vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On or about XX/XX/2022 and other varies dates I have reached out to NAVY FEDERAL CREDIT UNION, Requesting copies of the documents that they are using to validate the following accounts navy federal account no : XXXX reporting on XXXX XXXX and XXXX and XXXX reporting on XXXX .... I have explained to them several times that the accounts were used Fraudulently, and that I was incarcerated when all these transactions took place, I have furnished them with documents from the UNITED STATES DEPARTMENT OF JUSTICE that proves I was incarcerated at the time these transactions took place. I also furnished them with a XXXX XXXX police report and an identity thief report. I reached out to the Credit Bureaus XXXX, and XXXX, and they explained to me that Navy federal furnished them with documents validating these accounts, and that they could not provide me with them that I would have to request them from the creditor Navy federal credit union. I HAVE REACHED OUT SEVERAL TIME REQUESTING THESE DOCUMENTS. I have not received any documents validating this account. According to the law Pursuant to federal law 12 CFR 1006.34 a debt collector is required to provide a consumer who owes or allegedly owes a debt five categories of validation information.1 ) Debt collector communication disclosure 12CFR S 100.634 ( C ) ( 1 ) ; 2 ) Debt related information 12 CFS 1006.34 ( 2 ) ( i ) - ( v ) 34 ( c ) ( 2 ) ( ix ) ; 3 ) Itemization related information 12 CFR S1006.34 ( 2 ) 9vi ) ( viii ) ; 4 ) Consumer response information ( 12CFRS 1006.34 ( C ) ( 4 ).

5 ) A copy of the originial contract with my signature for this debt.

I am simply requesting that NAVY FEDERAL abide by the law and furnish me with the documents that they used to validate 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 2022-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
My Mom, XXXX XXXX, and I, XXXX XXXX, had a mortgage loan for a condo, which was initially with XXXX, XXXX XXXX XXXX XXXX  XXXX which we signed jointly with rights of survivorship in XX/XX/XXXX. 
The loan was later taken over by WELLS FARGO Bank and when it transferred, the bank made an error and left my name off the file. In XXXX, I went into the local branch of the Bank and spoke to one of the Bankers about my name not showing up on the account and requesting it to be corrected. She promised to look into it and I never heard back. 
My Mom passed away on XXXX XXXX, and the Bank was sent a death certificate along with all of her other lenders/creditors, by her estate attorneys, at the time. All along, I made the payments, always on time for XXXX yrs. 
In XXXX of XXXX, I opted to sell the property which, the lawyers had transferred into my name only. The closing attorney who handled the sale made the payoff. A few weeks later I received a check from WELLS FARGO for {$1000.00} from final escrow. It was made payable to my Mom only. I also received from them, a lien release form which has mine and my Mother 's names so I know the Bank had the correct information all along. I went to the branch again and explained that I need the check to be re-cut in my name. I spent time with XXXX XXXX at the XXXX, CT branch and he tried to send everything to the mortgage area, with no success. The responses I got from them made absolutely zero sense. They sent one letter stating that they were sorry to hear about the passing of XXXX, which they had been advised about in XXXX, XXXX yrs prior, and the next day, they sent a letter to XXXX stating that there had been an inquiry into the mortgage which was already paid off. Then, I got a phone message from someone named XXXX saying she was looking into the request I had made for an increase (? ) Because things became so confusing with these folks, I had asked to be contacted only by email and did not receive one email from them. I don't believe that they're serious and I need help in resolving this matter. It's bad enough that due to their error, I did not benefit for my credit history, for making the payments for XXXX yrs on time, but now I am treated like I don't exist. No one at the branch has reached out to me to help correct this matter and I am owed {$1000.00}.

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 explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
i took out a XXXX  Diaster loan during the pandamic and the bank said that they were advised that there was an issue with fraud when the funds were given. 

I was advised by Captial one that they were closing the account that the money was transfered into and that they were closing the account and sending the money back the the XXXX  but i have spoken with them and as of today the funds have not been received by them and i do not know where the money is i do not want the money back i just want to get the money to the approitate people because i am responsible for paying back this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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 2022-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. Transunion, XXXX, and XXXX are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX XXXX Bankruptcy and accounts. 
My credit report is still reporting XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, and Inquiries that are not mine. 
Please see attached FTC Identity Theft Report. 
This has caused me tremendous XXXX XXXX, and financial hardship.

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 2022-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. XXXX, XXXX, and Experian are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX XXXX Bankruptcy and accounts. 
My credit report is still reporting XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, and Inquiries that are not mine. 
Please see attached FTC Identity Theft Report. 
This has caused me tremendous anxiety, stress, and financial hardship.

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 2022-09-11 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXXXXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX have violated my rights. According to : 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company 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 2022-09-11 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX have violated my rights. According to : 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company 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 2022-09-11 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
I have become an new member of a credit membership and have come to find I have unauthorized inquiry on my consumer report. I've contacted the credit bureau to dispute these inquiries immediately i was told to file a ( CFPB ) report and retrieve a cover letter. these actions were taking on XX/XX/XXXX. 
XXXX XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I first disputed inaccurate inquiries with equifax and they came back verified. I then sent a method of verification request exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). According to federal law they must provide a response within 15 days of receiving that letter. Well I have proof via USPS CERTIFIED MAIL that equifax received my letter on XX/XX/2022 and here is the tracking number XXXX Till this day XX/XX/2022 i have not received any form of communication with the credit reporting agency equifax thus they took longer than 15days which in fact is a VIOLATION OF FCRA. I demand they remove the inaccurate unverifiable inquiries by these lenders XXXX XXXX XXXX XXXX XXXX XXXX XXXX if not i will gladly enforce litigation and take equifax to small claims court in XXXX XXXX MN for playing with my privacy and credit report and for violating federal law. I will request {$1000.00} per inaccurate unverifiable items and i am 100 % certain i can prove to a judge these items are inaccurate and equifax has violated law. IF Equifax does not respond appropriately to the CFPB complaint and correct the errors on my credit report within 14 days A lawsuit against equifax WILL be FILED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On my credit report, XXXX XXXX XXXX Bank is showing a credit card account late 270 days in a 3-month span. How is that possible when there are only 90-days in 3 months? 
It is ridiculous and hurting my credit score. 

Also, it's a violation of my rights for XXXX, Transunion, and XXXX to report late payments to my credit report without first contacting me, and second getting my permission to do so.

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 2022-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On my credit report, XXXX XXXX XXXX Bank is showing a credit card account late 270 days in a 3-month span. How is that possible when there are only 90-days in 3 months? 
It is ridiculous and hurting my credit score. 

Also, it's a violation of my rights for Equifax, XXXX, and XXXX to report late payments to my credit report without first contacting me, and second getting my permission to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Credit reporting, credit repair services, 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:
On my credit report, XXXX XXXX XXXX Bank is showing a credit card account late 270 days in a 3-month span. How is that possible when there are only 90-days in 3 months?

It is ridiculous and hurting my credit score. 

Also, it's a violation of my rights for XXXX, XXXX, and Experian to report late payments to my credit report without first contacting me, and second getting my permission to do so.

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 2022-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Good day, I XXXX XXXX, have come to the conclusion regarding my three consumer credit reports have been compromised in terms of my identity. Across XXXX, Experian XXXX XXXX there is fraudulent inquiries posted that I have attached in an attached documentation along with an auto loan that is tied to my name and an address that I have no association with. This has caused me great emotional, financial, and mental distress as this is inaccurate and in factual as I was XXXX XXXXXXXX so it is impossible for me to have taken out a loan for an auto loan. Upon my investigation and research it appears to be I was added to this account I am not the primary holder which explains that the thieves who compromised my identity used me in order to acquire this auto loan. To my understanding I did not offer consent to use my credit in the attached documentation for this auto loan or apply for any applications of credit for the attached inquiries. The Credit Bureaus have neglected to look into this matter so I am reaching out to the CFPB to get these fraudulent matters removed from my credit report as to not cause me any more harm and distress as I have already been through enough.

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 2022-09-11 00:00:00
Product: Credit reporting, credit repair services, 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: CT

Complaint narrative:
EXPERIAN has failed their GRAVE DUTIES under Tittle 15 USC 1681. Experian is in federal violation under 15 USC 1681b they DO NOT have my written consent to furnish a report on behalf of the original creditor. Under the Gram Leach Bliley Act EXPERIAN IS A FINANCIAL INSTITUION and under 15 USC 6802 and 6821 I have the right to privacy and having my nonpublic information not reported and opted out. EXPERIAN has not been respectful to my right of opting out and privacy and have not exercised their GRAVE DUTIES under congressional findings and removed the demanded information from my report. EXPERIAN is in FEDERAL VIOLATION and is liable for damages under 15 USC 1681n 15 USC 1611 15 USC 1644 for fraudulent unauthorized use of my credit report and credit card.

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 2022-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX and Experian are reporting the collection account XXXX on my consumer report. I have disputed this account directly with the collection action. I do not owe any such debt and I am refusing to pay this alleged debt and wish to have the CRA 's cease and desist any further reporting of this account. I am disputing this account based on accuracy and request Experian and XXXX to investigate this account for maximum accuracy and completeness. Please see the attached documentation directly from the collection agency and delete this account immediately from my 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 non-monetary relief
Consumer complaint received 2022-09-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
My family was approved for the HAF Florida Department of Economic Opportunity Mortgage Assistance on XX/XX/2022. I was informed that the check was mailed to the mortgage company the same day. To date, these finds have not been applied to my mortgage. I am an educator and did not get paid over the summer, so the assistance is much needed for my family to make ends meet, especially since COVID has greatly impacted our income. Please help me ensure that our assistance funds are not being held on someones desk, while were struggling to make ends meet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian failed to remove fraudulent items from 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 non-monetary relief
Consumer complaint received 2022-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: TN

Complaint narrative:
I own XXXX XXXX XXXX XXXX, We opened an account with Pinnacle Financial Partners in XXXX XXXX, TN on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX at the XXXX XXXX XXXX emailed me stating the account is being closed. She stated it would be closed on XX/XX/XXXX and debit cards shut down on XX/XX/XXXX, she stated the reason was an unclear XXXX XXXX report. 

My corporate attorney verified my XXXX report is not frozen and also verified with XXXX legal team that Pinnacle Financial Partners was sent my report numerous times and no freeze code was sent. Later that day on XX/XX/XXXX, XXXX had blocked access to the account completely ( online, phone, debit cards ) and told me to pickup a check, when I went to the bank police were waiting as an intimidating tactic. The check received was thousands less than what was in the account. 

I have emailed XXXX and my lawyer has too several times and she does not respond.

Company response to consumer: Closed with explanation