vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: MA

Complaint narrative:
Dear XXXX ; National Recovery Agency ; This is fraudulent, not mine, never had relationship with non of these companies associated with. Basically, I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges. 
I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions. 
Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection. 
* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.

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 2024-08-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
In the month of XXXX I tried to re-title my Navy Federal Credit Union accounts into the name of my trust. Upon speaking with a representative, I was told that i needed to submit a Application for a Trust Deposit Account and provide documents to prove I have created a trust. I uploaded the documents to the XXXX portal in my online banking account and waited a few business days for Navy Federal Credit Union to respond. I didn't receive a response until I called in to inquire about the status of my application. The response that followed that I had to submit all my trust paperwork along with a new application because the verbiage I added with my signature. I signed my name along with All Rights Reserved Without Prejudice above my name to reserve my rights. I even uploaded the Code of Virginia subsection 8.1A-308 which states " Performance or acceptance under reservation of rights. ( a ) A party that with explicit reservation of rights performs or promise performance or assents to performance in a manner demanded or offered by the other party does not thereby prejudice the rights reserved. '' I also states to the Navy Federal Credit Union representative that i have provided that information through eMessage so they know it is my god given right to reserve my rights. The representative continued to state that they could not accept my application and that I would have to submit a new one and provide all of my trust documentation. I uploaded all of my trust documents through the eMessage portal and waited for a response. When I received the response back the representative mentioned that after further review they could not honor my request to re-title my accounts into my trust.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: TX

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-08-03 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 saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 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:
After requesting the delinquency notice from said creditor ( XXXX XXXX ) I received it via email from a XXXX XXXX. After looking over it to its entirety, I noticed that the delinquency notice had a XXXX digit account number different from the XXXX to XXXX digit account number that XXXX XXXX clearly states on its website that I should have. I was then told in my previous complaint that the XXXX digit account number could also be used per XXXX when calling XXXX. But where does it state that in the sales contract? Where are either of the account numbers even listed on the sales contract? Which Ive also ready to its entirety! Why is a car that was sold at an auction still in a charged off status on my credit report. A charge off is for a loss & Y'all havent lost XXXX. So wouldnt that technically be a repossession? Again INACCURATE INFORMATION. 

I accept no contract or responsibility of a contract unless it can be shown to be lawful by meeting the XXXX essential conditions of a lawful binding contract, which are 1. Full disclosure showing where I was told that I was actually creating the credit with my wet ink signature 2. Equal consideration ( XXXX brought nothing of value to the table so they had nothing to lose ) 3. Lawful Terms and Conditions ( Mine were based on fraud ) and 4. The wet ink signatures of both parties ( A corporation, which is a soul-less legal fiction, cant sign because they have no right or MIND ; and furthermore, no third party can sign or bind a contract on their behalf ). 

I will keep pushing this issue and make as many reports as I need until this inaccurate information is removed. Thanks 15 U.S.C. 1681i

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 2024-08-03 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
I looked at my report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to 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. This account, XXXX XXXX ( # XXXX ), is not complete and acccurate. And XXXX more thing aaccording to 15 USC 1681s-2 A person shall not furnishany information relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is inaccurate. Check the attachments below.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: FL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 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:
Based on the laws that protect me as a consumer the account # XXXX was removed from other credit bureaus due to discrepancy and also because it was reported illegally. This is affecting my report as a consumer and I would like it to be removed.

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 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have tried to send my disputes to the XXXX  credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
Date : XX/XX/year> Amount : XXXX Complaint : A Charged Off account is a certificate of certificate of indebtedness which means it is income and must be removed from credit report. 

No steps were taken by the company to remedy the reporting to the consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 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: CA

Complaint narrative:
XXXX TranUnion and XXXX to Remove listed Inquires. 
And produce P.O.A and Informed Them That the name XXXX XXXX XXXX and any variation of the name is attached to a Registerd Security Agrement

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 2024-08-03 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and

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 2024-08-03 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: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 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: FL

Complaint narrative:
I went to purchase my car on XX/XX/year>. I already pre-approved for a car auto loan thru XXXX XXXX financing. This XXXX XXXX XXXX where i purchased the car still ran my credit XXXX more time thru other lenders without my consent. I had no idea. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I did not authorize my credit to be ran with any of these as I was already pre-approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The credit reporting agency is reporting inaccurate personal information. I only have one current and accurate home 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 2024-08-03 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: PR

Complaint narrative:
Remove these account for improper use of my Credit Report. The payment history reflects continued reporting a charge off after this account was closed. 

XXXX XXXX account number XXXX, XXXX  account number XXXX, XXXX XXXX  account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: First Technology Federal Credit Union
State: OK

Complaint narrative:
First Tech is charging me random late fees when I'm not late. Attached is part of my statement to show a fee of {$25.00} charged on XX/XX/XXXX. You can see from the statement that my payment was made on XX/XX/XXXX, a day before my XX/XX/XXXX due date. I've also included a letter dated XX/XX/XXXX about paying {$200.00} to bring my account current, which my account shows. 

There is no rhyme or reason of how they calculate what's due, what is or isn't paid on time, or what does or does not receive a late fee. 

In XXXX, I spent hours on the phone with First Tech and spoke to a supervisor named XXXX, as I was concerned they were going to report me late when I wasn't late.

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 2024-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I lodged a complaint against my credit card company in XXXX. My card information was stolen and used for purchases last year. After months of calls I made a complaint and they finally resolved the theft portion. Problem is they keep saying I owe {$180.00} in late fees/interest from this illegal purchase. I do not owe these fees and no one will help me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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 2024-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: OH

Complaint narrative:
My personal information, including SSN, was exposed in XXXX or more of the massive corporate data leaks that occurred within the past year. An account and credit card were opened with Chime using this information - Specifically, my SSN, phone number, home address, and email address were used. At no point was any multi-factor authentication used to ensure that the person opening the account was actually me, and I was forced to go through the process of closing the accounts and determining what info of mine had been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Failure of Experian to Correct, Update, and Remove Outdated Information on Credit Report : Details of the Complaint : I am filing this complaint against Experian for refusing to correct, update, or remove outdated and incorrect information on my credit report, despite having provided all necessary documents and following the correct procedures. 

Summary of the Issue : I sent a certified letter with the required documentation to all three major credit bureaus ( Experian, XXXX, and XXXX ) requesting corrections, updates, and removal of outdated information. 
XXXX and XXXX promptly updated and corrected my credit report as requested. 

Experian, however, refused to make any changes, stating that all information must remain on my report as it is considered data. 

Details of the Dispute with Experian : Multiple Names : My credit report contains multiple names. I want it to reflect only my current legal name. 

Outdated Addresses : My report includes outdated addresses where I no longer reside and incorrect addresses where I have never lived. I need these addresses removed. I have been at my same residence for over 16 years. 

Negative Reporting from XXXX XXXX XXXX XXXX XXXX  ) : There is a negative report from XXXX, which has been resolved by XXXX and paid. Both XXXX and XXXX have removed this negative reporting, but Experian has not. 

Request for Resolution : I request that the CFPB take action to ensure Experian complies with the FCRA and updates my credit report as follows : Correct my name to reflect my current legal name. 

Remove outdated and incorrect addresses from my report. 
Remove the negative reporting from XXXX XXXX XXXX as it has been resolved and paid. 

Attachments : Copies of the certified letters sent to Experian, XXXX, and XXXX requesting this outdated, incorrect information be removed from my report. I have one legal name and one resident. 

Confirmation from XXXX and XXXX that the requested changes have been made. 

I sent the same proof of documentation to Experian, XXXX and XXXX. Along with a letter to each creditor/company stating I owe them funds. I request for proof of the contract with my wet signature and no one could provide it. Therefore, these companies should not appear on my credit report. 

Any additional documentation supporting my dispute. 
Copy of a paid receipt from XXXX XXXX XXXX - debt is paid {$38.00}. XXXX XXXX XXXX is no longer reporting as negative so why is Experian still reporting as negative on my report? 

Thank you for your attention to this matter. I look forward to a resolution that ensures the accuracy of 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