vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The credit reporting bureaus, all 3, are in accurately reporting on credit checks when I was purchasing my house in XXXX, last year, between the months of XXXX through XXXX. 

I had a pre-qualifying checks pulled in XXXX, XXXX, XXXX and again in XXXX. The credit agencys are reporting these individually which is affecting my score. 

Multiple inquiries from different lenders are typically counted as only a single inquiry as long as theyre made within the same 14 to 45 days.

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 2023-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
original date of debt is XXXX. I first contacted XXXX XXXX XXXX XXXX  to let them know i was involved in an accident and would not be able to use the membership per my doctor. I sent them the doctors note. Months later this was on my credit sold to AARGON COLLECTION AGENCY. I then contacted them and also sent the same letter. They did not remove this account. I then disputed this several times and have yet to receive a statement of this account with my wet signature from the original creditor, XXXX XXXX XXXX XXXX. Original balance stated on my credit report is {$880.00}. It is now showing past due {$1100.00} as of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 non-monetary relief
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX  Federal Trade Commission XXXX XXXX XXXX, XXXX Washington , DC XXXX I do not feel the actions of my auto financer are fair. They report every blemish, and when I pay the car off they remove all the account, its gone, no bad or good credit. 
Nridgecrest reported every flaw when late and pulls the record when I pay it off, im dependent on the score, it would at least tell creditors its paid. 

XXXX XXXX XX/XX/

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am notifying the CFPB that my identity has been stolen and used for fraudulent purposes. 
When I rst noticed when my identity had been compromised I placed a fraud victim alert on my XXXX, XXXX XXXX and Equifax credit report on XX/XX/20. However because I wasn't able to recognize exactly when my identity got stolen I experienced several problems as of the result of this theft. It seems like the perpetrator opened several accounts in my name as well as somehow misrepresenting some of my personal information on my credit report. The account listed below were not open by me : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX The personal information listed below is also in error : NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX I still dont have any informationon who this theft is but I will update identityTheft.gov when i found who.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
ION XX/XX/XXXX  I RECIEVED AN EMAIL FROM PRE-PAID BANK OF AMERICA CONFIRMING THAT I AUTHORIZED A PIN CODE CHANGE TO MY EDD DEBIT CARD. IT HAS BEEN OVER 14 MONTHS SINCE I HAVE SEEN OR USED MY BANK OF AMERICA EDD CARD. I ASKED BANK OF AMERICA EDD *WHY WOULD BANK OF AMERICA PUT XXXX ON A CARD THAT HAS NOT BEEN USED IN OVER 14 MONTHS *HOW WAS THE CARD AUTHORIZED TO MOVE OVER XXXX TO A XXXX XXXX ACCOUNT THAT DOES NOT MATCH MY NAME NOR ADDRESS * BANK OF AMERICA DID NOT RESPOND TO ANY OF MY QUESTIONS. I NEVER RECIEVED ANY COMMUNICATION REGARDING THE STATUS OF MY CLAIM SO I CALLED BANK OF AMERICA ON XX/XX/XXXX  TO CHECK THE STATUS OF MY CLAIM AND I WAS INFORMED THAT MY CLAIM WAS DENIED... 
* THEY HAVE NOT PROVIDED ME WITH ANY REASON OR HOW ARE THEY CONVINCED THESE ARE MY CHARGES THAT I MADE. 

THE EMAIL REGARDING MY PIN CHANGED WAS SENT ON THE XXXX  OF XX/XX/XXXX  HOWEVER I DIDENT ACTUALLY CHECK MY EMAIL UNTILL THAT NIGHT OF XX/XX/. AND THE FRAUD CHARGES HAD ALREADY HAPPEN. I HAVE FILLED A CLAIM WITH BANK OF AMERICA AND WOULD LIKE TO PURSUE INVESTIGATION INTO WHO PLACED THESE CHARGES. MAYBE A IP ADDRESS OR VIDEO FOOTAGE FROM XXXX XXXX XXXX MIGHT HELP FIND WHO HAS DONE THIS TO ME THE FOLLOWING CHARGES WERE UNAUTHORIZED AND FRADULENT CHARGES XX/XX/XXXX  XXXX XXXX XXXXXXXX {$5000.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$5000.00} XX/XX/XXXX  XXXX XXXX XXXX XXXX {$500.00} XX/XX/XXXX  XXXX {$150.00} XX/XX/XXXX  XXXX {$270.00} XX/XX/XXXX  XXXX {$220.00} XX/XX/XXXX  XXXX {$130.00} XX/XX/2023 XXXX {$200.00} XX/XX/2023 XXXX {$280.00} XX/XX/20XXXX XXXXBILL PAYMENT {$860.00} ACCOUNT ENDING IN XXXX FRAUDULENT TRANSACTIONS 11 TOTAL FRAUDULENT CHARGES {$13000.00} XXXX XXXX  TRANSFER PRE PAID BANK OF AMERICA CLAIM NUMBER XXXX have reached out to bank of america pre paid and filled a claim and recieved confirmation of claim on XX/XX/.

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 monetary relief
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have waited 30 days to see changes to my credit report, and there were none. I sent information to Experian and XXXX regarding the reporting of the bankruptcy that is showing on my credit report and both Experian and XXXX stated that they verified the account by sending me correspondence that it was accurate based on what was reported from the bankruptcy court. I received correspondence from the courts as well stating that they do not provide information to any of the bureaus regarding validation so that means Experian and XXXX lied. 

XXXX : Account number : XXXX, The filing date is incorrect and also reporting another Account Number : XXXX which is incorrect, inaccurate, and unfair reporting. 

This is really stopping me from rebuilding credit. How can I rebuild credit if these inaccurate accounts keep reporting negatively? Can you answer that for me? How is that possible to verify these accounts as accurate when XXXX did the same investigation and the bankruptcy was deleted? Can you tell me what data you are using to verify this information because the other two credit bureaus are reaching out to the same court to investigate the above accounts? Im planning to file complaints with the FTC, XXXX, and Attorney General 's offices in my state and your state, as well as the Consumer Financial Protection Bureaus because you have failed to fix the problem. Please re-investigate the accounts indicated above as I have provided you with new information. Im not complaining, I just need this inaccurate item fixed. Im ready to file more complaints with other agencies if this matter is not fixed. 

Please send me an updated copy of my report and notification that items have been updated.

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 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
After currently reviewing my consumer report, its has come to my attention that the financial institution Navy Federal Credit Union failed to conform with applicable statutes such as the Truth and Lending Act, Gramm Leach Billy Act, Consumer Protection Act, and the Federal Reserve Act upon the consummation of this consumer credit transaction. Navy Federal has engaged in unfair and deceptive tactics. As a result of their inequitable conduct, I have made an uninformed decision extending credit to Navy Federal Credit Union because my consideration came with no benefit. Furthermore, in accordance with the Federal Reserve Act, Navy Federal Credit Union failed to disclose to me that my application was the secured collateral tendered as the payment for the full amount of the consumer credit transaction. Navy Federal Credit Union also failed to disclose that collateral offered would be in check form such as draft, or bill of exchange for acceptance, and to have drawing rights as the payee to receive, and to exchange as presentment, for payment to the principal balance on the account for my benefit. As a result of the lack of disclosures. All previous payments have been unduly paid out to Navy Federal Credit Union. I have sustained multiple damages due to the deceptive and negligent actions by Navy Federal Credit Union. Their failure of not fully informing me and providing pertinent disclosures regarding the use of my credit and withholding how I can exercise my right to privacy to protect my personal information, has affected my credit worthiness, credit capacity, character, and general reputation. These improper actions have resulted in unfair credit billing, credit reporting, and abusive collection practices. 


This notice is an attempt to exercise good faith that the bureau of the CFPB will enforce the violations associated with this transaction and to protect me from the illegal practices by this financial institution. These are direct violations of the Truth and Lending Act, Consumer Protection Act, the Federal Reserve Act and the Gramm Leach Bliley Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My identity has been stolen from hackers that XXXXNew Rez continue to put on me where they are now committing fraud by applying for loans against home or home loans in my name. I am getting messages like attached to email inbox that I did not do anything to trigger. I am homeless living in a homeless shelter. No job. I have no income to even qualify for a loan. In no way, shape, or form do I have any plan to apply in the near, present, and far future, for any type of loan. This is fraud being committed where if loans actually go through can be traced to where funds go and will not lead to me since I'm penniless and do not even have a debit account for anything to get deposited to. Please do not allow this fraud to be committed on me or the institution that has already done so much to me that i now have to now worry about fraudulent loans being allowed to be taken out in my name at New Rez now as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ERC
State: AL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ERC  ACCOUT # XXXX HAS VIOLATED MY RIGHTS. 
15 usc 1681 section 602 a states i have the right to rpivacy.

15usc 1681 section 602 a states i have the right to privacy.

15 USC 1681 SECTION 602 A STATES I HAVE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 1 STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FRURNISH AN ACCOUNT WITHOUT WRITTEN INSTRUTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Equifax to reinvestigate these accounts : XXXX, XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly 15 U.S.C 1681 section 602 A. states that I have a right to privacy. 

15 U.S.C 1681 section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my writing 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.

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

This credit situation is deterring me from purchasing a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/2023 I was charge {$76.00} at XXXX XXXX XXXX. I contacted Capital one and informed them that I did not place that charge on the card. They refunded the money to my account after I disputed the charge. Today, I received a letter from them stating that the charge was resubmitted to my account because they did not received requested information. I have not information to summit to them. I did not use this card to make a reservation and I did not present this card to the merchant. It may be that they have this card on file from previous stay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Previously I sent a dispute to Barclays and XXXX to remove two ( 2 ) inquiries made by BARCLAYS BANK DELAWARE. Barclays sent me a letter in response stating they have completed their investigation and made the decision to remove the hard inquiries from my XXXX credit report and to allow up to 1 month for the change to reflect on the report, it's been almost 4 months and the inquiries still on the report. 

The inquiries are the followings : XX/XX/2023 BRCLYSBANKDE ( BARCLAYS BANK DELAWARE ) XX/XX/2023 BRCLYSBANKDE ( BARCLAYS BANK DELAWARE ) I will be attaching a copy of the letter sent from Barclays

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 2023-08-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Someone attempted to open account using my identity at citizens bank. They were unsuccessful but I would like to notify your bureau in case this has happened with other financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXXUPDATED XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX-UPDATED XXXX XXXXUPDATED XXXX XXXX  XXXX XXXX-UPDATED XXXXXXXX XXXX XXXX-UPDATED This is not telling me how we're these account verified . 
So once again I'm requesting method of veification for the accounts above, not an update but verification. 
I request that you send me this information so that I know that the investigation was in fact conducted properly. If yo are unable to respond in a timely manner and /or provide me with the requested documentation, please delete the accounts ) from my credit report. 
Thank you,

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 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi, I had my first name changed last year to XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. I reported this to all credit reporting agencies XXXX, transunion and XXXX. This last couple months I tried to apply for a loan and it say I dont have any credit history and so most of my applications got denied. I have a long credit history from my previous name used and I still see my old name showing on all credit reporting agencies. Can we please fix this issue? Would like to hear from your office as well. Appreciate your time. XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 non-monetary relief