vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
On XX/XX/2024 I sent a dispute letter to Bridgecrest for an alleged deficiency balance they are claiming that i owe. I have request from them that they send all verification for this alleged debt. They have committed several violations pertaining to this alleged debt ; including failure to set pre-sale letter, failure to send post sale letter, reporting to Credit Reporting Agencies without proper notification, and failure to send the proper calculations report showing how they came up with the deficiency balance just to name a few. I have ask them to cease and desist all collection activity, including all credit reporting, which they have failed to do as well. I have asked for validation and they have failed to do so, which means the debt is invalidated and should not be being reported nor do they have the authorization to collect on this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: MS

Complaint narrative:
Despite multiple requests, I have not yet received valid information proving that this debt belongs to me.For three months I have been asking NATIONAL CREDIT SYSTEM the Proof of Ownership : Detailed documentation that proves the debt belongs to me. 
Account Statements : Copies of the account statements from the original creditor. 
Detailed Breakdown : An itemized statement of the amount owed, including any interest or fees added. I have not received a response with this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: NE

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2024-06-18 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Despite submitting FTC report # XXXX & XXXX, these inquiries remain unresolved. This is my new complaint that I am a victim of inaccurate credit report data and I submit to dispute these inquiries in my file resulting from the crime. The inquiries I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of these inquiries in my credit file that resulted from an inaccurate credit report data. I am also attaching my new FTC report # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are unknown to me. Also, the information you provided on these inquiries was DELETED from other bureaus and I have doubts about their accuracy and the reported history date on these inquiries are a mystery to me. XXXX Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any items which was opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
On XX/XX/year> I made my XXXX mortgage payment. Rushmore showed the payment increased by over {$200.00} because of an Escrow analysis showing taxes on my property had increased to over {$2000.00}. I explained to the Rushmore rep that tax increase was being disputed, as were the tax increases for all the properties in my neighborhood. Because of that dispute, the Rushmore rep said I could pay the previous payment ( {$460.00} ) which I did during that call and she would note the tax increase dispute for the properties in my area. She would also send me a form or information to submit in writing the tax dispute.On XX/XX/XXXX, I called to make my payment when I discovered the payment was again showing as {$200.00} more. I also received a letter asking in writing what the problem was with my mortgage payment. The Rushmore rep showed I had not made a payment since XXXX. I insisted that was incorrect, then the Rep suddenly " found '' my XXXX payment and said that was a partial payment. I explained to the Rushmore rep the tax dispute and that I was told I could make the regular {$460.00} payment, not as a " partial '' payment. When the rep couldn't accept my regular payment or count XXXX XXXX payment as a complete payment, I requested to speak with a supervisor. Eventually she agreed to transfer me. After speaking with another rep, I was finally passed to a supervisor in the Escrow department. XXXX took the time to investigate prior notes, and explore what was a possible solution. She requested the most recent Escrow analysis ( XX/XX/year> ) be removed by the Escrow department, taking my payment back to the regular amount of {$460.00}. She saw no reason her request would be denied. She also advised me NOT to make a payment at that time because it would just be folded into the XXXX payment as a completion of what they showed as a " partial '' payment. XXXX agreed to let me know when her request was accepted and I could make the payment for XXXX then. Having not heard from XXXX by today ( XX/XX/XXXX ), I called Rushmore. I can not get to a human to speak with. The automated system takes you in a circle asking for additional information in order to pass you to a representative, then taking you back to the beginning of requesting more information to speak to a rep. The system continues to show me as not having made a payment since XXXX! There is no acknowledgement in the automated system of any payment in XXXX. I want pay my mortgage but need to speak with a person to make sure my payments are counted correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payments on my accounts and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. So please UPDATE and CORRECT the accounts : XXXX XXXX  XXXX. XXXX, XXXX XXXX  XXXX. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: NE

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX OF XXXX XXXX

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 2024-06-18 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: GA

Complaint narrative:
I did not give written consent for XXXX, XXXX, or TRANSUNION to furnish my information out to these companies.

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 2024-06-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not give written consent for XXXX, EQUIFAX, or XXXX to furnish my information out to these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Hi I put in a complaint in early XX/XX/year> on card member service for not taking the payment out of my checking account in a timely fashion charging me forty ( {$40.00} ) dollars, first stating that they were late fees, later stating that it was a returned payment. 

Also can a credit card company charge interest fees on a close account for which they close. 

I called the CFPBs office, they stated that another agency took over for which I havent heard anything as of today. I was advised that the CFPBs office handled credit card companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Fidelity National Financial, Inc
State: TX

Complaint narrative:
XXXX XXXX, XXXX XXXX is just lying to the Oversight Committee Fidelity National Title sold my property that was pending under court jurisdiction. Fidelity National Title was sent a demand letter by my former attorney XXXX XXXX. I filed my complaint with CFPB XXXX and nothing has been done. I am being threaten by Fidelity National Title that if I do not sign a release of lien they are going to file a declaratory judgement against me. 
My property had a XXXX XXXX filed by my attorney in court on XXXX XXXX, XXXX. On XXXX Fidelity National Title sold my property for {$580000.00}. 
CFPB has not communicated with me concerning this matter. I received a letter on XX/XX/XXXX. XXXX XXXX XXXX XXXX # XXXX sustained and refused my " due process ''. The Probate Court denied my attorney to present the mortgage fraud documents the heirs ' affidavits & Fidelity National Title used to commit the mortgage fraud. 
Since, my original complaint CFPB has changed directors. Which is another tactics being used to stonewall this complaint. This property was under court jurisdiction in pending litigation when Fidelity National Title lacked due diligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
I received my credit reports from all three bureaus. I noticed that the company Navient is continuing to report outdated information that should have been off my credit report years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: OH

Complaint narrative:
I sent a letter last XX/XX/XXXX to removethe listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX XXXX XXXX BalanceOwed : {$370.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXXBalance Owed : {$170.00} XXXX  XXXX XXXX Balance Owed : {$100.00} XXXX  XXXX XXXXXXXXBalance Owed : {$73.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: TN

Complaint narrative:
Subject : Debt Validation Request Pursuant to FDCPA, 15 U.S. Code 1692g To Whom It May Concern, Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, that your claim is disputed and validation is requested.

I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number ( s ) : Account Number : XXXX Please provide me with the following : Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you. 
The agreement bearing my wet signature stating that I have agreed to assume the debt. 
Valid copies of the debt agreement stating the amount of the debt and interest charges. 
Proof that the Statute of Limitations in [ Your State ] has not expired. 
Complete payment history on this account along with an accounting of all additional charges being assessed. 
Proof that you are licensed to collect in my state. 
Your license numbers and Registered Agent or Agent of Service.

Additionally, in accordance with 31 U.S. Code 3123 and 18 U.S. Code XXXX, I request verification that this debt falls under the category of an " obligation or other security of the United States. '' These statutes define the terms and conditions under which a debt is considered an enforceable obligation. Compliance with these statutes is necessary to validate your claim. 
This will also serve as your legal notice under the federal Fair Debt Collection Practices Act ( FDCPA ) to cease all communication with me concerning the alleged debt referenced above. Do not contact me, members of my family, employers, or any other third parties regarding this debt. 
This includes all communication by telephone or electronic communications, such as email or texts made by your company, representatives, or agents. If your offices, representatives, or agents attempt communication with me, members of my family, employers, or any other third parties, it will be considered harassment and I will bring this matter before a judge. 
All future communications with me MUST be done in writing via USPS and sent to the address noted in this letter. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
If you are unable to validate the debt, I request that the account be deleted from my consumer report immediately. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I am currently reviewing my credit report and have noticed some inaccuracys in the report especially with this Navy Federal Account. Per 15 Use 1681 602 I am entitled to accuracy and fairness of credit reporting. I am demanding a reinvestigation into this matter as you are required by law to do an initial review to verify that this is in fact my account/responsibility. 15 USC 1681 603 states any report containing information solely as transactions or experiences between me the consumer and them the person making the report is illegal. The payments that are being reported as late are illegal, per the laws and regulations they are required to send me documentation and information to make a payment 21 days before it is due. I also never received any of the 3 disclosures that must be provided to me the customer by law before any information is reported to my credit report. I did not receive information about this being reported, you are required to ask my permission prior to reporting information to my report, and lastly give me the information to opt out of this information to not be placed on my report. I did not give consent for my none private information to be shared to anyone per 15 USC 6801 I am entitled to the protection of my non public personal information as congress has stated you have an affirmative and continuing obligation to respect the privacy of consumers and protect our private information. Secondly reporting utilization it illegal as it is the experience of how I am using this line of credit. If this is not removed from my credit report immediately then I will have no choice but to file a motion for intent to sue as my rights as a consumer have been violated and I am entitled to compensation if my demands are not met. 




NAVY FCU XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Updated Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : Revolving account XX/XX/XXXX Closed Charged off as bad debt XXXX XXXX 97 % {$1900.00} XX/XX/XXXX {$2000.00} {$1900.00} {$2100.00} Individual account Comments : Dispute resolved; customer disagrees Contact Into : ( XXXX ) XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2024-06-18 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: NE

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief