vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Navy Federals Credit Union has reported to XXXX  regarding my payment history. Pursuant to my rights under 15 U.S. Code 1666b, I am entitled to certain protections and procedures regarding billing errors and disputed charges. 

Navy Federal Credit Union has reported that I am late on a payment to them. However, I dispute this claim and request that XXXX investigate the accuracy of this information. Specifically, I request that XXXX : 1. Verify the accuracy of the reported late payment with Navy Federal Credit Union. 
2. Provide me with a detailed explanation of the reported late payment, including the date, amount, and any associated fees or charges.

3. Provide me with the opportunity to dispute this information and have it corrected if found to be inaccurate. 

I understand that under 15 U.S. Code 1666b, XXXX is obligated to investigate and resolve disputes regarding inaccurate information in a timely manner. I urge XXXX to adhere to these regulations and provide me with a prompt resolution to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: FL

Complaint narrative:
Under the stipulations of 15 US Code 1681i ( 6 ) ( B ) ( iii ), it is mandated that consumer reporting agencies ( namely XXXX, TransUnion, and XXXX ) are required to furnish a written notification to a consumer ( in this case, myself ), upon request, detailing the methodology employed to verify the accuracy and completeness of the record information. This includes providing the name and address of any information provider contacted during the verification process, along with their contact number. Over 30 days ago, I solicited documentation to substantiate this account, yet I have received no such documentation. Without legitimate proof backing this account, it has no basis to be included 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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Under the stipulations of 15 US Code 1681i ( 6 ) ( B ) ( iii ), it is mandated that consumer reporting agencies ( namely XXXX, XXXX, and Equifax ) are required to furnish a written notification to a consumer ( in this case, myself ), upon request, detailing the methodology employed to verify the accuracy and completeness of the record information. This includes providing the name and address of any information provider contacted during the verification process, along with their contact number. Over 30 days ago, I solicited documentation to substantiate this account, yet I have received no such documentation. Without legitimate proof backing this account, it has no basis to be included in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
Subject : Complaint Regarding Alleged Debt Owed to NATIONAL CREDIT I am writing to file a formal complaint regarding a debt that I allegedly owe, which is now under the ownership of the collection agency NATIONAL CREDIT SYSTEMS. Despite the purported ownership of this debt, I have not received any written communication from this company providing details about the account in question. 

I called them and disputed this debt last year XX/XX/XXXX and this year XX/XX/XXXX. 


As of XX/XX/XXXX. XXXX, I have not been provided with an account number or any documentation from NATIONAL CREDIT SYSTEMS, leaving me unsure how to proceed in resolving this matter. The appearance of this alleged debt on my credit account without any prior notice or validation is deeply concerning. 

I kindly request your assistance in navigating this situation and ensuring that my rights as a consumer are upheld. Any guidance or support you can provide would be greatly appreciated. 

Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Failure to rectify this situation within 10 days will result in a formal complaint to the FTC. You have a legal obligation to respond within 15 days ; failure to do so constitutes a violation subject to fines up to {$1000.00}. I trust you will comply promptly to avoid further action. Please provide the investigation procedures for XXXX XXXX XXXXXXXX within 10 days to prevent escalation.

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 2024-03-04 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: MD

Complaint narrative:
I checked my credit report and noticed I have fraudulent unauthorized inquiries on my credit. I have tried multiple times to get a few of the inquiries removed to no avail. I have attached my FTC Identity Theft report and dispute letter to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to you regarding the inclusion of a charge off account on my credit report. It has come to my attention that XXXX XXXX XXXX has reported a charge off for the account numbered XXXX, and I demand its immediate deletion 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 2024-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I have an account that would soon be voted by Chase Bank and on XXXX  XX/XX/XXXX I received a text saying that they are going to closed my account due to a fraud or suspicious activity with my bank account and they wanted information and to take action before they are to close my account I called the customer support service and I told them that the check that was deposited with the amount of {$7100.00} into my account was legitimate but it was placed on hold and later XXXX returned and refunded back to the payer who made an online deposit for the deposited check so I want to file a complaint in XXXX  to make sure that the check is really legitimate and not fraud or suspicious activity and that I want my account to be reopened

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: CA

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX XXXX : {$0.00}

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JPMCB CARD reported inaccurate information to XXXX, XXXX, and XXXX. This inaccurate reporting is causing me problems obtaining accurate information about my personal banking history and account statuses. 

Per the attached copy of my credit report, the items that are inaccurate are the Date of Last Payment, Date Last Active, Last Reported, Payment Status, High Credit, and Date Opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: TX

Complaint narrative:
I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: CO

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. Please remove the following : 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 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 2024-03-04 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: CO

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. Please remove the following : 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 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 explanation
Consumer complaint received 2024-03-04 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: CA

Complaint narrative:
I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$960.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: MA

Complaint narrative:
I hope this message finds you well. I am writing rhis complaint regarding the delayed correction of late open accounts with your company. 

I have yet to receive any updates or resolutions regarding the status of my account opening requests. Given the urgency of this matter and the impact it has on my ability to access and utilize your services, I am reaching out once again to request immediate action. 

The prolonged delay in correcting these late open accounts is not only inconvenient but also reflects poorly on the level of service provided by your company. As a valued customer, I expected a more efficient and responsive resolution to this issue. 

I kindly request that you prioritize the review and processing of my account opening requests to ensure their timely completion. Additionally, I would appreciate regular updates on the progress and expected timeframe for the resolution of this matter. 

Please be advised that the continued delay in addressing this issue may compel me to seek alternative service providers. I trust that you understand the importance of resolving this matter promptly and will take immediate action to rectify the situation. With this, I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$180.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$20000.00}.

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 2024-03-04 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: MA

Complaint narrative:
I hope this message finds you well. I am writing rhis complaint regarding the delayed correction of late open accounts with your company. 

I have yet to receive any updates or resolutions regarding the status of my account opening requests. Given the urgency of this matter and the impact it has on my ability to access and utilize your services, I am reaching out once again to request immediate action. 

The prolonged delay in correcting these late open accounts is not only inconvenient but also reflects poorly on the level of service provided by your company. As a valued customer, I expected a more efficient and responsive resolution to this issue. 

I kindly request that you prioritize the review and processing of my account opening requests to ensure their timely completion. Additionally, I would appreciate regular updates on the progress and expected timeframe for the resolution of this matter.

Please be advised that the continued delay in addressing this issue may compel me to seek alternative service providers. I trust that you understand the importance of resolving this matter promptly and will take immediate action to rectify the situation. With this, I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX Balance Owed : {$180.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$20000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: CO

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. Please remove the following : 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 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
Consumer complaint received 2024-03-04 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: CA

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
On XX/XX/XXXX, PayPal permanently limited access to my account, which contained a balance of {$19000.00}. The reason provided was not explicitly stated, but I received communication indicating that PayPal would hold my funds for 180 days pending an investigation into my transactions. 

After patiently waiting until XX/XX/XXXX, which marked the completion of the XXXX hold period, The hold was lifted and the total balance was available for withdrawal, I attempted to access my account to withdraw the funds. Although the total balance was available for transfer on this date, I encountered difficulties in transferring the entirety of my balance out of the account at once. PayPal customer support advised me to transfer the funds to my linked card in sequence. Consequently, I was only able to transfer {$5000.00} to my linked card before PayPal locked the account once again and no information was provided on how to access the remaining balance of {$14000.00}. This situation has caused significant inconvenience and financial hardship as I am unable to access my own funds. I have attempted to contact PayPal customer support multiple times to resolve the issue but have not received any satisfactory resolution or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Correct the errors on my credit report immediately by deleting the late dates of the disputed items as mandated by the FCRA. Despite my multiple attempts to resolve this issue, your failure to respond appropriately is a clear violation of the law, and I demand prompt action. The FCRA provides penalties for non-compliance, and I expect you to rectify this matter without further delay or face legal consequences. XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$1800.00}. Please update ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Received a letter from XXXX XXXX XXXX indicating they can not verify the debt and need more information.

Company response to consumer: Closed with explanation