vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-25 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: NY

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-25 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: 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 explanation
Consumer complaint received 2023-12-25 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XXXX has been reporting incorrect balance owed and credit utilization for Navy Federal Credit Union. Every time I dispute it they say their investigation says the information is accurate. I've disputed these inaccuracies at least 6 times and nothing changes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 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: NJ

Complaint narrative:
From Friday XXXX  to today XX/XX/, I received the mails from Experian 8 times. 

3 of them related with dispute on credit report. 

Others came from XXXX ( from XX/XX/23 ) 1 was car credit offer 2 were credit card offer 1 was asking me to check the credit score 1 was asking me to 'check out ' my 'top weekly reads. ' I attached the content of this email. However, the sponsored ad was changed when I printed out. It said originally 'Always keep a XXXX XXXX in Your Wallet or Pocket. Every homeowner should know these genius life hacks. Consumer blogs. ' There was a picture of XXXX XXXX. Other contents were same.

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 2023-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: RI

Complaint narrative:
I opened a XXXX XXXX account in XXXX I know because I bought something for my truck and then it got repo and I have proof when it got repo and it's saying I opened it in XXXX there two other credit cards saying they opened in XXXX  and they were opened in XXXX instead of being close to get off my credit it's saying it's only 3 years old I dispute them and the creditors wrote a negative remarks under each report, and I keep calling them and I'm getting no response I don't to pay them if there the problem but I'm trying to buy a house for me and my kids so I need these issues solved to get off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 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: PENTAGON FEDERAL CREDIT UNION
State: PA

Complaint narrative:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE FOLLOWING INQUIRIES AND ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TO MY REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. I am aware that some businesses might request that you also file a report with your local police. Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately.

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 2023-12-25 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE FOLLOWING INQUIRIES AND ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TO MY REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. I am aware that some businesses might request that you also file a report with your local police. Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 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: NY

Complaint narrative:
Social security number is XXXX my complaint con transunion credit report theirs three adverse negative accounts that are fraud it's supposed to be removed theirs a federal trade commission identity theft report on file. And XXXX credit report theirs is one negative account that's fraud it supposed to be removed from XXXX credit report I have a federal trade commission identity theft report on file and XXXX Credit report their is one negative item that's fraud it supposed to be removed from my XXXX Credit report theirs is a federal trade commission identity theft report on file

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 2023-12-26 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: FL

Complaint narrative:
I need your help with a serious matter related to my Equifax credit report. After checking my credit report I noticed that Equifax is listing my name and credit report as incorrect/inaccurate. 
The account on my credit report in question Account XXXX : XXXXXXXX XXXX  ; Account number # : XXXX. 
I can see that this account has a charged-off status but the report shows an overdue balance, which is a violation of the fair credit act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-25 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint.The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I wish to express my concern regarding Nelnet, a student loan collector, persistently attempting to collect an alleged debt through email. As per the Fair Debt Collection Practices Act ( FDCPA ), Nelnet is classified as a debt collector. 

Proof of receipt shows that Nelnet received my cease and desist letter via mail on XX/XX/2023. Despite the receipt of the cease and desist letter, Nelnet continues to violate my consumer rights by consistently attempting to collect the alleged debt through email. 

I am prepared to provide the necessary evidence to substantiate these claims and emphasize the direct infringement on my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was issued two American Express gift cards by my company, one for {$200.00} and another for {$50.00}. I have attempted to use these balances at XXXX, XXXX, and XXXX, all for charges less than the balance of the cards. I have had each transaction declined by the vendor. I have tried to call the AmEx customer service number to figure out why the cards have been declined, but there is no one available to speak with. Having looked online now, it seems that many others are having the same issue with being completely unable to use these gift cards for online purchases.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: WA

Complaint narrative:
This started in XXXX when payments resumed. I notified student aid that my amount was incorrect, it was too high. I was laid off XX/XX/XXXX. My payment was set at XXXX $ on edfinancial. And, they werent answering their phones ( hold times of > 8 hours which exceeded their work day ). 

Student aid reprocessed it and it should have been XXXX XXXX They sent it to edfinancial, edfinancial denied it. Told me to pay XXXX $ said that I had parent loans. ( I am the student, not the parent, these are all student consolidated loans ). Finally spoke to someone at EdFinancial in XXXX, they put me in forbearance. Agreed that my payment should be XXXX XXXX until I can file my taxes separately from my wife since I am unemployed still. Still not processed, now I owe XXXX XXXX they refused to do anything. The ombudsman refused to investigate, student aid doesnt care, edfinancial doesnt care. No one cares, its XXXX, and I never even loaned the amount I owe. 

They kept capitalizing on my loans over the last decade to double my debt from XXXX or so to XXXX. None of this is right, this is crushing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Lien Enforcement Inc
State: CA

Complaint narrative:
I have sold this car before the incident i have proof of the bill of sale and copy of driver license of the person that bought this car, also i have reported a release of liability to the dmv 3 times and also went to highway patrol to report it was not my car, they said it was fine, because i showed them my release i reported to dmv. THEY WERE VERY ABUSIVE, BY NOT LETTING ME TALK, they continue saying it is our responsability and it is our responsability, i have the proof that the car was mine only not my son XXXX XXXX, and that i have sold car to the person, I've reported in the release of liability. I'm sending you copies of this documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 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: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint.The stuff on my credit report is wrong.

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 2023-12-25 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XXXX is reporting Inaccurate information which is a violation of 15 USC 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.

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 2023-12-25 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: LAND HOME FINANCIAL SERVICES
State: GA

Complaint narrative:
i have sent many emails and correspondence wanting them to justify the late payments since under the PANDEMIC COVID RELIEF Act is was not supposed to be reported.

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 2023-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I purchased an air conditioning unit from XXXX XXXX, which was advertised as brand new. Upon receipt, the unit was found to be defective, with missing components and a significant leak that nearly caused a fire hazard. Given the condition of the product, it failed to meet the advertised specifications and expectations of a new, functioning unit. 

After discovering the defects, I attempted to return the product and obtain a refund from XXXX XXXX. My requests were consistently ignored, and XXXX XXXX refused to accept the return or issue a refund. 

In response, I filed a dispute with Navy Federal Credit Union in early XXXX, expecting them to assist in resolving this issue. Despite providing substantial evidence of the product 's defects and the merchant 's refusal to process a refund, Navy Federal sided with the merchant. 

The dispute was not about the amount charged but about receiving a defective and potentially hazardous product, which was not as advertised. Despite acknowledging the unsatisfactory quality of the product, Navy Federal cited the reason for denial as : " The amount debited by the merchant was agreed upon when services were received. While we understand that the quality of services rendered was unsatisfactory, services were performed and paid for, and there is no record of service cancellation ; therefore, we have no recourse within the dispute process to pursue this matter further. '' This response does not address the core issue of receiving a defective product. Additionally, their suggestion to resolve the matter directly with the merchant is unfeasible, as my attempts to do so were already met with refusal. 


After requesting an additional review, Navy Federal responded with : " the merchant 's bank has successfully remedied the dispute. While we understand you are not satisfied with the outcome of your claim with XXXX, we are unable to continue to pursue the merchant on your behalf via the dispute process. We can only suggest that you continue to seek resolution directly with the merchant. '' This response disregards the fact that the merchant has already denied a refund, and the bank has withdrawn nearly {$400.00} from my account on XXXX XXXX, leaving me without the funds and with a defective product.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 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: NY

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. 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 explanation
Consumer complaint received 2023-12-25 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:
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 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 explanation
Consumer complaint received 2023-12-25 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: TX

Complaint narrative:
I included my full name, social security, date of birth, address, my drivers license and my bank statements but no help whatsoever. i want it off asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 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: MD

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 reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-25 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: TX

Complaint narrative:
While checking my credit report, i was seeing alot of hard inquires that don't belong to me, of accounts that dont actually have data for the months they have reported, there's a cap in these accounts that don't actually match.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25 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: GA

Complaint narrative:
i have sent many emails and correspondence wanting them to justify the late payments since under the PANDEMIC COVID RELIEF Act is was not supposed to be reported.

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 2023-12-25 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint.The stuff on my credit report is wrong.

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