vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-10 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: GA

Complaint narrative:
First off I was never notified properly by Nave Federal Credit Union of the XXXX debt that violates the FCRA lawsot has come to my knowledge that charge off Is a income and should nit be reporting on my credit even according to the CFPB AND THE IRS INDEBTNESS even the CFPB incorporated what the IRS stated and Nave Federal has reported the charge off that is not suppose to be and I would like to have it removed as inaccurate information off my credit immediately as it is a certificate of indebtness and thus causing and Violating FCRA AND FAIR DEBT 9RACTICE ACT and therefore ELIGIBLE FOR REMOVAL and theFCRA Act that all reporting must be accurate and this is inaccurate reporting violating my Rights to Privacy the 1974 act.The IRS defines charge off as XXXX XXXX XXXX Charge off and canceled debts are considered income and it is not to be reported as such and can not be reported like as too what Nave Federal has done to me I cancel any written, verbal or nonverbal agreements now instantaneously I made with you all And this is inaccurate reporting this shall be removed from the CRAS IMMRDULIATELY UPON RECIEVING THIS NOTICE AND REQUEST

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX PM Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX  Account XXXX XXXX, XXXX & XXXX Account XXXX XXXX XXXX has violated my rights. 

I looked at my Transunion credit report on XX/XX/2024, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2, they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Ive had XXXX $ saved my Venmo accounts for months now I need the money badly so I finally decided to transfer it now they have frozen my account and not let me access money I have rent due this is just not right they can just take my money like this I need hope pleas I beg Ive showed them my id and everything and that Im owner and my bank account statements can provide proof of anything if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I opened my BOA credit card in XXXX. I always paid my bill on time. After receiving a notice from XXXX XXXX that something had changed, I checked my credit report and discovered my BOA account had been closed. My credit score had also plummeted XXXX points. 

On XX/XX/XXXX, I spoke with 2 representatives. The first representative was completely unapologetic and informed me that I had been sent 3 emails : one in XXXX, XXXX, and XXXX. When I looked I found 2 emails in my spam folder. She said there was no one else I could speak with. 

That same day, I called a different number and spoke to a representative. She said there was no one else I could speak with but that she would send my complaint to someone and I would receive an email response withing 24 to 48 hours. 

In this digital age, it is totally unrealistic for a company to think that emails are sufficient when systems can tag those emails as spam. I receive credit card offers from BOA every week, but they couldn't take the time to notify me by mail that they were closing my account due to inactivity. My account was XXXX XXXX XXXX and the closing of that account reduced my credit history and caused my score to XXXX When I looked on my credit report at the reason my account was closed, my credit report said it was closed at my request. This reason they closed it as reported is a lie. Plain and simple. I NEVER requested they close it. 

This business practice is no longer being practiced by other credit card companies. I have received other letters over the years and those accounts were not closed because they effectively contacted me by mail. 

This is an unfair business practice that needs to be stopped. My credit report is now damaged and I have no recourse but to report my experience.

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 2024-08-10 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: CA

Complaint narrative:
I recently checked my credit report and noticed some inaccurate unverifiable unknown fraudulent hard inquiries that I did not give permissible purpose to do so under the fcra anything inaccurate or unverifiable has to be deleted immediately and I also provided proof of credit report including ftc report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: IN

Complaint narrative:
I filed for bankruptcy on XX/XX/year>, with the United States Bankruptcy Court for the XXXX XXXX XXXX Indiana, Case # XXXX. The bankruptcy report was not obtained from the courts, as their website states they do not report to credit agencies. Therefore, it is not possible for them to have provided that information.

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 2024-08-10 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: OH

Complaint narrative:
I received your stall letter regarding the investigation of my previous dispute, and I cant help but feel extremely frustrated and annoyed. Seriously, how much longer are they going to drag this out? 
I submitted a dispute XXXX to challenge information on my credit report. According to the Fair Credit Reporting Act ( FCRA ) -15 U.S. Code 1681i ( a6 ) & 15 U.S. Code 1681i ( a7 ), you're supposed to investigate and respond promptly. But all I got was a generic stall letter with no real updates or progress. What gives? 
Ive done some research and found a CFPB report that specified youre using automated methods to send automatic stall letters to consumers in hopes that they will use your online systems for disputing. There is no law saying I cant leverage todays available technology to help me analyze, create and send disputes to transunion. 
Here is a link to the report that detailed TransUnion violations - https : //www.consumerfinance.gov/about-us/newsroom/cfpb-issues-report-on-transunion-experia n-and-equifax/ Listen, I don't have time for your runaround. They need to get your act together and actually do their job. The FCRA clearly states that Transunion have to investigate within 30 days and provide a timely response. It's not rocket science!

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 2024-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I owe over XXXX they charge a high interest rate and won't allow for a lower rate and they only allow a minimum of XXXX which I paid before the due date of the XXXX. This time I sent XXXX today Saturday the XXXX. it seems my interest is the problem and they won't lower it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I was charged {$XXXX} ( each ) for XXXX items on XX/XX/year> and {$XXXX} ( each ) for XXXX items on XX/XX/year> by Chase Bank in late fees. That's a total of XXXX late fees adding up to {$XXXX} within roughly a XXXX hour period.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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 was recently laid off from my job and, while reviewing my recent transactions due to a separate issue with Chase, I noticed an unfamiliar charge from XXXX. I reached out to Chases claims department and confirmed that this transaction was unauthorized. To my surprise, I learned that unauthorized transactions with XXXX had been occurring since XXXX, which I had not been aware of. 

After resolving the initial dispute, I found a discrepancy in the refund amount. Upon further inquiry, I was informed that claims could only be filed within 60 days of the statement date. Unfortunately, many of the larger charges I initially flagged were beyond this 60-day window. 

There are still four other fraudulent charges totaling {$850.00} that I was unable to dispute because of this time limitation. 

I understand the 60-day rule, but I assure you that if I had been aware of these fraudulent charges sooner, I would have addressed them immediately. I discovered them while handling another issue, and I feel deeply violated by this situation. When I initially reached out to Chase, no one mentioned the 60-day restriction. I only learned about it when following up on the additional charges. Although I requested an exception, it was denied, with the explanation that I was informed of this policy when I opened my account nearly three years ago. 

I am asking for some understanding and compassion in this matter. I worked long hours in a demanding job and rarely checked my account, so the oversight was unintentional. I hope you can consider my situation and assist me in resolving this issue fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/2024 I sent a letter to WFBNA requesting they validate and verify my debt with paperwork, contract or any document that bares my legitimate signature but received none of that with the reinvestigating they claim to have done! Not only had this hurt my credit it is hindering me from moving past an obstacle holding my back from bigger and better things! They were not able to verify, validate or prove to me this debt is mine so hence why it should be deleted

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 2024-08-10 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: CA

Complaint narrative:
I would like to dispute the following hard inquiries on my XXXX  and Equifax credit report. Everything listed below are unknown and not authorized by me. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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:
This is NOT a duplicate report and this is not filed by a Credit Repair Agency. In accordance with the Fair Credit Reporting Act XXXX, the following accounts below has violated my rights according to : 15 U.S.C. 1681 section 602 A. States I have a right to privacy 15 U.S.C. 1681 section 604 A section 2, States a consumer reporting agency can not furnish an account without my written instructions. 

Account name : XXXX XXXXXXXX XXXX Account XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX  Account XXXX XXXX Account name : XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Furthermore, please provide the following : 1, The Original Contracts with my signature on it 2. Creditor information ( Name, Address and phone number of original merchant ) 3. The payment history and itemized billing associated with each account 4. Proof of Ownership ( Proof that the company trying to collect this debt has authorization to do so ) If you cant provide these four things for all of the above accounts then please delete these accounts immediately. Thanks

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 2024-08-11 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: CITIBANK, N.A.
State: WA

Complaint narrative:
- I didnt get a XXXX - 15 usc 1681 ( a ) ( 2 ) I didnt give them written permission to have this charge off furnished on my report. 
-A charge off is income. Income is forbidden to be on a consumer credit report according to congressu 15 usc 6802 and 15 usc 6803 When they didnt give me the documentation Opt out of being reported to a third-party affiliated Prior to them reporting it via 15 usc 6802

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 2024-08-11 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: GA

Complaint narrative:
This is NOT a duplicate report and this is not filed by a Credit Repair Agency. In accordance with the Fair Credit Reporting Act XXXX, the following accounts below has violated my rights according to : 15 U.S.C. 1681 section 602 A. States I have a right to privacy 15 U.S.C. 1681 section 604 A section 2, States a consumer reporting agency can not furnish an account without my written instructions. 

Account name : XXXX XXXXXXXX XXXX Account XXXX XXXX Account name : XXXXXXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX XXXX  Account XXXX XXXX Account name : XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Furthermore, please provide the following : 1, The Original Contracts with my signature on it 2. Creditor information ( Name, Address and phone number of original merchant ) 3. The payment history and itemized billing associated with each account 4. Proof of Ownership ( Proof that the company trying to collect this debt has authorization to do so ) If you cant provide these four things for all of the above accounts then please delete these accounts immediately. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 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: GA

Complaint narrative:
This is NOT a duplicate report and this is not filed by a Credit Repair Agency. In accordance with the Fair Credit Reporting Act XXXX, the following accounts below has violated my rights according to : 15 U.S.C. 1681 section 602 A. States I have a right to privacy 15 U.S.C. 1681 section 604 A section 2, States a consumer reporting agency can not furnish an account without my written instructions. 

Account name : XXXX XXXX XXXX  Account XXXX XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX Account name XXXX XXXX XXXXXXXX  Account XXXX XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Furthermore, please provide the following : 1, The Original Contracts with my signature on it 2. Creditor information ( Name, Address and phone number of original merchant ) 3. The payment history and itemized billing associated with each account 4. Proof of Ownership ( Proof that the company trying to collect this debt has authorization to do so ) If you cant provide these four things for all of the above accounts then please delete these accounts immediately. Thanks

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 2024-08-10 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I believe that my jc penny card was closed and subsequent credit report from syncronicity on account closure is retaliation for filing a claim against PayPal. Synchronicity is the parent company of jc penny and PayPal. MY jc penny account has a XXXX balance.

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 2024-08-11 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: CA

Complaint narrative:
I recently check my credit report and noticed some inaccurate unverifiable unknown fraudulent hard inquiries that I did not give permissible purpose I also provided proof of the hard inquiries and my ftc report as my proof an credit report shiwing the fraudulent hard inquiries listed below XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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