vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/XXXX, I received a notification that there was suspicious activity on my crypto wallet in XXXX. Upon logging in, I discovered that there were close to {$5000.00} worth of unauthorized transactions. Immediately, I locked my card and contacted XXXX, where I was connected with a customer support representative named XXXX. Unfortunately, XXXX was not helpful and directed me to contact my bank, Navy Federal. 

Following XXXXXXXX XXXX advice, I promptly reached out to Navy Federal and submitted a fraud claim on the same day. I was informed that the investigation could take up to 90days to be completed, with the possibility of receiving a provisional credit within 10 business days. 

After two weeks had passed, I decided to call my bank for an update, only to be told that the investigation was still ongoing and that I needed to exercise patience. However, shortly after ending the call, I received an email from Navy Federal stating that the fraud claim had been closed and no error had been found. This prompted me to immediately contact the bank again. 

During my conversation with the bank, I was informed that my case was being transferred from fraud to disputes, and that I should expect a response within 2-3 business days. However, the allocated time passed without any communication, leading me to call the bank once more. This time, I was told that I needed to personally go back to the bank and submit a dispute claim. Naturally, I became extremely upset and frustrated with the situation. 

In an attempt to find assistance outside of my bank, I turned to XXXX and was directed to this platform. I sincerely hope that someone here can provide me with the necessary help and guidance to resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I was tricked into signing a bad car deal and wasnt giving any of the information I asked for to take the proper measures to get my car and they where requesting large amounts of money from me and threatening to take my vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 2024-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: DISCOVER BANK
State: NY

Complaint narrative:
About XX/XX/XXXX while recovering from a major XXXX, I discovered that my credit score has dissappear it read " XXXX ''. After reaching out to counselors I called Discover Bank for their {$200.00} Security deposit Credit card and after I received the card I was advised to pay another {$200.00} to to offer a total of {$400.00} credit. About XX/XX/XXXX I decided since I already have XXXX Score I no longer need a Secured credit card and I canceled with a positive balance of {$270.00} left on the account. Now I am facing lots of harassing calls from Discover Bank over a card that is canceled, they are claiming the positive balance left on my account before closing is a debt because I moved from my old address in XXXX, FL where I underwent XXXX to XXXX XXXX XXXX XXXX XXXX back to XXXX XXXX XXXXXXXX Zip XXXX. Now a Discover Bank representative is claiming I made XXXX, FL lose as best place and Zip code to XXXX NY and that my Credit Scores and history is what will pay for making the move back to XXXX. I consider this a treacherous mockery of my freedom and liberty and I want {$18.00} XXXX from Discover Bank for deliberately spearheading damages to my credit score when I was coping with XXXX and now pressuring me for lewd relationships over the phone for moving to XXXX XXXX XXXX Zip XXXX. My credit score is now XXXX. ** I want Justice **

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: Shellpoint Partners, LLC
State: CT

Complaint narrative:
I have disputed this account XXXX reported by NR/SMS/XXXX aka NewRez dba Shellpoint Mortgage Servicing to let them know that I have opted out of reporting and that they are violating my rights to privacy as a consumer per 15 USC 6802-obligations with respect to disclosures of personal information. So I am taking this complaint to the CFPB for remedy pursuant to 15 USC 6805 to enforce the law. I am also attaching my documentation to this claim. They usually use stall tactics to say they need more time to investigate and they are reporting false and misleading information. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), they are required by federal law to verify through physical verification of the original signed consumer contract which they have failed to do so. I am seeking the removal of this inaccurate reporting and breach of my consumer privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: AZ

Complaint narrative:
Please remove the fraudulent personal information from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identified as Identity Theft from my consumer 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 2024-03-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rigths to privacy and confidentiality under 15 usc 1681. The accounts below have violated my rigthts 15 u.s.c 1681 section 602 A. States i have the rights to privacy. 15 u.s.c 1681 Section 604 A section 2, It also states a consumer reporting agency canoot furnish a account without my written instructions 15 u.s.c 1681 c. a ) 5 Section states ) no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adeverse tem of information, other than records of convictions of crimes which antedates the report by more than seven years 15 u.s.c 1681 s-2 A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Delete the accounw below Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
After having zero late and/or failed payments for over decade with this store card, I received a letter in the mail from Target ( TD Bank ) stating that they are about to send my debt to a collection agency. Alarmed by the letter, I immediately logged onto the website and made a full payoff payment as I have done whenever a payment is due. It took only minutes to confirm that my requested auto pay was not put into place as requested the month before. I called Target card customer service directly and they advised there was an error in putting the auto pay in place and they will waive the late charge as a result. Without even initially asking, they brought up they could not stop or correct the 30 days late on my credit but only was going to help me set up the auto pay again. The call resulted in no help for what was clearly even more alarming than I realized prior. I pulled my credit and found the same for XX/XX/year>2023, so I emailed an escalation to the creditor only to receive a response that they were sorry I didn't get the email stating that they hadn't received the payment. I looked and found no such email received at the time. Now I am left with an apology, late charge credit for the issue and an unwarranted 30-day mark on my credit report for the next 7 years. I tried to address this with the creditor over the course of several months with the same result. I feel I was put into a false since of security at the time that has since been acknowledged by the creditor, but that I must deal with it for the years to come. I have always paid my bills and it was with auto pay I thought it would ensure the trend would continue. The creditor has left me with the only late payment on my credit for what has always been a 100 % payment history for all my creditors. Looking at message boards, it seems that Target card holders have faced the same for years. Given the feedback received from Target to date, it is my belief they failed to address the issues related to the FCRA ( and other related federal legislations ) and didn't act in good faith to protect against negligence towards the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Quality Asset Recovery LLC
State: TX

Complaint narrative:
I am formally complaining against Quality Asset Recovery regarding their persistent failure to respond to my repeated requests for validation of a debt they claim I owe. Despite my diligent efforts to obtain the necessary information, Quality Asset Recovery has remained unresponsive, disregarding their obligations under federal consumer protection laws. 

In summary, after receiving notices from Quality Asset Recovery asserting my indebtedness, I promptly sought validation of the alleged debt. Pursuant to the requirements outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Health Insurance Portability and Accountability Act ( HIPAA ), I sent multiple written requests to Quality Asset Recovery seeking : 1. An itemized breakdown of the debt, including all fees, collection costs, and medical charges. 
2. Documentation demonstrating my authorization for the release of my medical information to their agency by the original service provider. 
3. Immediate cessation of any reporting of the disputed debt to credit bureaus until its validation. 

Despite my clear and specific requests, Quality Asset Recovery has failed to provide any of the requested documentation or acknowledgment of my inquiries. Their consistent lack of response not only disregards my rights as a consumer but also obstructs my ability to address and resolve this matter effectively. 

Consequently, I am left in a state of uncertainty and vulnerability, unsure of the validity of the debt in question and unable to take appropriate action to rectify the situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2023 I received a letter from a home loan, this lender disclosed questionable & inaccurate information. I have an application number for record ( please contact me ). The credit report was furnished by Equifax disclosure department, XXXX XXXX XXXX, XXXX, GA XXXX, www.equifax.com/fcra stating the following factors that affected my credit score bankruptcy scores disclosure read as XXXX. 
I must dispute this due to the fact I have never filed for bankruptcy in my entire life so I know there's something incorrect. My husband XXXX of XXXX years of marriage we both have never filed bankruptcy so I would like to address this problem with the furnishers. Perhaps someone else is using my identity I'm also not military nor a spouse of any XXXX XXXX military and I never been overseas international. XXXX along with XXXX they can stop reporting me as negative due to the following reason that reads Utilization of accounts, number of accounts, and/or occurrence of a derogatory event. All my bills are on time good/current as of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have disputed inaccurate information with the credit bureaus and have yet to get any updates from them regarding this manner. It has been well over 30 days since I have contacted them and I have yet to hear back from them. I sent letters off to them on XX/XX/2024. I feel like I am being taken advantage of and that my situation is not being taken seriously. According the FCRA any accounts that are unverifiable and inaccurate must me removed immediately. I also was impacted by the XXXX data breach. If this matter isn't resolved I will be forced to file litigation due to the stress this is causing me. Thanks for your help with this matter.

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 2024-03-13 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: CO

Complaint narrative:
On XX/XX/XXXX, I initiated a dispute with Experian, requesting verification of the aforementioned account and the correction of any inaccurate information, or alternatively, its removal from my credit report. According to the FCRA, particularly under Section 611 ( 15 U.S.C. 1681i ), a consumer reporting agency is required to conduct a reasonable reinvestigation within 30 days of receiving a dispute to determine the accuracy of the information in question. As of the Experian report dated XX/XX/XXXX, the inaccuracies remain unaddressed, exceeding the statutory time frame. Given that the requisite period has elapsed without rectification or deletion of the disputed information, I am now demanding its immediate deletion in accordance with FCRA guidelines. 

In relation to the challenges I am facing with Experian and the inaccurate information on my credit report, case law reinforces my stance and the importance of compliance with FCRA mandates. The decision in XXXX XXXX XXXX ( XXXX ) held consumer reporting agencies responsible for ensuring maximum accuracy of credit reports, in alignment with FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ). Furthermore, XXXX XXXX XXXX XXXX ( XXXX ) affirmed the obligation for a reasonable and diligent investigation upon the disputing of reported information by a consumer. 

The failure to make the requisite corrections on my report is reminiscent of the situation in XXXX XXXX XXXX XXXX XXXX ( XXXX ), which emphasized the duty of credit bureaus to revise or eliminate information that could not be verified post-dispute. These cases collectively demonstrate that the dismissal of verified disputes or the insufficient investigation of such disputes does not stand up to legal scrutiny and is a breach of the duties imposed by the FCRA. 

Considering these legal precedents, it is clear that Experian is compelled to address disputed information with diligent and reasonable investigation and, failing that, to remove the unverified information to maintain the integrity of credit reporting as mandated by law.

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 2024-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I've consistently maintained on-time payments for this account, never allowing them to be overdue. I'm uncertain about the reasons for the late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It seems that FCRA 605B necessitates the elimination of any inaccurate accounts from my credit report. Could you kindly verify the documents? Certain listed accounts appear to be inaccurate, and it's unsettling for me.

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
It seems that FCRA 605B necessitates the elimination of any inaccurate accounts from my credit report. Could you kindly verify the documents? Certain listed accounts appear to be inaccurate, and it's unsettling for me.

Company response to consumer: Closed with non-monetary relief