vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am writing to file a formal complaint regarding the repeated failure to remove charge-off accounts from my credit report, despite multiple attempts to rectify this issue.

It has come to my attention that despite providing evidence of fraudulent activity and sending an FTC fraud report as mandated by section 605b of the Fair Credit Reporting Act ( FCRA ), the following charge-off accounts have not been removed from my credit report : These accounts were opened without my consent or knowledge, and they are clearly the result of identity theft. As such, it is imperative that they are promptly removed from my credit report to prevent any further damage to my creditworthiness.

I have made numerous attempts to resolve this matter through proper channels, yet the accounts remain on my credit report, inaccurately reflecting upon my credit history. This persistent failure to address the issue not only violates my rights under the FCRA but also undermines my ability to secure credit and financial opportunities.

Therefore, I am formally demanding the immediate removal of the aforementioned charge-off accounts from my credit report. If you maintain that these items are 100 % accurate and verifiable, I require copies of any documentation associated with these accounts bearing my signature. However, I can assure you that no such documentation exists, as these accounts are a result of identity theft.

Please be advised that if the requested action is not taken within XXXX business days, I will have no choice but to escalate this matter and seek legal recourse. I am committed to resolving this issue in a fair and lawful manner, but I can not tolerate continued negligence and non-compliance with the law. With this, I am asking for your assisstance to remove these accounts in my credit file : XXXX XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXX Balance Owed : {$4800.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: QC HOLDINGS INC
State: KS

Complaint narrative:
Ive gotten a payday loan back in XXXX  and it was paid from a card I dont have anymore more, they was so rude and disrespectful and so unprofessional, they would call me everyday asking for it, Ive asked them to stop harassing me about it but they got real rude say I dont have job, that I dont care about my credit its probably XXXX like you, and say I dont know how to count and did I even go to school because its literally been 5 years Ive threatened me with me XXXX  XXXX  is unprofessional and theyre rude and disrespectful

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 2024-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I have a checking account with an joint owner. The joint owner transfer like {$4500.00} into our checking account on XX/XX/year>. I knew my debit card was lost but I thought it was somewhere in our home. Come XX/XX/year>XXXX  we realize my debit wasn't in our home simply because {$4100.00} of none authorize charges was pending in my account. We immediately contacted Navy federal Credit Union about this and they immediately locked me out of my online banking app so I couldn't dispute online nor over the phone. We had to put it in writing. Which we did several times and got around. They would say they never got it or they got it and things weren't clear. This went on for a week straight. On XX/XX/year> we finally get access to the account by that time we were already headed to the Ohio branch because Michigan does not have a local branch. The Banker at the branch help us got all the cards closed and reissued and help us with the fraud claim and advised us to make a police report. XX/XX/year> we call navy federal back to update the fraud claim with the police report and was informed the claim was closed because they seem no fraud was taking place. But on the XXXX of XXXX the bank teller advised us that someone name XXXX XXXX was trying to pay their internet bill with his card during that time reason for the return fee. We didnt make these transactions at all. Not understanding why my account wasnt flagged for these activites or even notify me about the investigation. I have then put in an appeal. If nothing get resolved or if the investigating team doesnt contact me, I will take a further step in getting a lawyer involved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: AR

Complaint narrative:
I am writing to bring to your attention a concerning issue regarding my credit with your institution. Upon reviewing my records, I discovered several files and accounts that do not belong to me. This discovery leads me to believe that my identity may have been compromised. According to section 605b of the Fair Credit Reporting Act ( FCRA ), it is mandated by law that any items found to be opened due to identity theft must be promptly removed from my credit report. As such, I am formally requesting the removal of these erroneous items from my credit report.

Furthermore, I want to emphasize the importance of your compliance with the FCRA regulations. If there is any possibility that these disputed items belong to me, I insist on receiving all documentation that bears my signature. According to my research, it is your responsibility to verify with 100 % accuracy that each item is true, accurate, correct, complete, and verifiable.

I trust that you will handle this matter promptly and in accordance with the law. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} XXXX XXXX XXXX  Balance Owed : {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX  Balance Owed : {$4400.00} 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 non-monetary relief
Consumer complaint received 2024-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. 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 non-monetary relief
Consumer complaint received 2024-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to delete these Items ( A ). It is not permissible to fail to delete these reporting Items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : 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 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 XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-03-08 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.

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to delete these Items ( A ). It is not permissible to fail to delete these reporting Items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : 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 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 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
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Andreu, Palma & Andreu, PL
State: FL

Complaint narrative:
The debt collector XXXX XXXX I, XXXX, communicated with me without first sending written notification of the debt, which should have legally included the official name of the creditor, the alleged amount of debt owed, and a notification that the debtor has the right to dispute the debt in question. The debt collector communicated with me using my email address, telephone number, and text number, yet they never offered me " any '' method to opt-out. The incessant phone calls were made in an attempt to harass and intimidate me into paying a debt that has never been validated and which I believe is the result of identity theft- which I have been a victim of at least twice in the past 10 years. The company violated the XXXX rule by making repetitious harassing and threatening calls to my phone during a seven-day period. The debt collectors made false claims, including but not limited to the fact that they worked for XXXX Bank  and that I must provide my DOB, address, and social security number to verify my identity before they could discuss the debt with me. 

During the first week of XX/XX/2024, I received a form letter in the mail from the law office of Andreu, Palma, Lavin & Solis, PPLC, XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX. This form letter stated that a lawsuit had been filed ( Case # XXXX ) and notified me that I was being offered a resolution proposal for {$2400.00} in connection with File # XXXXIt is my understanding that the debt collectors actions described in this complaint violate provisions of the Fair Debt Collection Practices Act ( FDCPA )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: OH

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting 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 non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: CA

Complaint narrative:
I applied for a Discover it XXXX card from Discover. Here is my application number XXXX. I was denied due to my previous account that taken care of and due to my credit. 

It is from my understanding I gave you an application which you are going to turn into a receivable and sell on the secondary market and make all of your money. Even though in page 62 of Risk Factors on your PROSPECTUS DATED XX/XX/XXXX   you specifically state, and I quote We do not currently intend to apply for listing of the notes on any securities exchange or to include the notes in any automated quotation system. 

Another thing that I found on page 98 of your prospectus as it states XXXX scores are based on independent, third-party information, the accuracy of which we can not verify. 
I am also being denied cause of my credit that you can not verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: AR

Complaint narrative:
I am writing to bring to your attention a concerning issue regarding my credit with your institution. Upon reviewing my records, I discovered several files and accounts that do not belong to me. This discovery leads me to believe that my identity may have been compromised. According to section XXXX of the Fair Credit Reporting Act ( FCRA ), it is mandated by law that any items found to be opened due to identity theft must be promptly removed from my credit report. As such, I am formally requesting the removal of these erroneous items from my credit report. 

Furthermore, I want to emphasize the importance of your compliance with the FCRA regulations. If there is any possibility that these disputed items belong to me, I insist on receiving all documentation that bears my signature. According to my research, it is your responsibility to verify with 100 % accuracy that each item is true, accurate, correct, complete, and verifiable. 

I trust that you will handle this matter promptly and in accordance with the law. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} XXXX XXXX XXXX  Balance Owed : {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : XXXX XXXX XXXX XXXX Balance Owed : {$4400.00} 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 non-monetary relief
Consumer complaint received 2024-03-08 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: AR

Complaint narrative:
I am writing to bring to your attention a concerning issue regarding my credit with your institution. Upon reviewing my records, I discovered several files and accounts that do not belong to me. This discovery leads me to believe that my identity may have been compromised. According to section 605b of the Fair Credit Reporting Act ( FCRA ), it is mandated by law that any items found to be opened due to identity theft must be promptly removed from my credit report. As such, I am formally requesting the removal of these erroneous items from my credit report.

Furthermore, I want to emphasize the importance of your compliance with the FCRA regulations. If there is any possibility that these disputed items belong to me, I insist on receiving all documentation that bears my signature. According to my research, it is your responsibility to verify with 100 % accuracy that each item is true, accurate, correct, complete, and verifiable.

I trust that you will handle this matter promptly and in accordance with the law. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : XXXX XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Early Warnings Services ( EWS ) is sharing my personally identifiable information with nonaffiliated third party companies or individuals. EWS refused to comply with Federally established laws used to protect consumers. Pursuant 15 USC 6802-6805, I have the right to privacy and to opt out/non disclosure, yet EWS stated they do not abide by these laws and they do not give consumers to opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
To whom it may concern, I am writing to file a formal complaint against StudentAid.gov for their lack of response and inefficiency in processing my application for Income Driven Repayment. I submitted my application on XX/XX/2014 and to this date, I have not received any updates or responses regarding the status of my application. The website still states that my application is under review, with no further information provided. 

It is unacceptable that it has taken this long for my application to be processed, especially considering the implications it has on my eligibility for the Public Service Loan Forgiveness ( PSLF ) program. If my application had been approved in a timely manner back in XXXX, I would have been able to count the past 10 years towards my PSLF eligibility.

I am requesting that StudentAid.gov expedite the processing of my application and provide me with the years of PSLF that I would have accumulated had my application been processed in a timely manner. I have been eagerly waiting for a resolution to this matter and it is crucial for my financial wellbeing and future planning. 

I expect a prompt response and resolution to this issue. Thank you for your attention to this matter. 

Sincerely, XXXX 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 2024-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FIRST PORTFOLIO SERVICING INC
State: MN

Complaint narrative:
I am a victim of identity theft and someone stole my personal information and identity to open a REVVI credit card account. The REVVI credit card account is a fraudulent account, not my account and is the result of identity theft. I have never applied for an account with REVVI Card. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: NJ

Complaint narrative:
I'm sending this complaint to request an unauthorized credit inquiry to be removed from my credit report. I received a copy of my credit report and became aware of an inquiry I did not authorize. It is as follows. 
XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: LA

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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:
I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2024-03-08 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: NJ

Complaint narrative:
I requested the deletion of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to remove credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief