vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
There is information on my consumer report thats is identity theft. I did not provide written permission or instruction for these transactions to be reported on my consumer report. Im requesting that this info is blocked and deleted immediately. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint is not handled accordingly. I have not been able to purchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit recvord. I attached a letter along with ftc report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/XXXX, my checking account was charged a {$29.00} returned check fee as a result of an ACH transaction presented for payment in the amount of {$820.00}. At no time during the statement cycle was my account ever below {$1000.00}. I requested assistance and clarification about the charge from my credit union ( Navy Federal Credit Union ). They responded that funds deposited into the account were not available, however the transaction log clearly indicates funds were deposited on XX/XX/XXXX. Regardless of the deposit timing or funds availability, the account balance would still not have fallen below {$820.00} ( the ACH amount presented for payment ). As a result of Navy Federal declining the payment and subsequently charging the account a {$29.00} fee, I incurred an additional {$30.00} fee from the merchant who presented the ACH payment ( FACTS payment system ). Navy Federal has not acknowledged its mistake nor compensated me fairly for my lost money, time, nor compensatory make whole relief for the ordeal they created. Navy Federal has agreed to refund the {$29.00} fee, however it took an extraordinary amount of customer time and effort to resolve their willful mistake. It appears Navy Federals internal accounting is prioritizing consumer fee receivables and targeting itss low income military and veteran customer cohort with predatory fee structures. Navy Federals reliance on a self-serving funds availability policy misleads consumers as to the actual available account balance. A review of account running balance amounts in comparison to when Navy Federal supposedly makes funds available makes it clear that Navy Federal is creatively interpreting its own policies to yield fees from its customers. This is predatory and should be stopped. If my running account balance says {$2000.00}, how can I have less than {$830.00}? Fraudulent accounting is how.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery calls everyday. Calls my family. Debt that's 6 years old or more. Cussing at me. Threatened me with jail time, or to send sheriff department to my house. Judgement supposedly against me in excess of thousands of dollars aside from the debt itself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
I did not authorize these credit inquiries on my report. I would like to have them removed from my credit report or have the company provide the application bearing my name and signature and a copy of my ID proving that I was the person that initiated this inquiry. I did not apply for any credit with these companies. Please verify these inquiries and remove them from my credit report. I have stated this information to the creditors and they have not responded to my claim and this information continues to remain on my credit report. Under the FCRA, if the creditor can not validate the origin of the account and its accuracy and authenticity, they are required by law to remove it from being reported to the credit bureaus. This is damaging to my credit rating and causing me a lot of stress.

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 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
I did not authorize these credit inquiries on my report. I would like to have them removed from my credit report or have the company provide the application bearing my name and signature and a copy of my ID proving that I was the person that initiated this inquiry. I did not apply for any credit with these companies. Please verify these inquiries and remove them from my credit report. I have stated this information to the creditors and they have not responded to my claim and this information continues to remain on my credit report. Under the FCRA, if the creditor can not validate the origin of the account and its accuracy and authenticity, they are required by law to remove it from being reported to the credit bureaus. This is damaging to my credit rating and causing me a lot of stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services
State: CT

Complaint narrative:
My account with MB Financial Services has already been settled. The car was totaled in an accident on XXXX XXXX XXXX  and it was paid for by XXXX XXXX XXXX XXXX. The difference was covered by XXXX XXXX XXXX on XX/XX/. However there remains a balance in my credit report that I would like the credit bureaus to report as paid in full. I have attached a copy of my GAP coverage to prove that the balance was covered in full. Please have this information updated on my credit report according to FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

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 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
I am writing to dispute several erroneous inquiries that appear on my credit report. After reviewing my credit report, I noticed that there are multiple inquiries that were made without my permission or knowledge, and which are negatively impacting my credit score. 

According to the Fair Credit Reporting Act, any inquiry made on my credit report without my permission is considered unauthorized and must be removed. I request that you investigate these inquiries and remove them from my credit report as soon as possible. 

I have included a copy of my credit report highlighting the unauthorized inquiries for your reference. In addition, I have not authorized any new credit accounts or inquiries recently, and I have not applied for any new loans or credit cards that would result in these inquiries. 

I believe that the presence of these erroneous inquiries on my credit report is unfair and is negatively affecting my credit score. Therefore, I request that you remove them immediately and notify me in writing of your findings. 

Thank you for your prompt attention to this matter. Please let me know if you require any additional information or documentation to resolve this dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: SC

Complaint narrative:
To Whom It May Concern : On XXXX XX/XX/XXXX, I became aware of an erroneous defamatory delinquent collection on my credit file reported by WAKEFIELD & ASSOCIATES in the amount of {$1000.00} which didnt and couldnt possibly belong to me at all and which dropped my credit score by XXXX  points with XXXX. 

I immediately contacted WAKEFIELD & ASSOCIATES at the telephone number indicated on my report, ( XXXX ) XXXX. 

I spoke with XXXX at approximately XXXX XXXX XXXX who informed me that the flagged collection account was from XXXX XXXX XXXX in XXXX, Tennessee. 

I explained to him that I had never been to Tennessee and in no way did I require an ambulance there. He insisted that the debt was mine and I immediately did a skip trace using the alleged address of the person with my same name and age while on the telephone with XXXX. 

At an address in XXXX, Tennessee XXXX. 

I found the individual listed at that address using or having the same name as mine but with two different middle initials. Middle initial XXXX XXXX XXXX' on the one hand, " XXXX XXXX on the other. 

XXXX then told me I would need to contact the sheriffs department and file a report to have them remove the collection account from my credit file giving me Reference # XXXX and to send them a copy of the police report via email at XXXX. 

I hung up but, then I called back minutes later and spoke to XXXX who told me that the XXXX XXXX occurred on XXXX XX/XX/XXXX with a pick-up location of XXXX XXXX XXXX  XXXX XXXX, Tennessee and a drop-off location of XXXX XXXX XXXX, XXXX XXXX, Tennessee XXXX XXXX XXXX XXXX. 

I then left my home and went directly to the sheriffs department where I was informed that I would need to contact and file a report in XXXX, Tennessee with the police there as the possible identity theft was not in XXXX XXXXXXXX XXXX XXXX XXXX 

I then called XXXX XXXX, Tennessee police and was informed that I would need to have the XXXX XXXX sheriff contact them because I live in South Carolina. 

How are collection agencies allowed to place derogatory, defamatory, and libelous information on someones credit file? 

Wakefield & Associates should have known or reasonably known that the libelous reporting of an alleged delinquent collection account to my credit file was in error causing serious harm to my reputation. 

I am a XXXX XXXX veteran that suffers with XXXX XXXX XXXX  ( XXXX ) and I dont need this mess in my life. 

I pay my bills.

Kind regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Unauthorized hard inquiries on credit report from XXXX XXXX XXXX XXXX dated XX/XX/, XXXX XXXX XXXX XXXX dated XX/XX/, XXXX XXXX XXXX dated XXXX they inquiries were to be removed from Equifax and these credit union dont even operate in California jurisdiction to even run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
It's all through the Portfolio company. my debts were canceled by the original creditor, but Im still getting notifications that I owe they took me to court and it was dismissed. I provided the company with all those information but Im still getting harassment and threat to pay the debt that a little longer oh, and Ive been forgiven to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I received an AMEX gift card worth {$30.00} thru XXXX as compensation for additional parking that I had to pay during my trip to XXXX XXXX in XX/XX/XXXX. 

Card # : XXXX XXXX XXXX Security Code : XXXX Expiry : XX/XX/XXXX No one told me about the fine print and that I will lose the amount via monthly {$3.00} fees after 6 months of issue It is written at the back of the card but I am XXXX and there is no way I could have easily read that. 

I recently tried to use it and that is when I realized that the entire money has been wiped out via monthly fees. I tried contacting Amex couple of times last year when I found that and also tried calling them again today at XXXX ( XX/XX/XXXX ) and they said that they can not issue a new card for the lost money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
I am seeking assistance in the matter of a dispute between all major bureaus and a financial Bank and lender Hancock Two payments were sent to Hancock Whitney in the month of XX/XX/XXXX these payments were sent to cover my monthly installment payments on an auto loan. Not only did they receive and confirm receipt of these two payments in XXXX, but a payment large enough to cover 2 months were also made in the month of XX/XX/XXXX. NOTE : XX/XX/XXXX payment was never late. I filed a dispute with the lender directly after several attempts to resolve this countless phone calls, emails, letters, and even copies of my bank statements well enough is enough. This is an internal problem with the staff and management of this lender they need to be investigated and possibly sued for damages. Onward I was reported 60 days late on XX/XX/XXXX after filing my initial dispute they updated the reporting to 30 days, Well this is still incorrect so I initiated another dispute with all three bureaus each time the lender has creatively updating my file but never removed or correcting the 30 days late XXXX notice it showed updated but nothing changed, XXXX noticed the 60days was changed to 30 days, XXXX was up dated added how much I paid on my loan each month because I always pay more than my amount due. A third dispute was requested now XXXX is refusing to reinvestigate. I have sent supporting documents showing this is their error. Recently they updated my credit report adding a late payment for XX/XX/XXXX ILLEGAL in XXXX causing my XXXX  score to drop further. My account and credit file clearly state for the year XXXX, I made 12 on-time payments another error. XXXX, XXXX XXXX XXXX have a responsibility to the consumer public to do their due diligence, and that's making sure that information is accurately reported otherwise disputes are properly investigated. The terms of my installment loan grant a 10-day grace period, therefore, I have until the 10th day of the following month to make my payments before payment is considered late and a late fee is XXXX, not a bureau reporting. I provided proof these payments weren't late not even to get a fee XXXX. This lender is the liar and thief here I am the victim, the victim of credit discrimination. As a result of this reporting error and how my dispute has been handled, I am forced to seek further action in this matter and will continue to dispute this account until the reporting is satisfactory. The terms of my installment loan grants a 10-day grace period, therefore, I have until the 10th day of the following month to make my payments before a late fee is XXXX, not a bureau reporting The balance of this loan is around XXXX not XXXX the lender should be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I mailed a dispute packet to Transuion on Transunion states they did not receive my dispute until XX/XX/XXXX. I received a letter from Transunion stated they received addition information on XX/XX/XXXX regarding my dispute for XX/XX/XXXX. Unfortunately the postal service states they received my mailed dispute XX/XX/XXXX. Transunion advised me since the additional information was provided, which was nothing at all, they had until XX/XX/XXXX to finish my dispute results. This is in regards to a XXXX XXXX account. I received on several occasions XXXX XXXX validate debt by providing me with a copy of the contract and information related to the balance. I called and spoke with a representative on XX/XX/XXXX and was advised he was removing the account immediately. The next day I received a notification stating the account was going into investigation, which should have been on XX/XX/XXXX. When I called XX/XX/XXXX, the representative stated my account was going into " Maintenance, '' and that triggered something in their system. The reason was not provided. I requested a copy of the contract to initiate arbitration of this account and no response was provided. XXXX XXXX is reporting no payment history at all with Transunion. XXXX was showing a charge off on XX/XX/XXXX. XXXX XXXX was reporting this account to XXXX as a charge off on XX/XX/XXXX. I then filed a dispute with XXXX, XXXX and Transuion. The account was removed from XXXX and XXXX. Unfortunately Transunion did not remove the debt. If the debt is not removed I will file a second small claims suit XX/XX/XXXX, which is 30 days after receiving my initial debt. My first small claims suit was filed in XXXX of XXXX and Transunion settled XX/XX/XXXX for damanges. This is the second time Transunion has not removed debt with proof provided by the consumer and after the financial institution validated the debt via electronic means and not addressed the evidence provided. Please remove this account immediately.

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 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
Experian has yet again allowed unauthorized activity on my report. Remarks and fraudulent information have been added to my credit report. 

These continued activities being allowed by XXXX need to stop immediately. 

The account needs to be updated to what is accurate and my score must be returned to what it was before theyve allowed this fraudulent activity. 

I just spent the last hour and a half trying to get someone on the phone to speak about this matter. 

Experian representatives, if this isnt resolved I will be seeking legal counsel and taking a public civil action against you. 

I demand this be resolved in under 30 days or I will move to the next step. The continued ignoring and immediately closing these investigations is illegal and unacceptable.

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 2023-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Deleting A Negative Credit Card From My Consumer Report FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX PA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report. 
List of accounts to be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation