vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COLLECTIONS USA, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt 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 have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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 am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : 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 Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 2024-10-06 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 am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : 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 Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 2024-10-06 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 am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 2024-10-06 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: IN

Complaint narrative:
Subject : Dispute Regarding Inconsistent Reporting of Charge-Off on Credit Reports Dear CFPB, I am writing to formally dispute the reporting of a charge-off by XXXX on my credit report XXXX Upon reviewing my credit reports from all three major credit bureausXXXX, XXXX, and TransUnionI noticed a significant inconsistency in the information being reported. 

On my XXXX report, the charge-off from XXXX was deleted and no longer appears on my record. However, both XXXX and TransUnion have discrepancies in their reporting. XXXX and TransUnion do not report this charge-off that was supposed the be deleted at all, which raises concerns about the accuracy and inconsistency of the information being provided. 

The inconsistency in reporting by the credit bureaus violates the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies must maintain the accuracy of the information reported. This situation demonstrates that the information provided by the credit bureaus is not accurate or consistent across all platforms.

Since all three reports stem from the same creditor and relate to furnisher, it is unreasonable for such conflicting information to exist. I believe this inconsistency is damaging to my credit profile and does not reflect accurate reporting. Therefore, I am requesting that the inaccurate charge-off information be removed from all credit reporting agencies immediately, as it is either misrepresented or inconsistently applied.

Please investigate this matter and take the necessary steps to ensure that my credit reports reflect accurate and consistent information in compliance with the FCRA. I look forward to a resolution and prompt correction of this issue.

Thank you for your attention to this matter. If you require any additional documentation or information, please do not hesitate to contact me. 
ps : i will attach the evidence Sincerely, 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 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
This the XXXX time Ive been complaining about unauthorized inquiries on my credit report. XXXX XXXX has 3 inquiries that are showing no my credit report and due to there data breach has been causing me problems. According to 15 USC 1681 ( I ) I have a right to privacy. This should not take this long to get resolved. Its not mine and doesnt belong to me. Please remove 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 2024-10-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I am writing about Navient again. I had sent an original complaint in XXXX and the company responded with balance not reflecting my payments due to forbearance, etc.

It also looks now like Im interest rate is a lot higher than it had originally been.

I feel strongly that they miss appropriated payments, etc.

Now it looks like they sold my loan to XXXX at the higher interest rate. 

I guess I am very confused how this can be allowed. 

I had called to refinance and also called to remove co-signer, kept getting turned down. My XXXX  is a XXXX  who had to consign for me and its still on his credit! He is livid I had taken out {$5000.00} in XXXX and Ive made over XXXX payments and still have a balance of {$4200.00} What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CarMax, Inc.
State: DE

Complaint narrative:
I went to Carmax last year in XXXX of XXXX. I purchased a used XXXX XXXX XXXX, and I had issues with the vehicle since a month in having the car. I kept getting the run around on the issues I was having, I also found out codes were cleared from the car leaving me responsible for hidden issues, and the car salesman did not honor my need to not have a car where I am upside down on my loan or any issues that would cost me soon rather than later. It was a dishonest transaction with no heads up that I would be upside down in my loan. I tried to refinance the car, I was told of the negative equity and they demanded that I just get another car and have two payments. I can not afford two vehicles right now. Im upset that in order for me to get upside gown on my loan option they have is to pay more. But they are not applying my payments to the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: NM

Complaint narrative:
XXXX incorrectly reporting information that should have been removed several months ago. I intaially filed a compliant here with cfpb after many disputes and several years with no results. Cfpb immediately got a response including a letter from upper management explaining that they would stop reporting now that they had sold to collections. The company is mountain America credit union. I'm not sure why months after this letter they still have lived up to their word. But I'm angry with XXXX now because their dispute process it automated completely. Not even flagging a human in situations like mine. So they investigated?,!! How dare they?? They send auto request to macu, who tells the automated system no this is correct. And they close the dispute and didn't even notify me!!! HELLO!!! XXXX!!! GET THIS OFF MY REPORT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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:
To delete and remove Account # { XXXX ] number with { XXXX } for {$1400.00}.

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 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To delete and remove Account # { XXXX ] number with { XXXX } for {$1400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX RE : XXXX  Block Request Dear Sir or Madam, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX  : I have attached the following documents to support my request : In accordance with Section 605C of the Fair Credit Reporting Act ( FCRA ), I request that you c onduct a thorough investigation of these items and remove them from my credit report. Ple ase provide me with a copy of my updated credit report once the investigation is complete.

Thank you for your prompt attention to this matter. 
Sincerely, Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Proof of identity Documentation proving my status as a survivor of 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 2024-10-06 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: IL

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and it you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 109 1. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v.

Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

Delete these items immediately XXXX XXXX Date opened XX/XX/XXXX Balance {$9800.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}

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 2024-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I received a payment via Venmo of {$1100.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX - transaction ID XXXX - as payment to rent my timeshare at XXXX XXXX XXXX from XXXX as advertised on XXXX 

The resort ( XXXX ) has a long list if typical amenities listed including internet service. It is in a well known location in the XXXX XXXX at approx XXXX ' elevation. 

XXXX checked in on XX/XX/XXXX. Late on the XXXX day of this stay ( XXXXXXXX XXXX on XX/XX/XXXX ) he contacted me for the first time indicating that the internet was not working well ( and/or art all ) for him. I responded immediately - checked with the front desk, other friends staying at the property and XXXX XXXX. All reported that there was no internet outage. ( I stayed there myself from XXXX and experienced no internet issues ). 

Nonetheless, XXXX was insistent that his internet was not working properly. I provided a variety of nearby local suggestions where free internet was available ( rec center, library, XXXX, etc ). He indicated these were unacceptable and that he would be leaving and wanted a refund. I reminded him that the posted check out time was XXXX and told him to confirm when he had left and had returned the week long use beach card he had been issued at check in ( as required ) so that I could have the unit cleaned and could post the remainder of the week for rent at which time I would issue a partial refund. 

I never heard from him again. I contacted the manager who reported that he did not leave until 2 days later ( XX/XX/XXXX ) and after check out time- so a 6 day stay of 7. He also used all the beach passes and failed to return the card as required. 

Dispute XXXX was filed on XX/XX/XXXX - XXXX months after payment and almost 2 months after check out. Venmo has frozen my account & apparently sent the entire rental payment back to XXXX, despite saying this doesn't qualify for purchase protection for the buyer. It's impossible to reach a CSR in person. They indicated the buyer 's credit card company decides what happens and offer me no protection against this attempted fraud as implied. This person stayed 6 days and used all services/amentities of my condo and is attempting to do so for free because he allegedly couldn't get internet to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have had 2 credit cards with Navy Federal since XXXX. In XX/XX/XXXX, I was XXXX XXXX XXXX XXXX until XX/XX/XXXX. When I came home I found out that Navy Federal had sent me to collections for both credit cards I had with them. Before I was XXXX I had paid off both of the cards and had zero balance. Navy Federal sent me copies of my statements from XX/XX/XXXX to XX/XX/XXXX. 

There were charges on the account after XX/XX/XXXX. I informed Navy Federal and disputed those charges stating that I wasn't the one making those charges because I was XXXX which makes it impossible to make those charges. Some of those charges were to XXXX and XXXX. 

On XX/XX/XXXX I filed my dispute with Navy Federal, which they received certified mail with return receipt on XX/XX/XXXX, In the dispute, I provided them a sworn fraud affidavit, copy of a XXXX XXXX police report, a copy of the identity theft report to the FTC, XXXX XXXX XXXX XXXX XXXX from the central district of California federal court showing that XXXX XXXX XXXX XXXX XXXX XXXX, a copy of my time computation from the federal bureau of prisons to show proof of XXXX 

On XX/XX/XXXX, Navy Federal deducted {$1000.00} and applied it as payment to the dispute account ( XXXX ) without my permission. 
I received a letter from Navy Federal regarding the two accounts on XX/XX/XXXX. It states that they have concluded that I am responsible for the full amount of {$970.00} and XXXX. 

They did not provide information as to whether I am the one that made the charges. I am not responsible for the fraudulent charges because the dates of those transactions where when I was XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation