vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Disputing collection accounts on my credit report from XXXX did dispute a year ago received notification it is mine asked for roof of investigation namely what was done to investigate and also what process was used. I received no follow up response the items still remain on my bureau and they are affecting me and my score They are also reporting me as deceased when I am not I have been fighting with them to get that removed and updated as well as my personal bio

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> I filed a dispute with the company stating that the account was closed out due to suspicion of fraud. The company contacted XXXX and they confirmed with XXXX that we were responsible for the fraud. I filed another dispute XX/XX/year> declaring that we had nothing to do with any fraud. They did a deeper investigation, and concluded that we ( my daughter & I ) were not responsible for the check fraud that occurred on our account without our knowledge. They sent us a letter via postal mail, and via email XX/XX/year> stating that it was resolved, and they would reconcile the account and the claim would be removed. I had went back to the bank XX/XX/year> and they were able to open me a custodial account. Shortly after they closed that account, and specified that they have the right to cancel/close my account at any time, and for any reason. They did not give a reason as to why they closed my account. Nor did they remove me from XXXX. Please assist.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX XX/XX/year> Experian Dispute Department po box XXXX, XXXX, TX XXXX. 

Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX, I am writing to formally dispute inaccurate information on my credit report, as reflected in the entry for Credit Collection Serv with account number XXXX. I have reviewed the report, and I believe the following details to be incorrect : 1. Original Creditor Name : The report lists The XXXX XXXX XXXX as the original creditor. I have no record of any account with this company, and I believe this is either a misattribution or an error. 
2. Balance Details : The report states a balance of {$100.00} as of XX/XX/year>. I do not recognize this debt and believe it may have been reported in error or as a result of identity theft. 

I request that you investigate this matter and provide verification of the debt, including the following : Documentation confirming the validity of the debt and its connection to me. 
Details regarding the date and nature of the account and the transactions leading to this balance. 

If your investigation reveals that this information is inaccurate, I request that the erroneous entry be corrected or removed from my credit report promptly, as required by the Fair Credit Reporting Act ( FCRA ). 

Enclosed are copies of relevant documents to support my dispute [ e.g., a copy of the credit report with the account highlighted, proof of identity, and any supporting statements ]. 

Please provide the results of your investigation in writing at your earliest convenience. If you require further information, feel free to contact me directly at ( XXXX ) XXXX or XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
I am writing to formally dispute inaccuracies in the reporting and handling of my credit file in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX XXXX, Banking Act, Gramm-Leach-Bliley Act ( GLBA ) Section 6802, and 5 U.S.C.. In addition to addressing the inaccuracies on my credit file, I am exercising my right to opt-out from the disclosure of my personal information. 
Dispute Details The following accounts and information contain errors or discrepancies that require immediate correction : NATIONAL CREDIT SYSTEM Account number XXXX Original creditor XXXX XXXX Company sold - Date opened XX/XX/XXXX Status updated XX/XX/XXXX Account type Collection Status Collection account. {$1800.00} past due as of XX/XX/XXXX. Balance {$1800.00} Balance updated XX/XX/XXXX Original balance {$1800.00} Monthly payment - Past due amount {$1800.00} Terms 1 Month Responsibility Joint Your statement-

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$160.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$160.00} XXXXXXXX XXXX # XXXX XX/XX/XXXX - Balance : {$160.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$840.00} XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$10000.00} XXXX XXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX - Balance : {$770.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$10000.00} XXXXXXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$10000.00} XXXXXXXX XXXX  # XXXXXX XX/XX/XXXX - Balance : {$10000.00} XXXX # XXXX XX/XX/XXXX - Balance : {$56.00} XXXX XXXX # XXXX - Balance : {$2200.00} XXXXXXXX XXXX XXXX  XXXX - Balance : {$1200.00} UNAUTHORIZED INQUIRIES XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2025-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN

Complaint narrative:
In response to XXXX. Toyota employees did not provide an original agreement. Instead they provided copies of an agreement containing forged and hypothecated signatures along with evidence of receivables. Under penalty of perjury signed and dated on a sworn affidavit. Employees must produce an original certified copy of an agreement which contains original signatures of all parties involved in a partnership which includes the notary who witnessed the execution of an agreement/partnership take place with having first hand knowledge of the date, day, time, month and year of the execution of an agreement. Also employees are required to provide documentation showing payables which matches their records of receivables. This proves full disclosure and transparency of Toyota providing loans as advertised. Employees at Toyota must also show proof that the Tow Truck Driver was In possession of an original agreement during conducting theft of property.

Under penalty of perjury signed and dated on a sworn affidavit.Please answer the following questions : Are Chief Executive Officers at Toyota Financial Services in the business of purchasing retail installment contract from Dealerships? 
Is Toyota Financial Services a servicing company that manages retail installment contracts purchased by employees at Toyota Motor Credit Corporation?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: NC

Complaint narrative:
The account was satisfied. I did not received a XXXX. I paid this account so it is no longer in charge off status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
The account was satisfied. I did not received a XXXX. I paid this account so it is no longer in charge off status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: FORD MOTOR CREDIT CO.
State: IL

Complaint narrative:
I signed a car lease with Ford Credit in XX/XX/XXXX for a lease term of 24 months. According to my lease agreement, I was not required to pay a disposition fee when returning the vehicle at lease end. 

On XX/XX/XXXX, I returned the vehicle. However, after the return, I received a call from Ford Credit stating that I owed a disposition fee. I disputed this charge and requested a copy of my original lease agreement to verify the terms. Instead of providing the original contract, Ford Credit sent me an electronic version, which may not reflect the exact agreement I signed. I have attached both contract for reference. 

I have requested further clarification and documentation from Ford Credit, but they have not provided a satisfactory explanation. I believe this charge is being wrongfully applied and would like assistance in resolving this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-30 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Lennar Financial Services, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX at or around XXXX I received a call from XXXX XXXX and I wanted to go over the low loan amount that XXXX XXXX had given ( but he stated he didnt but his name was on the file ) I asked if she can go over the financial information due to it bring very low for approved amount. She stated her company does not take Public Assistance payments, they dont participate in that, she cant do my mortgage application. I need to contact someone who will take that type of income. Flat out refused to process my application. I asked her for her manager name and information. She gave me the first name and said she will relay the information and also stated she is not allowed to give out any of their contact information. They refused to process my loan with the additional income. Call ended with call someone else who can do it. We cant.

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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following inquiries need to removed to in order to show my true credit score and history overall under the Fair Reporting Credit Act. section 605B. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The following inquiries need to removed to in order to show my true credit score and history overall under the Fair Reporting Credit Act. section 605B. 

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 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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/year> I sent a dispute letter to Transunion for an inaccurate account. Transunion came back and stated that the account was updatded but the error still remains on my credit report. 

If the account information comes from the same source why is the date opened different on Transunion and XXXX? This is a clear indication that the account information is not verified and is indeed inaccurate. 

I am stressed out trying to correct these errors on my credit report so that I can buy a house for my family. 

I am writing this complaint to get help from the CFPB with getting these errors removed from my credit report. 

Attached to this complaint, I have included a copy of my ID, my social security card and the dispute letter that I sent to Transunion on XX/XX/year>. I also attached a copy of my credit report with the errors circled.

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 2025-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I received my credit report on the XXXX of XX/XX/year> and discovered there were a few inaccuracies being reported. There's a bankruptcy with a court in San Diego. I would like to know if your credit bureau reports bankruptcies to a person 's credit file and if not then who is responsible for illegally reporting this bankruptcy to my 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 non-monetary relief
Consumer complaint received 2025-01-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received my credit report on the XXXX of XX/XX/year> and discovered there were a few inaccuracies being reported. There's a bankruptcy with a court in XXXX XXXX. I would like to know if your credit bureau reports bankruptcies to a person 's credit file and if not then who is responsible for illegally reporting this bankruptcy to my 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 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: CT

Complaint narrative:
I am filing a complaint regarding multiple overdraft fees applied to my account. Despite having sufficient funds at the time the transactions were authorized, I was charged overdraft fees due to delays in the posting of charges and credits. 

This situation mirrors the recent findings by the CFPB regarding Navy Federals practices, where overdraft fees were assessed on transactions that settled with insufficient balances, even though funds were available when the transactions were initiated. 

I believe these practices are unfair and respectfully request an investigation into my account and the specific transactions in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: TX

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: AZ

Complaint narrative:
Called Vanderbilt Mortgage on XX/XX/XXXX to post XXXX months mortgage payment an denied by employee XXXX in XXXX XXXX. States can only accept payment if it's in amount of {$9700.00}. " so transfer money out of checking account into savings an call back on XX/XX/XXXX ( my payday ) an see what amount you will have at that time. Need to refer account to XXXX XXXX for decision and that could take maybe 30 days " Last week my daughter was handed 30 day court summons that's signed with 10 day delay from site visit and document date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: OK

Complaint narrative:
Ive 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 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
The account was satisfied. I did not received a 1099C. I paid this account so it is no longer in charge off status.

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