vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-27 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: WI

Complaint narrative:
In Accordance with the FAIR reporting Credit Act, The List of accounts below have violated my FEDERALLY PROTECTED CONSUMER Rights, To privacy and confidentiality under 15 USC 1681 ACCOUNT NAME : ( XXXX XXXX XXXX XXXX ACCOUNT # XXXX Account NAME : ( Security Finance Account # XXXX Account NAME : ( XXXX XXXX XXXX ACCOUNT # XXXX ALSO 15 USC 1681 section 602 A states I have the right to privacy Also 15 USC 1681/1681 section 604 A/section 2..States also a consumer reporting agency can not furnish a account without my instructions..

Also 15 USC 1681 CA5 section states no consumer report agency make any consumer report containing any of the following items of information other then records of Conviction of crimes which in to date report more than 5 to 7 years..

Also 15 USC 1681 S2A1 a person may not furnish any information related to any consumer reporting agency if the person knows or have any reason or cause to believe that the information is in accurate ( Delete IMMEDIATELY ) Sincerely XXXX XXXX P.S MY MOTHER JUST PASSED AWAY... 
IM ON A FIRST TIME Home BUYER PROGRAM, I HAVE XXXX GRANDKIDS, MY LIFE IS ON HOLD..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: CA

Complaint narrative:
I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my XXXX score. 
Below are the details of the accounts in question 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: American First Finance, Inc.
State: AL

Complaint narrative:
I am writing to file a formal dispute regarding the inaccurate reporting of a charge-off account on my credit report by American First Finance . The account in question is referenced above. I believe that this reporting is in violation of 15 U.S.C. 1601, commonly known as the Truth in Lending Act ( TILA ).

Under the provisions of the Truth in Lending Act, creditors are required to ensure that all credit information provided to consumer reporting agencies is accurate, clear, and not misleading. The charge-off status reported by American First Finance fails to meet these standards for the following reasons : 1. Inaccurate Information : The charge-off was incorrectly reported or may not have been fully validated by American First Finance . This reporting does not reflect the true nature of my account or the circumstances surrounding it.

2. Failure to Provide Clear Disclosures : American First Finance may not have provided me with the necessary disclosures or information related to the account, as required under TILA. This lack of transparency has directly impacted the accuracy of the information reported to the credit bureaus.

3. Potential Violation of Fair Credit Reporting Practices : The continued reporting of this inaccurate charge-off has resulted in significant damage to my credit score and financial standing. This is a violation of my rights as a consumer under federal law. 

I have made every effort to resolve this matter directly with American First Finance but have been unsuccessful in reaching a satisfactory resolution. I am now seeking the CFPBs assistance in ensuring that my credit report is corrected and that the charge-off is removed. 

I kindly request that the CFPB investigate this matter and work with American First Finance to correct the inaccurate reporting on my credit file. 

Thank you for your time and attention to this important matter. I look forward to your prompt assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: TN

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-08-27 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: TX

Complaint narrative:
I have a credit card account that is over 10 years old and hasn't been removed and i have been disputing and disputing to get removed and they won't remove it by law any account that ate closed have to be removed from credit repoet it has been 15 years now and still not removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Bought a XXXX phone and financed it XXXX XXXX ( TD Bank ). Recently received an email from TD Bank saying they were changing their system and I would need to change my password. Have tried several times to do so. Their system will not accept any password from my password generator. TD has special requirements for what characters and symbols can be use. Unfortunately, they do not tell you what they are. So when you receive an error message saying illegal character, you do not know what character in the password is not acceptable. Have tried calling them numerous times. you can wait on hold for several hours, but no one ever answers. I can not access my account and get my monthly statement. 

According to the Fair Credit Reporting Act, TD Bank is required to send me an account statement every month. I have made a good faith effort to obtain my current statement. Now I am asking you to look into the problem and take appropriate action ( fines, etc. ) to remedy the problem. Until I receive an account statement, I will make no further payments on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK
State: NV

Complaint narrative:
I got an email from discover that {$230.00} was sent to some stranger. I noticed my phone was lost and I called Discover about this. They provided provisional credit for the transaction and closed the bank account and issued a new bank account number. Then they reverse the provisional credit said there's nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Unfortunately in XXXX until XXXX of 2023 on XXXX, XXXX & XXXX I was 30, 60 and 90 days late. I took advantage of our relationship & failed to submit my monthly payments on time. It was an exceptionally busy time in my life as I was dealing with my mother death from XXXX which I had to move back to my home state while trying to balance being a single parent of a XXXX & XXXX year old, while taking night classes to fulfill one of my long standing career goals of gaining my college degree. Now that Ive found a prosperous balance in my life, I honestly can not associate with the person that let this payment obligation go unattended. I fully respect my obligations with Navy Federal Credit Union & have worked diligently to amend my relationship with you by regaining your trust. A brief look at my account will reveal I have successfully paid off my account since my unfortunate circumstances. 


Ive recently begun searching for a new financially rewarding career in business, & it has come to my attention that because of my late payments with Navy Federal Credit Union, Im being rejected careers in my field. As you may know, FICO scores are being used more & more in the selection of prospective job applicants. 


In light of my renewed focus & demonstrated commitment to rebuilding my trust with your company, Im requesting that you please give me a second chance at a positive credit rating by removing the LATE PAYMENTS that are reporting with XXXX, XXXX, & XXXX. I sincerely hope that Navy Federal Credit Union believes in their customers & I humbly request your consideration to allow me to pursue the career of my dreams. I appreciate your time & look forward to receiving a favorable decision from your department soon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Unfortunately in XXXX until XXXX of 2023 on XXXX, XXXX & XXXX I was 30, 60 and 90 days late. I took advantage of our relationship & failed to submit my monthly payments on time. It was an exceptionally busy time in my life as I was dealing with my mother death from XXXX which I had to move back to my home state while trying to balance being a single parent of a XXXX & XXXX year old, while taking night classes to fulfill one of my long standing career goals of gaining my college degree. Now that Ive found a prosperous balance in my life, I honestly can not associate with the person that let this payment obligation go unattended. I fully respect my obligations with Capital One Bank & have worked diligently to amend my relationship with you by regaining your trust. A brief look at my account will reveal I have successfully paid off my account since my unfortunate circumstances. 


Ive recently begun searching for a new financially rewarding career in business, & it has come to my attention that because of my late payments with Capital One Bank, Im being rejected careers in my field. As you may know, FICO scores are being used more & more in the selection of prospective job applicants. 


In light of my renewed focus & demonstrated commitment to rebuilding my trust with your company, Im requesting that you please give me a second chance at a positive credit rating by removing the LATE PAYMENTS that are reporting with XXXX, XXXX, & XXXX. I sincerely hope that Capital One Bank believes in their customers & I humbly request your consideration to allow me to pursue the career of my dreams. I appreciate your time & look forward to receiving a favorable decision from your department soon. 




Late Payments : XX/XX/2023- 30 days late XX/XX/2023- 60 days late XX/XX/2023- 60 days late XX/XX/2023- 90 days late XX/XX/2023- 90 days late XX/XX/2023- 60 days late XX/XX/2023- 60 days late XX/XX/2023- 60 days late XX/XX/2023- 60 days late XX/XX/2023- 60 days late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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:
Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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:
Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.

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 2024-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Credit Corporation
State: VA

Complaint narrative:
The debt collector said on a recorded call that they " Would send the requested documents by certified mail ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: Transform Credit Inc.
State: FL

Complaint narrative:
I DONT KNOW WHAT ACCOUNT THIS IS I NEVER HEARD OF THIS ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: OH

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-08-27 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: GA

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-08-27 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: GA

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
On or about XX/XX/year>, i discovered that there were fraudulent transfers of funds out of a joint checking account at the USAA Federal Savings Bank. The transfers resulted in a negative balance ( as of today of approx {$7300.00} ). Consequently, our accounts were put on hold, we can not access the funds in the account ; and standing auto payments with household vendors ( utility company, life insurance companies, personal credit cards ) have been denied for payment by USAA Federal Savings when presented as scheduled. 
The Bank XXXX XXXX Department has been investigating this matter but now, nearly XXXX weeks into their efforts, the Bank has not been able to close out the investigation, resolve its details nor restore the funds in our joint savings and checking accounts and our access to them. i've been continuous communications with approximately XXXX different " front line '' staff at the bank but without resolution. My request to speak to a senior level XXXX to determine when the problem would be resolve has not been responded to. In my conversation today ( XX/XX/XXXX ) with a member of the XXXX Department, I learned that this issue will be " escalated to a higher level XXXX '' for response. Thus far, that hasn't happened.

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 monetary relief
Consumer complaint received 2024-08-27 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: CA

Complaint narrative:
Equifax has Out dated, inaccurate information on my credit report. Two late charges, hard XXXX hard inquiries. My name is misspelled, addresses I never lived at. XXXX car loans paid off. Last time updated my information was XX/XX/year>. I asked Equifax to make the changes accurate. But they have ignored my request.

Company response to consumer: Closed with explanation