vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX On XX/XX/2020, an 30 day late was reported on my credit report I was never late on the paid off account listed above, please show me documentation showing proof of transaction showing i was late to support your inaccurate reporting on my account, if you can not supply this, please delete this alleged late payment from my credit report for reasons that it is not a invalid late payment the FCRA allows 30 days for this to be rectified

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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # 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-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX : # XXXX, XXXX : # XXXX, AXXXX : # XXXXXXXX XXXX XXXX : # 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-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
To whom it may concern, I've already sent a letter to the creditor asking them to remove this late payment. They have not abided by what I have requested. They also violated my consumer law because they never gave me the option to opt out from reporting this information to a third party. 
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party. 

Payment Date : XX/XX/2020 XXXX Bank Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: KY

Complaint narrative:
This started XX/XX/2023. I deposited money and every single time I deposited money, Its a company called XXXX that takes that money right back out like MINUTES after I deposit money. I tried to reach out to this XXXX people but the phone number was not a working number. I could never get ahold of anybody. It seems that these transactions were made out of the country. I am located in the United States. It seems very shady as if Chime has something to do with my money missing. It is over {$1000.00} worth. I need my money back now. If not, I will be filing arbitration. My money should not be going missing minutes after I deposit. Please refund my money now. Claim ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX  : {$8400.00} ; XXXX XXXX  XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX  : {$11000.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are two inquiries on my credit report that I did not authorize nor had any prior knowledge of their existence. Please see below Unauthorized inquiry creditor : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Bureau : XXXX Unauthorized inquiry creditor : XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Bureau : Experian

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 2023-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
NAVY Federal Credit Union stole my entire California State and Federal Tax Refund without sending me to collections or notifying me of any action ( s ) in writing. I was expected to receive from State {$2000.00} and Federal {$6700.00}. Mind you that they are not only taking my money away, but my child 's money that he is entitled to by law as a dependent from State and Federal taxes. I am a XXXX veteran single XXXX mother caring for my XXXX son and XXXX mother. Federal Law allows only State and Federal Government Agencies to take refund money as payment toward a debt which NFCU is not. NFCU so called claims to follow NFCU Credit Card Agreement and Disclosure, but yet they refuse to provide me with the exact fine print to show me. NFCU failed to provide anything to me in writing by mail or email notifying of such offset. I have checked with the Bureau of Fiscal Services to determine whether an offset was to occur on a debt other than State or Federal Tax and they found zero. I have to pay XXXX for my late mortgage, XXXX to DWP ( Thanks COL in XXXX ), I also have to pay XXXX to NFCU for my checkline, and other bills. I expect my money back in my account asap since you have violated laws, regulations, and agreements, Furthermore, what they stole from my account has to be reported to the IRS which will cause to report a charge off as income which requires an amendment to my taxes. NFCU knows I lost my job, am XXXX and pending medical retirement/SSI, and I have other priorities other than a multimillion dollar credit union XXXX After the pandemic millions of us Americans have struggled and in debt, but what you did is theft and it is wrong. NFCU also stated by phone that they would offset {$180.00} each month beginning May from my VA disbility money. I expect NFCU to make the correct decision and return all the money they stole from my child and me or will resort to other legal and newsmedia means for help!

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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 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-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
A made a deposit to a car dealership to pre order a vehicle for {$3000.00}, at the time of deposit I was told it was refundable. XXXX weeks later something occurred in my personal life that required me to come up with additional funds, as I tried to get refund back, I was told it was non refundable. I have processed a claim with Well Fargo. I never signed a clause, contract, nor terms and condition policy with this dealership stating the parameters. I received the receipt ( attached below ) that doesnt show or state any guidelines I was told refund was refundable and now Im being told otherwise.

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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I obtained a copy of my credit report from the major 3 credit bureaus to check the information within making sure that it was accurate according to USC title 15 ( 1681 ) 5. 

Ive waited over 30 days to receive the investigation results which everything was still reporting the exact information as the previous months. The credit reporting agencies XXXX, XXXX, and XXXX did not complete and modify or remove any of the items on my credit report. 

The primary information being reported are not correct such as the open date, date last active, date of payment history. 

These are violations of the Fair Credit Reporting Act, which is harming me from obtaining fundings to start a business and buy a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXXXXXX 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 2023-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX contacted me by mail XX/XX/2023. When I received it I had no idea what it was even in regards to. I contacted them telling them it was not my debt. I then sent out two debt validation letters. The company had XXXX XXXX contact me again, she told me I would owe all attorneys fees and court cost and that If I didnt pay I would go to jail. She used abusive language and profanity. I told her I was never even served to go to court or received anything about court. She advised me I didnt need to get that, that I needed to pay them now. She advised me they can call my job and take my paychecks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Filed a dispute on XXXX XX/XX/2023 and still no response. It is almost 90 days with no update or corrections to my credit file.

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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: NJ

Complaint narrative:
I have repeatedly requesting from Lexis Nexis to remove a incorrect inaccurate bankruptcy off my consumer credit report. I have emailed my disputes to them with no notification via email or mail that my disputes have been handled nor has the false bankruptcy been removed from my consumer report to my knowledge. Further more then 3 credit agencies, XXXX, XXXX and XXXX all continue to verify this bankruptcy all siting that Lexis Nexis their third party vendor has verified with them. This is not only a violation of my federal rights knowing full well that the court house does not subscribe to any of the credit agencies nor Lexis Nexis, and yet this false bankruptcy continues to be reporting on my consumer credit report. 

Lexis Nexis does not have my consent to share ANY information to ANY third party company and or credit agency. Furthermore Lexis Nexis is neither the direct furnisher of any public records. 

How many times do i have to dispute this false inaccurate bankruptcy off my consumer report before it actually gets removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly delete the following inquiries ASAP. Thank you. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly delete the following inquiries ASAP. Thank you. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX RE : Validation Required over 7 years old XXXX XXXX XXXX To Whom It May Concern, XXXX, XXXX, TRANSUNION Ive reviewed a copy of my credit report and found a number of negative accounts that are older than seven years. Here are the accounts that should be removed because over 7 years old : XXXX XXXX XXXX, XXXX ( 8 yrs, 8 mos ) XXXX XXXX XXXX XXXX, XXXX ( XXXX yrs, XXXX XXXX ) XXXX XXXX XXXX XXXX, XXXX ( 13 yrs, 3 mos ) XXXX XXXX XXXX  XXXX. XXXX, XXXX ( 13 yrs, 11 mos ) I want you to know that I understand my financial obligations, and Id have an excellent repayment record. I made a mistake in falling behind, but since then, circumstances have changed and I have improved my money management. Since then, Ive had a spotless record of on-time payments. 
Im planning to apply for a mortgage/auto loan/etc., and its come to my attention that the accounts thats over 7 years old could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove all accounts thats over 7 years old. 


Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you. Sincerely, 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