vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-25 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
In XXXX I replaced a XXXX manufactured home with a XXXX manufactured home after I paid off a mortgage account. I financed the new home through the dealers financier for 12 months then refinanced. Through the dealer it was a home only loan since I owned the land. 

I refinanced with Navy Federal Credit Union ( NFCU ) in XXXX using my VA Home Loan benefit. Before NFCU would approve my refinance, they made me tie the home and land together, basically having me to pay on my land again. 

Fast forward, Ive tried several times to dispute the way they are reporting my mortgage on my credit reports. They are reporting the type of account as a Mobile Home or Manufactured Housing on my credit report instead of a VA Home Loan. Instead of a mortgage, it shows as an installment loan, showing I have no real estate loans on my credit report. 

Ive submitted several disputes with all the credit bureaus, and have contacted NFCU many times as well. I dont know why they insist on reporting the type of home I have, vice the type of account the loan is. The way its being reported brings down my credit score as it goes against my credit mix showing I have no real estate accounts. 

During the disputes process with the credit bureaus my report shows a mortgage account with VA Home Loan as the type of account and my score goes up. When the investigation is over, and NFCU reports my mortgage account to the credit agencies they again put Mobile Home or Manufactured Housing as the account type and my score goes down because it shows as another installment loan. 

I dont know what else to do. Ive tried to fix this in XXXX, XXXX, and again in XXXX. Im beyond frustrated. Please help.

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 2024-09-25 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: CA

Complaint narrative:
disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXXXXXX XXXX Account # XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-09-25 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: CA

Complaint narrative:
disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXXXXXX XXXX Account # XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: WV

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 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 explanation
Consumer complaint received 2024-09-25 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: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX : {$230000.00} XXXX XXXX XXXX : {$10000.00}

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 2024-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I received the so called " update '', which informed me of 1. the reduction of my credit limit by {$4500.00} and 2, no cash available.

The reason given- the credit score, which remains " good '' despite the Citi evil efforts to ruin my credit completely, It is because of the Citi adverse actions, 3 in a row, beginning XXXX, that my credit was reduced by {$12000.00}, prompting the Credit Bureaus to reduce the score little by little, every month, in a chain reaction, amidst no missed payments, no overpayments. 
The Citi deception and predatory practices has been their modethi of operation, This is the second credit card they made totally useless for me, leaving me unable to pay for dental and eye treatments, amidst those treatments, ( My insurance can reimburse me only after the expenses have been paid ). To continue calling their adverse actions ( this is the 3rd one ) an " Update '' is not legal, not human, and is totally amoral, And to do such thing with no warning?? 
Herewith I request that CITI immediately return my credit limit and cash access on this card Citi DIAMOND XXXX to where those limits have been been until 3 days ago, XX/XX/XXXX. 
I refuse to be responsible for the credit card I can not use when I need it for my medical treatment. NO USABLE CARD, NO PAYMENTS, I am sick and tired of the CITI deception, abuse, glaring incompetence and infinite greed, ATT/ CITI MUST ADDRESS THIS COMPLAINT SEPARATELY FROM THE COMPLAINT ABOUT ANOTHER CREDIT CARD, WHEREBY THEY RUINED MY CREDIT BY TWO ADVERSE ACTIONS, CITI MUST REFUND {$30.00} FOR MY HAVING TO PAY FOR THE SHIPMENT OF THIS CARD TO XXXX XXXX because they kept losing the new card in the mail. No surprise, the incompetents sent me more than once a credit card in other person 's name, Never even apologized. 
Attached please find a citation from my XXXX credit rating up to XXXX, the Citi adverse action letter, deceptively named " update '' and sent with no prior warning, Att/ my previous complaint about this card has never been addressed by the Citi , either here or in numerous messages sent to their so called Executive department

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 2024-09-25 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: FL

Complaint narrative:
The fraudulent, inaccurate, and misleading information on my consumer report persists despite my many attempts to address it. These false entries have severely impacted my life, causing major stress and anxiety. As an identity theft victim, I never authorized this information to be linked to my name.

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 2024-09-25 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: FL

Complaint narrative:
The fraudulent, inaccurate, and misleading information on my consumer report persists despite my many attempts to address it. These false entries have severely impacted my life, causing major stress and anxiety. As an identity theft victim, I never authorized this information to be linked to my name.

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 2024-09-25 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: GA

Complaint narrative:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me 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 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 2024-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year> Dear Capital One Support Team, I have already provided all necessary documentation, including a receipt from my XXXX account that verifies the funding source, yet I am repeatedly told the same vague information with no progress. Furthermore, every time I contact your support team, I am met with unprofessional and dismissive behavior, including being hung up on by a particular representative. 

This situation has become intolerable. I have already reached out to the Attorney General in New York to inform them of this issue, as holding my funds XXXX without resolution is, in my view, unlawful. Additionally, I am gathering documentation from others who have experienced similar treatment from Capital One, and I intend to bring this matter to the attention of my local news station if it is not promptly resolved. 

I urge you to release my funds immediately. I have also escalated this issue to your CEO, but to date, I have not received any assistance. I demand a prompt resolution and the release of my funds, or I will pursue further legal action. 

I expect an immediate response and resolution to this issue. Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: WA

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 explanation
Consumer complaint received 2024-09-25 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: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX : {$230000.00} XXXX XXXX XXXX : {$10000.00}

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 2024-09-25 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: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX : {$230000.00} XXXX XXXX XXXX : {$10000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: WV

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 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 2024-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I purchased a pair of XXXXXXXX XXXX from XXXX in XX/XX/year>, ordering a size XXXX, but XXXX mistakenly sent a size XXXX XXXX. When I requested a refund, XXXX refused, stating the item was a final sale. 

Consequently, I filed a dispute with my Apple Card, but it has been repeatedly denied. After explaining the situation to an Apple Card agent, I was advised to refile the dispute as it seemed justified, yet it continues to be denied. 

Additionally, the credit card company argued that I still possess the item ; however, this is solely because XXXX denied the return. I could immediately return the sneakers to the store if XXXX requested. 

Therefore, it is unreasonable for the credit card company to side with the seller for this reason. Moreover, the credit card company mentioned that I violated XXXX ' XXXX return policy. 

However, XXXX initially rejected the return because the XXXX XXXX  were considered a final sale, despite sending the wrong size. It is frustrating that the dispute is still being denied based on incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fundo LLC
State: OK

Complaint narrative:
I am writing to formally dispute an account reported by FUNDO that has been listed on my consumer report. I am disputing the validity of any and all debts alleged to be owed to this collection agency. Additionally, I am revoking their right to contact or communicate with me in any way, effective immediately. Under the Fair Debt Collection Practices Act ( FDCPA ) and the regulations established by the Consumer Financial Protection Bureau, I am exercising my right to request debt validation. Specifically, I am requesting the following : 1. Validation of the debt in accordance with 12 CFR 1006.34 ( b ) ( 5 ), which has not been provided to date. 2. The purchase agreement between FUNDO and the original creditor to establish their right to collect on this debt. 3. Proof that FUNDO is licensed and bonded to collect debts in my state. I would like to bring to your attention that I have not been given the opportunity to dispute this account as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Furthermore, FUNDO has violated my consumer rights by using false, misleading, and deceptive means in their attempts to collect this debt. FUNDO has no authority to furnish any account to consumer reporting agencies without providing the necessary disclosures required by law. This failure to comply constitutes a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). In light of these violations, I am requesting that the CFPB take immediate action to investigate and address this matter. I expect the account in question to be removed from my consumer report until proper validation is provided and my dispute is resolved. Please confirm receipt of this letter and keep me informed of the progress of your investigation. I am prepared to provide any additional information or documentation that may be necessary to support my case. Thank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: NJ

Complaint narrative:
According to Law FRCA SECTION 605b, it is illegal to report information on my credit report without my permission. I noticed financial institutions disclosed my non-public personal information to multiple non-affiliated third parties and I was never provided with any notices to give any consent to those said parties stated within the law 15 USC 6802. Accounts : 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 2024-09-25 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: 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 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 explanation