vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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 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 2025-01-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I was told by a representative of Navy Federal Credit Union, that a XXXX XXXX XXXX XXXX XXXX  authorized themselves to withdraw funds from my Checking & Savings accounts without my authorization. This happened because I'm experiencing XXXX XXXX  ( not yet reported to IRS ), and acquired the help of XXXX XXXX on XXXX XXXX XXXX, to consolidate and satisfy my debts to Navy Federal Credit Union, as well as XXXX XXXX to which Navy Federal received and accepted on XXXX XXXX XXXX, and being that my main concern in this report is with the unauthorized actions taken by XXXX XXXX, I will not reference XXXX XXXX again in this report. 

I was initially advised by XXXX XXXX, to discontinue making payments on my debts, in order to show a pattern of delinquency, which would satisfy the debtors ' requirement for third party intervention. XXXX XXXX also informed me that they have worked with Navy Federal Credit Union many times, and XXXX XXXX has been cooperative in past processes. I wonder what is so special about my case, that XXXX XXXX made the decision to violate, or simply pretend that their agreement with XXXX XXXX did not exist? In one phone conversation with a XXXX in the XXXX XXXX XXXX at XXXX XXXX, after I challenged their authority to unlawfully take funds from my accounts, I was told that the agreement with XXXX XXXX was not valid. In a later phone conversation with a regular representative of XXXX XXXX, I was told that the agreement was honored from the beginning. 

On XXXX XXXXXXXX XXXX, an unauthorized withdrawl of {$190.00} was taken from my Primary Checking account, and deposited into my Navy Federal Credit Card account. On XXXX XXXXXXXX XXXX, another unauthorized withdrawl of {$75.00} was taken from my Primary Checking account, and deposited into my Navy Federal Credit Card account. Also on XXXX XXXXXXXX XXXX, an unauthorized withdrawl of {$320.00} was taken from my Savings account, and deposited into my Navy Federal XXXX XXXX account. 

The entire purpose of the agreement between Navy Federal Credit Union and XXXX XXXX, was to recognize my XXXX XXXX, and work together. The actions taken by Navy Federal AFTER they had already accepted communications from XXXX XXXX, and agreed to work with them, are clearly a violation of that agreement, and an attack against me as a XXXX XXXX member with Navy Federal Credit Union XXXX

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 2025-01-04 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.

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 2025-01-04 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: AZ

Complaint narrative:
Yes, my personal data and social security information was leaked multiple times over the last year. It has resulted in unknown viewing of my credit as well as inaccurate information reported to all 3 credit bureaus. 15 USC 1681 says I have a right to privacy. I feel my whole credit report is now compromised and preventing be from being able to move forward building my credit. Every attempt I have made this last year to improve my credit is been unsuccessful as I feel I am being frauded because someone else is continuously using my information. I was about to spend money I didn't have to hire a lawyer. Thankfully that lawyer was honest. He told me that millions of people were experiencing the same issues. He also showed me all of the reports and directed me here to file a complaint. I also will be writing each bureau to get these things removed immediately! Please work on better protecting our private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Yes, my personal data and social security information was leaked multiple times over the last year. It has resulted in unknown viewing of my credit as well as inaccurate information reported to all 3 credit bureaus. 15 USC 1681 says I have a right to privacy. I feel my whole credit report is now compromised and preventing be from being able to move forward building my credit. Every attempt I have made this last year to improve my credit is been unsuccessful as I feel I am being frauded because someone else is continuously using my information. I was about to spend money I didn't have to hire a lawyer. Thankfully that lawyer was honest. He told me that millions of people were experiencing the same issues. He also showed me all of the reports and directed me here to file a complaint. I also will be writing each bureau to get these things removed immediately! Please work on better protecting our private information.

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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Despite numerous attempts to dispute and correct inaccurate information on my TransUnion credit report, they have failed to adequately address the issue. Their dispute resolution process appears ineffective and I am unable to resolve these discrepancies, which are negatively impacting my credit score and potentially hindering my ability to obtain loans, rent an apartment, or secure employment.

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 2025-01-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
the following items need to be removed from my credit file reviewing my report now I see these items and they are not my accounts and should be removed besides. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. the following items need to be removed please ; Account name : XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX The following addresses is not mines and the employers information is not correct please remove. 

Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my file by removing the following items above they are incorrect

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 2025-01-04 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: Incomm Holdings Inc.
State: FL

Complaint narrative:
I was provided a visa gift card for XXXX and XXXX other occasions that were purchased from XXXX  are unable to register the card to a billing address which means that you can not use it at any merchant in-store or online as a credit you can only use it if you were doing a debit in the store and most people purchase online as I do because I am homebound due to a XXXX and XXXX XXXX so I order all of my groceries and life necessities must be ordered online and pay my bills online etc. and a family friend who is like an XXXX sends small visa gift cards as little bit of help {$25.00} or {$50.00} a few times a year. They used to work until she had to start purchasing at XXXX  with XXXX XXXX serviced by XXXX XXXX XXXX and since she has been purchasing these I cant use them. XXXX of them were refunded but now the card company is blocking calls and I read online on XXXX and several other sources that floods of people are having the same issue and it is theft because they are selling cards that can not be used and XXXX hold responsibility as well because they are selling cards that cant be used and they should be changing merchants as I even had vanilla cards that worked because you could add a billing address. The merchants decline the transaction if it doesnt have billing information. You can only use them if youre in store using a debit and due to my condition XXXX cant shop in store. XXXX is selling XXXX gift cards that are issued by XXXX, and they are distributed and serviced by IN XXXX  Financial services Who does not service them by answering the phone and providing customer service with the phone number of XXXX website my XXXX They refused to speak to customers on the phone and they dont have an area where you can send information on their website as it is Unprofessional and simplistic kindergarten type website where you can not enter information for problems. 

They need to be fined and shut down or forced to refund people that have been given these cards as they are not usable. It is left and then this company gets to keep the money and not ever pay out so it is a con.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I purchased a XXXX XXXX XXXX on XX/XX/year>. 
A tire blew up, the radio screen does not function properly, and it was sold to me with both airbags malfunction. They denied coverage for the tire, after a couple of visits the screen issue is still not solved, and the issue with the recall of the air bags has not been removed. I requested a car while the issue is fix, and thet denied it. I also requested to return or exchange and they denied that as well. 
How can I terminate this loan without jeopardizing my XXXX XXXX?. Thank you so much for prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I have previously and currently been a victim of identity theft however there are items that are listed on all three of my credit bureaus that I am unaware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Account Systems of Omaha, LLC
State: NE

Complaint narrative:
I never received any legal requests for a court hearing and never given the option to dispute. I was notified when my employer handed me garnishment papers. I setup a court date to mainly find out what I was being garnished XXXX for, when it didnt line up with anything on my current report.Also to claim head of household cause I support my spouse and the only source of income. I was told you have to have kids to claim even if the garnishment stated you had to be the provider for a family member. So 25 % hurts big time. Then I was told I can not dispute anything at that point. There still has been no documentation provided and Ive provided my mailing address. I also question if one of these debts was outside the limitation for legal action. Im glad its cleaning up my credit and its half paid but it just feels wrong and unjust. I had no time to even get legal council, the time from getting the garnishment to the day of court was maybe 2 weeks. One of the collections ins on a bank loan that has been closed and charged off. Its also still on my report as the original creditor so thats confusing as well. So am I paying an actual debt or just padding pockets. Where is the proof.

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 2025-01-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Complaint Regarding Identity Theft, Unrecognized Accounts, and Unauthorized Inquiries on Credit Reports To Whom It XXXX Concern, I am writing to file a complaint regarding errors on my credit reports with Experian, XXXX, and XXXX. I have been a victim of identity theft, and my personal information has been compromised multiple times. Consequently, my credit reports now include several unauthorized accounts and inquiries that I do not recognize or approve. I was a part of the XXXX XXXX XXXX, my information has been online and used numerous times. 

Specific Issues : XXXX. Debt in Collections : Accounts totaling in collections are present on my reports, which I do not recognize or authorize. For example, the report mentions : Source XXXX XXXX ( {$790.00}, reported on XX/XX/XXXX ) XXXX XXXX ( {$1300.00}, reported XX/XX/XXXX ). 
XXXX. Charge-Off Accounts : My credit reports also list charged-off accounts that I did not authorize, including : XXXX, XXXX ( {$120.00} XXXX opened XXXX XXXX, XXXX, and reported as charged off on XX/XX/XXXX ). 
XXXX XXXX ( {$150.00}, opened XXXX XXXX, XXXX, and reported as charged off ). 
XXXX ( {$160.00}, opened XX/XX/XXXX, and reported as charged off ). 
XXXX. Unauthorized Hard Inquiries : My credit reports list several hard inquiries that I did not authorize, including : Experian : Multiple inquiries from financial institutions like XXXX XXXX XXXX Bank, XXXX XXXX XXXX, and XXXX XXXX 
XXXX : Unrecognized inquiries from institutions such as XXXX XXXX XXXX 
XXXX : Unauthorized inquiries from institutions like XXXX XXXX XXXX XXXX and XXXX XXXX via XXXX 
XXXX. XXXX Accounts : There are open and closed accounts on my credit report for which I have no record of applying or owning, including : XXXX XXXX ( secured loans reported with balances I did not authorize ). 

Steps Taken So Far : I have contacted the credit bureaus and creditors requesting corrections and proof of the legitimacy of these accounts. However, no resolution has been achieved. 
I have also filed reports regarding identity theft to ensure that the necessary documentation is in place & signed up for credit monitoring and freezes. 

Requested Resolution : I request that all unrecognized accounts, debts, and inquiries be investigated and removed from my credit reports. 
Please ensure that my file is flagged for identity theft and that further protective measures are taken. 

This situation is affecting my financial standing and peace of mind. I request the CFPBs assistance to ensure that the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) and that my credit reports are corrected promptly. 

Thank you for your attention to this matter. 

Sincerely, 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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to XXXX, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: CA

Complaint narrative:
There are still things on my report that are not mine, Please remove these things from my report, they are fraudulent accounts and should not be on my credit.

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 2025-01-04 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: CA

Complaint narrative:
There are still things on my report that are not mine, Please remove these things from my report, they are fraudulent accounts and should not be on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
There is an ongoing issue with the payment reminder notifications. I have had them set up on my account to remind me of my payment due well in advance. This notification is not being issued. there is a separate notification for when your payment is actually due. That notification comes out whenever the payment is already late and you have been charged the fee. This has happened on more than one occasion with only one of my credit cards with AMEX. The other card works fine. This puts me in a position to have to very closely monitor my inbox and deal with lengthy conversations with Amex about this. I have reported this multiple times and they do not fix it. If this is happening to me, I am sure it is happening too many customers, and they are being charged the late fees.

Company response to consumer: Closed with explanation