vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Navy Federal is reporting in violation of USC 15 USC 6802.

Navy Federal Credit Union received a certified document on XX/XX/2023, XXXX that notified them that they violated my federal rights governed by the FCRA. They are reporting inaccurate information to a nonaffiliated third party, as defined in 15 USC 6802 ( b ) ( 1 ). Navy Federal is considered the 'financial institution ' described in that same law. I have checked my XX/XX/2023, XXXX Consumer Report XXXX XXXXXXXX, and Navy Federal has not ceased to communicate inaccurate information, which by law they must cease all communication when they are notified. Navy Federal was noticed five days ago.

It also must be noted that the information being rep
orted is an alleged charge-off, from my comprehension of the FCRA and the IRS publication 4681 ( Canceled Debts ) charge-offs of {$600.00} or more would be considered income to the consumer and thus should be reported on our tax return. Also, the Lender, which is Navy Federal is required to send me a 1099-C form for this alleged charge-off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX  performed an unsolicited off-cycle bureau report on XX/XX/2023, which inaccurately showed a balance of {$1700.00} and a {$2000.00} credit limit ( 77 % utilization ). As a result, my Fair Isaac Corporation ( FICO ) score dropped by XXXX points with Equifax and XXXX points with XXXX. I contacted XXXX Bank on XX/XX/2023, and spoke with a supervisor who assured me they would submit a correction to the credit bureaus. 

After XXXX received and disseminated the correction, confirmed through my paid myFico subscription, my FICO score experienced XXXX point increase, returning it back to its initial benchmark on XX/XX/2023. However, Equifax who received the correction XX/XX/2023, allegedly providing the Fair Isaac Corporation with an update XX/XX/2023, has been unable or unwilling to address the lack of redress to the XXXX point drop in FICO score. 

On XX/XX/2023, I reached out to two myFICO representatives and three Equifax agents, but none of them were able to explain who is responsible for correcting the score. Furthermore, I have been unable to obtain any definitive information regarding the formal practices and policies governing the scoring algorithm 's handling of changes to previous inputs in order to minimize consumer harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
Bethpage placed our home equity line of credit on the wrong property. I went to sell this property when the title company found the error. I paid the lawyer and recording fee ( again ) to fix this problem. I believe Bethpage FCU should reimburse me for their error. I have tried to contact the institution 9 times with no answer. The last time I even wrote a letter to the XXXX. Still, just crickets. I have attached all of my correspondence and the relevant documents.

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 2023-07-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I had initiated a bill payment to XXXX XXXX on XX/XX/XXXX. XXXX XXXX never received the payment nor applied the payment to my account. I did a dispute thru my Capital One and they denied because XXXX XXXX sent them a screenshot of the payment made on XX/XX/XXXX!!! Not the same payment. 

I have attached the payment history from both my capital one and other bank who sent the payment on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

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 Account Number : XXXX Account Name : XXXX XXXXXXXX Bankruptcy Account Number : XXXX Account Name : XXXX 'S Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent a letter on XX/XX/2022 to Experian However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to? 
How did they complete this investigation?

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 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
I am not liable for this debt with XXXX and do not have a contract with XXXX XXXX XXXX date opened XX/XX/XXXX I am not liable for this debt with XXXX and do not have a contract with XXXX XXXX XXXX date opened XX/XX/XXXX. 
They did not provide me with the original application like I asked. 
Please take a look at this information above and have this info above removed IMMEDIATELY, because it violates my consumer rights along with my FDCPA consumer rights. Thank you!

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 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
Debt Collector Communications Concerning Identity Theft Section 615 ( g ) ; 15 U.S.C. 1681m ( g ) Section 615 ( g ) has specific requirements for persons, such as financial institutions, that act as debt collectors, whereby they collect debts on behalf of a third party that is a creditor or other user of a consumer report. The requirements do not apply when a person is collecting its own loans. When a person is notified that any information relating to a debt that it is attempting to collect may be fraudulent or may be the result of identity theft, the person must notify the third party of this fact. In addition, if the consumer, to whom the debt purportedly relates, requests information about the transaction, the person must provide all of the information the consumer would otherwise be entitled to if the consumer wished to dispute the debt under other provisions of law applicable to the person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I one late payment on a account that I was never late on. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments account with XXXX XXXX XXXX - XXXX. Please investigate and provide proof with statements showing that this payment was late. If proof can't be provided, I demand these payments be updated to on time as they should be as I never late. Thanks.

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 2023-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: CO

Complaint narrative:
My original loan servicer was XXXX XXXX XXXX However, in XX/XX/2023, my mortgage was handed over to Flagstar Bank. 

On XX/XX/2023, I received notice via USPS that my loan servicer would change on XX/XX/XXXX. That notice stated that my previous loan servicer would not process my payment due on XX/XX/XXXX. I should mail a check to Flagstar Bank via USPS for my XXXX payment. I would not be charged a late fee if it arrived late because of the change in loan servicer. I would not be able to create on online account with Flagstar until XX/XX/2023. 

I mailed a check to Flagstar on XX/XX/2023. On XX/XX/XXXX, I logged into my bank app to discover that Flagstar had obtained my bank account information from XXXX XXXXXXXX XXXX AND deducted my XXXX loan payment from my bank account without my consent. ( I consented to XXXX XXXXXXXX XXXX deducting my payment automatically, but not Flagstar. ) Because they deducted my XXXX payment automatically, I was forced to make an emergency deposit into that bank account in order to cover the check that I had written ON THEIR INSTRUCTIONS. 

On XX/XX/2023, I created an online account with Flagstar and granted Flagstar my consent to automatically deduct my payment from my account. 

The check that I wrote cleared my bank account on XX/XX/2023. 

On XX/XX/2023, I received a notice that my next mortgage payment would be due on XX/XX/XXXX, due to making two payments in XXXX. On XX/XX/2023, a loan payment was deducted from my bank account by Flagstar Bank. 

In summary, since taking over the servicing of my mortgage, Flagstar Bank has : 1. provided contradictory information on at least two occassions, leading me to make an extra payment that I would never have made otherwise and almost leading me to incur overdraft fees from my personal bank. ( If I were to make an extra payment, I would ensure that it be used to pay down the principal, NOT INTEREST. ) 2. Deducted money from my checking account without my explicit consent.

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 2023-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Bank Of America accuse me of pssing a bad check account XXXX XXXX XXXX written by my wife XXXX XXXX on XX/XX/2023. the fraudulent claim locked my XXXX XXXX endind in XXXX causing XXXX XXXX to lock my account ending in XXXX. On XXXX I called XXXX XXXX for an explanation and they responded you are accused of writing a check from the account ending in 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 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I one late payment on a account that I was never late on. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments account with XXXX XXXX XXXX - XXXX. Please investigate and provide proof with statements showing that this payment was late. If proof can't be provided, I demand these payments be updated to on time as they should be as I never late. Thanks.

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 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I am writing to request a correction of the following information that appears on my credit report. The late payments for the XXXX, XXXX XXXX, and XXXX XXXX are incorrect. They are reporting inaccurate information. I was never late! I am being taken advantage of as a consumer and these reports negatively impact my credit. I have disputed these accounts and made the Equifax aware of my discoveries and that these incorrect inquiries are on my report without my knowledge, consent, or authorization. I have sent out a number of letters on XX/XX/2023 and XX/XX/2023 and there has not been any response. I have tried on a number of occasions to rectify the matter at hand. These matters violate my rights under 15 USC 6802 ( B ) and the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
XXXX XXXX sold a car loan that was on my credit before the retention date was up, which was only a few months away before they sold it. I asked through written notification and electronic through all three credit bureaus, asking XXXX XXXX to send through Certified mail a verification letter showing the address and the original signature which never happened, they then sold the account to which I did the same thing sending LVNV Funding LLC written notice that I needed verification that these accounts are mine. I have continued to dispute this account since it has been to the new company with no avail. Each time they just verify the account through the credit bureaus automatic verification system and never sent me the information Im asking for I need these accounts deleted from all three of my credit bureaus immediately because I have disputed them time overtime overtime which each time be in 30 days I can no longer wait 30 days in these accounts need to be removed from my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have written letters via certified mail to notify Experian that they are reporting inaccurate information and information that does not belong to me. I have also sent a notarized bill, state identification card, and letter for Experian to update my address and personal information. My Experian file should only show one address. Information that is inaccurate or fraud should be deleted immediately from companies : XXXX XXXX XXXXXXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NM

Complaint narrative:
I have opened an account XXXX weeks ago and deposited our New Mexico income tax check they had put a hold on in for 7 days they released XXXX out of it was supposed to release the other XXXX on the XXXX of XXXX now being said they are trying to keep my funds but in that time I had deposited XXXX checks that came back as returned which I took care of that with the money that was released so I paid off those return checks now they are trying to hold my money and close my 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 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
I am not liable for this debt with XXXX  and do not have a contract with XXXX XXXX XXXX date opened XX/XX/XXXX I am not liable for this debt with XXXX and do not have a contract with XXXX XXXX XXXX date opened XX/XX/XXXX. 
They did not provide me with the original application like I asked. 
Please take a look at this information above and have this info above removed IMMEDIATELY, because it violates my consumer rights along with my FDCPA consumer rights. Thank you!

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 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am not liable for this debt with XXXX and do not have a contract with XXXX XXXX XXXX date opened XX/XX/XXXX I am not liable for this debt with XXXX and do not have a contract with XXXX XXXX XXXX date opened XX/XX/XXXX. 
They did not provide me with the original application like I asked. 
Please take a look at this information above and have this info above removed IMMEDIATELY, because it violates my consumer rights along with my FDCPA consumer rights. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credit Corp Solutions Inc.
State: GA

Complaint narrative:
Upon receiving my credit report, I noticed some accounts that I didn't recognize. I immediately reached out to law enforcement and made a police report that's on file. These police reports have been mailed to the companies indicating that I am a victim of fraud and that the alleged account does not belong to me. The accounts are not mines and I totally dispute them. I have requested several times for the company to validate the debt and prove that I am indeed the correct person that opened and owes the debt. These letters were sent via USPS to the company ; I have not received anything that VALIDATES the debt as of today. I know my rights, and this is a direct violation of the FDCPA Guidelines. I want the items validated or removed immediately as this is causing me distress and it is interfering with my life goals to obtain a home for my daughter and I. Before contacting an attorney for legal advice, I wanted to contact your agency for guidance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Upon receiving my credit report, I noticed some accounts that I didn't recognize. I immediately reached out to law enforcement and made a police report that's on file. These police reports have been mailed to the companies indicating that I am a victim of fraud and that the alleged account does not belong to me. The accounts are not mines and I totally dispute them. I have requested several times for the company to validate the debt and prove that I am indeed the correct person that opened and owes the debt. These letters were sent via USPS to the company ; I have not received anything that VALIDATES the debt as of today. I know my rights, and this is a direct violation of the FDCPA Guidelines. I want the items validated or removed immediately as this is causing me distress and it is interfering with my life goals to obtain a home for my daughter and I. Before contacting an attorney for legal advice, I wanted to contact your agency for guidance.

Company response to consumer: Closed with explanation