vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute an inaccurate charge-off and closed account on my credit report associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account has been disputed several times with no effective results. I believe that this charge-off and account closure are incorrect and request a thorough investigation into the matter for the following reasons : The information being reported on my credit report does not accurately reflect the status of my account with XXXX XXXX XXXX XXXX XXXX I have reviewed my records and found discrepancies that suggest errors in the reporting process. 

I did not receive any prior notification or adequate explanation from XXXX XXXX XXXX XXXX regarding the charge-off and account closure. According to my understanding, financial institutions are required to provide proper notification and an opportunity to rectify the situation before taking such drastic measures. This erroneous charge-off has negatively impacted my credit score and financial standing, causing undue stress and financial difficulty. 

My payment history with XXXX XXXX XXXX XXXX has been consistently reliable and timely. The reported charge-off and closure do not align with my long-standing history of responsible account management. 

Enclosed are copies of my credit report, and I kindly ask for your assistance in ensuring that my credit report is corrected and reflects accurate 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 non-monetary relief
Consumer complaint received 2024-08-05 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute an inaccurate charge-off and closed account on my credit report associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account has been disputed several times with no effective results. I believe that this charge-off and account closure are incorrect and request a thorough investigation into the matter for the following reasons : The information being reported on my credit report does not accurately reflect the status of my account with XXXX XXXX XXXX XXXX XXXX I have reviewed my records and found discrepancies that suggest errors in the reporting process. 

I did not receive any prior notification or adequate explanation from XXXX XXXX XXXX XXXX regarding the charge-off and account closure. According to my understanding, financial institutions are required to provide proper notification and an opportunity to rectify the situation before taking such drastic measures. This erroneous charge-off has negatively impacted my credit score and financial standing, causing undue XXXX  and financial difficulty. 

My payment history with XXXX XXXX XXXX XXXX has been consistently reliable and timely. The reported charge-off and closure do not align with my long-standing history of responsible account management. 

Enclosed are copies of my credit report, and I kindly ask for your assistance in ensuring that my credit report is corrected and reflects accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute an inaccurate charge-off and closed account on my credit report associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account has been disputed several times with no effective results. I believe that this charge-off and account closure are incorrect and request a thorough investigation into the matter for the following reasons : The information being reported on my credit report does not accurately reflect the status of my account with XXXX XXXX XXXX XXXX XXXX I have reviewed my records and found discrepancies that suggest errors in the reporting process. 

I did not receive any prior notification or adequate explanation from XXXX XXXX XXXX XXXX regarding the charge-off and account closure. According to my understanding, financial institutions are required to provide proper notification and an opportunity to rectify the situation before taking such drastic measures. This erroneous charge-off has negatively impacted my credit score and financial standing, causing undue XXXX  and financial difficulty. 

My payment history with XXXX XXXX XXXX XXXX has been consistently reliable and timely. The reported charge-off and closure do not align with my long-standing history of responsible account management. 

Enclosed are copies of my credit report, and I kindly ask for your assistance in ensuring that my credit report is corrected and reflects accurate 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 2024-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I'm filling this ftc to report separate fraudulent account appearing in my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud .the fraudulent account try to open an account in my name to the due date following XX/XX/year> from Capital One NA this account have resulted in several fraudulent hard inquiries appearing in my credit report. I demand that the aforementioned fraudulent item be removed from each of my consumer credit report activity related to said item cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: PA

Complaint narrative:
This account is fraudulent, my identity was stolen 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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ava Finance, Inc
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : AVA finance XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy and according to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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.

I have also requested proof of delinquency & have gotten no response while reaching out for my late payments to be adjusted and brought up to date. I have explained what happened multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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:
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 12 USC 1681. 

XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 SECTION 602A Stated I have the right privacy 15 U.S.C 1681 SECTION 604A 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 conviction 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: SC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 2024-08-05 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: VA

Complaint narrative:
Dear Sir/Madam, While checking my most recent credit report, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Attached are copies of my state ID. 

Warm Regards, 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 2024-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: SC

Complaint narrative:
The violator is The Bank of New York Mellon indenture trustee for XXXX XXXX XXXX. Their have been multi consumer violations over the last 8 years That only now have we been made aware of! Their is a RESPA Reg X violation that occurred on XXXX We have the affidavit from the process server. I filed bankruptcy back in XX/XX/XXXX and the same company violated the automatic stay that was in effect during my bankruptcy XXXX thru XXXX Said company went to the XXXX XXXX South Carolina Register of Deeds on XX/XX/XXXX with out permission from me, my estate, the court, and filed assignment papers disseizing real property violating my equal protection rights and i believe to be contempt of court. They have named me a defendant in a third attempt at foreclosure to a debt that has been discharged by the court 8 years ago calling it a new debt that happened after the bankruptcy, THATS NOT TRUE! What they did was have a hearing back in XX/XX/XXXX, i received a notice and went to the court to attend, i check in with the court baliff was instructed to wait in a specific room till called, waited 45 min only to have the opposing attorney come in to the room and ask ARE YOU THE LAMBS? I said yes and was told by the opposing attorney that we are all set, we do not need you any more! Well at the time i did not know the person i was speaking with was the opposing attorney, i following the baliffs instructions and thought court personal which i assumed this person was would be calling us in for are hearing, Well i only found out in the last year that it was the opposing attorney and that the opposing attorney had a one sided hearing with the court while i was conveiniently de nide access to the hearing. What i have found is the opposing side who had foreclosed on me in XX/XX/XXXX in a court case the went full due process with a verdict from the court in the opposing sides favor went back to the court and had it vacated 14 months later. I want relief and restitution from the living hell and harrasment they have inflicted on me!! Their is also a cares act violation from XXXX XXXX! The statute say signeficant penalties for violations these companies AND THEIR CONSUL!!!!! NEED TO BE PUNISHED HARSHLY. I WANT RESTITUTION!!! Thank You Sincerly XXXX XXXX XX/XX/XXXX cell XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: FL

Complaint narrative:
I am writing to express my deep concern regarding the disputed accounts on my credit report. Despite multiple attempts to address these inaccuracies and my consistent requests for a thorough investigation, I have not received 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 hardship, 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 comprehensive 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 further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to 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 2024-08-05 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Great Northern Mortgage Corp.
State: TX

Complaint narrative:
Threatening phone calls and Threatening to contact employer. 
Called a 3rd party released personal information regarding debt Abusive and harsh language after I requested a cease and decease all communication Greater Northern Financial XXXX XXXX XXXX  Called from local numper And then Called 3rd party using that person 's local area code ... ..so many fraudulent tacticts

Company response to consumer: Untimely response
Consumer complaint received 2024-08-05 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:
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer.

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 2024-08-05 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: WI

Complaint narrative:
My account amounts on my credit cards and loans have not been updated in 3 months those balances on my car loans and credit cards have not been updated

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 2024-08-05 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: WI

Complaint narrative:
My account amounts on my credit cards and loans have not been updated in 3 months those balances on my car loans and credit cards have not been updated

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received a prepaid gift card as a gift and I've been having difficulty using it. I went online to try to register the card but kept getting prompted to call the number because there were issues with it. When I called the number, I kept getting UNHELPFUL and RUDE agents who were quick to hang up on me without answering anything. I asked for help registering my card because the website didn't work and they kept directing me back to the website ( where I was getting the error ). They said they could also transfer me to their automated phone department to register, but every time they tried to transfer me, it took me to a customer survey and then automatically hung up. I tried with over XXXX different agents. When I asked XXXX agent to check my gift card balance, she said " {$0.00} ''. I asked her how could I have XXXX when I've never even used this gift card before? and she hung up on me. Overall, this company is a SCAM and it's clear from their customer service that they have no intention of ever giving customers their rightfully owed money. The customer service agents were actually the worst people I've ever dealt with.

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 2024-08-05 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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