vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
On XXXX XXXX, a lady named XXXX XXXX working for Navy Federal Credit union, had my car illegally repossessed. I say illegally because I missed my payment which is due on the XXXX of each month, on XXXX XXXX i missed my payment becauseofan emergency. On XXXX XXXX I made my full payment. I missed my payment on XX/XX/XXXX. I learned that I would receive my XXXX payment on XX/XX/XXXX and I would pay for XXXX and XXXX on XX/XX/XXXX. Only on the morning of XXXX XXXX XXXX XXXX had my car repossessed. XXXX XXXX charged me XXXX for information about where my car was. That XXXX did not go towards ANY part of my car payment, which is XXXX per month. And at the time i only owed her XXXX because she came through my checking account and took the XXXX dollars that was in there. The company, XXXX XXXX XXXX XXXX, located in XXXX, Louisiana, charged me XXXX to get my car back and downright refused to give me a receipt for it. I had to comply because now it's XX/XX/XXXX. It was a weekend followed by XXXX XXXX day, which meant a lot more in fees. I called Navy Federal Credit union sometime this month to find out how to pay this debt off only to find out that the debt is about XXXX dollars more than I started with. The operation is so secretive and so underhanded until it's scary. I don't know what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: NY

Complaint narrative:
I am contacting you to address several issues I have encountered with my credit report, including incorrect account listings, unauthorized inquiries, inaccurate credit reporting, billing errors, and accounts that do not belong 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 2024-11-07 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: NY

Complaint narrative:
I am contacting you to address several issues I have encountered with my credit report, including incorrect account listings, unauthorized inquiries, inaccurate credit reporting, billing errors, and accounts that do not belong 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 explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the XXXX XXXX XXXX account listed above. Your company has been reporting inaccurate and incomplete accounts on my consumer report. The Fair Credit Reporting Act ( FCRA ), pursuant 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies. Your company is violating 15 U.S.C 1681 and violating the FCRA for not properly verifying the accuracy of accounts listed on above.

15 U.S. Code 1681a - Definitions ; rules of construction ( 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. 

XXXX XXXX Transunion, XXXX XXXX XXXX, and XXXX XXXX XXXX, the courts all ruled that the consumer reporting agencies could not just use XXXX XXXX as a proper verification process, furthermore, they must do a reasonable investigation and comply with the FCRA laws. 

Each account that I dispute must be investigated using the procedures from 15 USC 1681 ( a ( ) e ). I request proof showing me you followed these compliance procedures pursuant 15 USC 1681 ( a ) ( e ) .Pursuant 15 U.S. Code 1681a personal interviews must be conducted 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.

Pursuant 15 USC 1681 s-2 ( a ) ( 1 ) ( a ), I have notified TransUnion numerous times showing the inaccurate items being furnished. My consumer report should be 100 % accurate. The term accurate means free of error. If something is not accurate on my consumer report, I have the write to challenge it and get it removed. 

The date open is reporting different on TransUnion and XXXX. How is this information accurate when it has two different dates the account was opened. 
The date of last activity is also reporting inaccurately on TransUnion and XXXX. 
My payment history is inaccurate. How can I be 60 days late in XX/XX/year>, but my payment was on time in XX/XX/year>.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group
State: KY

Complaint narrative:
The original debt was charged off by the original company in XX/XX/year> only after XXXX missed payments. I had no warning about it being charged off. Then in XX/XX/year> I get an email from a debt collection agency saying theyre trying to collect on the payment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Skopos Financial, LLC
State: NC

Complaint narrative:
During the duration of the term, my Monthly payment was XXXX XXXX I did have the payments reduced to a more manageable XXXX $ a month, however I was dealing with a landlord in which was extorting money from us. This caused me to miss a payment in XXXX. In XXXX, Reprise Financial reverted the payment plan and immediately repossessed the car stating I would have to pay XXXX $ in order to get the car back. The car was then sold at Auction and the loan amount was only reduced by XXXX $ in which is XXXX $ below the XXXX XXXX XXXX fair market sale price. This leading me to believe they are taking part in malicious and unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have recently reviewed a copy of my credit report, I was shocked to learn that I have identity theft. I found a credit inquiry added into my report on XX/XX/year> by XXXX XXXXXXXX XXXX that was not authorized by me. Please remove the fraudulent inquiry from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant XXXX and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant XXXX  and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely 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 explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
They did not provide the information on how they verified the information requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/year>, i went to a Wells Fargo branch in XXXX ( XXXX XXXX XXXX XXXX ) ( XXXX ). I went in to obtain a cashier 's check for {$6900.00}. The total deposited out of my savings account was {$7400.00} because I took out another XXXX money orders for smaller amounts. XXXX was the branch agent that assisted me with the transaction and she knows all the details of what happened. I went back the next day on XX/XX/XXXX to cancel the cashier 's check of {$6900.00} at another branch in XXXX. They told me for some reason they couldn't cancel it because it wasn't coming up in their system and I couldn't get my money back. That same day, I went back to the XXXX XXXX XXXX XXXX branch where I originally got the cashier 's check to resolve this issue. XXXX confirmed that there was a glitch in the system when she created cashier 's check and that is probably why the system didn't capture the transaction, even though they took the money out of my account. They called customer service at Wells Fargo and they said they created a case with my situation and that everything should be resolved by Tuesday/Wednesday of this week. 

I called Wells Fargo customer service on Tuesday, XX/XX/XXXX and they had no idea what was going on. I called the branch multiple times every day this week and no one has gotten back to me with updates. This company is stealing my money and I want it back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIFTH THIRD FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have a XXXX issued by Fifth Third Bank. I noticed I was double billed by XXXX a few days back and it prompted me to further look at charges over the last few statements. I found other charges from XXXX that were not from me. I called the bank to dispute the charge and was told they could not dispute 3 of the 4 charges because " she did not have a drop down box that gives the most appropriate reason for the dispute ''. These are charges I did not make and the bank rep would not even initiate a dispute on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I have filed three complaints, and I understand the stance you are taking however you are refusing to answer direct questions pertaining to my experience as a client. Until those are answered and I am refunded my overpayment this remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name 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/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: IL

Complaint narrative:
I am asking for your help regarding an inaccurate account that is listed on my credit report. This concern impacts my reputation as a customer, so I need your support to address it. I want these inaccurately reported accounts removed because they have a negative effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am reaching out to report multiple inaccuracies on my credit report that the credit bureaus have failed to correct. These errors include addresses where I have never lived, outdated employment information, and name variations that do not accurately represent me. Furthermore, several inquiries appear on my report without my consent or knowledge. These inaccuracies are not only misleading but also violate my rights under the Fair Credit Reporting Act ( FCRA ), which mandates accurate and verified information. I have contacted the credit bureaus to rectify these issues, but no action has been taken. I am requesting the CFPB 's assistance in enforcing a thorough review to ensure these items are corrected, as they are affecting my credit reputation and potentially my ability to obtain necessary credit and employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am reaching out to report multiple inaccuracies on my credit report that the credit bureaus have failed to correct. These errors include addresses where I have never lived, outdated employment information, and name variations that do not accurately represent me. Furthermore, several inquiries appear on my report without my consent or knowledge. These inaccuracies are not only misleading but also violate my rights under the Fair Credit Reporting Act ( FCRA ), which mandates accurate and verified information. I have contacted the credit bureaus to rectify these issues, but no action has been taken. I am requesting the CFPB 's assistance in enforcing a thorough review to ensure these items are corrected, as they are affecting my credit reputation and potentially my ability to obtain necessary credit and employment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was a victim of Equifax data breach and inaccurate information needs to be removed. This Hard Inquiry : XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: LA

Complaint narrative:
I do not believe that this debt is mine. I have no affiliation with this company nor did I ever use the.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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 submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over 30 days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I may have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving Equifax, XXXX, and XXXX.

Company response to consumer: Closed with non-monetary relief