vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-03 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX  XXXX XXXX Account name : XXXXXXXX XXXX Account name : XXXX Account name : XXXX XXXX Account name : XXXX XXXX  Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX  Account name : XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-03-03 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: IL

Complaint narrative:
Recently, I noticed on my credit report multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) the creditors failure to reflect properly on a statement a payment made by the obliger, or a credit issued to the obligor

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 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: IL

Complaint narrative:
Recently, I noticed on my credit report multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) the creditors failure to reflect properly on a statement a payment made by the obliger, or a credit issued to the obligor

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 2024-03-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I am a veteran applying for a VA mortgage. VA mortgages allows for multifamily units, up to XXXX. I found a great XXXX plex home. My wife and I are going to live in XXXX unit. My daughter is going to live in XXXX unit paying me rent and we will continue to rent XXXX units to tenants who already live there. 

I have XXXX insurance as do many veterans. XXXX has written me a policy for XXXX XXXX dollars to cover the new property starting tomorrow, the day we are supposed to close on the rental. 

The insurance policy is XXXX pages long and is comprehensive. Because the property is XXXX units with owner occupancy in part and paying tenants in part, Washington State law calls this a " Rental Property Policy. '' Navy Federal Credit Union told me on Friday before the Monday closing, that they would not accept my XXXX insurance because, following Washington State law, it is called a " rental property policy. '' They acknowledge that it covers everything that a homeowners policy covers and more, but because of the name on the first of the XXXX pages, they are denying me VA mortgage at my locked in mortgage rate. Navy Federal Credit Union has offered to give me a different mortgage with higher rate and higher fees in what seems like a bait and switch. 

I have confirmed with XXXX that they are following Washington State law with the policy. I have tried three other insurance companies, XXXX, XXXX XXXX, and XXXX XXXX that they would write me the same kind of policy as XXXX. 

I have requested Navy Federal Credit Union to tell me the name of even one insurance company that offers a policy in Washington State that would satisfy them for me to get my VA mortgage with my locked in rate. They have yet to identify one. 

Because Navy Federal Credit Union is refusing to accept insurance in accordance to Washington State law, they are trying to compel me to get a higher cost insurance policy without my VA benefits. 

I started a new application with a new VA mortgage vender who is happy with my excellent XXXX insurance, but because of mandatory VA waiting periods the new mortgage will take a minimum of 15 days. If I can not get the seller to agree to a 15 day extension, I am at risk to lose {$100000.00} in XXXX money held in escrow for the closing that is supposed to happen tomorrow. 

If Navy Federal Credit Union won't accept Washington State insurance for a multifamily unit with VA XXXX, they should not be allowed to advertise in Washington State that they provide multifamily VA financing and they should not be allowed to take fees from veterans, such as myself, for a mortgage they won't provide. 

I am attaching the insurance policy that is unacceptable to Navy Federal Credit Union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: CT

Complaint narrative:
I received a copy of my credit report and noticed a Hard Inquiry that I dont recognize. 

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 2024-03-03 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: TN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit 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 2024-03-03 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: TN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I was charged {$160.00} by XXXX XXXX in Utah. I did not recognize this purchase as I have not visited Utah and reported it as fraud. XXXX XXXX agreed and credited the amount back to my account. A little after that I received a letter in the mail from Aldous and Associates saying I owe a debt to XXXX XXXX for {$270.00}. I disregarded it as I thought XXXX XXXX had taken care of the matter for me. However, I began receiving phone calls from Aldous and Associates. I called them back and informed them of my situation. They said to ensure I am telling the truth and to provide evidence I will need to file a police report, which I did and sent them a copy. However, I continued to receive phone calls from them asking me to pay my debt and I continued to inform them that it was fraud and to look over the police report I sent. Some time passes and I receive another letter on XX/XX/XXXX, informing me of my debt and that they have sent over my police report to XXXX XXXX. The letter also contained information of the original membership they are referring to that started on XX/XX/XXXX and is unfamiliar to me. Then on XX/XX/XXXX I received another call from Aldous and Associates asking to me to pay my debt. I again told them that this should have been taken care of already and he informed me that they still find me guilty and to pay my debt or they will inform credit bureaus of it. I said I need some time to go over the situation and he said it was in my best interest to at least make a partial payment today and I hung up. I called back trying to get some information about my case and they were not helpful so I told them I am going to get a lawyer involved and they said they cant talk to me and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
I have student loan amounts on my credit report that I never received. I objected to the loan amount and validity of the loans but they insisted that it was correct and it remains on my credit reports. I have never received funds from any student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I registered a fraud claim initiated on XX/XX/XXXX, included transactions for a total amount of {$340.00} as it was XXXX I could only go back XXXX year, with XXXX XXXX XXXXXXXX. 

The funds were returned to my account. 

Then, the following communication was send saying that all the funds were returned except {$100.00}. I called repeatedly and the answer was that XXXX XXXX XXXXXXXX sent a letter saying that I approved the purchases. I did not approve the purchases, nor did I get any letter. I asked for a copy of the letter and Bank of America said they had none : As a courtesy, we contacted XXXX XXXX XXXX on your behalf and were successful in gettinXXXX XXXX XXXX  XXXX to reimburse you for these transactions. 
On XX/XX/XXXX, Bank of America applied {$100.00} as a permanent credit to your account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
trying to information about my home loan modification, we have been modified but it took XXXX years and added an additional XXXX dollars to my loan, can i get someone to explain or sit down with to go over this problem and how to go about to get answers, 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 2024-03-03 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: IL

Complaint narrative:
CREDIT AGENCY REPORTING NEGATIVE MARKS. THE STATE OF ILLINOIS SAYS DIFFERENT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am writing to file a formal dispute against Chase Bank Card Services regarding a credit card account that I have been disputing since last year. Despite my efforts to resolve this issue directly with Chase, including a certified letter sent on XX/XX/year> ( receipt enclosed ), Chase has failed to conduct a proper investigation and has not provided a satisfactory response. Instead, I received a generic reply asserting the account 's association with me merely based on my address. This response is unacceptable and disregards the severity of my situation. 

I wish to emphasize that I have never opened this account in question and had no knowledge of its existence until it appeared on my credit reports. This unauthorized account has since been sold to a debt collection agency, further complicating the matter and unjustly affecting my credit history. 

Moreover, Chase Bank has violated my rights under the Fair and Accurate Credit Transactions Act ( FACTA ) by obtaining my credit report without a permissible purpose, as outlined in 1681b ( a ) ( 3 ) ( A ) of the Act. I did not directly and voluntarily seek credit from Chase Bank, nor did I authorize them to access my credit reports. This unauthorized access has occurred on multiple occasions, demonstrating a clear disregard for my consumer rights and the legal requirements governing credit reporting. 

In addition to the unauthorized credit inquiries, my requests for specific information regarding the disputed account, including the method of payment and contact details ( email and phone number ) associated with the account, have been blatantly ignored. These omissions have prevented me from fully understanding or contesting the claims against me. 

The neglect and wrongful actions taken by Chase Bank have caused me significant stress, financial harm, and damage to my credit history. Given the bank 's failure to address my dispute adequately and their violation of my rights under FACTA, I am seeking the CFPB 's intervention to resolve this matter. I am entitled to remedies, including the correction of my credit report, removal of the unauthorized account, and a proper investigation into the unauthorized credit inquiries made by Chase Bank. 

Enclosed, please find the following documents to support my claim : A copy of the FTC report filed regarding this issue. 
A copy of the initial dispute letter sent to Chase, along with the certified mail receipt. 
Documentation of the credit inquiries made by Chase Bank. 
I urge the CFPB to take immediate action to investigate this complaint and to hold Chase Bank accountable for their actions. I look forward to your prompt response and am hopeful for a resolution that rectifies the damages caused by this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CarMax, Inc.
State: LA

Complaint narrative:
I drove from XXXX XXXX Louisiana to XXXX, Georgia to register my car in Georgia. The state of Georgia requires a copy of the title from the loan company or the information on the loan that states the name of the person registered on the vehicle the sale date and the laying information. I made three phone calls to Carmax to get what I needed and they would not provide and then I went to a Carmax location in XXXX Georgia to show them what the state gave me that they requires. XXXX, the person that helped me took all of the information and got with the finance section for Carmax. They promised XXXX that they would fax over a copy of the title so that I can register my car but they still have not done that to date. It has been over three weeks now and I am still waiting in. My car is not registered at the moment. I want CarMax to provide me with a copy of the title so that I can register my car in Georgia. In addition,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Disputed account # [ Capital One # XXXX ] XX/XX/XXXX XXXX and XXXX XXXX claiming they investigated what I have disputed about late payments : however, they just sent a copy of my consumer report thinking I am stupid enough to accept that as confirmation a of an investigation. I request deletion of the late payments from XXXX and XXXX. Attached is the last letter I sent them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 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 am very frustrated at this point. This is ridiculous! I contacted XXXX over 30 days ago and they have done nothing to resolve the issues I reported to them regarding my consumer credit report. I haven't heard anything from them and I've see no changes on my credit report. This is causing me emotional distress, as this incorrect information on my report is effecting me from getting a home. They don't seem to be following the rules set out for them as nothing has been done and I have not receive a single update from this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-03 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: TN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit 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 explanation
Consumer complaint received 2024-03-03 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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