vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
As a federally Protected civilian/consumer/natural person I DEMAND these accounts be removed! The information listed, which appears on my credit report, does not relate to any transaction ( s ) that I have made. You/reporting agency are in violation pursuant to 15 U.S. code 1692d ( 1 ), 15 U.S. code 1692j ( a ), 15 u.s code 1692e ( 1 ) ( 2a ) ( 3 ), 15 U.S. code 1692c ( a ) for helping to facilitate entities/companies to commit fraud.

You/reporting agency are also in violation pursuant to 15 U.S. code 1681r for sharing/communicating my private civilian/consumer/natural person file to other unknown entities without my consent. If this is not resolved Within XXXXdays of receiving the FTC Affidavit I will take lawful action ordering judgment against you and the Debt collector under 15 U.S. code 1692k for damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I contacted Equifax and explained my reason for contacting them. The representative told me that I needed to send in an FTC report and a form of ID, which I did & nothing has been done to fix my credit report. There are a few fraud inquires that I requested deleted but they are still there. Please delete this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA

Complaint narrative:
On XXXX XXXX I went to Nissan of XXXX in seek of a vehicle where I was approached by a salesman who ran my credit to see if they were any vehicles available for my credit since i have had a reporting repo session, I also provided a down payment that I as the consumer and natural person had to provide in exchange for property for personal use. This company has failed to fully disclose information related to my retail installment contract ; the finance charge is the sum of all charges 15 USC 1605 and included down payment, this company has taken {$1700.00} cash legal notes and have provided the credit of {$1700.00} on the consumer credit transaction which is deceptive and misleading practices. XXXX Nissan have not to mention have run my credit with multiple banks and have used various addresses on multiple applications to find a lender in extending credit on my behalf. This had led to the reporting of inaccurate information to the credit reporting agencies I have never been a XXXX or XXXX resident which are reporting the same dates as me opening the retail installment contract which is fraud on my behalf unauthorized use of credit card defined by Congress states is identify theft. This is criminal and unlawful fraud practices I have been initially affected by this.buyer was not clearly and conspicuously informed of Sellers true intent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I did not give these companies permission to view my consumer report. 

CITIBANK XXXX, BEST BUY XX/XX/2020

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 2021-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX OF 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about this complaint. 

( XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Garcadia Financial LLC
State: TX

Complaint narrative:
This is a written communication from XXXX XXXX XXXX a consumer which means a natural person pursuant to XXXX U.S.C. XXXX ( XXXX ), I represent myself and there is no third party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, XXXX USC Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Date Updated : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX and Equifax are both reporting an old XXXX XXXX account in the status area as a charge off. The account was paid in full. The creditor XXXX XXXX has provided me with a letter that reflects that this account is paid in full and is not a charge off. I have tried to dispute this with both credit reporting agencies and upload the letter I received from the creditor that reflects the status is not a charge off. But I get an error message and it will not allow me to provide the documentation directly from the creditor. The creditor XXXX XXXX has also advised me that they have requested both XXXX and Equifax of this, but there has been no change in the reporting as of XX/XX/2021. I dont understand why both XXXX and Equifax will not correct the inaccurate information being reported on my credit reports. Especially with a letter request directly from the creditor and the creditor reaching out to both reporting agencies advising them that the information being reported is incorrect This inaccurate information has caused direct financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Im XXXX Kohls charge did not have a full mobile website and lacked many features that allowed customers to make payments in time ( ie scheduling a payment, reoccurring payments ). They also did not have timely notifications in place, and did not email you until after grace period was passed and you incurred a fee. I contacted Kohls during this time as they waived most late fees as a result, but they refused to correct a late payment reported to the credit bureaus, despite acknowledging the kohlss driven issues and reversing late fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of XXXX XXXX. The Equifax XXXX XXXX failed to comply with Fair Credit Reporting Act, XXXX USC sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$640.00} Date Opened:XXXX XXXX XXXX Balance Owed : {$1800.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$2400.00} Date OpenedXXXX XXXX XXXX Balance Owed : {$900.00} XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im disputing factual data based on information from my credit monitoring service. The company in question is XXXX XXXX, it is the duty of the credit bureaus to report accurate & correct information Equifax : The account type is blank & date last paid is inconsistent with the data against XXXX & Equifax. Its also showing blank information for the account type for the but the other XXXX bureaus have information, in addition the credit limit is blank. This needs to be deleted XXXX : There is no high credit balance listed on the report but there is XXXX with the other XXXX bureaus. Please delete as this is incomplete & inconsistent with whats being reported XXXX : The date that the account was opened doesnt match the other XXXX reporting bureaus. Please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the account listed below is still reporting on my credit report in violation of Federal Law. Equifax failed to comply with Fair Credit Reporting Act, XXXX USC sections XXXXi within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Card Acquisitions Group
State: AL

Complaint narrative:
I received a credit notification today XXXX that this company has added a collections. However I did not received a right to dispute. I not even sure what they are collecting for as I have not obtain any debt or opened anything in years. This is a violation of my customer rights and illegal to add to my credit report without giving me the option to dispute or even know what this is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im disputing factual data based on information from my credit monitoring service. The company in question is XXXX XXXX, it is the duty of the credit bureaus to report accurate & correct information XXXX : The account type is blank & date last paid is inconsistent with the data against Transunion & XXXX. Its also showing blank information for the account type for the but the other XXXX bureaus have information, in addition the credit limit is blank. This needs to be deleted XXXX : There is no high credit balance listed on the report but there is XXXX with the other XXXX bureaus. Please delete as this is incomplete & inconsistent with whats being reported Transunion : The date that the account was opened doesnt match the other XXXX reporting bureaus. Please delete

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im disputing factual data based on information from my credit monitoring service. The company in question is XXXX XXXX, it is the duty of the credit bureaus to report accurate & correct information XXXX : The account type is blank & date last paid is inconsistent with the data against XXXX & XXXX. Its also showing blank information for the account type for the but the other XXXX bureaus have information, in addition the credit limit is blank. This needs to be deleted Experian : There is no high credit balance listed on the report but there is XXXX with the other XXXX bureaus. Please delete as this is incomplete & inconsistent with whats being reported XXXX : The date that the account was opened doesnt match the other XXXX reporting bureaus. Please delete

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 2021-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc.
State: IN

Complaint narrative:
The agency " State Collection Service " is in violation of the Fair Debt Collection Practices Act, the agency claims that I owe a medical balance of {$330.00} for an account that was put in collection due to XXXX XXXX XXXX XXXX in XX/XX/XXXX, I was contacted in XXXX of XXXX stating that I owed this bill from XXXX XXXX, the state collection agency failed to provide written notice of the bill amount, and failed to inform me that I was able to dispute this transaction within thirty days of receiving a statement. Their phone number is XXXX. Within a week of being contacted the collection agency put my debit in collections and have impacted my XXXX XXXX. I then contact XXXX XXXX XXXX XXXX and was informed by XXXX representatives that the {$330.00} charge was actually a service " adjustment '' from the insurance company and that the hospital had no record of my bill being put into the collection. The collection agency claimed that they provide notice to my apartment in XXXX however, I lived in the apartment until XXXX of XXXX, I then moved to XXXX and had my mailed forward up until XXXX of XXXX. Over a recorded line of the state collection agency, I asked the agency to provide proof of when they sent a statement and the agency had no record of providing me with a notice that I had a debt in collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I requested on XX/XX/XXXX, that TransUnion re-investigate inaccurate information on my credit report. The inaccurate information was in my opinion never reinvestigated and the information still shows on my report. This is troublesome and has cause a great deal of stress for me and my family. Under the FCRA, I thought these bureaus can only report 100 % accurate information. I sent letters to the creditor and credit Bureaus on XX/XX/2021. I patiently waited 45 days before reviewing my information only to see that the inaccuracies remain. The balance due, last date reported and last date of activity are all wrong.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Marlette Funding, LLC
State: AZ

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with Best Egg on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge should include all fees associated with the extension of credit. Best Egg charged me an Origination fee separate from the finance charge. XXXX XXXX Bank is listed as the Lender in this consumer credit transcation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I opened a " select checking account '' at Santander on XX/XX/2021. The promotion stated that the first business day after account opening was considered the " account opening date ''. Since XX/XX/2021 was a Friday, that meant that the following Monday XX/XX/XXXX was the official account opening date. I signed up for a promotion that required that I make a total of {$6000.00} in direct deposits within 90 days of account opening, to get a {$400.00} deposit to my account. I met the requirements on XX/XX/2021. The rules stated that I must wait 30 days from the last deposit I made, which was today, XX/XX/2021. I did not receive the {$400.00} that is due to me. I was also charged a {$25.00} fee that I would not have been charged had I gotten the {$400.00} deposit. 
I kept my end of the deal, Santander did not. Please deposit the {$400.00} to my account as well as the {$25.00} refund.

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