vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-28 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: Advantage Credit, Inc.
State: AZ

Complaint narrative:
There is an unauthorized hard inquiry on my credit XXXX credit report. The inquiry was requested on XX/XX/XXXX  from XXXX XXXX XXXX via Advantage Credit Inc. I have been unable to get this inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My XXXX is XXXX XXXX XXXX. I used Wells Fargo in XXXX nj. I do not remember my card # or account # I had to close my account atleast a year ago. I had to pay ridiculous amounts of fees totaling thousands of dollars which put me further behind in my bills. Ss # is 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 2023-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/27 Regional Acceptance used my social security number for an extension of credit, because my social security number was used I received no benefit this is proof of fraudulent activity. Fraudulent activity is unauthorized use of a credit card on behalf of Regional Acceptance I the consumer and natural person, was denied credit by Regional Acceptance. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. XXXX XXXX XXXXXXXX XXXX XXXX are subject to criminally liability for violating 15 U.S.C 1691 as I have proof what I was discriminated against by XXXX XXXX  XXXX XXXX XXXX due to the response I received. XXXX XXXX XXXXXXXX XXXX XXXX is in violation of 15 U.S. Code 1642. U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued.

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 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
IN XXXX XXXX I NOTIFED CAPITAL ONE THAT I HAD COVID IN WAS HOSPITALIZE I WAS TOLD BY TWO REPRESENTATIVES THAT THEY COULD WORK WITH ME. THEN SHORTLY AFTER I LOSS MY JOB. I NOTIFED CAPITAL ONE OF MY FINANCIAL HARDSHIP ALONG WITH THE FRAUDULENT CHARGES ON MY ACCOUNT BUT NOTHING WAS DONE. IVE CONTACTED CAPITAL ONE A TOTAL OF XXXX TIMES WITH NO RESOLUTION JUST SPEAKING TO RUDE CONTACT REPS THAT DIDNT WANT TO HELP. IM REQUESTING THIS ACCOUNT BE REMOVED FROM MY CREDIT REPORT UNDER THE CARES ACT WITH A ZERO BALANCE. IVE LOST SO MUCH DURING COVID IN IM JUST NOW GETTING IN A BETTER PLACE. IN GETTING A HOME FOR MY FAMILY THIS ACCOUNT HOLDING ME BACK. IVE TRIED SO MANY TIMES IM BEGGING FOR HELP AT THIS POINT. THIS HAS CAUSED ME TO SUFFER HUMILIATION AND EMBARRASMENT ALONG WITH EMOTIONAL DISTRESS. CAPITAL ONE IS VOLIATED 15 U.S.C. 1692 ( C ) OF THE FAIR DEBT COLLECTION PRACTICES ACT BY HARASSING ME REGARDING THIS. IVE SENT IN A TOTAL OF XXXX LETTERS TO CAPITAL ONE NO RESPONSE. 
The below listed account was charged off in ( XX/XX/XXXX THAT WAS WHEN THE FIRST CO APPEARED ). This account has since been updating as CO every single month and as you know this is a VIOLATION because charge off accounts should be dormant and have no updates in payment history following the charge off marking. Doing so also illegally updates the statue of limitations. 

*Proof is Enclosed Dates Account Reported CO : XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX That I attest that the foregoing statements and the submitted supporting documents are true and correct to the best of my knowledge in this affidavit. 
PLEASE HELP ME. 

I DEMAND THAT THIS ACCOUNT BE REMOVED FROM MY CREDIT REPORT FOR THESE XXXX REASONS AND MULTIPLE VIOLATIONS, CAPITAL ONE IS AWARE OF THIS ISSUE IN HASNT ONE TIME TRY TO CORRECTED IT. 
Name of Account : Capital One Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Per 15 U.S. Code 1681e ( b ) - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

The account from XXXX XXXX  XXXX falsely reports this account with all reporting agencies, to varying reporting information. You are reporting this account monthly CHARGED OFF as of XXXX. XXXX XXXX  issued me a 1099-C on XX/XX/XXXXXXXX   which establishes this account as taxable income. Income is NOT reported to consumer reports, thus, your reporting is a violation of the FCRA. 

This bureaus did not complete an investigation under 15 USC 1681i and the information reported inaccurate and violates the compliance guidelines set under the FCRA. 

XXXX  reported completing an investigation, however, the date the information was LAST verified was XXXX 

Equifax and XXXX did NOT provide me results as requested. XXXX made the baseless claim that my dispute did not come although the letter was addressed directly from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Per 15 U.S. Code 1681e ( b ) - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

The account from XXXX XXXX  XXXX falsely reports this account with all reporting agencies, to varying reporting information. You are reporting this account monthly CHARGED OFF as of XXXX. XXXX XXXX  issued me a 1099-C on XX/XX/XXXXXXXX  which establishes this account as taxable income. Income is NOT reported to consumer reports, thus, your reporting is a violation of the FCRA.

This bureaus did not complete an investigation under 15 USC 1681i and the information reported inaccurate and violates the compliance guidelines set under the FCRA. 

XXXX reported completing an investigation, however, the date the information was LAST verified was XXXX 

XXXX and Experian did NOT provide me results as requested. Experian made the baseless claim that my dispute did not come although the letter was addressed directly from 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 explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of 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 2023-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX  XXXX XXXX ACCOUNT # : XXXX!!! DELETE THIS ACCOUNT IMMEDIALELY!!! 
XXXX ALREADY DELETED THIS ACCOUNT OFF OF CREDIT FILE DUE TO INACCURATE & INCOMPLETE FURNISHING!!! DELETE THIS ACCOUNT IMMEDIATELY!!! 

XXXX XXXX XXXX XXXX CHANGED CLOSED DATE TO XX/XX/XXXX ) ON OLDER REPORTS THE CLOSED DATE WAS XX/XX/XXXX. HOW DID THE CLOSED DATE CHANGE? 
THE REAL CLOSED DATE IS XX/XX/XXXX ) I THINK XXXX XXXX XXXX  DID THIS ON PURPOSE OUT OF SPITE TO DAMAGE MY CREDIT FILE I HAVE PROOF ON DOCUMENT!!! VIOLATIONS!!! 
TRANSUNION & XXXX ARE FURNISHING INCOMPLETE & INACCURATE INFORMATION ON CREDIT FILE ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ITS REPORTING INCOMPLETE & INACCURATELY )!!! DELETE THIS ACCOUNT IMMEDIALELY!!! 
XXXX ALREADY DELETED THIS ACCOUNT OFF OF CREDIT FILE DUE TO INACCURATE & INCOMPLETE FURNISHING!!! DELETE THIS ACCOUNT IMMEDIATELY!!! 


XXXX VIOLATIONS : ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ) 1. XXXX THERE IS NO CLOSED DATE 2. NO NOTICE OF DISPUTE STATUS WITHIN 30 DAYS ( DIDNT PUT ANY DISPUTE STATUS WITHIN 30 DAYS OF DISPUTE ) XXXX. INACCURATE PAYMENT HISTORY IS REPORTING ( NOTHING SHALL BE FURNISHED ON REPORT AFTER CLOSED DATE ) 4. TERM LENGHT : XXXX  MONTH ( S ) ( TERM LENTH SHOULDNT BE REPORTING ON COLLECTIONS/CHARGEOFF ) 5. PAST DUE AMOUNT : {$3500.00} ( THIS IS A COLLECTION/CHARGEOFF THERE IS NO PAST DUE AMOUNT ) TRANSUNION VIOLATIONS XXXX ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ) 1. CHANGED CLOSED DATE : TO XX/XX/XXXX ( HOW DID CLOSED DATE CHANGE? THE REAL CLOSED DATE IS XX/XX/XXXX ) I THINK XXXX XXXX XXXX  DID THIS ON PURPOSE MAJOR VIOLATION DELETE IMMEDIATELY ( XXXX XXXX XXXX XXXX CHANGED CLOSED DATE TO XX/XX/XXXX ) ON OLDER REPORTS THE CLOSED DATE WAS XX/XX/XXXX. 
XX/XX/XXXX CREDIT REPORT XXXX MAJOR VIOLATION DELETE IMMEDIATELY XX/XX/XXXX CREDIT REPORT XXXX ( XXXX XXXX XXXX XXXX  CHANGED CLOSED DATE TO XX/XX/XXXX ) ON OLDER REPORTS THE CLOSED DATE WAS XX/XX/XXXX. 



2. NO NOTICE OF DISPUTE STATUS WITHIN 30 DAYS ( DIDNT PUT ANY DISPUTE STATUS WITHIN 30 DAYS OF DISPUTE ) 3. NO PAYMENT HISTORY IS REPORTING ( HOW DID YOU VERIFY, ITS NO HISTORY SHOWING ) 4. TERM LENGHT : 12 MONTH ( S ) ( TERM LENTH SHOULDNT BE REPORTING ON COLLECTIONS/CHARGEOFF ) 5. PAST DUE AMOUNT : {$3500.00} ( THIS IS A COLLECTION/CHARGEOFF THERE IS NO PAST DUE AMOUNT ) 6. PAYMENT FREQUENCY : MONTHLY ( EVERY MONTH ) ( SHOULDNT BE REPORTING ON COLLECTIONS/CHARGEOFF )

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 2023-06-28 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX  ACCOUNT # : XXXX!!! DELETE THIS ACCOUNT IMMEDIALELY!!! 
XXXX ALREADY DELETED THIS ACCOUNT OFF OF CREDIT FILE DUE TO INACCURATE & INCOMPLETE FURNISHING!!! DELETE THIS ACCOUNT IMMEDIATELY!!! 

XXXX XXXX XXXX XXXX CHANGED CLOSED DATE TO XX/XX/XXXX ) ON OLDER REPORTS THE CLOSED DATE WAS XX/XX/XXXX. HOW DID THE CLOSED DATE CHANGE? 
THE REAL CLOSED DATE IS XX/XX/XXXX ) I THINK XXXX XXXX XXXX DID THIS ON PURPOSE OUT OF SPITE TO DAMAGE MY CREDIT FILE I HAVE PROOF ON DOCUMENT!!! VIOLATIONS!!! 
XXXX & EXPERIAN ARE FURNISHING INCOMPLETE & INACCURATE INFORMATION ON CREDIT FILE ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ITS REPORTING INCOMPLETE & INACCURATELY )!!! DELETE THIS ACCOUNT IMMEDIALELY!!! 
XXXX ALREADY DELETED THIS ACCOUNT OFF OF CREDIT FILE DUE TO INACCURATE & INCOMPLETE FURNISHING!!! DELETE THIS ACCOUNT IMMEDIATELY!!! 


EXPERIAN VIOLATIONS : ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ) XXXX. EXPERIAN THERE IS NO CLOSED DATE 2. NO NOTICE OF DISPUTE STATUS WITHIN 30 DAYS ( DIDNT PUT ANY DISPUTE STATUS WITHIN 30 DAYS OF DISPUTE ) 3. INACCURATE PAYMENT HISTORY IS REPORTING ( NOTHING SHALL BE FURNISHED ON REPORT AFTER CLOSED DATE ) 4. TERM LENGHT : 12 MONTH ( S ) ( TERM LENTH SHOULDNT BE REPORTING ON COLLECTIONS/CHARGEOFF ) 5. PAST DUE AMOUNT : {$3500.00} ( THIS IS A COLLECTION/CHARGEOFF THERE IS NO PAST DUE AMOUNT ) XXXX VIOLATIONS : ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ) 1. CHANGED CLOSED DATE : TO XX/XX/XXXX ( HOW DID CLOSED DATE CHANGE? THE REAL CLOSED DATE IS XX/XX/XXXX ) I THINK XXXX XXXX XXXX  DID THIS ON PURPOSE MAJOR VIOLATION DELETE IMMEDIATELY ( XXXX XXXX XXXX XXXX CHANGED CLOSED DATE TO XX/XX/XXXX ) ON OLDER REPORTS THE CLOSED DATE WAS XX/XX/XXXX. 
XX/XX/XXXX CREDIT REPORT XXXX MAJOR VIOLATION DELETE IMMEDIATELY XX/XX/XXXX CREDIT REPORT XXXX ( XXXX XXXX XXXX XXXX  CHANGED CLOSED DATE TO XX/XX/XXXX ) ON OLDER REPORTS THE CLOSED DATE WAS XX/XX/XXXX. 



2. NO NOTICE OF DISPUTE STATUS WITHIN 30 DAYS ( DIDNT PUT ANY DISPUTE STATUS WITHIN 30 DAYS OF DISPUTE ) 3. NO PAYMENT HISTORY IS REPORTING ( HOW DID YOU VERIFY, ITS NO HISTORY SHOWING ) 4. TERM LENGHT : 12 MONTH ( S ) ( TERM LENTH SHOULDNT BE REPORTING ON COLLECTIONS/CHARGEOFF ) 5. PAST DUE AMOUNT : {$3500.00} ( THIS IS A COLLECTION/CHARGEOFF THERE IS NO PAST DUE AMOUNT ) 6. PAYMENT FREQUENCY : MONTHLY ( EVERY MONTH ) ( SHOULDNT BE REPORTING ON COLLECTIONS/CHARGEOFF )

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 2023-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XXXX, the Branch manager at the Navy Federal XXXX location seems to be retaliating against me because I attempted to file a complaint against her and her branch for the horrible service I received on XX/XX/. ( My complaint seems to have been sent to XXXX and not her supervisor ) Whenever there is a name change concern, the primary document needed is the Court issued name change form. XXXX is refusing to accept my court document stating that it would only verify a last name change and not a first name change. The Court ordered name change document verifies the FULL old name and the FULL new name. 
By refusing to accept this court document and leaving notes on my account under these inaccurate pretenses this restricts other Navy Federal locations from assisting me. XXXX has stated that the Treasury Direct guideline for branches to cash matured bonds with a name change concern is to be mailed in to be updated/reissued and that is also incorrect. Treasury Direct only requires the names verified at the branch and the old and new name be signed on the back at surrender. XXXX has also claimed that it is Navy Federal guidelines to only cash 3 savings bonds for the life of a customer 's account which is also incorrect. It just seems as though XXXX has taken every measure to assure that I am practically blacklisted from being serviced with cashing my savings bonds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: CA

Complaint narrative:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Account : XXXX I am writing to bring to your attention a serious matter regarding the debt collection company, XXXX XXXX XXXX, and their violation of the Fair and Accurate Credit Transactions Act ( FACTA ) - 15 U.S.C. 1681m. I kindly request your assistance in addressing this violation and ensuring the prompt removal of the negative account they have reported on my credit report. 

Upon reviewing my credit report, I discovered that XXXX XXXX XXXX has reported a negative account that is not mine. This inclusion of an erroneous account on my credit report is not only misleading but also has severe implications for my financial well-being. Despite my repeated attempts to rectify this issue directly with NATIONAL CREDIT ADJUST, they have disregarded my requests and have failed to take any appropriate action. 

I firmly believe that XXXX XXXX XXXX XXXX  actions constitute a clear violation of FACTA, which mandates accurate and fair credit reporting practices. Their failure to comply with the provisions outlined in the Act not only harms my financial reputation but also undermines the integrity of the credit reporting system. 

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into XXXX XXXX XXXX XXXX violation of FACTA. I urge you to take appropriate action to ensure their compliance with the regulations and to promptly remove the negative account from my credit report. Additionally, I believe it is essential to hold XXXX XXXX XXXX accountable for their non-compliance and to enforce the necessary penalties or corrective measures. 

Enclosed with this letter, please find copies of relevant documentation, including my credit report highlighting the disputed account, as well as any supporting evidence that clearly demonstrates the lack of association between me and the reported account. I trust that this information will aid in your investigation and contribute to the resolution of this issue. 

I greatly appreciate your attention to this matter. It is my sincere hope that the Consumer Financial Protection Bureau will act swiftly to address this violation, restore the accuracy of my credit report, and ensure the protection of consumers ' rights. I look forward to your assistance in resolving this dispute. 

Thank you for your time and consideration. Please do not hesitate to contact me if any further information or documentation is required.

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 2023-06-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RFNA, LP
State: TX

Complaint narrative:
That is a crystal a clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as a violation of its provisions. 
As I stated before, this is my final request for you to do as you are governed by the FCRA. If this the final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. 
I take my credit very seriously and your lack of professionalism and assistance disgusts me. I am well aware of my rights under the FCRA and intend to pursue them to the maximum I am anticipating your immediate response This letter is a request for the steps that your company took when investigating the disputed items. 
Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. 
Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. I am also requesting the date that the supposed delinquency incurred. 

you company is reporting this account as an collections when this account has been paid in full and should be reported as such your company is also reporting collections on the same date paid in full? how? when their was never a collections or default? 

provide me the following ; PROVIDE THE FOLLOWING : LICESNES TO COLLECT IN MY STATE ORIGANAL INDEBTNESS CONTRACT WITH MY WET INK SIGNATURE COPY OF THE STATUE OF LIMITATION IN MY STATE TO INSURE YOUR IN COMPLAINCE COPY OF THE PURCHASE AGGREEMENT WITH ALL TERMS ATTACHED FULL ACCOUNTANTING

Company response to consumer: Closed with explanation