vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-06 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: GA

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
Notice through my credit wise credit protection program that on XX/XX/XXXX XXXX XXXX reporting a CHARGE OFF I have never recieved a notice from National Credit Systems or even a phone call MY NUMBER HAS BEEN THE SAME FOR YEARS AS WELL NOTED ON ALL THREE CREDIT BURRUS I also never recieved info from there client Green Leaf Lotus as a mater of fact I was inquiring about my return of my deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: EQUIFAX, INC.
State: KY

Complaint narrative:
Equifax continuously reports the following account as Charged Off as of XXXX. XXXX, XXXX, XX/XX/XXXX, and every month prior for the past few years. This negligence on Equifax 's part, and allowing any agency to break the law according to the FCRA is illegal as well. Since then the account has repeatedly been updated as Charged Off ( CO, CO, CO, CO... ) every month. This account is updated in the payment history, and to my understanding charged off accounts should Not be include as an Active payment history. This falsely manipulates the statute of limitations, and is not in accordance with the laws of Fair Debt Collection Practices Act ( FDCPA ). I am demanding the deletion of the following account off my credit report : XXXX XXXX last Report Date : XXXX. XXXX, XXXX ( Re-aging accounts is illegal ), Acct. # XXXX XXXX, Account Balance- {$2300.00}. A Charge Off account should not have a Balance, nor should they have an active payment history. This is false manipulation of the statute of limitations on these accounts. Resetting the statute of limitation on a debt every month is illegal according to 15 U.S.C. 1681c ( a ) ( 5 ). Delete this account now and mail me a corrected copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-08-06 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: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Scott Fetzer Financial Group Inc.
State: IL

Complaint narrative:
I am a victim of ID theft which I have disputed this account and also sent a copy of my police report this company still send me a bill and reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: GA

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: CA

Complaint narrative:
I was looking over my credit report XX/XX/year> and found some addresses that appear to be incorrect. And according to the fair credit reporting act 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. 

Experian continue to report my name, my address and phone number incorrect on my credit report. 

Incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
15 U.S.C. 1692g - Validation of Debts : Your company failed to provide me with proper validation of the alleged debt within the required time frame. 
I demand that you promptly provide me with the necessary documentation to verify the validity of this debt, including details of the original creditor, the amount owed, and any relevant account information. 
0. 15 U.S.C. 1692c - Communication Restrictions : Despite my explicit request, your company continued to contact me regarding this debt without providing the required validation information. 
I insist that you cease all communication related to this debt until you have fulfilled your obligations under the FDCPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: NAVY FEDERAL CREDIT UNION
State: AR

Complaint narrative:
My Navy Federal prepaid card was stolen, and funds were taken from my account. I filed a dispute with Navy Federal XX/XX/year>. I was charged for express shipping and also charged an additional charge for a replacement card. {$2500.00} was stolen, and immediately after I filed dispute, Navy Federal froze my account. They never shipped my replacement card, and they also closed my account and removed my remaining funds, with no explanation via mail or email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-06 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 contacting you regarding fraudulent personal information falsely linked to my identity. Unauthorized accounts and transactions have been wrongly attributed to me, causing significant distress. I am a victim of identity theft and have already reported this incident. 

This situation has severely impacted my financial standing and personal reputation. I urgently request your immediate assistance in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I stand ready to provide any necessary evidence to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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 2024-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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 non-monetary relief
Consumer complaint received 2024-08-06 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: NV

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove this inaccurate account in my file. 

XXXX XXXX XXXXXXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: TN

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I reviewed my credit report from XXXX and I saw that you have recently began to report me 30 & 60 days late on this account : XXXX. 


I also stated that I have previous credit reports from the XXXX that reflect my account accurately, as paid on time. I explained that I was I never late on this account, and I never received notice as required by the FCRA that you were going to report negative information to my credit file. Furthermore, I stated that I immediately disputed the late payment to the creditors and that they said you verified the late to them. As of the date of this letter I have not received a response to my request. Why are you ignoring me? I will not just forget about it. 

This is my several request to you to correct this in writing. The several attempts by phone were never successful either, as you out source to XXXX and they promise corrections that never happen. I tried numerous times to get my statements from you, but never received them. 
XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
Re : Complaint Against DEPT OF ED/AIDVANTAGE Account # : XXXX Dear CFPB Representative, I am writing to formally lodge a complaint against DEPT OF ED/AIDVANTAGE regarding the account referenced above. I believe that DEPT OF ED/AIDVANTAGE has engaged in improper and potentially illegal debt collection practices that have adversely affected my consumer rights and financial standing. 

Request for Documentation : I am requesting that DEPT OF ED/AIDVANTAGE provide the following documents : The original promissory note for the account. 
The original instrument of indebtedness that proves I owe the debt. 
Without these original documents, there is no evidence that I owe any debt to DEPT OF ED/AIDVANTAGE. Consequently, DEPT OF ED/AIDVANTAGE must cease reporting this account on my credit report. The continued reporting of this account without the necessary documentation constitutes an illegal action that is damaging to my credit score and financial well-being. 

Cease Reporting : In the absence of the original promissory note and the original instrument of indebtedness, DEPT OF ED/AIDVANTAGE is required to stop reporting this account on my credit report. Their failure to provide these documents and their continued reporting of this account are in violation of my rights under the Fair Credit Reporting Act. 

Given these concerns, I respectfully request that the Consumer Financial Protection Bureau investigate DEPT OF ED/AIDVANTAGE 's practices and take appropriate action to ensure they comply with federal laws and regulations. Additionally, I seek the removal of the incorrect collection entry from my consumer report and any other remedies that the CFPB deems necessary to rectify this situation. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I received a snail mailed correspondence a few days before Capital One closed my small business checking account. This one page letter was sent only 2 weeks before my business account was set to be closed. However, I had both pending deposits, debits, incoming ACHs etc. I called Capital One over the weekend, frantically, trying to figure out what rules governing deposits had caused this issue. I could only get someone that handled personal accounts. They could not provide any useful information. Then I called XXXX banking on Monday, and after asking for a supervisor, I spoke to XXXX ( # XXXX ) on the XXXX XXXX Advocacy team. He explained the account was being closed because documents were missing. This account had been opened since XXXX of 2024. Then I recalled speaking with someone named XXXX XXXX back in XXXX of 2024, who had asked me for documents confirming our physical address. She provided a XXXX party website that did not appear to belong to Capital One, called XXXX. This website requested that I register, and I did. She asked that the documents be uploaded in 30 days. I uploaded the documents w/n that timeframe ( screenshot attached ). Once I completed this task as requested, I did not think I had to follow up to make sure incompetent people wouldn't close the account in the future. I was shocked to discover my account was going to be closed since I had followed Capital One 's instructions. This caused grave disruption to my XXXX  XXXX, which is 100 % of my income. I had pending debit charges and incoming ACH that hadn't fulled cleared. They were returned, which resulted in additional fees that I can not afford. Now I am unable to cover both business and personal expenses. I logged back onto XXXX and emailed all the people that appeared to have access to my uploaded document ( XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX ). No one responded to several emails asking them to resolve this error and not close the account. They proceeded anyhow. This has been extremely disruptive and has caused my business grave harm. No proper explanation was ever provided. This is bad banking and should be addressed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am contacting you regarding fraudulent personal information falsely linked to my identity. Unauthorized accounts and transactions have been wrongly attributed to me, causing significant distress. I am a victim of identity theft and have already reported this incident. 

This situation has severely impacted my financial standing and personal reputation. I urgently request your immediate assistance in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I stand ready to provide any necessary evidence to support my claim.

Company response to consumer: Closed with non-monetary relief