vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I have deposited checks into my bank account and I was not credited the funds. And it caused me extreme hardship and suffering. The suffering I experienced was eviction and didnt eat for a week which is very painful and hard to handle, but navy federal is wrong. I requested the original checks to be returned to me which they didnt return rather instructed me to contact the company and request issuance of a new check. Navy federal also sent me whats called substitute checks back and only after close to a month did I receive them, however with those checks, I cant even cash them anywhere as I called several institutions that informed me that they dont accept them and even the check cashing places informed me of the same

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
ar Sr : I received a debt collection letter from you. Do you have the right person? Can you supplyme with a contract or agreement signed with your company or the Creditor.PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITORVERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TOCOLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THATYOU CLAIM IS OWED.ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROMTHE ORIGINAL CREDITOR TO THE CURRENT CREDITORPLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BYTHE ORIGINAL CREDITORPLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINALCREDITOR TO THE SECURED TRUST AND THEN BACK TO THEORIGINAL CREDITORPLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOUHAVE VALIDATED THE DEBT.Please do not look at my credit report or report anything to my credit I dispute I owe thisdebt amount to you and that dispute should be stated on my credit report if you have reportedthis debt.PERMISSABLE PURPOSEPlease State why you have a permissible purpose to contact my credit. I disputethis. IF YOU PASS THIS ON TO ANOTHER COLLECTORI dispute I owe this debt to you. If you pass this on to another debt collector, please providethem notice of my dispute to owing this debt. Thank youfor your immediate cooperation.the __ _________________

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 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.

Complaint narrative:
I wrote to all 3 credit reporting agencies and only one answered and stated that because I am in XXXX - XXXX in XXXX said they can't help me yet XXXX stated this is a credit issue, not with XXXX but USA- I believe someone is using my identity and buying products and services and even taxes ( IRS ) has sent notifications to my mom 's house?! Threatening legal action. I was XXXX XXXX XXXX XXXX XXXX CALIFORNIA and I am a US XXXXXXXX XXXX.. please help me out.. I only discovered this after I requested a credit report and have finally looked into my FOIA and saw many indescrepencies -- I was like - this isn't me!?

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 2024-12-07 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.
State: AL

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 seven 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 non-monetary relief
Consumer complaint received 2024-12-07 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: AL

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 seven 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: CA

Complaint narrative:
Complaint regarding XXXX XXXX XXXX XXXX Name : XXXX XXXX -- -- XXXX REFUSED to credit me with XXXX reward miles on XXXX, as had clearly been stated and promised in their promotion for getting a new Visa card. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- - ALL MY CONVERSATIONS WITH CHASE HAVE BEEN RECORDED BY CHASE AND BY ME. 

*Opened the new card in XX/XX/XXXX, based on the promotion - '' get XXXX miles on XXXX XXXX after charging {$3000.00} in the first 3 months '' *Used the card immediately and charged {$4700.00} in the first 2 months, and paid it in full *Called Chase on XXXX. XXXX, XXXX at XXXX XXXX, and canceled the card. The agent ( named XXXX XXXX confirmed cancellation and assured me that " YOU KEEP THE EARNED XXXX XXXX MILES ''. 
* Called again on XX/XX/XXXX at XXXX XXXX  -the agent reconfirmed " you earned the XXXX miles, just wait for it to show on your reward statement '' * Called again on XXXX the same : " wait, not posted yet '' * On XX/XX/XXXX I talked to XXXX ( XXXX XXXX XXXX ) - now he tells me that " ... you did NOT earn the XXXX miles since the required charge should be {$5000.00} in the first 3 months '' * This is definitely a lie- the required amount, as promised should be {$3000.00} -- -- -- -- -- - Since all those calls have been recorded, it is easy to verify that XXXX is misleading and must post the XXXX miles in my XXXX plan and apologize for trying to cheat me out of the earned miles.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: MN

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, these accounts and inquiries were made without my knowledge or consent. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), you are required to block and remove any information resulting from identity theft upon request. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: LA

Complaint narrative:
XXXX XXXX had my account from XXXX XXXX. I received a email and called the number and it was about shopping and I could not get the representative to answer any question about the debt. Now Halsted Financial Service has the account and sends me emails almost everyday to try and collect, no written communication or phone call. It is bad business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: BMW Financial Services NA, LLC
State: MD

Complaint narrative:
Upon reviewing my consumer reports, I discovered multiple late payment entries associated with my account that were inaccurately reported. As you are aware, Consumer Reporting Agencies bear a significant responsibility to ensure that all consumer information is reported with maximum accuracy. It is essential that the information reflected on my credit profile is both accurate and truthful. 

Specifically, I have never been late with any payments for my BMW Financial account ( Account # XXXX ). I respectfully request a thorough investigation into these erroneous late payment entries and demand that you provide verifiable proof, including statements, that demonstrate these payments were indeed late. To assist in this process, I can provide supporting documentation, including bank statements, payment notifications, timestamps from the BMW payment app, and screenshots. 

Additionally, it is important to note that there have been substantial testimonies and reviews from numerous BMW customers who have experienced similar issues regarding premature reporting of late payments. These reports indicate a pattern of errors where late payment flags are applied prematurely, negatively impacting credit scores. This further highlights the possibility of an internal issue with BMW Financials reporting practices, which needs immediate investigation. 

If sufficient proof can not be provided to substantiate these late payments, I demand the immediate removal of the derogatory marks and request that the account status be corrected to reflect " on time, never late, '' as this accurately represents the history of my payments. 

I have previously submitted multiple requests to the credit bureaus to address this issue, but to no avail. I am now seeking your assistance to rectify this error and ensure that my credit profile accurately reflects my payment history. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
In XX/XX/year> i received a letter stating the obligation was met and i did not owe any moneys left on the car. This account was later placed on my credit report as a charge off and ive been trying to get this removed ever since

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Johnson Mark LLC
State: AZ

Complaint narrative:
Johnson Mark LLC on behalf of XXXX XXXX XXXX XXXX has filed a court civil suit against me on a debt that has not been validated. I am submitting this complaint against Johnson Mark LLC on behalf of XXXX XXXX XXXX XXXX for their attempt to collect a debt they are not legally authorized to collect. Their actions are in violation of federal laws, including the Fair Debt Collection Practices Act ( FDCPA ) and applicable Credit Reporting ( CR ) rules outlined under the Fair Credit Reporting Act ( FCRA ). Details of the Complaint : 1.Failure to Validate the Debt : This debt is required to be validated under the FDCPA ( 15 U.S.C.1692g ). the company has failed to provide proper validation, including proof that the debt is valid, that they own the debt or have the right to collect it, and a full accounting of the amount owed. 2. Debt Not Collectible Under CR Rules : Under federal law, debts sold to collection agencies may not be collectible unless the agency can legally demonstrate ownership and compliance with CR rules. Specifically : Credit Reporting Rules ( FCRA ) : Debts sold to collection agencies must include complete and accurate information about the debt, including its origin, the amount, and whether the statute of limitations has expired. Agencies must also notify credit bureaus if a debt is disputed. Debt Ownership : If the original creditor sold the debt, the collector must provide a clear chain of title proving their legal right to collect the debt. Johnson Mark LLC on behalf of XXXX XXXX XXXX XXXX has not provided this. 3. Violation of My Rights : The debt in question appears to be unverified, unenforceable, and under applicable state law Attempting to collect this debt without validation is a violation of my consumer rights under the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: MI

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXX XXXX I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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
Consumer complaint received 2024-12-07 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: AL

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 seven 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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: OH

Complaint narrative:
Hello, i have recently challenged the errors on my credit report, and notice there were multiple accounts that were not corrected. These accounts were UPDATED and VERIFIED, but they still reflect false information on my credit file. I sent a letter to the credit bureau explaining the illegal errors and inaccuracies being reported. I requested they delete the inaccurate accounts or provide Verification, but I have not received any proper verification in a timely manner. I understand this is a direct violation of my rights via 15 USC 1681i ( a ) ( 1 ) ( A ). I request for the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation. 

XXXX ) XXXX XXXX XXXX Account Number : XXXX  XXXX ) XXXX XXXX XXXX XXXX Account Number : XXXX XXXX ) XXXX XXXX XXXX BANK Account XXXX XXXX ) XXXX Account XXXX Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Please help assist me with the Credit Bureaus direct violation of my rights. The incorrect information is causing financial distress for me and my family and its unfair. Thank You

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 2024-12-07 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: OH

Complaint narrative:
Hello, i have recently challenged the errors on my credit report, and notice there were multiple accounts that were not corrected. These accounts were UPDATED and VERIFIED, but they still reflect false information on my credit file. I sent a letter to the credit bureau explaining the illegal errors and inaccuracies being reported. I requested they delete the inaccurate accounts or provide Verification, but I have not received any proper verification in a timely manner. I understand this is a direct violation of my rights via 15 USC 1681i ( a ) ( 1 ) ( A ). I request for the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation. 

XXXX ) XXXX XXXX XXXX Account Number : XXXX  XXXX ) XXXX XXXX XXXX XXXX Account Number : XXXX XXXX ) XXXX XXXX XXXX XXXX  Account XXXX XXXX ) XXXX Account XXXX Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Please help assist me with the Credit Bureaus direct violation of my rights. The incorrect information is causing financial distress for me and my family and its unfair. Thank You

Company response to consumer: Closed with non-monetary relief