vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-17 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: SC

Complaint narrative:
I am always paying on time so I am quite perplexed as to why these accounts were being reported with late payments. I want this to be updated to positive because this should not be with late payment remarks.

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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-10-17 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: TX

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

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 2024-10-17 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: TX

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

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 2024-10-17 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: FL

Complaint narrative:
I just found unauthorized inquiries on my credit report today, and I have no idea why they're there. I checked my report like I always do, but this time there are unexplained discrepancies. I even refreshed my browser, thinking it was a glitch, but nothing changed. The inquiries are still there. I need the documents I've sent to be reviewed carefully so this problem can be resolved immediately, and I can stop worrying about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I always pay on time, so Im unsure why Im being marked as late for certain months. USC 1666b says billing errors need to be fixed, and my account should show I paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: TX

Complaint narrative:
Im certain I make my payments on time, but I dont know why this company is reporting late payments for some months. As per USC 1666b, any billing error should be corrected, showing my payments were made as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, my XXXX XXXX XXXX ( XXXX ) Truck was repossessed by Westlake Financial ( XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX ), the vehicle was dragged from my driveway by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX contracted XXXX to repo my vehicle. On XX/XX/XXXX at XXXX, I discovered my vehicle missing and I immediately contacted my creditor- Westlake . I spoke with a lady, she did not provide her name, she told me I would need to pay {$500.00} for the towing fee. I told her in the State of TX, that is an excessive amount because the normal charge and the " regulated fee '' is no more than {$270.00}. She replied, " We can charge whatever we want! '' She said that Westlake Financial would add this amount to the end of my current loan agreement. Now, when I look up my account online, I have discovered that they are demanding I pay the towing fee now. Also, when XXXX dragged my vehicle from my driveway, they damaged my vehicle. The transmission linkage is inoperable. They tow company also damaged my right passenger door, dented and scratched. Westlake Financial is assessing excessive tow fees and additional charges regarding the repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: MD

Complaint narrative:
I received three hard inquiries across the 3 credit bureaus within 3 days. All of which I did not request or approve. I have not done anything recently to warrant any inquiries on my account. 

First inquiry - XX/XX/year> from XXXX XXXX XXXX on my Equifax report. Address listed for the credit union on my report is XXXX XXXX XXXX. XXXX MD XXXX Ph : XXXX XXXX I called the bank and they were not able to help me and I was told to contact equifax. I started a dispute with Equifax but have not heard back yet. 


Second Inquiry - XX/XX/year> from XXXX XXXX on my XXXX report. Address listed for this business is XXXX XXXX XXXX XXXX, Georgia XXXX Ph : XXXX. 
Per XXXX, I sent an e-mail to XXXX XXXX asking them to send a letter to XXXX to ask the inquiry be removed from my account as it was not requested by me. XXXX told me they will not accept a dispute without a letter from the institution the inquiry came from. So far, nothing has happened with this yet. 


Third Inquiry - XX/XX/year> from XXXX XXXX on XXXX Credit report. Address listed for this XXXX XXXX is XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX Ph : ( XXXX ) XXXX XXXX | had never checked mv XXXX credit report before until just now when I noticed the other two inquiries. When trying to access XXXX for the first time, it was determined by myself and the customer service rep I was speaking to that the address of this financial institution was somehow also hooked to my account information as my personal address. I have never lived outside of MD so the TX address caught my eye immediately. This Rep was able to very quickly address the dispute and I believe that one is already resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I found my account is on Capital one. I send an affidavit and Identification. Their contact is XXXX. I also received an invoice from XXXX. Their contact is XXXX. I Spoke with a gentleman named XXXX he verify this was a corporate account. My father left me a personal checking account. With my identity been compromised at work I am certain Supervisor XXXX is responsible for the fraudulent acts. I recently called the Postal Inspectors to report threats. Since I have been reporting it I been suffering retaliation acts against my person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-10-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX This account was removed and added again. 

Subject : Dispute Complaint Against Experian and XXXX ( Account Number : XXXX ) Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian, a credit reporting agency, for reporting inaccurate information on my credit report related to an account with XXXX  ( Account Number : XXXX ). I believe that Experian has violated several federal laws by failing to ensure the accuracy of my credit information, despite my previous disputes. 

Dispute Details : The XXXX  account listed above has been reported inaccurately on my credit report, and after several attempts to resolve this issue with both XXXX and Experian, the information remains incorrect. I am disputing the handling of this account under the following legal provisions : 1. 12 CFR 1006.34 ( b ) ( 5 ) : This regulation requires that debt collectors provide complete validation of the debt upon request. I requested such validation, but neither XXXX nor Experian has provided adequate proof or sufficient details. 
2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This regulation mandates that any communication regarding the debt must include an accurate itemization. Experian has failed to ensure this in their reporting. 
3. 12 CFR 1006.34 ( d ) : Under this section, debt collectors are required to handle disputes promptly. Experian has failed to correct or validate the disputed information within the appropriate timeframe. 
4. 15 USC 1681s-2 ( 7 ) ( A ) : This section of the Fair Credit Reporting Act ( FCRA ) imposes a duty on data furnishers ( in this case, XXXX  ) to report accurate information to credit reporting agencies. Despite my dispute, Experian continues to report inaccurate information furnished by XXXX. 

Resolution Requested : I request the following actions from the CFPB : Investigate Experians failure to update or remove inaccurate information related to this XXXX account. 
Ensure that Experian complies with the FCRA by rectifying the inaccurate information on my credit report. 
Investigate XXXX  role in furnishing incorrect information to Experian and ensure that they correct their records. 

Attached, you will find copies of my communications with Experian and XXXX regarding this dispute. 

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

Sincerely, XXXX XXXX You can submit this complaint online through the CFPB complaint portal or via mail. Be sure to include any documentation, such as your dispute letters and responses from Experian and 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 2024-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
PAY FOR DELETE collection XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX [ date ] XX/XX/year> [ capital one [ Collection Agency adress XXXX Virginia [ City, State, ZIP Code ] Dear [ capital one ] I am writing to you in regards to a debt that I allegedly owe, which is being pursued by your agency. I understand the importance of resolving my financial obligations, and I would like to propose a resolution that benefits both parties involved. 

I am willing to offer a payment of [ Insert agreed-upon amount to settle the debt ]. In exchange for this payment, I kindly request that you agree to remove any and all negative information associated with this debt from my credit reports with all major credit reporting agencies, including but not limited to XXXX, XXXX, and XXXX. 

Please note that this payment is not an acknowledgment of the debt 's validity but rather a gesture of goodwill to resolve the matter. I request that you consider this offer as a full and final payment for the debt in question. 

Furthermore, I kindly request that you provide written confirmation of our agreement once the payment has been received. The confirmation should state that you will remove all negative information related to this debt from my credit reports within [ Insert reasonable timeframe, e.g., 30 days ] after receiving the payment. This agreement will be considered binding once the confirmation is provided. 

I also request that you refrain from selling or transferring this debt to any other third party, as it may result in further negative reporting on my credit history. I believe that resolving this matter in a mutually agreeable manner will be beneficial for both of us. 

Please find enclosed a cashier 's check/money order in the amount of [ Insert payment amount ], payable to [ Debt Collection Agency Name ]. Kindly provide me with the necessary instructions for making the payment if different from the aforementioned methods. I urge you to consider this proposal seriously and to respond in writing within [ Insert reasonable timeframe, e.g., 14 days ] of receiving this letter. Failure to respond within the given timeframe will be considered a rejection of this offer, and I will have no further obligation to settle this debt. 

Thank you for your attention to this matter. I look forward to receiving your prompt response and the subsequent resolution of this issue. Should you have any questions or require any additional information, please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Sincerely, [ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy federal credit union XXXX XXXX someone deposited a fake check in my business checking account in the amount of {$3200.00}. Navy federal then took {$1400.00} out of my personal account the same day as a penalty. I submitted the act to the fraud department and they denied my claim and they told me I had to appeal it. I appealed it 2 times and they denied it a 3rd time. Today XX/XX/2024 they threatened to closed my business account and charge me for the remaining balance. My account was attacked and my bank did nothing about it but charge me. That is wrong I need this situation to be address, Navy Federal is taking advantage of me only because I have no voice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: IL

Complaint narrative:
Ive we e recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-10-17 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: Kriya Capital, LLC
State: IL

Complaint narrative:
Ive we e recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
I am writing to file a complaint against BMW Financial Services regarding an issue I am experiencing with my online payment portal. 

I recently discovered that the online payment portal for my account was no longer accessible. This has prevented me from paying off my auto loan, which is causing me significant stress and potential harm to my credit score. 

I have attempted to reach out to BMW Financial Services multiple times but I have not received a satisfactory resolution. 

The inability to access the online payment portal is unacceptable, as it hinders my ability to manage my account effectively and make my payment. I kindly request that BMW Financial Services restore access to the online payment portal so I can make payments promptly. 

Thank you for your attention to this matter. I hope for a swift resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

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