vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-30 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: LEXISNEXIS
State: AL

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.

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: Self Financial Inc.
State: NY

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: FL

Complaint narrative:
I have attached a dispute for inquiries on my report that are not recognized by 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 2024-05-30 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am a victim of identity theft, back in XXXX XXXX XXXX XXXX XXXX and they stole my identity and identification. 

I have no connection or knowledge with the said accounts. I have done with the police stated and filed the appropriate documentation. I did the identity theft report and the police report so now im coming here.

please help me this is Fraudulent and damaging my Consumer report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
This creditor has placed this account on my credit report with out my written consent I have no ever opened a account with this company nor have I gave my written consent for this creditor to open a account is my name. This is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
The company has failed to provide me with the original signed contract or agreement related to this debt from the original creditor. Nor have they provided me with anything other than a threatening letter to sue from a company to which I have zero affiliation with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: Kikoff Inc.
State: TX

Complaint narrative:
KIKOFF has sent me a email stating that they fount that this account is a result of identity theft and that they would have this account removed from my credit report and it is still reflecting on my report without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: CrossCountry Mortgage LLC
State: NH

Complaint narrative:
Despite my account being current, a week before the inspection, my Mortgage servicer charged me an inspection fee, which was not mutually agreed upon, nor was a prior notice sent to me. They state the inspection happened on XX/XX/year>, and I had no visitors to the property that day, nor do I have anyone on video. The company will not provide the time-stamped photos that were supposedly taken that day. 
Cross Country Mortgage continually refuses to provide information regarding my mortgage servicer, stating they are the servicer. According to the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX is the servicer. XXXX XXXX is a XXXX for XXXX. After some back and forth with an online agent, I was able to get enough information about the company the VA has on file. My concern regarding the refusal to provide this information is they might be defrauding the XXXX XXXX XXXX XXXX XXXX in order to financially harm XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: CA

Complaint narrative:
To All Concerned Parties : This notice is to inform this consumer reporting agency that they are unlawfully reporting unauthorized inquiries on my consumer report. I have not given permission to access my credit profile and you do not have permissible purpose by law to contact third parties with my private or personal information. By obtaining my consumer report on multiples dates that is enclosed on my FTC report, you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 USC 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis 260 F. Supp 2d711 ( SD Ind.2003 ) I have not initiated any transaction with these companies and I demand deletion of the unauthorized inquiries. Your offenses amount to Aggravated Identity Theft pursuant to 18 USC 1028A. You have knowingly transferred, possessed, or used without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years, or both. Without my permission, you have violated 15 USC 1681b ( 2 ) and it's guidelines to permissible purpose and the Privacy Act of 1974. I am requesting general or specific certification that was sent to you the consumer reporting agency pursuant rule 12 CFR 1002. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a CRA under false pretense. This is harmful to me as a federally protected consumer, as it is an invasion of my privacy, reputation and cause deep economic harms. I have been denied new credit and increases in lines of credit because of the consumer reporting agency willful violation of the FCRA, and I am willing to pursue civil liability damages, as I have suffered as a result of these violations. I am able to receive {$1000.00} per violation pursuant FCRA 616 ( a ) ( 1 ) ( B ) [ 15 USC 1681n ]. I request that the DELETION of these unauthorized inquiries listed on my FTC report immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC
State: MD

Complaint narrative:
I had a XXXX XXXXXXXX charger and it deemed a total loss by the insurance adjuster and American credit acceptance whom which the car was finance through put remarks on my credit file saying the car was a voluntary repossession and that it was affected by natural disasters. Thats not what happened and I submitted proof to all 3 credit bureau and they still came back after the disputes saying it was accurate and its not. Even American credit acceptance wont remove the remarks. Also, they settled with the insurance company to accept the {$15000.00} for the car and they sold it at auction for {$6000.00} and I feel like I shouldnt be held responsible for the remainder of the balance when I dont have possession of the vehicle anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/year>, wherein I submitted both a formal complaint and a dispute letter to XXXX regarding the erroneous reporting of a charge off on my accounts. Despite my initial communication, I have not received a satisfactory response nor have I seen any corrective action taken regarding this matter. 

As previously stated, XXXX has been reporting a charge off on my accounts without providing the requisite Form 1099-C as mandated by law. Under the Fair Debt Collection Practices Act ( FDCPA ), it is explicitly prohibited to report income on my credit report without adhering to the necessary legal procedures. This oversight not only represents a violation of my rights but also casts a shadow on my creditworthiness unfairly. 

Furthermore, I wish to reiterate that these accounts are currently under dispute. As per the guidelines outlined by the Fair Credit Reporting Act ( FCRA ), any accounts under dispute should not be reported until the investigation is completed and a resolution is reached. Yet, despite the ongoing dispute, these accounts continue to be reflected on my credit report, causing undue distress and financial harm. 

I am deeply concerned about the disregard for consumer rights demonstrated by XXXX in handling this matter. The failure to address my grievances promptly and accurately reflects poorly on XXXX 's commitment to fair and transparent practices. 

Therefore, I urge XXXX to take immediate action to rectify this situation. Specifically, I request the removal of the accounts associated with SECU from my credit report until the dispute is resolved satisfactorily and the provision of the necessary documentation, including the Form 1099-C, as required by law. 

I expect a prompt response to this letter and a resolution to be reached without further delay. Failure to do so will leave me with no choice but to explore all available legal avenues to protect my rights and seek appropriate redress. 

Thank you for your attention to this matter. I look forward to a swift and satisfactory resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: IL

Complaint narrative:
XXXX, XXXX, and TransUnion are reporting inaccurate information on my credit report. All three agencies have a different date opened for XXXX XXXX account # XXXX. Also, the high balance and the credit limit are not accurate. The last date reported is also inaccurate. The date of the last active is also incorrect, as is the date of the last 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 non-monetary relief
Consumer complaint received 2024-05-30 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: IL

Complaint narrative:
XXXX, Experian, and XXXX are reporting inaccurate information on my credit report. All three agencies have a different date opened for XXXX XXXX account # XXXX. Also, the high balance and the credit limit are not accurate. The last date reported is also inaccurate. The date of the last active is also incorrect, as is the date of the last 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 2024-05-30 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:
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.

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: TX

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: SC

Complaint narrative:
On XX/XX/year>, I went to login to my Marcus account and got the message- " your account is temporarily locked, call customer support ''. I called the number provided, thinking maybe I just needed to verify some information for security purposes. When I finally got connected, they said my account had been closed! I have a large portion of both my personal and business savings in the account, so was very alarmed at the news. I repeatedly asked why my account was closed and how I would receive my funds? They would not give me a shred of information of why the account had been closed, simply repeating that it was within their right. I asked how I would receive my funds. They said I would receive a check within 7-10 business days and would provide no further details. Despite multiple questions, all I got was " If you don't receive your money within 10 business days, give us a call. '' I asked " within 10 business day of the account closing or 10 business day of my call? '' They stated that it's within 10 business days of my call. So who knows how long my account had been closed. I never received warning or even a notification that it was closed. So apparently they just decided to close a multi-year account and hold my money until I happened to attempt a login and noticed. I can't even check my balances to make sure the amount they send me is correct. Since the the initial encounter, I have called several times and they keep changing the timeline on when I will receive my funds. I also requested my funds to be ACH transferred back to the accounts I initially deposited them to. I emphasized that I didn't want them to mail the majority of my savings in a check format, but they refused and said a check was the only option. I want my money back from this dishonest company! Since it happened to me, I have done research and read many similar scenarios of Marcus holding people 's funds recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: IN

Complaint narrative:
I recently reviewed my credit report and noticed an account that is not being reported accurately. Specifically, there are two late payments listed on an account for which I made timely payments. The Dates are XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX It is essential that consumer reporting agencies provide information that is completely accurate. 

I have attached a copy of my report to this complaint, highlighting the dates in question. Please investigate this account and update the payment status to reflect that these payments were made on time. 

Thank you for your understanding and prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: IN

Complaint narrative:
I recently reviewed my credit report and noticed an account that is not being reported accurately. Specifically, there are two late payments listed on an account for which I made timely payments. The Dates are XXXX XXXX XXXX XXXX XXXX  It is essential that consumer reporting agencies provide information that is completely accurate. 

I have attached a copy of my report to this complaint, highlighting the dates in question. Please investigate this account and update the payment status to reflect that these payments were made on time. 

Thank you for your understanding and prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in 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 explanation