vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX : Balance : {$17000.00} Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX : Balance : {$3600.00} Account Name : XXXXXXXX XXXX, XXXX # XXXX : Balance : {$5500.00} Account Name : XXXX XXXX XXXX # XXXX : Balance : {$4900.00} Account Name : XXXX XXXX XXXX # XXXX Unauthorized Inquiries XXXX XXXXXXXX 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 explanation
Consumer complaint received 2024-08-15 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: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I am writing to express my deep disappointment with Navy Federal Credit Union 's handling of my dispute regarding a non-refund from XXXX XXXX. Despite the purchase of fully refundable tickets ( Booking Reference : XXXX, Amount : {$4600.00} ) on XX/XX/year>, and their cancellation by XXXX XXXX on XX/XX/year>, I have yet to receive the refund to which I am entitled. 

Despite my repeated attempts to resolve this issue directly with XXXX XXXX, I have encountered significant obstacles, including their initial false claim that the tickets were non-refundable. When the matter was escalated, XXXX XXXX canceled the tickets without my initiation, yet the refund remains unprocessed. 

I expected Navy Federal, as my trusted financial institution, to effectively support me in this dispute. However, I was informed that the dispute process was delayed due to the bank 's misunderstanding, as they believed the ticket was still active, which caused further delays and confusion. This has placed a significant financial burden on me and has been an ongoing source of stress. 

As a law-abiding citizen and veteran who places great trust in Navy Federal , I find the lack of effective support unacceptable. I am requesting that Navy Federal take immediate and decisive action to ensure that XXXX XXXX honors its commitment to refund the fully refundable tickets. All necessary documentation, including proof of purchase and communication with XXXX XXXX, has been provided. 

I urge Navy Federal to prioritize this issue and assist me in securing the refund promptly. If additional information or steps are required, please inform me immediately. 

Thank you for your attention to this matter. I look forward to a swift and fair resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: SC

Complaint narrative:
This company has negatively impacted my credit and I'm unaware of this debt. I do believe it's the same debt that argon agency was falsely placing on my credit that's been removed and now this random company is posting the same debt. I'm not sure if this is the case or not because I haven't received any contact or notice from MEDICAL DATA SYSTEMS I

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: KS

Complaint narrative:
Hello, I noticed that my credit report has items that have resulted from fraud which I never benefitted from.This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: KS

Complaint narrative:
Hello, I noticed that my credit report has items that have resulted from fraud which I never benefitted from.This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.

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 2024-08-15 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:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX : Balance : {$3600.00} Account Name : XXXX/DOFED # XXXX : Balance : {$2000.00} Account Name : XXXX/DOFED # XXXX : Balance : {$3500.00} Account Name : XXXX/DOFED # XXXX : Balance : {$2000.00} Account Name : XXXX/DOFED # XXXX : Balance : {$2000.00} Unauthorized Inquiries 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 2024-08-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX : Balance : {$3600.00} Account Name : XXXX/DOFED # XXXX : Balance : {$2000.00} Account Name : XXXX/DOFED # XXXX : Balance : {$3500.00} Account Name : XXXXXXXXDOFED # XXXX : Balance : {$2000.00} Account Name : XXXX/DOFED # XXXX : Balance : {$2000.00} Unauthorized Inquiries 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 explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
On Thursday, XX/XX/year>, Navient contacted my current employer. 

On Thursday, XX/XX/year> at XXXX XXXX, Navient contacted my personal phone number. 

On Wednesday, XX/XX/year> at XXXX XXXX, Navient contacted my personal phone number. 

On Tuesday, XX/XX/year> at XXXX XXXX, Navient contacted my personal phone number. 

On Monday, XX/XX/year> at XXXX XXXX, Navient contacted my personal phone number. 

Since Navient 's last response to my initial complaint, Navient has continued to consistently call me and has now escalated their harassment by calling my current employer. 

Per Navient 's last response on XX/XX/year> : " Please note that your account remains in a collection cease, due to the receipt of your original application. Therefore, we are not currently attempting to contact you or any cosigners for payment at this time. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Urgent Formal Dispute : Request for Immediate Deletion of Inaccurate Information To Whom It May Concern, I am writing to formally dispute the inaccurate information that has been reported on my credit file by your agency. This letter serves as a formal complaint against the reporting of erroneous late payments associated with my XXXXXXXX XXXX account ( Account Number : XXXX ). 
The specific inaccuracies include : XXXX and XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Equifax : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
These late payments have been wrongly attributed to my account and are causing significant and unjust damage to my credit score. Despite my attempts to resolve this matter directly with XXXXXXXX XXXX , they have failed to respond within the legally mandated 30-day period as required by 15 USC 1681i ( a ) ( 1 ) ( A ), which governs the procedures for the reinvestigation of disputed information. Their failure to comply with federal law in this regard has forced me to escalate this matter directly to you. 
As a consumer, I am protected under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies like yours must ensure the maximum possible accuracy of the information contained in my credit report ( 15 USC 1681e ( b ) ). By continuing to report this incorrect information, you are not only violating my rights under the FCRA but also contributing to the ongoing harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
TO WHOM IT XXXX CONCERN I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Please provide me with the following : ( XXXX ). Full accounting for this account : ( XXXX ). Copy of the assignment of purchase from the creditor ( XXXX ). Every charge and what was purchased, fee, payment, credit, interest ( XXXX ). How you calculated what you claim I owe ( XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ). Full chain of assignments from charge off to present ( XXXX ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA XXXX ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt XXXX will be on standby waiting for my instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: MS

Complaint narrative:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention and resolution of this matter are sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries 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 explanation
Consumer complaint received 2024-08-15 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: LA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXXXXXX # XXXX : Balance : {$290.00} Account Name : XXXX XXXX XXXX # XXXX : Balance : {$430.00} Account Name : XXXX XXXX XXXX # XXXX : Balance : {$960.00} Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX : Balance : {$9800.00} Account Name : XXXX # XXXX : Balance : {$660.00} Account Name : XXXX XXXX XXXX # XXXX : Balance : {$55.00} Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX : Balance : {$470.00} Account Name : XXXX XXXX XXXX # XXXX : Balance : {$450.00} Account Name : XXXX XXXX XXXX # XXXX : Balance : {$660.00} Account Name : XXXX XXXX XXXX # XXXX : Balance : {$550.00} Account Name : XXXX XXXX XXXX # XXXX : Balance : {$1000.00} Account Name : XXXXXXXX XXXX # XXXX : Balance : {$1000.00} XXXX Account Name : XXXX XXXX  # XXXX : Balance : {$340.00} Account Name : XXXX # XXXX : Balance : {$820.00} Account Name : XXXX XXXX XXXX # XXXX : Balance : {$4900.00} Unauthorized Inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-08-15 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: KS

Complaint narrative:
I requested three times back in XXXX, XXXX, and XXXX XXXX XXXX for the inaccurate and false bankruptcy to be removed from my credit reports, and they failed to tell me where they were verifying the information and the only place they could verify was from the court itself which the court does not verify records to credit reporting agencies. Attached Document : My rights have been violated and the credit reporting agencies have violated the FCRA : According to the FCRA, they have violated 3 laws : 1. 15 U.S.C. 1681 ( a ) ( 4 ) Infringed Upon a Consumers Right to Privacy 2. 15 U.S.C. 1681b ( a ) ( 2 ) No Permissible Purpose/ No Written Instruction 3. 15 U.S.C. 1681s ( 2 ) ( a ) Furnishers Must Not Provide Information that They Know to be False and that Can not Be Verified

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 2024-08-16 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-08-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Disputes have been sent to Nelnet between XX/XX/XXXX and XX/XX/XXXX. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
" I am formally disputing these credit inquiries as they were made without my explicit authorization, violating my rights under FCRA 1681b and 1681c, as well as the Graham-Leach-Bliley Act. These sections require permissible purposes for inquiries and accurate reporting, which have not been met. Additionally, FCRA 1681i and 1681s-2 guarantee the accuracy and completeness of credit information. My rights have been violated, and I demand the immediate removal of these unauthorized inquiries to correct and ensure the accuracy of my credit report. Failure to address this issue promptly will compel me to consider further action. ''

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 2024-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Account Name ; XXXX XXXX XXXX. 
Please provide me with the following : ( XXXX ). Full accounting for this account : ( XXXX ). Copy of the assignment of purchase from the creditor ( XXXX ). Every charge and what was purchased, fee, payment, credit, interest ( XXXX ). How you calculated what you claim I owe ( XXXX ). ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ). Full chain of assignments from charge off to present ( XXXX ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract ( XXXX XXXX XXXX sect. 93 ) & ( XXXX XXXX  XXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 non-monetary relief