vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX You are in a direct violation of the Fair Credit reporting act Nordstrom Visa Account number : XXXX XXXX XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, The reporting of the Account listed as : XXXX XXXX on my XXXX and Transunion Credit report has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 USC 6801 states that Credit Reporting Agencies have an obligation to protect non public personal information 15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions the FCRA states that companies are obligated to maintain accuracy of all items reported.

The information in this account are not only constitutes " non public in personal information '' and they have been reported INACCURATELY. Multiple details including the balance amount as well as the date of the account openings are reported differently on the XXXX report and the Transunion report. XXXX does not even have a record of this account existing at all. 

The reporting of this information has damaged my ability to acquire funding and has greatly impacted my mode of living. 

The reporting of this information without my expressed written consent constitutes a violation of 15 U.S.C 1681 section 602.

I also never received any communications or disclosures informing me of by ability to opt out of these reports. 15 U.S.C. 6802 B states that reporting company is required to send me the aforementioned communications ; The lack thereof constitutes a violation of the FCRA.

I have communicated in writing several times with company and they have failed to comply with my written instructions, as well as failed to provided details of the results and methods of investigation in an investigative report as required by 15 U.S.C 1681 ( b ) Disclosure on request of nature and scope of investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Army and Air Force Exchange Service
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, The reporting of the Account listed as : MILITARYSTAR  XXXX on my XXXX and XXXX Credit report has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 USC 6801 states that Credit Reporting Agencies have an obligation to protect non public personal information 15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions the FCRA states that companies are obligated to maintain accuracy of all items reported.

The information in this account are not only constitutes " non public in personal information '' and they have been reported INACCURATELY. Multiple details including the balance amount as well as the date of the account openings are reported differently on the XXXX report and the XXXX report. XXXX does not even have a record of this account existing at all. 

The reporting of this information has damaged my ability to acquire funding and has greatly impacted my mode of living.

The reporting of this information without my expressed written consent constitutes a violation of 15 U.S.C 1681 section 602.

I also never received any communications or disclosures informing me of by ability to opt out of these reports. 15 U.S.C. 6802 B states that reporting company is required to send me the aforementioned communications ; The lack thereof constitutes a violation of the FCRA.

I have communicated in writing several times with company and they have failed to comply with my written instructions, as well as failed to provided details of the results and methods of investigation in an investigative report as required by 15 U.S.C 1681 ( b ) Disclosure on request of nature and scope of investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 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: EQUIFAX, INC.
State: CT

Complaint narrative:
Incorrect reporting to my credit report. ive been waiting months for a response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
Hello - This is following up with another complaint about complaint XXXX filed on XX/XX/XXXX. Navy Federal Credit Union did not respond to let me, or the CFPB, know when they allegedly told me I owed them {$12.00}. I never received an email. I never got a text. I did not receive a phone call. I was never sent a piece of physical mail. It is the law that Navy Federal must contact someone if they claim they owe money. I was never contacted. All of my documentation - 20+ pages - of records of phone calls, mail scanning, etc is all attached to the first complaint. Navy Federal never told me I allegedly owed them XXXX and so they reported it to the credit bureaus and ruined my credit. Now I can not buy a house. 

See the complaint response from Navy Federal below. I called them yet again today ( XX/XX/XXXX ) at XXXX ( XXXX ) and was eventually transferred to a supervisor. After telling him of my problem and how I've never been told when Navy Federal let me know of this XXXX I owed, nor did they address it in the CFPB complaint, he hung up on me. So it seems you definitely can not contact that XXXX number at anytime as no one was able to assist me and when I got someone on the phone, he hung up. 

THE ORIGINAL COMPLAINT RESPONSE FROM NAVY FEDERAL BELOW. NOTE THEY NEVER SAY WHEN THEY LET THE CUSTOMER KNOW OF AN ALLEGED XXXX DUE. THAT'S BECAUSE THEY NEVER LET THE CUSTOMER KNOW BEFORE REPORTING THE XXXX TO THE CREDIT BUREAUS AND RUINING HER CREDIT SCORE The following references the complaint we received on XXXX XX/XX/XXXX from the Consumer Financial Protection Bureau on behalf of Navy FederaXXXX member XXXX XXXX XXXX. The complaint was assigned a case number of XXXX. Navy Federal has reviewed XXXX XXXX concerns. Our records show that on XXXX XX/XX/XXXX, our member made a payment in the amount of {$3900.00} to her credit card account ending in XXXX. Our members credit card statement issued on XXXX XX/XX/XXXX indicated a balance of {$12.00} due by XXXX XX/XX/XXXX, and the payment was not satisfied until XXXX XX/XX/XXXX. The account is closed and has been paid in full. We have confirmed that we are reporting accurate information to the four nationwide credit reporting agencies regarding XXXX XXXX Navy Federal credit card account. We will not request the removal of valid data from her credit file. Should XXXX XXXX have any questions, she may contact us toll-free anytime at XXXX ( XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In XX/XX/XXXX I requested a verification of all the information on my Credit Report to determine if information across all three credit bureaus was 100 % correct and accurate. Each credit reporting agency responded back in writing stating all information was verified and validated. So 30 days later I ran my credit report, and the same information was still not 100 % accurate across all three credit reporting agencies. Fast forward, so now in XX/XX/XXXX I submitted a complaint through the CFPB to all credit reporting agencies, and again each responded stating information was verified and accurate which was false and still is false. Per the law, I am in my legal rights to seek civil damages since the time granted to resolve this issue has past. I am disputing the accuracy and validity of listed account : XXXX Funding XXXX I have attached a Credit Report from XX/XX/XXXX and XX/XX/XXXX referencing the account above from all three credit report agencies, clearly account ( XXXX XXXX XXXX ) is not 100 % accurate across all credit reporting agencies, it was not then and it isn't now. Help in resolving this issue will be 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 2023-05-31 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Hello, On XX/XX/2023 I sent in a notice for validation of debts to SANTANDER CONSUMER USA. ( All proofs of mailed delivery signed certified mail is included in the documents section of this complaint. ) It has now been 60+ days since that initial letters delivery, they DID NOT provide me with the required information under 12 cfr 1006.34 to validate that I owe any debt. I gave SANTANDER CONSUMER USA an opportunity to cure. They have not responded and they are furnishing my information to the major consumer reporting agencies. 

I'm writing to you to document their default in proving I owe any allegate debt and I am seeking remedy. 

I've attached proof of violations, an invoice, and the specified remedy I am seeking in the documents section below. 

If they do not respond promptly I will have no choice but to file suit. 

Thank you, all information from all presentments from XX/XX/XXXX to today is attached below. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: FISERV FINXACT CORE
State: MN

Complaint narrative:
Always " in progress '' never an actual answer. Why doesn't Fiserv answer with the information needed? I'm thinking this is some kind of scam or fraud. Third time on CFPB. Despite requesting correspondence through the mail only over XXXX weeks ago due to the failure of your staff in telephone communications ; Fiserv chose to leave an unaidable voice mail on XX/XX/2023. Are these phone calls coming from outside of the country? Only a week later I get on the same day a letter from Fiserv saying that my information has been sent to a debt collector and a letter from the debt collector. Not once did Fiserv provide an address to send the bill to ; only a phone number to call which never gets anywhere. Fiserv 's staff could not locate any information about this case over their phone system ; therefore, a bill could not be paid. Now they have sent it to a bill collector because they are incapable of timely mail correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX this is on my credit report for XXXX this is not my account reporting on XX/XX/2023 Hunter Warfield inc this is not on my credit report for XXXX this is not my account reporting XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: Experian Information Solutions Inc.
State: TX

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. 

I told Experian, to reinvestigate these accounts : XXXX  Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX Account XXXX : XXXX, XXXX Account # : XXXX, XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX  Account # : XXXXXXXX XXXX XXXX Account # : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 seven 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: CO

Complaint narrative:
Debt Collector : The CBE Group Inc CBE Group is attempting to collect a debt that is not mine and which I do not owe. This debt collector has not provided any proof, evidence, documentation or information that would prove that this debt is mine and I believe they are fabricating these claims to collect money is not owed. They indicate they are collecting on behalf of XXXX XXXX but XXXX have never had an account or relationship with them. 

I request the CFPB investigate this debt collector as they fabricate debt to deceive people into paying money is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Report Number XXXX XXXX XXXX XXXX There is an account from XXXX XXXX XXXX on my credit report. I have continuously tried to dispute this account with Experian. Each time they continue to verify the account and keep it on my credit report. I have spoken with XXXX XXXX XXXX a number of times and they are not able to find an account for me. It is hard to fix this, because Experian is able to verify an account that I am not able to verify with the original creditor. 

When I call XXXX XXXX XXXX and give them the account number, they inform me they are not able to find my information on the account that Experian is reporting. Most notably, the Social Security Number is different, along with the address. 

My credit file has in the past become confused with somebody else. Experian needs to fix this.

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