vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Hello, I am an investor for Navy Federal since I receive a payment coupon on a monthly basis. Payment coupon are defined as The dollar amount of interest paid to an investor. The amount is calculated by multiplying the interest of the bond by its face value I HAVE NOT RECEIVED MY INTEREST FOR THE ACCOUNT ENDING IN XXXX NOR HAS THE INTEREST AND PRINCIPAL BEEN APPLIED TO THE ACCOUNT FOR SET OFF. XXXX, XXXXAgent on behalf of XXXX XXXX accepts all right XXXX titles, and interest for account ending XXXX. XXXXAgent on behalf of XXXX XXXX REVOKES POWER OF ATTORNEY and SECURITY INTEREST FOR NAVY FEDERAL CREDIT UNION FOR ACCOUNT ENDING IN XXXX. I am requesting the account be REOPENED since I provided an asset back security/loan/investment/debt security/receivable/registered security/book entry security to Navy Federal Credit Union and I have not received equal consideration This account is already prepaid due to my application/account being pledged to the federal reserve bank as collateral security. The XXXX Annual Report states At XX/XX/XXXX, Navy Federal pledged consumer and credit card loans to the FRB as collateral with a carrying amount of {$42.00} XXXX for the ability to borrow up to {$28.00} XXXX. At XX/XX/XXXX, Navy Federal pledged mortgage loans held for investment with a carrying amount of {$26.00} XXXX and debt securities with fair value of {$1.00} XXXX to the XXXX as collateral for the ability to borrow up to {$20.00} XXXX. As of XX/XX/XXXX, Navy Federal pledged {$25.00} XXXX of consumer and credit card loans 50 Navy Federal Credit Union XXXX Annual Report NOTES TO CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEARS ENDED XX/XX/XXXX AND XXXX to the XXXX  as collateral for the ability to borrow up to {$19.00} XXXX. Please note this is SECURITIES FRAUD pursuant to 18 U.S. Code 1348 - Securities and commodities fraud since the security was obtained by means of false or fraudulent pretenses, representations. The cardmember agreement never disclosed the account would become a receivable that is securitized and sold on the secondary market or the credit card loan being pledged to the Federal Reserve as collateral. Please complete the request within 10 business days of receipt or I will be forced to escalate this matter to the proper regulatory authorities such as the SEC, FIRNA, IRS. Please do not hesitate to contact me at XXXX or XXXX if any questions arise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I do not have a contract with I C SYSTEM INC, they did not provide me with the original contract as I requested.

I find it concerning that I C Systems is not complying with legal request. Are they even registered with the state and county?

I request I C Systems INC collection agency provide proof they sent debt validation, as is my legal right.

If I C Systems INC can not provide proof, I demand this account be removed from my credit reports, as is my legal right per FCRA section 623. ( a ) ( i ). 

According to XXXX XXXX XXXX 1997 IC Systems Inc is suppose to ensure " maximum '' possible " accuracy ''. 

This account violates : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. 
Delete this account! 

I already have a complaint in with the XXXX, and IC Systems INC refuses to abide by my legal request and is continuing their violations of the FCRA 623 ( a ) ( i ) For your records, this XXXX complaint was assigned ID XXXX in the XXXX  system. 
XXXX  contact below XXXX XXXX Dispute Resolution Specialist XXXX Thank you!

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 2024-04-29 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: CL Holdings LLC
State: FL

Complaint narrative:
I am writing to bring attention to the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681, Section 602 ( a ). This section emphasizes the critical role of consumer reporting agencies ( CRAs ) in our financial system and underscores the importance of treating consumers fairly, impartially, and with respect for their privacy rights. 
As both XXXX and XXXX operate as consumer reporting agencies, it is imperative that they adhere to the principles set forth in the FCRA. As a consumer, I assert my right to ensure that my private information remains confidential and is not shared without proper authorization. This right is supported by 15 U.S. Code 6801, which places an obligation on financial institutions to safeguard customer privacy.

Furthermore, according to 15 U.S. Code 1681, Section 604 ( a ) ( 2 ), consumer reporting agencies may only furnish consumer reports with explicit written consent. I have not provided such consent, and any previous consent granted to XXXX, XXXX, or other information furnishers to credit agencies is hereby revoked. 
Additionally, 15 U.S. Code 6802 ( b ) mandates that financial institutions inform consumers of their right to opt out of information disclosure. Regrettably, this requirement has not been met by XXXX and XXXX. 
Moreover, 15 U.S. Code 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse items in reports without proper authorization. XXXX and XXXX must adhere to this standard. 
Lastly, 15 U.S. Code 1681s-2 ( A ) ( 1 ) prohibits the furnishing of inaccurate information, while 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to prevent violations. Unfortunately, it appears that XXXX and XXXX are falling short in meeting these standards. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: GA

Complaint narrative:
This account has been reporting inaccurate information and it was reported as verified by the credit bureau. 

This account is in complete violation of Sec 15 USC 1601 Acct XXXX  Account Status Date Opened Last reported date Date of Last Active Transunion has no payment history.

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This account has been reporting inaccurate information and it was reported as verified by the credit bureau. 

This account is in complete violation of Sec 15 USC 1601 Acct XXXX Account Status Date Opened Last reported date Date of Last Active XXXX has no payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: NJ

Complaint narrative:
XXXX. On XX/XX/year>, I hired a XXXX XXXXXXXXXXXX XXXX XXXX company XXXX XXXX  XXXX to do work on my house in XXXX, NJ ; XXXX. I had planned to pay the contractor upon completion of the work with a Wells Fargo ( " WF '' ) credit card, and I allowed the salesman to write the cc number on the contract ; XXXX. On or about XX/XX/year>, I notified Wells Fargo that the home improvement company I hired did not complete a major portion of the work, and XXXX, XXXX that the credit card charge that I promised to pay with the NJ contractor upon completion should not be processed and paid because the work was not completed. 
XXXX. New Jersey laws very strongly regulate home improvement contractors and their activities in NJ, but XXXX, XXXX. Wells Fargo did and continues to encourage violations of such NJ laws, in effect becoming an accomplice, a co-conspirator and an accessory to law violators in NJ. 
XXXX. My home improvement agreement was made with a XXXX XXXX " XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '', of XXXX XXXX and XXXX, XXXX that was the entity that I told WF that did not complete a major portion of the work. 
XXXX. WF was instead contacted by another, foreign, out-of-state, entity that apparently did the bookkeeping for my contractor, and was told fantastical stories that it believed without any shreds of evidence or proof, perhaps because that entity also has XXXX in its name but is from XXXX, Ohio, and is not registered to do any work in NJ ; to wit : XXXX. WF writes that We ( they as in Wells Fargo ) have confirmed that the merchant is willing to and able to provide services, but the confirmation is not provided or explained ; and XXXX, XXXX. WF also writes that We ( they-Wells Fargo ) also have record that you ( as in I ) accepted an alternative resolution from the merchant that they will provide the services to you, but the record in whatever form that is, is not provided or even described. 
XXXX. WF concludes that we do not have dispute rights when a customer has accepted a direct resolution from the merchant, apparently according to XXXX of Ohio. 
XXXX. Therefore, WF credits statements of out-of-state non registered entities that could not even drive a nail in New Jersey, to decide when dispute rights have vanished in a dispute with a XXXX XXXX contractor.

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 2024-04-29 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 of 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 non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Arivo Acceptance, LLC
State: GA

Complaint narrative:
Arivo Acceptance continues charge my card and bank account without any consent or prior authorization. On XX/XX/year> they debited my card for {$110.00} without my consent or knowledge. I contacted the business about this and they apologized for the action of their employee and refunded the {$110.00}. On XX/XX/year>, the company made a withdrawal from my checking account again without any consent or prior authorization. I never called nor spoke with anyone to authorize them to withdraw from my account nor set any kind of arrangements for those transactions. The company tells me to dispute with my bank instead of returning my funds to me so that I am charged more fees on my loan agreement.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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:
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 non-monetary relief
Consumer complaint received 2024-04-29 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:
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 2024-04-29 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: NC

Complaint narrative:
i reviewed my credit report and i seen some unauthorized auto loan, credit card and hard inquiries i did not apply for which violates my rights under 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding includes ; expect as provide in section 15 USC 1681g ( a ) ( 5 ) of title, a consumer reporting agency shall not furnish to any person a record of inquiries in collection with a credit or insurance transaction that is not initated by a consumer inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
Getting calls from a office of XXXX about a debt from XXXX or XXXX. 

I don't have any records of collections on my credit report. 

I am being threatened with Court action. 

They are saying they sent me a letter that I never received. 

I don't know if this is legitimate or not. I need some clarification on this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: TX

Complaint narrative:
Equifax, XXXX, and XXXX is falsely reporting XXXX XXXX XXXX- {$2800.00} on my credit profile. 

This account does not belong to me. This is not an attempt to repair credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello I am submitting this complaint Because Oportun have reported to my credit profile wrong information I have seen in my report that I have 3 missed payments that are reporting incorrectly. 

I have tried to contact the lender and ask for deletion but havent been possible Under the federal law 15 USC 1666B ( a ) " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY purpose. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: GA

Complaint narrative:
I request that these inquiries be removed. I have no knowledge of them, and they were done by the company without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I hope this letter finds you well. I am contacting you to request updates and corrections to my personal information as currently listed in your records. The accuracy of this information is critical to me, and I appreciate your prompt attention to this matter. 

Please make the following updates to my personal profile : Address Update : Kindly update my residential address to the following : XXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX Name Correction : Please correct my name to reflect the following accurately : XXXX XXXX Social Security Number Confirmation : For your records my sole social security number ends in:XXXX  Date of Birth Confirmation : My correct and only date of birth iXXXX XXXX XXXX  Telephone Contact Update : My current and only phone number is : XXXX Furthermore, I request the removal of all other addresses associated with my profile that are not deliverable by the U.S. Postal Service. These addresses are inaccuracies and, as such, should be deemed non-reportable under the Fair Credit Reporting Act ( FCRA ). Enclosed, please find copies of my driver 's license, Social Security card, and proof of residence to assist in verifying my identity and supporting the requested changes. I trust that these updates will be reflected promptly and accurately. Should you require any additional information or documentation, please do not hesitate to contact me directly.

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 2024-04-29 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: NC

Complaint narrative:
I hope this letter finds you well. I am contacting you to request updates and corrections to my personal information as currently listed in your records. The accuracy of this information is critical to me, and I appreciate your prompt attention to this matter. 

Please make the following updates to my personal profile : Address Update : Kindly update my residential address to the following : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NC XXXX Name Correction : Please correct my name to reflect the following accurately : XXXX XXXX Social Security Number Confirmation : For your records my sole social security number ends in:XXXX Date of Birth Confirmation : My correct and only date of birth is : XX/XX/ Telephone Contact Update : My current and only phone number is : XXXX Furthermore, I request the removal of all other addresses associated with my profile that are not deliverable by the U.S. Postal Service. These addresses are inaccuracies and, as such, should be deemed non-reportable under the Fair Credit Reporting Act ( FCRA ). Enclosed, please find copies of my driver 's license, Social Security card, and proof of residence to assist in verifying my identity and supporting the requested changes. I trust that these updates will be reflected promptly and accurately. Should you require any additional information or documentation, please do not hesitate to contact me directly.

Company response to consumer: Closed with non-monetary relief