vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hi, my name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over XXXX  days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside XXXX  days offers a purpose to straight away remove those items from my credit report. Its been over XXXX  days so they have to be deleted directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I had fraudulent activities. This is stopping me from obtaining credit. I am requesting that these fraudulent accounts be removed from my credit report. 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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Asked Bank of America for copies of credit applications used under my credit information.its unheard off that I would have to wait weeks or longer to act on the information, worse yet I have complete the forms certify them and mail back .Perhaps months for a resolution.This very time sensitive and involved Identity theft.As a matter of sensitive financial information Bank of America would do all this electronically almost instantly

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 2024-02-29 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: GA

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 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 2024-02-29 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: Experian Information Solutions Inc.
State: GA

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 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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following inquiries need to be removed : XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: CA

Complaint narrative:
At approximately XXXX am on XX/XX/24, I attempted to access my account with Experian. ( I received a free, XXXX credit check service as a result of a hack to XXXX of my financial services. ) When I tried to log into my account, I repeatedly received the message that the information I was inputting did not match their information. I finally clicked the " forgot password '' link and was taken through a process to identify myself. This included their sending me a pass code to my phone via text. The code didn't come, so I clicked the " resend '' link ; it still didn't come. I went back to the website to try to find a phone number, but the only XXXX available was to order a credit report. I spent several minutes on their various pages, trying to find contact information for customer support, but only kept getting the same XXXX unhelpful pages. I put a query in the " questions '' box for " can't access my account '' and was returned to the same page I was on. I finally did a XXXX search of a phone number and called the one that came up. There was an automated service that responded, asking for my social security number. I don't simply give out my SSN on demand, so I asked for a representative. Eventually, I got to an automated service that gave me only XXXX options : report fraud or order a credit report, neither of which addressed my problem. Regardless of what information I gave either verbally or using the phone buttons, this recording kept repeating the same directions. After spending XXXX minutes on this circular phone tree, the system finally hung up on me. So, their login system is broken, their phone service is a dead end, and their web presence is XXXX XXXX block. This is unacceptable for a service ( normally a PAID service ) that we are dependent upon for our financial safety. Furthermore, they of all businesses should not require customers give their SSN right up front as the only means of getting through their door ( although careless custody of SSNs is what keeps them in business. )

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 2024-02-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Ive never had sprint previously, Ive been on family plan through XXXX XXXX XXXX, and have recently transferred and bought and pay for my own phone through XXXX for the past year. The original Creditor ( XXXX ) has never tried to contact me nor has sent information via mail to resolve this. Jefferson capital LLC has never tried to contact me in any shape or form as well to resolve it or share the information, I found out through XXXX, I believe this is a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: 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 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 2024-02-29 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: GA

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. 

XXXX XXXX : # XXXX, Credit Collection Serv : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 



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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi, my name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over XXXX  days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside XXXX  days offers a purpose to straight away remove those items from my credit report. Its been over XXXX  days so they have to be deleted directly.

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 2024-02-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
NFCU XXXX Navy Federal Credit Union advertises a " low '' rate of 5.99 % for used cars under XXXX  months on their website. https : //www.navyfederal.org/loans-cards/auto-loans/auto-rates.html I have a very high credit score, low DTI, high income, long and continuous job employment, strong cash reserves, etc which has in the past given me the best rates. I however was offered extremely bad rates. Worse rates than my current loan I was refinancing, and worse than a current offer by XXXX XXXX by a high margin. 

I have to ask myself if I could not qualify for their " best rate '' then who in their eyes is able to qualify? Are these rates and their offer for {$200.00} to refinance a tactic to lure consumers into unfavorable loan deals and is anyone truly able to receive the advertised rates that they are offering?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: GA

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 XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: TN

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: SANTANDER HOLDINGS USA, INC.
State: ND

Complaint narrative:
My lease vehicle was destroyed in an accident on XX/XX/year>. I called XXXX XXXX the next day to get a payoff quote, and was told that the payoff was {$19000.00}. My insurance company immediately started the claim process, and determined the vehicle was worth {$22000.00} at the time of loss. XXXX XXXX was very uncooperative with my insurance company and wouldn't communicate with them or give them a letter of guarantee for more than XXXX days. In the meantime, I had to make an additional lease payment of {$300.00} which included a {$30.00} late fee that they wouldn't wave. After more than XXXX dozen requests by myself and my insurance XXXX, XXXX XXXX provided a letter of guarantee in XXXX, requesting that my insurance company send entire loss amount to them, less the {$500.00} deductible, and then XXXX would reimburse me for the overage. My insurance company paid them {$21000.00} for the vehicle, then XXXX decided that I needed to pay for the extra miles that the vehicle had, so instead of refunding my {$21000.00} - {$19000.00} = {$2100.00}, they decided the amount of {$300.00} would be a more appropriate refund to me. I asked for a breakdown, and expressed my displeasure, as I planned to purchase the vehicle in XXXX anyway, had the accident not occured. i don't feel that XXXX is entitled to take a milage discount when they were paid for the vehicle, and didn't get it back. The entire difference between what my insurance company paid, and the estimated buyout of lease should be paid to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TN

Complaint narrative:
TEXAS LOCATION FOR NMAC LIES TO CUSTOMERS CONTINUOUSLY AND IT IS RIDUCULOUS. AN AGENT TOLD MY HUSBAND JUST YESTERDAY THAT THERE IS NO LOCATION FOR NMAC IN XXXX, TN WHEN THAT IS INDEED HEADQUARTERS AND THE LOCATION REGISTERED THROUGH THE SEC. TRUST PROPERTY WAS WRONGFULLY REPOSSESSED AND NMAC KEEPS DELAYING ANY KIND OF RESPONSE DESPITE BEING PROVIDED ALL OF THE PROOF THAT THE CONTRACT IS FRAUD. NMAC VIOLATED TILA, XXXX RULES/REGULATIONS, AND XXXX  REQUIREMENTS. THIS FRAUDULENT CONTRACT WAS NOT ORIGINATED XXXX XXXX, BUT WAS XXXX XXXX, XXXX. XXXX OPEN LOANS WERE ACTIVE AT THE SAME TIME BETWEEN NMAC AND XXXX XXXX XXXX XXXX XXXX XXXX WAS THE ALLEGED ORIGINAL CREDITOR XXXX XXXX XXXX AND WAS NOT RESCINDED BY XXXX XXXX UNTIL XX/XX/XXXX WHEN THE ALLEGED FRAUDULENT CONTRACT WITH NMAC WAS CREATED. NUMBERS AND SIGNATURES WERE FORGED, WHICH I HAVE PROOF OF AND THAT INFORMATION HAS ALREADY BEEN PROVIDED TO THE COLLECTIONS DEPARTMENT WHEN THE AGENT LIED AND SAID THE VEHICLE WAS NOT UP FOR REPOSESSION YET. THE VEHICLE WAS STOLEN FROM PRIVATE PROPERTY WITHOUT A WARRANT BY XXXX XXXX XXXX. NMAC HAS ABONDONDED THEIR FIDUCIARY DUTY COMPLETELY. EVERY GOVERNMENT ENTITY THIS HAS BEEN REPORTED TO HAS DONE NOTHING TO ASSIST MY HUSBAND AND I. WE RECEIVED A LETTER XXXX XXXX STATING THE VEHICLE WILL BE SOLD IN AN AUCTION WITH NO DATE. NMAC HAS DONE THIS XXXX TIMES ; DEMAND MONEY THE LAST DAY A PAYMENT CAN BE MADE, REPO LETTERS AFTER IT HAS ALREADY HAPPENED, AND THE MOST RECENT LETTER FOR AUCTION OF THE VEHICLE. FOR ALL WE KNOW, THEY HAVE ALREADY SOLD THE VEHICLE, AND IS LYING TO THE CFPB THAT THEY ARE DOING A FALSE INVESTIGATION TO BUY MORE TIME TO SELL THE VEHICLE THAT WAS NEVER THEIRS TO BEGIN WITH.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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:
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. Act Name : XXXX  XXXX XXXX, XXXX Number : XXXX, Act Name : XXXX XXXX XXXX XXXX Number : XXXX Act Name : XXXX XXXX XXXX, XXXX Number : XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than XXXX ( XXXX ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable XXXX Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of inquiries below has violated my federally protected consumer rights. XXXX XXXX XXXX, XXXX CARD, XXXX, XXXX CO XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than XXXX ( XXXX ) years

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 2024-02-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My XXXX XXXX XXXX son who had a Cap One XXXX XXXX based off my account was scammed. He tried to deposit the same fraudulent check three times -rejected each time. 
I was told he was barred from opening an account at Cap One XXXX! for a kid mistake. Spent hours trying to get a reason. Never got a real response. Wrote to President. No response. Fraud case number XXXX please help

Company response to consumer: Closed with non-monetary relief