vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
NAVY FEDERAL has not provided me my 1099-C for a charge-off/written-off account which is required by the IRS. NAVY FEDERAL said that they do not have to which is deceptive and misleading. They did not provide me with documentary evidence pursuant to 15 usc 44. They compiled billing statements that did not prove any alleged debt. I a not asking you to " verify '' anything. NAVY FEDERALS policy does not supersede federal law. 

GA code XXXX states any " debt '' that is the result of a promissory note has a statute of limitations of XXXX  NAVY FEDERAL is still reporting this charge-off/collection account to all credit reporting agencies. NAVY FEDERAL has continued unfair debt collection practices and has caused me great harm financially and has ruined my reputation as a consumer by furnishing this inaccurate, outdated, and unvalidated information. 

This action by NAVY FEDERAL, reporting collections/charge-offs, late payments, and other derogatory information on my consumer reports, is in direct violation of 26 USC 6050P, which pertains to Returns Related to the Cancellation of Indebtedness by Certain Entities.

In light of the above, I kindly request that NAVY FEDERAL take immediate action to rectify this situation by removing the derogatory account information from my consumer reports within 14 days of receiving this letter. Failure to do so will leave me with no choice but to officially file IRS Form 3949-A : Information Referral and IRS Form 211 : Application for Award for Original Information Overview with the Internal Revenue Service against all individuals and corporations involved in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: GA

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

Inquiry from XXXX on XX/XX/. 
Inquiry from XXXX XXXX on XX/XX/.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 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: AZ

Complaint narrative:
wrote several dispute letters to the credit agencies, Experian, XXXX, and XXXX to let them know by Law they do not have the right to show late payments on my credit report. By Law.. 15 U.S. Code 1681a - Definitions ; rules of construction. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for.2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.. Meaning they are showing transactions and experiences on my credit report which is a Exclusion by law.

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 2023-09-15 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: FL

Complaint narrative:
All 3 Credit Bureaus are reporting incorrect information for XXXX XXXX. This account has been paid in full and I was advised that this account would be removed once paid.

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 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
All 3 Credit Bureaus are reporting incorrect information for XXXX XXXX. This account has been paid in full and I was advised that this account would be removed once paid.

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 2023-09-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
They charged me interest and fees after I paid my card in full. I should have never been charged anything after the account was paid in full on XX/XX/2023.

XX/XX/2023 I paid comenity express IN FULL {$140.00} XX/XX/2023 comenity express charged me interest of {$2.00} XX/XX/2023 comenity express charged me a late fee of {$2.00} XX/XX/2023 comenity express charged me a minimum interest charge of {$2.00} XX/XX/2023 comenity express charged me a minimum interest charge of {$2.00} XX/XX/2023 I paid {$9.00} and requested the company stop charging me interest and fees on a balance I paid off months ago.

XX/XX/23 Comenity express responded saying they could not waive fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Systems International, Inc.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , CO Account no : XXXX dates of service : XX/XX/23 and XX/XX/23 total due : {$840.00} Insurance Details : XXXX XXXX XXXX Member ID : XXXX Group no:XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , UT XXXX. 

Issue is, the physician never sent the correct details to my insurance to be processed and now they sent the bill to debt collection agency. this will negatively effect our credit and a bad image on our part. 

There is a pending claim no XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I attended XXXX XXXX XXXX ( XXXX, MI ) XXXX. In that time I was convinced to take out high interest unsubsidized loans to pay for my education through Sallie Mae. Since then XXXX XXXX XXXX has closed. Navient has canceled the loans of some borrowers that attended XXXX. I was not one of those borrowers. 

My loans serviced by Navient : XXXXXXXX XXXX XXXX Disbursement Date : XX/XX/XXXX Original Principal : {$11000.00} Interest Rate : XXXX XXXX ( variable ) Total Accrued Interest : {$21000.00} Repayment Start Date : XX/XX/XXXX End Date : XX/XX/XXXX ( PAID IN FULL ) XXXX Signature Select Disbursement Date : XX/XX/XXXX Original Principal : {$6000.00} Interest Rate : XXXX XXXX ( variable ) Current Balance : {$10000.00} Total Accrued Interest : {$30000.00} Repayment Start Date : XX/XX/XXXX Loan Status : Repayment XXXX Signature Select Disbursement Date : XX/XX/XXXX Original Principal : {$3600.00} Interest Rate : XXXX XXXX  ( variable ) Current Balance : {$5800.00} Total Accrued Interest : {$17000.00} Repayment Start Date : XX/XX/XXXX Loan Status : Repayment The Navient website does not show the total amount I have paid since the loans were disburse or when Navient became the owner/servicer of the loans. I can estimate that I have paid the original principal of these loans multiple times over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-15 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX my card was used at XXXX for {$70.00} they declined it and then it was approved at XXXX at night so the items in question that we're getting paid for paid for twice I submitted my claim and they denied it. Next transaction was made for {$47.00} at XXXX XXXX XXXX the next one was the XXXX also it was for {$110.00} that was to XXXX XXXX XXXX XXXX. The next one is for XXXX for {$86.00} the next one 's for XXXX on the XXXX in XXXX for. {$54.00} XXXX cents. 
Final transaction was for {$93.00} even to XXXX XXXX on the XXXX of XXXX I reported my card stolen I tried to lock my card during the process of this time but cash offers experience you know technical difficulty outage and that's not what I'm blaming it on I'm blaming it on the whole fact that some took my card and they denied my claim. 
I also filed a XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: NY

Complaint narrative:
This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-15 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: FL

Complaint narrative:
I DONT RECOGNIZE THESE ACCOUNTS XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$1500.00} I DONT RECOGNIZE THESE INQUIRIESXXXX 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 2023-09-15 00:00:00
Product: Credit reporting 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:
Putting in correct items on consumer report. Breaking law

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 2023-09-15 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Sync/ppc is located at XXXX XXXX XXXX XXXX, FL XXXX XXXX 
The customer service number for Syncb/ppc is ( 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 2023-09-15 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: FL

Complaint narrative:
I DONT RECOGNIZE THESE ACCOUNTS XXXX XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$1500.00} I DONT RECOGNIZE THESE INQUIRIESXXXX  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 2023-09-15 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: FL

Complaint narrative:
I DONT RECOGNIZE THESE ACCOUNTS XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$1500.00} I DONT RECOGNIZE THESE INQUIRIESXXXX 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 2023-09-15 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: NV

Complaint narrative:
I have attached an FTC report with a fraudulent auto account and fraudulent unauthorized inquiries. This is my 4th attempt to resolve these credit issues.

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 2023-09-15 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: OH

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-15 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have received a copy on my consumer reports, and I notice this company have still furnished to the consumer reporting agencies transactions that are excluded by law as per the FCRA 15 USC 1681a 2Ai. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumers transactions are excluded from the consumer reports. FICO and or any other Risk score or algorithm that is used to calculate a consumers credit score is not a factor where the consumer report is concerned! Pursuant to the FCRA found in Section 607 ( a ) a data furnisher must provide accurate information to CRA 's. This company is in violation of the law. Wells Fargo already settled with you for $ XXXX over consumer abuses. I am currently being abused! Please find attached document that further prove my claim.

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 2023-09-15 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: NJ

Complaint narrative:
i do not recognize this. 

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 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Ok so my car was stolen in XXXX. There was some kind of mix up with the people at the insurance company ( My adjuster was terminated ) So it took a while to get a new one. In the process of all this going on I continued to make the payments. The insurance company called me in XXXX and stated that since it has been so long and the car has not been recovered they were going to go ahead and settle the claim. They sent the car company, American Car Center XXXX on XX/XX/XXXX, and asked that I allow 7-10 days for mailing. I called the car company and spoke with XXXX and XXXX, who advised that with what went on with the car, and the insurance is settling that I would be responsible for whatever the deductible is that they short the check by, which i believe was like XXXX. Meanwhile I was still making payments to them, and when I called to make the payment of XXXX, I was advised that it was XXXX plus because they deducted the payments that was made based on when the police report was made. I paid it on my XXXX and XXXX card. which i included in here. I was assured that it would be closed. I then called them today to discover that their accounts have been sold to westlake portfolio. No one can tell me anything other than the account is 46 days past due and when can I pay or I will be up for repo .... this was how we got here to the new complaint. I wake up this morning and now they are on my credit report. Marking me late hanging up the phone and giving me the run around. I don't owe them

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 2023-09-15 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: DISCOVER BANK
State: IL

Complaint narrative:
XX/XX/2023 Discover shows an an inquiry on my credit report This was unauthorized and I didn't request any of this company 's services.

Company response to consumer: Closed with explanation