vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
From approximately XX/XX/year> to XX/XX/year>, NFCU released funds from my accounts totaling $ XXXX to third-party groups. The response from NFCU was you must have given someone access to your funds in order for them to get into your accounts ; I have not been reimbursed my money and I am aware that the particular NFCU branch that I deal with has been compromised by a security breach involving $ XXXX of funds of which NFCU has not yet redistributed to its account holders! The NFCU officials have claimed to have conducted an investigation but I do not trust their statements!

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing for XXXX ( XXXX ) reasons : XXXX. To dispute certain information in my credit file ; and XXXX. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( XXXX ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be XXXX correct the information 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 2025-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank - Mailed Priority Mail letters on XX/XX/year> requesting signature validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay alleged debt. Company has yet to provide my request for signature validation, well past XXXX calendar days. 

**Note : I will mail copies of all corresponding documents to your office as they exceed XXXX for uploading purposes. **

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: TX

Complaint narrative:
I sent a request of ownership for this debt, as it was obtained illegally. I have never done business of any kind with this company nor is it reporting on 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 2025-01-08 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: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX has been inaccurately reporting on my credit reports for XXXX  years. The company isn't even in business anymore and refuses to remove a title from my reports after hundreds of disputes and demands for debt validations. They don't have a single contract with my signature on it. I went to see about getting a title loan on my paid-off car in XXXX  after escaping domestic abuse and their interest rates were too high. As I started reading through the fine print during the contract signing I realized they were nothing but loan sharks and decided to go elsewhere. I got up and left and they placed a lien on my car without my consent. I never received a XXXX from them and have requested a contract and copy of a check or deposit slip for YEARS with NO PROOF ever provided. Their Scam has caused me huge financial constraints and burdens. They are predatory and illegal lenders. Reporting a CHARGE off to my credit profiles every single month for the last XXXX  years! They even repoed my car from the body shop after I'd been tboned and my car is written off as a total loss, at which time they sold MY car at auction for pennies and then wrote off the rest of their FAKE LOAN on their taxes and were paid from their insurance company for a loan they NEVER gave me and I NEVER consented to! They have destroyed my credit for years and my next step will be to 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 2025-01-08 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:
XXXX XXXX has been inaccurately reporting on my credit reports for XXXX  years. The company isn't even in business anymore and refuses to remove a title from my reports after hundreds of disputes and demands for debt validations. They don't have a single contract with my signature on it. I went to see about getting a title loan on my paid-off car in XXXX  after escaping domestic abuse and their interest rates were too high. As I started reading through the fine print during the contract signing I realized they were nothing but loan sharks and decided to go elsewhere. I got up and left and they placed a lien on my car without my consent. I never received a XXXX from them and have requested a contract and copy of a check or deposit slip for YEARS with NO PROOF ever provided. Their Scam has caused me huge financial constraints and burdens. They are predatory and illegal lenders. Reporting a CHARGE off to my credit profiles every single month for the last XXXX  years! They even repoed my car from the body shop after I'd been tboned and my car is written off as a total loss, at which time they sold MY car at auction for pennies and then wrote off the rest of their FAKE LOAN on their taxes and were paid from their insurance company for a loan they NEVER gave me and I NEVER consented to! They have destroyed my credit for years and my next step will be to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: FL

Complaint narrative:
XXXX XXXX has been inaccurately reporting on my credit reports for XXXX years. The company isn't even in business anymore and refuses to remove a title from my reports after hundreds of disputes and demands for debt validations. They don't have a single contract with my signature on it. I went to see about getting a title loan on my paid-off car in XXXX  after escaping domestic abuse and their interest rates were too high. As I started reading through the fine print during the contract signing I realized they were nothing but loan sharks and decided to go elsewhere. I got up and left and they placed a lien on my car without my consent. I never received a XXXX from them and have requested a contract and copy of a check or deposit slip for YEARS with NO PROOF ever provided. Their Scam has caused me huge financial constraints and burdens. They are predatory and illegal lenders. Reporting a CHARGE off to my credit profiles every single month for the last XXXX  years! They even repoed my car from the body shop after I'd been tboned and my car is written off as a total loss, at which time they sold MY car at auction for pennies and then wrote off the rest of their FAKE LOAN on their taxes and were paid from their insurance company for a loan they NEVER gave me and I NEVER consented to! They have destroyed my credit for years and my next step will be to 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 2025-01-08 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: IL

Complaint narrative:
IN XX/XX/XXXX while cleaning up office I found this unopened envelope and when open it included 3 cash cards from my XXXX XXXX cash back credit card. These cards were never activated and expired in XX/XX/XXXX. In XXXX I started calling XXXX XXXX one contact to another. Called credit card Co. also, the same story " Kick the can ''. I have correspondence from XXXX XXXX stating expired or lost cards can be replaced if I have the numbers for a charge of {$7.00}. No one mentioned or requested anything. Looking up on internet I was shown where a law had been passed that value was held and if you could prove and have the card numbers they would be reissued. I feel this whole situation is unethical and feel they XXXX XXXX were hoping to deal with a someone and not me!

If needed I have correspondence from XXXX XXXX  from XX/XX/XXXX to XX/XX/XXXX if needed.

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 2025-01-08 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: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone : XXXX ( XXXX ) XXXX Email : XXXX Date : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to address an item on my credit report that is listed as " Charged Off, '' which I believe to be inaccurate. I am requesting the correction of this information pursuant to the Fair Credit Reporting Act, specifically under 15 U.S.C. 1681i, which outlines my rights as a consumer in regard to inaccurate information on my credit report.

Under this law, I have the right to dispute any information on my report that is inaccurate, incomplete, or unverifiable. I request a thorough review of the information related to the " Charged Off '' item on my report, and that it be corrected if found to be inaccurate or invalid.

I kindly ask that you provide me with a response regarding the actions you will take to resolve this discrepancy within the time frame required by law, which is 30 days from the receipt of this letter. Should any further information be needed for verification purposes, I am happy to provide it.

I look forward to a timely resolution of this matter and for my credit report to reflect accurate information.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : 15 U.S.C. 1681i - Correction of Inaccurate Information 15 U.S.C. 1681i - Correction of Inaccurate Information : ( a ) Right to Correction or Deletion of Inaccurate Information If a consumer notifies a credit reporting agency that information contained in their credit file is inaccurate or incomplete, the agency must investigate, generally within 30 days, and correct or delete any inaccurate information. If the agency can not verify the accuracy of the information, it must delete it.

( b ) Investigation Procedures The agency must investigate the disputed information and provide a response to the consumer, as well as transmit the results to any institutions that reported the information.

( c ) Correction of Records If the information is found to be inaccurate, the agency must remove it from its file or correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-09 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: LA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recov Assoc- {$XXXX} My information was exposed in several data breaches, was victim of identity theft, and several accounts were opened with unauthorized, fraudulent use.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
My previous dispute was denied. The company stated they received a judgement and served for me the debt which is false information. I was never served anything. I dont understand how they can say I owe a debit to the company yet allow me to open a new card with them? I received an offer for a credit line, opened it then closed it within XXXX days after reading their shady business practices so how could I owe a debit and you allow me to open a new one? Its unfair and bad practices for them to get away with such matter. The only thing they provided was a letter, never a formal agreement with my signature saying I signed the up for the credit card for the original debit. I am requesting abirritation for the debit for its not valid. I have requested a true bill from them several times and I have received nothing but " this debit is valid "

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 2025-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: GA

Complaint narrative:
I am a victim of identity theft and would like this removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: OH

Complaint narrative:
am writing to formally dispute the unauthorized use of my consumer information, which I believe constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b.

It has come to my attention that you have accessed or used my personal information without my consent or any permissible purpose as outlined under the FCRA. Furthermore, I have no contractual obligation that would authorize such actions. Pursuant to the protections afforded by the FCRA, you are prohibited from obtaining or using my information without explicit authorization or a valid purpose.

Additionally, if my information has been reported to any credit reporting agencies, I demand the immediate cessation of such activity and the correction or removal of any unauthorized entries. Failure to comply may result in further action, including but not limited to filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies for any damages incurred as a result of this violation.

Please provide the following within 30 days of receipt of this letter : 1. A detailed explanation of the purpose for accessing or using my consumer information.

2. Documentation evidencing your permissible purpose, if applicable.

3. Confirmation that you have ceased all unauthorized activities related to my information and have removed any unauthorized reports to credit agencies.

If no permissible purpose exists, I expect an immediate acknowledgment of the violation and steps to rectify the situation. I reserve the right to pursue further legal action if these matters are not addressed satisfactorily and promptly.

Please address all correspondence regarding this matter to me at the contact information listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Commencing on or around XXXX XXXXXXXX XXXX, I fell victim to a multi-layered scam operation run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation