vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I assumed a VA mortgage in XX/XX/XXXX with Navy Federal. I have never experienced this level of incompetence before, from the application process through now. The latest issue I have been trying to resolve is that they paid the wrong insurance company from my escrow account. Now they will not fix their error or report back to me on how or when it will be addressed. 

I provided my home insurance policy many times per their requirements during the closing process. I had to make a payment and send them a receipt. And email them a copy of the policy. And upload it to their special insurance website. But they still paid the old company that the previous owner had, in error, in XX/XX/XXXX. Again, I assumed the loan in XX/XX/XXXX. 

I have called many times, and spent hours on the phone, and received verbal promise after promise that they swear they will fix it and call me back. Every time they tell me XXXX business days and then don't respond - so I have to call them back and start from square one. They've sent this to their XXXX, they're adding a note that I am not getting callbacks, they're noting that I'm this close to filing official complaints with their overseeing agencies. Well, now I'm filing. I am a XXXX veteran, and I don't have the ability to keep at them the way they need to be kept at. I just want the money refunded, because I never authorized my funds to be sent to the wrong insurance company. My money has been stolen from me in this case, and I want it returned to my escrow account where it belongs.

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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
Bankruptcy XXXX  XXXX Bankruptcy : Discharged Date Filed/Reported : XX/XX/2016 Reference # : XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX : {$800.00} XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$24000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
Bankruptcy XXXX  XXXX Bankruptcy : Discharged Date Filed/Reported : XX/XX/year> Reference # : XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$2100.00} XXXX  XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXXXXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$24000.00}

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 2024-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally request the correction or deletion of inaccurate information in my XXXX credit report. Despite your previous claim that the information was verified, there are clear discrepancies that require your immediate attention. 

Here are the specific issues : Incorrect Charge-Off Date : My credit report lists the charge-off date for my Credence account as XX/XX/XXXX. However, the correct date is XX/XX/XXXX. This misrepresentation significantly impacts the validity of the information in my credit report. 
Incorrect Open Date : The same account has an open date listed as XX/XX/XXXX, whereas it should be XX/XX/XXXX. The difference in these dates affects when the account should fall off my credit report, leading to confusion and potential harm to my credit score. 

According to the Fair Credit Reporting Act ( FCRA ), any information that is found to be inaccurate, incomplete, or unverifiable must be corrected or deleted promptly. I have attached a copy of my credit report from XX/XX/XXXX, which demonstrates these inconsistencies, as well as the results of a previous investigation where these errors remained unresolved. 

Given these significant inaccuracies, I request that XXXX correct these dates or delete the incorrect information from my credit report. Additionally, I ask that you send me an updated copy of my credit report within 15 days to confirm that these changes have been made. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution.

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 2024-04-26 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally request the correction or deletion of inaccurate information in my XXXX credit report. Despite your previous claim that the information was verified, there are clear discrepancies that require your immediate attention. 

Here are the specific issues : Incorrect Charge-Off Date : My credit report lists the charge-off date for my Credence account as XX/XX/XXXX. However, the correct date is XX/XX/XXXX. This misrepresentation significantly impacts the validity of the information in my credit report. 
Incorrect Open Date : The same account has an open date listed as XX/XX/XXXX, whereas it should be XX/XX/XXXX. The difference in these dates affects when the account should fall off my credit report, leading to confusion and potential harm to my credit score. 

According to the Fair Credit Reporting Act ( FCRA ), any information that is found to be inaccurate, incomplete, or unverifiable must be corrected or deleted promptly. I have attached a copy of my credit report from XX/XX/XXXX, which demonstrates these inconsistencies, as well as the results of a previous investigation where these errors remained unresolved. 

Given these significant inaccuracies, I request that XXXX correct these dates or delete the incorrect information from my credit report. Additionally, I ask that you send me an updated copy of my credit report within 15 days to confirm that these changes have been made. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: TX

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.

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 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 2024-04-26 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: CA

Complaint narrative:
Since XX/XX/2023, I have contacted Equifax multiple times about my missing credit card from their credit report. They do not acknowledge nor report my credit card from XXXX. I have contacted them over 4-5 times about this issue and they kept giving me the run-around, and it's already been XXXX months and STILL they are not reporting my credit card from XXXX. I have contacted XXXX about this twice, and each time they have told me that they have asked Equifax to report the missing credit, but Equifax refuses to do so for some strange reason. 
Both the other 2 credit bureaus, XXXX and XXXX show my credit card from XXXX. ONLY Equifax have refused to report my credit card from XXXX. I have tried calling them. I have tried mailing in forms requesting they report my credit card. Nothing. They have refused every attempt with no good reason at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of 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 2024-04-26 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: NC

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$110.00} 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 non-monetary relief
Consumer complaint received 2024-04-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: AES/PHEAA
State: ND

Complaint narrative:
I got this loan In XXXX. Have been paying on it since XXXX. The org principle was XXXX. I have paid over XXXX towards this loan and still have XXXX principle. Something is not right. It was discharged in bankruptcy, they have received the notice and they never respond to it. It's like it never happened. I have paid way over what is owed. This is a predatory loan if I ever saw one.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
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 2024-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-26 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: NC

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$110.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2024-04-26 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 wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$110.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: MA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX. 



I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2024-04-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-26 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: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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