vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-11 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: NC

Complaint narrative:
I have been disputing these accounts with XXXX for months and they sll came back verified bur refuse to send me how they verified the accounts when the other credit bureaus are not reporting the accounts. 
They have alwo ignored the fact that I am a victim of identity theft. I sent them my police report, ID, a copy of my FTC report and proof of address and they totally ignored it all.

According to FCRA 15 U. S. C 1681 ( 4 ) 1681 stated that Accuracy and fairness of credit reporting. 15 U. S. C 1681s-2 states that CRA knows the information is inaccurate and still reporting it on a consumer credit report.

According to FCRA 15 U. S. C 605B ( they refuse to block my information even after I provide proof of the identity, identity theft report, information stating that the information is not related to me.

All 3 credit bureaus a reporting different information and they all should be getting their information from the same source. 
Example dates are inaccurate for all 3 bureaus, amounts and payments are inaccurate. I also provided them with all 3 bureaus reports. They did not do any investigation on these accounts. 
XXXX did not put on the account that it is in dispute which is also a violation. 

Accounts in question : Comenity bank has been on my report for over 7 years even though i disputed it for years that it was due to Identity theft they company ignored that is another violation qnd they are the only bureau that is reporting it. 

XXXXXXXX XXXX XXXX is not my account and XXXX is the only bureau that is reporting this inaccurate information XXXX XXXX  card is not my account that is caused by identity theft. They also refuse to send me proof as to how the accounts came back verified they know that they didn't investigate the accounts. 
I am fully aware that these accounts were not investigated! 
According FCRA these are all violations! I will also be compensated for all the violations!

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 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Over the years, Navy Federal has taken a conspicuous amount of overdraft fees from my account. In one event charging the {$29.00} fee every couple of days until the account was restored to a positive balance. I have lot XXXX  of dollars due to this overdraft fee, when the money was in fact in my account and Navy Federal has waited days to take it out or make it available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-11 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: RI

Complaint narrative:
XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Consumer Affairs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX XXXX, XXXX XXXX XXXX is a non-profit 501 ( c ) 3 that has been serving the community for 130 years and is currently operating as a combined family service, community action program, and behavioral health organization serving up to XXXX individuals across the lifespan. As of XX/XX/XXXX, XXXX launched as a Certified Community Behavioral Health Center ( CCBHC ), Our mission is to support individuals and families of all cultural backgrounds in their efforts to meet economic, social and emotional challenges and enhance their well-being. 
XXXX XXXX ( XXXX XX/XX/XXXX ) is currently served in our XXXX XXXX XXXX program, in which he was enrolled on XX/XX/XXXX. He had a prior enrollment XX/XX/XXXX XX/XX/XXXX. XXXX XXXX is being treated for trauma associated with a history of abuse, including being victimized through XXXX XXXX. 
On behalf of XXXX XXXX, I am requesting that XXXX-related information from his credit report be blocked immediately. This includes all entries associated with the following entities : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX. 
Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX electronic signature XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI 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 2024-11-11 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: Mammoth Tech, Inc.
State: RI

Complaint narrative:
XXXX XXXX XXXX XXXX, RI XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Affairs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX XXXX, XXXX XXXX XXXX is a non-profit 501 ( c ) 3 that has been serving the community for 130 years and is currently operating as a combined family service, community action program, and behavioral health organization serving up to XXXX individuals across the lifespan. As of XX/XX/XXXX, XXXX launched as a Certified Community Behavioral Health Center ( CCBHC ), Our mission is to support individuals and families of all cultural backgrounds in their efforts to meet economic, social and emotional challenges and enhance their well-being. 
XXXX XXXX ( XXXX XX/XX/XXXX ) is currently served in our XXXX XXXX XXXX program, in which he was enrolled on XX/XX/XXXX. He had a prior enrollment XX/XX/XXXX XX/XX/XXXX. XXXX XXXX is being treated for trauma associated with a history of abuse, including being victimized through XXXX XXXX. 
On behalf of XXXX XXXX, I am requesting that trafficking-related information from his credit report be blocked immediately. This includes all entries associated with the following entities : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX. 
Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX electronic signature XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX { XXXX ) XXXX

Company response to consumer: Untimely response
Consumer complaint received 2024-11-11 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: AZ

Complaint narrative:
Upon checking my credit report, I have discovered a few fraudulent accounts, the accounts are XXXX XXXX XXXX with the account number XXXX opened on XX/XX/XXXX, XXXX XXXX  with the account number XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX XXXX with the account number XXXX opened on XX/XX/XXXX, XXXX  with the account number XXXX opened on XX/XX/XXXX and fraudulent addresses, XXXX XXXX XXXX XXXX, XXXX, OR XXXX | XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AZ 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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy federal closed my checking account without any knowledge due to being charged overdraft fees. My debit card was deactivated as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
I have been a good customer of PayPal/ PayPal Credit for over a decade, and rarely had issues with sellers but when I did PayPal was able to resolve the issues quickly. I only used PayPal to add a layer of protection to my purchases. So I was surprised that my claim for a purchase was denied twice. 

I purchased a black pearl necklace from a seller on XXXX. When it arrived it looked more green  than black, so I messaged the seller who agreed to refund me and sent a return label. After a week had gone by and tracking showed it was delivered, and the seller stopped responding, I submitted a dispute and escalated to a claim with PayPal. I provided screenshots of the seller agreeing to refund, but PayPal denied the claim because " PayPal Purchase Protection only covers goods or services that werent delivered or are not as described ''. The pearl was GREEN not black, so it was not as described. 

I called PayPal and the agent had me upload more screenshots of the tracking info to show it was confirmed delivered, and she was confident that it would win the case. I called back after a week and apparently those screenshots were never linked to my case! So they had been sitting for days with no review. The agent assured me she would upload the screenshots again. I asked her to send me an email confirming this was done, she said she would but I received nothing. Today I got a message from PayPal again denying my claim because " PayPal Purchase Protection only covers goods or services that werent delivered or are not as described. '' The item was returned and I provided proof, yet that is not enough. PayPal has gone downhill and is not a trustworthy method to buy online anymore.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of Identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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 2024-11-11 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: FL

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: CT

Complaint narrative:
XXXX  XXXX XXXX. The company obtain and used my information without my consent, ther is a hard inquiry and a credit limit of {$700.00} reporting on my TransUnion report from XXXXXXXX XXXX XXXX with account number ending XXXX. I never applied for a credit card from XXXX and I never used a card from XXXX. therefore I ask that the account and the hard inquiry remove.

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 2024-11-11 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: FL

Complaint narrative:
I would like to report fraud of the following open accounts attached below.

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 2024-11-11 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: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
XXXX present Ive been getting charged overdraft fees while I had active Over Draft Protection Service ( OOPS ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX located at XXXX XXXX  and Santander consumer, for unlawful practices regarding the repossession of my vehicle, and for failing to provide me with the necessary Truth in Lending disclosures and a written contract, as required under both federal and state law. 

Background : On XX/XX/XXXX, I entered into an agreement with XXXX XXXX to purchase a vehicle. I made the required monthly payments for several months, as outlined to me by the dealership. However, despite my consistent payments, my vehicle was repossessed on XX/XX/XXXX. This action occurred after I had made my most recent payment to them, which was accepted without any issue on XX/XX/XXXX. 

Failure to Provide Truth in Lending Disclosure & Written Contract : At the time of the sale, XXXX XXXX did not provide me with the required Truth in Lending Disclosure as mandated by the Truth in Lending Act ( TILA ), nor did I receive a formal written contract outlining the terms of my loan. Instead, I was given a piece of paper indicating the monthly payment amount and no further documentation regarding the total cost of the loan, interest rates, or the repayment schedule. Under federal law, specifically the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), lenders are required to provide clear and accurate disclosures of the loans terms, including the APR, finance charges, and the total cost of credit. 

Additionally, under North Carolina state law ( North Carolina General Statutes 25-2 ), it is illegal for a dealership to engage in financing practices without providing the necessary written agreements and disclosures. By failing to give me a formal contract and not complying with the Truth in Lending requirements, XXXX XXXX has violated both federal and state laws. 

Illegal Repossession : Furthermore, repossessing my vehicle after accepting my monthly payment is unlawful. According to North Carolina General Statutes 25-9-609, a creditor must give proper notice and can not repossess a vehicle if the borrower is not in default. Since I was not in default at the time of the repossession and had made the necessary payments, the actions of XXXX XXXX were not only in violation of consumer protection laws but also in breach of our contractual agreement. 

Thank you for your attention to this matter. I look forward to your response and prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: NV

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
For CONTRACT CALLERS, INC XX/XX/year> I have no knowledge of and refuse to pay this debt that I AM NOT familiar with at all! I, XXXX XXXX XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX TRUST UCC 1-308 ALL RIGHT RESERVED WITHOUT PREJUDICE!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Media Collections, Inc
State: NJ

Complaint narrative:
I purchased a hot water heater from XXXX ( XXXX XXXX XXXX XXXX It was delivered damaged and the installers caused damage to the existing pan and to the walls around the heater. I raised a dispute with my credit card and with XXXX XXXX. XXXX XXXX sent it to their insurance company ( XXXX ) who requested photos and other information, all of which I provided. I never heard anything more. On XX/XX/XXXX, I received written notification from my bank that XXXX XXXX issued a credit. I considered the matter closed. On Friday, XX/XX/XXXX, I received a debt collection notice! I called them to verify it was legitimate. They said XXXX XXXX sent me to collection. I reached out to the XXXX  ( XXXX XXXX ) and to the collection agency and provided documentation from my bank with the credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I have an XXXX XXXX XXXX credit card account provided by Synchrony bank. I have noticed that my billing statements include charges for a card security program at a rate of {$1.00} per {$100.00} of account balance and that I have been billed for this each month going back to at least XX/XX/XXXX ( possibly further back as XXXX doesn't allow ume to see statements further into the past ). 

I did not ask to be enrolled in this program. However, as I did lose my income in XX/XX/XXXX, I called Synchrony XXXX differnet times to see about claiming an unemployment benefit under this program. The representative that I spoke to each time stated that this account is not enrolled in the card security program and never has been enrolled. At a minimum Synchrony bank has charged me {$1200.00} in erroneous fees ( likely much more ).

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 2024-11-11 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: PA

Complaint narrative:
Have called company 3 timesXXXX XXXX. XXXX is reporting account late on credit reports but payments were made before the 30 days. I have also contacted Experian and opened a dispute. Balance history on credit report is not showing recent payments. 

Contact info Phone number ( XXXX ) XXXX Address 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 2024-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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