vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
3rd request I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately delete any and all social security numbers that your company is reporting on my credit report. 
My date of birth is Date of Birth : XXXX I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
I do NOT have any requisite spouses nor roommates nor co-applicants and I do NOT desire any spouses or roommates or co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. Required identity documentation attached. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint against CACi for their apparent violation of the Fair Debt Collection Practices Act ( FDCPA ) and their failure to address my concerns regarding a debt that has been reported on my credit report without any prior notice. 

On XX/XX/2023, I messaged CACi after discovering an unrecognized debt on my credit report. I called them to open a dispute and request an itemized bill. I was unable to reach any managers, but a representative informed me that I would receive a callback. Later, I received a call and was instructed to send an email to [ company email address ] and was assured that I would receive a response within 72 hours. To ensure my concerns were addressed, I also submitted a request via their website. 

It has now been over 30 days, and not only have I not received any response to my emails or dispute request, but the debt is still being reported on my credit report. I believe CACi may be in violation of the following sections of the FDCPA : Section 809 ( a ) : Validation of Debts CACi failed to provide any written notice containing the amount of the debt, the name of the creditor, and a statement that, unless the consumer disputes the validity of the debt within 30 days, it will be assumed to be valid. 

Section 809 ( b ) : Disputed Debts Upon my dispute, CACi should have ceased collection of the debt until they provided me with the requested verification. They have not only failed to provide verification but have also continued reporting the debt on my credit report. 

I kindly request that the CFPB investigate this matter and take appropriate action against CACi for its apparent violation of the FDCPA. I also request that the debt be removed from my credit report if it is found to be invalid or if CACi continues to fail to provide the necessary verification. 

Please find enclosed copies of my correspondence with CACi as evidence of my attempts to resolve this issue. 

I appreciate your attention to this matter and look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2023-04-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 2023-04-06 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: PA

Complaint narrative:
This complaint is my follow-up to my previous complaint that contains these disputed items : XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance XXXX {$4300.00} XXXX XXXX Balance : {$2700.00} XXXX XX/XX/2022 Please remove the listed items for they are mistakenly placed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

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. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX , XXXX : # XXXX, XXXX XXXX XXXX : # 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 explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
In accordance with the fair Credit Reporting Act XXXX account # XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy. 

15 USC 1681 section 604 A section 2 : it also States a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Grain Technology, Inc.
State: IL

Complaint narrative:
I had an established relationship with the company. I paid by bill on time and ensured the credit limit was always available.

In XXXX  of XXXX  I was asked to verify my identity. this was after I had the account for almost a year. I submitted documents on their app and waited weeks for verification. the company wasn't able to verify my identity, waited weeks to respond to any questions and closed my account. Customer service is almost non-existent. yet the company continues to email me statements with a XXXX balance and credit limit. 

I am not the only person having this issue. the comments listed in the XXXX XXXX are riddled with customers who have had the same issue.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: MARINER FINANCE, LLC
State: IN

Complaint narrative:
4 months before tge covid19 country lock down I had taken a small loan out for emergency repairs, less than {$2000.00} dollars. I had made all my payments on time. Then The lock down was implemented and I had to prioritize my bills and got be & ind on this loan, I wasn't aware of the covid19 protections during this time and next thing I know they charged off the account and turned it over to there collection attorney. This has ultimately hurt my credit. Now after learning about tge protections in place last year. I emailed the original company to offer to pay the loan off from the original balance not the balance now where they are charging me a late fee still. They said no and told me to talk to there attorney, so I disputed on my credit report that the reason behind this charge off was due to natural disaster. After it was investigated I was successful and that remark was added. This helped my score enough to apply for a mortgage so we could move. After applying for one I was denied due to credit score to low so I got on XXXX to look at my report and the natural disaster remark was removed and the charge profit loss was added back. So my score tank XXXX pts plus the balance increased. This is 4 months after I was successful, the company is required to notify me by writing within 5 days I believe and I never received anything. Well I have disputed this same thing now 3 or 4 times being successful every time only to have the company have the natural disaster remark removedand a negative impact remark added. Never once do they notify me. So now I reached out to the loan originator and there attorney for a copy of the documents which the company responded by telling me to contact the lawyer which I had already done. I believe they are charging me a late fee illegally because if they aren't the ones with the loan how can a collection agency increase the balance by charging a late fee. I need agreed to pay anyone other than the company that originated the loan, and I also believe they have violated the fair credit reporting act by having my successful disput removed 4 times never notifying me. And now I can't get a loan so I can't move. Which if I'm correct about the things they've done wrong then I should take a more legal approach. I never disputed the loan itself. Just that I was affected by natural disaster which I was directly affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX and Central Portfolio have violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

I need these accounts removed from my credit report immediately and an updated copy of my credit report sent to my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/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 non-monetary relief
Consumer complaint received 2023-04-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 2023-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
On XX/XX/2023 I moved {$500.00} dollars from my Navy Federal checking account to a brand new Navy Federal Investment account I had just opened that day. When you move money Navy Federal Investment gives you a receipt that says " Thanks! your transfer is in progress. Once your transfer 's complete, it will appear in your Transaction History. Deposits up to {$5000.00} will post to your account and be available to trade with immediately. Deposit amounts over {$5000.00} will post i n about 3-5 business days. If you made a withdrawal, allow 2-5 business days for it to post to your account. Don't submit additional transfers unless you want them to be processed too. Copy the confirmation number below and save it for your records. '' The problem came on XX/XX/2023 when I moved another {$500.00} and upon reading that receipt I was under the impression that my {$500.00} was moved immediately into my investment account, especially since it was going from my Navy Federal checking account to my Navy Federal Investment account. I moved the remaining money out of Navy Federal and into another financial institution which included that {$500.00} I was under the impression had been instantaneously withdrawn from my checking account to my investment account. I was not sure what was going on when {$500.00} was withdrawn from my investment account. I contacted Navy Federal Investments. Once on the phone with them I was informed that Navy Federal Credit Union and Navy Federal Investments are two separate entities that work off two separate systems, so the Investment will ACH my Checking account and that the investment group is loaning me money until they ACH my checking account. I find the information that Navy Federal Investment gives is very vague in nature and very misleading in the information that they provide. Because Navy Federal Investment provided as little information as possible it has caused myself, and probably more users, to suffer a financial loss. A week after I discovered what happened I finally spoke with a supervisor, XXXX XXXX, who informed me that I was borrowing the money from them to trade immediately on the app, and since they had to take the money back, they sold off the shares that I had bought plus some others shares that was not bought with they money they took back. She told me that I would be hit with a {$20.00} fee at the end of the month and that she would wave this fee. This fee was never mentioned to me at all up to the point. Navy Federal Investments I feel like are taking advantage of vague and misleading information and after bringing this up to the company they have yet to resolve the issue.

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 2023-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This complaint is my follow-up to my previous complaint that contains these disputed items : XXXX XXXXXXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance XXXX {$4300.00} XXXX XXXX Balance : {$2700.00} XXXX XX/XX/2022 Please remove the listed items for they are mistakenly placed on 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 non-monetary relief
Consumer complaint received 2023-04-06 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This complaint is my follow-up to my previous complaint that contains these disputed items : XXXX  XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance XXXX {$4300.00} XXXX XXXX Balance : {$2700.00} XXXX XX/XX/2022 Please remove the listed items for they are mistakenly placed on 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 2023-04-06 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company response to consumer: Closed with explanation