vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-29 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: MN

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-02-29 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:
My name is XXXX XXXX and this is not a third party. The following credit reporting agencies are taking advantage of me, and as a result I am continuously being denied credit. Experian, XXXX, XXXX and XXXX XXXX. There is no way any person can validate fraudulent activity. Due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a ).

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 2024-02-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX XXXX to Midland Credit Management , Inc . 
Original Creditor XXXX XXXX XXXX ( in partnership with : XXXX XXXX XXXX XXXX XXXX  ( XXXX ) Outstanding balance USD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NC

Complaint narrative:
I have been requesting a copy of my note with my signature on my note for about XXXX  months both verbally and in writing ( XXXX debt validation letters and # XXXX is on its way ) The copy I have does not have any signature. I also requested to see the stamp on the note that says 'paid to the order of '. The indendentured trustee or trust bank should have stamped it paid to the order of. ( XXXX XXXX XXXX and XXXX XXXX bank is on the SEC.gov website ) The trust bank needs my XXXX  number to access my account. The trustee on the DOT is trying to foreclose with no note at all or a show he has standing. I know about the XXXX process. My note has been sold to investors and shareholders. Note and DOT are bifurcated. The financial statement I received that took XXXX requests and XXXX months later to receive ( was not debt validation ) states wrong information on payment history and home placement date. I have sent in payoffs only to have them ignored. I sent XXXX to the DOT trustee and he is holding it XXXX and is now foreclosing on my. That is fraud on his part. This entire system of justice is is only for the engourgent of the big corporations and not for the consumer. As a consumer I am furious at this legalized theft of what is ours that we paid for in full with our ( XXXX XXXX XXXX ) XXXX XXXX XXXX!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-02-29 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I have XXXX or XXXX files filled out with XXXX XXXX but I never ever tried anything with them I've been going through fraud these past months I think an ex or somebody had stolen my identity

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I have XXXX or XXXX files filled out with XXXX XXXX but I never ever tried anything with them I've been going through fraud these past months I think an ex or somebody had stolen my identity

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 2024-02-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have XXXX or XXXX files filled out with XXXX XXXX but I never ever tried anything with them I've been going through fraud these past months I think an ex or somebody had stolen my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Chambless, Math, Carr, P.C.
State: MD

Complaint narrative:
I am a XXXX  of the United States XXXX currently living in XXXX, XXXX  at XXXX XXXX, XXXX. 
In XXXX I surrendered a vehicle to the bank XXXX XXXX XXXX XXXX XXXX XXXX, now known as XXXX XXXX XXXXXXXX XXXX in XXXX, XXXX  because of a divorce and inability to make payments. It was then sold at auction and I was left to pay the difference of {$28000.00}. 
In XX/XX/XXXX, I was contacted by the law firm of Chambless , Math, and Carr in XXXX XXXX. This law firm has claimed to be the attorney for the Credit Union. Myself, and XXXX XXXX, XXXX. came to a repayment agreement of {$28000.00} and agreed to terms of an initial {$5000.00} lump sum and {$200.00} a month until the total amount was paid and that the Credit Union waives all interest and attorney fees. 
I have made all these payments in full to date to Chambless, Math, and Carr. 
Now wanting to pay this debt and complete our agreement I made a phone call to the law firm in XX/XX/XXXX. 
I was told by a different attorney in XX/XX/XXXX that I owe {$28000.00} that I have paid {$9400.00} to date and the reason for this is that they charged me a 5.84 % interest rate. Despite the correspondence I have in emails between myself and XXXX XXXX XXXX, XXXX. 
I called XXXX XXXX XXXX and spoke with a representative in the collections department and they advised me that Chambless, Math, and Carr no longer has ownership of the loan and that they do not advise paying them because an out of state attorney owns the loan. They claimed the could not offer anymore information and to contact the law firm of their attorney. The law firm is no longer answering my phone calls or responding to any of my emails. 
My credit report is reporting that I owe {$22000.00} to XXXX XXXX XXXX XXXX 
If I have paid {$9400.00} to my calculation, I owe XXXX. 

Please help, I would like to end this and pay the right amount to the right person. I am currently suffering from XXXX  issues from XXXX  related injuries and may need XXXX  XXXX soon and would like to pay and resolve this before my XXXX date. 

Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On XX/XX/year> TransUnion told me that there was a ID Verification Lock on my Credit Report and on my wife 's Credit Report. TransUnion told me to send in proof of our ID to : XXXX. We sent in the information on XX/XX/year> and were told that it would take about XXXX XXXX XXXX XXXX XXXX to remove the Lock. We have not heard back from TransUnion so I called customer support and they told me to resend the information and it would be about XXXX XXXX XXXX XXXX XXXX to resolve the problem and TransUnion hung-up on me. 

My main concern is that I have received several emails from TransUnion telling me that IF I sign-up for their account for {$29.00} at month each, all of our Credit Reports and account information will be instantly available but if I just want our Free Credit Report, well they can not provide that until the ID Verification Lock is removed

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 2024-02-29 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: GA

Complaint narrative:
I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX  XXXX report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account XXXX - XX/XX/year> XXXX XXXX digit XXXX :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I bought the card on XX/XX/XXXX. I was able to use it for a couple of transactions, and now I can't use it anywhere. I still have a balance of {$300.00} on the card yet it is declined every time I try to use it. The latest transaction the was declined was this morning, XX/XX/XXXX for something that was much less than the balance on the card. I've tried numerous times to contact AmEx, but they keep sending me back to the phone number to activate the card. I can not contact anyone to find out why this is not working.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-29 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: GA

Complaint narrative:
I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX  to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account XXXX - XX/XX/2022 Last 4 digit SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have XXXX old accounts with comenity bank the first account is for XXXX XXXX  which the company went out of business nationwide. And the other account is with Victoria Secret. I send out a certified letter to comenity bank to verify debt this comenity back sign the letter but didnt respond back with XXXX  days and didnt filled out the the documents that I send to the company back me to verify proof of theses balances and also this debt is old both of theses accounts was closed XXXX XXXX XXXX  its now XXXX personally by me by law In Pennsylvania, there is a XXXX ( XXXX ) year statute of limitations credit cards etc. ) The XXXX years usually runs from the last payment made on the account. I will attach letter that was send out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: RI

Complaint narrative:
I was scammed by a Loan company for XXXX on XXXXMoney was put into my account by a lender. I made purchases and used the money ... Noe the deposit was returned for non payment t. DCU wont recognize as a scam and help the situation

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 2024-02-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: TX

Complaint narrative:
Account closed and no explanation. According to support violation of service policy, but will not let me appeal or tell me what I did to violate their service policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I received your written response dated XX/XX/2024. 

Why did the system even allow me to select 10 Months ( 5.30 % APY ) during the non-renewal period? 
This option SHOULD NOT HAVE BEEN THERE for me to select. 

Additionally, Your next APY will be calculated on your maturity date could easily be misunderstood to mean that the next APY would be 5.30 %. 

Very disappointing, and nothing short of misleading the customer. 

Also you did not answer the most important question why is there NO WARNING ON THE RENEWAL SCREEN THAT THE INTEREST YOU SEE IS NOT THE RATE YOU WILL GET. 

Capital One needs to update its system for CD renewals and WARN ALL CUSTOMERS ABOUT THE ABOVE ISSUE if they happen to renew their CDs during the NON RENEWAL PERIOD. 

THE WARNING SHOULD BE IN BOLD, RED FONT. 

I am sure there are others customers like me who have been tricked into thinking they were going to get a good rate, and ended up with a much lower rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: IL

Complaint narrative:
I am reporting XXXX, Experian, and XXXX to the Consumer Financial Protection Bureau ( CFPB ) due to numerous inaccuracies in the information they've provided on my credit reports. Under the Fair Credit Reporting Act ( FCRA ), all furnished information must be complete and accurate. However, I've found inconsistencies such as varying payment statuses, incorrect payment dates, missing payments, and incomplete account histories across the bureaus. These discrepancies misrepresent my creditworthiness and could adversely affect my financial opportunities. I urge the CFPB to investigate and take necessary actions to rectify these inaccuracies promptly. Additionally, if these issues are not promptly resolved, I am prepared to pursue litigation against all agencies involved to ensure the accuracy and integrity of my credit reports.

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 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Referencing the current complaint : XXXX Investigate WHO HAS BEEN AND WHO IS PROVIDING THE MONTHLY PAYMENTSFOR THE ACCOUNT AS IT IS NOT ME NOR HAS IT EVER BEEN ME. INVESTIGATE THE SIGNATURES AS IT IS NOT MY SIGNATURE. 
THE ACCOUNT IS NOT A JOINT ACCOUNT AS I DID NOT AUTHORIZE MY NAME TO BE ON ANY JOINT ACCOUNTS. I did not authorize any of the accounts in reference. 
I HAVE NOT EVER MADE A PAYMENT OF THOSE ACCOUNTS. 
THE ACCOUNT IS NOT A JOINT ACCOUNT AS I DID NOT AUTHORIZE MY NAME TO BE ON ANY JOINT ACCOUNTS. 

Remove my name from the account. the account is for XXXX XXXX. It is not nor has ever been my account. 

Per the attached, TransUnion is attempting to circumvent this matter. I will continue to dispute this matter until the two accounts listed are permanently removed from my credit report. THE ACCOUNT IS NOT A JOINT ACCOUNT AS I DID NOT AUTHORIZE MY NAME TO BE ON ANY JOINT ACCOUNTS. I did not authorize any of the accounts in reference. I HAVE NOT EVER MADE A PAYMENT OF THOSE ACCOUNTS. XXXX and XXXX removed the accounts. I expect the same from TransUnion. THE ACCOUNT IS NOT A JOINT ACCOUNT AS I DID NOT AUTHORIZE MY NAME TO BE ON ANY JOINT ACCOUNTS. I have been divorced for over a decade. I have attached copies of the divorce decree. Just as the other 2 major credit bureaus did their due diligence I expect the same from TransUnion. XXXX and XXXX removed the accounts. I expect TransUnion to remove both accounts from my credit report and any affiliation with the accounts. Investigate WHO HAS BEEN AND WHO IS PROVIDING THE MONTHLY PAYMENTSFOR THE ACCOUNT AS IT IS NOT ME NOR HAS IT EVER BEEN ME. INVESTIGATE THE SIGNATURES AS IT IS NOT MY SIGNATURE. I will continue to escalate this matter until the accounts are removed permanently.

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 2024-02-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
I opened this savings account as a condition to a loan I received. I kept the account open after the loan was paid just to have an extra savings spot. I attempted to transfer to my external account on Monday and was prevented due to a limit that was now placed on my account that it never had before and without warning or notice. 
I was given the run around and lied to numerous times by 5 different representatives & supervisors about withdrawing my money from branches in which I was also unable to do. At this point I just decided to just close the account rather than let them hold my money XXXX. 
I requested that a cashiers check be sent to me overnight via XXXX which was XX/XX/24. 
Today is XXXX and I still dont have my funds. Upon calling for a status update I was just told that they made Another Mistake by sending my cashiers check via regular mail with no way to track it because they dont get receipt 's from the postal service, and let me clarify that were talking about over $ XXXX which would normally require some sort of mail insurance, yet they charged me {$22.00} TWICE for the XXXX service on Monday. The only solution being given is to prolong the situation further by stop payments, form request, and re-issuance of the checks. How does that benefit me or make me feel better when my bills are due? So now my credit rating will be damaged to to not being able to pay my bills on time. In final Ill say that every last person I spoke to was incompetent, rude, and unprofessional. 
This institution couldnt be located on the NCUA research data base.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-29 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I recently received a copy of my credit report and found proof that some inaccurate information was being reported. The following alleged collection/charge off accounts have a pass due balance. This is a violation of the 15 USC 1681 ( e ) B. XXXX  XXXX on XX/XX/2022 Paid the charge off.XXXX  XXXX XXXX on XX/XX/2022 The Charge Off was paid off as well. XXXX Charged off account with a balance of XXXX. I requested a 1099c and i never received one. XXXX XXXX, Charged off account witha balance of XXXX. I requested a 1099c and i never received one. Navy FCU is reporting a charge off of XXXX. I requested a 1099c and i never received one. XXXX XXXX XXXX in reporting a charge off with a balance of XXXX ( from XXXX XXXX ). I requested a 1099c and i never received one. XXXX XXXX XXXX a collections account with a balance of XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation