vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Brennan & Clark, Ltd., LLC
State: NY

Complaint narrative:
I was contacted by Brennan & Clark about a debt that they said we owed on XX/XX/XXXX for {$1900.00}. I contacted The XXXX ( the original creditor ) for this and confirmed that the debt was cancelled due to the fact that we never actually proceeded with their services. I replied to the agent at Brennan & Clark on XX/XX/XXXX and provided evidence of this, and included the original creditor on this email chain to help confirm any questions they might have. I never hear back from the original debt collector. Instead my contact was passed to their colleague, who contact me again on XX/XX/XXXX, and claimed that they hadn't heard from me, and insinuated that they had tried everything. I responded on XX/XX/XXXX to both agents, and reiterated that the debt had been cancelled, and I copied the original creditor on my emails and requested again, confirmation that this had been resolved. I've yet to hear back from either of them with a confirmation that this debt has been resolved. Given their town has been both unprofessional and harassing. I've disturbed to not hear back from them that this was resolved. I reached out to both of them again on XX/XX/XXXX, XXXX, and XXXX. They've yet to respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
The company is in violation of my consumer rights as outlined under the FCRA. According to the FCRA, all information on a consumer credit report must be 100 % accurate and verifiable. The company has included fraudulent, inaccurate accounts on my consumer credit file making the min violation of the law. I am a victim of identity theft and have no knowledge of these accounts. I have reported this incident to the FTC and included a copy of the report with this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo sends an email about a negative balance and allows you to bring the account current before XXXX XXXX XXXX, per the email. However it has been on several occasions that I have transferred money into the checking account from my savings and somehow still end up accruing an overdraft fee. What I have been noticing lately is that as I'm using the account I monitor every transaction and transfer money as needed, then when it's the next business day I end up being extremely overdrawn. Over {$150.00} every time. How is that possible if I'm constantly transferring funds to cover almost every transaction. Then when I get paid Wells Fargo takes more of my money. Some how they email me saying I got paid early and my available balance but by Friday online banking shows I'm over {$300.00} overdrawn and it takes those funds from my now posted direct deposit. Something just doesn't make sense how is Wells Fargo taking so much money from me no matter how much I monitor my account. I need every cent of my money as I am currently homeless. I have the emails that show about being overdrawn and having a grace period to bring it current. I am positive that Wells Fargo can access the OLB and see when I've been transferring funds, to show that it's consistent. I have gone to the extreme of turning off and on my debit card to avoid the account overdrawing or something going through when there is no funds to cover it. Although, I am aware that I am 1 of billions of account holders if we can not come to a resolution then I would rather close my account.

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 2024-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: AMERICAN HONDA FINANCE CORP
State: CT

Complaint narrative:
HONDA FINANCIAL REPOSSESSED MY VEHICLE, I PAID ON XX/XX/XXXX A CASHIER CHECK FOR THE FULL AMOUNT THEY REQUESTED, {$10000.00}. I CALLED XX/XX/XXXX, TO ARRANGE PICKUP OF MY VEHICLE, I WAS INFORMED THEY WILLL NOT TAKE MY CASHIER CHECK BECAUSE I WROTE MY ACCOUNT NUMBER ON THE CHECK AT THE TOP NEAR MY NAME. WE WILL CASH YOUR CHECK, AND WHEN IT CLEARS WE WILL SEND YOU OUT A NEW CHECK ON XX/XX/XXXX, AND WE WILL NOT CHANGE THE SALE DATE OF THE CAR SCHEDULED XX/XX/XXXX BECAUSE WE ALREADY CHANGED IT PREVIOUSLY. I DO NOT REMEMBER REQUESTING A CHANGE ON THE DUE DATE AS I PAID IN FULL AS THEY REQUESTED ON XX/XX/XXXXXXXX  WITH AN OVERNIGHT EXPRESS CASHIER CHECK. 
HOW IS IT LEGAL TO POSSESS MY VEHICLE AND MY MONEY, KEEP THE VEHICLE IN STORAGE, CHARGE ME A DAILY FEE THAT SHOULD HAVE CEASED ON XX/XX/XXXX? I REQUESTED TO SEND THE KEYS OVERNIGHT, THEY CUT A KEY AND ARE ADDING AN ADDITIONAL FEE TO THE ACCOUNT. WHEN YOU CONTACT THE PHONE NUMBER YOU WILL BE IN CONTACT WITH A REP THAT IS OF NO ASSISTANCE, ACTS LIKE A ROBOT, I AM SORRY THIS IS OUR POLICY. YOU CAN NOT SPEAK TO A MANAGER, RECEIVE ANY PHONE NUMBER OR EMAIL OR ADDRESS OF CORPORATE, OR A HIGHER LEVEL OF SUPERVISION. THE CASHIER CHECK MUST BE VALID AS THEY CASHED IT AND DEPOSITED IT INTO THEIR OWN ACCOUNT, THIS SITUATION IS TOTALLY UNFAIR AND ILLEGAL, I SHOWED GOOD FAITH BY PAYING IN FULL ON TIME. IF THEY SELL MY VEHICLE WHICH IS WORTH MORE THAN THE {$10000.00}, THEY WILL ADD ON TREMENDOUS AMOUNTS OF FEES, STORAGE, PROCESSING, ETC... AND DEMAND THAT I PAY FOR THIS UNFAIR TRADE PRACTICE THAT HONDA FINANCIAL THINKS THEY WILL GET AWAY WITH. I NEED YOUR HELP IMMEDIATELY, I WANT MY CAR RETURNED TO ME, I WANT ALL THESE EXTRA FEES TAKEN OFF MY ACCOUNT, THEY NEED TO APOLOGIZE FOR THIS HORRIFIC TREATMENT OF ME, THE CONSUMER, AND THEY SHOULD BE FINED FOR KEEPING MY MONEY AND MY CAR.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2024-11-25 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:
You are reporting the wrong balance and payment data for account XXXX XXXX XXXX XXXXXXXX. Please see the attached documents from the creditor and remove this account from my credit report.

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 2024-11-25 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:
You are reporting the wrong balance and payment data for account XXXX XXXX XXXX XXXXXXXX. Please see the attached documents from the creditor and remove this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
Under the fair Credit Act Law 15USC 605B- Request of Debt validation and proof of debt ownership and right to privacy this company has been asked multiple times to provide the requested information and unable to provide Debt Validation and Loan ownership that includes my Wet signature and Verification. This company issued a letter to my home that was not my name or anyone that resides at this address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
The credit reports are report Inaccurate information regarding address linked to several Negative accounts. 
This address was never my address. XXXXXXXX XXXX was my previous address until my current address. 
WrongAddress is as follows XXXXXXXX XXXX XXXX XXXX Ky 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 2024-11-25 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: NJ

Complaint narrative:
I have been noticing that my credit report does not have my correct personal information and this is causing these unknown and inaccurate accounts to appear on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been disputing these fraudulent and inaccurate accounts. In my previous dispute, I also included an FTC, which I am also including in this dispute.

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 2024-11-25 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: NY

Complaint narrative:
I have been disputing these fraudulent and inaccurate accounts. In my previous dispute, I also included an FTC, which I am also including in this dispute.

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 2024-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/year> XXXX misapplied my monthly mortgage payment. I have two loans with them and they applied both payments to one loan instead of properly applying the payments to the accounts due despite the account numbers clearly indicated on the face of the checks.

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 2024-11-25 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: IN

Complaint narrative:
My credit report contains accounts involved in pending litigation, and these are having a negative impact on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: HI

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: HI

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
There were two lines of store credits cards open under my name. All my information was used to open those two-store credit cards ; my name, home address, email, phone number, DOB and social security information. 

I was informed there was a Banana Republic Mastercard under my name by an email received on XX/XX/year> that disclosed the statement and the amount that was owned. The amount owned is XXXX. I informed Barclays that I did not open the credit card line, and they reported it to their fraud department. 

I was informed there was a XXXX credit card under my name by a XXXX representative calling me directly to collect a payment. I am unsure when the calls started but possibly early XXXX. I called XXXX 's fraud department and reported this as a fraud as well.

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 2024-11-25 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: NAVY FEDERAL CREDIT UNION
State: WI

Complaint narrative:
I recently reviewed my credit report and found inaccurate information regarding my Navy Federal Credit Union ( NFCU ) account. Specifically, late payment entries have been reported that do not align with my actual payment history. 

This account is active and in good standing, and I am not requesting its deletion. I am only disputing the erroneous late payment entries. My payment records confirm that this account has consistently been paid on time without any missed payments. I respectfully ask for a correction of this inaccuracy. 

The details of the account are as follows : Account Name & Number : Navy Federal Credit Union - Account # XXXX / XXXX / XXXX Issue : Reported late payments on this account are incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
there was a double payment on my amazon store card. I called and asked them to return one of the payments. They said they could, but to " keep in mind, it will take up to 3 weeks ''. She used this as a tactic to get me to say " you know what, i dont feel like waiting that long, go ahead and keep the money ''. I dont understand why it takes 3 weeks to get my money back, but they take it within seconds.

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 2024-11-25 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: CT

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: CT

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX **To : ** XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX TransUnion XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Formal Dispute of Inaccurate Reporting XXXXXXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing to formally dispute inaccuracies reported on my credit file under the XXXX XXXX XXXX account ( # XXXX ). I believe these errors violate the **Fair Credit Reporting Act ( FCRA ) ** and **U.S. Code 1666b**. Please investigate and correct the discrepancies listed below. 

**Violations Identified : ** 1. **Payment Status Inconsistency : ** - TransUnion lists the payment status as " 60 days past due, '' while XXXX reports " Past due 60 days, '' and XXXX states, " not more than three payments past due. '' This inconsistency is misleading and a potential breach of FCRA 611 ( a ) ( 1 ), requiring accurate and verifiable information. 

2. **Date Discrepancies : ** - The " Date Last Active '' for XXXX ( XX/XX/XXXXXXXX  ) conflicts with TransUnion and XXXX XXXX XX/XX/XXXXXXXX  ). Such inconsistencies violate FCRA 623 ( a ) ( 1 ) ( B ), which mandates data furnishers report uniform and precise information. 

3. **Ambiguous Comments Section : ** - XXXX provides vague commentary that does not align with the other bureaus. Comments such as these can negatively impact my creditworthiness and do not adhere to the FCRAs standards for clarity and precision. 

4. **Payment History Error : ** - XXXX inaccurately reports a late payment ( 60 days past due ) for XX/XX/XXXX, despite my records showing no such delinquency. This late payment notation breaches **15 U.S.C. 1666b**, which outlines creditor obligations to ensure accurate billing information before reporting to credit bureaus. 
**Requested Resolution : ** - Conduct a comprehensive investigation into this account and correct any inaccuracies. 
- Provide written confirmation of all updates to my credit file upon completion of your investigation. 

Under the FCRA, you are required to complete your investigation within 30 days of receiving this letter. If the information can not be verified, it must be promptly removed or corrected. 

Attachments : - Copy of the XXXXXXXX XXXX XXXXXXXX account screenshot. 
- Copy of my government-issued ID and proof of address ( for identity verification ). 

Thank you for your attention to this matter. Please notify me of the results of your investigation at the address listed above. 

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 2024-11-25 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I AM NOT LIABLE FOR THIS DEBT WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I DO NOT HAVE A CONTRACT WITH LVNV FUNDING LLC ; THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT AS REQUESTED. I ALSO SENT LVNV FUNDING LLC A CEASE & DESIST LETTER STATING IMMEDIATELY TO CEASE COMMUNICATIONS CONCERNING THE COLLECTION OF THE DEBT.

Company response to consumer: Closed with explanation