vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Despite multiple attempts to address these inaccuracies and requests for thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and significantly hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, leaving me with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated.

Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 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: PR

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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. It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Several fraudulent charged off accounts are being reported on my credit report with a past due balances. Fraudulent accounts can not be reported with past due balances. I have reported these fraudulent items to the Federal Trade Commission.

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 2024-07-02 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: CA

Complaint narrative:
I reviewed my credit report profile and noticed some hard inquiries that do not belong to me.

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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my second notice about this fraudulent item that I have already reported to the Federal Trade Commission. This fraudulent item on my credit report is allowing unauthorized access to my 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 2024-07-02 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: IL

Complaint narrative:
I am writing to dispute the inaccurate information on my credit report. Despite previous attempts to resolve these issues, the inaccuracies persist. I am requesting an immediate investigation and correction. 

Despite submitting this comprehensive information, I have not seen any corrective action taken. These accounts continue to appear on my credit report, reflecting inaccurately and unfairly damaging my credit score.

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 2024-07-02 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: NJ

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and 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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion, XXXX have a collection agency for XXXX XXXXXXXX XXXX XXXXXXXX Original balance {$150.00} Status Unpaid Account number XXXX Agency number XXXX Original creditor XXXX XXXXXXXX XXXX Date assigned XX/XX/year> This is not my bill will left the apartment during Covid and received housing and utilitilty relief. XXXX XXXX XXXX XXXX XXXX XXXX, IL

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 2024-07-02 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: DISCOVER BANK
State: SC

Complaint narrative:
I would like for Discover Bank to stop sharing my nonpublic personal information with nonaffiliated third parties, including the consumer reporting agencies : XXXX, XXXX, and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 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: OH

Complaint narrative:
I am writing to formally dispute unauthorized inquiries that have appeared on my credit report. Please investigate and remove the following inquiries promptly : Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my credit score negatively.

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 2024-07-02 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: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
Upon examining my credit report, I identified an unfamiliar account ( Collection Service of Athens XXXX ) I promptly contacted the creditor listed on my consumer report and sent a debt validation letter specific for this account. Regrettably, Collection Service of Athens has neglected to respond to my letter that was received on XX/XX/2024. Furthermore I sent a second attempt letter which was received on XX/XX/2024 and they still refuse to respond. They have failed to respond within the 30 days per the FCRA. Clearly this company lacks the substantial evidence required to link me to this debt. This constitutes a breach of my rights, and it is imperative that this account be promptly removed.

Company response to consumer: Untimely response
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to dispute the inaccurate information on my credit report. Despite previous attempts to resolve these issues, the inaccuracies persist. I am requesting an immediate investigation and correction. 

Despite submitting this comprehensive information, I have not seen any corrective action taken. These accounts continue to appear on my credit report, reflecting inaccurately and unfairly damaging my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 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: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I Saw 14 credit inquiry on my credit profile and I reported it to XXXX, XXXX and transition. the company 's told me to report it to FTC and return the report to them for verification to enable them take it off my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XXXX both account with navy federal were open one personal loan one car loan both charged off than picked up by XXXX XXXX XXXX i made polce reports also sent mail and went online called them many times

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I requested this to be removed from my credit report 4 years ago this is not my debt and I want it removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: SC

Complaint narrative:
I have opted out with the original creditor and requested that my nonpublic personal information stop being shared. reference XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I already filled a complain to this company and your company closed the complain after XXXX response was " We take very serious every complain and when we bought this loan we were informed that the loan was paid one month behind '' they only gave you lip services and no proof. XXXX has send me a computer paper generated by their employees with wrong dates and amounts. I had sent several times the XXXX XXXX XXXXXXXX statement with the correct dates and the amounts the bank is monthly paying this loan. As you can see all they are been paid on time and never partial payments. XXXX is stealing my money by only applying {$68.00} to the principal instead of the {$220.00} they supposed to apply and adding late fees to that. this will sooner or later will increase the amount of the loan making this a fraudulent practices to enrich their pockets from customers like XXXX XXXX used to do before being caught.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have been contacted by the collection agency that is not authorize to collect a debt in the state of florida.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to formally dispute unauthorized inquiries that have appeared on my credit report. Please investigate and remove the following inquiries promptly : Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my credit score negatively.

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 2024-07-02 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: AL

Complaint narrative:
I recently received a copy of my Credit Report and I have never done business with this company nor have I ever received any USPS mail inquiries from this company.

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 2024-07-02 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute unauthorized inquiries that have appeared on my credit report. Please investigate and remove the following inquiries promptly : Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my credit score negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Army and Air Force Exchange Service
State: WI

Complaint narrative:
AAFES had a hard inquiry on my credit report on XX/XX/year>. I did not open this account. I noticed the inquiry and immediately called AAFES. They said this account was for a Military Star card. They said the account had already been closed. 

I would like to have this inquiry and account removed 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 2024-07-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I Have called the company many times requesting a debt validation letter and the stated they would try to work with me to fix the debt but kept saying they would have to send me to different areas of the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I received notification that National Credit Systems was given a debt owed to an old residence in XXXX. I contacted an representative and made a hardship payment arrangement for {$150.00} that would last for XXXX months, at which point we would revisit to see if I could pay more. My XXXX payment was deducted without issue. Unfortunately, my XXXX payment was rejected by my bank. National Credit Systems received notification of this on XX/XX/XXXX. 

On XX/XX/XXXX, I received notification from my bank that payment was declined. XXXX XX/XX/XXXX, I received notification from XXXX that the debt had been reported to my credit. At no point in between did anyone from National Credit Services contact me, by phone, email or regularmail. I called National Credit on XXXX and tried to speak to my original representative, who actually hung up on me. I spoke to XXXX supervisors, both of whom declined to assist me. 

A creditor is required to either speak to a debtor in person, reach a debtor by phone, mail a letter and wait a reasonable amount of time incase the mail is undeliverable, or send electronic communication indicating the issue before proceeding. None of this happened, despite the fact that I have received phone, email and mail communication from NCS before. I have been told by XXXX of the supervisors that a letter WAS mailed, but on XX/XX/XXXX. I have yet to receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Despite multiple attempts to address these inaccuracies and requests for thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and significantly hindering my ability to live a normal life.

The negative effects of these inaccuracies have caused immense hardships for me, leaving me with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay.

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and 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 2024-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX my father and I went to XXXX XXXX ( auto dealer ) to purchase a vehicle as " pre-approved '' with me as the purchaser and my father as a co-signer. I submitted pay stubs, bank account information, ID, etc. We were given the options of vehicles in our approved price range. We picked a vehicle, gave a {$500.00} cash down payment along with my personal vehicle as trade in. When it came time to sign the paperwork I was told that I would not be on the loan initially but would be added to the loan after 30 days. After XX/XX/XXXX I called One Main Financial to be added to the loan. I was told that I was not able to do this, that I was not on the loan or vehicle registration. Yet, payments are deducted from my bank account and I hold the full coverage insurance on my policy. The vehicle has had issues since the second day of owning the vehicle. The power train warranty did not cover any of the issues that came up due to certain aspects of the vehicle being worn. The XXXX report provided was inaccurate and repairs have totaled the thousands in the last 13 months. The vehicle has been maintained with repairs and regular maintenance ( I have all records ) the vehicles engine has blown despite all the work and troubleshooting thus far. Looking back at loan documents, we were not provided copy of the financial application. After many phone calls with One Main it has come to our attention that XXXX XXXX falsified the loan application citing my income for my father 's as well as my father 's insurance and his ID only and gave no credit for the vehicle I traded in. The contract is not valid. This dealer and finance company ran a scheme on my elderly father, had him sign under durrest and under the impression that he would not be solely liable for the balance. We need help with this predatory lending and want recourse for all payments and repairs and hardships made to date. The vehicle is currently XXXX valued at under XXXX, the loan balance is over XXXX, payment is XXXX a month with 21.15 % financing and a new engine is between XXXX. After asking for help with the vehicles cost - XXXX XXXX only offered for us to refinance and ask for more money to fix the vehicle. Thus, replacing the invalid contract with a valid contract and covering up their scheme. They have my father 's income listed at over XXXX a month when in reality it is XXXX a month. One Main refuses to help even though they've acknowledged that the information provided by dealer was false and redirect me to dealer and say it's valid because my father signed the contract. Attaching contract that has no mention of XXXX jeep commander traded in, proof of the insurance I hold, proof payments for monthly payment and registration are paid by me and false XXXX reports where we just noticed pages are cut off at random areas of report.

Company response to consumer: Closed with explanation