vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
This claim is made to dispute the reporting of late payments on my credit card account number XXXX with NAVY FEDERAL CREDIT UNION. I have not received any billing statements or notifications of late payments from XXXX XXXX XXXX XXXX XXXX ). This violates 15 U.S.C. 1666c ( a ), which requires creditors to send periodic statements at least 21 days before the payment due date. There has been no communication informing me of the billing cycles or due dates for my payments during the specified periods. This is contrary to the requirements of 15 U.S.C. 1637 ( b ). I have made several attempts to resolve this issue, including contacting NAVY FEDERAL CREDIT UNION and the credit bureaus to inquire about the missing billing statements and the erroneously reported items on my credit report. 

I formally request that NAVY FEDERAL CREDIT UNION correct the inaccuracies in my credit report by removing all reported late payments that do not comply with statutory requirements, as outlined in 15 U.S.C. 1681s-2 and UCC 9-210 . Specifically, UCC 9-210 grants me the right to request an accounting or a list of collateral and imposes a duty on the secured party to provide such information within 14 days of the request. 

Specific Incidents Non-Receipt of Bill Documents : I have not received any billing statements or notifications of late payments related to my account. This failure to provide the necessary documents means I was not made aware of any impending payment due dates or late payment statuses. 
XXXX. Lack of Notification : There has been no communication, whether by mail or electronic means, informing me of the billing cycles or the due dates for my payments 21 days before it was due. This lack of notification directly contravenes the statutory requirement to ensure that periodic statements are delivered no later than 21 days before the payment due date. 
XXXX. Reporting Errors : The high credit reported by XXXX as {$0.00} is inconsistent with XXXX and XXXX. This violates 15 U.S.C. 1681s-2 ( a ), which mandates that furnishers of information must provide accurate information to consumer reporting agencies. 
XXXX. Late Payments Reporting : XXXX shows XXXX late payments for XXXX and XX/XX/year>, while XXXX and XXXX do not report these late payments. This inconsistency is a clear violation of 15 U.S.C. 1681s-2 ( b ), which requires an investigation and correction of any inaccuracies when disputed by the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CAROLINA FINANCE, LLC
State: SC

Complaint narrative:
I was involved in a voluntary repossession with Carolina Finance. I did not receive any of the documentation lawfully required to be sent regarding a vehicle repossession. I wish for proof that the documentation was sent as lawfully required including but not limited to all notices of delinquency and notices of sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. 
The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX have already corrected these inaccuracies due to an identified error. I am puzzled as to how you have verified these accounts while the other bureaus have updated them. Therefore, I request that you correct these accounts in my credit file, as they are inaccurate, erroneous, incomplete, or unverifiable. 

I insist that you cease reporting these accounts as late on my credit report immediately. Failure to comply with this request XXXX result in legal action against your agency. I specifically wish to dispute the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: NY

Complaint narrative:
I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent account on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed this account from their records. I have also directly contacted the bank associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

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 2024-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous inquiries on my credit report that were not opened by me. The inquiries are unauthorized and fraudulent.

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 2024-06-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Columbia Debt Recovery LLC DBA GENESIS bought a debt from XXXX XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX for the amount of information {$800.00}. I sent them an email on XXXX XX/XX/XXXX requesting a copy of the original debt with my signature stating that interest would accrue if my debt wasnt settled and they were unable to provide that to me and continue to illegally charge me interest. The last update on my credit report updated on XXXX XXXX shows the amount {$880.00}. My last email communication with this company is stated below " This paperwork is not what i asked for. I asked for the original debt stating interest would accrue.I have a copy of the original chargesowed to XXXX XXXXXXXX XXXX XXXX XXXXAND NO INTEREST IS MENTIONED OR CALCULATED. Also, thecopy you attached is inconsistent with what I initially received. Theapartment debt doesnt match the original debt I received from XXXXXXXX XXXX XXXX XXXX becausethe amountsyou providedare inconsistent with the original amounts. In light of thisI would like to dispute this debt because XXXX Texas Debt Collection Act and the Texas DeceptiveTrade Practices/Consumer Protection Act and Iwill alsodispute it directly with the Attorney General. Thank you for NOTprovidingme withthe information requested. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, i did not give you XXXX permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. 
The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX have already corrected these inaccuracies due to an identified error. I am puzzled as to how you have verified these accounts while the other bureaus have updated them. Therefore, I request that you correct these accounts in my credit file, as they are inaccurate, erroneous, incomplete, or unverifiable. 

I insist that you cease reporting these accounts as late on my credit report immediately. Failure to comply with this request XXXX result in legal action against your agency. I specifically wish to dispute the following accounts : 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 2024-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
After I forwarded a copy of the FTC report, it became apparent that credit bureaus are not obstructing records. I'm sending this complaint to help with the legal response because it's required under FCRA regulation 605b. I will provide over my archives to my lawyer so that they can start a legal action if you choose not to impede the associated items listed below that are providing incorrect answers due to fraud. As it is not my intention to pursue any lawful activity, please abide by the law if it is not too difficult. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-10 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: EQUIFAX, INC.
State: NV

Complaint narrative:
After I forwarded a copy of the FTC report, it became apparent that credit bureaus are not obstructing records. I'm sending this complaint to help with the legal response because it's required under FCRA regulation 605b. I will provide over my archives to my lawyer so that they can start a legal action if you choose not to impede the associated items listed below that are providing incorrect answers due to fraud. As it is not my intention to pursue any lawful activity, please abide by the law if it is not too difficult. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-06-10 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CL Holdings LLC
State: NC

Complaint narrative:
15USC1692C ( C ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 oclock antemeridian and before 9 oclock postmeridian, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
I called the debit Visa card number on the back of the card. My sister gave me this gift card for XXXX and I had activated the card before and decided to use it at the store and it ended up not working. I stuck the card back into my wallet and tried making an online purchase and it didnt work either. I kept the card in my wallet for months since it wasnt working. I called today and asked why my gift card has never worked and told me that they couldnt activate my card due to fraud which was so frustrating because I hadnt really used it at all and the times I did use it, it did not work. The worst part is their website never works to activate my card online. What kind of company has a website and calling center that does not provide solutions? Is there anything that can be done?

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 2024-06-10 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: CA

Complaint narrative:
I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. 
The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX have already corrected these inaccuracies due to an identified error. I am puzzled as to how you have verified these accounts while the other bureaus have updated them. Therefore, I request that you correct these accounts in my credit file, as they are inaccurate, erroneous, incomplete, or unverifiable. 

I insist that you cease reporting these accounts as late on my credit report immediately. Failure to comply with this request XXXX result in legal action against your agency. I specifically wish to dispute the following accounts : 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 2024-06-10 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: TX

Complaint narrative:
Experian is Reporting a late payment on my credit report. I have reported this incorrect and also asked for this to be corrected and updated.I have repeatedly asked to update or send information from investigation. To this date I have yet to receive any information or proof this information is correct. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 5 USC 1681 section 6 o 2 states. I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan go late for any purpose.

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 2024-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizens Bank sends out advertisements to customers promising them {$600.00} account opening bonuses. 

The advertisements have unique codes that customers have to enter on citizens.com website. 

However, when customers enter the codes sent to them, Citizens bank gives them the following message Offer code below could not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This is to follow up despite our previous attempts, I regret to inform you that these fraudulent items still persist on my record. I want to emphasize the critical importance of rectifying these discrepancies promptly. The presence of fraudulent items not only undermines my financial credibility but also poses significant challenges for my financial well-being and future credit opportunities. I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. 
Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these fraudulent items removed from my credit report. I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$4400.00} ; XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX Balance Owed : {$670.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$7200.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$3200.00} ; XXXX XXXX  XXXX Balance Owed XXXX {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$5600.00} XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$4400.00} ; XXXX XXXX XXXX Balance Owed : {$670.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$3200.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance  Owed : {$3300.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$110.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX ; XXXX XX/XX/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