vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am reaching out and seeking counsel to file a lawsuit against Navy Federal for improper debt collection and the illegal freezing of my and my husband 's accounts. Upon thorough examination, it has come to our attention that there are substantial irregularities in the legal procedures followed, and we believe that the actions taken by Navy Federal may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ).

This is in direct contradiction to the provisions outlined in the FDCPA, specifically, Section 807 ( 11 ), which expressly prohibits the false representation or implication that a debt collector has the authority to seize, garnish, attach, or sell any property or wages without a valid court order or proper legal process.

Additionally, our due diligence has uncovered disturbing information about XXXX XXXX XXXX, who is not a law firm, but a debt collector. We have contacted the Supreme Court of XXXX XXXX, where it appears that a judgment was filed without proper presentation and assignment to a judge. Furthermore, we have received an email from an individual named XXXX, inquiring about the total amount frozenthis is the same individual associated with the initiation of the request. Moreover, attempts to contact XXXX and XXXX through provided numbers have been futile, as they are either disconnected or redirected to personal cell phones. It is noteworthy that XXXX and XXXX are not accredited through the XXXX XXXX XXXX, and multiple complaints have been registered against your agency. 

Additionally, I never signed an agreement with XXXX XXXX XXXX, and the response from Navy Federal that we have received, was because my husband has access to my accounts, they have to place a freeze on all of my personal accounts. Currently, we have $ XXXX that is being held up and no access to these accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover Bank Im writing to exercise my right to opt out of the sharing of my nonpublic personal information with non-affiliated third parties, as granted by the Gramm-Leach-Bliley Act ( GLBA ). Specifically, I request that you do not share my personal information, including my credit card numbers, account balances, and transaction history, with any non-affiliated third parties, including marketing companies or credit reporting agencies.

I also dispute any inaccuracies in my credit report and request a copy of my credit score and the method used to calculate it.

Please be aware that the consumer reporting agency is a non-affiliated party and therefore I request that you remove my personal information from their records immediately, account number ( XXXX ) Failure to do so will result in legal action taken against your company. 

I expect a written confirmation of my opt-out request and a correction of any inaccuracies in my credit report within XXXX  days, as required by the GLBA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 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: FL

Complaint narrative:
I have requested these inquiries be removed as I never authorized them and believe they are due to identity theft I experienced. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-30 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX of XXXX  I had 2 disputes I made and nothing did not happen and it keep messing up my credit, which they knew it was frod and keep coming back and 1 stayed..no action was taken cause.its still on my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: IL

Complaint narrative:
Hello Consumer Financial Protection Bureau, I hope you are doing well. I would like to file a report in order to dispute a debt collections account that was opened in my name by my prior apartment 's leasing agency, XXXX XXXX. 

This collections account was opened in my name for the amount of {$1300.00}, however I contest that this number is not accurate and furthermore I do not owe XXXX XXXX ( XXXX XXXX, XXXX  ) any money outstanding. 

To explain, over the course of XXXX ( lease beginning XX/XX/XXXXXXXX  ending XX/XX/XXXXXXXX  ) I paid XXXX XXXX every fee that was required as outlined in the lease however right after I moved they began to claim I owe {$1300.00} in outstanding fees & charges. 

I do not understand at all where this number came from, since the only feedback I received after inspection said verbatim : " Keys ok Parking XXXX XXXX Very very dirty '' and " Full paint Full make over They trashed the unit Replacement of all blinds Rekey unit..keys above kitchen sink Add ac in bedroom Fix trim under front door '' Given the fact that nothing was broken in the short amount of time I lived there, I do not understand nor agree with anything that was written, and I question the validity of the individual who wrote this as the language here is poorly written at best and borderline incomprehensible ( I do not have any idea what the XXXX refers to, for example ). All appliances and surfaces were cleaned and returned in the same condition as I received them in. 

Further to the feedback above, many of these statements are either downright untrue or completely unreasonable. " Very Very dirty '' is not true since the walls, floor, and ceiling were all sanitized/disinfected and cleared of debris. " Full make over '' is referenced as something I am being charged for, however this is outrageous considering the real estate agent specifically told me before moving in that this particular unit was just remodeled, so it makes no sense that I would be charged for a " full make over '' of the apartment. Another thing that is mentioned is " Add ac in bedroom '' which is another outrageous thing for me to be charged for. The apartment did not have air conditioning in the bedroom to begin with when I moved in, so why am I being held responsible to pay for a new AC unit in the bedroom? 

In conclusion, from what I have gathered I am being unfairly penalized for a sum of {$1300.00} in charges from XXXX XXXX XXXX XXXX XXXX XXXX I have attached my payment history which confirms receipt of my monthly dues/expenses for the full 12-month period of the lease. Since I've paid the full balance that was required as outlined, I believe it is unlawful for this company to file a debt collection in my name and I believe I am entitled to have this penalty removed from my credit history. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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: TX

Complaint narrative:
A request was submitted multiple times to have this inaccurate reporting removed from my credit report. The furnishers of information responded claiming this account was accurate, however I am not liable for this debt with XXXX XXXX XXXX for {$1200.00}. They did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2 by keeping this inaccurate account on my credit file. This company has no permission to report illegitimate details using my personal information pursuant to 15 USC 1681 4. 

After months of disputing, this account is still reporting inaccurate late payments well past the statute of limitations. This account has incorrect details reporting through different agencies regarding last payment dates and late payment history, which are false. 

For example, the collection account had been active for years in collection status, then in XXXX  marked up to 180 days past due, and then continued collection status thereafter. 

Furthermore, in XX/XX/2023 one or more credit reporting agencies have REMOVED this account from my credit file due to these violations and inaccurate reporting. I have seen this account only closed with other reporting agencies who have not validated this debt or details reporting, nor have provided me proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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: TX

Complaint narrative:
A request was submitted multiple times to have this inaccurate reporting removed from my credit report. The furnishers of information responded claiming this account was accurate, however I am not liable for this debt with XXXX XXXX XXXX for {$1200.00}. They did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2 by keeping this inaccurate account on my credit file. This company has no permission to report illegitimate details using my personal information pursuant to 15 USC 1681 4. 

After months of disputing, this account is still reporting inaccurate late payments well past the statute of limitations. This account has incorrect details reporting through different agencies regarding last payment dates and late payment history, which are false. 

For example, the collection account had been active for years in collection status, then in XXXX marked up to 180 days past due, and then continued collection status thereafter. 

Furthermore, in XX/XX/2023 one or more credit reporting agencies have REMOVED this account from my credit file due to these violations and inaccurate reporting. I have seen this account only closed with other reporting agencies who have not validated this debt or details reporting, nor have provided me proof.

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 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had a credit card with XXXX XXXX XXXXXXXX over 7 years ago. Experian and XXXX refuse to remove it though XXXX has already removed it from my credit report. I have attached the results of the XXXX dispute and they have correctly removed the entry from my credit report. I request for the same to be done in my Experian and XXXX reports.

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 2023-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Even though Ive been a customer of Barclays Card US since XXXX, in XXXX my card is suddenly blocked. According to the company, I failed to provide sufficient proof of my identity. I had submitted a previous complaint regarding this matter and received a response from XXXX from the XXXX XXXX XXXX XXXX. While the documents I submitted was sufficient to update my name on my account from XXXX XXXX to XXXX XXXX XXXX and issue me a new card in mid XXXX and charge me the annual fee of {$89.00}, my card is still blocked because I have not provided sufficient proof of my identity and as a result, my Barclays XXXX XXXX  card remains blocked. 

To comply with the response received on my earlier complaint, I faxed the required documents to reactivate my XXXX XXXX card to XXXX and received a Confirmation that the fax went through. I then called and left a message for XXXX, the individual who responded to my complain on behalf of the XXXX XXXX XXXX XXXX for Barclay Card XXXX XXXX XXXX XXXX. I left a message that I faxed successfully and asked him to review the matter and get back to me. As of XXXX, I have not received a response and my card remains blocked. In my fax to XXXX with the required documents I sent XXXX a letter and to date I have not received a response or a call re the matter and my card remains locked.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Revolut Technologies Inc.
State: NY

Complaint narrative:
The Revolut XXXX continues to deny my correct Social Security Number in the new account verification process and make my new created account unavailable to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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: CA

Complaint narrative:
I have send the information to Experian to have them remove the late payment and they didnt do it and I did what told told me to do I sent them certified mail to where they can have it removed and was told by experian they would remove the late fee, my credit report and they didnt do it. 15us code 1666b for to remove late payments

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 2023-12-30 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I have disputed several inaccuracies with XXXX XXXX XXXX XXXX XXXX XXXX I request bank transactions and proof that I was late with this creditor. The creditor never sent proof that I was late. The creditor has took over 30 days to update my account and Perfom an investigation. The creditor is illegally reaged my date active from dates.XXXX XXXX is missing date last active and your company has failed to do the proper investigation because if so you wouldnt allowed all those late charge offs from the creditor and i would not have XXXX different dates of last active these are FCRA violations XXXX To whom it may concern i am writing to dispute the following information on my credit report : These items are currently showing inaccurately on my credit report filed with the credit bureaus. Pursuant to 5 U.S.C ss 552a ( i ) ( 3 ) Im requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timeliness, and completeness as is necessary to guarantee fairness in the determination shall not use such record. Please contact me at the email address below to let me know that you have corrected my credit report by removing the disputed items within. The next 30 days as stipulated by the FCRA. Thank you for your assistance with correcting this erroneous information on my credit report

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 2023-12-30 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: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I have disputed several inaccuracies with XXXX XXXX XXXX XXXX, lvnv XXXX. I request bank transactions and proof that I was late with this creditor. The creditor never sent proof that I was late. The creditor has took over 30 days to update my account and Perfom an investigation. The creditor is illegally reaged my date active from datesXXXX XXXX is missing date last active and your company has failed to do the proper investigation because if so you wouldnt allowed all those late charge offs from the creditor and i would not have XXXX different dates of last active these are FCRA violations . To whom it may concern i am writing to dispute the following information on my credit report : These items are currently showing inaccurately on my credit report filed with the credit bureaus. Pursuant to 5 U.S.C ss 552a ( i ) ( 3 ) Im requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timeliness, and completeness as is necessary to guarantee fairness in the determination shall not use such record. Please contact me at the email address below to let me know that you have corrected my credit report by removing the disputed items within. The next 30 days as stipulated by the FCRA. Thank you for your assistance with correcting this erroneous information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I had a credit card with XXXX XXXX XXXXXXXX over 7 years ago. XXXX and Equifax refuse to remove it though XXXX has already removed it from my credit report. I have attached the results of the XXXX dispute and they have correctly removed the entry from my credit report. I request for the same to be done in my XXXX and Equifax reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: VA

Complaint narrative:
My account was automatically changed ( without my applying or request ) from a income-driven repayment plan to a standard repayment plan. I am a XXXX XXXX making $ XXXX and being told I need to pay $ XXXX. I have had XXXX separate pending applications for over 3 months to revert back to an IDR plan that is affordable. Applications have not been processed. I have called and emailed multiple times to try and get clarity on what is happening and see if I can speak with someone who can help figure out what the delay is. I'm met with a customer service agent reading a script telling me " it can take up to 60 days to process '' despite it now being over XXXX months. No one can help me, no one seems to know who to talk to to figure out how to solve the issue, and instead I am left with a bill I can not pay despite never requesting the payment type change. I truly am exhausted not knowing how else to advocate for myself and what additional routes can be taken. This is not a unique story to me, unfortunately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: UPGRADE, INC.
State: CA

Complaint narrative:
On XX/XX/ i applied for a credit card with Upgrade and was denied. My understanding is that i cant be denied credit if 1. i qualify for it for which i the implied surety for the principal debtor does for my estate is backed by the full faith and credit of the United States and 2. its a violation to promote/advertise after denial for a loan with less favorable terms.

I sent a credit adverse notice expressing trust and equitable subrogation which was sent and received through certified mail which was received on XXXX XXXX XXXX 
I then received an email saying sorry they couldn't be of any assistance and invited me to try Upgrades Credit XXXX which i can only assume is to sell or have more access to my data which is considered an asset. I never received notice as to the legal reasons i was denied, they are operating under the assumption that credit reporting agencies have accurate information and was obtained legally and through good faith which is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

Company response to consumer: Closed with non-monetary relief