vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-21 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Navy Federal Credit has illegally, unlawfully reported information on my credit files, without adequate authorization. The information is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information. There is no legally admissible evidence to verify the accuracy of what Navy Federal Credit is reporting Account # XXXX Balance : {$2000.00} on my credit files, and this agency have not validated pursuant to the requirements of the FCRA XXXX I have never signed a wet signature of an application with Navy Federal Credit, nor have I provided any valid identification that would allow them to legally report.

Navy Federal Credit has failed to provide a copy of any wet-signed application, valid ID, or proof of authorization to support the legitimacy of their actions. In accordance with the Fair Credit Reporting Act ( FCRA ), I have not given them the authority to access or report any information related to me. This failure to provide adequate proof of the alleged debt is a violation of my rights under federal law. I requested for Navy Federal Credit to provide verifiable proof of this debt and a clear clarification of how this debt was verified. I have not received anything. This raise concerns about their compliance with legal requirements. In accordance with the Fair Credit Reporting Act ( FCRA ), I have not given them the authority to access or report any information related to me. Their actions are in violation of the FCRAs requirement for a permissible purpose in reporting credit information. This unauthorized reporting has negatively impacted my credit standing. I request that FDIC investigate this matter and take appropriate action to ensure that the erroneous and derogatory information is removed from my credit report. I am also pursuing complaints at federal levels to address these violations. I have given Navy Federal Credit a fair opportunity to clear this matter up and I am still being harassed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have two college students who have received no less than 30 invitations to apply for Capital One Student cards. Every time they have submitted an application, they get a response indicating that they are not eligible. They are qualifying students under the description noted in the application mailing, and the applications imply that they are qualified - including language like " getmyoffer '', and exclusive codes for applying. They qualify under all of the eligibility requirements except for Capital One 's catch-all ineligibility disclosure of " Capital One otherwise determines that I am unable to make my monthly payments '' ( for which they have none other than their credit card ). The general tone of the marketing is very misleading and the volume of regular marketing marketing offers they receive for these student cards is harassment considering they never intend to approve them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: TX

Complaint narrative:
To whom it may concern : This document is my request for any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards. I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified.You need to have a process for reporting which follows the XXXX XXXX data field formatted reporting standard. I don't think your report is accurate because of the claims in this complaint. I don't think your report is accurate.I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the XXXX  XXXX : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report.The below-noted claims are disputed and have not been confirmed as facts.I am requesting that you remove any false accounts from my credit report. I only want factually accurate, verified, and compliant data documented on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom it may concern : According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history.If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation.According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and its permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.

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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, a bankruptcy was filed and subsequently discharged. On XX/XX/XXXX, I sent a formal dispute letter to XXXX regarding incorrect reporting of this bankruptcy. As of XX/XX/XXXX ( XXXX days later ), XXXX has failed to respond or investigate as required by FCRA XXXX 

Key violations : 1. No response within mandatory 30-day investigation period 2. Continued reporting of disputed information without verification 3. Failure to conduct reasonable investigation 4. Violation of FCRA sections 15 USC 1681i and 1681c-2 Supporting facts : - Court letter confirms they do not report to credit bureaus - Dispute sent via certified mail on XX/XX/XXXX - No investigation results received - No correction made to report - No communication received from XXXX, Transuion and XXXX - Credit report still shows incorrect information This ongoing failure to investigate and correct has negatively impacted my credit profile and violates multiple FCRA requirements for proper dispute handling and investigation procedures.

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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, a bankruptcy was filed and subsequently discharged. On XX/XX/XXXX, I sent a formal dispute letter to XXXX regarding incorrect reporting of this bankruptcy. As of XX/XX/XXXX ( 64+ days later ), XXXX has failed to respond or investigate as required by FCRA XXXX 

Key violations : 1. No response within mandatory 30-day investigation period 2. Continued reporting of disputed information without verification 3. Failure to conduct reasonable investigation 4. Violation of FCRA sections 15 USC 1681i and 1681c-2 Supporting facts : - Court letter confirms they do not report to credit bureaus - Dispute sent via certified mail on XX/XX/XXXX - No investigation results received - No correction made to report - No communication received from XXXX, XXXX and Experian - Credit report still shows incorrect information This ongoing failure to investigate and correct has negatively impacted my credit profile and violates multiple FCRA requirements for proper dispute handling and investigation procedures.

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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Incident Description I am filing this report to document the unauthorized use of my personal information and identity, which has resulted in accounts being accessed, created, or reported to credit reporting agencies without my knowledge or consent. Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681b ). Upon reviewing my credit report, I discovered multiple accounts that I did not authorize, or permit to be reported. These accounts are fraudulent and represent misuse of my personal information. Incident DetailsThis account is important on my credit report twice it shows up as XXXX XXXX XXXX XXXXXXXX it says payment received XXXX original charge off XXXX status so was charged off XXXX XXXX XXXX XXXX XXXX did they open XX/XX/year> the date closed XXXX XXXX  then it shows up Also under XXXX XXXX XXXX XXXX XXXX ( Fair Credit Reporting Act ) Lack of permissible purpose to access or report my data. 3. 15 U.S.C. 1681e ( b ) ( FCRA ) Requirement to ensure accuracy and verification of reported data. Impact of Fraud The unauthorized accounts have : Negatively impacted my credit report and credit score. Resulted in financial harm and reputational risk. these accounts have damaged my creditworthiness and caused undue stress.and stoping me from becoming homeowner Action Requested I am requesting that this report officially document the unauthorized use of my identity and personal information. This report will be submitted to : Credit reporting agencies ( XXXX, Equifax, and XXXX ) as evidence to remove these fraudulent accounts. Relevant federal agencies such as the FTC and CFPB, if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer ContXXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX  XXXX Date Opened : XXXX XXXXXXXX XXXX : {$0.00} - Late/closed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
My credit card with PNC was closed without notice. I just saw it disappeared from my app and I didnt have any unpaid balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to formally dispute the denial of my claim regarding XXXX unauthorized transactions made on my business bank account with Chase. Below is a list of the fraudulent transactions : XX/XX/year> {$2000.00} XX/XX/year> {$1000.00} XX/XX/year> {$2000.00} XX/XX/year> {$1000.00} XX/XX/year> {$2000.00} XX/XX/year> {$5000.00} XX/XX/year> {$1000.00} XX/XX/year> {$5000.00} XX/XX/year> {$5000.00} XX/XX/year> {$5000.00} XX/XX/year> {$3000.00} XX/XX/year> {$2000.00} XX/XX/year> {$5000.00} XX/XX/year> {$2000.00} XX/XX/year> {$5000.00} XX/XX/year> {$1000.00} XX/XX/year> {$2500.00} These transactions are unauthorized and I believe to be fraudulent. My claim was denied by Chase, referencing a 30-day window to report transactions. However, these charges fall well within that 30-day window. It appears the claim is being denied based on a technicality, specifically referencing an older fraudulent dispute, rather than addressing the actual charges in question. 

Additionally, Chase has refused to look at the supporting documentation I provided, nor have they conducted a thorough investigation, which I believe is in violation of the Electronic Fund Transfer Act ( EFTA ). Under the EFTA, I am entitled to a proper investigation of these fraudulent transactions.

I also want to bring to your attention that the dispute was deleted from the online portal, and it no longer appears as an open or closed claim it is completely gone from my view, preventing me from tracking its status. This further complicates the situation and adds to my concern that the claim is not being handled appropriately. 

Finally, the denial letter I received does not reference the specific transactions in question, nor does it clearly state why my claim was denied. 

For reference, my claim number is : Claim XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: Kriya Capital, LLC
State: FL

Complaint narrative:
I WAS XXXX  AT THE TIME OF THE IDENTITY THEFT.. 
THE FOLLOWING ACCOUNTS ARE FRAUD. I NEED THEM REMOVED FROM MY CREDIT I CAN NOT GET A MORTGAGE. 

CREDENCE RESOURCE MANA ACCOUNT : XXXX AMOUNT {$570.00} XXXX XXXX XXXX ACCT # XXXX AMOUNT {$4000.00} XXXX XXXX XXXX ACCOUNT # XXXX AMOUNT {$9700.00} XXXX  ACCOUNT # XXXX AMOUNT {$120.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( XXXX ) : Account Name : Freedom MTG Account Number : XXXX Disputed Late Payment Entries : o XX/XX/XXXX to XX/XX/XXXX With discrepancies It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. 

Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 

Regards/Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NY XXXX XX/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 explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I was scammed and sent {$100.00} to someone through Wells Fargo. I called them within 15 minutes and was told that the money had not been transferred yet and not to worry. They sent the scammer my {$100.00} and XXXX cant get it back.

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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Item Number Company Name Account Number Comments 1. XXXX XXXX XXXX XXXX XXXX XXXX 4 late payments. 


Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely, _______________ Name _______________ Address _______________ Town, State and Zip _______________ Social Security No _______________ Date of Birth

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 2024-12-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
received XXXX dollar american express gift card from place of employment ( XXXX ). I tried adding it to my XXXX XXXX  account and the card declined. I then tried buying an XXXX  gift card on the site and card declined. I then tried buying on XXXX  and card was declined, as well as on XXXX. All the purchases were denied and lack of call center assistance and its all automated with no way of talking to an individual to see why amex card wouldnt work with site that says they accept american express

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was constantly getting notifications that my password and had been changed and money sent to my contacts that I dissent send and most annoying was I was getting messages people I didnt know were getting added to my XXXX Then every time I would get a paycheck deposited they would try to XXXX XXXX else where but I had already taken money out at the same time. That went on/off since I open my account in XXXX up til XXXX XXXX when they closed my account, every time I would have to do lost/stolen transfer just to keep my account safe and few months after it happened again and the same headaches

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