vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
have XXXX XXXX reporting on my credit that is not mine and incorrect, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, I was a victim of identity theft and I contacted you to investigate these bankruptcys listed on my credit report and I received a response that it was verified with the bankruptcy court, I contacted the courthouse to verify there information release policy the court informed me that they do not provide anyone with a debtors full social number and they do not provide any credit bureau any information about bankruptcy cases, it is quite clear someone lied about verification of this information from court house that is a violation of The fair credit reporting act ( FCRA ) to report inaccurate or unverifiable information on a credit report, I demand these be removed Immediately the XXXX Bankruptcys from my credit report, please respond to me in writing once this removal has been deleted I am send a copy of my identification for my address I have used for past 15 years Thanks

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 2023-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I was in dire need of a car & searched on line & found a XXXX ( XXXX miles ) XXXX XXXX - single owner. XXXX XXXX had pre-approved me far more than what I would spend. I went to XXXX XXXX XXXX XXXX ( XXXX XXXX ) & purchased the vehicle. 
I did not know that the vehicle had No Warranty until I was at the table signing. Thus I purchased an extra $ XXXX worth of additional coverage ( thinking it would be better safe than sorry. It doesnt cover the brakes that I need now after only XXXX miles. The finance manager came out to offer me additional coverage such as dent insurance? My saleslady was not impressed that he offered me that after she stepped away from the table. I declined the additional coverage. 
My credit score was XXXX XXXX Bank of America financed it at 9.94 % interest rate. I was preapproved by Capital XXXX of about $ XXXX, although I have their credit card and pays on time & keep my spending below 20 % & they declined me for an auto loan. 
I should have walked away from this all too familiar disparity of a deal. I had to put my XXXX XXXX to rest and paying XXXX ( no mass/bus routes ) & getting stranded in the wee hours of the morning was too dangerous. I cant enjoy having to have a dependable ride without KNOWING that the financing could and should be more affordable. I wanted to file a formal complaint because we see on the latest news that XXXX XXXX XXXX XXXX at an alarming rate even with good credit etc. It is this way in our every day life. I get so tired of the race card, but I cant make this stuff up. Being XXXX is XXXX and especially being a XXXX XXXX. 
* Purchased XXXX * Will be sending Bank of America CEO XXXX XXXX XXXX * XXXX XXXX XXXX * XXXX XXXX XXXX registered letter * Sent Email to XXXX XXXX ( no response ) XX/XX/XXXX 2023

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 2023-12-31 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
In XXXX of 2022, I called and paid off a Victoria Secret 's credit card I had. The agent gave me the confirmation number and confirmed the card was paid in full and closed. About XXXX  months later, I received a bill from them showing I owed almost {$400.00}. I called them, gave the agent the confirmation number, amount I paid in full, the agent 's name I spoke to in XXXX of 2022, and the fact that I had closed the account. The new agent insisted that I still owed the money. Now, I have been receiving statements from XXXX XXXX and it has been being reported to credit bureaus. The company did nothing, even though they were given the confirmation number by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
The debt buyer LVNV funding has charged an additional {$1.00} every month on top of the original high credit amount of {$790.00}. I am unsure of the exact start date, but it would appear to begin in XX/XX/XXXX with the current amount the debt buyer is stating owed to the creditor being {$1000.00}. The debt buyer has also falsely reported to credit bureaus the consumer had disputed the debt every month to change the last activity date on the account to keep it appearing as current and provide a comment to credit reporting agencies regarding collection accounts. The debt buyer contacted the consumer on their mobile phone in XXXX and advised when the consumer requested validation of debt that " we '' were passed providing the validation of the debt while yelling and trying to intimidate the consumer with volatile language and using the tactic of yelling over consumer not allowing for any questioning or clarification. The collection is reporting to all three credit bureaus as an account listed as " other type '' and continuing to falsely report consumer disputes monthly as well as continuing to add {$1.00} to the original amount every month constantly increasing the balance and past due amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Army and Air Force Exchange Service
State: CA

Complaint narrative:
Greetings, The attached documents provide all relevant details in a formal legal format. The document contains supplementary documents to further support my claim. 
Thank you for your time. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 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: LA

Complaint narrative:
Ive sent in more than 2 times. I have reached out to the the cfpb twice to rectify the problem and help with a solution. Please if possible to get this faulty information off my credit report. 
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to bring to your attention my difficulty in obtaining my TransUnion credit report through XXXX, as mandated by the Fair Credit Reporting Act. Despite my repeated attempts, I have attached a screenshot illustrating the persistent error preventing access. I seek your assistance in swiftly resolving this matter and ensuring my right to a free annual credit report is honored. 

Thank you for your prompt attention to 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 2023-12-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: UPGRADE, INC.
State: MD

Complaint narrative:
That on XX/XX/XXXX XXXX XXXX  I sent a written notice to Upgrade Inc opting out of credit reporting. Upgrade Inc has yet to respond to my demand.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 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: CA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete any and all illegal accounts from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am writing to bring to your attention a concerning issue regarding a disputed debt and the ownership of my vehicle, which involves Navy Federal Credit Union. I believe that the situation has reached a point where I may need to pursue legal action in federal court to resolve this matter. 

On XX/XX/2023, I submitted a negotiable instrument to Navy Federal Credit Union in an attempt to settle a debt. Per the provisions of UCC 3-603, this instrument, once accepted, should have discharged my obligation related to the debt. However, Navy Federal Credit Union did not accept the negotiable instrument, and as a result, I am still being pursued for the debt.

Moreover, I have been receiving repeated correspondence from Navy Federal Credit Union claiming that my documents are not valid, despite my efforts to resolve this matter amicably. This situation has caused significant distress and inconvenience.

Given the circumstances and the clear provisions of UCC 3-603, I am of the belief that I am no longer liable for the debt in question, and Navy Federal Credit Union should have released the title to my vehicle accordingly. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter to ensure that Navy Federal Credit Union complies with the applicable regulations and that my rights as a consumer are upheld. If necessary, I am prepared to pursue legal action in federal court to rectify this situation and assert my rights. 

Thank you for your attention to this matter, and I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX *******Please see attached documents*******

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 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: CA

Complaint narrative:
This dispute has been mailed to Equifax at the address XXXX XXXX XXXX XXXX XXXXXXXX, Ga XXXX by way of certified mail # XXXX XXXX XXXX XXXX XXXX XXXX. USPS mail tracker says the dispute was received at XXXX XXXX XXXX XXXX XXXX, GA XXXX. I want to make sure EQUIFAX IS FOLLOWING THE MANDATED COMPLIANCE PROCEDURES REQUIRED BY A CREDIT REPORTING AGENCIES. I have provided proof and explain to Equifax that the information being reported is inaccurate. XXXX XXXX just verifies everything as accurate. I believe no one has opened my dispute because it is lengthy and over 40 pages. The dispute entails a challenge of accounts, proof of identity, and proof of errors reporting on credit report. I have tried to dispute with Equifax via u.s mail and via cfpb.gov I have had no success. Equifax and XXXX XXXX XXXXXXXX XXXX are in violation of 15 usc 1681 e b. XXXX XXXX  XXXX XXXX has been disputed 3 times and no update to correct my information. XXXX XXXX account and XXXX XXXX XXXX Are inaccurately reporting late payments. FCRA 15 USC 1666 ( b ) expressly deems the reporting of transaction history as illegal, further highlighting the inaccuracies on my credit report.This is my final dispute for resolution, this and the dispute is official notice of intent to arbitrage if the dispute is not resolved within 5 business days no later than XX/XX/2023. At that time I will send a fee schedule via certified mail. Please review my dispute. I have detailed everything. Attached is a credit report marked and highlighted where errors and violations are reporting, a copy of investigations results, a copy of my title, lien release, id, social security card. Everything needed to correct the error is provided for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: M1 Holdings Inc.
State: FL

Complaint narrative:
I have been trying to make a payment on my credit card. The payment due date is XX/XX/2023. The payment portal for M1 does not allow you to add a sending account... it displays " No Accounts Available ''. There is no place in their portal/platform to add a paying account to pay my monthly credit card bill. When I call, I can't understand the agents. Last month it worked fine, but it was by phone. She said that she " could see my payment method and use it '' ... but I can't!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: OH

Complaint narrative:
Under the doctrine Estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX I may presume that no proof of the alleged debt, nor therefore any debt, in face exists. I have contacted trident asset management on a matter that pertains to my credit. I have been a victim of fraud. I sent trident asset management a certified letter via usps to validate this account asking to send original documents and a host of other things. I have not received any of the documents I requested. I have an account on my credit that does not belong to me. I asked trident asset Management to remove the unvalidated information and nothing was done. I have the receipt that I sent the letter via usps certified. Removing this account from all three credit bureaus ( XXXX, experian, XXXX ) is what needs to take place there is no validation. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay trident asset Management and the collection agencies could not provide that information. I want this information removed IMMEDIATELY! DO NOT SEND COPIES! I NEED ORGINALS!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 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: CA

Complaint narrative:
I am writing to file a formal dispute regarding a merged identity file issue that has resulted in significant inaccuracies on my credit report maintained by your agency, which directly contravene the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. 
Upon reviewing my credit report and signing into my Equifax account portal online, it has come to my attention that my personal information has been erroneously combined or merged with another individuals information, thus violating 12 CFR 1022.3s definition of identity theft. This merging of files has led to incorrect and misleading data, affecting my creditworthiness and potentially violating my rights under the FCRA.

The inaccuracies present include, but are not limited to : My personal information has been altered significantly, and the details reported under Personal Identification Information on my credit report inaccurately reflect my identity and creditworthiness

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: CT

Complaint narrative:
Was notified on XX/XX/ that two checks of mine where cashed twice by a former employer I let my bank know they issued a restriction on my account. That restriction was taken off shortly after then put back on again. I have spoken with them everyday to find out why. The bank allowed the checks to be deposited twice and have since froze my account cause I let them know about it. It's a system error but they froze my account for it. I have spoken to many people and nobody can give me a straight answer. Essentially they froze for fraud committed against myself for putting money in my account saying I committed fraud against me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 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: HI

Complaint narrative:
15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

( c ) Attorneys fees Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. 

( d ) Clarification of willful noncompliance For the purposes of this section, any person who printed an expiration date on any receipt provided to a consumer cardholder at a point of sale or transaction between XX/XX/XXXX, and XX/XX/XXXX, but otherwise complied with the requirements of section 1681c ( g ) of this title for such receipt shall not be in willful noncompliance with section 1681c ( g ) of this title by reason of printing such expiration date on the receipt.

( Pub. L. 90321, title VI, 616, as added Pub. L. 91508, title VI, 601, XXXX XXXX XXXX XXXX XXXX. XXXX ; amended Pub. XXXX XXXX, XXXX. A, title XXXX, XXXX ( a ) ( c ), ( XXXX ) ( XXXX ), XXXX XXXX XXXX  XXXX XXXX. XXXX ; Pub. L. XXXX, XXXX ( a ), XX/XX/XXXXXXXX XXXX XXXX22 Stat. 1566. )

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