vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am who i say i am a person and a consumer. XXXX XXXX himself and not a third party. After challenging the consumer reporting agencies regarding a few unauthorized inquires my concerns were not handled. i filled a few identify theft reports to assist with these unauthorized inquires.

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 2021-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2019 Chapter XXXX Bankruptcy discharge under public records has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting public records Chapter XXXX Bankruptcy discharge filed on XX/XX/XXXX XXXX to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of bankruptcy that are reporting has not been opened by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS Chapter XXXX Bankruptcy discharge filed on XX/XX/XXXX XXXX ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX IS CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt. I have notified the Bankruptcy Court and their response letter is attached stating they do not report information directly to the credit reporting agencies. Therefore, how could you verify this account.

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 2021-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I feel that Navy Federal Credit Union maybe be acting unlawfully please see attachments for more information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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: MD

Complaint narrative:
I am who i say i am a person and a consumer. XXXX XXXX himself and not a third party. After challenging the consumer reporting agencies regarding a few unauthorized inquires my concerns were not handled. i filled a few identify theft reports to assist with these unauthorized inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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: MD

Complaint narrative:
I am who i say i am a person and a consumer. XXXX XXXX himself and not a third party. After challenging the consumer reporting agencies regarding a few unauthorized inquires my concerns were not handled. i filled a few identify theft reports to assist with these unauthorized inquires.

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 2021-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
XX/XX/2012, I co signed a loan for around {$12000.00}. I was only XXXXyears old. I has absolutely no idea a lot responsibility. The last 9 years of my life has been a struggle for me financially and credit wise. I have been trying to restore and rebuild my credit. I have not had any contact with the owner of the car in 9 years. He refused to pay the loan off. I feel that i shouldnt have to suffer any more. Its been 9 years and I still have not been able to eatablish a good credit report. Navy federal keeps updating it which makes it worse for me. Im a single mother. Im asking for a deletion please. 


I also have a car loan that was opened around XX/XX/2012 for around {$10000.00}. Which has also been charged off for over 8 years. Again I was so young, I wish that I would have been more responsible to knowing these types of things. Both of these accounts have new charged off for years. 

I recently was added as an authorized user on my husbands navy federal credit card whom has nothing to do with my past history. Navy federal closed his accounts because of my old charge offs which was not fair to my husband at all because he has no knowledge

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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: VW Credit
State: TN

Complaint narrative:
Several months ago, I was going to go to a job interview to see that my XXXX  XXXX was wrongfully repossessed. I had called Volkswagen to have 2 payments differed due to the COVID-19 pandemic. I called Volkswagen because I knew something didnt make sense. They listened to old phone call records to hear where the representative at Volkswagen agreed to the differed payments but never notating the account. They returned my vehicle 2 days later. 
In XXXX of XXXX, I traded that vehicle in for a XXXX XXXX where the dealership paid the remaining balance on the loan. I called that dealership on XX/XX/XXXX to confirm and they did pay the loan and the vehicle is now registered to someone else. 
On XX/XX/XXXX I tried purchasing another vehicle to learn that there is a repossession on my credit report from Volkswagen when there shouldnt be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I opened CC in XX/XX/2021. I made my first payment XX/XX/2021 for {$340.00} and paid balance in full. Not yet receiving a bill, I hadnt considered actual billing cycle dates and assumed this took care of XXXX payment. I was admitted to hospital with COVID the last week of XX/XX/2021 and was not released until early XX/XX/2021. I called Capital One and made a {$400.00} payment on XX/XX/2021 and explained the situation. I requested to not have the XXXX and XXXX Past Dues reported to bureaus due to hospitalization and was told to write a request and send to main address. I never received a response but I immediately was notified the past dues got reported like the next day. I called and spoke with customer service and the next few days status was updated to current and the 90 day was removed. I submitted a dispute to get at least the 60 day removed and within a few days, they removed my Current status and the 90 day was returned and it was not showing my {$400.00} payment. I tried to dispute again, no change. Then they started reporting changes in balance almost on a daily basis. Yet my payment still wasnt showing. I called cust serv and said it is very clear they are doing everything possible to ruin my credit and I am going to file a complaint. She tried to give me an excuse of XXXX and XXXX overlapping and my payment getting missed. I said " but you have reported EVERY change to my balance to increase my usage %. These purchases were AFTER my payment, yet my payment still isnt showing and they actually changed my status from 60 Days ( before payment ) to Current ( after payment ) then back to 90 Days past Due after I submitted dispute. How is this legal? They dont report your payments for up to a month after made, but will report your purchases on a daily basis increasing your CC usage and causing a score decrease every single time?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-19 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: SC

Complaint narrative:
I started monitoring my credit a couple of months ago. I noticed some inconsistencies that I addressed with the bureaus, and after their investigation everything was stated to be reported accurate anyway. I submitted the inaccuracies with visual proof, which was ignored. The notice of dispute was not updated to show that an investigation was done, for 2 different reporting cycles now ( XXXX + XXXX ). As well as the years that they are reporting are completely different. My visual proof for that was also ignored and stated to accurate or verified. I received a letter this morning saying that they are simply not going to investigate it again, when it may have never been done. Not to mention they are still reporting inaccurate information after Ive drawn out the errors to easily see. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I got a loan from Bridgecrest the car was from XXXX XXXX in XX/XX/XXXX. Everything was going great until the pandemic hit. I was a month behind, but that was because I lost my job and the pandemic hit and could not get a job. Everything was locked down. Rewind, I started to get unemployment. I was paid my note I was no longer past due. Then a new set of issues arose. I worked for an app company that was just released in my small town. It was slow at first. I was no longer getting the pay I was getting before I didn't make my agreement but kept the company updated on my situation. On XX/XX/XXXX they came and repossessed my car. I was embarrassed. I was humiliated. I put a lot of money into the car. Technically the car was paid for they charged me a higher interest rate which. I was getting offers to pay lower rates. The car would have been paid for. But they have already sold the car. And they have reported on my credit report that I still owe them a balance. They also have been reporting through the pandemic which brought my credit score down. I worked hard to get my score up to XXXX within a year and within three months after the pandemic they reported on my credit and it is now XXXX and it was lower than that. I would like for them to take the negative marks off my credit and compensation for pain and suffering. I lost my job due to not being able to work because I lost my vehicle due to this companies insensitivity during this time.

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 2021-09-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: NM

Complaint narrative:
I was XXXX  and XXXX  for XXXX 1/2months. From XX/XX/XXXX to XXXX XXXX XXXX. 
While I was XXXX  Direct Express activated a new card with a fraudulent person and allowed them to empty my account that entire time. Transaction after transaction after transaction. I was not made aware of any of this into XX/XX/XXXX when i called to have a replacement card issued. It was then that i was told my account had been accessed the entire time i was away and I also had to go through XXXX to prove that i was the actual account holder and that I needed the other card closed and i disputed everything from XXXX XXXX to now. 
I have a policy that protects me from fraud and i reported it immediately and followed all instructions. I feel like Direct Express frauded me then and now by claiming no error was made. This is about XXXX. Dollars and all the money i had to my name. Im XXXX i have XXXX XXXX I'm very XXXX. More im XXXX  now. I have no money to rent a place nor to pay utilities. No transportation. Nothing. Direct express helped a criminal fraud me for five months and then snubbed their nose to me when I'm the account holder the victim. They ruined me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-19 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 — Was not notified of investigation status or results
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XXXX has violated several federal laws and are reporting inaccurate information on my credit report without being able to provide proper validation/verification of debt as required by law. On XX/XX/XXXX, I sent a Validation of Debt request under 611 ( 15 U.S.C. 1681 ) and asked for physical verification of the consumer contract under Section 609 ( a ) ( 1 ) ( A ). Please see attached XXXX did not respond within ( 30 days ) the time frames required by law, so I sent a No Response within 30 Days letter which was received by XXXX on XX/XX/XXXX. Please see attached On XX/XX/XXXX, I sent a third letter to XXXX requesting Validation of Debt under Section 609 ( a ) ( 1 ) ( A ) which specifically requires XXXX to prove the physical validation of a signed contract between myself and the alleged creditor. Please see attached. 
This is a complete violation of the law, and this is also hindering me from gaining proper housing. I do believe if XXXX could legally verify the account in question they would have sent proof by now. Since they have not and fail to remove the inaccurate account from my report they should be fined and held to the standard of the FDCPA. 
To date XX/XX/XXXX, I have yet to receive any investigation results. These are clear violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed a collection account that was added to my XXXX and Experian credit profile. This debt was added to my credit report without any knowledge. The debt collector never attempted to reach me by phone or mail

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 2021-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
On XXXX XXXX I received a notification from both XXXX and XXXX about a new collection from Pro-collect in the amount of {$5300.00}. I have no idea who the collection agency is and I was never contacted by this company in writing or over the phone in an attempt to collect this debt. I disputed this with XXXX and they have completed an investigation and are saying the debt has been verified, but did not provide any information as to how and why they came up with this result. I want to report XXXX for reporting and validating the derogatory hit to me credit and also to Pro-collect for reporting this before contacting by writing or over the phone

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 2021-09-19 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: NY

Complaint narrative:
My rights are continuously being violated under Title 15 USC section 1681 and USC section 1692 of the fair credit reporting act. Consumer has made multiple attempts disputing with Equifax that I am a victim of identity theft and do not recognize charges listed in my FTC identity theft report.I have filed complaints thru CFPB on XX/XX/2021, XX/XX/2021, and XX/XX/2021 and Equifax would provide NO proof of debt but claim debt was verified. The law ensure accuracy, fairness and privacy and all my rights under this statute are being violated. A Federal Lawsuit will be brought against Equifax for failure to comply with FCRA regulations if these items are not removed from my credit reporting file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
Some of my loans being held by XXXX were transferred to FedLoans in XX/XX/2017 ( I was not made aware this transfer was happening ). I had made a payment online early in XX/XX/2017 with the payment date set for later that month for loans already being held by Fedloans, but by the time the payment had posted my other loans had transferred, so the amounts we allocated incorrectly. It ended up showing all of my loans as not paid in full. I immediately spoke to someone at Fedloans and was told they would regenerate a bill the missing amount for that month for me to pay in full ( {$10.00} ) and the payment would be counted as it was a mistake made through them. A bill was never sent. I have continued to call and complain to get this fixed and have been given different information every time, including that they would just do an override and count the month toward PSLF and I did not need another bill to be generated. I want this resolved and the month counted as it should have been.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I have been affected badly with this constantly being reported to my credit. My financial obligations has been severely affected during covid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There is no means to freeze my credit with Experian. I was able to successfully freeze my credit on the other 2 bureaus. But Experian doesn't allow an option to freeze my account from within my already registered and verified account. It forces you to fill out a form here XXXX XXXX XXXX So I have re-entered the information ( which is less secure than a verified session after being logged in behind two-factor authentication ) But even filling out the form accurately it will return an error " We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. '' This is unethical practice to make security freezes near impossible to achieve to push their paid service which does the same thing called " 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 2021-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: CA

Complaint narrative:
this account was closed about 2 years ago returned equipment the person that helped me out said everything was good i asked for a receipt he said i did not need a receipt i will not pay I'm struggling financially i lost my wife to XXXX XXXX i am getting text messages & e-mails from these people i will not pay

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A collection account from XXXX was added to my Equifax and XXXX credit profile. But the investigation was updated to verified. I was never notified by this company in writing or by phone to dispute this charge.

Company response to consumer: Closed with explanation