vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.

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 2024-12-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am writing to formally address a serious concern regarding the handling of my personal information by Capital One, which appears to be in violation of the Privacy Act, the Fair Credit Reporting Act ( FCRA ), and relevant sections of the United States Code ( USC ). 

Despite previous written requests submitted on XX/XX/year> and XX/XX/year>, I have not received confirmation of the removal, deletion, and blocking of certain erroneous information from my credit profile. Furthermore, I have opted out of any and all third-party unaffiliated information sharing, yet it seems this preference has not been honored. 

According to the Privacy Act and the FCRA, consumers have the right to request the correction or deletion of inaccurate information in their credit reports. Specifically, under the FCRA ( 15 U.S.C. 1681 ), financial institutions are required to ensure the accuracy and privacy of the data they report and share. Additionally, any opt-out requests must be respected as per the guidelines set forth under the USC and associated consumer protection laws.

I was never provided the total information needed to opt out any reporting and I never received instructions on how to opt out. I am exercising my right to opt out to any non-affiliated third party reporting including XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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:
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC

Complaint narrative:
I took out a line about a year ago and never did I catch that they take XXXX until you pay a full {$500.00} I honestly am not sure how it works but up until 2 months ago I was getting about {$300.00} taken out of every check and now I am being threatened with a lawsuit and I do not understand I have worked with a debt relief program and have XXXX and paid and paid and nothing changed and I have paid {$2000.00} on a {$500.00} loan and I can not do it anymore and for them to threaten to take me to court I dont understand

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: MI

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-12-04 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: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
an unauthorized purchase was made on this card on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX please remove this amount. 

there is also a charge for interest on this account from XX/XX/XXXX in the amount {$46.00}. 
your online chat support agreed while my account was under investigation i wouldnt be paying interest. 

please honor this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-04 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:
It is appalling that you have ignored my repeated requests to correct accounts on my credit report that are in litigation and not properly verified.

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 2024-12-04 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: MD

Complaint narrative:
I authorized both verbally and in writing for the furnisher ( XXXX of XXXX ) in question on XX/XX/year> to run a credit inquiry for a loan with XXXX XXXX XXXX XXXX since they closely partner with them and that was my financial institution of choice. Rather than secure financing and bring in a certified check they requested I go straight through them as they partnered with my bank. 

My loan was secured with my bank however after reviewing my credit I see that on XX/XX/year> there was a hard inquiry from XXXX XXXX ( Auto ), XXXX XXXX XXXX, as well as XXXX XXXX XXXX  ). At no time did I approve for or was notified that my credit would be run for a second and third hard inquiry.

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 2024-12-04 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:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2024-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Aubrey Thrasher, LLC
State: FL

Complaint narrative:
I took out a loan for XXXX originally with XXXX XXXX I made weekly payments on this loan until I could no longer do so... I managed to pay down the loan to XXXX approximately. I asked if I could restructure my loan but was denied. It was then I went to a debt resolution company ( XXXX XXXX XXXX ). I have been making payment of XXXX monthly to them for 7 months to this debt. In that time XXXX XXXX turned over my account to the Aubrey Thrasher XXXX XXXX  which has been making threatening emails, phone messages and now contacting family members ( wife ). The person doing this is XXXX XXXX Case Manager Office : XXXX Direct : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX www.aubreythrasher.com I fully to pay my debt XXXX XXXX I was just seeking some flexibility from them which I did not recieve. Thank you for your help. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am writing to formally request assistance regarding an unresolved issue with TD Bank concerning a recent fraud claim denial. Below, I have outlined the details of the incident : 1.Incident Summary : On [ XX/XX/year> ], I was the victim of a XXXX  on the XXXX XXXX, during which all my personal belongings, including my phone, wallet, and computer, were stolen. Among the stolen items was a book containing my debit card PIN. I usually write my pin for all accounts due to my mental health status and on this day, I left home with all my belongings due to a family issue. Upon entering the subway, I was approached by 3 guys who hackled me for a while and took all my bags and cellphone. I was upset and scared, I went back to my room and slept for 3 days. My parents realizing what happened assisted me to file a police report ( which never happened because the police still cant decide if the subway police or neighborhood precinct is responsible for filing the report. I was sent by a police officer at the XXXX XXXX XXXX XXXXXXXX NY to the bank to get a fraud affidavit. The bank representative said police always give wrong information and they can not help if the pin was used to access funds ).

2.Unauthorized Transactions : Following the theft, unauthorized transactions totaling [ {$310.00} ] were made using my stolen debit card and PIN. Despite immediately reporting the theft to TD Bank and filing a fraud claim, the bank denied my claim on the grounds that the correct PIN was used.

3.Overdraft Fees : In addition to the fraudulent charges, I have been charged over {$350.00} in overdraft fees. These fees are the direct result of the unauthorized transactions, which I had no control over due to the theft.

4.Efforts to Resolve : I have made several attempts to resolve this matter with TD Bank . However, the bank has refused to reverse the overdraft fees or reimburse the stolen funds. 

Request for Assistance : I believe TD Banks denial of my fraud is wrong and need help to address the issue to have my checking account ( XXXX ) reinstated. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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 BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: Experian Information Solutions Inc.
State: TX

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-12-04 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: FL

Complaint narrative:
DEAR XXXX XXXXXXXX XXXX XXXX XXXX XXXX ; CFPB ; I demand that this be deleted from my credit report effective today as I do not recognized this account, no knowledge and no prior contractual obligations with this company. You violated my rights rights under 15 USC codes sections 1692 d, e f g of FCRA/FDCPA. Remove from my credit report. You violated 1692d of the FDCPA by engaging in conduct that the natural consequences of which was to harass, oppress, and abuse client in connection with the collection of an alleged debt and the collection letter you sent me which contains veiled and empty threats of legal action ; You violated 1692e of the FDCPA by its use of any false, deceptive, or misleading representation or means in connection with the collection of any debt when you engaged in, at least, the following discrete violations of 1692e ; You violated 1692e ( 2 ) ( A ) of the FDCPA with its false representation of the character, amount, or legal status of any debt and the collection letter you sent me which contains veiled threats of legal action against me, the client ; You violated 1692e ( 5 ) of the FDCPA by its threat to take any action that can not legally be taken or that is not intended to be taken when you sent me the collection letter contains veiled threats of legal action against me, the client ; You violated 1692g ( b ) of the FDCPA by engaging in collection activities that overshadowed or was inconsistent with the disclosure of the consumers right to dispute the debt with the language it used in the Collection Letter ; and You violated 1692f of the FDCPA by its use of unfair or unconscionable means to collect or attempt to collect any debt when you engaged in all of the misconduct alleged herein. 
This company is reporting inaccurate and misleading information on my credit report. XXXX XXXX XXXX has a collection reporting on my credit report As a open but they haven't Provided payment history. They also have listed the last payment date for last year but are currently reporting a late payment at 120 days that makes no sense. This account is Fraud its a Volation of the fcra and the FDCPA. I have a strong case. I'll be more then happy to take this to court and sue this company for the maximum dollar amount the court will allow which is { {$10000.00} }

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
SO PREVIOUSLY I ORDERED TIRES THRU A COMPANY THAT USES XXXX. THE TIRES WERE LEFT IN A MAIL FACILITY THAT WAS UNSECURE IN MY APARTMENT BUILDING. I WAS ASKED TO PROVIDE POLICE REPORTS. IN XXXX XXXX THIS IS AN ONGOING PROBLEMS AS CRIME ARISES. I HAVE DISPUTING THIS THERE IS NOTHING ON MY CREDIT PROFILE THAT EVER SAID I DIDNT MAKE A FIRST PAYMENT. I HAVE DISPUTED THIS NUMEROUS OF TIMES AND HAVE HAD NO LUCK ITS HARASSING AND IVE SPENT MONEY IN TRYING TO REPAIR MY CREDIT. IT HAS BLOCKED FROM OBTAINING CREDIT. PLEASE STOP REPORTING FALSE INFORMATION TO THE CREDIT BUREAU. YOU RECEIVED THE POLICE REPORT. I HAVE PREVIOUSLY DISPUTED THIS AS IDENTITY THEFT. IN ADDITION THEY ARE REORTING AND ADDRESS IN XXXX XXXX XXXX THAT HAS BEEN ASSOCIATED WITH IDENTITY THEFT. I HAVE NEVER BEEN ASSOCIATED WITH THIS ADDRESS. 

Violations of FDCPA Your company has engaged in actions that constitute violations of the FDCPA, including but not limited to : XXXX. Harassing Communications : CONTIUNOUSLY REPORTING INACCURIES TO CREDIT BUREAU AFTER RECIEVEING POLICE REPORT. 
2. Failure to Provide Debt Validation : HOW CAN DEBT BE VALID I NEVER PHYSICALLY RECEIVED A STOLEN PACKAGE 3. Misrepresentation of Debt : DEFAMING MY CHARACTER AS I HAVE DEFRAUDED YOU 4. Third-Party Disclosure : SHARING FALSE INFORMATION WITH CONSUMER REPORTING AGENCIES.

These actions have caused me emotional distress, financial harm, and undue hardship, and I hold your company accountable for these violations. Demands 1. Cease All Communication Stop all direct communication with me, including phone calls, emails, text messages, and letters, as well as any contact with my family members, employers, or other third parties.

2. Compensate for Damages As a result of your violations and the distress caused, I demand monetary compensation in the amount of {$5000.00} to resolve this matter without further escalation. This amount reflects the harm caused by your non-compliance with the FDCPA and the emotional distress resulting from your unlawful practices. Notice of Escalation Failure to comply with these demands within 10 days of receipt of this letter will leave me no choice but to :

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a list of inquiries that i don't recognize and are hurting my credit approvals. I send the required information to the credit bureaus but i believe they have not done their investigation. I need these inquiries delete from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a list of inquiries that i don't recognize and are hurting my credit approvals. I send the required information to the credit bureaus but i believe they have not done their investigation. I need these inquiries delete from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Navy Federal Credit Union keeps taking my child support deposit every month and gives me no option to lower my payment or postpone payment until I get back on my feet and become employed again after recovering from an illness.

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