vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 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: TRUIST FINANCIAL CORPORATION
State: CO

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
In correspondence with law 15-USC 1692c ( c ) I would like to delete and cease all communication on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I bank with navy federal. In XXXX going into XXXX sometime they told me that My account was frozen due to a wire issue where someone sent me {$2000.00} but requested the money back. They resolved the issue by holing my account for about XXXX weeks and withdrawing about {$300.00} from my account. Then on XX/XX/XXXX I noticed that I could no longer access my account. I called navy federal right away and they told me that it was because of " check fraud ''. I never deposited any check. Then when I asked to speak with security who initially shut my account down, they told me that they were closed. I called them in the morning, and they said I could not speak with security and to file an appeal for something that was resolved back in 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 2024-11-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
recently encountered an issue with a credit company that mishandled an investigation into a dispute I filed. Initially, I noticed an incorrect entry on my credit report, which I promptly disputed with the credit company. According to the Fair Credit Reporting Act ( FCRA ), under Section 1681 ( b ), they are required to conduct a reasonable investigation of any disputed information. However, the company failed to thoroughly investigate the matter and, after a brief review, they removed the erroneous entry from my credit report. This was a positive outcome, as it improved my credit score.

However, to my surprise, the same inaccurate entry was added back to my credit report shortly thereafter, without any further explanation or clarification. This not only caused confusion but also affected my credit score negatively again. Under Section 1681 ( b ), the credit company is obligated to ensure the accuracy and completeness of the information reported, yet their failure to adequately investigate or correct the mistake led to a significant issue. I am currently working with the company to have the mistake properly resolved and removed once again, as they must adhere to the legal standards for reporting accurate credit information.

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 2024-11-14 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: MO

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: EQUIFAX, INC.
State: LA

Complaint narrative:
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 Subject : Request for Reinsertion of Previously Deleted Information under FCRA To Whom It May Concern, On [ I disputed an account reported by [ XXXX XXXXXXXX XXXX XXXX  XXXX account # XXXX ] Ss # XXXX D.O.B XX/XX/XXXX I was informed on [ XX/XX/XXXX ] that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 
I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney XXXX XXXX, and the XXXX. 
Please govern yourself accordingly. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
In XXXX, my account on my car, which was totaled, suddenly showed as being sent to debt collectors. I was never notified there was a balance, and indeed never even informed that a transaction had finally gone through from my GAP agreement. I had contacted Toyota multiple times in the month since the accident to get a copy of my original sales contract in order to settle my GAP claim and was ignored each time. Then, the account was marked as closed and the remaining balance discharged. However, nearly {$2000.00} was reported as debt against my credit this month, dropping my score unfairly by XXXX points. Additionally, they have sent me on a run around through three different entities trying to get a straight answer, and have quoted me three different numbers for the balance owed. This is dishonest and sketchy, and I still don't have a straight answer. The best evidence I have is from the holder of the GAP agreement themselves, who sent me a document showing that all remaining charges on my Toyota loan were paid off. This situation is particularly interesting since Toyota recently had to settle a big lawsuit over this exact subject.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
In XXXX, my account on my car, which was totaled, suddenly showed as being sent to debt collectors. I was never notified there was a balance, and indeed never even informed that a transaction had finally gone through from my GAP agreement. I had contacted XXXX multiple times in the month since the accident to get a copy of my original sales contract in order to settle my GAP claim and was ignored each time. Then, the account was marked as closed and the remaining balance discharged. However, nearly {$2000.00} was reported as debt against my credit this month, dropping my score unfairly by XXXX points. Additionally, they have sent me on a run around through three different entities trying to get a straight answer, and have quoted me three different numbers for the balance owed. This is dishonest and sketchy, and I still don't have a straight answer. The best evidence I have is from the holder of the GAP agreement themselves, who sent me a document showing that all remaining charges on my XXXX loan were paid off. This situation is particularly interesting since XXXX recently had to settle a big lawsuit over this exact subject.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XXXX, my account on my car, which was totaled, suddenly showed as being sent to debt collectors. I was never notified there was a balance, and indeed never even informed that a transaction had finally gone through from my GAP agreement. I had contacted XXXX multiple times in the month since the accident to get a copy of my original sales contract in order to settle my GAP claim and was ignored each time. Then, the account was marked as closed and the remaining balance discharged. However, nearly {$2000.00} was reported as debt against my credit this month, dropping my score unfairly by XXXX points. Additionally, they have sent me on a run around through three different entities trying to get a straight answer, and have quoted me three different numbers for the balance owed. This is dishonest and sketchy, and I still don't have a straight answer. The best evidence I have is from the holder of the GAP agreement themselves, who sent me a document showing that all remaining charges on my XXXX loan were paid off. This situation is particularly interesting since XXXX recently had to settle a big lawsuit over this exact subject.

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 2024-11-14 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: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-11-14 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: VA

Complaint narrative:
This account contains inaccurate information which violates the FCRA. The dates closed on my XXXX and Transunion credit reports are different and do not match, and dates of last activity are inaccurate. On XXXX, the date closed is XXXX XXXX, XXXX, on Transunion the date closed is 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 non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This account contains inaccurate information which violates the FCRA. The dates closed on my Experian and XXXX credit reports are different and do not match, and dates of last activity are inaccurate. On Experian, the date closed is XXXX XXXX, XXXX, on XXXX the date closed is 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 2024-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Blackwater Capital Group LLC.
State: CA

Complaint narrative:
On XX/XX/year> @ XXXXXXXX XXXX a woman by the name of XXXX XXXX ( from XXXX XXXX XXXX ) left a message on my phone saying that I was due at XXXX XXXX XXXX on XX/XX/year>, but since they had not received any communication from me or my attorney they would be moving forward. 
I was scared so I called her - she said she was a mediator on my case, that I was being contacted regarding a personal I had obtained and that I needed to pay before the attorneys went into court to proceed with this matter. She did tell me that if I didn't pay the amount due my driver 's license would be suspended immediately, my wages garnished, my cc frozen and any bank account would be frozen too. 
I got very worried and told her that I didn't have the money she was requesting ( over {$5000.00} ), she then said she would try to stop the case from moving forward and try to see what she could do. She came back on the phone and informed me that she was able to stop the action, that she would talk to see if they would reduce the amount. Came back on the phone and said that they had brought down the amount to {$1800.00}, and that how was I going to pay this. As I previously stated I was afraid of all the negative actions that she said were going to be done against me, I told her I could {$260.00} with a cc and the balance on XX/XX/year>. She did mention that I should reach out to friends and relatives to get the monies. I told her I could pay on XX/XX/year> when I receive my social security check. She accepted and requested my debit card #, which I gave her and signed an authorization ( via docu-sign ). The amount were drawn by a company by the name of Blackwater Capital Group. Documents came from someone named XXXX XXXX. 
They have also been harrazing my friend and family to obtain my contact information and whereabouts, telling them I owe monies. I understand they are not allowed to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: NEW YORK COMMUNITY BANCORP INC
State: AZ

Complaint narrative:
Flagstar Bank recently sold their entire listing of mortgage holders to " XXXX XXXX '' of Texas, another mortgage holding company. During this transaction, and as specified within the RESPA Act as unlawful, the information within my mortgage was altered before completion of the transaction to XXXX XXXX. I was sent a letter by Flagstar Bank indicating the transfer of my mortgage to this mortgage holding company. However, a portion of the information attached to my mortgage with Flagstar was removed, specifically an individual name that was first in line as to responsibility of repayment of the mortgage lien.

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 2024-11-14 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: PA

Complaint narrative:
Account name : XXXX XXXX Account number : XXXX I am writing to formally request the removal of an account that was sold from the original creditor to a new creditor from my credit report. The account in question is detailed below : Original Creditor : XXXX XXXX XXXX New Creditor : XXXX XXXX Date Opened : XX/XX/year> XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information in my credit report. Specifically, under Section 623 of the FCRA, the original creditor is responsible for the accuracy of the information reported to the credit bureaus. Once an account is sold, the original creditor is no longer responsible for updating or maintaining the information regarding the account. Consequently, the reporting of this account by the original creditor is inaccurate and should be removed. 
Furthermore, if a creditor sold my collections or charge-off information without my knowledge or consent, I have the right to dispute this under the FCRA. Refer to Section 623 for the responsibilities of information furnishers and Section 611 for the dispute procedure. These sections ensure the accuracy of my credit report and my right to challenge inaccuracies. Please investigate and verify the accuracy of this information.

Additionally, the new creditor is required to verify the accuracy of any information they report. I have requested an investigation for them to send verified documented information reported by both original creditor and new creditor. Please conduct a thorough review and provide resolution within the 30-day period mandated by the FCRA.

Enclosed, you will find copies supporting documentation, including a letter from the original creditor stating the closure and charge-off of the account and transfer of the account, proving that the account was sold to a new creditor. Please update my credit report accordingly to reflect this change and remove any inaccuracies.

I appreciate your prompt attention to this matter and look forward to your response confirming the removal of the incorrect information. Should you require any additional information, please contact me at the phone number or email address provided above. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2024-11-14 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: VA

Complaint narrative:
I am asking for your help with this incorrect account showing on my credit report. The issue has hurt my reputation as a customer, and I need your assistance. These accounts should be taken off due to inaccurate and negative reporting.

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 2024-11-14 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: VA

Complaint narrative:
I am asking for your help with this incorrect account showing on my credit report. The issue has hurt my reputation as a customer, and I need your assistance. These accounts should be taken off due to inaccurate and negative reporting.

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 2024-11-14 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: TX

Complaint narrative:
Unauthorized inquiry on my credit report XXXX XXXXXXXX XXXX ( XX/XX/year> )

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
This account is now with a third party collection agency. The debt collector account is reported on my credit report wrongfully, as well as the original creditor. There are inaccuracies such as the balance, and dates of opening the account, closing account, etc. In addition, this account is reporting twice on my credit report, which is similar to " double jeopardy '' in this case. That is a direct violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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:
I recently obtained a copy of my credit report and I discovered multiple inaccuracies and unauthorized accounts/information reported to my credit report. These remarks have negatively impacted my life and credit health detrimentally.

Company response to consumer: Closed with explanation