vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with 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: FL

Complaint narrative:
I SENT NOTICE TO COMPANY ABOUT A DISPUTE WITH XXXX COMPANIES REPORTING COLLECTION AND CALLING MY PHONE ABOUT A DEBT THAT SHOULD BE REMOVE FROM MY CREDIT REPORT AFTER INTIAL COMMUNICATION OF REPORT WAS REQUESTED INVESTIGATION FOR VALIDITY OF OBLIGATION. I NEVER RECIEVED INFORMATION REQUESTED OR ANY RESPONSE AT ALL WHICH IS VIOLATION OF SEVERAL CODES IN THE FAIR DEBT COLLECTION PRACTICE ACT INCLUDING 1692C, F, G, H OF THIS ACT

Company response to consumer: Closed with non-monetary relief
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: TRANSWORLD SYSTEMS INC
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 one 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 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
ACCOUNT ENDING IN XXXX The above account was reported a collection/charge off and is affecting my credit score negatively. The reporting of this account is incorrect as I see a balance after it was considered a charge off. I urge you the agency to reinvestigate and provide all the missing information. Also, please explain why there is a past due balance reporting while the report shows a charge off? Im pretty sure you know it is a violation. I demand the immediate deletion of this account to ensure that your agency is reporting full and only complete information on my account.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of XXXX XXXX. 

Please review the attached letter. Thank you for your assistance.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of XXXX XXXX. 

Please review the attached letter. Thank you for your assistance.

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: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/year> I mailed a dispute letter to Capital One Auto Finance because they are reporting my auto loan with a balance of over {$20000.00} even though this account was included in a bankruptcy and it should not longer be listed on my credit report. I requested an update because this is seriously hurting my credit but their company failed to respond. It has been over 40 days since my initial dispute and their company violated my rights under the fair credit reporting act and the bankruptcy code.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I AM WRITING TO DISPUTE SOME INQUIRIES, ON MY ACCOUNT. I DID NOT APPLY FOR ANYTHING AT ANY OF THESE COMPANIES. PLEASE REMOVE INQUIRY FROM MY CREDIT REPORT IMMEDIATELY. 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, I WAS PRE APPROVED ON ONE CAR LOAN FOR CREDIT ACCEPTANCE ON XX/XX/XXXX AND WENT TO THE DEALERSHIPS WITH THE PRE- APPROVED LOAN AND THEY STILL RAN MY CREDIT WITH MULTIPLE COMPANY AFTER I ASKED THEM NOT TOO BECAUSE I ALREADY HAD AN APPROVED LOAN.

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: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Idaho Housing And Finance Association
State: TX

Complaint narrative:
On the XXXX of XX/XX/year> my loan servicing company made payment of my property taxes of {$7200.00}. On the same day ( XX/XX/year> ) they made an additional payment from MY escrow account in the amount of {$8800.00} also for property taxes but for someone else, this second amount of {$8800.00} is not mine. I have checked multiple resources to confirm this. My loan servicing company is currently closed, and I am unable to get this resolved but am doing this as a precaution as my escrow account is now in the negative by - {$6900.00}. This will affect me negatively. I only realized this when I went online to make our monthly mortgage payment yesterday XX/XX/year>, and noticed this egregious mistake. I will be contacting them tomorrow when they are open, but this obviously needs to be taken seriously, and I wanted to inform you and receive help to get it rectified immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
XX/XX/year> Applied to a Deposit Trust Account with Navy Federal Credit Union. Submitted all the necessary documents for review to open the account. 

XX/XX/year> Navy Federal responded that my trust application did not meet there opening requirements. Here is their response : Navy Federal Response XX/XX/year> : Thank you for your membership with Navy Federal. We have received your Application for Deposit Trust account along with supporting documents ; however, we are unable to process. This Trust does not fall within the category of a simple estate planning Trust that we service. After a thorough review of your documents, it appears we are unable to proceed with your Trust application request and encourage you to explore other financial institutions for your Trust needs. We apologize for this inconvenience. If we can be of further assistance, please let us know. 

XX/XX/year> I questioned Navy Federal 's decision and asked for their specific GUIDELINES in writing. I also stated that there seemed to be some bias and discrimination within your review process because Navy Federal did not CLEARLY defining the requirements upfront in the application nor is it stated on the website. I allowed them 5 business days for your response now I am escalate the matter. Here is what I asked Navy Federal : After careful review of the application and Navy Federal 's Website, there is NO PROVISION stating that the trust must fall within the category of a " SIMPLE ESTATE PLANNING TRUST. '' Please provide EVIDENCE within Navy Federal policy and guidelines that define what a " SIMPLE ESTATE PLANNING TRUST '' is. I am requesting a relook at my application because a Revocable Living Trust is a simple estate planning trust. Your application list the requirements as the following ; An Access Number will be created for the Legal Trust at the time the Deposit Trust Account is established. This application requires a Social Security number ( SSN/ITIN ) or an Employer Identification Number ( EIN ) and a copy of the Legal Trust pages that : ( 1 ) name the Legal Trust, ( 2 ) provide the signatures that established the Trust, and ( 3 ) provide the Trustee designations. Generally, XXXX  requires that all Grantor ( s ) /Trustor ( s ) OR all the trust beneficiaries be members of Navy Federal Credit Union .

Navy Federal refuses to provide the policy and/or guidelines that define " Simple Estate Planning Trust '' and how that classification is reached. This act show lack of transparency and possible bias and discrimination within their review process.

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Midland called me about an account I didn't recognize. They had me review charges and the address matched that of one of my relatives. I brought that relative on the phone with me who admitted to opening the account. Midland still claims what I'm saying is false. They claim my address was on the account, but I noticed it wasn't when they had me review it on the phone. I recently found out they got my address from pulling my credit report, not from the fraud account. I filed a police report and FTC report. I attempted to update the police report to add said relative, but they told me I'd have to have a detective assigned to it and talk to them about it. I did update it on my FTC report. I called the bank that had the fraudulent account and was told it was under investigation. I called the credit bureaus, and I no longer see it on my credit report. I asked the woman on the Midland phone if there is a way to upload or fax my documents since I don't have transportation or money to send by mail. She refused to give me any way to dispute it.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Violations of : Permissible Purpose : 15 USC 1581b Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) Verification : 15 USC 1681i ( 7 ) Responsibilities of Furnishers : 15 USC 1681s-2 Experian has unlawfully and illegally reporting derogatory information on my credit report without proper authorization. I have repeatedly informed Experian that I was affected by ID Theft and my information was compromised. These is not credit transactions initiated by me. Additionally, I will be filing federal complaints against Experian for these unlawful practices because my consumer rights have been violated. I have not authorized them to report any information about me, and their actions violate the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for reporting such information. Their failure to comply with these legal requirements has caused harm to my credit standing. I request that the CFPB investigate this matter thoroughly and ensure that this derogatory information is removed from my credit report immediately. Experian failure to adhere to these legal standards has significantly damaged my credit standing, and I expect immediate corrective action. Illegal accounts include are : Fraudulent Account/ Transaction/ XXXX XXXX Account # XXXX Balance : $ XXXX Opened : XX/XX/XXXX Fraudulent Account/ Transaction/ XXXX XXXX XXXX/ Account # XXXX Balance : $ XXXX/Opened : XXXX XXXX, XXXX Fraudulent Account/ Transaction/ XXXX XXXX XXXX/ Account # XXXX Balance : $ XXXXOpen Date : XXXX XXXX XXXX, XXXX This failure to provide adequate proof of the alleged debt is a violation of my rights under federal law. I requested to provide verifiable proof of this debt and clarification of how these alleged unauthorized accounts were verified, I have not received anything. This raise concerns about their compliance with legal requirements. In accordance with the Fair Credit Reporting Act ( FCRA ), I have not given them the authority to access or report any information related to me. Their actions are in violation of the FCRAs requirement for a permissible purpose in reporting credit information. Again, I will be filing complaints at federal levels to address these violations and then seeking a lawyer. I have given Experian a fair opportunity to clear this up, however I am still being harassed.

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 status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed these companies off my credit report. They are still showing up on my credit report. 

Names Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies are fraudulent. 

Thank You!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
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: EQUIFAX, INC.
State: NC

Complaint narrative:
See the attached Arbitration Notice Letter and Equifax 's Agent signature of receipt of the Certified Mail Arbitration Notice Letter I sent to Arbitrate for serval violations per Equifax 's Arbitration terms and agreements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On XX/XX/year> I tried to use gift cards with the XXXX website in order to make a purchase. Before the purchase I did e-mail the company and they responded that they would be more than happy to take two gift card in order to split the order. However when I called them the next day, the customer representative told me they would not take my American Express gift cards. I have also tried to spend my XXXX gift cards on XXXX by trying to " reload '' a digital gift card, however XXXX will not take these gift cards as well.

Company response to consumer: Closed with 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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On the day of XX/XX/year> I have personally purchased a Vehicle from XXXX XXXX... I had been APPROVED via in house financing ; although the Dealership has indeed ran My information prior to the close of the Credit Sale. Absent a SSA-XXXX XXXX has unauthorized use of My SS, meaning per 42 USC ss 408 ( 8 ) declares that it is a FELONY to utilize My trust information ( SS # ) and indeed is a violation of Criminal Law. I Also sent a Correspondence dated XX/XX/year> unto the XXXX branch Certified Mail/ Return Receipt. Not to mention, they still Own the title interest by giving XXXX XXXX  as the " assignment '' and NOT the 'Creditor '...

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