vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : XXXX Purchased vehicle XX/XX/XXXX -NAVY FEDERAL CREDIT UNION alleged to have given a " loan '' for the purchase of a XXXX XXXX XXXX XXXX XXXX. No " loan '' was provided to me only a " credit '' that originated from the submission of my credit score, application utilizing my social security number issued by the Social Security Administration and my Financials. " NFCU '' continues reporting negative late payments to the credit bureaus alleging an amount of " debt ''. 2. " NFCU '' has also " Breached any Contract '' by and between XXXX XXXX XXXX and " NFCU '' whereas the Promissory Note has a Mandatory " Arbitration '' Clause. Whereas the right to Arbitrate has not been waived and the matter is an arbitrable issue. " NFCU '' HAS reported DISCHARGING the " debt '' AS OF XX/XX/XXXX AND HAS FAILED TO PROVIDE A NOTICE OF CHARGE after multiple requests for documentation of this action. The actions described has caused damage to my reputation and credit worthiness resulting in adverse action resulting in denial of credit from other creditors, financial hardship, emotional stress, and loss of income from having to litigate and spend time defending these violations of the US Constitution. I have also submitted my Affidavit to " NFCU '' and a Notice of tendering final payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: John C. Heath, Attorney at Law, PLLC
State: AL

Complaint narrative:
I do not remember the date. But my account was ach draft each month until it was doing anything for me I cancel. Then I start recieveing all kind of offer phone want stop ringing of offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: NV

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company. 
Please review and investigate the accounts

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 2024-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In my complaint ending in # XXXX i outlined a systemic problem with XXXX XXXX when making payments. In there response to this particular case and many others on the basis of handicapped accessibility not one of my concerns were addressed. They instead cited policy that has little to do with the actual problem. I was denied my right to make my payment on XX/XX/XXXX at the XXXX branch office. 
XXXX XXXX XXXX XXXX, XXXX. 
XXXX In your response you stated that " due to traffic i was told to come in '' That was a blatant lie told to down play the severity of the situation and make it seem like there was an actual reason other than personal retaliation on the part of the bank for having to pay me XXXX XXXX in response to them not properly handling my a fruad alert on my accounts by disgruntled bank employees for personal naming them in XXXX complaints. I have documented XXXX  and sever XXXX. I clearly stated that to the teller who informed there was nothing they could do. They don't have the available protocols in place for this kind of problem.

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 monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to seek urgent assistance regarding an unprofessional experience I have encountered with Citibank related to a recent travel disruption. 

Approximately one month ago, I used my Citibank credit card to purchase XXXX plane tickets through XXXX for a trip with XXXX  XXXX XXXX. The total amount charged was {$1300.00}. However, I soon noticed that this transaction was divided into XXXX separate charges : {$620.00}, {$620.00}, and {$85.00}. The tickets, which are return tickets from XXXX to XXXX ( XXXX ) with a stop in XXXX, were scheduled for XX/XX/scrub> 2024. 

Subsequently, we were informed by XXXX that the airline had canceled our flight and would issue a full refund. The airline also advised us that if we still wished to travel, we would need to rebook. We had no choice but to rebook our tickets using a different card ( XXXX XXXX ) for payment. 

Despite providing Citibank with substantial evidence supporting our situationsuch as proof of the rebooking along with bank statements reflecting the different payment methodwe have yet to receive the refund for the initial transaction. 

I have opened XXXX disputes with Citibank regarding these charges : XXXX. **Case ID XXXX for {$620.00} ( opened XXXX XXXX, 2024 ) XXXX. **Case ID XXXX for {$620.00} ( opened XX/XX/year>2024 ) XXXX. **Case ID XXXX for {$85.00} ( opened XX/XX/scrub> 2024 ) While I have complied with all requests for documentation, Citibank recently closed Case ID XXXX in the merchant 's favor, despite the clear evidence we provided. In regards to the other XXXX disputes, I received communication stating that they still require more information from me. However, it's Been 48 hours & I still don't see any notice from Citibank under the Notices & Letters and yet the already reversed the temporary credit they issue to my account. 

I am increasingly frustrated and distressed by Citibank 's lack of professionalism and inadequate handling of this matter. I am now seeking legal assistance as I feel I am not receiving a fair resolution. 

I would greatly appreciate your guidance and support in addressing this issue with Citibank. Thank you for your attention to this urgent matter. 

Sincerely, 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 monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
To Whom It May Concern : I am writing to file a formal complaint against Fair Collections and Outsourcing for attempting to collect on a previously disputed and invalidated debt. 

The debt in question was previously investigated by all three major credit bureaus- XXXX, XXXX, and XXXX- and determined to be incorrect around the XXXX - XX/XX/year> timeframe. Despite this determination, Fair Collections and Outsourcing continues to pursue collection activities and is causing undue harassment through their persistent attempts to collect this invalid debt. 

Their actions are causing me significant distress and threatening my credit standing, which was already negatively impacted by their previous improper collection attempts. This behavior appears to violate the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from using unfair, deceptive, or harassing practices.

I request that the CFPB investigate this matter and require Fair Collections and Outsourcing to : Cease all collection activities related to this invalidated debt Remove any related negative information from my credit reports Provide written confirmation that they will stop pursuing this debt Thank you for your attention to this matter.

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 2024-12-26 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: First Credit Services Inc.
State: MO

Complaint narrative:
I am respectfully requesting a validation of debt, pursuant to 15 USC 1692g, alongside Anybody can do it a cease-and-desist proof of claim. Please provide proof of claim and demand to see and authentication contractual agreement that authorizes the legal or lawful collection of this alleged debt. Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
So I filed a XXXX XXXX XXXX and 5 years into the XXXX  which was a 6 year plan XXXX XXXX XXXX goes and adds later payments to my credit about 4 1/2 years worth when I was already protected bye bankruptcy Ive disputed this multiple times and they refuse to fix this on both me and my wifes credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: CA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX MT XXXX Inquiries : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2024-12-26 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: CA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXXXXXX XXXX MT XXXX Inquiries : XXXX XXXX XX/XX/23 XXXX XXXX XX/XX/23 XXXX XXXX  XX/XX/23 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2024-12-26 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: GA

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.

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 2024-12-26 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: GA

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.

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 2024-12-26 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: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.SXXXX Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Checkr, Inc
State: MI

Complaint narrative:
I never

have Checkr any permission to use my data or furnish my non public personal information. This company is violating my rights in several ways. am writing to address a serious matter concerning the unauthorized use, furnishing, and retention of my personal information by Checkr , Inc. Your companys actions have violated several provisions under federal law, including the Fair Credit Reporting Act ( FCRA ), and have caused significant harm to my privacy and rights. Specific Legal Violations 1. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) : 15 U.S.C. 1681b : Checkr accessed and used my consumer report without a permissible purpose or my explicit consent, in violation of federal law. 15 U.S.C. 1681e ( b ) : Your company failed to ensure the accuracy of the information furnished, further breaching my rights under the FCRA. 
15 U.S.C. 1681q : Your unauthorized actions constitute obtaining information under false pretenses, a criminal offense under this section.

15 U.S.C. 1681n : For each willful violation of the FCRA, I am entitled to statutory damages of {$1000.00}, as well as punitive damages and legal costs.

2. Code of Federal Regulations ( CFR ) : 12 CFR 1022.10 : Checkr furnished my personal data without obtaining my prior consent, directly violating this regulation.

12 CFR 1022.43 ( b ) : Your company failed to notify me of my right to opt out of information sharing or provide a mechanism to exercise this right.

3. Criminal Violations Under U.S. Code : 18 U.S.C. 1028A ( Aggravated Identity Theft ) : Using my personal information without authorization constitutes a serious criminal offense.

18 U.S.C. 1343 ( Wire Fraud ) : If my data was transmitted electronically without my consent, it amounts to wire fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: MD

Complaint narrative:
I am requesting the immediate removal of these unauthorized accounts from my credit report, as I neither opened them nor knew they existed. As per USC 1681g, please delete them within 15 days. I have included the necessary supporting documentation.

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