vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-10 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/year> Dear : Navy Federal Credit Union XXXX : Correction or Deletion Account Number : XXXX Thank you for reading my request about this account with your company. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with XXXX  XXXX XXXX, XXXX. 
I am requesting that your company please forward me a copy of the 1099-C that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. 
Please also enclose a printed copy of my payment history or you may also email it to me at ( XXXX ) please do not send any marketing or other account information to this email address I have no desire to have spam at this location and I track everything by standard XXXX mail at my home address listed above. 
If for some reason this was an error, please send me the past due amount that will re-establish my account into good standing with your company and payment will be provided within 5-10 business days of the written confirmation. 
Thanks in advance. 

XXXX XXXX XX/XX/year>

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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Im just trying repair my credit and to do whatever to fix my credit

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 2024-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion, XXXX and XXXX has been reporting improperly which is a violation.

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 2024-08-10 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: IL

Complaint narrative:
I am filing this complaint to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, Experian credit reporting agency, block multiple XXXX  accounts appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. I have repeatedly disputed this information. While other credit bureaus have promptly removed these fraudulent accounts without issue ( see attached proof ), Experian continues to report this inaccurate and damaging information These accounts are the result of identity theft and should have been permanently blocked and removed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ).

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 2024-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the 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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this complaint to bring to your attention that TransUnion has unlawfully re-inserted several fraudulent accounts on my credit report, which had previously been deleted. These accounts are the result of identity theft and should have been permanently blocked and removed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ).

The fraudulent accounts include multiple Navient accounts ( details attached ).

TransUnion is in violation of FCRA 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) regarding the re-insertion of previously deleted material : 15 U.S.C. 1681i ( 5 ) ( B ) ( ii ) mandates that I should have been notified in writing within five business days of the reinsertion. I received no such notice.

15 U.S.C. 1681i ( 5 ) ( B ) ( iii ) requires that TransUnion provide the business name and address of the furnisher of information and their contact details, which were not provided to me.

15 U.S.C. 1681i ( 5 ) ( B ) ( i ) prohibits the reinsertion of deleted information unless the furnisher certifies the accuracy of the information. There is no indication that this requirement was fulfilled.

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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

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 explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
This is a follow up to claim filed XXXX XXXX XXXX from Bank of America called yesterday to work through the issue and I expressed my concerns and frustration explained in the claim above. He told me to call the Claims Team today to instruct them of the fraudulent charges. I explained that because I am out of the country they can not text me and then they will not assist me. He told me that it would not be an issue for me calling them today XX/XX/year> and it would be written that I would be calling from XXXX. I told XXXX that this is such a frustrating and stressful situation and that if it happens again that they will not speak with me I will ask for {$2000.00} in compensation for all the time wasted and the bank not serving myself nor my XXXX XXXX XXXX mother- both with the BoA for over 30 years. 

I just got off the phone. XXXX at BoA would not assist me or work toward getting me approved so that we could deal with the fraud. I added my mother 's phone yesterday and it was verified by BoA via a text code to add it to her account. XXXX said - it takes 30 - 60 days she would not text that phone number.

It is easier for the person taking the money out of the checking account than it is for me to get my money back. There is an issue with their system since it is protecting the perp and not me the client. I am now asking as I stated to XXXX XXXX- I want {$2000.00} in compensation for loosing so much time dealing with their incompetence and a system that is not serving me but instead stressing me out.

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 2024-08-10 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: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
My vehicle was broken into which my wallet and phone was stolen from my vehicle. I've contacted Navy Federal on multiple occasions about this issue. My credit card account ending in XXXX has now maxed out. With multiple interest charges and the charges were not dismissed and now I am expected to pay XXXX XXXX. Which I am now reliable for these charges as the disputes were not cleared or investigated correctly.

I also disputed a few charges in my XXXX I was made liable to pay for the XXXX XXXX dispute as navy federal has pulled money from my accounts to pay for these charges I did not make.

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 2024-08-10 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: AL

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I never was approved for the loan so therefore I never received the funds. I've been charged {$5.00} a month without giving my permission to take any funds out of my banking account. I like to report fraud and to have this account investigated.

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 2024-08-10 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: GA

Complaint narrative:
I never was approved for the loan so therefore I never received the funds. I've been charged {$5.00} a month without giving my permission to take any funds out of my banking account. I like to report fraud and to have this account investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: GA

Complaint narrative:
I never was approved for the loan so therefore I never received the funds. I've been charged {$5.00} a month without giving my permission to take any funds out of my banking account. I like to report fraud and to have this account investigated.

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 2024-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
Beginning on XX/XX/year>2024 SoFi Bank begun rejecting the direct deposits I receive for my child. The payment on XX/XX/XXXX was for {$3600.00}. That same payment was rejected a second time, because they attempt to send payments twice. 
On XX/XX/year>2024 they again rejected the payment for {$470.00}. On XX/XX/XXXX they rejected another {$470.00} payment. I spoke with XXXX XXXX, and SoFi, SoFi claims the payments were tagged as " business payments '' instead of having the XXXX tag. XXXX XXXX confirmed they do not send payment tagged as business. XXXX XXXX attempted to send all 3 payments, {$3600.00}, {$470.00}, and {$470.00} again on the XXXX XXXX XXXX, 2024 and again SoFi rejected the payments.

SoFi refuses to help resolve this issue, and continues to blame the XXXX XXXX XXXX XXXX. This has caused me severe financial hardship. 
I spoke on the phone with SoFi 3 separate times, and their " back office '' emailed me saying again that they can not accept business payments, but refused to speak with me further claiming the issue was out of their hands. 
I have spoken with XXXX XXXX 4 separate times, with one agent telling me she has encountered this issue with someone else and SoFi. This other person was able to eventually resolve it by signing some document with SoFi, but I have not been offered any resolution. I was advised to switch financial institutions. 
Prior to XX/XX/XXXX I did not have any problems with my direct deposit being rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Self Financial Inc.
State: AZ

Complaint narrative:
I've used this self card for 2 years closed that account started new one. 

I'm having issues with new self card. 
I paid 3 payments of {$35.00} to receive my self card. The first payment went through in XX/XX/year> {$36.00}. XX/XX/year> I paid {$64.00} plus {$36.00} because thought it was not accepting my payment. I paid {$35.00} for XX/XX/year>. 

I realized paid over the amount after I received the card after making Three on time payments of {$36.00} plus {$64.00}. I emailed them and they said they said they would apply this {$64.00} over payment to to the {$35.00} Payment To XXXX To XXXX. They did not apply {$64.00} To XXXX ... .... XXXX. That is why I have I have {$52.00} That is locking my account. I spent {$70.00} from credit line of {$100.00} and paid {$70.00} in XXXX. Card should not be locked. I paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX  XX/XX/year> I do not recognize these hard inquiry and would like it 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 explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
The collection items listed on the provided report are inaccurate and stem from identity theft. I am not responsible for these debts and demand their immediate removal. I am being unfairly harassed through relentless communications targeting my family, electronic devices, and mailbox. This constant barrage is causing undue stress and XXXX. I urge you to rectify this situation promptly and cease all contact and collection efforts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I recently reviewed my credit profile and discovered several credit card accounts and inquiries that can not be verified. Additionally, some information is not 100 % accurate, including incorrect names, outdated addresses, old phone numbers, and charge-off accounts. These inaccuracies violate the laws designed to protect consumers, which mandate that all reported information must be completely accurate. 

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ), all information on my credit report must be 100 % accurate. The presence of these fraudulent collections and incorrect details in my credit report constitutes a significant violation of this requirement.

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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX Equifax and XXXX has been reporting inaccurate information which is violation of 15U.S. CODE 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX and XXXX has been reporting inaccurate information which is violation of 15U.S. CODE 1681

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 2024-08-10 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: GA

Complaint narrative:
I am writing to formally dispute the unauthorized access and use of my bankruptcy information that was obtained without a permissible purpose under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681a ( 2 ). 

I recently discovered that my bankruptcy information was accessed and reported by [ Name of the Entity or Source ], which, to my knowledge, does not have a permissible purpose for accessing this sensitive information. This action is in violation of the FCRA. 

Under 15 USC 1681b, a person or entity must have a permissible purpose to obtain my credit report or related information. As this entity does not meet the requirements for a permissible purpose, I request that you take the following actions : Investigate the unauthorized access and use of my bankruptcy information. 
Remove the bankruptcy information reported by the unauthorized entity from my credit report. 
Provide me with written confirmation of the actions taken and a copy of my updated credit report once the investigation is complete.

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