vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-29 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: KS

Complaint narrative:
On numerous occasions we had either checked the account and said there was sufficient funds but we walked out the store and suddenly our account was over drafted. Due to the same situation with XXXX XXXX, we have been hit with up to XXXX return check fees due to XXXX XXXX  not showing the money was there. I also want both XXXX XXXX  credit cards paid off and I want {$18000.00} paid in cash due to the numerous times they stole {$700.00} PLUS from my paychecks ON TOP of the regular payment to cover fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have asked TransUnion to please remove XXXX XXXX off my credit since its my significant other account, he put me on it just in case something happened to him, it would come to me. XXXX XXXX is reporting an open account on my credit reports and I dont have an account with them, XXXX is my brother account and Im listed on their as a contact person, but its ruining my credit, and the thirteen inquiries that I never gave permission to run my against my credit. Please remove these things 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 non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: FL

Complaint narrative:
Can remember the exact date because it was years ago.I made monthly payments for nothing and they didnt fix my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: FL

Complaint narrative:
This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX XXXX XXXX {$9300.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX {$310.00} These credit accounts and collections are the results of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I received a notice from Experian telling me that I would need to opt out of a new information collection policy. 

The process wasn't straightforward ( had to log in, then unclear where to opt out ), and since I don't get much value from Experian and dislike their repeated emails and nag screen trying to upsell me whenever I log in, I decided simply to cancel my account with them. This revealed additional dark pattern practices. 

I saw no clear link for this. I engaged with their AI chat and it told me that to cancel I would have to phone them during working hours. 

I called them and got a very inflexible automated service which understood that I wanted to cancel, but it insisted that I explain why. I replied " dark patterns '' twice and it claimed that it couldn't understand me and would not proceed with the cancellation. I gave a fuller explanation but it continued to ( it claimed ) be unable to understand my response. ( I had spoken very clearly. ) It ended the call and I never spoke to a live individual. 

For a credit reporting company ( one of an oligopoly of such services ) to be this impenetrable is clearly unacceptable and a disservice to citizens. Please require minimum criteria for ease of account cancellation AND data deletion. Experian has been breached in the past and, like many data aggregators, continues to modify their " privacy policy ''. 

Thank you for your consideration.

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 2024-12-29 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: ID

Complaint narrative:
IN ACCORDANCE WITH THE FCRA THIS CREDITOR XXXX XXXX XXXX. HAVE VIOLATED MY RIGHTS UNDER 5 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I NEVER gave the above listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX  due to the abusive and unfair practices.

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 2024-12-29 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: ID

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX On XX/XX/year> I requested an investigation into this account. I'm in disagreement with the account listed below, which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. These inaccuracies are highly injurious to my credit profile.

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 2024-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
The XXXX XXXX card I have had since the interest was 7 %. It went up to XXXX XXXX with the prime then it went down to XXXX XXXX when the interest rates dropped now they have any new charges are 17.5 % I was not made aware of any of 5 % increase. 
I thought it had to be in writing or they had to let you know if they were just gon na increase it 5 % out of the blue No, I have not been late and yes, I have made more than the minimum payment.

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 2024-12-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute a hard inquiry on my credit report. I believe this inquiry is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: TX

Complaint narrative:
I am writing to dispute a hard inquiry on my credit report. I believe this inquiry 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 2024-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
A capital One Card was opened in my name I called to dispute it and its still on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On about XX/XX/year> I disputed to all credit reporting agencies, of the incorrect information about money owed, on my personal loan and my two credit cards. As soon as I did that my prefect scores of XXXX, XXXX, XXXX, vanished, from my credit report. My Fico scores went from XXXX to were it was Unscorable, and into the XXXX, like starting me, from the beginning as a newbie. Ive had my two credit cards, for close to twenty years, with the same company, not twelve years like the agencies claims.Plus they have me as having three credit cards, not correct. I only have two. And One loan that Ive paid faithfully for over two years, they had the wrong amount owed on that too. I need this matter rectified and resolved immediately. Ive sent the three reporting agencies a letter of correction and theyve done nothing. Im concerned, as to why arent these agencies not correcting their errors. And I thought that those credit agencies were full proof.

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On about XX/XX/year> I disputed to all credit reporting agencies, of the incorrect information about money owed, on my personal loan and my two credit cards. As soon as I did that my prefect scores of XXXX XXXX XXXX, vanished, from my credit report. My Fico scores went from XXXX to were it was Unscorable, and into the XXXX, like starting me, from the beginning as a newbie. Ive had my two credit cards, for close to twenty years, with the same company, not twelve years like the agencies claims.Plus they have me as having three credit cards, not correct. I only have two. And One loan that Ive paid faithfully for over two years, they had the wrong amount owed on that too. I need this matter rectified and resolved immediately. Ive sent the three reporting agencies a letter of correction and theyve done nothing. Im concerned, as to why arent these agencies not correcting their errors. And I thought that those credit agencies were full proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Home Loan Center, Inc.
State: NY

Complaint narrative:
Apparently I have some bad marks in my credit but I didnt do any of these I dont know how to dispute my issues and Im know my information was stolen and now I cant get these marking off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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. Please let me know if you need any other information from me to block this information 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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have student loans appearing on my credit report and I've disputed this issue multiple times, I was incarcerated when these loans were taken out. I've submitted the necessary documentation in order to prove that numerous times to no avail.

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 2024-12-29 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$15000.00} Charged off- XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00} 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 2024-12-29 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: NC

Complaint narrative:
I am a victim of identity theft and to request an immediate investigation into the fraudulent activities associated with my personal information, SSN. The accounts listed in the affidavit are fraudulent. I have not authorized these derogatory and erroneous accounts, which are the result of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My personal information has been exploited by a scammer for financial gain. I am seeking your assistance in conducting a thorough investigation and taking prompt action to rectify this matter. Upon discovering the unauthorized activity and receiving related mail, I took immediate steps to protect my credit files and identity to prevent further damage. The FTC Identity Theft Report is the primary document that I have for the fraudulent information on my credit reports. I Will be Going Legal. 
Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ), I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to aid in the investigation of the identity theft. I need to know how the credit reporting bureau verified my identity in this instance. I am requesting copies of the original ( wet ink ) signature applications and any proof used to verify my identity. I have repeatedly explained that I did NOT authorize nor am I responsible for this derogatory, erroneous 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 The accounts were opened without my consent, I have never authorized any agreements. The presence of the fraudulent accounts on my credit report is unacceptable. I am concerned about the negative impact the unauthorized account has had on my credit report and overall financial standing.

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 2024-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Subject : Dispute of Credit Report Information Under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) Dear Sir/Madam, I am writing to formally dispute certain information that appears on my credit report. I have reviewed the report provided to me and believe that there is inaccurate or incomplete information listed. Under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I am exercising my right to dispute this item and request that your agency investigate the accuracy of the information.

The specific item ( s ) in question are : Portfolio Recover Account # XXXX I believe that this information is incorrect because it is outdated, showing a wrong balance. In accordance with the Fair Credit Reporting Act, you are required to conduct a reasonable investigation of the disputed information and provide me with the results within the required timeframe. Please ensure that the information is reviewed and, if necessary, corrected or removed from my credit report. 
Please notify me of the outcome of your investigation as soon as it is complete. Additionally, if the dispute is resolved in my favor, please update my credit file accordingly and send me an updated copy of my credit report reflecting these changes. 
Thank you for your prompt attention to this matter. I expect that you will act in accordance with the guidelines set forth by the Fair Credit Reporting Act and resolve this issue as soon as possible. Should you need any further information from me, please do not hesitate to contact me at the above-mentioned phone number or email address. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Debt Collection trying to collect on a debt no longer owed they were instructed to remove from credit report 15 U.S. Code 1692c - Communication in connection with debt collection and stop communication I requested all false claims of collections must cease and desist from showing on all credit profiles and deleted and required XXXX payment from debt collector for disregarding 15 U.S. CODE 1692C.

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 2024-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Delete accounts I keep disputing their not properly working on my disputes

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I was a victim of fraud with my XXXX credit card, and when i reported the unauthorized transactions to XXXX credit card fraud department, they blocked the credit card from online access and other usages, therefore, I was not able to make any payments on the card while fraud occurred. but I was never late on making payments towards my credit card in general. while the fraud occurred, i did not have access on my account, and XXXX XXXX reported late payments on my credit reports, it is impacting my credit score. they should remove the negative information from the credit reports as it was due to fraudulent charges on my account and they blocked my access from the 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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
XXXX XXXX is reporting an old debt that was resolved with the original creditor. They have filed litigation cases as a means to contact me. I contacted XXXX in XXXX and was advised that the debt was no longer active in their system. 

XXXX XXXX is reporting the exact debt from XXXX XXXX. Both companies are reporting the same debt. I reached out to XXXX XXXX to dispute because the original creditor is still reporting the outstanding balance.

Company response to consumer: Closed with explanation