vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XX/XX/2023 : I called Navy Federal Credit Union to requesting my XXXX  Benefits for XXXX separate auto loan accounts I have open with their financial institution. I am entitled to these benefits as I am an actively XXXX service member. I completed the application to request XXXX benefits, provided my orders, and requested backpay up to the beginning of my orders as well, as I had been on orders for XXXX years at this point receiving no SCRA benefits. I submitted any documents needed to navy federal and received a confirmation stating it was received. 

XX/XX/2023 : After a long waiting process and no calls, emails, or mail. I call Navy Federal again and to check on the status of my application, they then informed me that the application was denied but were unable to give any reasoning. After requesting a supervisor, I was scheduled for a call back. On that call I was informed that my application was denied for not stating the word " Texas '' on the application. But I was welcome to reapply with the proper wording " requesting Texas state XXXX benefits. '' XX/XX/2023 : After resubmitting the application with the requesting wording, I was then informed that I would have to wait another XXXX to 60 days for my application to be reviewed. 

XX/XX/2023 : Still no calls, text, emails, or mail. I decided to call navy federal, still no update on the application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-04 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: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
I haverepeatly denied credit accounts due to information they pull from the three major credit bureau illegally. Under privacy act they dont have scores or have wrong information on my reports and will not provide the evidence of such debts experience has no score and debts not mine has for years equivalent I can not access and they charge to do so identity theft and they do not provide protection they advertise false advertising. When dispute they have the bank or debts investigate the dispute and it never gets corrected major fraudelent schemes third party verification illegally unauthorized coming from Arizona

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 2023-12-04 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: NC

Complaint narrative:
I am a natural person, I am a living human being. I have rights under 15 USC 1681. 
I told Equifax to reivestigate these accounts. However, they stated everything was accurate. How can that be if the open date, date of last activity and much more is incorrect. 

Equifax is govern by 15 USC 1681. And they have violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

According to 15 USC 1681 : I have the right to privacy and I did not give Equifax, written permission to furnish these accounts. 

According to 15 USC 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. 

Accounts are as follows : XXXX XXXX ; opened XX/XX/XXXX {$6100.00} XXXX ; opened XX/XX/XXXX XXXX XXXX XXXX ; opened XX/XX/XXXX XXXX XXXX XXXX ; opened XX/XX/XXXX XXXX XXXX ; opened XX/XX/XXXX XXXX XXXX ; opened XX/XX/XXXXXXXX XXXX ; opened XX/XX/XXXX FTC Report XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: MO

Complaint narrative:
On XX/XX/ I sent a request for debt validation with my original contract and wet ink signature for accounts with XXXX XXXX XXXX Wakefield

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: VA

Complaint narrative:
On XX/XX/2023 I'm trying to update my report, However I keep receiving an error stating that they can not show todays 3-bureaus report. This might mean that Equifax was no record of your credit history or different personal details to you on file until this issue is resolve you won't be able to see your report. 

I'm not sure what is happening but I ensured none of my reports are locked or frozen and I still can not acces my report. Please help me to resolve this case because it causing me alot of stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Balance on credit report not reflecting on none of the credit bureau. My last updated from XXXX was XXXX before I started disputing the incorrect amounts. I called XXXX for them to tell me an update was sent on XX/XX/XXXX, {$850.00} but thats not true. My reports say XXXX Credit bureaus are telling me to contact XXXX. XXXX is telling me to contact the bureau. I disputed with all 3 credit agency and the balance is still not 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 non-monetary relief
Consumer complaint received 2023-12-04 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: IN

Complaint narrative:
Balance on credit report not reflecting on none of the credit bureau. My last updated from XXXX was XXXX before I started disputing the incorrect amounts. I called XXXX for them to tell me an update was sent on XX/XX/XXXX, {$850.00} but thats not true. My reports say XXXX Credit bureaus are telling me to contact XXXX. XXXX is telling me to contact the bureau. I disputed with all 3 credit agency and the balance is still not 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 2023-12-04 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:
These Companies have engaged is abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished these accounts that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More less they did not follow the proper five step validation procedure which make this unfair practices. According to the FDCPA I'M ENTITLED TO XXXX DOLLARS PER VIOLATION AND CLEARLY THEY VIOLATED MY RIGHT!

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 2023-12-04 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:
These Companies have engaged is abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished these accounts that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More less they did not follow the proper five step validation procedure which make this unfair practices. According to the FDCPA I'M ENTITLED TO XXXX DOLLARS PER VIOLATION AND CLEARLY THEY VIOLATED MY RIGHT!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
XXXX fraudulent purchases totaling {$4100.00} were made on my payroll card, company has my denied claim. 

I was informed verbally by customer service on XX/XX/XXXX that the above referenced dispute case was declined and the only way to appeal this false decision was to write a letter of appeal. 
An employee of your company is grossly negligent for declining the fraud claim for a reason I am told of previous charges from merchant ( s ) this is false as I have never had charges from any of the XXXX disputed fraud companies in my history. I am completely distraught over this ordeal and have been told there is no way to speak to anyone in the fraud/dispute department that the only way to communicate is in writing this appeal. 
I demand a review of this case immediately and the negligent actions of your employee ( s ) to decline my fraud claim based on a false basis. As explained in detail in my prior letter ( enclosed ) dated XX/XX/XXXX I was XXXX  XXXX XXXX  years of age when these fraudulent purchases were made, I do not own property I live at home with my parents in XXXXXXXX XXXX and do not have a drivers license. I most certainly did not get a tattoo at a merchant called XXXX XXXX located in XXXXXXXX XXXX or pay property management fees or make a charge at total wine or any other of the remaining fraudulent locations. I have worked very hard part time at XXXX XXXX XXXX XXXX XXXX to save for car insurance and your company is denying me credit of {$4100.00} in fraudulent charges. I have followed all rules according the my cardholder agreement in reporting the fraud immediately upon discovery on XX/XX/XXXX, sending the signed customer dispute form and written statement of unauthorizes transactions on XX/XX/XXXX. 
As stated previously I am reporting the unfair and abusive practices of your company to the Consumer Financial Protection Bureau as well as XXXX federal regulators. If you do not answer this letter to my satisfaction you will answer to them. 
Please advise what steps your company will take to resolve this matter and credit my account for {$4100.00} in fraudulent charges.

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 2023-12-04 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
I was advised by a Transunion and XXXX representative to fill out this report because of unauthorized inquiries on my report. Please remove all of these fraudulent unauthorized inquiries on my report. 

Please remove all of the fraudulent unauthorized inquiries from my report. Thank you for your help. This is hurting my credit and reporting false information for future creditors. XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I secured a XXXX XXXX XXXX XXXX credit card and it transferred {$2200.00} over to PayPal Credit, Synchrony Bank. This was to occur a few weeks ago. 

The loan is still showing the same amount, costing me money. 
Can you please contact them and ask them to find out why they have not applied the payment? 

XXXX XXXX XXXX XXXX making the payment to PayPal Credit is XXXX XXXX XXXX XXXX XXXX  expiration XXXX XXXX Pay Pal Credit statement show account blocked out it is 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 2023-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CT

Complaint narrative:
Hello, I am writing to file a formal complain against MOHELA for the constant negligence and disregard of my student loan processing. I submitted my IDR application XXXX XXXX XXXX. My application has been pending review for over 90 days. I have called this servicer 50+ times and have received misinformation constantly. I have waited for 3-4 hours daily to speak to a representative. I have scheduled over 30 call backs that have not been returned. I have been promised this matter would be escalated to supervisor/escalation units and have been blatantly hung up on. I have been promised processing times of 2-3 days, 5-7 days, and 10 days all amongst XXXX that which have NONE been adhered to. This loan servicers constantly has tried to push forbearance on my account multiple times. They have refused to reprocess a new IDR plan over the phone. I have sent complaint messages on XXXX XXXX XXXX XXXX which note will be responded to within 2-3 days, NONE of which have been responded to. I requested a full audit of this account which yet has not been provided. There is absolutely no way to get a hold of this servicer as when promised a call back- the call directly goes to VM where the agent attempts to report they called to respond - when they haven't. I have received the call back, placed into the waiting que, and have been forcedly disconnected and somehow the agent still has access to leave a VM? I was guaranteed the latest processing would be XXXX XXXX  and its still not processed however payment is due tomorrow. Not to mention my monthly payment has fluctuated for 3 months and MOHELA reps have no explanation as to why. There are so many discrepancies regarding my account, and it needs to be examined thoroughly and this servicer needs to be held accountable for all the false promises they have guaranteed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: NC

Complaint narrative:
I am a natural person, I am a living human being. I have rights under 15 USC 1681.

I told Transunion to reivestigate these accounts. However, they stated everything was accurate. How can that be if the open date, date of last activity and much more is incorrect. 

Transunion is govern by 15 USC 1681. And they have violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

According to 15 USC 1681 : I have the right to privacy and I did not give Transunion, written permission to furnish these accounts.

According to 15 USC 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. 

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 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 non-monetary relief
Consumer complaint received 2023-12-04 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: CA

Complaint narrative:
Major infringement of my consumer privacy rights under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S. Code sections 6801 and 6802. I am horrified and concerned that your group has violated these federal statutes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: CA

Complaint narrative:
Major infringement of my consumer privacy rights under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S. Code sections 6801 and 6802. I am horrified and concerned that your group has violated these federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Major infringement of my consumer privacy rights under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S. Code sections 6801 and 6802. I am horrified and concerned that your group has violated these federal statutes.

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 2023-12-04 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: AR

Complaint narrative:
There was a charge on my paypal account for XXXX that I didn't make. I had to cancel the debit card and report it stolen with the bank but paypal closed the case with no resolution - even after telling them I did not make that transaction. They stated after their review they found certain transactions weren't unauthorized. Ok, I think I know what I authorized and didn't. Then, just to see what would happen, I clicked on repeat this transaction and low and behold, that individual can no longer accept funds. Imagine that. So now it's apparently ok for Paypal to let your card get hacked and no be responsible for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04 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: IN

Complaint narrative:
My personal information was stolen during the XXXX data breach resulting in accounts being opened in my name destroying my credit and putting me in debt.

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 2023-12-04 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: ME

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 15 U.S. Code 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

15 U.S. Code 1681b Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

18 USC 1028A provides that aggravated identity theft occurs when a person commits a crime and also knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person.

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 2023-12-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One - Hard Inquiry Identified a wire transfer to being improper, this was done by a person who authorized the transfer into my account. Now this hard inquiry is being held until XXXX. This wasnt my fault and I was being held accountable for a wire transfer made into my account by the approved partner. Realizing they were trying to negate their claims, Capital One has since been able to report any updates or issues from then on.

Company response to consumer: Closed with non-monetary relief