vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
on XXXX XX/XX/2024 phone phone was called from XXXX ( navy federal number ) informing there had been fraudulent activity on my account. I provided verification info but not my full account number or my full SS # just last 4 and mother 's maiden name. I later determined I was a victim of fraud and immediately called Navy Federal. Initially Navy Fed credited my account. I received a letter today stating they made final determination and no error occurred. 
I called Navy Federal to determine next steps and i was read a statement stating I was an active/willing participant in fraud. This information was not noted in my letter. When asked how I could appeal, I was told I could only request the claim be reopened only if I had new evidence. When asked what evidence they used to make their determination, I was told I could only obtain that information with a subpoena through the court. 
Their finding is unclear because while a total of {$9000.00} was stolen from my account in what they call an " Account Takeover '', they only reversed {$4800.00} in credits. and while they falsely accused me of fraud, they did not close 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 2024-04-16 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: FL

Complaint narrative:
I am writing to formally demand the immediate removal of fraudulent information from my credit report. Upon reviewing my credit report, I discovered several accounts and addresses associated with fraudulent activity under the name XXXX XXXX. This fraudulent information has severely impacted my creditworthiness and financial stability. 

XXXX Accounts : XXXX. Account Name : XXXX XXXX  Account Number : XXXX XXXX. Account Name : XXXX  XXXX Account Number : XXXX XXXX. Account XXXX : XXXX Account XXXX : XXXX XXXX. Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX Fraudulent Addresses : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX. XXXX SPRUCE XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX XXXX NV XXXX I hereby demand that you remove all fraudulent information associated with XXXX XXXX from my credit report within 14 business days. Failure to comply with this demand will leave me with no choice but to initiate the pre-arbitration process to resolve this matter. Furthermore, I will seek compensation for any damages incurred as a result of your failure to rectify this issue in a timely manner. 

I expect prompt action and confirmation of the removal of the fraudulent information once it has been completed. Please provide written confirmation to me at the address listed above. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: FL

Complaint narrative:
I am writing to formally demand the immediate removal of fraudulent information from my credit report. Upon reviewing my credit report, I discovered several accounts and addresses associated with fraudulent activity under the name XXXX XXXX. This fraudulent information has severely impacted my creditworthiness and financial stability. 

XXXX Accounts : XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX  XXXX Account Number : XXXX XXXX. Account XXXX : XXXX Account XXXX : XXXX XXXX. Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX Fraudulent Addresses : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NV XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX XXXX NV XXXX I hereby demand that you remove all fraudulent information associated with XXXX XXXX from my credit report within 14 business days. Failure to comply with this demand will leave me with no choice but to initiate the pre-arbitration process to resolve this matter. Furthermore, I will seek compensation for any damages incurred as a result of your failure to rectify this issue in a timely manner. 

I expect prompt action and confirmation of the removal of the fraudulent information once it has been completed. Please provide written confirmation to me at the address listed above. 

Thank you for your immediate attention to this matter. 

Sincerely, 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 2024-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: IN

Complaint narrative:
I have no knowledge of this debt. Ive reach out to the company multiple times for information stating that I owed this debt that have no responded Ive also reached out to the XXXX to help with this matter and they have no reached out to the XXXX so the case was closed. I want this debt off of my credit report immediately or Ill be seeking a lawyer to recoup amicable damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I have recently obtained a copy of my credit report and have noticed the following inaccurate accounts. These incorrect accounts are negatively affecting my credit and causing financial strain. 


Medical Data Systems Inc Under the Fair Debt Collection Practices Act ( 15 USC 1692 ) I am requesting validation of this debt. Please provide complete information on the original creditor, original account number, the date this account was opened, the date this account was opened, the date of the last payment, the amount of original debt, an itemized statement showing the amount of the original debt along with any additional fees or charges, and any form with a formal signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I sent a letter to remove an inaccurate late payment shown on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: MD

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: FL

Complaint narrative:
I submitted this complaint to REMOVE this suspicious information. 3 Credit Bureaus must validate these ITEMS by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXXXXXX 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 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
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I contacted company ( CCS Collections ) about an {$870.00} debt and they told me that they spoke to my spouse and she told them that she was goin to pay the debt. On two separate occasions, and when I asked my spouse she told me she felt threatened thats why she told them that.Its come to my knowledge that its against federal law to speak to someone or ask someone to pay on someones debt. I will need action swiftly to take this off my credit report and if not done I would be taking legal action against this company. Im embarrassed that this company has spoken to someone about debt that belongs to me. I would like this issue to be taken care of promptly.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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:
I am writing to file a formal complaint regarding the ongoing presence of fraudulent items on my credit report. 

Despite my repeated efforts to dispute and remove these fraudulent items, they continue to tarnish my credit report, posing a significant threat to my financial well-being and reputation. These inaccuracies have caused immense stress and XXXX  as I strive to rectify this situation and restore my creditworthiness. 

I have provided ample evidence of the fraudulent nature of these items and have adhered to all procedures outlined in the Fair Credit Reporting Act ( FCRA ) to resolve this matter. However, it is disheartening to see that my efforts have yielded no tangible results, leaving me in a precarious position with creditors and lenders. 

I demand immediate action to thoroughly investigate and remove these fraudulent items from my credit report. Furthermore, I expect a formal explanation for the repeated failure to address my concerns and uphold my rights as a consumer. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX TX XXXX US DEPT ED XXXX Balance Owed : {$1000.00} US DEPT ED XXXX Balance Owed : {$4000.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$7700.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6600.00} US DEPT ED XXXX Balance Owed : {$9000.00} XXXX XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX XXXXXX/XX/XXXX US DEPT ED XXXX Balance Owed : {$280.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$3100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX  XXXX Balance : {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-04-16 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX Martino filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XX/XX/2024 JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Dispute of Collection Account and Violation of Consumer Rights To Whom It May Concern, I am writing to file a formal complaint against XXXX XXXX XXXX for egregious violations of my consumer rights under federal regulationsXXXX XXXX XXXX XXXX has flagrantly disregarded the laws outlined in 12 CFR 1006.34 by failing to provide validation information regarding a collection account they have reported on my consumer report. Despite this blatant omission, XXXX XXXX XXXX  has proceeded to report this collection account, thus infringing upon my rights under federal regulations.

Furthermore, XXXX XXXX XXXX has deprived me of the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide the necessary avenues for dispute resolution is a clear violation of consumer protection regulations and demonstrates XXXX XXXX XXXX XXXX blatant disregard for fair and transparent practices.

I assert that XXXX XXXX XXXX is engaging in deceitful and misleading practices by reporting this collection account without adhering to the requisite legal standards. This conduct not only violates my consumer rights but also undermines the integrity of the credit reporting system as a whole. 
In addition to disputing any ownership of the alleged debt to XXXX XXXX XXXX, I hereby revoke all rights of communication via phone, text, or email. Henceforth, all correspondence must be conducted through written communication sent to the address listed above.

As per my rights under the law, I demand that XXXX XXXX XXXX provide validation of the debt, including the purchase agreement between XXXX XXXX XXXX and the original creditor. Furthermore, I request immediate proof of XXXX XXXX XXXX XXXX licensing and bonding, as mandated by law.

Failure to comply with these demands within the legally mandated timeframes will result in immediate escalation of this matter to higher authorities. I expect a prompt and thorough response to this formal complaint, detailing the steps XXXX XXXX XXXX will take to rectify these egregious violations and provide restitution for the damages incurred. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I detected an unauthorized {$72.00} charge on my XX/XX/2024 credit card statement, and notified Bank of America ( BoA ) in writing on XX/XX/2024, specifically noting that I had never purchased anything from the merchant and had no way of contacting the merchant. BoA sent a letter acknowledging my dispute on XX/XX/2024. On XX/XX/2024 BoA sent a letter requesting " additional information '' ; however, the additional information BoA requested was already provided in my original dispute letter. I replied to BoA on XX/XX/2024 repeating the information provided in the original dispute letter and insisting that they reverse the fraudulent charge. I never heard from BoA again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-16 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: TX

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 information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: IL

Complaint narrative:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XX/XX/2022

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 2024-04-16 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: FL

Complaint narrative:
I submitted this complaint to REMOVE this suspicious information. 3 Credit Bureaus must validate these ITEMS by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 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