vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Army and Air Force Exchange Service
State: NY

Complaint narrative:
as stated in the line about the information I requested, which should've been printed in the letter from AAFES military Exchange Debt Collection notices. 

In the past, I have tried to contact them. I called them, and I have tried requesting the registration number. All attempts the call is either dropped or leads to no resolution.

They keep increasing Interest charges for XXXX failing to pay. Yes, that is true, however, I also been wanting to know the necessary registration number I required from them. 

Now that they ceased communication. I can not get a registration number, let along try to remedy with the Debt Collector in a payment plan.

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 2025-01-01 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : An account opened at XXXX XXXX  on XX/XX/XXXX, A credit card account opened with XXXX XXXX  opened in XXXX of XXXX, An account opened with XXXX XXXX XXXX XXXX in XXXX of XXXX And an account under XXXX XXXX XXXX opened on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-01 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: MD

Complaint narrative:
XX/XX/year> [ XXXX XXXX XXXX  XXXX ] [ XXXX XXXX XXXX ] XXXX XXXX XXXX, UT XXXX Subject : Final Request for Deletion of Inaccurate Charge-Off Account # [ XXXX ] To Whom It May Concern, I am writing to follow up on my previous disputes regarding the charge-off listed on my credit report under the account # [ XXXX ]. Despite my previous communications and the evidence provided, this inaccurate charge-off remains on my credit report. 
I have provided a 1099-C form which confirms that the debt associated with this account was canceled. According to the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ), you are required to ensure that only accurate and verifiable information is reported on my credit file. 
The continued presence of this charge-off is inaccurate and non-compliant with the law. 
I have previously requested the method of verification and supporting documents as per FCRA 611 ( a ) ( 6 ), but have not received an adequate response. This is my final request for the removal of this charge-off. If you do not comply, I will escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider legal action for non-compliance with the FCRA.

Please remove this charge-off from my credit report immediately and provide written confirmation of this action. Under FCRA 611 ( a ) ( 5 ) ( A ), if the information can not be verified, it must be deleted from my credit file. 
Thank you for your prompt attention to this matter. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 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: TX

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2025-01-01 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:
the following address that is being reported to my credit report is fraudulent XXXX XXXXXXXX XXXX XXXX XXXX Virginia XXXX my correct address is XXXX XXXX XXXX XXXX XXXX XXXX Virginia 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 2025-01-01 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:
the following address that is being reported to my credit report is fraudulent XXXX XXXXXXXX XXXX XXXX XXXX Virginia XXXX my correct address is XXXX XXXX XXXX XXXX XXXX XXXX Virginia 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 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I received a letter and email from XXXX XXXX that my information was compromised. I also received information from another company saying my information was leaked. I am trying to file the FTC report. I have companies that I don't know calling me saying I owe money to them. They told me that they bought something and now I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I received a letter and email from XXXX XXXX that my information was compromised. I also received information from another company saying my information was leaked. I am trying to file the FTC report. I have companies that I don't know calling me saying I owe money to them. They told me that they bought something and now I owe them.

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 2025-01-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" I am a victim of a data breach and identity theft. 
Kindly block and delete the account within 4 business days as required by FCRA 605B, 15 USC 1681c-2. I have four negative reports that need to be removed and blocked

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 2025-01-01 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: HI

Complaint narrative:
Its absolutely infuriating to see inaccurate accounts on my credit report. These accounts have been dragging my score down for far too long, and its impossible to ignore how much theyve impacted my financial life.

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 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX  - XXXX - {$0.00} Late Payment XXXX  - XXXX - {$0.00} Inquiry XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 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:
the following accounts that are listed on my credit report are fraudulent XXXX  : Account Number : XXXXXXXX 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 2025-01-01 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: OneMain Finance Corporation
State: CA

Complaint narrative:
I have contacted several time and warned company against calling and harassing. I have submitted ID theft report from FTC.gov website, the company also ignores that they are in violation of 3 federal codes. 15 U.S. CODE 6802, 15 U.S CODE 1681B, 18 U.S CODE 1028.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 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: MO

Complaint narrative:
I recently checked my credit profile and realized there are some accounts that I am unfamiliar with and alot of accounts that are reporting incorrect information. I have never gave written consent or permission to report to my credit profile and I have contacted the credit companies and the credit bureaus to seek the documentation that shows I gave them permission to report to my consumer profile. By law that is Aggravated Identity Theft 18 U.S. Code 1028A These companies are also reporting inaccurate information across all XXXX bureaus. Dates opened, dates closed, and other things are not the same dates or numbers across all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year> USAA XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Clarification on Consumer Credit Transaction Pursuant to 15 U.S.C. 1679a Dear USAA, I am writing to request clarification and a complete understanding of the nature of my promissory note issued by USAA, which explicitly states, This is a consumer credit transaction directly above the Truth in Lending disclosures. A copy of the promissory note is attached for your reference. 

Over the past several weeks, I have consulted with multiple professionals, including car dealers, loan officers, two legal advisors, and a current USAA employee. All of them unanimously agree that if the promissory note explicitly designates the agreement as a consumer credit transaction, then it is reasonable to conclude it falls under the definition set forth in 15 U.S.C. 1679a. 

Given the clear language in the promissory note and the feedback I have received, I see no ambiguity regarding its classification. However, I am seeking an unequivocal confirmation from USAA : 1. Does USAA consider this promissory note a consumer credit transaction as defined by the applicable federal statute?

2. If not, please provide a detailed explanation as to why it would not qualify as such under 15 U.S.C. 1679a, despite the explicit language in the promissory note. 

This clarification is essential for my records and for ensuring that all parties are operating under the same understanding of the agreement. 

I look forward to your response and trust that USAA will provide a timely and comprehensive explanation. Please do not hesitate to reach out to me directly at XXXX, if you require additional information. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2025-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Company did not provide proper validation with 5 days as stated by the statute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax refuses to remove the XXXX XXXX XXXX that's on my account. 

Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and I DID NOT give you neither direct nor indirect permission to furnish my information. 

I have put in several disputes about them publishing inaccurate information, but they keep stating that XXXX XXXX is verifying the information. 

My account is blocked on XXXX XXXX, so they don't have the ability to verify anything attached to my name. The XXXX  XXXX  stated to me that they don't share that information. 

How can XXXX XXXX verify anything when my account t has been opted out and blocked, so I am stating that Equifax are not verifying and just keeping the information the same without a human person really doing the research to verify the information. 

I will attach the letter from the XXXX  XXXX and also my letter from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: SECURITY FINANCE CORP
State: GA

Complaint narrative:
Security finances says I owe them XXXX but the loan is not credited to my account and Someone else opened that up in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/year> a fraudulent check was deposited on to my account for {$980.00} and the money was withdrawn from account. I never noticed this on till the next day where I checked my account and seen an atm deposit and withdrawal had happen. Immediately I called the bank and they filed a claim for me which they told me would be resolved in 10 business days. On day 4 of the 10 business days I look at my account and the bank reversed the check as it had been a fraudulent check. Then is a huge problem because the bank took a portion of my own money and resulted in me losing XXXX dollars. The problem is I had XXXX dollars on my account after these fraudulent transactions were made and the bank took XXXX out of it which was my money. The fraud money that was deposited on to my account was withdrawn the same day so for the bank to go and take a portion of my money even though the fraud money wasnt in my account is the underlying issue. I called the bank which is well Fargo many times telling them how can someone deposit a fraudulent check on my account and withdraw money without my authorization but they said that my pin was entered which made no sense because I had just got a new card because my old one had unauthorized transaction on it as well. This is still all led to no avail.

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 2025-01-01 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: FL

Complaint narrative:
Ive had enough. The accounts on my credit report that are still in pending litigation should not be there at all. I've reached out to you repeatedly, hoping this issue would be resolved, but each time, it feels like Im being ignored. Its extremely frustrating to deal with this error that's negatively affecting my credit score, especially when Ive done everything on my end to address it.

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 2025-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA
State: IL

Complaint narrative:
Checking my Credit report and the loan servicer MOHELA appeared with 2 accounts that ARE NOT mine. The money was given to XXXX  XXXX XXXX and they were no help in solving my problem I then filled out ID theft affidavits with them and still have heard nothing. I spoke to someone named XXXX in the aid office and she would give no information accept that my loans were late. I explained that I have not been in college since XXXX. I have filled out multiple complaints with different agencies. The Fed just gives out money without proving who the borrower is and the college doesn't check either because all they want is payment and could care less whos credit they destroy.The total stolen from me and just handed over The " XXXX  '' is XXXX dollars so far. Unless the promissory note is stopped the college can keep taking my money without having to prove who the borrower is. Mohela blamed the college. The college blamed the fed and the only one XXXXXXXX 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 2025-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I asked for recurring payments to be scheduled. Bank of America will only allow recurring payments for the minimum amount due for any given month or the pay-off amount. These limits on payment options is making it more difficult to pay off the debt and allows BOA to collect more interest. Also, on XX/XX/year>, I called in to report fraudulent activity on my account and the fraud department staff REFUSED to investigate my complaint.

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