vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
I submit this complaint against Navy Federal Credit Union for violating consumer protection laws through : 1. False and Deceptive Practices ( 15 USC 45 ) : - Misrepresenting account ownership and handling by denying creditor status assertion under 31 USC 3123.

- Failing to disclose accurate account terms and conditions.

2. Unfair Business Practices ( 15 USC 41 et seq. & State Laws ) : - Causing substantial injury through unfair account management, including withholding payment processing. 
- Engaging in high-pressure tactics by ignoring creditor status assertion and retaining payment submission. 
3. Violating Federal Reserve Laws : - 12 USC 411 : Navy Federal failed to maintain accurate records of transactions, specifically ignoring creditor status and misclassifying account type.

4. Violating Obligations of Persons and Status as Person Defined : - 18 USC 8 : Navy Federal acted as a " person '' under this statute, engaging in transactions ( account management ) affecting interstate commerce while violating federal laws.

5. Violating Consumer Financial Protection Laws : - Truth in Lending Act ( TILA - 15 USC 1601 et seq. ) : Failing to disclose accurate account terms, including APR and fees.

- Fair Credit Reporting Act ( FCRA - 15 USC 1681 et seq. ) : Causing inaccurate credit reporting by misclassifying account status.

- Consumer Financial Protection Bureau ( CFPB ) Regulations ( 12 CFR 1022 et seq. ) : Violating consumer protection standards in account management and payment processing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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:
Numerous errors on credit report. Inaccurate balances, accounts that have been paid but still reporting as not paid, non mailable addresses, non reachable phone numbers. I have enclosed a copy of affidavit sent to the company to fix. 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 non-monetary relief
Consumer complaint received 2025-01-05 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-05 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-01-05 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: GA

Complaint narrative:
I am filing this complaint to report violations of the Fair Credit Reporting Act ( FCRA ) by XXXX, Experian, and XXXX. These entities have failed to ensure the accuracy of my credit report in compliance with the FCRA, specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies ( CRAs ) to follow reasonable procedures to assure maximum possible accuracy of the information in consumer credit reports.

Description of the Issue : 1. Inaccurate Information on Credit Reports : My credit report with XXXX and Experian reflects inaccurate information related to an account furnished by XXXXXXXX XXXX XXXX 

XXXX. Failure to Ensure Accuracy : Despite providing both CRAs and XXXX with documentation disputing the inaccuracy, they have not corrected the errors, nor have they updated the report to reflect the maximum possible accuracy as required by law. 

3. Ongoing Harm : These inaccuracies have damaged my creditworthiness, resulting in adverse decisions regarding credit applications.

Relevant FCRA Provisions : 15 U.S.C. 1681e ( b ) : Requires CRAs to follow reasonable procedures to assure maximum possible accuracy of the information in a consumers file.

15 U.S.C. 1681s-2 ( b ) : Requires furnishers like XXXX to investigate disputes forwarded to them by CRAs and report accurate information to the agencies. 



XXXX of Events : XXXX. XX/XX/XXXX : I disputed the inaccurate information with XXXX, Experian, and XXXX, providing documentation supporting my claim. 

XXXX. XX/XX/XXXX : Follow-up disputes were submitted, yet the inaccuracies persist on my credit reports, demonstrating a failure by all parties to comply with their obligations under the FCRA. 

XXXX. XX/XX/XXXX : I reviewed my credit reports and found no corrections or updates reflecting maximum possible accuracy. 



Violations : XXXX. XXXX and Experian : Failure to follow reasonable procedures to ensure maximum possible accuracy of my credit report. 

XXXX. XXXX Credit Card : Failure to conduct a proper investigation and update the CRAs with accurate information.

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 2025-01-05 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Charge-Off Reporting Error Dear TransUnion, I am writing to formally dispute an inaccuracy on my credit report under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I noticed incorrect information associated with the following account : Creditor : XXXX XXXX  Balance : {$52000.00} Date Reported : XXXX, XXXX, XXXX The inaccuracy pertains specifically to the reporting of a past due balance on a charged-off account, which violates standard credit reporting guidelines. A charge-off indicates the creditor has written off the entire balance, and therefore, no portion of the debt should be reported as past due since the full balance has already been written off. 

This misrepresentation is damaging my credit score and fails to meet the standards for accurate reporting as required under the FCRA ( 15 U.S.C. 1681 ). I am requesting that this error be corrected by either : 1. Removing the past due balance associated with the charge-off.

2. Deleting the entire account entry if it can not be verified for complete accuracy.

I have attached a copy of my credit report highlighting the error along with proof of my identity for verification purposes. Please investigate this matter promptly and update my report accordingly. 

I expect a response within 30 days, as required by the FCRA. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX 3rd Enclosures : Copy of Credit Report with the error highlighted Copy of ID ( Drivers License or Passport ) Proof of Address ( Utility Bill or Bank Statement )

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 2025-01-05 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: CA

Complaint narrative:
This information is inaccurate and does not belong 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 2025-01-05 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: CA

Complaint narrative:
This information is inaccurate and does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: IA

Complaint narrative:
it has come to my attention my personal information has been exposed in XXXX data breach. After reviewing my credit reports, I noticed some accounts i'm not familiar with. I have asked the CRAs for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. Please find attached my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a XXXX data breach and a validation of debt letter.

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 2025-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
One Main Financial offered an additional loan to pay off my existing title loan. 
They did not return my title after paying off the initial tile loan. 
They are now attempting debits to my bank account XXXX times per month that are not authorized at {$200.00}. XXXX time per month totaling {$600.00} per month for a car I paid off with XXXX miles currently and steering issues as. salvaged car. 

{$600.00} per month is not affordable and never authorized. I am demanding my title immediately, and loan of {$5000.00} was the initial loan, not {$11000.00} and not returning my titlw. 

I will not pay any further payments until the title is returned to me and I am able to trade the 2017 XXXX XXXX, that has recalls. I have reached out to XXXX XXXX with no answers to reimbursements of monies spent to correct the recalls. 
The car is salvaged and dangerous to drive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: FL

Complaint narrative:
Numerous errors on credit report. Inaccurate balances, accounts that have been paid but still reporting as not paid, non mailable addresses, non reachable phone numbers. I have enclosed a copy of affidavit sent to the company to fix. Again

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Dispute of Debt - Midland Credit Management Inc. {$1400.00} Dear CFPB Team, I am writing to formally dispute a charge-off listed under my name. I believe this debt is inaccurate and have specific concerns regarding the validity of the charge-off. Firstly, I have not received a Form 1099 nor any other documentation validating this debt, which should have been disclosed to me as part of the debt collection process. I understand that under the Fair Debt Collection Practices Act, I am entitled to receive proper notice regarding any debts that may be claimed against me. To the best of my knowledge, I did not incur the debt associated with this charge-off, nor have I ever been contacted by the original creditor regarding this matter. Additionally, my attempts to obtain documentation validating the debt have been unsuccessful. In light of the above, I am requesting a thorough investigation into this charge-off and any supporting documentation that validates the existence of this debt. I am also requesting that you provide me with a complete account history, including any communications sent to me regarding this matter. Please do not hesitate to contact me at XXXX or XXXX should you require any further information or clarification regarding my case. 
Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX XXXX. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
I am aware that according to article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with SOURCE RECEIVABLES MNG and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX XX/XX/year> I have not received any documentary evidence such as a trilateral contract giving SOURCE RECEIVABLES MNG any right to collect on this alleged debt. I have never received any documentation requesting validation from SOURCE RECEIVABLES MNG before they committed multiple violations under the FCRA & the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 USC 1692 ( d ) ( 4 ) which the FTC defines as debt parking. If SOURCE RECEIVABLES MNG can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing this on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until SOURCE RECEIVABLES MNG can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and SOURCE RECEIVABLES MNG continues its collection efforts, I will file for litigation for actual damages caused and SOURCE RECEIVABLES MNG will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud. Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. There is information on my credit report I do not have knowledge of

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 2025-01-05 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: CA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. There is information on my credit report I do not have knowledge of

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: CA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. There is information on my credit report I do not have knowledge of

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year>. Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year>. Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-01-05 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: CA

Complaint narrative:
in accordance with fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A section2. it also states a consumer reporting agency can not furnish a account without my written insturctions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States. no consumer reporting agency my make any consumer report containing any ot the following items of information Any other adverse item of informationother than records of convictions of crimes which anledates 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 resonable cause to believe thatvthe information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
I GOT A LETTER SAYING THAT MY PERSONAL INFO WAS IN A DATA BREACH AN WAS SOLD ON THE BLACK WEB. THEN I LOOK AT MY CREDIT REPORT AN SEEN SOME INACCURATE ADDRESS, INQUIRYS, AN COLLECTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/2024, I have requested a credit card dispute to Wells Fargo because XXXX charged me for truck damages despite I having purchased full damage coverage insurance. Prior to this dispute, I have tried reaching out to XXXX through their web messages and emails, but have yet to get proper response. 
On XX/XX/2024, I have received an email and secure message from Wells Fargo that the dispute request is received. 
On XX/XX/2024, I have received an email and secure message from Wells Fargo that the dispute request is in progress. 
On XX/XX/2024, I have received an email and secure message from Wells Fargo that the dispute request is in still in progress and the merchant haven't updated yet. 
On XX/XX/2024, I manually checked Wells Fargo 's " My Claims '' page, and found that the dispute is closed, without any form of notification, including email, secure message, and text message. I subsequently called Wells Fargo, which the agent said that the resolution letter is sent to me, and also read out its content. On the same day, I send a written request to appeal the dispute decision. 
However, as of XX/XX/XXXX, I have yet to hear back from Wells Fargo regarding the dispute.

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