vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. This company has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 
15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more then seven years 15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). 
If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have a hard inquiries on my credit that I was never aware of. I dont recognise it at all I just got into my credit report and seen it I didnt recognise them at all thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: FIRST NATIONAL BANK OF OMAHA
State: NV

Complaint narrative:
I contacted FNBO when I was initially charged for unauthorized charges from XXXX XXXX for {$29.00}. FNBO initially credited my account for the unauthorized charges, and I requested that after I was credited that a PERMANENT BLOCK be immediately placed on my account blocking further charges by XXXX XXXX  Instead, FNBO allowed XXXX XXXX to CONTINUE TO CHARGE ME, despite the fact that I NEVER RECEIVED ANY GOODS OR SERVICES FROM XXXX XXXX 

*1. Therefore, I want AN IMMEDIATE CREDIT for EACH AND EVERY TIME XXXX XXXX  CHARGED MY CARD. *2. Unfortunately, I also want a NEW CARD NUMBER because XXXX XXXX keeps charging my card without my authorization or consent and I can not trust that FNBO will not allow them to keep charging my card. 

I have recently discovered that XXXX XXXX has thousands of complaints by consumers because they are running this same scam of unauthorized charges and repeat charges on thousands of customers.

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 2024-06-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: AR

Complaint narrative:
I was notified or given the option to select which repayment type I wanted with Mohela. I was under the impression that I qualified for the SAVE plan as 2 of my loans received approval on XX/XX/XXXX. However, I have been receiving conflicting information regarding re-payment. I have been placed on the graduate standard with payments due starting XX/XX/XXXX of XXXX which is over 20 % of my income. I am also to pay the SAVE plan payment on XX/XX/XXXX of XXXX. When speaking to a representative, I was told that my loans needed to be consolidated in order to re-apply for the IDR repayment plans. However, the lack of communication up until recently has been frustrating. Now I am left with confused as to how Mohela calculated XXXX and only recently on XX/XX/XXXX thought to send me the repayment schedule for payments starting XX/XX/XXXX for a payment plan ( Standard ) I did not select.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: FL

Complaint narrative:
I am submitting a report to challenge and investigate the wrongful reporting of these accounts on my credit file. The Fair Credit Report Act states I should receive {$1000.00} for each mistake. FCRA 605B obliges us to report any inaccuracies found on a consumer 's 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 non-monetary relief
Consumer complaint received 2024-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
On XX/XX/year>, a payment in the amount of {$50.00} was paid through my XXXX checking account to Concora Credit as a payment for my Destiny credit card account ending in XXXX. This payment was a Retry payment through the XXXX checking account because the initial payment that was made on the Destiny website on or about XX/XX/year>, did not go through. This Concora Credit Retry payment was made on XX/XX/year> and debited from my checking account. It was never returned by XXXX after the XX/XX/year> payment was made. Concora Credit stated that the XX/XX/year> payment was returned. This is false. I sent them my checking account statement showing that it was paid on XX/XX/year> and never returned but they refuse to credit my Destiny account for this payment. 

I made a second {$50.00} payment to my Destiny account on XX/XX/year> on the Destiny website for which I was credited but I never received credit for the XX/XX/year> Retry payment. 

My Destiny statements show only one {$50.00} payment on XX/XX/year> but do not show the {$50.00} payment made on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Midland Credit Management have erroneously reported on my credit report. 


On XX/XX/XXXX, I reviewed my credit report and discovered that Midland Credit Management had reported an alleged debt. This was surprising to me as I had no prior knowledge of this debt. 

On XX/XX/XXXX, I sent a dispute letter to Midland Credit Management requesting validation and verification of the alleged debt. I have attached a copy of this letter for your reference. 

Midland Credit Management responded to my dispute, but failed to provide proper validation of the alleged debt. Instead, they included a court record document showing a default judgment. 

To my shock, I was never served or made aware of any lawsuit, court date, or judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I disputed inaccurate information with Equifax in regard to this account XXXX XXXX XXXX ( Account # xxxxx XXXX ). Equifax is still reporting my information as accurate. After checking my credit report the information is still obviously inaccurate! On my Equifax report the account displays an open date of XX/XX/XXXX yet stating Date of First Deliquency was XXXX XXXX. This is clearly inaccurate that Equifax allowed to remain on my report. The account is not 100 % accurate so it is deemed INACCURATE and should be deleted immediately. Ive attached my Equifax credit report from XXXX XX/XX/XXXX. Please delete this account effective immediately. This is my right per the Fair Credit Reporting Act to request this ( FCRA ). ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disrupted by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Im asking that you delete this obvious inaccurate account off my credit report and send me an updated copy of this report in 15 days, Account Name : XXXX XXXX XXXX, Account Number : XXXX XXXX, Balance {$820.00}, Request : Delete account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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:
I recently checked my credit report and saw accounts reporting that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: GA

Complaint narrative:
My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX  XXXX 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 in the months that I was late to be removed.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently reviewed a copy of my credit history and came across fraudulent transactions, please remove those accounts 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 non-monetary relief
Consumer complaint received 2024-06-08 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: TX

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

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 2024-06-08 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: IN

Complaint narrative:
I have been a victim of Identity theft. In accordance with the Fair Credit Reporting act Convergent Accounts XXXX, Transunion and XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s a person shall not furnish any information relating to a consumer if the person has no knowledge.

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 2024-06-08 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have been a victim of Identity theft. In accordance with the Fair Credit Reporting act Convergent Accounts Experian, XXXX and XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s a person shall not furnish any information relating to a consumer if the person has no knowledge.

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 2024-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I contacted Experian and requested that they remove personal disputes that I created from my credit report so I can purchase a home through an FHA loan. I was told the six times that I called Experian that the disputes were deleted from my credit file upon checking those disputes are still on my credit report and Im in the process of closing on a home. Its currently in underwriting. The creditors that had disputes on them were university XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and when I checked, I had a new dispute which I did not request on XXXX  XXXX. My request was to remove all personal disputes from my credit file as this is preventing me from going forward on an FHA mortgage I called back in XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and so forth it is XX/XX/XXXX now and those are still reporting on my credit report, I feel like I have been lied to multiple times by multiple customer service agents stating that its been removed multiple times I was told that it would be removed within 24 to 72 hours hence they made a new dispute on XXXX  XXXX so theres a couple creditors that need to be removed as disputes. I pay as agreed on these accounts. I agreed to the terms of the accounts and I no longer dispute those accounts are in dispute. I no longer disagree with the outcome.

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 2024-06-08 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: KS

Complaint narrative:
Information on my credit report fr

om all 3 agencies is incorrect. Your roll is to report all correct and accurate information. Things that is incorrect and invalid. Date opened High credit Credit limit Last report
ed Date last active Date of last payment All 3 credit reporting agencies are posting different payment history. Not acceptable!

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 2024-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I feel that I have really done my part trying to remove all these things over the years and they haven't by law removed it so I feel that y'all should be able to look into this and remove these things 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 explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
PORTFOLIO RECOVERY Reported : XX/XX/XXXX - {$690.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$690.00} Highest Balance {$690.00} Opened XXXX XXXX, XXXX ( 1 yr, 3 mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX  XXXX XXXX XXXX  Closed No Info Creditor Information PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX The law clearly states If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communications with the consumer. 15 U.S.C. 1692c ( c ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 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: MO

Complaint narrative:
I am submitting a report to challenge and investigate the wrongful reporting of these accounts on my credit file. The Fair Credit Report Act states I should receive {$1000.00} for each mistake. FCRA 605B obliges us to report any inaccuracies found on a consumer 's 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 non-monetary relief
Consumer complaint received 2024-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TapTap Send Inc.
State: CA

Complaint narrative:
Just recently my account with taptap send remittance was hacked by a hacker and I immediately contacted them for an unknown recipients and the hacker almost got the money from my bank account. The taptap send permanently suspended my account without asking me for a verification that the account is mine not hackers account. I tried to create another taptap send account by using my sons XXXX and phone number as well as different bank account and email address but taptap send permanently closed my account again without verifying my identity. I warned them that I will file a complaint against them but seemed to me that they dont care at all. The taptap send never offered a resolution on the issue. They think that everything is a joke and thats why they have no intention to resolve an issue. I hope that the taptap send company will be punished so they will learn a big lesson.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: CA

Complaint narrative:
XXXXWESTLAKE FINANCIAL preapproved me for a car loan, no down payment required approved up to XXXX XX/XX/year> went to XXXX XXXX XXXX XXXX XXXX called dealership and informed XXXX down payment needed. went to dealership to purchase advertised vehicle XXXX then was told i would need XXXX down payment. transferred XXXX from bank account. 
I was told that the excess in fees was an estimate and would be adjusted by the finance company on first bill. 
XX/XX/year> I reached out to them and they said the dealership is to request the change and make the corrections on the contract and amounts sent over to financing. 

XX/XX/year> When reached out to dealership they ignored and refuse to address my request on top of the issues i have with the vehicle not operating correctly. 
No resolve has been reached to date

Company response to consumer: Closed with explanation