vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-31 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX RE : INQUIRY REMOVAL While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : XXXX, XXXX XXXX, Dated : XX/XX/XXXX XXXX XXXX XXXX, Dated : XX/XX/XXXX XXXX XXXX, Dated : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX, Dated : XXXX XXXX XXXX XXXX & XX/XX/XXXX XXXX XXXX, XXXX, Dated : XX/XX/XXXX XXXX XXXX, Dated : XX/XX/XXXX XXXX XXXX, Dated : XX/XX/XXXX, XXXX XXXX, XXXX, & XX/XX/XXXX XXXX XXXX XXXX, Dated : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX, Dated : XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, Dated : XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give permission to furnish this information on to my credit reports. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. I also demand the credit bureaus to produce a contract between them, I, and the consumer bearing my signature showing that I gave permission to furnish any information on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. Please note that they have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 

Best Regards, XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 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: Synovus Bank
State: FL

Complaint narrative:
I am a victim of identity thief and the XXXX XXXX XXXX ( XXXX ) and First progress ( XXXX ) on my credit report is not mine. Kindly remove it from my report as it inaccurately affects my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: VA

Complaint narrative:
Hunter Warfield Inc is trying to collect money from me for an apartment complex in a state I've never lived in, with a name that is not mine, but is attached to my credit report. I have talked to the apartment complex where the debt originates, they confirm that my birthday does not match the person who they are trying to collect from. I've contacted the collection agency, they said my social security number does not match the person who this debt belongs to. I've done a dispute on my credit report and this still hasn't been removed. 

Account NameHUNTER WARFIELD Account XXXX Account TypeCollection ResponsibilityJoint with XXXX XXXX XXXX Date XXXX StatusCollection account. {$510.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX XXXXXXXX Balance {$510.00} Balance XXXX Recent Payment- Monthly Payment- Original Balance {$320.00} Highest Balance- Terms1 Months On Record XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-01-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
On XXXX i noticed XXXX hard inquiries that i didn't authorize. XXXX was on my XXXX  report and XXXX wer on XXXX XXXX. XXXX from capital one and XXXX from something called XXXX  or something like that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
A new car was purchased and in that agreement there was a vehicle traded in. The loan held by XXXX XXXX for the vehicle traded in was paid off in full and a refund issued for the overpayment. The dealership later decided that they made a mistake in the deal with the new transaction. When I refused to accept different terms ( high interest rate and cost ) they retroactively reinstated the original loan on the vehicle that was traded in. That vehicle was already in their possession and remained in their possession at all times. I asked for paper work proving that I agreed to start a new loan ( since the previous one was paid off ) on the vehicle I had traded in and they ignored all request. XXXX XXXX showed the loan as paid and I was unable to make payments if I wanted to. When I asked XXXX about it, they said it was an issue with the dealership and I had to take it up with them. The dealership, XXXX XXXX XXXX out of XXXX, Idaho, refused to provide any documentation for what they did. They held the car the entire time as well. They eventually reported it as a charge off which caused me to lose almost XXXX point on my credit score as well and reduction in credit lines with credit cards I already have. They still are refusing to provide any paperwork showing they were authorized to do this. 

The vehicle transaction occurred in the company name but I was a personal guarantor

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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
A new car was purchased and in that agreement there was a vehicle traded in. The loan held by XXXX XXXX for the vehicle traded in was paid off in full and a refund issued for the overpayment. The dealership later decided that they made a mistake in the deal with the new transaction. When I refused to accept different terms ( high interest rate and cost ) they retroactively reinstated the original loan on the vehicle that was traded in. That vehicle was already in their possession and remained in their possession at all times. I asked for paper work proving that I agreed to start a new loan ( since the previous one was paid off ) on the vehicle I had traded in and they ignored all request. XXXX XXXX showed the loan as paid and I was unable to make payments if I wanted to. When I asked XXXX about it, they said it was an issue with the dealership and I had to take it up with them. The dealership, XXXX XXXX XXXX out of XXXX, Idaho, refused to provide any documentation for what they did. They held the car the entire time as well. They eventually reported it as a charge off which caused me to lose almost XXXX point on my credit score as well and reduction in credit lines with credit cards I already have. They still are refusing to provide any paperwork showing they were authorized to do this. 

The vehicle transaction occurred in the company name but I was a personal guarantor

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
A new car was purchased and in that agreement there was a vehicle traded in. The loan held by XXXX XXXX for the vehicle traded in was paid off in full and a refund issued for the overpayment. The dealership later decided that they made a mistake in the deal with the new transaction. When I refused to accept different terms ( high interest rate and cost ) they retroactively reinstated the original loan on the vehicle that was traded in. That vehicle was already in their possession and remained in their possession at all times. I asked for paper work proving that I agreed to start a new loan ( since the previous one was paid off ) on the vehicle I had traded in and they ignored all request. XXXX XXXX showed the loan as paid and I was unable to make payments if I wanted to. When I asked XXXX about it, they said it was an issue with the dealership and I had to take it up with them. The dealership, XXXX XXXX XXXX out of XXXX, Idaho, refused to provide any documentation for what they did. They held the car the entire time as well. They eventually reported it as a charge off which caused me to lose almost XXXX point on my credit score as well and reduction in credit lines with credit cards I already have. They still are refusing to provide any paperwork showing they were authorized to do this.

The vehicle transaction occurred in the company name but I was a personal guarantor

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 2024-01-31 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: FL

Complaint narrative:
Equifax, 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 all violated 15 USC 1681 c-2, 15 USC 1681 eb, 15 USC 1681b and 18 USC 1028A.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Mailed letters on XX/XX/year> and XX/XX/year> to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. 

Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further.

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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have a credit card from XXXXXXXX XXXX  XXXX and have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. I called XXXX XXXX XXXXXXXX, and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30-day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX  XXXX with no successful resolution. XXXX, XXXX, and TransUnion reported me 30 days late in XX/XX/2022. There was an error on their part. I was never 30 days late.

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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have a credit card from XXXX XXXX XXXX and have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. I called XXXXXXXX XXXX XXXXXXXX, and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30-day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXXXXXX XXXX XXXXXXXX with no successful resolution. XXXX, Equifax, and XXXX reported me 30 days late in XX/XX/year>. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have a credit card from XXXX XXXX XXXXXXXX and have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. I called XXXX XXXX XXXXXXXX, and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30-day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXXXXXX XXXX XXXXXXXX with no successful resolution. Experian, XXXX, and XXXX reported me 30 days late in XX/XX/2022. There was an error on their part. I was never 30 days late.

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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION
State: KY

Complaint narrative:
I have all emails that occurred in XX/XX/2024. Navy Federal Credit Union admits to discriminating against my father and myself both veterans for a joint loan we also lost funds with the current loan and I was almost homeless because I was told I had to sell to use my VA benefit but then we couldnt so now on the refi they are denying again but said it was a misinformation so they will work with us if we basically arent looking for another bank. 

Its awful and I feel like Ive lost everything and on top of it they just want to make things more difficult and cause hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
I XXXX XXXX XXXX paid off the balance on that account even though it was a fraudulent account opened under my name. I request that you cease and desist any contact method regarding this account. Additionally, if you attempt in sending this to my credit bureau report and I suggest that you dont since I have proof of the payments submitted and account balance is {$0.00}. Thank you in advance and I hope we can resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The credit bureau needs to be investigated due to damaging credit, because I didn't accept ridiculous high interest rate loan. I just finished paying a {$16000.00} loan for a {$9000.00} vehicle in which I paid off on time every time. The predatory loan was paid off.now I wanted to use my excellent credit for a mortgage. But the credit bureau has credit me as poor. I'm sure I am not the only one. Please investigate.

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 2024-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: GLOBAL CREDIT UNION
State: CA

Complaint narrative:
I had Bank Fraud and ID Theft and Some One hacked in to my checking account and put in Fake Checks and Global Credit Union Cleared them and they ( Scammers ) got the money at the casinos and now im negative XXXX and the scammers got away with almost $ XXXX I need Help I have filed ID Theft Insurance Claim but I shouldn't be responsible for theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: CA

Complaint narrative:
Dispute for incorrectly reported personal information filed with Experian on XXXX. 
Experian corrected some issues on XXXX. 
Filed complaint with CFPB on XXXX. 
Experian corrected more info on XXXX I am writing to file a second complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Experian 's persistent failure to remove inaccurate and unverifiable information from my credit report. Despite multiple attempts and the submission of substantial proof validating the inaccuracies, Experian has not taken appropriate action to rectify the situation. This ongoing negligence has negatively impacted my credit score and financial well-being. I request the CFPB 's intervention to ensure that Experian promptly investigates and corrects these discrepancies in accordance with the Fair Credit Reporting Act. Your assistance in resolving this matter is highly appreciated.

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 2024-01-31 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: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
On the XXXX of XX/XX/2021, I buy two pairs of shoes in the XXXX XXXX in XXXX XXXX XXXX in XXXX XXXX, XXXX XXXX, for the amount of {$220.00}, when it was processed the first time it was declined. I was told to go to another terminal where the original transaction was completed. The XXXX of XXXX to my surprise I received my bank statement which shows the original transaction of XX/XX/XXXX and another on XX/XX/XXXX for the same amount of {$220.00}. I went to the store, and they told me I have to claim at the bank, First Bank of Puerto Rico. I went to the bank, and they do not recognize that I was charged two times, a duplicate charge.

Company response to consumer: Closed with explanation