vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 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:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately 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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc.
State: CA

Complaint narrative:
CarMax Finance has " closed '' and " written off '' {$11000.00} and has not sent me form 1099-C as of XX/XX/year>. I am asking for my 1099-C or that this debt will be totally removed from my credit report with all three bureaus. This is considered fraud, I will report this to the IRS and file a lawsuit. I have sent this company a certified letter with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FirstPoint Collection Resources
State: PA

Complaint narrative:
I never got notified that I even had a debt, I woke up today XX/XX/year>, and my credit score dropped XXXX points, it said because it was for a debt I had with these debt collectors XXXX XXXX  XXXX XXXX, XXXX XXXX, I had no knowledge of the debt for The amount of {$1500.00}. They already took action and reported it to XXXX between XX/XX/year> - XX/XX/year> and my XXXX XXXX dropped XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: OneMain Finance Corporation
State: WA

Complaint narrative:
XXXX XXXX ( OneMain Financial ) - takes payment but does not update available balance and falsely reports payments were returned. Payments made during the billing cycle before the payment due date to pay off the card are taken from my bank right away. They are listed as payment posted on the account. But they do not apply them to the available balance for 2 or more weeks, and usually not until the next billing cycle starts regardless of how early the payment is made. They set the account to XXXX balance with no available credit when it has been paid off in full. This last payment, they reduced the payment amount that I sent them by XXXX dollars after I sent it to leave a 'balance ' on the account when I had paid off the full amount. They still did not update the available balance, but took the reduced amount out of my bank right away. They charge fees that the account is over when they have already taken the payment out of my bank account and listed it as posted weeks beforehand. I have called them about it and they will not correct it. It has been going on for months. They have also said multiple payments made to pay off the card during the month have been 'returned ' while I had more than adequate funds in my bank account to cover them. My bank says they never received the request for the payment from the creditor or returned it/them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2024-12-28 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: ND

Complaint narrative:
i tried multiple times to contact them to investigate the things on my credit report and theres alot of information thats not mine and are not reporting accuraed information which is causing alot of roadblocks for me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I paid XXXX to my navy federal credit card on XX/XX/XXXX. That amount is being withheld because it came from an outside institution. However every payment I have made since XXXX to this card has been from that outside institution and Navy federal has not held the money until my payment last week on XX/XX/XXXX. 
Last week a wonderful gentleman was able to call XXXX ( the outside institution ) and verify that the funds had cleared my account. Today the woman I spoke with was XXXX XXXX and would not help. I asked to speak to a supervisor and she laughed at me then said it doesnt matter, not like you can use the card anyway. 
Upon speaking to a supervisor she stated the person who helped me last week was wrong and they could not call and verify that the money was cleared. This credit card carried a balance due to fraud charges that I have been fighting for years and I gave up and started to pay it. 
Navy federal wont help and are turning into a terrible financial institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I am writing to file a formal complaint against Navy Federal Credit Union for inaccurate and inconsistent reporting on my credit accounts. The issues involve contradictory information provided to different credit bureaus, which raises concerns about the accuracy and legality of the reporting practices. 

Details of the Complaint Last Payment Inaccuracy : The account reports a last payment of {$0.00} on XX/XX/2023. According to the Fair Credit Reporting Act ( FCRA ), a creditor can not report a last payment of {$0.00} if the account is not fully paid off. This is misleading and inaccurate. 

Inconsistent Payment History : XXXX : The account is reported as closed in XXXX and XX/XX/2023 but then marked as XXXX days late in XX/XX/2023. This inconsistency in payment history is inaccurate and does not align with the accounts actual status. 

XXXX : The account reports a last payment of {$0.00} on XX/XX/2023, yet the date of first delinquency is listed as XX/XX/2023. These dates are contradictory and indicate a significant error in reporting. 

XXXX : The account is reported as closed on XX/XX/2023, but the payment history shows XXXX days late in XX/XX/2023 and on time for XX/XX/2023. This inconsistency further demonstrates inaccurate reporting. 

Impact of the Inaccuracies These discrepancies have caused confusion and potential harm to my credit profile. As a consumer, I rely on financial institutions to ensure maximum accuracy in reporting, as required by the FCRA. Navy Federal Credit Unions failure to provide consistent and accurate information undermines my trust in their reporting practices and has necessitated this formal complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: AR

Complaint narrative:
TO WHOM THIS MAY CONCERN : XXXX XXXX  CHARGED THIS ACCOUNT OFF AS OF XX/XX/year>. 
THIS CHARGED OFF ACCOUNT IS NOW CONSIDERED ORDINARY INCOME. THIS IS CANCELLED DEBT SO HOW IS IT REPORTING ON MY CREDIT REPORT AS DEBT. 
I ASKED THIS COMPANY TO SEND ME A 1099-C FORM SO I COULD FILE THIS ORDINARY INCOME. THEY REFUSED TO SEND ME THE FORM, THIS IS A VIOLATION OF ( 15 USC 1681EB ). THIS DEBT WAS WROTE OFF ON THEY TAXES TO THE IRS AS PROFIT LOSS. THIS IS NOT ACCURATE INFORMATION REPORTING ON MY CREDIT REPORT. THIS ACCOUNT NEEDS TO BE REMOVED ASAP FROM MY CREDIT REPORT. 
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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exto Inc.
State: OK

Complaint narrative:
It was supposed to give me a advance and it said I was excepted for XXXX and they took XXXX for the fee but I never received the XXXX, and on top of that they said I was using XXXX dollars out of my XXXX credit limit and I wasn't or never knew how much credit I was able to use, so I closed the account and it's still showing up on my credit so when I try to log in of course it's saying my account is deactivated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
It appears someone has been using my information to apply for credit with companies : XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
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 I did not authorize any of those on my credit report, I see it during a check up on my 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 explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: John C. Heath, Attorney at Law, PLLC
State: FL

Complaint narrative:
XXXX I sign up for my credit to be fix and they was withdrawal the money out my account every month to fix my credit but no changes in my credit I call for them discontinued it but they continue to take the and cause my account to come overdraft and I had to change my account number what a hassle it was thank you for listening my name is XXXX XXXX my address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I applied for a XXXX XXXX Credit Card from Chase Bank. The offer was {$400.00} credit offered as {$200.00} egift card and {$200.00} statement credit on spending {$500.00} with the card. The egift card was due upon approval of the card.

My card was approved on XX/XX/year>. I asked about the egift card. They said it will be sent to my email id within 2 business days. I waited until XX/XX/XXXX as I did not receive the card. I called them and escalated. They said they would repond urgently and send me the egift card. On XX/XX/XXXX I received an email that I should send them a secure email back. Which I did. Again I get another secure email saying that they're creating another ticket.

They're simply sending me in circles and not honoring their offer. I have a copy of the offer saved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am writing to report unauthorized transactions made on my Wells Fargo account. My card was somehow linked to another persons XXXX XXXX account, allowing funds to be transferred from my account without my authorization. I have been unable to determine which account or individual is responsible for these transactions, but I know that money was added to this persons XXXX XXXX account using my card details.

I have contacted Wells Fargo 's fraud department, but I have not yet received any resolution or confirmation about the status of this issue. These unauthorized transactions have significantly impacted my finances, and I am requesting immediate action to investigate and resolve 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 2024-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SinglePoint GI
State: NY

Complaint narrative:
On XX/XX/2024 I noticed that General Revenue Corp a collection account was added to my XXXX credit report. The original creditor is XXXX XXXX which I never attended or enrolled. XXXX XXXX, sent this debt originally to XXXX XXXX XXXX XXXX XXXX I disputed this that account with XXXX XXXX and was removed due to fraud. XXXX XXXX  reinstated this debt with General Revenue and reopened another collection account on my XXXX credit report. This is the same alleged debt, but now being reinstated with a new collection agency. I do not owe this debt as I never attended XXXXXXXX XXXX, this is being reinstated via another agency and credit report. I have filed two identity theft reports, one from XXXX XXXX XXXX  and one for General Revenue Corp. XXXX XXXX  keeps on reinstating the {$1000.00}, which I do not owe and negatively hurting my credit, after I gave them notice of this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$710.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$200.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/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 2024-12-28 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: MS

Complaint narrative:
My name is XXXX XXXX, and I am a victim of the XXXX XXXX data breach, one of the largest data breaches in history. This breach exposed my personal information, including my Social Security number, date of birth, address, and other sensitive data, to unauthorized access.

Since the breach, I have faced significant challenges and emotional distress. Specifically : Financial Impact : I have had to spend time and money monitoring my credit and safeguarding my identity, including purchasing credit monitoring services and identity theft insurance.

I experienced fraudulent activity on my accounts, which required me to close and reopen accounts, dispute unauthorized charges, and spend countless hours on the phone with financial institutions. 
My credit score was temporarily impacted due to fraudulent credit inquiries, affecting my ability to secure favorable terms on a loan.

Emotional Distress : The breach has caused ongoing anxiety and stress, knowing that my personal information is permanently compromised and could be misused at any time in the future.

I have lost trust in institutions that hold my data, leading to a feeling of vulnerability and helplessness.

Logistical Burden : I have spent numerous hours filing reports with credit bureaus, freezing and unfreezing my credit, and staying vigilant for signs of identity theft.

These efforts have disrupted my personal and professional life, consuming time that I could have spent with my family or on other priorities. 
XXXX 's failure to adequately protect my data has had long-lasting consequences, and the breach continues to affect me today. I urge the court and responsible parties to ensure that victims like me receive proper restitution and that corporations take greater responsibility for securing sensitive consumer data in the future. 

Thank you for considering my statement.

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 2024-12-28 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: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
lVNV never notified me of purchasing my debt. XXXX XXXX never notified me about the debt. XXXX XXXX sold my information and debt in violation of 18 USC 1028. By submitting these to the credit bureaus the violated 15 USC 1681. They are also in violation of 15 USC 1692c. These are the accounts. XXXX, XXXX, XXXX, XXXX. These accounts are actually the XXXX XXXX XXXX XXXX XXXX XXXX XXXX digits. They were reported after selling the debts. Please remove these items from my reports. 

XXXX XXXX XXXX XXXX please call if needed XXXX XXXX XXXX

Company response to consumer: Closed with explanation