vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
On or around XX/XX/year>, I applied for an auto loan with Navy Federal Credit Union. On XX/XX/year>, XXXX XXXX sent me an Adverse Action Notice ( attached to this complaint ) stating : " Thank you for the recent request for credit. After careful review and consideration, we are unable to approve your request for the following reasons : YOU CAUSED XXXX XXXX A LOSS. '' The Adverse Action Notice did not provide sufficient detail to enable me to understand the basis of the decision as required under 12 CFR 1002.9 ( a ) ( 2 ). Seeking clarification, I sent a letter for reconsideration and a request for clarification of the Adverse Action Notice and lending practices to the address provided by Navy Federal Credit Union. The letter was delivered on XX/XX/year>, and received by XXXX XXXX on XX/XX/year>. 

On XX/XX/year>, I called the number provided on the Adverse Action Notice to check the status of my request. During this call, a XXXX XXXX representative misled me into filling out what was described as a " Pre-Approval Application. '' I was told that my reconsideration request was under review and that completing the pre-approval application was part of their " Appeal Process. '' The representative stated that submitting this application was necessary to proceed with the reconsideration of my loan. 

Relying on this information, I submitted what I believed to be a pre-approval application in the amount of {$38000.00} for an auto loan. However, I later discovered that XXXX XXXX had processed it as a new credit application, leading to a hard inquiry on my consumer credit report. That very same day on XX/XX/year>, I received another Adverse Action Notice via email ( attached to this complaint ) stating : " Based on an internal review and/or information obtained from your credit report, you don't meet our lending criteria for approval. '' This action was both misleading and deceptive, as I had been assured that the application was part of the reconsideration process, not a new credit application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing in response to a communication I received regarding the alleged debt that is claimed to be owed by me. Please be advised that I am requesting verification and validation of this debt as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
I request that you provide the following : The amount of the debt : Please provide a detailed statement showing the amount owed, including any interest, fees, or other charges that have been applied. 
The name of the original creditor : Please identify the original creditor to whom the debt was owed and provide the details of the debt 's origin. 
Proof of assignment : Since you are claiming to be the creditor or collector of this debt, I require a copy of the original assignment contract or any other legal document that proves you have the legal right to collect this debt. 
Complete payment history : Please provide an itemized statement of all transactions, payments, and adjustments made on this account, including the dates and amounts. 
Evidence of the debt : Please provide any documentation that shows I am legally obligated to repay this debt, such as a signed agreement or contract. 
If you are unable to provide the requested validation, please consider this debt disputed, and cease all collection activities related to this account until you can prove its validity. Additionally, please refrain from reporting this debt to any credit reporting agencies until proper validation is provided. 
Please provide the requested documentation within 30 days of your receipt of this letter. If I do not receive the requested validation within this time frame, I will assume the debt is invalid, and I will consider the matter closed. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE. I kindly request the prompt removal of the unauthorized accounts from my credit report. I did not open or authorize these accounts, and their origins are unknown to me. In compliance with USC 1681g, I am formally requesting their removal within XXXX  days. Relevant documents are enclosed for your review and reference.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Complaint Against Equifax for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/2022 Amount : XXXX I previously submitted a dispute to Equifax regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the accuracies and requesting its removal from my credit report, Equifax failed to conduct a thorough investigation and the disputed account remains on my credit report. 
As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Equifax failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Equifax for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Equifax upholds its obligations under the law. 

To soport this claim, I have enclosed the following documents : XXXX : copies of previous credit report showing Discrepancies inacury information XXXX : Dispute letter sent to Equifax Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Complaint Against Equifax for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : XXXX I previously submitted a dispute to Equifax regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the accuracies and requesting its removal from my credit report, Equifax failed to conduct a thorough investigation and the disputed account remains on my credit report. 
As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Equifax failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Equifax for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Equifax upholds its obligations under the law. 

To soport this claim, I have enclosed the following documents : XXXX : copies of previous credit report showing Discrepancies inacury information XXXX : Dispute letter sent to Equifax Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: CA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Late Payment XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$0.00}

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Credit Bureaus in Question XXXX. Experian XXXX. XXXX Detailed Complaint Background of Dispute I am writing to file a formal complaint against Experian and XXXX for persistent violations of the Fair Credit Reporting Act ( FCRA ), specifically : - Failure to ensure maximum possible accuracy of credit report information ( 15 U.S.C. 1681e ( b ) ) - Refusal to conduct a reasonable reinvestigation of disputed information ( 15 U.S.C. 1681i ( a ) ) - Non-compliance with dispute resolution requirements ( 15 U.S.C. 1681i ( c ) ) Chronology of Dispute Attempts nitial Dispute - Date of Initial Dispute : XX/XX/year> - Method : Certified Mail - Supporting Documents Provided : * State-issued ID * Social Security Card * Proof of Address Follow-up Correspondence - XX/XX/year> : Experian refuses to act on dispute, claiming the dispute was not initiated by me- XX/XX/year> : Follow-up dispute sent - XX/XX/year> : Comprehensive dispute letter resubmitted with all identification documents- XX/XX/year> : Experian again refuses to address the dispute Specific Errors Requiring Immediate Correction XXXX. XXXX Missed Payments Incorrectly Reported - Account Status : Closed - Current Reporting : Inaccurately showing late payments - Impact : Severe damage to credit score Requested Actions XXXX. Immediate removal of all inaccurate late payment entries XXXX. Complete investigation of disputed items XXXX. Correction of all erroneous credit report information XXXX. Provision of a detailed written explanation of investigation results Supporting Evidence - Copies of all dispute letters- Identification documents- Correspondence from credit bureaus Legal Basis for Complaint This complaint is filed under the Fair Credit Reporting Act ( FCRA ), specifically : - 15 U.S.C. 1681e ( b ) : Requirement for maximum possible accuracy - 15 U.S.C. 1681i ( a ) : Duty to conduct reasonable investigations- 15 U.S.C. 1681i ( c ) : Requirement to note disputes in future reports Relief Sought XXXX. Complete removal of disputed and unverifiable entries XXXX. Correction of credit report to reflect accurate information XXXX. Potential damages for willful non-compliance

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 2024-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: United PanAm Financial Corp.
State: NJ

Complaint narrative:
I requested a validation of the from united auto credit and they failed to provide validation for the alleged debt they were trying to collect I told them I was not disputing the debt and that I was willing to pay once they validate the debt but they failed to do and went ahead and illegally repo my van I have notified them ahead of time letting them know it was illegal for them to repo my van under 15 usc 1692f they violated the contract as it was within my rights to ask for a debt validation which they never provided and they went ahead and repo my van with all the packages from my job for which now I am responsible this is illegal this cant keep happening the law is the law if they cant validate the debt they have no right to collect it until that can clearly validate the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 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: TN

Complaint narrative:
I have completely paid off creditor ( XXXX XXXX ) account it is not showing updated as a paid off account on both my XXXX and Equifax report. It need to be updated as such on both. 

Also there is an account creditor name ( XXXX XXXX ) that was paid off as well still not updated as such on my Equifax. Please update my credit reports in regard to these XXXX accounts as paid off/closed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: MD

Complaint narrative:
All credit agencies have incorrect and inaccurate information

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 2024-11-26 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: MD

Complaint narrative:
All credit agencies have incorrect and inaccurate information

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
these are fraud accounts on my credit report not 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 non-monetary relief
Consumer complaint received 2024-11-26 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: CA

Complaint narrative:
these are fraud accounts on my credit report not me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Dear Sir/Madam, I am writing to dispute inaccurate personal information that is being reported on my credit report by your agency. Upon reviewing my credit report, I have identified discrepancies in the personal information section that require immediate attention and correction. 
The inaccurate information is as follows : [ Describe the inaccurate personal information, such as incorrect name, address, date of birth, social security number, etc. ] Address update XXXX XXXX  XXXX XXXX XXXX  XXXX, CO XXXX Number update - ( XXXX ) I hereby request that you investigate and correct the inaccuracies in my personal information as soon as possible. It is imperative that the information on my credit report is accurate and up-to-date to ensure fair and accurate assessment of my creditworthiness. 
Please provide written confirmation once the necessary corrections have been made to my personal information. Additionally, I request that you provide me with a copy of the updated credit report reflecting the corrected information. 
I appreciate your prompt attention to this matter and look forward to your timely response. Thank you for your cooperation in resolving this dispute.

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 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Dear Sir/Madam, I am writing to dispute inaccurate personal information that is being reported on my credit report by your agency. Upon reviewing my credit report, I have identified discrepancies in the personal information section that require immediate attention and correction. 
The inaccurate information is as follows : [ Describe the inaccurate personal information, such as incorrect name, address, date of birth, social security number, etc. ] Address update XXXX XXXX  XXXX XXXX XXXX XXXX, CO XXXX Number update - ( XXXX ) I hereby request that you investigate and correct the inaccuracies in my personal information as soon as possible. It is imperative that the information on my credit report is accurate and up-to-date to ensure fair and accurate assessment of my creditworthiness. 
Please provide written confirmation once the necessary corrections have been made to my personal information. Additionally, I request that you provide me with a copy of the updated credit report reflecting the corrected information. 
I appreciate your prompt attention to this matter and look forward to your timely response. Thank you for your cooperation in resolving this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
RE : Requesting you Block and Remove Fraud from My Consumer Report I am writing to inform you of a serious situation involving the compromise of my Social Security number, which has led to both an XXXX data breach and identity theft. I have already reported this to the Federal Trade Commission and filed a report, which is referenced as FTC report number ( XXXX ) and included with this letter. 
In accordance with 15 USC 1681c-2 ( c ) ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information related to this identity theft from my credit report.. This statute requires credit reporting agencies to address such requests promptly, within four business days of receiving a complaint containing the following information : See FTC report in attachment I want to underscore the gravity of this issue and my expectation for a swift and effective resolution. Should your response be inadequate, I will be forced to pursue legal action against your agency, as allowed by law. Please be aware that I will seek damages, including statutory costs, with each violation carrying a statutory fee of {$1000.00}, as specified in 15 USC. 
These violations include : -Defamation of Character - Negligent Enhancement of Identity Fraud - Violations of the Fair Credit Reporting Act - Non-compliance with 15 U.S. Code 1681o ( Civil liability for negligent non-complian ce ) - Non-compliance with 15 U.S. Code 1681n ( b ) ( Civil liability for willful non-compliance ) -Failing to comply with 15 USC 1692 ( g ) - Violations of 15 U.S. Code 1681b ( Permissible purposes of consumer reports ) - Non-compliance with 15 U.S.C. 1681i ( 7 ) ( Method of verification ) - Violations of 15 USC 1681a ( 4 ) ( Right to privacy ) -Violations of 15 U.S. Code 1681c ( Requirements relating to information contained in consumer reports ) I am treating this matter with the utmost seriousness and request that you promptly block and remove the fraudulent account from my credit report. 
I have already provided all necessary information to facilitate this process. Please confirm receipt of this letter and provide a timeline for resolving this issue. Your prompt attention to this matter is greatly appreciated.

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 2024-11-26 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: NY

Complaint narrative:
transuion is allowing Inaccurate reporting on my credit report, especially when it involves unverifiable or fraudulent accounts, constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). According to 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain maximum possible accuracy in their reports. Failing to do so can lead to fraudulent actions, as consumers are misled into believing they owe debts that are incorrect or not substantiated. This situation, when combined with a supporting FTC Identity Theft Report, necessitates the immediate removal of fraudulent or inaccurate information. Non-compliance within the statutory timeframe ( 4 business days under 15 U.S.C. 1681c-2 ) could result in legal action seeking statutory damages, punitive damages, and attorney fees. 

attached are : ftc report credit report letter

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