vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-24 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: PA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I am disputing the account with SUNCOAST CU, account number XXXX, opened on XX/XX/2022, with a balance of {$0.00}. It has come to my attention that someone has fraudulently applied to attend school using my personal information, despite the fact that I have never been enrolled in any educational institution. Despite my attempts to resolve this matter by contacting SUNCOAST CU, I have not received any resolution. I want to emphasize that this account is unverified and does not belong to me. I demand an immediate investigation into this fraudulent activity and urge SUNCOAST CU to cease any further actions related to this account. I expect a prompt response and the removal of this erroneous information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: BSI Financial Holdings, Inc.
State: ID

Complaint narrative:
Status of change with employment, reached out to the mortgage company to request a deferment. This was submitted 7months ago, I have not been keep in the look or given any new information about what the process is looking like. Every attempt to email my rep directly comes without a response. So now Im selling my house as to avoid a foreclosure on my name. The only information I get is when I call them directly and I just get the same - we are behind, you wont lose your house, everything is on hold, etc however everything is not on hold as they are reporting to my credit. And they did tell me that they would fix that at the end of everything. I have never been in a situation like this before so Im not sure what to do other than sell my home before they respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Rosebud Economic Development Corporation
State: TX

Complaint narrative:
I received several calls from XXXX to my work phone number asking about my application for a loan. I have never applied for a loan with this company and have never given my work phone number as a contact number for me. 

They said I applied for a loan and I tried to get the lady on the phone to give me the account information. She said the email address used was XXXX and the address they had for me was over XXXX XXXX XXXX. 

That email address was used years ago to steal my ID and open other loans in my name and has been mentioned in several other CFPB and Attorney General complaints. 

It has come up again because I have a stalker that uses loan applications to attempt to harass me and they have previously used that email address to fake emails from me. They found that address on a cheap background check website it shows up on because it showed up on my credit report for a few months years ago. 

To be clear. It is not me, I have never used the address XXXX The stalkers names are XXXX XXXX and XXXX XXXX of XXXX XXXX, Tx XXXX XXXX and XXXX XXXX of XXXX, TX They hired a fly by night detective agency that I believe is behind the stalking, they are named 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 explanation
Consumer complaint received 2024-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 2024-04-24 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: NJ

Complaint narrative:
I recently checked my credit report and found an error in XXXX of my accounts ' payment history. The report shows XXXX late payments, even though I actually paid on time. It's crucial that consumer reporting agencies provide accurate information, and this account has never been late. I've attached a copy of my credit report to illustrate the incorrect information, along with the specific dates : XX/XX/year> AND XX/XX/year>. The account number is ( XXXX ) I'm requesting that you update these records to reflect that the payments were made on time. Additionally, I'd like to point out that it's not possible to go from 0 days late to 120 days late without a prior progression. Thank you for addressing this issue promptly.

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 2024-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
I sent a validation letter XX/XX/year>. 

National Credit Adjusters LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir/Madam, Subject : Dispute Regarding Account Verification for Speedy Cash I am writing in response to your recent letter dated XX/XX/year>, regarding the verification of the account referenced to Speedy Cash. I appreciate your prompt attention to my request ; however, after reviewing the enclosed documentation, I am still unable to recognize or validate this account as belonging to me. 

While your letter confirms receipt of my validation request and states that documentation has been provided, it does not sufficiently address my inquiry regarding the purpose of the loan in question or provide concrete evidence linking me to this account. I remain unaware of any association with XXXX XXXX, and the documentation provided does not establish my ownership or authorization of the account. 

I understand that the documents provided may reflect a balance, but without clarity on the origin of the charges and any supporting evidence linking me to this account, I must continue to dispute its validity. I reiterate that I have no knowledge of this account and therefore request that it be removed from my credit report as soon as possible. 

In accordance with the Fair Credit Reporting Act, I am entitled to accurate and verifiable information on my credit report. As such, I kindly request that you conduct a thorough investigation into the validity of this account and provide any additional evidence or documentation supporting your claim. 

Additionally, I appreciate your acknowledgement of my dispute and request that consumer reporting agencies report this account as disputed. Please ensure that this dispute status is accurately reflected on my credit report during the investigation process. 

I trust that you will handle this matter with the utmost professionalism and diligence. Should you require any further information from me, please do not hesitate to contact me at XXXX or XXXX Thank you for your attention to this matter. 

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: FL

Complaint narrative:
This was put on my Credit Report on XXXXas a Charge Off. I received a letter stating that I have no further obligations regarding this account on XX/XX/2023 and still since then until now it has still been reporting on all XXXX of my Credit Reports. Why is they still reporting it if it doesnt belong to me or if it shouldnt be on 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 2024-04-24 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: PA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX  days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

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 2024-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the validity of the collection account listed on my credit report. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt as per 15 USC 1692g ( a ) ( 1 ) and 15 USC 1692g ( a ) ( 2 ).

Please provide the following information regarding this account : Account # XXXX Date Opened XX/XX/2020 XXXX Owed {$5900.00} 1. The name of the original creditor associated with this account.

2. The amount of the alleged debt and a breakdown of how this amount was calculated.

I am specifically requesting validation of the amount of the alleged debt, in accordance with 15 USC 1692g ( a ) ( 1 ). Additionally, I demand that you provide me with the name of the creditor associated with this account, as required by 15 USC 1692g ( a ) ( 2 ).

The information currently reported on my credit file lacks sufficient detail to verify the accuracy and legitimacy of this debt. Therefore, it is imperative that you provide the requested documentation to validate the debt. 

Please note that failure to validate this debt within the timeframe prescribed by law will result in further action being taken to protect my rights under the FDCPA, including but not limited to disputing the accuracy of this item with the credit reporting agencies and seeking legal counsel. 

I expect a prompt response to this dispute within 30 days from the date of this letter. Your cooperation in resolving 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 2024-04-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AUSSRQ Holdings, LLC
State: OH

Complaint narrative:
OLIPHANT USA LLC Last reported XXXX XXXX, XXXX XX/XX/XXXX ( XXXX mos ) Placed for collection Original creditor name XXXX XXXX XXXX XXXX My identity was stolen, and my personal information has been compromised. I have asked these people to remove this from my credit report. I have told them I'm not the owner of this debt. I asked them to provide me with any details or my signature, and the man said no, I just needed to pay. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
On XX/XX/XXXX I got a card guard notification for four charges made to my XXXX, one of which was from XXXX XXXX  in California. When I clicked on the notification, I noticed the charges were fraudulent. I immediately called the bank to report the charges, open a dispute, and turn my XXXX  off to prevent future spending. 

On XX/XX/XXXX, I got a letter from my bank saying that the XXXX XXXX  dispute was not approved and that I would be charged {$190.00}. I immediately called the bank to appeal their decision. They were unwilling to change their decision because XXXX XXXX  sent them proof I was the one who made the ticket purchase. The proof included a printout showing the tickets were redeemed on XX/XX/XXXX. I politely disagreed with the bank 's decision because I did not make the purchase nor use the tickets. I was told I could email any information I had to their XXXX  dispute department. 

On XX/XX/XXXX I went onto XXXX XXXX  ' website and found information saying that ONLY the purchaser of the tickets could redeem them and that the tickets were not transferrable/shareable. I immediately emailed my bank with proof that I was not in California on XX/XX/XXXX. If I were truly the one who purchase the tickets, how could they have been used if I wasn't in California that day?! 

I called the bank on XX/XX/XXXX to make sure they got my email. I was told they did and that they were not changing their decision as the information I sent them wasn't anything new. It was new as they didn't have proof I was not in California the day the tickets were used. I mentioned this to them and all they kept saying was that the information wasn't new and they couldn't help me. I was told my only option was to contact XXXX XXXX  and argue with them. 

I have been a loyal customer of my bank for XXXX  years and am extremely disappointed with the lack of help I have received. I made a good case for myself, combined with the fact there were three other fraudulent charges made on the same day, that were refunded to me. I am seriously considering moving my accounts to another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: NC

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: CA

Complaint narrative:
I believe that my information is being misused and reported as inaccurate and I am refiling this complaint to EXPERIAN. In my credit report from XX/XX/year>, I still found these derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an 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 2024-04-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: NAVY FEDERAL CREDIT UNION
State: MN

Complaint narrative:
I am a member of the Financial Institution Navy Federal Credit Union, and according to them someone or somehow of unknown forces has infiltrated my bank account loosing my debit card privileges for XXXX  year. effective XXXX XX/XX/year>. This company thinks I arbitrarily allowed other companies that I associate with that I allowed the cybercriminals access to my bank account, which I did not do, thus because of several incidents with this company I allowed to have this done. I do not and I repeat I do not give out any information about me, nor do I provide these criminals my social security number and any other pertinent information about me or my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
Before moving out of the country, I went to the XXXX  store and paid my account in full, closed the account, unlocked my phone to use overseas and even bought a new phone and had it unlocked immediately, now they are saying i owe them {$340.00}. They would not have unlocked my phones unless the account was paid! 

now they have Southwest Credit reporting a collections, but southwest credit does not have my account but they are still defaming my charecter!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 non-monetary relief
Consumer complaint received 2024-04-24 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: TX

Complaint narrative:
I am writing to formally dispute certain items on my credit report maintained by your agency, as I have discovered inaccuracies that violate the Fair Credit Reporting Act ( FCRA ). I request a thorough investigation and prompt resolution of the following discrepancies : Inaccurate Reporting : Upon reviewing my credit report, I have identified several entries that contain inaccurate information. These inaccuracies undermine the integrity of my credit profile and adversely affect my financial standing. 

Failure to Provide Accurate Information : The reported information does not accurately reflect my credit history, and as a result, it misrepresents my creditworthiness to potential lenders and creditors. This constitutes a violation of my rights under the FCRA, which mandates the fair and accurate reporting of consumer credit information. 

Lack of Verification : It appears that proper verification procedures were not followed in reporting the information in question. The FCRA requires credit reporting agencies to ensure the accuracy of the data they collect and maintain. Failure to verify the accuracy of reported information is a violation of this requirement. 

I request that you conduct a comprehensive investigation into these discrepancies and take appropriate action to rectify them in accordance with the FCRA. Furthermore, I urge you to review your procedures for ensuring the accuracy of reported information to prevent similar errors in the future. 

Please provide me with written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I observed inaccuracies in the listed accounts that need to be reported and corrected by your company.

Company response to consumer: Closed with non-monetary relief