vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I ask for specific information never received, and I've been flooded with repeated phone calls from this company at all times of day and night including Sunday nights starting at XXXX XXXX  until XXXX XXXX  which is in violation of the 15 USC 1692 G and the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
Creditor Debt : American Honda Finance Current 3rd Party Debt Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX Reference : XXXX Debt Amount : {$12000.00} Reason : The XXXX XXXX XXXX XXXX was repossessed in XX/XX/XXXXXXXX  and vehicle was sold at auction leaving me with the remaining balance of interests in debt! I was not able to pay the prior months of this vehicle prior to the repossession because of the a job lay-off I endured during that time. I can not afford to pay this debt anymore and it is now listed on my credit report preventing me from financing or leasing a new vehicle in XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Each credit bureau failed to delete the following listed fraudulent inquiries within 4 days of the FTC filing. The FTC report was filed XX/XX/year>XXXX  and should have been deleted by XXXX. These inquiries are currently still fraudulently reporting to each bureau. 

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - all accounts you post on a credit report. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof that I own this debt, you must remove the accounts listed below. 

XXXX, Transunion, and XXXX are also in violation according to 15 U.S Code 1681c-2, which states : a consumer reporting agency shall block the reporting of all information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NO LATER THAN 4 BUSINESS DAYS AFTER THE RECEIPT. 

It has been OVER 4 business days and XXXX TRANSUNION XXXX are in violation of this law because I am a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Each credit bureau failed to delete the following listed fraudulent inquiries within 4 days of the FTC filing. The FTC report was filed XX/XX/year> and should have been deleted by XXXX. These inquiries are currently still fraudulently reporting to each bureau. 

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - all accounts you post on a credit report. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof that I own this debt, you must remove the accounts listed below. 

Experian, XXXX, and XXXX are also in violation according to 15 U.S Code 1681c-2, which states : a consumer reporting agency shall block the reporting of all information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NO LATER THAN 4 BUSINESS DAYS AFTER THE RECEIPT. 

It has been OVER 4 business days and EXPERIAN XXXX XXXX are in violation of this law because I am a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
From XX/XX/year> to XX/XX/year> navy federal credit union would overdraft and pull money off my savings account to my checking than take the money from my checking account multiple times in increments of XXXX $ XXXX $ and they did this almost 2 a month and it caused them to close out my checking account because it went negative XXXX XXXX I know i wasnt over drafting because i would leave my money in my savings account and only move it when i needed to use the money. I would transfer than buy whatever i had to buy just for them to tell me i didnt have enough and i would transfer the amount exactly needed. I called them on the phone multiple times upset and I requested them to stop making transfers from my savings without my permission. They had me sign some paperwork saying i want them to stop and they still did. If the phone calls are actually recorded then its there because i called more than once and sent messages in the online banking app. This has caused me hard times because i drive XXXX  as a job and they closed out my account and i used that account to pay for my XXXX  rental and basically everything being this was my only bank account. 
I attached the statements that show the XXXXXXXX XXXX XXXX. The ones that dont say a merchant or say where the money went is them taking out the money themselves

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: RoundPoint Mortgage Servicing LLC
State: OH

Complaint narrative:
I have a mortgage for XXXX XXXX XXXX XXXX in XXXX, OH. I own it as a rental property. This mortgage used to be serviced by XXXX. Early this summer, it was transferred to Roundpoint Mortgage. When it was transferred, Roundpoint had the subject address ( XXXX XXXX ) as my mailing address instead of my actual mailing address ( XXXX XXXX XXXX, XXXX, OH, XXXX ). So, notices about payments were going to my tenants, not to me. As such, I ended up being months late before realizing what the issue was. I'm current on payments now, but the late payment is a negative mark on my credit that is preventing from qualifying for an important loan now. I have records that show that they did not accurately change my mailing address until XXXX of XXXX. I have called Roundpoint multiple times between XXXX and now and they have still not resolved the issue and removed the negative remark. I have sought to clarify that I am not disputing that the payments were late ( they certainly were ). I am complaining that I did not receive proper written notice from Roundpoint. I have also submitted disputes at all 3 credit bureaus ( just in the last week ) and am awaiting progress there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT & XXXX XXXX, AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3. EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS. AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT & XXXX XXXX, AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3. EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS. AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I want this collection deleted from my consumer report due to all the violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Original issue : XXXX XXXX XXXX sent me a bill for over $ XXXX for a simple one way ambulance trip to the local hospital. I provided the original service ( XXXX ) with my active XXXX  insurance details at the time, as well as upon receipt of the first bill. XXXX sold this to collection agency XXXX. XXXX continued to bill me directly and never attempted to collect from my insurance company, despite multiple communications from me providing the insurance information. XXXX also calls me multiple time a week, despite a request for no contact. 

Medical debt : this is medical debt which I have disputed being on my credit report with Experian. I was financially in poverty at the time and receiving government benefits. Experian quickly " investigated '' and failed to remove the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute inaccurate information being reported on my XXXX XXXX account ( # XXXX ). Despite filing a complaint with the CFPB against the major credit bureaus, no resolution has been reached. I have identified numerous inaccuracies and demand that this account be deleted. I have made several complaints in the past, but each time, no action has been taken. 
Attached are several documents from XXXX, TransUnion, XXXX, XXXX XXXX, and XXXX XXXX, which provide evidence of inaccurate reporting by the credit bureaus. XXXX XXXX XXXX  is the original CFPB complaint that I previously submitted and was not taken seriously, so I request that you review it thoroughly. Document # 2 is the XXXX XXXX report, where I have highlighted that the account is fully paid off and shows no late payments ( XXXX ) days late. However, the credit bureau reports otherwise, indicating an inaccuracy. Document # 3 from XXXX confirms that I have XXXX late payments. Document # 4 further supports that the account is paid in full. Document # 5 from XXXX XXXX shows several highlighted inaccuracies, including incorrect reporting of the date opened, high credit, last date active, and discrepancies among the major credit bureaus regarding how the account was reported in XXXX. Documents # 6 and # 7 outline the laws that credit bureaus must follow, specifying that if inaccurate information is reported, it must be deleted. With the evidence and documentation provided, it is clear that there are significant inaccuracies in the reporting of my XXXX XXXX account. I am requesting that this account be either deleted or corrected ON TIME PAYMENT, as it is my right to have accurate information reflected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Kikoff Inc.
State: GA

Complaint narrative:
I am challenging the accuracy of this account as listed on my credit report. The reported balance and charge-off status are incorrect because the account was fully resolved in the past. This inaccurate information is harming my creditworthiness, and I request an immediate investigation. Please update my credit report to remove this error and inform me once the correction is completed. It is essential that my credit report accurately reflects my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
To whom it may concern, This letter serves as a formal dispute regarding the grossly inaccurate reporting of account # XXXX. Specifically : The account reflects a 30-day late payment for XX/XX/XXXX on XXXX and TransUnion, yet XX/XX/XXXX on XXXX. This blatant contradiction is impossible and indicative of negligent reporting. 
The " date last reported '' is also inconsistent : XX/XX/XXXX on XXXX and TransUnion but XX/XX/XXXX on XXXX. 
These discrepancies are not only erroneous, but they are actively damaging my credit score and impeding my ability to obtain credit. The lack of consistency violates your obligations under FCRA 611 ( 15 U.S. Code 1681i ) and raises serious concerns about the integrity of your investigation processes. 

Additionally, I direct your attention to the recent CFPB lawsuit against XXXX for its inadequate investigations and systemic non-compliance. Let this letter serve as notice : failure to conduct a proper and lawful reinvestigation may subject your agency to legal action, including claims for negligence, defamation, and willful non-compliance under the FCRA. 

I demand the following actions immediately : A thorough reinvestigation of the late payment, including verifiable documentation proving its accuracy. 
A correction of all inconsistencies in reporting across XXXX, TransUnion, and XXXX. 
An updated credit report reflecting " paid on time '' if the information can not be verified. 
This matter is urgent. Under FCRA 611 ( a ) ( 1 ) ( A ), you are legally obligated to respond within 30 days. Failure to address these violations satisfactorily will leave me with no choice but to escalate this matter through litigation, regulatory complaints, and all other available remedies. 

I expect prompt action and full compliance. Do not underestimate the seriousness of this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
To whom it may concern, This letter serves as a formal dispute regarding the grossly inaccurate reporting of account # XXXX. Specifically : The account reflects a 30-day late payment for XX/XX/XXXX on Experian and XXXX, yet XX/XX/XXXX on XXXX. This blatant contradiction is impossible and indicative of negligent reporting. 
The " date last reported '' is also inconsistent : XX/XX/XXXXXXXX  on Experian and XXXX but XX/XX/XXXXXXXX  on XXXX. 
These discrepancies are not only erroneous, but they are actively damaging my credit score and impeding my ability to obtain credit. The lack of consistency violates your obligations under FCRA 611 ( 15 U.S. Code 1681i ) and raises serious concerns about the integrity of your investigation processes. 

Additionally, I direct your attention to the recent CFPB lawsuit against Experian for its inadequate investigations and systemic non-compliance. Let this letter serve as notice : failure to conduct a proper and lawful reinvestigation may subject your agency to legal action, including claims for negligence, defamation, and willful non-compliance under the FCRA. 

I demand the following actions immediately : A thorough reinvestigation of the late payment, including verifiable documentation proving its accuracy. 
A correction of all inconsistencies in reporting across Experian, XXXX, and XXXX. 
An updated credit report reflecting " paid on time '' if the information can not be verified. 
This matter is urgent. Under FCRA 611 ( a ) ( 1 ) ( A ), you are legally obligated to respond within 30 days. Failure to address these violations satisfactorily will leave me with no choice but to escalate this matter through litigation, regulatory complaints, and all other available remedies. 

I expect prompt action and full compliance. Do not underestimate the seriousness of this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
Received a noticed that I had a collection on my account on the XXXX of XX/XX/year>. I have been receiving calls with no one speaking to robocalls from various numbers for past couple of months, I attempted to call XXXX the XXXX XXXX, multiple times just to be hung up on or call transferred after asking to speak to someone. I had no idea or contact regarding this bill. no communication or contact prior to being listed as a collection. I have requested proof of debt and have not received to home address or email I provided upon contacting someone the XXXX of XX/XX/year> named XXXX. I have tried since up till the XXXX of XXXX to receive proof. numbers I have received calls from XXXX or UNKNOWN CALLER. since XX/XX/year>. XXXX call from a XXXX XXXX robocall. Reported to FCC as I asked to no longer be contacted by phone, and done though mail. random times thoughout day. would pickup and they hung up. numbers I called : XXXX ( XXXX ) XXXX, and XXXX listed on website. horrible communication, and still no proof via mail sent. I want this removed ASAP. TRANSWORLD SYSTEMS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian did not properly investigated my credit account in past disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation