vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-15 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I assert that by law, the transactions referenced in my consumer report were not made by me. I categorically deny providing written consent to the companies involved to report or furnish any information pertaining to these transactions on my consumer report. It is my legal right to ensure the accuracy and integrity of my consumer report, and I request that the appropriate actions be taken to rectify this matter promptly.

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 2024-05-15 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: CA

Complaint narrative:
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: Navient Solutions, LLC.
State: NV

Complaint narrative:
My loans were part of XXXX vs XXXX. Ive provided legal documentation several times indicating the trade line needs to be removed completely per the settlement agreement, theyre refusing to do so, my score dropped XXXX points since my loans got discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: CA

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
This is my complaint to XXXX XXXX for taking no action on correcting and removing the fraudulent accounts including the unauthorized inquiries that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: LIVE OAK BANCSHARES, INC.
State: TN

Complaint narrative:
After filing a complaint with the CFPB yestereday, I connected one of my XXXX XXXX XXXX accounts to try to send my money to. Live Oak Bank once again blocked the ACH Transfer. I then connected one of my XXXXXXXX XXXX  accounts and tried to send a portion of my money to it and the Live Oak Bank website said the ACH went through. Live Oak Bank subsequently blocked the transfer even though the account has the exact same company name and personal information on it. Soon thereafter Live Oak Bank realized I filed the complaint like I informed them I was going to and retaliated by closing my account. I was notified via email and immediately tried to login to my Live Oak Bank account to verify the status of my funds. My login failed so I immediately called them to understand where my money was. They said they were sending it back to the account that I originally funded my Live Oak Bank account from and I immediately informed them that was impossible since the account was closed. They said everyone went home and they would call me in the morning. I called them first thing this morning and was forwarded to an employee named XXXX. He claimed they sent my money yesterday to the original funding account, so I asked for proof of the date and time the funds were sent and to what account. He refused to provide the requested information and told me if the original account was closed, the funds would be returned to Live Oak Bank and they would contact me. I again told him I would like proof this actually happened and offered asked that the funds be sent to the XXXX  account I connected yesterday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXXXX/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 non-monetary relief
Consumer complaint received 2024-05-15 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: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am submitting this complaint online to the Consumer Financial Protection Bureau regarding the inaccurate reporting of a charge-off on my credit report by XXXX XXXX XXXX XXXX XXXX The account in question was established in XXXX, yet the charge-off is erroneously dated for XXXX. This misinformation is adversely impacting my creditworthiness and ability to access credit, housing, and loans. 

Additionally, I recently discovered that XXXX payments {$600.00} on XX/XX/XXXX and {$43.00} on XXXX withdrawn from my account without my authorization. I request that these unauthorized payments be refunded promptly. Furthermore, the dates and comments associated with the charge-off on my credit report appear to have been manipulated, prolonging the negative impact on my credit history beyond the appropriate timeframe. 

Despite the adverse effects on my financial well-being, I did not receive any official correspondence or notification from XXXX XXXX XXXX XXXX XXXX XXXX charge-off or the unauthorized payments. Furthermore, I have faced financial hardship due to unemployment resulting from injuries. 

I respectfully request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to rectify the inaccuracies on my credit report and ensure that I am refunded for the unauthorized payments.

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 2024-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I am writing to submit a formal complaint against Fair Collections & Outsourcing for their unjust reporting of an unverified debt on my credit report, which I believe violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The company 's actions appear to contravene several provisions of the FDCPA, including Section 807 ( 8 ), which prohibits the use of unfair or unconscionable means to collect any debt, and Section 809 ( b ), which mandates the provision of verification of the debt upon the consumer 's written request within 30 days. Additionally, their continued reporting of unverified information to credit reporting agencies may violate Section 807 ( 10 ) of the FDCPA, which prohibits debt collectors from reporting false or misleading information about a debt. Furthermore, these actions may also violate provisions of the FCRA, such as Section 611 ( a ) ( 1 ) ( A ), which requires credit reporting agencies to promptly investigate disputed information, and Section 623 ( a ) ( 8 ), which mandates accurate reporting by information furnishers. By failing to provide verification of the debt and persisting in reporting unverified information, Fair Collections & Outsourcing is potentially in violation of these consumer protection laws. I also contacted XXXX and asked for them to investigate and remove the inaccurate and unverifiable account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature. They have not been able to provide such proof. 

Please remove this item from my consumer report 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 2024-05-15 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. 
Thanks, XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name : Regional Acceptance XXXX Account name : XXXX  XXXX Account name : XXXX XXXX Account name : XXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following 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

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 2024-05-15 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: GA

Complaint narrative:
I want the negative account removed from my XXXX, TransUnion, and XXXX credit reports.

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 2024-05-15 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: GA

Complaint narrative:
I want the negative account removed from my Equifax, XXXX, and XXXX credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want the negative account removed from my XXXX, XXXX, and Experian credit reports.

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 2024-05-15 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: VA

Complaint narrative:
This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Account Name XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: VA

Complaint narrative:
This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Account Name XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My mortgage payment increased more than {$300.00} a month in XX/XX/year>. I have tried to contact MR COOPER for an explanation of this to no avail. Their phone tree actively frustrates connection to a live agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
The entire mortgage process with Rocket Mortgage has been chaotic, but the closing process is the worst. They didn't communicate with the title company or with us and they delayed our closing and still haven't provided the correct closing disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: NY

Complaint narrative:
The credit agency has listed inaccurate information on my credit report because the creditor has provided inaccurate information or no information about payment details. Some payment information is missing altogether. The account is supposed to be listed as in dispute and it is missing. 

The historical payment section is inaccurate. Account was listed as on time in XXXX XXXX and then 60 days late the next month XXXX XXXX. On time XXXX XXXX and then 60 days late XX/XX/XXXX. On time XXXX & XX/XX/XXXX. Then again late 60 days 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 2024-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I was notice last week on Friday that my card was lost. Or stolen. 
Last Monday, I visited TD brunch XXXX XXXX XXXX, NC XXXX They did not provide me new card, they said firstly yes we will, lastly no we will not. I had to stand at the cashier register proximally XXXX minutes while he and his colleague like laughed at me. Yes we fill the fraudulent dispute + XXXX $ dispute from XXXX. I show proofs of transaction error when paid XXXX $ online. He did not take it. 
My limit for overdraft was XXXX XXXX grace period next business day. 
So fraudulent charges all from XXXX posted on XX/XX/XXXX, XXXX $ up to XXXX, XXXX, XXXX, XXXX ( XXXX ), then XX/XX/XXXX, XXXX charges of the same amount of XXXX. 
HOW THEY ALLOW OVERDRAWN MY ACCOUNT UP TO XXXX $? If my limit was XXXX $????????? 
After 1 day they decide that no error was occurred, we have send you a mail. Ok, where is the proofs? 
The response that I used chip online?????? What?? 

Incompetent employees at brunch probably include XXXX $ in fraudulent claim. 
No, XX/XX/XXXX, transaction from XXXX XXXX $ is not fraudulent. I have proofs that transaction did not go true. 

Some kind of circus not a BANK!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Discovering that Capital One has deceitfully opened an account in my name, now reflected on my credit report, is disconcerting. This deceptive act not only compromises my financial integrity but also poses a threat to my creditworthiness and overall financial well-being. It's crucial to take immediate action to address this situation, safeguarding my reputation and ensuring that I am not held accountable for any unauthorized transactions or debts associated with this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need 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 2024-05-15 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: Affirm Holdings, Inc
State: NC

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with explanation