vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-21 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: CA

Complaint narrative:
I am a victim of identity theft. I've recently checked my credit report from Experian and XXXX and I was shocked to see a previously deleted fraudulent account was reinserted back to my credit file. The XXXXXXXX XXXX fraudulent account was disputed and deleted in XXXX of 2023 ( please see the attached XXXX dispute results ). However, Experian and XXXX credit reporting agencies reinserted the fraudulent account after a month without notifying me.

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 2023-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Clearview Resolution Services

Complaint narrative:
Dear Officer, I recently found that my XXXX account was stolen and two ClearviewFCU MC Platinum Credit cards under my name have been added in my XXXX account, but the two credit cards are associated with identity theft and fraudulent applications, I have never applied any credit cards from ClearviewFCU. I have contacted ClearviewFCU to cancel the two cards but since I do not have any accounts with them, they were failed to verify my identity. I was wondering what should I do next to cancel the cards and if you could do anything to help. Thank you very much!

Company response to consumer: Untimely response
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit
State: TX

Complaint narrative:
THIS IS IN REGARDS TO MY XXXX XXXX : ON XX/XX/XXXX I CALLED IN TO GET A PAYMENT EXTENSION REQUEST TO SKIP THE NEXT TWO PAYMENTS. THE REP THAT DAY SENT ME THE PAPERWORK TO SIGN ON THE VW PORTAL IN WHICH I SIGNED THAT DAY AND SENT BACK. ( HAVE EMAIL CONFIRMATION THAT IT WAS UPLOADED ). MY NEXT PAYMENT WOULD NOT BE DUE UNTIL XX/XX/XXXX. I CALLED VOLKSWAGON TWICE ABOUT A WEEK AFTER TO SEE IF MY EXTENSION WAS RECEIVED. I WAS TOLD YES. THIS WAS PRIOR EVEN TO XX/XX/XXXX. SOMEONE CAN VERIFY CALL RECORDS ON THAT. THEN ON XX/XX/XXXX I UPLOADED THE SAME DOCUMENTS AND CALLED AGAIN A SHORT TIME AFTER ( DONT REMEMBER WHEN OR SOME DAYS LATER TO VERYIFY ) I AGAIN WAS TOLD YES. UPLOADED YOU WILL SEE BOTH CONFIRMATIONS FROM VW THAT MY DOCS WERE UPLOADED. 

TODAY XX/XX/XXXX, I LOG INTO CHECK MY CREDIT AND NOTICED THAT MY XXXX HAD DROPPED XXXX ( FROM VW LATE PAYMENT ), AND ON XXXX ( XXXX FROM VW LATE PAYMENT ). WHEN I SEEN THAT I IMMEDIATELY CALLED BECUASE I SENT THE SIGNED EXTENSION REQUEST IN ONTIME AND TWICE. SO THEREFORE, MY CREDIT SHOULD NOT HAVE DROPPED AT ALL. I CALLED 3 TIMES TODAY JUST TO COMPLAIN ON MY CREDIT DROPPING FRM THAT AND WAS TOLD BY ALL THREE DIFFERENT REPS I SPOKE WITH THAT MY PAPERWORK IS STILL IN PROGRESS, AND THEY ARE GOING TO FIX MY CREDIT AND REMOVE THE DELIQUENT STATUS. THING IS IVE HAD THE EXTENSIONS BEFORE AND THIS HAS NEVER HAPPENED TO ME BEFORE. I WANT MY CREDIT FIXED AND BACK OVER XXXX WHERE IT WAS UNTIL YOU ALL REPORTED IT LATE WHEN IN ALL ACTUALITY IT WAS NOT. MY EXTENSION PAPER WORK HAS NEVER TAKEN THE PAST 2 WEEKS. THE LAST REP XXXX I SPKE WITH STATED SHE HAS SEEN IT TAKE OVER A MONTH. THATS NOT FAIR TO US THEN OUR CREDIT DROPS. THE WHOLE POINT OF THE REQUESTING EXTENSION IS TO PREVENT THINGS LIKE THIS FROM HAPPENING AS WELL AS CANT PAY ( NOT HAVING CREDIT DROP AS WELL ). THE EXTENSION IS TO PROTECT US FROM THAT HAPPENEING. 
I WANT MY CREDIT FIXED AND BACK WHERE IT WAS AS WELL AS LATE FEES REMOVED AS I DID NOTHING WRONG AND THERE ARE CALL RECORDS AND UPLOADED DOCUMENTS TO PROVE AS WELL. THIS WAS UPSETTING TO SEE WHEN I HAD UPLOADED AND DID THINGS ON TIME AND MY CREDIT STILL DROPPED AND SHOWING INCORRECT BALANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Hello, On XX/XX/XXXX I received a call at XXXX from Comenity Capital requesting a payment on an account that was transferred from Dell. I explicitly said I do not consent to further calls, I have XXXX and often times they call in the morning waking me up. I am extremely fatigued and need rest. 

I am unable to pay due to this and due to taking time off work. However, despite being told to stop calling, Comenity has continued to call over and over again. This is a direct violation of my rights under the TCPA and I am now owed a minimum of {$500.00} per violation.

The TCPA provides that " It shall be unlawful for any person within the United States, or any person outside the United States if the recipient is within the United States... to make any call ( other than a call made for emergency purposes or made with the prior express consent of the called party ) using any automatic telephone dialing system or an artificial or prerecorded voice... to any telephone number assigned to a ... cellular telephone service... '' Furthermore, I have not provided any form of consent, neither explicit nor implicit, for your company to call my number, let alone for the purposes of solicitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have tried repeatedly to get my credit score fixed with TransUnion so I am able to see my credit score through XXXX XXXX. I have approved my SSN multiple times because they have said a number is incorrect. I have been told 3 times now that the issue will be fixed in 5 days and I will be able to see my credit score but the issue has not been fixed.

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 2023-12-21 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: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
Between XXXX I originated two accounts with Navy Federal Credit Union . A personal loan and a credit card which was opened separately. Overtime, either one or both of the accounts had changes to the account number, changes to the terms and conditions or some loan modification. As a result, the account history and the amount of payments and interest Ive paid substantial payments without paying in totality has become available. As well as access to previous statements before the account numbers changed. I have noticed that the principal balance has barely changed and it appears most of all the payments made has gone to interest. For the past 7-8 years, I havent had any significant reduction in my principal balance. As a result of financial hardship and reduced income I needed assistance with making payments. The first delinquency was reported in XXXX for both the credit card and loan. After 7 years, statue of limitation require negative reporting should be deleted and removed. Also, they have the credit card tradeline for {$19000.00} appearing twice under different account numbers, which is having a double negative impact on my credit. In absence of account history and old statements I have contested the validity of the debt and derogatory information. The credit reporting agencies and Navy Federal has failed to rectify the situation and delete derogatory information. Under section 1681s-2B of FCRA 15 USC 1681 et seq and The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, the companies are in violation and having complied to my requests. Also, in recent news reports and class action lawsuit, Navy Federal has allegedly discriminated against minority borrowers and neglected to provide fair lending practices and services. I believe I am too a victim of unfair treatment and would like all derogatory credit reporting to be removed and deleted. I have been a member since XXXX, and Ive paid off several loans with Navy Federal. I am deeply disappointed at the way theyve treated me as a consumer. Learning that theyve treated other minority consumers unfairly is terrible. Their actions has negatively impacted my financial health and credit score by continuing to report old and unverified information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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: MI

Complaint narrative:
Hello, My name is XXXX XXXX XXXX my information was impacted in the XXXX breach attached is my FTC 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 explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
After further review of my credit report I notice, Navy Federal is reporting a late fee on my report from XXXX during the pandemic. I have exception payment history with Navy federal credit union so to see a late payment being reported is heart breaking. I am asking in good faith for this late payment to be reversed due to the payment being sent in a timely manner. I have contacted Navy Federal customer service, and they advised it was nothing can be done, although XXXX was a difficult time for the entire world. I will hate to think a company like Navy Federal doesn't care what their clients were going through during a pandemic. I have had this account since XXXX and as of today XX/XX/XXXX, There is only 1 late payment being reported which is negatively impacting my credit report.

15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: American Collections Enterprise, Inc.
State: DC

Complaint narrative:
That on XX/XX/2023 I sent American Collections a notice to opt-out of credit 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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-12-21 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: FL

Complaint narrative:
Ive noticed unauthorized fraudulent inquiries on my consumer report. This is considered identity theft according to the FCRA. I would like these fraudulent inquiries s to be DELETED immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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: CL Holdings LLC
State: LA

Complaint narrative:
XXXX and Jefferson Capital is in violation of 15 usc 6801-Protection of Nonpublic Personal Information financial institutions have a duty to insure the security and confidentiality of customer records, protect against threats of security, and to protect against use of such records or information which could result in substantial harm or any inconvenience to the customer. Each Financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' Nonpublic Personal Information. According to 15 USC 6802-Obligations with respect to disclosure of personal information ; a financial institution may not directly or through any affiliate, disclose to a non-affiliated third party any Nonpublic Personal Information unless such financial institution provides to the consumer a notice that complies with 15 USC 6803 . In general a financial instition may not disclose Nonpublic Personal information to a non-affiliated third party unless such financial institution clearly and conspicuously discloses to the consumer in writing, in electronic form, or other form permitted by 15 USC 6804, the consumer is given the opportunity, before the time thay such information is initially disclosed, to direct that such information not be disclosed to such third party, and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. According to 16 CFR 313.4 financial institutions must provide a clear and conspicuous notice that accurately reflects privacy polices and practices to a consumer before you disclose any non public personal information about the consumer to non-affiliated third party. 16 CFR 313.7 states financial institions must provide a clear and conspicuous notice to each consumer that accurately explains the right to opt out. The notice must state that you disclose or reserve the right to disclose Nonpublic Personal information about the consumer to a non-affiliated third party ; that the consumer has a right to opt out of that disclosure and a reasonable means by which the consumer may exercise the opt out right. A complaint will be filed wi the consumer financial protection bureau which is the authority who enforces 15 USC 6801-6805. The Privacy Act of 1974 prohibits the disclosure of a record about and individual from a system.of records absent the written consent of the individual. XXXX and Jefferson Capital are hereby orders to compensate me in the amount of {$25000.00} each for violations of my privacy rights and use and transfer of my Nonpublic Personal Information without my written and express consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: AES/PHEAA
State: TX

Complaint narrative:
To Whom It May Concern, I recently reviewed my credit profile and noticed quite a few inaccuracies, falsifications, incomplete information, as well as accounts that are Un-Verified and more. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all of the information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediate The infractions are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AES/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  PA XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Not only is it illegal for a 3rd party collection agency to even reach out to me to pay an old debt, the information is 100 % false! - inaccurate. I never gave anyone my written consent for anything.i DONT NOT OWE THEM!! NOT ONLY THAT WHY ARE CLOSE ACCOUNTS STILLS HOWING UP? I have no clue who that is. I WASNT EVEN IN SCHOOL ANY OF THOSE YEARS. I DEMAND YOU ALL TO DELETE THAT. I am demanding that both of these accounts be updated to paid as agreed and Never Late By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA  XXXX XXXX COMPLIACE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. My name is wrong!!!!! I also want to know where the fake names originated from. That is a lot of violations. There are 38 name violations that are inaccurate as well!!!! No THE XXXX YALL ATTATCHED TO THE LAST COMPLAINT DOESNT EVEN HAVE MY SIGNATURE!!!!!!!!!!!! THERE IS NO WET SIGNATURE. THAT IS MY FOSTER MOTHERS DOING!!!!!!!!!!! TAKE IT OFF. SO MY MOTHER AND MY AUNT DID THIS ..... THIS IS SICK. YOU DIDNT PROVIDE ME WITH ANY KIND OF WET SIGNATURE- I NEVER SIGNED THIS AND I HAD TO BRING MY BIRTH MOTHERS DEATH CERTIFICATE TO THE CASHIERS OFFICE TO CLEAR THIS HERE UP!!!!!!!!!!!!!!!!! THATS FRAUD TAKE IT OFF

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: CA

Complaint narrative:
There are inquires on my credit report that are unathorized and may be fraud related. Please delete them, as I did not give any of these companies permission to pull my report nor did I give XXXX, Transunion or XXXX permission to report these. 

You are not permitted under law to provide or publish my information without my consent 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I've also filed a FTC Identity theft report, to report this behavior to the proper authorities.

12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 

List of unauthorized hard inquires : XXXX XXXX Inquiry date XX/XX/2023 XXXX XXXX XXXX XXXX  Inquiry date XX/XX/20XXXX XXXX XXXX XXXX Inquiry date XX/XX/2023 XXXX Inquiry date XX/XX/2023 XXXXXXXX XXXX XXXX Inquiry date XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX  Inquiry date XX/XX/2023 XXXX XXXX XXXX Inquiry date XX/XX/2023 XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/2023 Thank you,

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