vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-18 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: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
On XX/XX/XXXX, Consumer, Natural person, wrote a letter to Navy Federal Credit Union addressed to CEO, XXXX XXXX of furnishing inaccurate information, and failing to follow reasonable procedures for ensuring the accuracy of Consumer information, failing to properly investigate a Consumer dispute and issuing or obtaining a Consumer report for impermissible purposes has caused Consumer severe and actual damages for an account that is on Consumer credit report for a number of years as a CHARGED OFF. NFCU continues to act XXXX XXXX XXXX  as if they don't know what account Consumer is speaking of. Along with Consumer letter of them having a duty, the Consumer also sent in the IRS Form 1099 OID is which was submitted to IRS in XXXX. As stated in my letter informing NFCU that they CHARGED OFF the said debt on the REVOLVING CREDIT CARD that was paid in full. IRS Publication 4681 states if NFCU never sent Consumer a 1099 C form but DISCHARGED the debt and according to the IRS NFCU must report cancelled debt as gross income on NFCU tax returns and the IRS clearly define CHARGED OFF as gross or ordinary income which does not get reported on CONSUMER reports, which is fact makes NFCU reporting inaccurate. NFCU reported to XXXX that this debt was a collection and charge off and payments after charge off/collection-paid profit and loss while they reported to XXXX unpaid balance reported as a loss by credit grantor and that Consumer opened this account on XX/XX/XXXX. NFCU decided not to respond to this account # XXXX and instead decided to address an active XXXX XXXX XXXX XXXX XXXX XXXX  account that has never had any issues. 

NFCU requested for Consumer to send : 1. Detailed description of the item and why Consumer feel it is inaccurate 2. Date of the disputed item. 
3. Full XXXX account number in question 4. Copy of the single bureau credit report from XXXX, XXXX and XXXX that reflect the dispute And threaten Consumer stating without this information, in which Consumer has submitted a Notarized and Certified detailed debt validation letter addressed to CEO for DISCHARGED debt and copy of 1099 C along with Damages caused to Consumer [ Exhibit 1 ], Ceast & Desist Letter [ Exhibit 2 ], Invoice [ Exhibit 3 ] and Drivers License [ Exhibit 4 } and Copy of 1099 C [ Exhibit 5 ] that Consumer sent to IRS for XXXX  Estate Taxes. 

Also, the statutory limit for a credit card to be reported under Michigan Regulation and Collection Practices ( Excerpt ) Act XXXX of XXXX Prohibited Acts, NFCU has 6 years from the date of last payment to collect debt. 

Letter from NFCU [ Exhibit 5 ].

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: FIRST ADVANTAGE CORPORATION
State: OH

Complaint narrative:
First Advantage  ( Fadv ) ran a background check using XXXX XXXX instead of my legal name which is XXXX XXXX XXXX. When the international background check came back theres a criminal conviction for XXXX XXXX for a murder. The court records shows that the record is for a man named XXXX XXXX not a XXXX XXXX XXXX and they refused to delete the record on my background check report. 

This has cost me a lot and potentially lose my job offer for something I didnt do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I DID NOT AUTHORIZE NOR CONSENT TO THE FOLLOWING INQUIRIES BEING FURNISHED ON MY CONSUMER REPORTS! XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Absolute Resolutions Corp.
State: MT

Complaint narrative:
They said it was paid as agreed upon and that I no longer owe them anything but now they have put derogatory remarks into my report. But only with XXXX?????? I want that removed from my report!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX : XXXX -- -> : {$1700.00} XXXX. XXXX, XXXX : XXXX -- -> : {$1200.00} XXXX, XXXX : XXXX -- -> : {$260.00} XXXX  : XXXX -- -> {$12000.00}

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 2022-04-18 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: Bridgecrest Acceptance Corporation
State: LA

Complaint narrative:
On XX/XX/2021 I sent third dispute to XXXX, XXXX, and XXXX in regards to reporting incorrect information. I have not received any information on them validating the accuracy of the account, however the reports that they provide remains unchanged. Bridgecrest account was a voluntary repo that was charged off and paid as agreed.

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 2022-04-18 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: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-04-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 31 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
They are charging me {$110.00}. At the time when my account was closed, I only owed the minimum of {$40.00} on each card. Amex continues to say that I have returned payments when I recently update my bank to American Express. The bank account is called XXXX. 

Moreover, American Express did not give a good explanation as to why my accounts were cancelled. My credit score was the same for the past twenty four years since I had these cards. I made the payments, on time, each month. I am XXXX, I receive social security and I am self employed. I believe that the ceo of this company is XXXX. They also have different types of relief, at American Express, for people who lost their job, who need help making payments, or whose credit is less than perfect. My credit did not not matter. I was never offered these opportunities. In my case, I did not need help making payments, I was admitted to the hospital in XX/XX/2021, and someone had stolen my credit cards ( wallet ) and they stated hacking my phone number and ruining my accounts. I had no problem with my accounts until XX/XX/2021. I would like to reinstate the accounts. 

American Express wanted to close them for discriminatory purposes. I tried opening a new card and I was not approved. There are other card members, with the same credit score and other financial difficulties but he allows them to stay card members. I had the same problem with XXXX card. Is there a different solution for these two cards? It may prevent me from purchasing a home or buying a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over thirty ( 30 ) days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: Self Financial Inc.
State: FL

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over thirty ( 30 ) days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I requested LVNV & Resurgent Capital to please Not send me any documents. I requested a cease and desist and now they threaten my attorney that they are planning to sue me and saying its fraud, when my letter was a cease and desist request., but they continue to ignore my cease and desist request. LVNV and Resurgent Capital is trying to intimidate me, I request that the CFPB do an investigation and find out how many people or consumers have they also tried to intimidate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I DID NOT AUTHORIZE NOR CONSENT TO THE FOLLOWING INQUIRIES BEING FURNISHED ON MY CONSUMER REPORTS! XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 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 2022-04-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
hello I submitted my first initial dispute on XX/XX/XXXX with Transunion, XXXX, XXXX with no responses or action taken by them the account continues to remain reporting in accurate on my credit report which is effecting my life horribly, the account is below XXXX-acct # XXXX they have been reporting my payment history inaccurate for over 2 years now and will not update, or delete this account i have attached the factual proof of there errors. for example XXXX has been reporting me paying ontime since XXXX of XXXX but XXXX  is reporting CO  on this account for payment history and this account has beenclosed since XXXX this is also a charge off and is still reporting a past due, and reporting payments every single month when this account is charged off. the last paymetn reporting was done by XXXX CO on XXXX of XXXX this year. this is illegal practices on an account that has been closed since XXXX. 

XXXX XXXX - acct # XXXX this account is was paid and full back in XX/XX/XXXX XXXX is reporting derogatory account status when this account was paid if you look in there comments it says PAID settlement accepted. 

XXXX-ACCT # XXXX - this accoutn is reporting inaccurate balance as well, XXXX and XXXX removed this account long ago but Transunion keeps reporting this inaccurate balance and has yet to verify this account with any proof.

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 2022-04-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
hello I submitted my first initial dispute on XX/XX/XXXX with XXXX, Experian, XXXX with no responses or action taken by them the account continues to remain reporting in accurate on my credit report which is effecting my life horribly, the account is below XXXX-acct # XXXX they have been reporting my payment history inaccurate for over 2 years now and will not update, or delete this account i have attached the factual proof of there errors. for example XXXX has been reporting me paying ontime since XXXX of XXXX but experian is reporting CO on this account for payment history and this account has beenclosed since XXXX this is also a charge off and is still reporting a past due, and reporting payments every single month when this account is charged off. the last paymetn reporting was done by Experian CO on XXXX of XXXX this year. this is illegal practices on an account that has been closed since XXXX. 

XXXX XXXX - acct # XXXX this account is was paid and full back in XX/XX/XXXX XXXX is reporting derogatory account status when this account was paid if you look in there comments it says PAID settlement accepted. 

XXXX-ACCT # XXXX - this accoutn is reporting inaccurate balance as well, Experian and XXXX removed this account long ago but XXXX keeps reporting this inaccurate balance and has yet to verify this account with any proof.

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 2022-04-18 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: FL

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 XXXX XXXX XXXX. 
XXXX Accounts below Derogatory Information 1 Account XXXX Date Reported XX/XX/XXXX Creditor Name XXXX Derogatory Information 2 Account XXXX Date Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX Derogatory Information XXXX  Account XXXX Date Reported XX/XX/XXXX Creditor Name 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 2022-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc.
State: HI

Complaint narrative:
My account has been locked with Sofi bank since XXXX and I havent had access to my account since. I want access to my funds immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: TN

Complaint narrative:
According to my consumer report I received dated XX/XX/XXXX and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you XXXX XXXX, or XXXX XXXX such authority. Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX XXXX and XXXX XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : 1. XXXX XXXX, XXXX listed late payments 2. XXXX  XXXX, XX/XX/XXXX listed late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: VA

Complaint narrative:
XXXX XXXX XXXX, account number : 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.

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 2022-04-18 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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