vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-14 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: SC

Complaint narrative:
I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by XXXX XXXX XXXX, without my authorization, or any permissible purpose as defined under the FCRA. According to the FCRA, a consumer report can only be furnished for specific permissible purposes, such as credit transactions, employment, insurance underwriting, or other legitimate business needs. I did not initiate any transactions, applications, or business relationship with XXXX XXXX XXXX, nor did I provide written consent for my credit report to be accessed.

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 2024-07-14 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: TN

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Just received access back into my XXXX XXXX. Noticed a Capitol  One credit card affecting my credit. I have never opened a Capitol  One account and never received a card in the mail. The date listed XXXX XXXX XXXX I believe it was opened fraudulently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-14 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: FL

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-07-14 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: SC

Complaint narrative:
I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by XXXX XXXX XXXX, without my authorization, or any permissible purpose as defined under the FCRA. According to the FCRA, a consumer report can only be furnished for specific permissible purposes, such as credit transactions, employment, insurance underwriting, or other legitimate business needs. I did not initiate any transactions, applications, or business relationship with XXXX XXXX XXXX, nor did I provide written consent for my credit report to be accessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: SC

Complaint narrative:
I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by XXXX XXXX XXXX, without my authorization, or any permissible purpose as defined under the FCRA. According to the FCRA, a consumer report can only be furnished for specific permissible purposes, such as credit transactions, employment, insurance underwriting, or other legitimate business needs. I did not initiate any transactions, applications, or business relationship with XXXX XXXX XXXX, nor did I provide written consent for my credit report to be accessed.

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 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS : XXXX XX/XX/year> First Federal Credit Control XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX To Whom It May Concern, I am writing to formally instruct you to cease all communication with me immediately regarding the above-referenced account, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

Under the FDCPA, the term communication is defined as " the conveying of information regarding a debt directly or indirectly to any person through any medium. '' I would like to make it abundantly clear that I expect no further communication from you or anyone affiliated with your agency pertaining to the aforementioned account. This includes, but is not limited to, phone calls, letters, emails, or any form of indirect communication with any third parties, such as friends, relatives, or employers. This also includes reporting this debt on my credit report. 
Furthermore, I hereby request that you immediately delete any derogatory information related to this account from my credit report. Failure to comply with this request will result in me seeking compensation. For every instance of communication or violation of my rights under the FDCPA, I will assert my right to seek statutory damages of {$1000.00} per occurrence. 
Retain a copy of this letter for your records. Failure to adhere to this cease and desist request will serve as evidence should I decide to take further legal action. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX SS : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: FL

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: FL

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-07-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
I hope this letter finds you well. I recently received a copy of my credit report and after reviewing it I noticed several inaccuracies. The account in question is XXXX. With this debt I did not receive proper notification, please provide the certified mail with a receipt with my signature on there stating that I received it. 

Also based on the inaccuracies you reported are highly injurious to my credit report, credit score, and it violates my rights as a consumer. You Southwest Recovery Services ( debt collector ) could face a fine from the government or a claim from the customer that the company violated the FCRA. The government recently fined one collection agency one-half million dollars for systematic failures in determining accurate dates of first delinquency. If you do not have any documentation in your files to verify the accuracy of the information on the account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ).

By publishing this inaccurate information and unverified items on my credit report you are damaging my credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts, and accounts with systemic failures must be promptly deleted. 

In light of the above, I respectfully request Southwest Recovery Service to remove and delete the charge-off from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: SANTANDER HOLDINGS USA, INC.
State: TX

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


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. 

SANTANDER CONSUMER XXXX Balance {$12000.00} Balance updated XX/XX/year> XXXX XXXX XXXX  XXXX Original creditor XXXX XXXX  Balance {$3500.00} Balance updated XX/XX/year> XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX Balance {$2100.00} Balance updated XX/XX/year> XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Lockhart, Morris & Montgomery Inc.
State: MI

Complaint narrative:
Lockhart is trying to get XXXX bucks but I have medical insurance I was in a car wreck so they were supposed to pay for my debt didn't know it was gon na be on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
Credit acceptance FAILED TO REPORT PAYMENTS MADE DURING MY DIFFICULT TIMES IVE MADE PARTIAL PAYMENTS EACH MONTH UNTIL I CAUGHT UP, THEY NEVER REPORTED THE PARTIAL PAYMENTS I MADE DURING MY LOAN THIS IS MISINFORMATION AND NOT REPORTING ACCURACY, THEY NEVER EVER REPORTED WHAT THE AMOUNT OF ACTUALLY PAYMENT WAS MADE, SO THIS HISTORY OF LATE PAYMENTS IS INACCURATE AND MIS LEADING, AND NEEDS TO BE REMOVED

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 2024-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XXXX XXXX I notice items on my XXXX credit report without my knowledge or consent which consist of identity theft which violate my rights pursuant to Fair Credit Reporting Act ( 15 USC 1681c-2 ) and Fair Debt Collection Practices Act I filed complaint with an affidavit to the Federal Trading 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 2024-07-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AXOS FINANCIAL, INC.
State: MA

Complaint narrative:
Subject : Response to Axos Bank Regarding CFPB Complaint Case # : XXXX Dear CFPB, Thank you for forwarding Axos Bank 's response to my complaint. I appreciate Axos Bank acknowledging the need for clear communication regarding micro-deposit verification. 
However, my original complaint focused on an unauthorized debit that occurred on XX/XX/XXXX, from my external account being linked to Axos Bank while the attached Axos Bank 's response references and quotes their Online Access Agreement ( Please refer to page 17 of the Banks Online Access Agreement disclosure, available at XXXX : XXXX ) which is dated XX/XX/XXXX, and postdates the incident in question. 
My concern remains that Axos Bank did not have my authorization to debit my external account on XX/XX/XXXX, nor did they inform me beforehand about the debit from my external account during the micro-deposit verification process. 
If Axos Bank insists that I was properly informed about the debit from my external account on XX/XX/XXXX and that I had authorized such a debit, they should provide the evidence of such disclosure or authorization that had occurred on or before XX/XX/XXXX, and not after that date. 
Thank you for your continued assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: W&A Intermediate Co., LLC
State: TX

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


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. 

XXXX XXXX XXXX Balance {$12000.00} Balance updated XX/XX/year> XXXX XXXX XXXX  XXXX Original creditor XXXX XXXX  Balance {$3500.00} Balance updated XX/XX/year> XXXX XXXX XXXX XXXXXXXX Original creditor XXXX XXXX XXXX XXXX Balance {$2100.00} Balance updated XX/XX/year> XXXX Funding XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: International Computer Systems, Inc.
State: TX

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


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. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I banked with Navy Federal since 2013. I got my first credit card with them for {$500.00} and within 6 months I applied for a credit limit increase and was approved for XXXX I believe. I could be off. I was XXXX at the time. I soon applied for a loan for a car for {$12000.00} and got approved. I applied for an additional credit card a few years later and a loan to help my mother pay on her house. I lost my job and didnt have income so I was no longer able to pay on the car. The car got repossessed by the bank but 8 years later Navy Federal is making sure that this hurts my credit. It is extremely unfair, they got the car back and sold it already and I cant get approved for a place to live. Ive been homeless on and off the past 3 years of my life. XXXX XXXX now about to turn XXXX. I dont believe any of this is fair. I was told it would be removed in 7 years, its now been XXXX and they will not remove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CO

Complaint narrative:
I was given XXXX visa gift cards from prepaid XXXX XXXX about a year and half ago in XXXX. I first tried to use it at XXXX and as the instructions state : 'the initial pin is the last XXXX digits of the card '. I tried those and any other number combination I could figure and it would not work, Despite saying in underline, that it's active for Instore purchase directly on the card. Since then I've tried numerous times to use the card and register it on their website. I'm tired of having it in wallet, so today, XX/XX/XXXX, I went to the website and it says there is an error and to call the number on the card. I'm Pretty sure I've already done this process previously without any lucky. So when I do call the number, it says to enter the number on the card and says it can't find the card account and just keeps asking for me to reenter the number. There's no option to do anything else or get help. Finally, after calling back several times, I got someone after pressing XXXX for reporting it lost and stolen. The person told me I needed to use the website. I said it told me to call them. The person said I needed to fax them and gave me no Information regarding this. When I asked about it, they sped up and said XXXX sentence super fast then hung up. There is absolutely no way to fix this. It's an endless loop of call them, go do it online, call them, etc. its a scam!!

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 2024-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I've contacted XXXX XXXX several times and no resolution they refuse to remove this account that is not mine and never given type of consent for any account to open in my name I did a police report and ftc report to report these fraudulent accounts I'm constantly dispute this account because it not mine I think that identity theft is a serious situation and the fact that i been battling this for months and this so ridiculous. I'm a victim of identity theft and taking the necessary step to report it but what happen when you submit documentation and still no resolution. IM REQUESTING ALL DOCUMENTATION SIGN THAT CONSENT TO ANY KICKOFF ACCOUNNT BEING OPEN IN MY NAME WITH ME GIVING THAT CONSENT I HAVENT RECEIVED THAT YET

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
The information reporting on my credit report is inaccurate and I request it to be removed immediately. 
Navy federal credit card XXXX XXXX credit card XXXX XXXX credit card

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The information reporting on my credit report is inaccurate and I request it to be removed immediately. 
XXXX XXXX XXXX XXXX Capital one credit card Self lender credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: Self Financial Inc.
State: FL

Complaint narrative:
The information reporting on my credit report is inaccurate and I request it to be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Self lender credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The information reporting on my credit report is inaccurate and I request it to be removed immediately. 
XXXX XXXX XXXX XXXX Capital one XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation