vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: NY

Complaint narrative:
Subject : Violation of Rights Under FDCPA and Request for Removal of Debt from Credit Report Dear XXXX XXXX, Thank you for your response to my complaint. However, based on the circumstances described my rights under the Fair Debt Collection Practices Act ( FDCPA ) have been violated, specifically regarding the failure to provide a timely validation notice as required by law. 

Under 15 U.S.C. 1692g ( a ), debt collectors are required to provide a written validation notice within five days of their initial communication, detailing the amount of the debt, the name of the creditor, and the consumers right to dispute the debt. Since I did not receive this notice in a timely manner, my right to dispute the debt within the 30-day period under 15 U.S.C. 1692g ( b ) has been unlawfully impeded. 

As a result of this violation, I am requesting the immediate removal of this debt from my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), once a debt is disputed and found to be unverifiable, the furnisher ( in this case, NRA Group , LLC ) is required to notify all credit reporting agencies and delete the information. Additionally, because the validation notice was not properly sent, this debt is unverified, and continuing to report it would constitute a violation of both the FDCPA and the FCRA. 
Furthermore, according to the Consumer Financial Protection Bureau ( CFPB ) guidelines, failure to follow these procedures could expose NRA Group , LLC to liability under 15 U.S.C. 1692k, which provides consumers the right to recover damages for violations of the FDCPA.

Given that my right to dispute the debt has been violated, I expect that you will : 1. Immediately remove this account from all credit reporting agencies. 
2. Cease any further collection activity until proper validation is provided in accordance with the law.

3. Confirm in writing that the debt has been removed from my credit report and provide proof of notification to the credit reporting agencies. 
Please address these issues promptly, as further violations of my rights may result in legal action to enforce my protections under the FDCPA and FCRA. 
Sincerely, XXXX XXXX This letter highlights violations of FDCPA ( 15 U.S.C. 1692g ( a ), 1692g ( b ) ) and FCRA ( 15 U.S.C. 1681s-2 ( b ) ) and reinforces the legal requirement to remove the debt from your credit report due to the lack of proper validation.

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 2024-09-17 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: NAVY FEDERAL CREDIT UNION
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I am writing to dispute a car loan account associated with my name, specifically account number [ XXXX ] in the amount of {$30000.00}. Date opened, XX/XX/year> due tq identity theft. I have recently discovered that this loan was fruadulemtly opened in my name without my authorization. Additionally, i have not signed a promissory note or any other documentation related to this loan. 

As a victim of identity theft, i am exercising my right under The Fair Credit Reporting Act ( FCRA ), The Fair Debt Collection Practice Act ( FDCPA ) and The Identity Theft and Assumption Deterrence Act ( ITADA ). these laws protect individuals against fruadulent activities and incorrect credit reporting. Specifically, these statues entitle me to dispute unauthorized accounts and demand the removal of such fruadulent entries from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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: CA

Complaint narrative:
I am writing to formally submit a complaint regarding fraudulent accounts and charges that have appeared on my credit report as a result of identity theft. I have already filed an identity theft report with the relevant authorities and would like to put your bureau on notice regarding these fraudulent activities. I am requesting the following actions : Immediate investigation into the unauthorized accounts and inquiries. 
Removal of any and all accounts or debts that I did not open or authorize. 
A security freeze or fraud alert placed on my credit file to prevent further unauthorized activity. 
Updates on the status of your investigation and resolution within the required time frame. 
Enclosed with this complaint are copies of my identity theft report, a government-issued ID. 

I trust that your bureau will promptly address this matter and take appropriate measures to protect my credit profile.

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 2024-09-17 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: CA

Complaint narrative:
I am writing to formally submit a complaint regarding fraudulent accounts and charges that have appeared on my credit report as a result of identity theft. I have already filed an identity theft report with the relevant authorities and would like to put your bureau on notice regarding these fraudulent activities. I am requesting the following actions : Immediate investigation into the unauthorized accounts and inquiries. 
Removal of any and all accounts or debts that I did not open or authorize. 
A security freeze or fraud alert placed on my credit file to prevent further unauthorized activity. 
Updates on the status of your investigation and resolution within the required time frame. 
Enclosed with this complaint are copies of my identity theft report, a government-issued ID. 

I trust that your bureau will promptly address this matter and take appropriate measures to protect my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: TX

Complaint narrative:
Call to make arrangements about high interest rate been paying on this loan almost XXXX years and the balance Is still the same as it was when I took the loan out in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Formal Dispute of Unauthorized Multiple Credit Inquiries and Request for Removal and Compensation Dear Sir or Madam, I am writing to formally dispute unauthorized multiple inquiries on my Experian credit report. Despite an identity theft alert in place, your agency allowed companies such as XXXX XXXX  to make repeated inquiries in short intervals, drastically affecting my credit score and preventing me from securing housing and other credit. This has caused me significant emotional and financial distress. 

Violation of Rights : Your actions are in violation of the Fair Credit Reporting Act ( FCRA ), including : Section 605B : Identity Theft Protection Section 1681i : Duty to investigate disputes Section 1681b : Permissible purposes for pulling credit Section 604 ( a ) ( 2 ) : Redundancy in inquiries

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 2024-09-17 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: TX

Complaint narrative:
I have made repeated efforts to resolve the issue of false, inaccurate, and misleading information on my consumer report, but the problem persists. These erroneous entries have severely disrupted my life, leading to considerable distress. I must emphasize that I never gave permission for this information to be linked to my identity, as I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I reached out to Equifax back on XX/XX/XXXX. And they have yet to remove an error thats on my credit report. There is a company by the name of XXXX XXXX XXXX which was open back on XX/XX/XXXX. Which makes this account XXXX and XXXX  months old why are you still reporting this on my credit report and refusing to remove it. Equifax is the only credit bureau that is reporting this on my credit the other XXXX credit bureau have removed this item off of my report. By law every credit bureau is supposed to have the same information on my report. Equifax by law have 30 days to give me proof or information on why this account is still on my credit and they have filed to do so and have been over 30 days. On XX/XX/XXXX Equifax sent me a letter asking me for a copy of my Id and XXXX and etc. what do that have to do with my complaint on why this company is still on my credit report and it have been over XXXX years. And online on my credit report from what I can see it say No Data Available meaning this company is not even reporting anything so why is this still on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: MI

Complaint narrative:
I received notification that my account was being restricted because a transfer was denied from a deposit I had requested. I had over {$1000.00} at that time. The transfer the triggered the ( absolutely unnecessary restriction which they have done previously for unnecessary reasons ) was for {$1000.00} as a deposit to SoFi. I also made transfers to fund this savings account that went through just fine even though they placed FIVE day holds on these transfers although they have received transfers at my bequest to fund my account successfully many times before. 
Altogether there was nearly $ XXXX in this account by the XXXX ( not including the transfer that did not work ) and over $ XXXX on the XXXX when a scheduled payment of my XXXX credit card came through on the XXXX. Importantly, in my communication with SoFi, I explicitly stated they were to honor my payments- at least with the money that was already there for quite some time. 

Importantly, I received an email on XX/XX/year> that the restriction had been resolved ; however, I received an email on the XXXX that they had denied payment of my XXXX card for $ XXXX. This bank is incredibly inept. Absolutely no one in this bank knows what is going on or what is happening or why it is happening. Each time that this happens, the customer ( myself ) must speak to numerous customer service representatives who do not know anything. 

I received a return fee from XXXX for {$29.00}. SoFi needs to pay this amount OR I have provided them an address for XXXX that they can send a letter explaining what they did with my account and their inappropriate refusal to honor the payment requested. I want this done STAT. I am disgusted with this bank. I asked them for this today after - about providing the letter - after they refused to pay the {$29.00} last week. They are totally responsible for this mess. 

As to why that one deposit did not work? Apparently, SoFi bank refused that other banks PLAID connectionmeaning that I can send money from my SoFi account but because they refused the method of connecting they will not send money to SoFi. Every single problem begins with SoFis ineptness. Furthermore, when any other bank has something go wrong, they contact you. They reverse it. Whatever. They do not freeze your account and hold YOUR MONEY hostage and then provide representatives who are clueless in resolving the issue for days on end. I urge anyone to not bank with these people. There are banks who provide better interest and MUCH BETTER service. They disrespect you, repeatedly.

The address for this letter which MUST be on SoFi letterhead is XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX This request and address is also in the emails that I have attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive tried contacting this company several times through mail and CFPB and nothing gets rectified. They keep saying theyve done a full investigation and I keep putting the same numbers back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: FL

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2024-09-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: MI

Complaint narrative:
On XX/XX/year> I had two unauthorized transactions and asked for a replacement card and my money back and they haven't been helpful or even responded to any of my complaints

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
[ XXXX XXXX [ XXXX XXXX XXXX XXXX [ XXXX, Ny, XXXX XXXX ] [ Transunion ] [ XXXX XXXX XXXX [ PA, XXXX, XXXX Re : Inaccurate Hard Inquiry on My Credit Report I am writing to dispute an inaccurate hard inquiry on my credit report. I have reviewed my credit report and found an unauthorized inquiry from Transunion dated XX/XX/year>. I did not authorize this inquiry, and it should be removed from my report. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681n ), you are required to ensure the accuracy of the information you report. Inaccurate reporting can result in civil liability for willful noncompliance. I request that you investigate this matter and remove the inaccurate inquiry 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 2024-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: United PanAm Financial Corp.
State: NJ

Complaint narrative:
I became late on my payments and when I tried to make a payment online as I have always made this way, has now been removed. When I reached out to them via email on several occasions the only option that was given was to call. Ten times a day I get a link via email to make a payment and then the link tells me call. I can not call at this time as I am out of the country and I have let them know this on multiple occasions and still the only solution they give is for me to call to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2024-09-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: MoneyLion Inc.
State: CA

Complaint narrative:
M

oneylion has been charging me member fees and credit builder loan fees multiple times per month on several different accounts simultaneously. They are reporting me to the credit bureaus as being delinquent even though they are receivi

ng three to four times the monthly payment if not more. I reached out to them and I was told all they could do was end my loan early which would cause a charge off on my credit report. I have bank records of all the transactions proving the charges all went through and were completed multiple times per month on at least three different a
ccounts per month. Moneylion ( among a few others ) is falsely reporting to the credit bureaus that I am delinquent as well as threatening to create a charge off for complaints all of which is making it impossible for me to rent an apartment so that my son and I can leave my abusive husband. This is absolutely criminal on a lot of levels. I have more records of the charges available on request. I was only able to attach a couple.

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