vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-12 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:
Improper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681. 
In accordance with the fair credit reporting act convergent account XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # : XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # : XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
To whom it may concern, I am writing to formally address a critical issue I have experienced as a loyal Navy Federal Credit Union member for the past XXXX years. Despite my long-standing membership, I have consistently been subjected to overdraft fees, which have repeatedly left my account in a negative balance. This situation has had severe financial consequences for me, compounded by significant emotional distress. 

I have observed that Navy Federals delayed processing times frequently result in inaccurate balance reflections. On multiple occasions, after a transaction has posted and depleted my available funds, Navy Federal has reversed payments I have made, resulting in missed payments, additional credit card fees, and further damage to my financial standing. This cycle perpetually leaves my account in the negative, often pushing me into debt as a direct result of my reliance on this account for direct deposit. 

Due to these recurring deficits, I am now unable to pay prior bills or make timely future payments. This ongoing issue requires immediate resolution to prevent further financial harm. I urge Navy Federal Credit Union to address and rectify these processing delays and consider the compounding impact of repeated overdraft fees. 

I look forward to a prompt response and a solution to this pressing matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi There, I was reaching out in regards to a collection posted on my credit report. Even though this accounts were posted wrongly & inaccurately. I paid the full amount to the collector. So, it can be removed from report while am having a legal team do their investigation why this happened. 

After I paid the full amount, the collector agreed to send a letter / notification to all XXXX credit agencies. Inducting, the account is fully paid and this report trace to be deleted of - off my credit report.

However Experian is not updating this information. Currently Im not able to login to my account. And no luck on connecting to their customer support either.

Since Im unable to reach out to them or connect to their customer support team. I was wondering if you can help me, and tjis to be updated. 

Also Experian seem to report there is no address verification for me. I found out this when I applied for a home & trying to finance goods. 

Currently am not able to get a home approved. Or any financing.. this is causing a lots of problems for me and my family. I hope to get your help and resolve this quickly. I appreciate your time. Thank you. 


Creditor - information XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, WA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX MONDAY-FRIDAY XXXX TO 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 explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Wilber and Associates, P.C.
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a phone call from the XXXX XXXX informing me that I owe {$100000.00} for a fender bender that occurred a year ago. Despite the fact that no one was injured in the accident, the insurance company has paid out the claim, and their debt collectors are attempting to recover the funds. When I requested proof of liability, they informed me that they can not provide it because it is a medical claim, and they are currently denying my request for proof. Additionally, they threatened to lien my insurance and license. 
I am seeking assistance to prevent the payment of funds that are not mine. I would like the collection attempts to cease until they provide proof of liability. Furthermore, I request that they refrain from contacting my family during work hours. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-11-12 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: CT

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-11-12 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: AZ

Complaint narrative:
Upon reviewing my credit report, I discovered several erroneous entries. The XXXX credit bureaus are legally obligated to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is completely unacceptable to treat this reporting accounts as unverifiable without providing proof within the required legal timeframe. I demand that you investigate the unverifiable accounts listed below in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX Balance : {$850.00} XXXX  XXXX XXXX Balance : {$580.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}

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 2024-11-12 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: AZ

Complaint narrative:
Upon reviewing my credit report, I discovered several erroneous entries. The XXXX credit bureaus are legally obligated to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is completely unacceptable to treat this reporting accounts as unverifiable without providing proof within the required legal timeframe. I demand that you investigate the unverifiable accounts listed below in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX Balance : {$850.00} XXXX  XXXX XXXX Balance : {$580.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
Ive contacted them numbers of times XXXX XXXX XXXX XXXX XX/XX/year> Ive contacted and spoke with representatives asking for a validation of debt letter. As I view the account payment summary it shows on time payments were made in XXXX XXXX, XXXX, and XXXX shows C as in collection which is inaccuracy on experian credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me XXXX XXXXXXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Having an available balance XXXX XXXX XXXX XXXX XXXX XXXX  being charged overdraft fees

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: EQUIFAX, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: FL

Complaint narrative:
I am writing to dispute the reporting of a late payment on my credit report. I have contacted the banks regarding this late payment, and they have approved updating the account to " open or closed/never late. '' The banks have acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. According to the Fair Credit Reporting Act, I am entitled to an accurate credit report 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 explanation
Consumer complaint received 2024-11-12 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: NY

Complaint narrative:
I am writing to dispute the reporting of a late payment on my credit report. I have contacted the companies regarding these late payments, and they have approved updating the accounts to " closed or open/never late. '' The companies have acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. 
According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: NY

Complaint narrative:
I am writing to dispute the reporting of a late payment on my credit report. I have contacted the companies regarding these late payments, and they have approved updating the accounts to " closed/never late. '' The companies have acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681cXXXX and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. 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

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 2024-11-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I reviewed my credit report and noticed Capital One is reporting XXXX XXXX which I don't recall ever having an account with this company and request to have this remove for my report, XXXX XXXX shows paid closed on XX/XX/year> and the account is showing closed/never late balance of {$190.00}, It's just very confusing

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Every time I attempt to use my debt card at XXXX XXXX XXXX XXXX XXXX Wells Fargo decline my transaction due to insufficient funds. Although the email I get shows they are trying to get {$1.00} and there will be over {$150.00} in the account. I have called Wells Fargo numerous times, and they blame everyone and everything but themselves and I have no other problems with my other debt card at XXXX XXXX XXXX nor my 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 explanation
Consumer complaint received 2024-11-12 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: TX

Complaint narrative:
PLAINTIFF : XXXX XXXX XXXX DEFENDANT : TRANSUNION XXXX # XXXX BONDED MUST BE REVIEWD BY A HUMAN MUST BE REVIEWED BY A HUMAN VIA XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX DEAR DEFENDANT XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX MY XXXX NAME READS XXXX XXXX XXXX XXXX MY XXXX ADDRESS READS : XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX MY DOB READS : XX/XX/XXXX MY SSN LAST XXXX READS : XXXX My XXXX & Last MIDDLE name are as follows : XXXX XXXX XXXX My XXXX XXXX Address is as follows ; : XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and ACCURATE information on my credit report per FCRA regulations 15 USC 1681a and I demand, as my lawful right, for any names and addresses other than what I have listed above and below be removed immediately as they are not accurate and untrue, My First & Last name are as follows : XXXX XXXX XXXX My Current Street Address is as follows : XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX After you have completed my request, please send me a copy of my credit report reflecting these changes. My current address is XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX TRANSUNION YOUR COMPANY IS SETTING ME UP FOR IDENTITY THEFT FRAUD PRIVATE AND PUBLIC FRAUD IF MY MAIL FROM YOUR COMPANY ENDS UP IN THE HANDS OF A SCAMMER XXXX WILL BE LIABLE AND I WILL SUE FOR NEGLEGANCE! DELETE ANY NAMES ADDRESSES THATS NOT IN THIS LETTER THAT TRANSUNION IS HOUSING ON YOUR PLATFORM! FIRMLY, XXXX XXXX XXXX UCC1-308 WITHOUT PREJUDICE

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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My social security number has been is several data breaches. As a result or during this time period, an address appeared on my credit report from Texas. I have never lived in Texas.

Company response to consumer: Closed with non-monetary relief