vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-16 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:
I am writing to dispute the findings of the investigation conducted by the credit bureaus regarding the accuracy of the information on my credit report. The credit bureaus have stated that the Account Name and Account Number were properly investigated, but this is impossible when the open date, the date last active, and the date last reported are all inaccurate. These discrepancies are grounds for the removal of the account from my credit report. 

Additionally, my rights under XXXX XXXX. XXXX, Section XXXX ( a ) ( XXXX ), have been violated. This law clearly states that a consumer reporting agency can not furnish an account without my written instructions. I have never provided written permission for these accounts to be furnished on my credit report. 

Given these violations and inaccuracies, I am requesting that these accounts be removed from my credit report immediately. I expect prompt action to address these issues in compliance with federal law. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
A report called " XXXX XXXX '' was brought to my attention recently. After printing out my report, I realized that every single transaction from every account I have with Navy Federal Credit Union has been and continues to be illegally shared with unauthorized third parties without my knowledge and without my consent. I have sent notices to the legal team at NFCU, and the response I received had nothing to do with the several Privacy Act violations of which i was concerned about. Each transaction that has been shared illegally violates the Privacy Act and carries a fine of {$1000.00} for each illegally shared transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: WI

Complaint narrative:
This is absolutely stressing me out. My loan applications are being turned down because of inaccuracies in my credit history. Despite meeting all my financial responsibilities, these errors have hindered my ability to obtain loans and have been incredibly frustrating.

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 2024-08-16 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: VA

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

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

I demand the late payment reported to be removed/updated.

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

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: LA

Complaint narrative:
I've a debt validation letter to XXXX XXXX on XX/XX/year> Account number : XXXX. It has been over 30 days without a response. My current address was provided on the document that was sent to the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
I disputed this account last year and showed proof it was a fraud account. It was verified and deleted. Now a new collection agency put it back on my account with no proff it belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: FL

Complaint narrative:
Mobiloans XXXX Account Number XXXX please sent me a copy of the validation of this account failure to do so remove this account from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to freeze my credit. I tried to open accounts with the XXXX credit bureaus and all three of them claim I failed security checks, which is implausible considering I'm creating an accoutn fo rmyself and know all of my information. I'm tech savvy and did not mis-click or provide incorrect information to any of them. Now, they all require me to call in for identity verification support. They all have hold times over an hour. XXXX says it is XXXX minutes!! So, these credit agencies that have a strangle hold on us are not prepared to support customers. I do not have XXXX hours to sit on hold to get logged in so I can put a freeze on my credit after a long list of data breaches! I waited over an hour for Equifax and they're " having issues with their system '' and can't even help unfreeze my login! So, the online system tells me to call in, but after waiting over an hour calling in, they can't help. The credit agencies themselves are a scam that have their knee on our throats, and support systems where data breaches mean our identity can then be stolen. Please disolve these credit bureaus or pass legislation that they must have human assistance with no more than XXXX minute waits! This is complete nonsense!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: NY

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-08-16 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: Ocwen Financial Corporation
State: TX

Complaint narrative:
In XX/XX/year> I was layed off and during XXXX XXXXXXXX I reached out to my Mortgage company PHH Mortgage to see if there was any assistance available to help with 2 months of payments ( XXXX and XXXX ) so I wouldnt risk falling behind. They responded that they were there to help and could assist but needed 5 days. 5 days later I called back only to be told they were sorry and would need another 5 days. 5 days later I called back and was told I would need to submit a mortgage asssistance application with all relevant information. I submitted said material and got a confirmation in late XXXX that it was received. I called again to be told they needed 30 days to work with lender. 30 days later I checked back and was told more information was needed which I sent. several days later I was told additional info was needed which was sent. Each time a scheduled " Relationship manager XXXX XXXX '' who was assigned had either no further information or information that was old. By XX/XX/XXXX I was officially 2 payments behind which I have never been before but they had told me not to worry that since this was in the process I wouldn't have issues with foreclosure risk or reporting to credit agencies. I have asked several times to just let me know if they could help " yes '' or " no ''. I got a report on my credit report anyway that I was behind and lost several points. As of today XX/XX/year> I have caught up on my own as they still have no further news or help and I dont want it to get in additional danger. I just want to help others avoid a similar experience. They are very nice but definitely not there to help the homeowner. I have been extremely disappointed overall with this process and complete disregard for their client ( me )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST HORIZON BANK
State: FL

Complaint narrative:
In XX/XX/year>, I received the attached promotion from First Horizon Bank, advertising a {$450.00} bonus if I opened a XXXX  checking account by XX/XX/year>, maintained a {$5000.00} bonus, and executed at least XXXX debit transactions per month thereafter. See statements attached dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I complied with all of these conditions and XXXX XXXX failed and refused to honor the promise to pay me the {$450.00} -- -the only reason I agreed to open and maintain a {$5000.00} bonus for almost 6 months, interest free. I believe XXXX XXXX never intended to comply with their promotion based on comments I received from their local branch. The attached paper statements ( which XXXX XXXX fraudulently charged me {$2.00} per month to receiver ) show clearly that I satisified the conditions of the promotion. When I called and texted Customer Service on XX/XX/XXXX, they continued to stall, stating they were applying for an " exception '' from " marketing '', but after a month, they still would not honor their promotion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-16 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 Cred! Reporting Act ( XXXX XXXX XXXX ) ( XXXX ), has vielated my rights. 15 U.S.C 1681 secton 602 A. States I have the right to privacy 15US.C 1581 Section CO4 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
Consumer complaint received 2024-08-16 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV FUNDING LLC {$980.00} XX/XX/year> I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Under federal law, you have thirty ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: GA

Complaint narrative:
Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after 2 written requests is also evidence of your Willful disregard of Federal Law. 

When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and Court will order you to delete them. 

You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of 1681 { a } { 4 }.

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 { 5 } { A } of the FCRA-you are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately. 

The law is very clear as to the Civil liability and remedy available to me { Section 616 & 617 } if you fail to comply with Federal Law. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name XXXX XXXX  Date XXXXXXXX  Account Number XXXX Reason for dispute__IDENTITY THEFT Account Amount XXXX Account Name XXXX XXXX Date XXXX Account Number XXXX XXXX for dispute IDENTITY THEFT_________________ Account Amount XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I applied for Navients school misconduct loan discharge and was denied and given no reason for the denial. I provided all evidence necessary ( over 300 pages ) to prove misconduct by my school and on top of that it has already been proven publicly and my federal loans were discharged for that reason. See XXXXXXXX XXXX XXXXXXXX among several other publications. I deserve a reason for denial of my application and the chance to add whatever evidence they require.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2024-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I called Wells Fargo about a Pending Wire transfer I made for {$540.00} on XX/XX/year>. The phone number I called was XXXX and I called at XXXX and spoke to a XXXX : XXXX refused to give me her last name and said Wells Fargo was holding the {$540.00} wire transfer because of the acronym " XXXX XXXX I wrote in the title. It was a request from Compliance and XXXX said they could not send me an email copy of the internal correspondence. She said Compliance flagged the acronym XXXX. The management/leadership ( Shaniqua- refused to give the last name ), XXXX said " We just need clarification to the wording XXXX in the reference. They are waiting for the processing and it went to a sanction screening. " IAC '' is the reason why it was held. XXXX said XXXX said " XXXX '' was a close match to the US sanctions list and is government related. It is about US regulations. I refused to give the name XXXX because I felt this was not a fair and transparent request. It also violates my privacy as I wrote it was a Virtual Fall Course in the title so it was just ridiculous and absurd request. 
XXXX said she can not cancel the transaction. They also would not say when and if the money would be released. All I had to do was tell her what " XXXX '' means, then the wire transfer would go through. I said it is like blackmail, to be forced to give absurd information or not have access to my money. The US sanctions list has NOTHING that looks like XXXX unless someone has undiagnosed XXXX : XXXX XXXX XXXX A voicemail from " Management/Leadership '' XXXX ( WF refused to give last name ) on Friday, XX/XX/year> : " Hello this is XXXX from Well Fargo wire transfer services. This message is for XXXX XXXX. We are calling regarding the wire transfer pending on your account and requires additional information to complete processing. The transaction number for your reference is XXXX. Please contact us as soon as possible. You can reach us at XXXX. And again that is XXXX thank you ..... '' XX/XX/year> XXXX So basically Wells Fargo is blackmailing me to tell them what " XXXX '' means or I I have no control over my money. This is not a fair and transparent request, I wrote other words in the title, and it looks nothing like anything on this list. Now I will not pay for this course and I will lose my spot. The stress and aggravation from this absurd request is uncalled-for as I have been a customer at Wells Fargo for over XXXX years. To be sent through this process is a level of incompetence that is embarrassing for this institution. They refused to send anything that left a paper trail and I received no email notifications that there was a problem, just the usual transaction emails that it was submitted and went through.

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX Account XXXX Date of Charge Off : XX/XX/year> Amount : XXXX I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

Sincerely, 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 2024-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
sent a cease and desist dispute letter on XX/XX/year> asking for validity of alleged debt ACCORDING TO 15 USC 1692C YOU HAVE VIOLATED MY RIGHTS BY INLAWFUL COMMUNICATIONS PLEASE REMOVE THIS COLLECTION OFF OF MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief