vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
on XX/XX/XXXX i received form navy fed alerting me that some one had added or changed the contact info for XXXX XXXX IF I DID NOT MAKE THESE CHANGEDS TO CONTACT NAVY FED IMMEDIATELY WITCH I DID AT THAT TIME THEY FROZEN ACCOUNT.AFTER FURTHER RESEARCH WE WAS TOLD THAT FRAUD WAS COMING FROM MY WIFE SIDE OF THE ACCOUNT THAT MY SIDE OF THE ACCOUNT WAS CLEAR UN FROZE MY SIDE SOMR TIME IN THE MIDDLE OF THE NIGHT ON XX/XX/XXXX MY SIDE OF THE ACCOUNT WAS Hacked again navy fed allowed the same person useing the same name to change my XXXX contact and do a {$1500.00} XXXX transfer they have told me and my wife that they would put the money back but they not and will not tell why

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I am writing in regards to the response to an existing complaint I filed against Money Network ( XXXX ). I called and spoke to a representative at CFPB who advised me to start a new complaint. 

The response letter from Money Network should not be an acceptable response since it is verifiably false. The response letter includes the full account and routing number of the bank where the fraudulent transfer was sent, and STATES THAT THE ACCOUNT BELONGS TO ME ( XXXX XXXX ). 

Using the account and routing number provided to me in Money Network 's response letter, I found the account was a XXXX XXXX account. I contacted XXXX XXXX who said the account in question is not in my name and never has had any association with me. 

XXXX XXXX provided XXXX different letters stating that the account which Money Network claims is in my name, is NOT in my name and never has been. The second letter also makes reference to the {$3500.00} transfer. This is all new information I was able to obtain after receiving the CFPB response letter from Money Network since that letter included the full account and routing number of the bank in question. I did not have that information prior to receiving the CFPB response letter from Money Network.

I believe Money Network should be required to provide a response to this matter which is at least truthful and accurate, and address the issue by refunding my money since this is quite clearly fraud. 

I was asked by a CFPB representative to only include the new information pertaining to this case, but I can gladly provide all of the information that was included in the original complaint again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-08-03 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: NY

Complaint narrative:
I did not give permission to this company to have this report. 
You have no legal authority or permissible purpose to place any account in my consumer reports pursuant to 15USC 6802. 


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 2024-08-03 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: FL

Complaint narrative:
XXXX OBTAINED MY PERSONAL INFORMATION AND REVOKED MY RIGHTS TO PRIVACY AND HAVE COMPROMISED MY IDENTITY THROUGH A THIRD-PARTY 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 non-monetary relief
Consumer complaint received 2024-08-03 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I applied for a XXXX XXXX XXXX in XXXX or so but I never activated the card. The company decided they ( XXXX Bank ) would apply my yearly membership to the card without checking if I truly wanted to renew my membership. I contacted them when the balance was just {$36.00} to ask for the charges to be removed and that I did not desire to renew my membership at this time. I informed them that I normally paid cash for membership and not a credit card. They stated they would take off the charges. The next month they added a late fee of {$16.00} to the XXXX, which increased the balance owed. I contacted them again and they stated they would correct the problem by removing the charges. This problem has gone on and on and they have REFUSED to remove the charges that have now skyrocketed to {$190.00}. I wrote them a letter again in XX/XX/XXXX explaining the situation and again they reassured me that they ( XXXX XXXX ) had contacted the XXXX credit bureaus to resolve the matter. This was NEVER done and this is still sitting on my credit report as of today as a DELINQUENT ACCOUNT for over XXXX  days. I would like for this matter to resolved and all of this information permanently removed from my credit report because it has lowered my XXXX XXXX. Please see the attached letter sent to XXXX Bank in regards to resolving the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I made a payment of XXXX that posted to my account on XX/XX/year>. This payment has paid my account off in full. XXXX XXXX XXXX  is still refusing to correct the payment status to paid in full after I disputed the information with XXXX, Transunion and XXXX. They are still reporting the incorrect balance 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 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I made a payment of XXXX that posted to my account on XX/XX/year>. This payment has paid my account off in full. XXXX XXXX XXXX  is still refusing to correct the payment status to paid in full after I disputed the information with Experian, XXXX and XXXX. They are still reporting the incorrect balance 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 2024-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
I only found out I owed a debt because of my credit dropping drastically. When I called the company number provided by the credit bureau, the representative did not tell me any info about what this alleged debt was for or when it occurred. The rep gave me a XXXX XXXX XXXX address that was apparently used to get credit or open an account in my name, and I told them this was fraud likely because of the XXXX  data breach I was affected by. I was told I would be sent a fraud packet but was given no timeline for this and have not received it. When I tried calling again I was placed on hold for XXXX minutes and was not able to speak to a representative to follow up. Meanwhile, my perfect credit score has dropped by XXXX points and I cant get a representative to communicate with me or update 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 2024-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
this company is violating my rights they have not provided validation information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 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: MA

Complaint narrative:
I have found several unauthorized inquiries on my consumer report. Inquiries initiated by a person that did not have my authorization or a permissiblepurpose. I have been a victim of identity theft. Please remove these fraudulent inquiries from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 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: NY

Complaint narrative:
I recently reviewed my credit report and discovered an error in the payment history of one of my accounts. The report falsely indicates that I made a XXXX late payment to XXXX XXXX XXXX XX/XX/year> XXXX when in fact the payment was made on time. It is imperative that all consumer credit agencies adhere to the Fair Credit Reporting Act ( FCRA ) and accurately report information. I have attached a copy of my report to support this complaint. I request your prompt investigation into this matter and the correction of the payment history for this account. Thank you for your attention and swift action regarding this issue.

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 2024-08-03 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: NY

Complaint narrative:
I recently reviewed my credit report and discovered an error in the payment history of one of my accounts. The report falsely indicates that I made a XXXX late payment to XXXX XXXX XXXX XX/XX/year> XXXX when in fact the payment was made on time. It is imperative that all consumer credit agencies adhere to the Fair Credit Reporting Act ( FCRA ) and accurately report information. I have attached a copy of my report to support this complaint. I request your prompt investigation into this matter and the correction of the payment history for this account. Thank you for your attention and swift action regarding this issue.

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 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Velocity Portfolio Group
State: CA

Complaint narrative:
On XX/XX/2024, I sent a debt validation letter to Velocity Investments LLC regarding an account ending in XXXX, with a balance of {$37000.00}, originally from XXXX XXXX  XXXX To date, they have not validated this debt. Despite my dispute, XXXX continues to report this debt as accurate. I request Velocity Investments LLC to cease all collection activities and report the debt as " Paid in Full, On Time '' to all credit reporting agencies. Additionally, I request XXXX to update my credit report accordingly and to notify any company that accessed my credit report within the specified timeframes.

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 2024-08-03 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:
On XX/XX/2024, I sent a debt validation letter to XXXX XXXX XXXX regarding an account ending in XXXX, with a balance of {$37000.00}, originally from XXXX XXXX  XXXX To date, they have not validated this debt. Despite my dispute, Equifax continues to report this debt as accurate. I request XXXX XXXX XXXX to cease all collection activities and report the debt as " Paid in Full, On Time '' to all credit reporting agencies. Additionally, I request Equifax to update my credit report accordingly and to notify any company that accessed my credit report within the specified timeframes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc.
State: KS

Complaint narrative:
Received a letter from State Collection and they indicated that I owe {$110.00} and some change for a XXXX XXXXXXXX XXXX XXXX XXXX I have never been to this establishment. I have checked my records with my insurance company and they have no record of any claim coming from this XXXX XXXX XXXX on this date. I did on that date go to XXXX XXXX XXXX XXXX and that is through XXXX XXXX XXXX which is now a part of the XXXX XXXX XXXX XXXX. I do not know if there was a computer glitch in which my personal information some how got leaked but I do not owe this debt. I have even tried to get on the patient portal with this XXXX XXXX XXXX and they do not have any record of an account for me. I have requested an investigation and proof of this so called debt. Have not received a thing from this XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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 am disputing the account detailed below, which remains on my credit report despite your prior investigation. I request an immediate re-investigation as the inaccuracies are significantly damaging to my credit score. 

Account : XXXX XXXX XXXXXXXX Account # : XXXX Account : XXXX XXXX Account # : XXXX Under the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ), please provide the names and business addresses of the individuals with whom you verified this account. Additionally, send me an updated copy of my credit report following your re-investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 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 am disputing the account detailed below, which remains on my credit report despite your prior investigation. I request an immediate re-investigation as the inaccuracies are significantly damaging to my credit score. 

Account : XXXX XXXX XXXXXXXX Account # : XXXX Account : XXXX XXXX Account # : XXXX Under the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ), please provide the names and business addresses of the individuals with whom you verified this account. Additionally, send me an updated copy of my credit report following your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX 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/2024 and XX/XX/2024 I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX 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> and XX/XX/year> I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank 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