vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Recently I checked my credit reported and noticed and saw accounts that I do not recognize. Under U.S.C 1681 section 602 A and U.S.C 1681 Section 604 A Section 2 I have a right to privacy and t also states a consumer reporting agency can not furnish a account without my written instructions. The creditors failure to reflect properly.

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 2024-02-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit Systems, a registered Collections Agency is attempting to collect on an alleged debt of {$4500.00}. The alleged debt originated from the property XXXX XXXX XXXX. This alleged debt is not owed because Texas Rent Relief satisfied any owed balance. In addition to Texas Rent Reliefs assistance, I was on a month to month with XXXX XXXX XXXX and not in any legally binding lease agreement with them, and the balance owed to them was paid down to a XXXX balance. A proper investigation with Texas Rent Relief will reveal that XXXX XXXX XXXX  received payment on my behalf to satisfy any past due balance owed at the time. 

So therefore not only is XXXX XXXX XXXX attempting to damage my credit profile due to monies they have already received from myself and Texas Rent Relief, National Credit Systems is reporting erroneous information on my credit profiles to the credit reporting agencies that is inaccurate. And according to 15 U.S. Code 1681s2, it is my right as a consumer to make sure that all the information listed on my credit profiles is being reported accurately. It explicitly states that 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. 

A person is defined as any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. and per 15 U.S. Code 1681s2, the only entity that can validate the accuracy is the consumer. So I the consumer am notifying National Credit Systems Inc, that the information they are reporting, is inaccurate and therefore should cease reporting this inaccurate information, and cease all collections activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX Bank XXXX XXXX, Capital One XXXX, Has violated my rights. 

1

5 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 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: TX

Complaint narrative:
In Accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protect consumer right to privacy and confidentiality under U.S.C 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 report agency can not furnish an account without my written instructions. 15 U.S.C 1687c. ( a ) ( 5 ) Section States : No Consumer report agency may make any consumer report of the following items of information. Any other report 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 reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 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:
In Accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protect consumer right to privacy and confidentiality under U.S.C 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 report agency can not furnish an account without my written instructions. 15 U.S.C 1687c. ( a ) ( 5 ) Section States : No Consumer report agency may make any consumer report of the following items of information. Any other report 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 reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
During the month of XXXX and XX/XX/2024, I shopped on XXXX and purchased several items from the same seller. Consequently he refunded several shipping fees to me that were charged with each individual transaction. He consolidated shipping so consequently refunded shipping fees. These refunds posted to my PayPal " Activity '' in XXXX and XX/XX/2024, beginning on XX/XX/XXXX to the present. Several of these refund bank transfers indicated " completed '' by Paypal, but these transfers were never made. I have contacted PayPal more than once about this. They said they would investigate and get back to me soon. That has not occurred. I am a XXXX XXXX XXXX XXXX  living on social security. Consequently, I need these funds refunded immediately. My complaint falls under bank transfer refunds never made by PayPal to my XXXX checking account XXXX XXXX credit card on file with Paypal. PayPal has all of the referenced XXXX and XX/XX/2024 transaction id numbers, dates and amounts. I have provided PayPal with all of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: FC HoldCo LLC
State: IL

Complaint narrative:
i have requested my adress to be updated, XXXX  keep reporting wrong adress and keep lying stating the companies are giving that adress the companies are denying as well stating they are not i have sent my correct adress to XXXX, i have contacted creditor but XXXX  still has not changed my adress even though all the other bureaus have done so, need my adress changed and copy of letter stating my adress was updated

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 2024-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I wanted to send a XXXX payment to a contractor. When I tried to do this, I got an error code saying my XXXX account was locked due to " code error. '' I called Capital One because my XXXX had this error. Capital one told me to call XXXX and gave me XXXX 's phone number. 

I then called XXXX who said Capital One was incorrect - I should speak with Capital One who can help me. 

I then again called Capital One. The agent on the phone asked me XXXX different verification questions and gave me random/irrelevant details ( my credit card was unlocked even though XXXX is bank to bank ). Worst of all, the agent was very rude on the phone, told me I had to wait 24 hours without any additional detail on why my account was showing a problem, and then hung up on me. 

This was annoying/frustrating and I had to ask a friend to XXXX on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have made repeated attempts, on three separate occasions, to notify XXXX XXXX that I am an authorized user on a credit card account that was fraudulently opened in my name. Despite my efforts, XXXX XXXX has insisted that only the primary account holder can remove me from the account. 

I want to emphasize that I have never utilized nor even seen this credit card, it is imperative that action be taken promptly to rectify this situation, as it is unjust for me to bear the consequences of someone else 's fraudulent actions. 

I kindly request your assistance in addressing this matter with XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-02-25 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: VA

Complaint narrative:
I have made repeated attempts, on three separate occasions, to notify XXXX XXXX that I am an authorized user on a credit card account that was fraudulently opened in my name. Despite my efforts, XXXX XXXX has insisted that only the primary account holder can remove me from the account. 

I want to emphasize that I have never utilized nor even seen this credit card, it is imperative that action be taken promptly to rectify this situation, as it is unjust for me to bear the consequences of someone else 's fraudulent actions. 

I kindly request your assistance in addressing this matter with XXXX XXXX as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 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: VA

Complaint narrative:
I have made repeated attempts, on three separate occasions, to notify XXXX XXXX that I am an authorized user on a credit card account that was fraudulently opened in my name. Despite my efforts, XXXX XXXX has insisted that only the primary account holder can remove me from the account. 

I want to emphasize that I have never utilized nor even seen this credit card, it is imperative that action be taken promptly to rectify this situation, as it is unjust for me to bear the consequences of someone else 's fraudulent actions. 

I kindly request your assistance in addressing this matter with XXXX XXXX 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 2024-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
The second week of XX/XX/year>, I received a 1099c from Wells Fargo Home Mortgage. The following week, I received a letter from their attorney attempting to collect a debt and threatening to sale the property.

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 2024-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
This, Item was discharged and the Credit Bureaus do not properly verify the information according to 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A and 12 CFR 1006.34 ( b ) ( 5 ) All so they have continued unlawful practices after The CFPB Ordered they to pay a XXXX XXXX lawsuit 'See Here XXXX XXXX XXXX //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-navy-federal-credit-unionXXXX XXXXXXXX Misrepresented credit consequences of falling behind on a loan Illegally froze members access to their 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 2024-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
I have overpaid on my loans by hundreds of dollars a month for a couple of years now, attempting to pay it off quickly. Suddenly in XXXX, my AidVantage statement said I was past due. It charged me for two minimum payments in XXXX. In no way was I past due, in fact, again, I overpay each month. I wrote several times and called once ( XX/XX/XXXX ) and hear that my account is in good standing and they don't know what happened. There was supposed to be an investigation and they would reach out. They didn't. They were supposed to fix the billings dates ( which I believe caused the issue ) but they haven't so far. They were supposed to reach out about that. But they didn't. Now I'm getting mail from the US Department of Education about my missed payment. This has to stop but I feel like I can't get traction. I fear this mistake will affect my credit record and my standing with the Department of Education, particularly if there ever is a forgiveness for accounts NOT past due. This needs to be corrected once and for all and cleared from my record. I want to ensure that the Department of Education is notified of the mistake and the credit bureaus are as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: PA

Complaint narrative:
XX/XX/XXXX recieved card for bank account I did open when I reached out they said they were going to looking into fraud. Heard nothing back and in XX/XX/XXXX still nothing when I reached out again they were no help. The account was opened in my maiden name that I have not used since XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK
State: IL

Complaint narrative:
I have requested my adress to be updated, XXXX keep reporting wrong adress and keep lying stating the companies are giving that adress the companies are denying as well stating they are not i have sent my correct adress to XXXX i have contacted creditor but XXXX still has not changed my adress even though all the other bureaus have done so, need my adress changed and copy of letter stating my adress was updated

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ny XXXX XXXX [ Experian General Counsel [ Experian XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Subject : Notice and Demand Regarding FCRA Violations Dear [ Experian General Counsel I am writing to bring to your attention serious concerns regarding inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ) within my credit report held by Experian. Despite my previous dispute attempts, the issues persist, indicating a failure to comply with the FCRA. 

I have identified the following discrepancies on my credit report : XXXX XXXX XXXX XXXX Reporting inaccurate report dates The latest on this report show as 30,60,120,150,180,180 This is clearly incorrect reporting and a clear violation of the fcra, These inaccuracies have negatively impacted my creditworthiness, and I believe they are a direct violation of my rights under the FCRA. I have made reasonable efforts to resolve this matter through the regular dispute process, yet the issues persist. 

As the General Counsel, I am addressing this matter directly with you to request an immediate and thorough investigation into the reported inaccuracies. I demand that Experian remove this tradeline from my credit report swiftly, provide me with a corrected credit report, and notify all relevant parties who have accessed my credit information in the past six months of the corrections made. 

Failure to address and rectify these issues within [ reasonable timeframe, e.g., 30 days ] will leave me with no alternative but to pursue legal action to enforce my rights under the FCRA. I trust that Experian takes this matter seriously and will act promptly to remedy these violations. 

I anticipate your prompt attention to this matter and look forward to a swift resolution. Please feel free to contact me at [ XXXX or XXXX if you require any additional information. 

Sincerely, 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 2024-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Previous complaint made about this issue, $ XXXX transaction was made and was unauthorised, they investigated another transaction, and not the large amount that was unauthorised. Time frame for determination has been exceeded, I'm requesting sanctions and a refund for the charges. 
ORIGINAL COMPLAINT : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

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 2024-02-25 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: FL

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
Payments were made on time. Payment made to the principal that the company did not accept as a real payment and then payment went into 30 day late status even though the payment had been made. Company refuses to acknowledge this as a payment because it was made under the apply to principal option.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I demand the credit bureaus promptly delete the late dates associated with the disputed items as their failure to verify inaccurate reporting is a blatant violation of the FCRA. Despite multiple attempts, the furnisher of information has neglected to provide any proof or response, further violating the FCRA. The credit bureaus must comply immediately to rectify this situation, or legal action will be pursued for their non-compliance with FCRA provisions. XXXX XXXX and XXXX XXXX XXXXXXXX.

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