vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look 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 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
capital one bank, had an internal fraud inside with one of our accounts ending in XXXX, was fraudulently debited and the money in there used on XXXX for multiple transactions, we did not notice this until a later time after those transactions, because this was just a silent account they have forced us to open for their products of savings or whatever they force us to do in order to keep the money, however this account was silent and nobody know it is number or details other than the bank employees, so the frauds were done from their staff. 
we complained about that back on XX/XX/year>, which caused them to lock the all the 4 accounts we have with them then after long time on XX/XX/year> they closed one of them without telling us and send a check ( as they say ) which we do not recognize been happening, sent to a wrong address not the mailing address on file with the bank, then they say their policy and procedures is to wait 90 days again in order to issue another check because the old one was not received, not committing the mistakes they have been making, no communication, no transparency on the frauds, not sending the checks to the correct address on file, all customer service are low quality and do not know what they are doing

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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:
XXXX XXXX, Social Security Number : XXXX, XXXX XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX opened on XX/XX/XXXX under the account number XXXX, an a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$840.00}. and a personal credit card account XXXX XXXX XXXX opened on XX/XX/XXXX account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-11-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
On XX/XX/year> I sent a signed debt verification letter via certified mail ( tracking # XXXX XXXX XXXX XXXX XXXX XXXX ) with return receipt ( tracking # XXXX XXXX XXXX XXXX XXXX XXXX ) to rent recovery solutions LLC requesting documents for verification of debt within 30 days pursuant to Fair Debt Collection Practices Act. The letter was delivered on XX/XX/year>. They did not provide requested documents.

Company response to consumer: Closed with explanation
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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX investigated and found certain accounts on my report needed to come off of all of my reports. However, XXXX and Experian have yet to comply with these findings and it is damaging my report, not allowing me to obtain housing and transportation. According to the FCRA, if XXXX credit bureau removes a negative account after an investigation, all three bureaus have to remove said 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 explanation
Consumer complaint received 2024-11-12 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: PA

Complaint narrative:
Navy federal been over charging and closed all my accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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:
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 XXXX 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 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: NY

Complaint narrative:
I am writing to notify you that I am a victim of identity theft due to a recent data breach. As a result, several accounts were fraudulently opened in my name without my authorization. In accordance with the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am formally requesting that you immediately block and delete the following fraudulent accounts from my credit report : 1. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, both Bank of America and XXXX keep changing it to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I reported this problem to their customer service respectively, but they just updated the current record and failed to escalate the issue. This is a systemic error that some kind of automatic address checking mechanism is applied incorrectly. This is a serious matter because both addresses exist, my financial information is mailed to a wrong address where someone else lives.

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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to formally request the removal of all accounts related to my credit report that were XXXX under my XXXX XXXX Bankruptcy, which has since been closed. As you may know, creditors are not allowed to report accounts as active or delinquent once they have been XXXX through bankruptcy. It has come to my attention that the following accounts continue to appear on my credit report, which is a violation of federal bankruptcy laws. 
I have provided the list of these accounts below and request their immediate removal from my credit report : XXXX  XXXX ( Account No : XXXX ) - XXXX through Bankruptcy XXXX  XXXX XXXX  XXXX ( Account No : XXXX ) - XXXX through Bankruptcy XXXX  XXXX XXXX XXXX ( Account No : XXXX ) - XXXX through Bankruptcy XXXX  XXXX XXXX  XXXX ( Account No : XXXX ) - Paid, Closed/Never late XXXX XXXX ( Account No : XXXX ) - Paid, Closed/Never late XXXX  XXXX ( Account No : XXXX ) - XXXX through Bankruptcy XXXX XXXX XXXX  XXXX ( Account No : XXXX ) - XXXX through Bankruptcy XXXX XXXX XXXX  XXXX ( Account No : XXXX ) - Paid, Closed/Never late XXXX XXXX ( Account No : XXXX ) - Paid, Closed/Never late XXXX  XXXX ( Account No : XXXX ) - Paid, Closed/Never late XXXX ( Account No : XXXX ) - Paid, Closed/Never late XXXX XXXX ( Account No : XXXX ) - Paid, Closed XXXX XXXX ( Account No XXXX XXXX ) - Paid, Closed/Never late XXXX XXXX XXXXXXXX XXXX Account No : XXXX ) - XXXX through Bankruptcy XXXX XXXX XXXX ( Account No : XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX ( Account No : XXXX ) - Paid , Closed/Never late These accounts were either included in the bankruptcy or were closed appropriately.

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 2024-11-12 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: MD

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 explanation
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I recently reviewed a copy of my credit report. I was Shocked to see that i have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I recently reviewed a copy of my credit report. I was Shocked to see that i have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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 2024-11-12 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: MS

Complaint narrative:
On XXXX, XXXX, and XXXX of XXXX I received hard inquiries from XXXX XXXX XXXX XXXX on my Trans Union credit report.

I also have a few inquiries on my XXXX credit report from XXXX companies that's unauthorized. XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. 

The last company that I received a hard inquiry from is XXXX XXXX on XX/XX/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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
For months company refused to unfreeze my account .. causing me hardship Losses on loans.. 
Emotional distress Unfair credit scoring Wrong personal data Old database need updated.. XXXX  of my credit score/ reputation.. 
Unnecessary hassle questions. 
After I proof who I was..

Bad customer experience..

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
WE HAVE MADE NUMEROUS CALLS AND HAVE SENT NUMEROUS EMAILS TO FREEDOM MORTGAGE IN AN EFFORT TO FIX AN ERROR ON OUR CREDIT REPORT DO TO A PAYMENT MEANT FOR FM, BEING SENT BY OUR ONLINE BILL PAY TO THE WRONG LENDER IN XXXX, THAT WE HAVE ON ANOTHER PROPERTY. WE DID NOT EVEN KNOW OUR MORTGAGE PAYMENT TO FM WAS LATE UNTIL WE GOT OUR FIRST NOTIFICATION FROM THEM VIA MAIL ON XX/XX/XXXX AND WE CALLED AND PAID THEM IMMEDIATELY BY PHOBNE. BY THEN THEY HAD UNKNOWN TO US, ALREADY REPORTED US 30 DAY LATE WITHOUT ANY DUE DILIGENCE TO CONTACT US AT OUR PHONE AND EMAIL THEY HAD ON FILE. WE PROVIDED PROOF OF THE ERROR, HAVE MADE NUMEROUS CALLS TO THEM AND THEIR ESCALATION DEPARTMENT, AND TRIED UNSUCCESSFULLY TO REACH AND GET A MANAGER OR SUPERVISOR TO HELP US,. WE DID OUR PART BY PROVIDING PAPER PROOF OF THE ERROR, PAYING EVERYTHING CURRENT ON XX/XX/XXXX FOR THE ACCOUNT THE SOONEST FM REACHED OUT TO US VIA LETTER DATED XX/XX/XXXX, AND HAVE EVEN EMAILED EXECUTIVES WHO'VE ALL IGNORED US. THEY'VE DONE SIGNIFICANT DAMAGE TO OUR CREDIT REPORT AND HAVE TREATED US POORLY IIN THE PROCESS. THEY SIMPLY NEED TO DO THEIR PART, AND REMOVE THE 30 DAY LATE FROM OUR CREDIT, GIVEN THE ERROR REPORTED AND PROOF OF THE CIRCUMSTANCES WE'VE PROVIDED. WE HAVE HAD NO CHOICE BUT TO CONSULT AND WILL PURSUE FULL LEGAL ACTION IF WE CAN'T GET THIS ERROR THAT THEY CAN EASILY FIX, REMOVED FROM OUR CREDIT. OUR ATTORNEY HAS SENT THEM A LETTER WHICH SO FAR, WE HAVE HAD NO RESPONSE ON. THANK YOU, XXXX AND 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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting is accurate, and here is the reason why : if you sent me a 1099, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these two actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the FCBA and FCRA. I will do whatever it takes to protect the rights afforded to me by the FCRA 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 2024-11-12 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: SC

Complaint narrative:
I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting is accurate, and here is the reason why : if you sent me a 1099, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these two actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the FCBA and FCRA. I will do whatever it takes to protect the rights afforded to me by the FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
As I was going over my profile there were some inquiries listed that did not belong to me.

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 2024-11-12 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: Duvera Billing Services, LLC
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation