vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC
State: RI

Complaint narrative:
National Credit Adjuster LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear National Credit Adjuster, I am writing to formally request the purchase agreement and validation of the alleged debt you claim I owe, as permitted under 15 U.S.C. 1692g. To ensure compliance with the Fair Debt Collection Practices Act ( FDCPA ), please provide the following information : 1. A copy of the purchase agreement that demonstrates your legal right to collect on this alleged debt.

2. Detailed documentation that validates the existence and amount of the alleged debt, including the name of the original creditor and account information.

Additionally, I want to raise my concerns regarding your communication tactics. I have received constant communication from your office that I consider harassing, which I believe constitutes a violation of 15 U.S.C. 1692d. This relentless communication has also invaded my privacy, infringing upon my rights as a consumer. Therefore, I request that you cease all communication with me regarding this alleged debt until the requested validation is provided.

If you fail to provide the requested documentation within 10 days, I request the immediate deletion of any records of this alleged debt from your files and that you cease any further collection efforts, as allowed under 15 U.S.C. 1692c.

Thank you for your prompt attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ; ( XX/XX/year> )

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 2024-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: OH

Complaint narrative:
Lexis Nexis is reporting inaccurate information on my credit report concerning a bankruptcy. The U.S. Bankruptcy Court does not report case information to credit reporting agencies per the attached letter from the Court.

Specifically, Lexis Nexis is reporting account numbers that are different. The credit reporting agencies have all indicated that the information was verified by Lexis Nexis, not the U.S. Bankruptcy Court. Lexis Nexis has indicated that it used information from PACER, not the Court. The information is different and inaccurate. Please see attached. 

The credit reporting agencies are using information that Lexis Nexis purchased from a disinterested third party that is unreliable, incomplete and inaccurate. 

Since it did not get the information from the Bankruptcy Court and the court doesnt report case information to Lexis Nexis, it has verified inaccurate information and the credit reporting agencies have used this information willfully and negligently. A violation of the statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

These accounts have violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement & terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of the notice. I LOOK FORWARD TO YOUR RESPONSE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Great Shoals XXXX XXXX, GA XXXX Office : XXXX Fax : ( XXXX XXXX XXXX XX/XX/XXXX TRUIST BANK RE : XXXX XXXX XXXX XXXX Debit Card Number Ending in XXXX Truist Account Number *XXXX XXXX  XXXX Dear Sir or Madam, I XXXX XXXX XXXX XXXX, the account owner of XXXX XXXX XXXX XXXX. This letter addresses the unlawful XXXX of funds from my account and the subsequent closure of my account by Truist Bank on or about XX/XX/XXXX. 



Your institution has unlawfully seized approximately {$18000.00} from my clients combined checking and savings accounts without a signed order from a Georgia judge. Additionally, this amount includes a XXXX check for {$18000.00}, made out to XXXX XXXX, who is also a signer on the account. 



The funds are essential for my familys daily needs, and the ongoing unlawful possession of these funds has caused them significant hardship. 



I would like to resolve this matter amicably and without the need for litigation. However, if this issue is not resolved within seventy-two ( 72 ) hours, we will have no choice but to pursue legal action, including filing a Petition for Temporary Restraining Order, seeking injunctive relief, and demanding a jury trial. My client will seek all available damages, including but not limited to theft by conversion, breach of contract, negligence, and associated costs of litigation. 



Please respond to this letter at your earliest convenience, ideally within the specified time frame, to avoid further escalation. 



Thank you for your immediate attention to this urgent matter. 



Sincerely,

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 2024-10-12 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
A XXXX charge that was cancel in the allotted to time to cancel. Have tried everything I know to do about this charge with USAA I summitted a dispute and cancellation on XX/XX/year> with USAA, also I tried to do a cancellation on XXXX A free cancellation window closed on XX/XX/year>. USAA are still holding the charge on my account and refuse to do anything about the charge. I forward the cancellation policy to them and still nothing!

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 2024-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Valon Technologies, Inc.
State: MD

Complaint narrative:
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2024 Despite Valon Mortgage stating that their internal investigation revealed " the payoff statements prepared by Valon Mortgage did include erroneous reconveyance and recording fees '' that were " removed '' and " updated, '' that a revised payoff statement was sent to me, and that Valon is `` working to update our systems to reflect the accurate fees, '' the payoff statement sent to me after this complaint was closed reflected the erroneous fees added back to the statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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: LA

Complaint narrative:
Transunion is reporting a Fraudulent account on my credit file. They REFUSE to provide any information as to how and why they are determining this account belongs to me! I have sent supporting documents numerous times proving this account is FRAUD! The account ( XXXXXXXX XXXX XXXX XXXX XXXX  ). Needs to be removed and or blocked ASAP! If Transunion continues to refuse and ignore my request, Then I will be forced to take LEGAL Action against TRANSUNION in order to have this issue resolved. Transunion is violating the FCRA by ignoring the required documents I continue to send in. PROVIDE ME WITH PROOF OF HOW THIS ACCOUNT IS SUPPOSEDNTLY MINE! I have once again provided a police report Aswell as ID Theft Affidavits and Proof of my ID.

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 2024-10-12 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: IL

Complaint narrative:
PLEASE REMOVE ALL ACCOUNTS. I AM A VICTIM OF XXXX XXXX  WHICH FALLS UNDER XXXX  ACCORDING TO XXXX-DEBT FINAL RULE XXXX ( B ) ( XXXX ) XXXX ( B ) ( XXXX ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PLEASE DELETE ALL THE FOLLOWING OVERLND BOND {$24000.00}, XXXX {$15000.00}, XXXX {$0.00}, XXXX {$0.00}, XXXX {$8900.00}, XXXX XXXX {$0.00}, XXXX XXXX, XXXX {$620.00}, XXXX XXXX {$570.00}, XXXX XXXX {$3100.00}

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 2024-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
Our car was totaled out, and the insurance and gap insurance companies issued the checks to Hyundai Motor Finance company. Our balance due on our account was {$0.00}, and we confirm this multiple times on a daily basis. We contacted Hyundai Motor Finance multiple times because we knew there was still remaining balance, and we didn't want the account to go delinquent. They informed us that we would have a due date posted on our account when a payment was due, and that we had no late payments that would happen. In XXXX we were informed that we needed to set up the balance to get paid off, and when they called us and informed us of that we immediately set up the payments to finish off the balance. Again, we were informed that there were no late payments on our account because there were no payments due. In the month of XXXX, our payment portal didn't even show a balance on our account, so it was literally impossible for us to even post a payment. They intentionally gave us incorrect information when we could have posted payment when they were on the phone with us in XXXX. Or XXXX. Instead, every time they were on the phone with us they informed us that there was no balance due, just like their website was telling us.

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 2024-10-12 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: Experian Information Solutions Inc.
State: CA

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 XXXX 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 explanation
Consumer complaint received 2024-10-12 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 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: NY

Complaint narrative:
I made my installment payment on my credits before Experian before the timeframe my most credit score is dated. I disputed 3 times with document and they do not want to fix the error in real time. 

XXXX and XXXX is not report all my lines of 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 explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CLGF Holdco 1, LLC
State: CT

Complaint narrative:
I received a destiny XXXX  in my maiden name that I havent used in XXXX  years along with an address that I havent used in XXXX years. I never requested this credit card. There was apparently already a balance of {$170.00} on this card. I called the credit card company phone number listed on the back of the card on XX/XX/year> and the person told me that they are starting an investigation on my report and that some documents will be sent to me to fill out, he mentioned something about an affidavit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 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: CITIBANK, N.A.
State: GA

Complaint narrative:
In XXXXXXXX XXXX XXXX XXXX, I became involved in an employment scam with a company out of XXXX XXXX called XXXX XXXX XXXX XXXX. As a result of this 'employment ', XXXX XXXX XXXX sent me Bank account information ( bank name, routing number, and account number ) and indicated that they had added me as a cosignee. I was directed to use the automated payment system for my personal credit cards ( XXXX, XXXX XXXX XXXXXXXX and Citibank ) and transfer money from the account to my credit cards. I was then directed to make specific purchases of an equivalent amount at a number of different retail locations, take the product to a XXXX XXXXXXXX store, where it was shipped to XXXX XXXX. After about XXXX XXXX of this type of activity, I told XXXX XXXX XXXX that I would no longer post any more payments to my credit card as they had nor fulfilled the terms of the employment agreement. Shortly thereafter, I began to receive chargebacks of every single transfer, the oldest of which was 60 days old. I immediately contacted my banks, as well as XXXX, in order to inform them of this fraud. I also called XXXX XXXX, as most of the transfers originated from them. I was eventually able to get in touch with a gentleman named XXXX in their fraud department, who told me that there were several accounts from the same account holder that had been closed due to identity theft, and that an external investigation had already been started. He would give me no further detail. The position that XXXX, Citi, and XXXX XXXX XXXXXXXX took was that I needed to work this out with XXXX, and that as far as they were concerned, I owed them the money. This has left my credit score in shambles, caused me extreme stress, and will likely force me into XXXX. I have kept every email, receipt, and letter involved in this matter and offered it to XXXX and they seemed disinterested.

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 2024-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received a letter in the mail on XX/XX/year>. The envelop did not have any logos or markings on it. The letter head return address is XXXX XXXX XXXX XXXX, OH XXXX. It includes my name and home address but no other identifying information such as account numbers. 

The letter reads : Action needed : please call us about your online account access Dear XXXX XXXX : We locked your online account access to protect you. You won't be able to see your statements and notices at this time. To unlock your access, please call us at XXXX ; we accept operate relay calls. To unlock your access for Chase XXXX, please contact your client service representative. If you already contacted us, please ignore this letter. Thank you for your time. Sincerely, Customer service. 

The footer reads " JP Morgan Chase Bank , N.A . Member FDIC '' My Chase account has been closed for <5 years so I know this letter is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax wont let creditors pull my credit report. I sent in documents to verify my identity and also I didnt put a freeze or fraud alert on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
They have posted credit to my account that was owed to me then they reverse the credit back. They have sold this car off. I asked them to fix the car, but they did not fix the car. I asked to replace the car and they did not want to replace the car either. I had to go get me a car from somewhere else. They took forever to even come and get the car. I have been calling them for a year and they were important that extra time on my credit. This has an effect on me because Im a XXXX XXXX XXXXr And they decreasing my score and Im trying to get a house for me and my child. I have other accounts with them that is in good standing, and I have paid them off and then they are constantly reporting it and knocking my score down the count is illegally been reported because you can not close an account And then still report a balance on there and also you can not use the same count as a Charge Off and still go back and constantly reported more than one time is still a constant report on my credit and every time they put that report on there, it affects me. They also was a recall on the XXXX and theyve been trying to get me to trade it in. They changed it for Charge Off to close to a balance to open to close and they just constantly report for no reason and then what they were reporting is not right how can you reverse something that Im clearly entitled to a touchdown to the bottom. They already got their money off of it, and they already found it on their taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  : # XXXX, XXXX : # XXXX, XXXX # XXXX, has violated my rights. 


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