vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-07 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: GA

Complaint narrative:
Subject : Cease Unauthorized Credit Reporting Immediately - Legal Reference to Georgia FCRA Identity Theft Fraud Laws Dear NAVY FCU, I am writing to address a serious matter involving the unauthorized reporting of information to my credit report, which is in direct violation of the Fair Credit Reporting Act ( FCRA ) as per Georgia state regulations, particularly Sections XXXX and XXXX of the Official Code of Georgia Annotated ( OCGA ), which outline identity theft fraud laws. 

It has come to my attention that NAVY FCU Account XXXX : XXXX has been reporting information to my credit report without obtaining my explicit consent. Under federal and Georgia state law, including the FCRA and the Georgia Identity Theft Act, such reporting activities without consumer consent are unlawful. 

I have not provided consent for NAVY FCU Account Number : XXXX to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, subjecting me to potential damage to my creditworthiness and demonstrating disregard for both federal and state laws. 

I demand that NAVY FCU Account Number : XXXX immediately cease all further reporting of information to my credit report without obtaining my explicit consent, as mandated by relevant sections of the FCRA and Georgia identity theft fraud laws. Failure to comply within 30 days will be considered willful noncompliance, subject to penalties under applicable laws, including the Georgia Identity Theft Act. 

Obtaining consent is not a choice but a legal obligation under these specific sections of the FCRA and Georgia state law. This is not negotiable ; it is a demand for compliance with both federal and state regulations aimed at protecting consumers from unauthorized and damaging credit reporting. 

I expect NAVY FCU Account Number : XXXX to rectify these violations promptly and respect my rights under federal and Georgia state laws. 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: States Recovery Systems, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX States Recovery Systems called my place of employment asking to speak with the payroll manager in regards to a garnishment. 
My coworker told XXXX all communication needed to be emailed. 
XXXX proceeds to tell my coworker who the debt is regarding, how much they owe, when the last payment was- all private information. 
My coworker did not want to get involved. Again, asked her to send the info via email. 
XXXX refused and told her to give me the message. 
When I called into the office, she said she could leave that information because it was public record. 
I looked up the account and I see 2 active collections I knew nothing about. both have XXXX principal and enormous interest balances only. 
I have never been contacted via mail with any notice that I owed these debts. 
And I do not want any collection agency calling my place of employment speaking to people that I manage in regards to any of my personal business. 
I found XXXX accounts with my name on them : # 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  in interest only

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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:
Information unlawfully sold to others from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: CBC Companies, Inc.
State: TX

Complaint narrative:
Excuse me, I would like to bring to your attention that I have concerns regarding the accuracy of the information on my credit report, which is impacting my consumer rights. I believe that I have the right to be treated fairly by those who control this information. I kindly request that you provide me with all available details on how the inaccuracies occurred and how you will rectify them to ensure compliance with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards. 
I understand the seriousness of this issue and how it could compromise the integrity of your data if these standards aren't followed. As a result, I urge you to take corrective measures as soon as possible to remove any false accounts from my credit report. I rely on factually accurate, verified, and compliant data in my credit report, and I can't afford to have anything less than 100 % accuracy. Thank you for your prompt attention to this matter.

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX, NY, XXXX Incorrect XXXX : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 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: LEXISNEXIS
State: TX

Complaint narrative:
Excuse me, I would like to bring to your attention that I have concerns regarding the accuracy of the information on my credit report, which is impacting my consumer rights. I believe that I have the right to be treated fairly by those who control this information. I kindly request that you provide me with all available details on how the inaccuracies occurred and how you will rectify them to ensure compliance with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards.

I understand the seriousness of this issue and how it could compromise the integrity of your data if these standards aren't followed. As a result, I urge you to take corrective measures as soon as possible to remove any false accounts from my credit report. I rely on factually accurate, verified, and compliant data in my credit report, and I can't afford to have anything less than 100 % accuracy. Thank you for your prompt attention to this matter.

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX, NY, XXXX Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Im writing to dispute INACCURATE information reporting on my credit report. I have also enclosed statements and payment information to prove payment was paid in a timely manner. XXXX  XXXX XXXX XXXX account # XXXX was never late. On XX/XX/XXXX the XX/XX/XXXX statement was for {$600.00} due on XX/XX/XXXX. I paid {$64.00} on XX/XX/XXXX. I also paid {$540.00} on XX/XX/XXXX for a grand total of {$600.00}. This payment was paid before the due date and the balance due was overpaid by XXXX. 

Also, for the XX/XX/XXXX payment a payment of {$41.00} was due XX/XX/XXXX. I made a payment of {$100.00} on XX/XX/XXXX. I also made a payment of {$100.00} on XX/XX/XXXX. I made a total payment of {$200.00} before the due date of XX/XX/XXXX. The payment due was {$41.00}. I made a total payment of {$200.00} I paid {$150.00} over the required payment. I have provided Experian proof payments were made timely in addition to the actual statements and this information has not been corrected. This account is greatly affecting my credit report because this account is showing 30 days late despite my proof that this account was paid timely. XXXX  XXXX XXXX XXXX had not corrected this account. In addition, they have continued to report this account 30 days late in XX/XX/XXXX to the XXXX major credit reporting companies which are Experian, XXXX, and XXXX. 

XXXX XXXXXXXX XXXX XXXX XXXX payment reported XX/XX/XXXX NEVER LATE See Documentation Regards, 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 2024-02-07 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:
Someone got a hold of our account information and set up ACH to withdraw from the account. They kept the ammounts low so it did not trigger the 'large withdrawal ' warning and could make several withdrawals a day. This went on for months before I finally caught it yesterday. Chase will not refund any transactions over 60 days of when I reported it. I'm a victim of identity theft and according to the bank if someone else gets my account number again, the same thing could happen. This seems like a really unfair burden for the indidividual consumer to handle given the sophistication of professional fraudulent organizations. I try to check my statement every month but the past few months I had some issues come up, I realize looking back how vulnerable I and so many other consumers have always been and it feels like our banks could be protecting us more given their expertise in this space. I don't know what to do and thought to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Newport Intermediate Inc.
State: MA

Complaint narrative:
I have two virtual prepaid card accounts with the company. 

Account # XXXX Balance : XXXX as of XXXX Fees charged : XXXX - XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I would like to close my accounts and have the combined balance refunded to me. 

The company claims to charge a XXXX fee to renew the card for an additional year, and charges a {XXXX} fee on top of that fee per month. I was given no record of any terms that I may have agreed to when claiming the account last year. I have received no mail or communication via email from the company to warn about these monthly and renewal fees. I was given access to these accounts as part of warranty claims for computer hardware. It is clear that the company takes advantage of their position to charge excessive fees on customer accounts. 

When I called to ask for my accounts to be disbursed by check to my address, I was told that this is not possible, and since my account has been opened longer than a year, and I can no longer request disbursement of the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: VA

Complaint narrative:
I put in a previous dispute for accounts reporting on my credit due to fraud and trans union credit reporting agency responded to needing proof of address sending proof of address to get accounts removed from credit report due to fraud uploading information for dispute # and proof of address

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 2024-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CO

Complaint narrative:
My student loans are serviced by Mohela and I am enrolled in Public Student Loan Forgiveness ( PSLF ). When signing up for and XXXX plan prior to student loan repayment in XX/XX/2023, I was confused on Adjusted Gross Income ( XXXX ) and submitted Gross Income. Because of this my payments since XXXX of 2023 were {$430.00} per month. When I became aware of my mistake through conversations with friends also enrolled in XXXX and the XXXX plan, I submitted my application for the XXXX plan. My new amount due is {$210.00}. After submitting this in the early half of XXXX, Mohela put my account in forbearance and still withdrew the {$430.00} from my account. I was then informed that payment does not count toward PSLF since I was in forbearance. Similarly, Mohela put many loan holders in forbearance in XXXX, among which I was one. They then informed me those payments, auto-withdrawn from my account, even though my account was in forbearance, would not be eligible for XXXX due to the forbearance period. If those payments are not eligible, then I would like to be refunded. Similarly, if there is anyway to recoup the nearly double payments from XXXX through XXXX, that would be beneficial Also, I submitted a PSLF form on XX/XX/2023. It was not reviewed until XX/XX/XXXX, which is included. While it was taken care of with Mohela, all communications via their support option were sent after the form was processed. Overall, Mohela 's communication has been weak and inconsistent. I doubt I am the only one having this issue, which is why I submitted the complaint. I have overspent nearly {$1000.00} since repayments began and don't want others to run into this same problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: CO

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 explanation
Consumer complaint received 2024-02-07 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: TN

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal 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 explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This account is too old to be on my credit report. It has been on my report for over 7 years

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 2024-02-07 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: FL

Complaint narrative:
I have mailed Equifax multiple disputes the past two months with my name, and address regarding the inaccuracy of my credit report. And yet Equifax have failed multiple times to adjust, and correct my credit report. I have not received any forms of documents from Equifax processing my disputes, and XXXX changes have been made to credit report profile. Instead, Equifax have been sending me a bunch of nonsense stalling letter to discourage my dispute process, and therefore refuses to take necessary actions to resolve my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 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: IL

Complaint narrative:
I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
This account is too old to be on my credit report. It has been on my report for over XXXX  years

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 2024-02-07 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: UT

Complaint narrative:
Hello, please see documents attached for more details. I hope you can help me.

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 2024-02-07 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: FL

Complaint narrative:
Litigation for fraud filed against XXXX approx 6 months ago. Around this time XXXX XXXX refused a phone payment stating account holder " is in litigation ''. Then XXXX XXXX stopped sending the customary paper statements that account holder received monthly using those to make payments. Account Holder could no longer access account online. Account hold has never signed up for auto pay or paperless billing with XXXX XXXX. Account XXXX requested several times a copy of statement and asked for account status in past 6 months calling in to XXXX 's customer service line. XXXX never informed of any account status or balance and never sent statements. XXXX XXXX has reported account holder30, 60 and 90 days late to Experian and account holder believes XXXX XXXX and Experian violated regulation F as well as FRCA because account holder has never received statements informing of these delinquencies nor ever gotten any verbal communication from XXXX XXXX in an attempt to collect a debt. This has caused much emotional distress and financial distress to the account holder. Experian has been made aware of the situation and continues to report the delinquency.

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