vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I was involved in an imposter scam where money was sent through XXXX. A scammer spoofed the phone number from our local police department and claimed my lost cat was involved in a vehicle accident and taken to the local shelter. The scammer then connected me to another scammer that spoofed the phone number of the local shelter claiming the cat needed immediate XXXX XXXX XXXXXXXX and it required the payment of {$1500.00} through XXXX. I paid the money through XXXX. I traveled to the shelter the next day to check up on the cat and the XXXX. The shelter had no records of the cat or a XXXX. I called the police department and they also had no records of a vehicle accident involving my cat. The entire situation was made up by the scammer to get my money. Both my bank ( Navy Federal Credit Union ) and XXXX have not made any reasonable attempt to reverse this transfer or give reimbursement. I believe both the bank and XXXX are responsible for not implementing appropriate measures to recall money, freeze accounts, delay withdrawals of transferred funds, and prevent scammers from utilizing XXXX. I also believe the intent of XXXX is not to make transfers convenient for consumers. It is a tool for banks to avoid the liability of reimbursing imposter scams and fraud. The XXXX XXXX says you should only send money to people you trust. How can the community be expected to question calls from our own local police departments ( from the actual spoofed phone numbers of the police departments )? The police are supposed to be trusted entities. Both Navy Federal and XXXX are failing to protect victims of imposter scams and only have created a haven for scam crimes through this money transfer application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: TX

Complaint narrative:
Additionally, under FCRA guidelines, any outdated, unverifiable, or inaccurate information must be promptly corrected or removed from consumer reports ( 15 U.S. Code 1681i ). The removal of this account by XXXX indicates that the information may be unverifiable or inaccurate, and thus should not appear on my Experian report. 

For your convenience, I have attached a copy of my XXXX report showing the removal of this account, as well as my Experian report with the disputed account highlighted. 

Please review this matter, conduct an investigation, and proceed with the deletion of the account from my Experian report. Experian, as a major credit bureau, reflects the same information as XXXX in the interest of fair and consistent reporting. 

The Consumer Financial Protection Bureau ( CFPB ) also advises that all credit reporting agencies uphold consistency in reporting practices across different bureaus. The inconsistency created by one bureau reporting this account as charged-off and another removing it creates confusion and does not represent my creditworthiness accurately. 

Please find attached a copy of my XXXX report showing the removal of this account, along with a copy of my Experian report with the disputed item highlighted. 

I kindly request that you investigate this discrepancy and remove the XXXX XXXX XXXX account from my Experian report. Thank you for your 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 explanation
Consumer complaint received 2024-11-10 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF ED XXXX DEPT OF ED XXXX DEPT OF ED XXXX DEPT OF ED XXXX DEPT OF ED XXXX DEPT OF ED XXXX DEPT OF ED XXXX DEPT OF ED XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I CHALLEGED THE ACCURACY OF XXXX XXXX XXXX BEING REPORTED ON MY CREDIT REPORT. THE ORIGINAL CREDITOR IS BASED IN OHIO. i AM A XXXX  XXXX & I AM A VITCIM OF IDENTIY THEFT. UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS.

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 2024-11-10 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: TX

Complaint narrative:
I CHALLEGED THE ACCURACY OF XXXX XXXX XXXX BEING REPORTED ON MY CREDIT REPORT. THE ORIGINAL CREDITOR IS BASED IN OHIO. i AM A TEXAS RESIDENT & I AM A VITCIM OF IDENTIY THEFT. UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 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: MO

Complaint narrative:
There are inquiries on my report i do not recognize.

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 2024-11-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: NY

Complaint narrative:
On three separate occasions I sent correspondence to the company requesting the following : original contract w/my signature, to renegotiate the terms of contract, the interest, and length of contract due. All due to me experiencing unemployment and underemployment. 
The company ignores my correspondence by not responding. Instead, the company will send an email each month stating that since I did not meet the loan payment agreement, the total amount due is now " accelerated '' and the " length of the payments '' noticeably increased from 60 to 73 on the contract I viewed online. 
My complaint is I am a victim of a " predatory lending '' including high interest rates and fees inflated with big balloon payments and inflated interest rates. 
On XX/XX/XXXX The initial loan was {$4.00}, XXXX with 36 months to repay bi-weekly {$200.00}. 
Years : Starting XX/XX/XXXX ending XX/XX/XXXX. 
As of today, I am experiencing high prepayment penalties of an accelerated loan after being lured into a guaranteed approval of this loan despite having a low credit score and an advertisement of fast funding, flexible terms, and completing what was described as a simple on line application. Most importantly, the company will not send me the original contract. On the other hand, I was able to go online and view a contract with the information listed below : Loan Status : Accelerated Loan Principal : {$4500.00} Outstanding Balance {$9100.00} Overdue Amount {$9.00}, XXXX Interest Rate 98.21 % Finance Charge {$10.00}, XXXX Total payments 73 Total Amount {$14.00}, XXXX on a loan of {$4500.00}. Nevertheless, I have already paid a total of {$4400.00} -- 10 months -- XX/XX/XXXX thru XX/XX/XXXX bi-weekly {$200.00}. 
XXXX XXXX # XXXXXXXX XXXX XXXXXXXX Account ID XXXX. 
At the time of the loan I was living in XXXX and I requested the loan when my XXXX XXXX XXXX  in the state of XXXX, XXXX XXXX XXXX XXXX XXXX, and used the loan to higher movers to move me to XXXXXXXX XXXX, I was unable to find housing in XXXX and rented a house in XXXXXXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: NY

Complaint narrative:
Subject : Dispute of Inaccurate Reporting on My Credit Report To Whom It May Concern, I am writing to dispute the reporting of XXXX accounts by XXXX Bank on my credit report. These accounts are inaccurately marked as both collection and charge-off. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681, it is required that all information provided to consumer reporting agencies is accurate, complete, and consistent across all bureaus. 

However, XXXX Bank is reporting these accounts inconsistently to XXXX, Equifax, and XXXX. Each credit bureau shows different information regarding these accounts, which is both misleading and potentially damaging to my credit standing. This discrepancy is a clear violation of the FCRA, as it fails to meet the standards of accuracy and completeness mandated by law. 

I respectfully request that XXXX, Equifax and XXXX a thorough investigation, verify the information provided to each bureau, and ensure that any inaccuracies are corrected or removed. Please confirm in writing that these corrections have been made within 30 days, as per the FCRA guidelines. 

Thank you for your prompt attention to this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 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: NY

Complaint narrative:
Subject : Dispute of Inaccurate Reporting on My Credit Report To Whom It May Concern, I am writing to dispute the reporting of XXXX accounts by XXXX Bank on my credit report. These accounts are inaccurately marked as both collection and charge-off. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681, it is required that all information provided to consumer reporting agencies is accurate, complete, and consistent across all bureaus. 

However, XXXX Bank is reporting these accounts inconsistently to Experian, XXXX, and XXXX. Each credit bureau shows different information regarding these accounts, which is both misleading and potentially damaging to my credit standing. This discrepancy is a clear violation of the FCRA, as it fails to meet the standards of accuracy and completeness mandated by law. 

I respectfully request that Experian, XXXX and XXXX a thorough investigation, verify the information provided to each bureau, and ensure that any inaccuracies are corrected or removed. Please confirm in writing that these corrections have been made within 30 days, as per the FCRA guidelines. 

Thank you for your 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 explanation
Consumer complaint received 2024-11-10 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: SC

Complaint narrative:
Per the Family Educational Rights and Privacy Act of 1974 and the Privacy Act of 1974 XXXX and the Department of Education are in violation of my rights to privacy by reporting nonpublic personal information without my permission or consent. I demand immediate deletion of this data and formally opt out of any furthering reporting of this information per 15 U.S. Code 6802 and 12 CFR Part 1016 - Privacy of Consumer Financial Information ( Regulation P ). 

I have attached my credit reports in this formal complaint to prove that XXXX and the Department of Education are violating my rights to privacy by furnishing my nonpublic personal information to Equifax, XXXX, and XXXX without my written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
We had a loan with Wells Fargo in XXXX. There was money that was owe to us the loan was to combine my mortgage and 2nd mortgage should of been together they wrote it off Wells Fargo XXXX I don't owe it but my mortgage said I do. I put in complaint 2 months in my mortgage and they never respond 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 2024-11-10 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the presence of a collection account from XXXX XXXX  XXXX  ( Account Number : XXXX ) on my Experian credit report. This account was previously listed with XXXX but has been removed from my XXXX report. In the interest of consistency and fairness, I am requesting that Experian also delete this account from my report. 
Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to ensure that the information on credit reports is accurate, complete, and not misleading. Since XXXX has already determined that this account should be removed from my credit file, its continued presence on my Experian report contradicts the standards of accuracy and completeness mandated by the FCRA. 
Additionally, the Consumer Financial Protection Bureau ( CFPB ) has established guidelines for ensuring the accuracy of credit reports across all major bureaus. Inconsistent reporting of derogatory information between bureaus can be detrimental to consumers and does not accurately represent my creditworthiness. The removal of this account from XXXX indicates that it may no longer meet the standards for inclusion in a consumers credit report. Therefore, I am requesting that Experian review this account and remove it to ensure consistent and fair reporting. 

Please find attached a copy of my XXXX credit report reflecting the removal of this account. I have also included a copy of my Experian report with the disputed item highlighted for your reference. 

Thank you for your prompt attention to this matter. I am hopeful for a quick resolution and an updated, accurate 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 2024-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Brock & Scott, PLLC
State: GA

Complaint narrative:
Subject : Urgent Resolution Needed Regarding Debt Settlement To Whom It May Concern, for the past year, I have been attempting to resolve a debt with Brock & Scott , PLLC. 

I sent a money order for {$1700.00} to settle a credit card debt I had with XXXX XXXX. Since then, I have made multiple calls to XXXX XXXX, but each time I was informed that they can not proceed until Brock & Scott sends them confirmation that the debt has been paid. However, Brock & Scott have repeatedly claimed that they never received the money order, which is preventing me from opening accounts with XXXX XXXX and is negatively impacting my personal credit. 

Despite my repeated efforts to reach both XXXX XXXX and Brock & Scott to address this matter, nothing has been resolved. 

The payment of {$1700.00} was sent to the following address : Brock & Scott , PLLC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX I kindly request immediate attention to this matter to resolve the issue and ensure that the payment is properly acknowledged. 

Thank you for your prompt attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: TX

Complaint narrative:
I have been a long-standing member of Navy Federal and participated in the OOPs program. Despite having sufficient funds in my account on certain occasions, I noticed that fees were still being charged. This issue persisted over time and eventually led to the unexpected closure of my account. This has been for no reason at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
This company is inaccurately reporting information on my credit report. 
These inaccuracies are harmful to my credit standing and are not an accurate reflection of my financial history. I have already taken steps to dispute these items, and despite this, the incorrect information continues to appear on my credit report. I request that you cease any future reporting of these inaccuracies and immediately remove them from my credit file. 

Please be aware that continuing to report false information can have legal repercussions under the FCRA, including potential lawsuits and penalties. I trust you will act promptly to correct this issue. Please confirm, in writing, that the above-mentioned items have been corrected and will no longer be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Exeter Finance, LLC.
State: NY

Complaint narrative:
This complaint is against XXXX XXXX I bought a vehicle in 2017 the vehicle purchase price was XXXX I put XXXX down payment loan was for XXXX dollars I have been paying for XXXX XXXX  .I had some financial problems throughout the years and they gave me extensions they never said i will owe this at the end they just said there extending my loan now my loan matured and they are demanding XXXX dollars to be paid in XXXX lump sum I asked them to give me a payment plan and they refused and repossessed my car .I feel like they robed me right in front of my house this has to be against the law I have been reading and this bank has done this to many people and I feel like it's wrong and I need some help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX XXXX XXXX I have several unknown addresses and inaccurate fileinformation that needs to be updated properly. My current and only address is XXXX XXXXXXXX XXXX XXXX OH XXXX Please delete all other unkwownaddressses they are not correct. I have a inaccurate Social Securty number on mycredit report SS : XXXX, please delete it at once. My name is NOT XXXX  please remove the extra name from my credit report. According to 12 CFR Part1022 ( Regulation V ) requires furnishers to : Furnish information concerning accountsor other relationships with a consumer that has integrity. Furnish information aboutaccounts or other relationships with a consumer that is accurate. C - Conductreasonable investigations of consumer disputes According to XXXX, in order to makea lawful report, you must follow the Metro 2 compliance standards. Followingaddresses need to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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