vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Im unaware of this debt, I didn't have a chance to dispute this debt. If you believe you gave me proper notification please send me a certified mail receipt with my signature stating I received this notice. According to 15 USC 1692g I have a right to notice of debt which I never received .LVNV Funding has no right putting a collection on my credit report without sending me out the notice for this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: GA

Complaint narrative:
Merchants is reporting on my Experian credit report and should not because I had two insurance at the time and they did correct it and I was told that it was taken out of collection and I have proof and it has been deleted from my XXXX report and XXXX. Also XXXX is reporting on my Experian report and it should not be because it was deleted from my XXXX report and XXXX 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 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX XXXX Navy Federal Credit Union XXXX XXXX XXXX XXXX, Va XXXX I am XXXX XXXX XXXX and XXXX am writing to bring to your attention XXXX errors in Navy Federals credit reporting that have resulted in my absence from credit reporting and the removal of my credit history despite making timely payments as an authorized user on Card Number/Account Name ending XXXX and XXXX XXXX. As of Date XXXX  XXXX, XXXX. It has been over 30 days since I requested reinstatement, and my credit reporting and credit history remain unchanged. I am providing the following supporting documentation to substantiate my request. I have attached proof of letter, its XXXX pieces of the letter, that letter from my primary account holder confirming my authorized user status : Proof of address and my government issued ID. 

I as authorized user respectfully request that you take immediate action to reinstate my credit reporting and credit history effective XXXX originally when I started as authorized user from XXXX, XXXX XXXX XXXX XXXX XXXX  Please ensure that all future payments are accurately reflected on my credit report from the beginning from XXXX XXXXXXXX XXXX XXXX. Its a Navy Federal Rewards money card with the blue cover, I will also attach a copy of that. If there are any additional steps required from me, please let me know and provide a clear timeline for resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX I am XXXX XXXX XXXX and XXXX am writing to bring to your attention XXXX errors in XXXX XXXX credit reporting that have resulted in my absence from credit reporting and the removal of my credit history despite making timely payments as an authorized user on Card Number/Account Name ending XXXX and XXXX XXXX. As of Date Febraury XXXX, XXXX. It has been over 30 days since I requested reinstatement, and my credit reporting and credit history remain unchanged. I am providing the following supporting documentation to substantiate my request. I have attached proof of letter, its XXXX pieces of the letter, that letter from my primary account holder confirming my authorized user status : Proof of address and my government issued ID. 

I as authorized user respectfully request that you take immediate action to reinstate my credit reporting and credit history effective XXXX originally when I started as authorized user from XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Please ensure that all future payments are accurately reflected on my credit report from the XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Its a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will also attach a copy of that. If there are any additional steps required from me, please let me know and provide a clear timeline for resolution.

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 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX I am XXXX XXXX XXXX and XXXX am writing to bring to your attention XXXX errors in XXXXXXXX XXXX credit reporting that have resulted in my absence from credit reporting and the removal of my credit history despite making timely payments as an authorized user on Card Number/Account Name ending XXXX and XXXX XXXX. As of Date XXXX  XXXX, XXXX. It has been over 30 days since I requested reinstatement, and my credit reporting and credit history remain unchanged. I am providing the following supporting documentation to substantiate my request. I have attached proof of letter, its XXXX pieces of the letter, that letter from my primary account holder confirming my authorized user status : Proof of address and my government issued ID. 

I as authorized user respectfully request that you take immediate action to reinstate my credit reporting and credit history effective XXXX originally when I started as authorized user from XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Please ensure that all future payments are accurately reflected on my credit report from the beginning from last year until now. Its a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will also attach a copy of that. If there are any additional steps required from me, please let me know and provide a clear timeline for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX I am XXXX XXXX XXXX and XXXX am writing to bring to your attention two errors in XXXX XXXX credit reporting that have resulted in my absence from credit reporting and the removal of my credit history despite making timely payments as an authorized user on Card Number/Account Name ending XXXX and XXXX XXXX. As of Date XXXX  XXXX, XXXX. It has been over 30 days since I requested reinstatement, and my credit reporting and credit history remain unchanged. I am providing the following supporting documentation to substantiate my request. I have attached proof of letter, its XXXX pieces of the letter, that letter from my primary account holder confirming my authorized user status : Proof of address and my government issued ID. 

I as authorized user respectfully request that you take immediate action to reinstate my credit reporting and credit history effective XXXX originally when I started as authorized user from XXXX, XXXX XXXX XXXX XXXX XXXX Please ensure that all future payments are accurately reflected on my credit report from the beginning from last year until now. Its a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will also attach a copy of that. If there are any additional steps required from me, please let me know and provide a clear timeline for resolution.

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 2024-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Stellantis Financial Services US Corp.
State: IL

Complaint narrative:
In XX/XX/year> I contacted the company to request that they change my address and mail me paper statements. The company did not change my address or mail me paper statements. I noticed that I had almost two years of late payments on my credit report. When I contacted the company I was informed they never changed my address. The company 's failure to send me statements resulted in late payments on my credit report and me paying XXXX XXXX dollars in late fees.

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 2024-06-08 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: VA

Complaint narrative:
I have identified several discrepancies in my credit reports from Equifax, XXXX, and XXXX concerning multiple collection accounts. These accounts are reporting different date opened dates across the credit bureaus. This inconsistency is negatively affecting my credit score and my ability to obtain credit. Below are the details of the accounts : 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 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 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: CA

Complaint narrative:
XXXX XXXX for account reported to My credit report as collection of {$3700.00}. This identity theft reported to my account this morning. They also said that I open this account on XX/XX/year>. I want to know was it a loan a line of credit or what? Show me documents with my signature and anything showing that I receive money. I dont have any knowledge of this company at all.

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 2024-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
In XX/XX/year> I was applying for apartments while I was in the hospital due to an emergency move. I found a landlord that I thought was credible and sent them all of my personal information to apply for a property. I paid the landlord through XXXX for the deposit and sent them all of my personal records. They asked for my Cash App information, and I refused to provide it due to knowing that there is not much protection through cash app. 
The following week I discovered after leaving the hospital that there were XXXX or more fraudulent transactions totaling {$1600.00}. I also learned that the landlord that was posing as a legitimate property manager was an international scammer. I contacted XXXX and the immediately reversed the payments that were sent to the scammer because they could tell that it was a scam account. When I cash app the {$1600.00} in transactions, I advised I needed them to reverse it and investigate. I attempted to work with them directly through their customer chat and also escalated it to management, but every response that I received seemed like it was an AI response and didnt knowledge anything I was telling them. I offered to send all of the documentation that supports that this was fraud, and their management team kept insisting that there was nothing they could do to investigate and that they were not required to investigate. XXXX XXXX XXXX complaint was filed was filed after trying to work with Cash App directly for several weeks. Cash App refused to cooperate with XXXX XXXX XXXX suggestions to credit me and I received a notification from the XXXX XXXX XXXX  that I should seek legal action or file a further complaint to the Bureau to investigate as they can not force their hand even if they establish that they are wrong. I have tried working with Cash App since then, even after closing the XXXX XXXX XXXX  complaint. I have been attempting to see who overseas Cash App as it appears They are in hot water for failing to protect consumer information And for being part of international scam schemes. I discovered that the CFPB overseas them and I would like if you could step in and try to assist me and getting the funds back that were fraudulently taken from an international scam ring. All of my other banks that are involved in this that have been targeted due to the international fraud have credited me except for cash app. It has put my identity at risk and I am in the process of changing my socials due to all of my banking information being breached. I would really appreciate if somebody at the department could assist me as my husband is XXXX XXXX and is created a huge strain on our family During an difficult time of an emergency move.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: CA

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 15 USC 1681. 

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 2024-06-10 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: TX

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-08 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: CA

Complaint narrative:
Negative reporting from furnishers of credit were not authorized by me. I have been derailed and deceived by their outsourcing employees. There's is no resolution in dealing with the ignorant people at XXXX who continue to robotically repeat the same tactics of stalling and deliberate and irresponsible reporting that has hurt my financial situation and has affected my employment as a government agency employee. I will be contacting an FCRA attorney for enforcement however I desire the CFPB to follow up with these predators.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Negative reporting from furnishers of credit were not authorized by me. I have been derailed and deceived by their outsourcing employees. There's is no resolution in dealing with the ignorant people at XXXX who continue to robotically repeat the same tactics of stalling and deliberate and irresponsible reporting that has hurt my financial situation and has affected my employment as a government agency employee. I will be contacting an FCRA attorney for enforcement however I desire the CFPB to follow up with these predators.

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 2024-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Sir : I have a membership with Experian Credit watch : I have been in good standing with them for a long time and have an auto debit for my monthly membership fees. Well on XX/XX/year> which will clear on XX/XX/year> they took {$21.00} out of my account. I called them about it and they said they would take care of it and refund the money. I thought it was taken care of but today I checked my Bank Account and they took another amount of {$17.00}. Sir this is not the first time. This has happened in the past. I want money back I'm a XXXX XXXX XXXXXXXX veteran and live on a budget. They are suppose to protect against money rip off deals and here they are doing it. This can not stand. I demand my funds back and then and only then I will consider if I stay with them or not. 

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 monetary relief
Consumer complaint received 2024-06-08 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: VA

Complaint narrative:
I am writing to dispute several inaccuracies in my credit report. I have identified multiple accounts with errors related to payment history, balance accuracy, debt validation, and discrepancies in the date of last payment or activity. Despite my efforts to resolve these issues directly with the credit bureaus, they remain uncorrected. I request that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure a thorough investigation and resolution of these discrepancies. The following accounts are in dispute : Equifax Accounts 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have requested the credit bureaus provide the complete payment histories , validate debts, verify balances, and correct discrepancies in dates of last payment or activity. Additionally, I have asked for the removal of any charge-off or collection remarks where applicable. I seek CFPB 's assistance in ensuring these errors are corrected promptly to reflect a fair and accurate credit report.

Company response to consumer: Closed with non-monetary relief