vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-23 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: IL

Complaint narrative:
My decision to exercise my rights under the provisions of 15 USC 6802 of the GRAMM-leach Bliley Act ( GLBA ) regarding the sharing of my nonpublic personal information. 

I hereby formally opt out of any and all authorizations.

Whether written, unwritten, verbal, or non-verbal, that I may have previously given to your institution for the sharing of my non public, personal information with non-affiliated third parties including the consumer reporting agencies for any purpose. 

I wish to exercise my rights to safeguard the privacy and security of my personal information and to restrict its sharing with third parties, particularly for marketing or other purposes not directly related to the financial services I have with your institution. 

documents are attached below

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
After reading the XXXX XXXX, XXXX XXXX XXXX XXXX article about Capital One Financial 's deceptively low interest rates on existing 360 Savings accounts, I realized that this situation applied to me! 

My longstanding Capital One 360 Savings account, which held more than {$150000.00}, was earning a measly 0.3 % in interest ... while the new 360 Performance account was paying a 4.35 % interest rate. I immediately opened a 360 Performance account and transferred all the money in my 360 Savings account. 

If not for this article, I would not have realized that Capital One had been ripping me off on interest while paying new customers much, much more. I'm irked that Capital One has shorted me, a loyal customer, on interest while offering a lucrative rate to attract new clients -- and that they failed to treat me as well as they treat prospects. 

The statement that Capital One 's retail bank president ( XXXX XXXX XXXX ) provided to the XXXX rang hollow to me : She said the Performance Savings accounts are marketed widely and available to anyone. Well, I had no idea that I could have been earning significantly more interest had Capital One given me the same rate it gave to new customers. 

I'm planning to find a new bank, one that will treat me with more appreciation and respect for my business. 

I'd be happy to provide any additional information you might need. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: FL

Complaint narrative:
In accordance with the Fair Reporting act XXXX  # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
I've already provided proof to remove these accounts successfully with other credit bureaus, yet they still appear on your report, harming my credit. It's confusing and unacceptable that your bureau continues reporting these accounts, violating my rights under the Fair Credit Reporting Act and affecting my financial stability. XXXX XXXX XXXXXXXX and XXXX ( Original Creditor : 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 2024-01-23 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: MO

Complaint narrative:
I am not liable for this debt with regional finance. I do not have a contract with XXXX XXXX XXXX. I have never recieved original contract bearing my wet ink authentic signiture nor have i received a XXXX for tax purposes from such creditors.

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 2024-01-23 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: VA

Complaint narrative:
Hello Sir/Madam, I have noticed a debt collection entry on my credit report claiming I owe XXXX {$500.00}. Despite contacting XXXX XXXX they confirmed I owe nothing. This discrepancy has impacted my credit score for over a year. Your assistance in resolving this matter is greatly appreciated, as it hinders various aspects of my life. Thank you in advance.

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 2024-01-23 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: MI

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Today, XX/XX/XXXX, I received a phone call from a woman named XXXX regarding midland credit management regarding XXXX Bank. I wanted to work out a plan because they sent me a letter stating they were going to sue me. I already have garnishments coming out of my pay for another debt, I tried to explain to the woman that I just had an emergency move, and I had to come up with so much money to move me and my children that I literally did not have XXXX dollar to my Name, she continued to tell me that I would be sued and unless I made an arrangement, there was nothing she could do. There was no way she could help me. I literally told her I was on the verge of suicide because of these constant threats I understand owing the money, however I can not give something I dont have. I am a single mother with XXXX children, taking care of them alone I have other personal things in life going on one being the emergency move I just had to go through and all of this is very overwhelming. In the past when I had the credit card debt, I was trying to make as many payments as I could towards the credit card but if financially, it got too much for me having XXXX children, there were times at my job or my hours were lowered, so I wasnt making enough money to meet the requirements for everything I had to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to dispute a child support obligation that is incorrectly listed on my credit report. I am fully aware of the FCRA provision 15 U.S.C. 1681s1 which relates to the reporting of overdue child support obligations. However, the information listed on my credit report under ACCOUNT NUMBER XXXX is inaccurate/incomplete/should not be reported due it has been fully PAID and settled.

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 2024-01-23 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: FL

Complaint narrative:
In accordance with the Fair Reporting act XXXXXXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
XXXX XXXX Date : XX/XX/2024 XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX RE : Complaint Against Wells Fargo XXXX XXXX XXXX XXXX XXXX, IA XXXX and XXXX XXXX XXXX XXXX Plaintiff attorney XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX for Violation of RPAPL Section 1304 in Foreclosure Case ( Index No. XXXX ) Dear CFPB, I am writing to file a formal complaint against Wells Fargo and XXXX & XXXX XXXX XXXX related to the foreclosure action against me, XXXX XXXX XXXX under case index number XXXX. This complaint specifically addresses the plaintiffs failure to comply with RPAPL Section 1304, which mandates a 90-day notice before commencing foreclosure proceedings. 

RPAPL Section 1304 requires lenders to provide borrowers with a 90-day notice as a prerequisite to foreclosure. In my case, Wells Fargo and their attorneys has neither mailed the required notice nor provided proof of such mailing to the court. This omission constitutes a significant procedural violation and undermines the legal validity of the foreclosure process. 

As a result of this failure, the foreclosure auction scheduled for XX/XX/, should be deemed unlawful and therefore canceled. I request that the CFPB investigate this matter thoroughly and ensure that Wells Fargo and their attorneys is held accountable for their non-compliance with the statutory requirements. 

Thank you for your attention to this critical issue. I look forward to your prompt response and intervention. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
On XX/XX/XXXX, Your front door ran my XXXX XXXX XXXX for XXXX dollars through the XXXX XXXX XXXX terminal. XXXX then froze the funds until XX/XX/ according to them and as far as I know the company took off with the money and ran with it even though it was indicated multiple times that a refund was going to be issued. Since then american express has not investigated properly and sent this to a third party collection agency who has since reported it to my credit without fixing or investigating the merchant. I nor american express has recieved the money and now has made it my problem. I have since gotten the FBI involved and filed a civil suit. I would like this to reinvestigated properly. 
My attorney is XXXX XXXX his numer is XXXX and the FBI officer working on this fraud case is XXXX XXXX Email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: GA

Complaint narrative:
I sent XXXX a debt validation letter and they were unable to provide me with validation I will attach what XXXX sent me this is not a debt validation please delete from my credit immediately they have not provided me with a contract with my signature

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 2024-01-23 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: FL

Complaint narrative:
In accordance with the Fair Reporting act XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Account number : XXXX An account was placed under my name erroneously. Since then, PORTFOLIO RECOVERY ASSOCIATES have damaged my name, and my credit. PORTFOLIO RECOVERY ASSOCIATES has entered derogatory information into my credit file. I'm requesting the account be deleted from PORTFOLIO RECOVERY ASSOCIATES company records and the three major credit bureaus ( XXXX, XXXX XXXX and XXXX ) the account your company placed is a false one. I did not order or received a product\services I am writing to dispute a fraudulent charge on my account. I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). Consumers Desired Resolution : I'm requesting the account be deleted from PORTFOLIO RECOVERY ASSOCIATES company records and the three major credit bureaus ( XXXX, XXXX XXXX and XXXX ) ASAP In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I am reaching out as I was told by PNC Bank customer care my late fee will be waived due to an error with my card being locked and me paying it right away. When I called customer care they told me they cant waive it. I was lied too and they are manipulating me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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 submitted this complaint to update this suspicious information. The Credit Bureau must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
DPT EDXXXX 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 2024-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/ I was scammed on FB by someone by the name of XXXX XXXX who hacked into someone I thought I knew. They used her account to advertise some products for sale. As a result I was scammed out of {$350.00} which was sent to and email address XXXX which was used for the XXXX transfer. As soon as I discovered the scam on the same day I reached out to Chase and ask to stop the payment they say it was too late so I entered a claim which was denied. I just dont understand how come they cant retrieve the fund the same way they transferred it. I know theres a lot of people who are suffer the same financial loss and Chase refuse to help in recovering their funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: WA

Complaint narrative:
They said it'll take 2 months to show me loan payment history ie : all payments made after 2009 of US Department of Education to nelnet to accurately show This has been ongoing to nelnet for 5 days

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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 am submitting this complaint today as a follow-up to my last complaint dated XX/XX/XXXXXXXX This is to ensure that the upcoming update I am scheduled to receive within the next 15 days will reflect an updated credit report with a clean slate, free from inaccurate personal information and unauthorized inquiries. I am reattaching my FTC report # XXXX for your reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WA 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 XXXXXXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-01-23 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: NY

Complaint narrative:
I am submitting this complaint today as a follow-up to my last complaint dated XX/XX/XXXXXXXX This is to ensure that the upcoming update I am scheduled to receive within the next 15 days will reflect an updated credit report with a clean slate, free from inaccurate personal information and unauthorized inquiries. I am reattaching my FTC report XXXX XXXXXXXX for your reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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 XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX  Account XXXX XXXX and Public Information Account XXXX 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.

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