vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-04 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am filing this case with the Consumer Financial Protection Bureau ( CFPB ) to address Navy Federal Credit Unions attempt to collect on a debt that I believe is being reported unlawfully. In 2024, I began disputing Navy Federals report of late payments and a charge-off on my consumer report after discovering legal requirements regarding when a payment can be legally considered late. Specifically, I have requested proof that Navy Federal mailed or delivered disclosures in compliance with 15 U.S.C. 1637 ( b ) at least 21 days before the payment due date, as outlined in 15 U.S.C. 1666 ( b ). Without this documentation, no payment should be classified as late. 

Despite my multiple requests, Navy Federal has not provided any tracking information or evidence of delivery for these disclosures. Instead, they transferred my case to an attorney, XXXX XXXX, for debt collection, which I believe violates the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C. 1692e and 15 U.S.C. 1692i. I received communication from this attorneys office that I did not request, which has further delayed resolution.

Its important to note that I do not recall receiving any prior communication regarding this debt collection attempt. Under FDCPA 15 U.S.C. 1692a ( 3 ), I am a consumer with a place of abode rather than a traditional residence. Thus, if Navy Federal sent anything to an address on file, I did not receive it.

I am attaching my original requests to Navy Federal, additional supporting documentation, and a self-executing contract designed to activate should Navy Federal continue withholding the information necessary to validate their claims. I respectfully request the CFPBs assistance in obtaining this proof, as Navy Federals lack of compliance constitutes a violation of multiple laws, including 15 U.S.C. 1681n, 1681o, and Titles 18 U.S.C. 1001 and 1006.

This unresolved issue has directly impacted my ability to obtain credit and represents a serious financial setback. I respectfully ask for the CFPBs intervention to resolve this matter as soon as possible. Thank you for your assistance in ensuring adherence to consumer protection laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: Mid-Atlantic Finance Co., Inc.
State: IN

Complaint narrative:
all XXXX credit bureaus is reporting this information that is incorrect and it dont belong to me.i have disputed the information did no good i also asked for them to show the paperwork proving its me i am a victim of identity theft i have a fraud alert on my account. it was alot of inquies and companies i never gave permission to use my info.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
XX/XX/XXXX SEQUIUM ASSET SOLUTIONS XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Notice of Dispute for Improper Communication in Debt Collection Violation of 15 U.S. Code 1692c Dear SEQUIUM ASSET SOLUTIONS, I am writing to formally dispute your recent communications regarding an alleged debt that I am purported to owe. This dispute is in accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c. 

In your communications dated XX/XX/XXXX of improper communication, you violated my rights as outlined in the FDCPA by : Contacting me at an inconvenient time, specifically XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Contacting me at my place of employment, despite knowing or having reason to know that my employer prohibits such communications. 
Failing to communicate through my attorney, despite being informed that I am represented by legal counsel.

These actions are clear violations of the protections provided under 15 U.S. Code 1692c. As a consumer, I am entitled to privacy and fair treatment, and your conduct has been contrary to these legal standards. 

I hereby request that you cease all further communication with me, except as legally required, and that you take immediate steps to correct your procedures in compliance with the FDCPA. Any further violations of my rights may result in legal action. Additionally, I am requesting full validation of the debt, including : 1. Verification of the amount of the debt ; 2. The name of the original creditor ; 3. Any supporting documentation proving that I am liable for this debt. Please respond in writing to acknowledge receipt of this notice within 30 day
s. Failure to comply with this request may lead to further actions, including filing complaints with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ).

Sincerely, Concerned Citizen

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern : For past year I have been denied credit a few times, which is strange with a XXXX credit score and excellent income and payment history. When I discuss with finance manager they tell me its because I filed XXXX during a divorce in XXXX. The issue is I filed but, I voluntarily dismissed it. The way it is being displayed gives the impression as though I went through with the XXXX. I didnt. 
This is similar to someone being arrested but then charges dropped being labelled as a criminal or someone files for divorce but withdraws the case, arent they still married? The way you display would show that individual as divorced and that is wrong. 
By the way, you are displaying a record that never went through is wrong and adversely affecting me personally and financially. If you go to XXXX, which is the Federal cases current and past database, there is no record of my filing because I dismissed the case by my own volition. I was going through a nasty divorce where my wife abandoned me and my XXXX daughters. I was not thinking straight. 
I should not be punished for something I did not go through with, Im requesting it be deleted from my record. 
This adversely affecting me personally and in business. Credit departments see the info and deny me thinking I went thru with XXXX. This is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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: MI

Complaint narrative:
As per the guidance from the CFPB, the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX XXXX rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block and remove this information from my credit report with FOUR BUSINESS DAYS. 
Please delete the following accounts XXXX XXXX XXXX XXXX XXXX  {$460.00} Chapter XXXX bankruptcy : Bankruptcy XXXX. {$0.00} XXXX bal. {$0.00} XXXX bal. {$0.00} XXXX  bal. {$720.00} XXXX XXXX. {$1100.00} XXXX XXXX XXXX XXXX XXXX. {$3300.00} XXXX XXXX XXXX. {$5200.00} XXXX XXXX XXXX XXXX XXXX. {$5300.00}

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 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I went to XXXX and selected Equifax as the bureau for the report. Upon being transferred to Equifax 's website, it asked me to log into my account, which I did. I selected the option to obtain my annual credit report. However, after going through the prompts, Equifax is only providing a one-page summary of total liabilities. I logged out and went to Equifax 's website directly and attempted to obtain the annual credit report, but received the same one-page summary. Instead, I went to XXXX and obtained my credit report, which consisted of over XXXX pages ( which appears to be exactly what I should have received from Equifax ). 

As a federal statute, Equifax is required to at least provide consumers one free credit report annually. The " report '' that Equifax is providing is not a report, instead just a list of total liabilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I HAVE RECEIVED A COPY OF MY CREDIT REPORT, AND I NOTICED FRAUDULENT INQUIRES : 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 non-monetary relief
Consumer complaint received 2024-11-04 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: GA

Complaint narrative:
I HAVE RECEIVED A COPY OF MY CREDIT REPORT, AND I NOTICED FRAUDULENT INQUIRES : 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 XXXX4

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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.
State: GA

Complaint narrative:
I HAVE RECEIVED A COPY OF MY CREDIT REPORT, AND I NOTICED FRAUDULENT INQUIRES : 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 2024-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I had fogotten to add new account number which was changed. 
Therefore, I had a return payment, including {$30.00} fee. 
I had chat with customer services and pomised to refund {$30.00} on XX/XX/XXXX. I can see the refund {$30.00} ; however, it was not applied to my account. It still stays on my acount. 

On the top of that, they submitted a request to the credit bureaus about delinquency that occurred from XXXX. 

I paid everything on time before the due date XX/XX/XXXX. I paid on XX/XX/XXXX and XX/XX/XXXX. 

I do not understand why it was delinquency when I paid it on time. I had a chat with the account manager. He states, they have no control over the reports sent to the credit bureaus as these are system generated. They should fix their system. This effects on customers ' credit reports which is not correct. 

However, they were not willing to fix the problem which was incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-04 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: GA

Complaint narrative:
Subject : Dispute of Debt Collection Contact and Cease Communication Request under 15 U.S.C. 1692c To Whom It May Concern, I am writing to formally dispute the collection actions taken in connection with the alleged debt associated with Account Number XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Acct # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Acct # XXXX Please remove item from my credit report immediately Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c, I am exercising my right to limit communication regarding this matter.

According to 15 U.S.C. 1692c, I have the right to request that debt collectors cease communication with me regarding this alleged debt. I hereby request that you immediately cease all communication with me, including but not limited to phone calls, written correspondence, and any other form of contact. Please note that failure to honor this request is a violation of federal law and will be documented for further action if necessary.

Additionally, I request that you provide verification of the alleged debt, including full details such as the original creditor 's information, the amount owed, and any supporting documentation verifying its accuracy. Until I receive appropriate verification, I will consider this debt to be unsubstantiated.

Thank you for your attention to this matter. I expect compliance with my request to cease communication, as well as a prompt response with the requested verification of the debt.

Sincerely,

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 2024-11-04 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: GA

Complaint narrative:
Subject : Dispute of Debt Collection Contact and Cease Communication Request under 15 U.S.C. 1692c To Whom It May Concern, I am writing to formally dispute the collection actions taken in connection with the alleged debt associated with Account Number XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Acct # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Acct # XXXX Please remove item from my credit report immediately Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c, I am exercising my right to limit communication regarding this matter.

According to 15 U.S.C. 1692c, I have the right to request that debt collectors cease communication with me regarding this alleged debt. I hereby request that you immediately cease all communication with me, including but not limited to phone calls, written correspondence, and any other form of contact. Please note that failure to honor this request is a violation of federal law and will be documented for further action if necessary. 
Additionally, I request that you provide verification of the alleged debt, including full details such as the original creditor 's information, the amount owed, and any supporting documentation verifying its accuracy. Until I receive appropriate verification, I will consider this debt to be unsubstantiated. 
Thank you for your attention to this matter. I expect compliance with my request to cease communication, as well as a prompt response with the requested verification of the debt. 
Sincerely,

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 2024-11-03 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 HAVE BEEN AFFECTED BY THE XXXX XXXX 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 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 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

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 2024-11-04 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : 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 non-monetary relief
Consumer complaint received 2024-11-04 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: CA

Complaint narrative:
Noticed the open credit card from XXXX on my credit report that I did not sign up for

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose f

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 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 HAVE BEEN AFFECTED BY THE EQUIFAX 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. 

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-03 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: MI

Complaint narrative:
As per the guidance from the CFPB, the required document and a letter from an advocacy group assisting me due to human trafficking debt bondage, which falls under XXXX  according to XXXX XXXX rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block and remove this information from my credit report with FOUR BUSINESS DAYS. 
Please delete the following accounts : XXXX XXXX XXXX XXXX. {$460.00} Chapter XXXX bankruptcy : Bankruptcy XXXX. {$0.00} XXXX bal. {$0.00} XXXX bal. {$0.00} XXXX  bal. {$720.00} XXXX XXXX. {$1100.00} XXXX XXXX XXXX XXXX XXXX. {$3300.00} XXXX XXXX XXXX. {$5200.00} XXXX XXXX XXXX XXXX XXXX. {$5300.00}

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