vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Starmark Financial LLC
State: MO

Complaint narrative:
I returned a call from XXXX with Starmark Financial on XX/XX/year>. I first left a voicemail explaining to send me debt verification and purchase agreement to prove they own the debit and that I should be taking with them. I said once I review that I would talk and work with them with a payment plan assuming its owed. I also requested them to stop harassing my ex mother in law for info on me and my ex wife. 

XXXX called back immediately after I hung up. He had not heard the voicemail I left. I spoke to XXXX and explained that I would be happy to talk with him about my debt once he sends the debt validation info with the purchase agreement. He said we have sent info via email many times and you have opened. I said maybe I'm not sure but what I am asking for now is for you to mail me that info for review and then once reviewed I would work with him and company if valid. He said no we have emailed it. He asked why I stopped making payments, I said I had financial issues w some debit and was needing to put food on my table. He scoffed and said that is not good enough reason. This wasn't a gift, was it. I said no I understand that. So again, what is reason. I explained my reason stands that I need to food for family. Again I get Im not happy about not paying but and willing to work things out but his service customer service, tone, talking down to me was repulsive and I just said I am done w this conversation. Per his opening this was recorded so there should be a copy of this conversation. He was very combative. Maybe I was to or became that, but I was getting no answer about my right to have info mailed to me for review. 

I then immediately sent an email to that company asking for management to reach out to me to discuss this. 

The tone and talking to me like that when I am obviously struggling w bills since not paying that one was just so rude. 

Why is everything done via email, I dont look at all emails, spam gets some, he said they have mailed before but I dont have it or didnt see and so why is it so hard to mail the info I asked, what are they hiding. Do I not have that right for the info?

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 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I bank with navy fed and they got caught with the over draft fee issue I just would like whatever they took back cause I feel like its thousands

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: MD

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have tried Hard to communicate with Equifax XXXX XXXX. They have stated so many times they have reviewed my documents however!!! I have XXXX issues the first is my credit report on Equifax is reporting as zero like I dont even have any credit!! As a result I am getting denied for a Equifax error!! I called the company they need another copy of my ID which I have enclosed so if they know that I am a victim of identity theft then why are they reporting this fraudulent information!! They have fraudulently reported information on my credit report!!! These are not at all my bankruptcies at all!! # XXXX and # XXXX!! You cant even filed that close together so they should know its a lie!! Please have a human to verify instead of a machine!! I have court documents enclosed as well!! I have never even lived at the addresses they are reporting!! Its someone with my similar name and birthday!! You already have a police report on file!! You cant even legally file bankruptcy that close together can you please stop reporting fraud and inaccurate information on innocent people!! There are XXXX inaccurate bankruptcies appearing in my consumer report Bankruptcy # XXXX and # XXXX. Nevada Bankruptcy court stated this is an error or a lie!! I have never lived at those addresses this is fraud!! My purse was stolen my identity was compromised, I was involved in a Data Breach and they know that so please!! Respectfully if they dont delete this today I will seek legal action!! I should also be entitled to compensation for this inconvenience and also it is causing me mental anxiety but, due to this stress and this error or lie on my report fraudulently I should be entitled to compensation according to the FCRA I am entitled to a fair credit report!! Equifax is in direct violation of the Code : 15 USC 1681, 1682!! Delete this immediately today you are in direct violation of reporting inaccurate information!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
I just received a letter today from my job stating my checks are to be garnished for Ally Financial INC I have never heard of this company. I never received anything in the mail stating what was going on or that it was going to court. I only get about XXXX hours a week at my job and I am barely making ends meet as it is. I have no clue who the company is or what the money is being collected for. The letter is stamped dated for XX/XX/XXXX but my HR Payroll lady just gave me a copy today. The balance they say I owe is {$8100.00} but does not say what the balance is for. It says the date of the judgment was for XX/XX/XXXX. The letter also states that a certified letter was sent to my mother 's address. I have spoken to my mom and she says she will stand in court and swear under oath that a certified letter never came to her address for me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
The payment amount for my mortgage with Citizens home mortgage changed and I did not receive the initial notification letter due to assumed issues with the mail system. Then over the course of XXXX  months or so I was paying a couple hundred dollars a month less than the required amount. The mortgage company was accepting these partial payments during this time and not notifying me that there was an issue until in XXXX of XX/XX/2023when they rejected my mortgage payment and then reported that I was past due by more than XXXX  days. Once notified about this issue at that time, I immediately remedied the issue and increased the automatic payment amount to be in excess of needed. My complaint is due to the lack of actual and effective communication during this process that could have resolved the issue before reporting anything on my credit report. I am asking that this derogatory comment be removed from my credit due to this oversite.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to dispute inaccurate information on my credit report as provided by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am requesting an investigation into the following items : Please remove Addresses listed below XXXX XXXX XXXX XXXX XXXX, XXXX, UT, XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX, XXXX XXXX, IL, XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Documents will be provided to prove a valid address. 
The presence of these inaccuracies has adversely affected my creditworthiness and could potentially have serious consequences on my financial standing. As per FCRA 611 ( a ) ( 1 ) ( A ), I am entitled to have these errors promptly corrected.

Enclosed with this letter are copies of relevant documents supporting my claim. These documents include [ list the supporting documents, such as billing statements, identity verification documents, etc..

I request that you investigate these disputed items and promptly remove any inaccurate information from my credit report in accordance with FCRA 611 ( a ) ( 5 ) ( A ) ( i ). Additionally, I would appreciate receiving a written explanation of the actions taken regarding this dispute within the time frame stipulated by FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute inaccurate information on my credit report as provided by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am requesting an investigation into the following items : Please remove Addresses listed below XXXX XXXX XXXX XXXX XXXX, XXXX, UT, XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX, XXXX XXXX, IL, XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Documents will be provided to prove a valid address. 
The presence of these inaccuracies has adversely affected my creditworthiness and could potentially have serious consequences on my financial standing. As per FCRA 611 ( a ) ( 1 ) ( A ), I am entitled to have these errors promptly corrected.

Enclosed with this letter are copies of relevant documents supporting my claim. These documents include [ list the supporting documents, such as billing statements, identity verification documents, etc..

I request that you investigate these disputed items and promptly remove any inaccurate information from my credit report in accordance with FCRA 611 ( a ) ( 5 ) ( A ) ( i ). Additionally, I would appreciate receiving a written explanation of the actions taken regarding this dispute within the time frame stipulated by FCRA.

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 2024-11-11 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: MD

Complaint narrative:
In XX/XX/year>, I submitted a formal dispute to the credit reporting agencies regarding several inaccuracies on my credit report, including accounts that do not belong to me and unauthorized inquiries. On XX/XX/year>, I received a response from them notifying me that most disputed items remained on my report, despite my request for verification under the Fair Credit Reporting Act ( FCRA ) requirements. The response did not provide the " method of verification '' ( MOV ) for these items, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which mandates that XXXX explain how it verified the disputed information and from whom. 

I continued to request proper validation of the disputed items, citing my rights under the FCRA. However, the reporting agenices have yet to fulfill my request for the MOV, nor has it provided documentation proving the accuracy of the disputed accounts and inquiries. To this date, XXXX has not removed the inaccurate information from my credit report, which continues to impact my creditworthiness. 

In summary : XX/XX/year> : Original dispute submitted to the credit reporting agencies. 
XX/XX/year> : Agencies notified me that the disputed items remained, without providing the required MOV. 
Follow-up requests for proper verification and removal of unverified items have gone unanswered. 
I am seeking assistance from the CFPB to hold XXXX, XXXX, and Transunion accountable to FCRA requirements, ensure the disputed items are thoroughly investigated, and, if unverified, removed from my report.

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 2024-11-11 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: MD

Complaint narrative:
In XX/XX/year>, I submitted a formal dispute to the credit reporting agencies regarding several inaccuracies on my credit report, including accounts that do not belong to me and unauthorized inquiries. On XX/XX/year>, I received a response from them notifying me that most disputed items remained on my report, despite my request for verification under the Fair Credit Reporting Act ( FCRA ) requirements. The response did not provide the " method of verification '' ( MOV ) for these items, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which mandates that XXXX explain how it verified the disputed information and from whom. 

I continued to request proper validation of the disputed items, citing my rights under the FCRA. However, the reporting agenices have yet to fulfill my request for the MOV, nor has it provided documentation proving the accuracy of the disputed accounts and inquiries. To this date, XXXX has not removed the inaccurate information from my credit report, which continues to impact my creditworthiness. 

In summary : XX/XX/year> : Original dispute submitted to the credit reporting agencies. 
XX/XX/year> : Agencies notified me that the disputed items remained, without providing the required MOV. 
Follow-up requests for proper verification and removal of unverified items have gone unanswered. 
I am seeking assistance from the CFPB to hold XXXX, Equifax, and XXXX accountable to FCRA requirements, ensure the disputed items are thoroughly investigated, and, if unverified, removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
Over XXXX was taken from my account in XXXX  and Wells Fargo closed my account is disputed they said it was no error and these companys was overseas

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally request that all accounts listed below be blocked and deleted from my credit report as I am a victim of a data breach. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these unauthorized accounts and inquiries be immediately removed from my credit file to prevent further damage to my credit. 
Accounts to be blocked and deleted : 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 non-monetary relief
Consumer complaint received 2024-11-11 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: FL

Complaint narrative:
A violation of the Fair Credit Reporting Act ( FCRA ) occurs when the rules for collecting, distributing, and using consumer credit information are not properly followed. The FCRA requires consumer reporting agencies ( CRAs ) to use reasonable procedures to verify the accuracy of information in credit reports. If a consumer suffers harm due to an FCRA violation, they have the right to pursue legal action against the CRA, seeking compensation for actual damages, statutory damages, and attorney 's fees. The accounts listed in my letter contain inaccuracies, and I am requesting a thorough investigation into these errors.

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 2024-11-12 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: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were XXXX XXXX accurate under 15 U.S.C. 1681i ( XXXX ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: MD

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

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 XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: NJ

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with explanation