vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-10 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: AL

Complaint narrative:
I am writing this to serve as notice that the fraudulent information, accounts, inquires, and collections on the credit report This is considered identity theft based on 15 U.S.C. 1681c-2 and needs to be removed immediately. You have 4 days from receipt of this certified letter. Based on 15 USC 1681b all of these companies have fraudulently added information to the credit report without my written consent. Which we know is a direct violation of 15 USC 1681c and fcra. Also according to 26 USC 166 a charge off is taxable and considered to be income so can NOT be put on the credit report and needs to be removed immediately. Also any derogatory items and remarks are not allowed and are also in direct violation. 
The accounts : XXXX XXXX charge off XXXX XXXX charge off XXXX XXXX  XXXX  XXXX Inquires : XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, Credit Plus All need to be removed from the credit report immediately, as I have the right to privacy per the FCRA and the Privacy Act of 1974. I also have the right to opt out per 1016. ( h ) states I have the right to opt out at anytime and ( g ) states that you MUST comply. Failure to respond satisfactorily within 4 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: AL

Complaint narrative:
I am writing this to serve as notice that the fraudulent information, accounts, inquires, and collections on the credit report This is considered identity theft based on 15 U.S.C. 1681c-2 and needs to be removed immediately. You have 4 days from receipt of this certified letter. Based on 15 USC 1681b all of these companies have fraudulently added information to the credit report without my written consent. Which we know is a direct violation of 15 USC 1681c and fcra. Also according to 26 USC 166 a charge off is taxable and considered to be income so can NOT be put on the credit report and needs to be removed immediately. Also any derogatory items and remarks are not allowed and are also in direct violation. 
The accounts : XXXX XXXX charge off XXXX XXXX charge off XXXXXXXX XXXX XXXX XXXXXXXX Inquires : XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX All need to be removed from the credit report immediately, as I have the right to privacy per the FCRA and the Privacy Act of 1974. I also have the right to opt out per 1016. ( h ) states I have the right to opt out at anytime and ( g ) states that you MUST comply. Failure to respond satisfactorily within 4 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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 2024-04-10 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: CA

Complaint narrative:
This is not an error. I am sending my formal notice that this information is a result of identity theft. All this information has been reported to the FTC and is currently under investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: TX

Complaint narrative:
i have recently checked my credit report and noticed some inaccurate accounts being reported in addition to unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: TX

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

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 2024-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I moved states in XX/XX/XXXX and went to register my vehicle in my new home state. My refinanced loan with Navy Federal started I believe in XXXX. 
So for three years my loan interest rate was at 3.890 %. Starting XX/XX/XXXX my interest rate drastically increased to 14.790 %. According to Navy Federal this was due to my failure in submitting the title of the vehicle I refinanced several years prior. 

This issue of Navy Federal not being listed as a lien holder was not discovered by me until I moved to Florida and needed documentation from my loan holder, Navy Federal, in order to register and re-title my car in Florida. 

Although, their website clearly states : If you refinanced from another financial institution, verify with them that the title was mailed to Navy Federal. Once Navy Federal receives the title, we will mail required paperwork, if any, to your address on file to apply for a lien-recorded title. Navy Federal will debit the DMV titling fees from your account and submit to the DMV on your behalf. 

Yet somehow the responsibility is being placed on me. And Im literally being taxed an outrageous amount of interest rate as a penalty. The previous financial institution confirmed with me that they submitted the appropriate information to Navy Federal and also stated that I was not responsible for getting the lien holder information changed, as confirmed on Navy Federals website. 

When this all came to light Navy Federal stated they could not and would not change the lien holder information which is incorrect. When I contacted the NJ DMV they stated that the financial institution must be the one to request the title etc. I went back and forth for months, many months between Navy Federal, XXXX, and the prior lender, etc. in a vicious and non ending circle. The prior lender, not Navy Federal, finally gave me a lien release so that I could get my title changed and be able to re-title my vehicle and register my vehicle in the state of Florida. 

Now, apparently, I still have to add Navy Federal as the lien holder which is an additional inconvenience but is doable given that they are the loan holder for this vehicle. But I discovered today that they refuse to retroactively fix the interest rate and will only change me back to my original interest rate, moving forward, after they receive the title with them listed as a lien holder. 

It is beyond outrageous and completely unconscionable that failure on their part results in me having to pay a super high interest rate and that they are unwilling to retroactively remove the additional interest rate. And are still holding me accountable for doing the job they failed to complete.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: IL

Complaint narrative:
Purchased the gift card and the card will not allow me to check the balance and spend money from it. Website says I am declined from the server on 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 2024-04-10 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: NV

Complaint narrative:
According to 15USC 1681i ( 5 ) it states this ( 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 of incomplete or can not be verified, the consumer report 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.

This is unfair and if they are doing this to me imagine who else they are doing this too. Can you fix this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kikoff Inc.
State: NC

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: FL

Complaint narrative:
I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.

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 2024-04-10 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: IL

Complaint narrative:
On XX/XX/2024 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later i have not recieved a repsonse yet. I feel like i'm being taken advantage of and being ignored of my disputes section 611 ( a ) it is plainy stated that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: FL

Complaint narrative:
I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Zions Debt Holdings
State: AL

Complaint narrative:
I am writing this to serve as notice that the fraudulent information, accounts, inquires, and collections on the credit report This is considered identity theft based on 15 U.S.C. 1681c-2 and needs to be removed immediately. You have 4 days from receipt of this certified letter. Based on 15 USC 1681b all of these companies have fraudulently added information to the credit report without my written consent. Which we know is a direct violation of 15 USC 1681c and fcra. Also any derogatory items and remarks are not allowed and are also in direct violation. 
The accounts : XXXX XXXXXXXX XXXX XXXX ZION DEBT HOLDINGS XXXX Inquires : XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX All need to be removed from the credit report immediately, as I have the right to privacy per the FCRA and the Privacy Act of 1974. I also have the right to opt out per 1016. ( h ) states I have the right to opt out at anytime and ( g ) states that you MUST comply. Failure to respond satisfactorily within 4 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud XXXX. ) Violations of the Fair Credit Reporting Act Certified correspondence was sent to XXXX and Zion Debt holdings as well as the IRS to get this removed and at this point I will have to push forward with a lawsuit against them. XXXX currently is facing a lawsuit now. Per USC 15 1681, 1681b, 16891c-2, USC 15 1692l states that the cfpb has the right to enforce compliance in removing this fraudulent information from the credit report in a timely manner. Since I have been dealing with this with no remedy 24-72 hours is more then enough time to remove these items from the credit report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX reached out to my daughter about not being able to reach me and advised my daughter about the situation. I have no voicemails from XXXX XXXX or anyone else from this company. I thought this was not legal? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Midland Credit management

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: GA

Complaint narrative:
According to 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX has reported late payments and has not mailed or delivered a periodic statement to me 21 days before the due date. They have failed to send the proof for which I have asked. XXXX, Equifax, and XXXX have reported these late payments without verification and without my consent. 

In addition, I, the consumer, never gave XXXX, Equifax or XXXX written permission or consent to furnish my information or obtain my information. I also sent a remittance coupon for payment on my account. XXXX XXXX has not presented this coupon for payment on my account and has not returned it to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo XXXX XXXX XXXX XXXX for XXXX XXXX Wells Fargo XXXX # XXXX XXXX XXXX Wells Fargo issued check to XXXX XXXX for {$3500.00} compensation for add on products and services that were sold to him as elderly person XXXX XXXX is deceased XXXX, XXXX, XXXX This check was forwarded to us by current resident of Warrens house and we received late XXXX XXXX XXXX, XXXX Contacted Wells Fargo XXXX XXXX number listed in letter to request check issued to XXXX XXXX ( Power of Attorney for both of his parents ) XXXX XXXX, XXXX Wells Fargo send email telling us information that was needed for check reissue request XXXX XXXX, XXXX Submitted this information to Wells Fargo received confirmation # XXXX XX/XX/XXXX Contacted Wells Fargo XXXX XXXX because they sent XXXX a XXXX for Interest Income ( even after being informed he was deceased and a new check needed to be XXXX was sent to his wrong old address we again updated the correct address to make sure it was correct to send the check They said we would be receiving check within XXXX weeks XXXX XXXX, XXXX Contacted Wells Fargo Customer Care because we had not received check They said they had sent email asking for more documentation. They typed in our email address incorrectly and we didnt receive email. Told us information they needed XXXX XXXX, XXXX Sent Wells Fargo documentation they requested see copy of email XX/XX/XXXX Still no check so contacted Wells Fargo Customer Care. They said they had received documentation we sent XXXX XXXX and were processing it. We should receive a check within 20 30 days. 

XX/XX/XXXX Still no check. Contacted Wells Fargo Customer Care. They said they received supporting documentation to complete check reissue on XX/XX/XXXX and we should receive check within XXXX days. Since we did not send any additional documentation for them to receive on XX/XX/XXXX makes us suspicious. They seem to be saying repeating the same answer each time we call to follow up on why we havent received a check.

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 2024-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 non-monetary relief