vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
All XX/XX/2024 I received a referral email from Navy Federal Credit Union advertising that if I signed up and established an account, I would be eligible for {$100.00} bonus within XXXX business days. The person who referred me would receive a {$50.00} bonus within XXXX business days. I carefully read the terms of conditions and I did qualify for the offer. I did not receive my {$100.00} bonus by XX/XX/XXXX which would have been the XXXX business days. On Wednesday XX/XX/XXXX I spoke with an agent on the bank my phone who informed me that I had in fact met all the criteria for the offer. I was informed that she was speaking with the back office at member services and submitted a request. I was informed by XXXX XXXX the following morning the XXXX dollar bonus would be in my savings account and the dollar bonus would be in the person who referred me account. On XXXX XXXXXX/XX/XXXX. I spoke with another gentleman who informed me at the previous representative had given me false information. I was informed that he did see the request to have my account reviewed for the promotion XXXX but that it would take a couple of days. I was advised to wait until XXXX It is not XXXX day XX/XX/XXXX and I still have not received the referral bonus. Neither has the person who referred me. At this point I hate being told to wait a couple of days every time I call. Debate clearly has not met the advertised promotion. At this point I feel that it is misleading and false advertising. I did open the account successfully on XX/XX/XXXX. I did find the account successfully. The account is in good standings. I additionally also opened a checking account and a credit card with the bank and I am using them actively.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-04 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:
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX  Other Than Personal Finance Companies XXXX XXXX XXXX : XXXX XXXX, XXXX Credit Unions and Finance Companies Other Than Personal Finance Companies + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automotive + XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX Automotive + XXXX XXXX Inquiry : XXXX XXXX, XXXX Banks XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Banks XXXX XXXX : XXXX. XXXX, XXXX Banks + XXXX XXXX : XXXX. XXXX, XXXX Banks + XXXX XXXX XXXX : XXXX. XXXX, XXXX Banks XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX and Finance Companies Other Than Personal Finance Companies XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX and Finance Companies Other Than Personal Finance Companies

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 2024-11-04 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: CA

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : LATE PAYMENT XXXX XXXX XX/XX/XXXX {$3100.00} Credit Card XXXX XXXX XX/XX/XXXX {$0.00} Charge accounXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$2800.00} Credit Card CITI XXXX XX/XX/XXXX {$480.00} Credit Card XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$20000.00} Auto 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 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 2024-11-04 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-11-04 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
I purchased an item via PayPal from XXXX. I contacted XXXX multiple times, who have told me that they processed the refund on their end, and to contact PayPal. Ive put a case in for paypal through XXXX, and they denied it, stating that the refund was processed on XXXX end, and I gave them MOUNTS of proof that I did not receive my correct refund ( only XXXX out of almost XXXX dollars ). They do not review the information correctly and I have shown them multiple times that I DID NOT RECEIVE MY REFUND. I even included through XXXX app, that the order does not reflect it being processed as a refund, as other orders Ive returned has. They are incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX 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 2024-11-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group
State: CA

Complaint narrative:
They are suing me, without verification of debt belongs to me with no signature of me I never did business with this company

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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : LATE PAYMENT XXXX XXXX XX/XX/XXXX {$3100.00} Credit Card XXXX XXXX XX/XX/XXXX {$0.00} Charge account XXXX XXXXXXXX XXXX XX/XX/XXXX {$2800.00} Credit Card XXXX XXXX XX/XX/XXXX {$480.00} Credit Card XXXX XXXX XXXX XXXX XX/XX/XXXX {$20000.00} Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$680.00} Individual XXXX XXXX XXXX XXXXXX/XX/XXXX {$1200.00} Credit Card XXXX XXXXXXXX XX/XX/XXXX {$1000.00} Credit Card XXXX XXXX XX/XX/XXXX {$1300.00} Credit Card XXXX XXXX XXXXXXXX XX/XX/XXXX {$2100.00} Credit Card XXXX XXXX XXXX XX/XX/XXXX {$6800.00} Credit Card XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: Continental Finance Company, LLC
State: NE

Complaint narrative:
I contacted customer service after being released from hospital about charges I did not authorize. The charges were from XX/XX/XXXX to the XXXX. I reached out XX/XX/XXXX. They responded on XX/XX/XXXX, denying the claim and taking away the previous temporary provisional credit. The team it was reported and denied is not adequate time to investigate thoroughly. Ive reached out several times to appeal this decision or for reconsideration as the denied reason states Unfortunately, these charges were authorized, and the merchant completed the service requested, so we are unable to pursue recovery on your behalf. Ive contacted them XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and still no additional information has been provided 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 2024-11-04 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: VA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 2024-11-04 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: VA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : LATE PAYMENT 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : LATE PAYMENT 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Unauthorized inquiries remain on my consumer report despite documented identity theft claims. These fraudulent entries have caused direct financial harm, including loan denials. I have filed reports with the FTC ( documentation attached ) confirming my identity theft victim status.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: FL

Complaint narrative:
I received reviewed my credit report. I discovered that I have a late payment error on a loan that is paid off with " Universal Acceptance Corporation ( UAC ) ''.

Its a loan from Carhop " Interstate Auto Group ''. 

I REQUEST A REMOVAL/DELETION ON THE 30 DAY LATE PAYMENT. 

I REQUESTED A FULL AUDIT OF ALL PAYMENT TRANSCATIONS. 

I requested that my consumer/credit file to updated as I was never 30 late on my payment.

I asked " Universal Acceptance Corporation ( UAC ) '' a detailed audit of all my payments online or mail.

I asked have return checks copies that in the past " Universal Acceptance Corporation ( UAC ) '' refuses to applied to the principal of my loans. Cause it deem too little of a payment.

Carhop " Interstate Auto Group ''. in XXXX was penalized by CFPB {$6.00} XXXX penalty for jeopardizing consumer Credit. 

Universal Acceptance Corp/ Insterstate Auto Group inaccurately furnished information for more than XXXX accounts from XX/XX/XXXX until present day. 

I believe I'm a victim of the same tactic. 

I BELIEVE THAT WHEN A PAYMENT IS COMPLETED ONLINE IT TAKES 3-5 BUSINESS DAYS TO POSTED. NOT REFLEXING ON THE DAY IT WAS CHARGED FROM THE CONSUMER ACCOUNT. 

I believe this is a tactics to cheat consumers with late payment fees, interest etc. 

'UNIVERSAL ACCEPTANCE CORPORTATION '' / INTERSTATE AUTO GROUP ARE VIOLATING 15 U.S CODE 1666B.

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

I REQUESTED A REMOVAL/DELETION OF MY LATE STATUS AND REPORTED TO ALL CREDIT REPORTING AGENCIES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
Your failure to validate disputed late payments on my credit report violates federal law. Despite my written dispute over 30 days ago, you have not responded or provided required documentation as mandated by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation