vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX also CAPITAL ONE XXXX15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05 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: OH

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights. Under the federal guidelines 15 usc 1681 section 602 state I have a right to privacy. Under 15usc 1681 section 604 a section 2 also states that a consumer reporting agency can not furnish an account without my written consent. Under 15 usc Section 166b a creditor may not treat a payment on a credit card account, car payment account under a open end consumer credit plan for any purpose

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 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ProCollect, Inc.
State: CA

Complaint narrative:
I request original copy of account from pro collect I have not received anything I have no knowledge of the account pro collect and would like this account removed immediately

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 2023-11-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have two hard inquiries on my credit report cards. I did not open Capital One and XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05 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: OH

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights. Under the federal guidelines 15 usc 1681 section 602 state I have a right to privacy. Under 15usc 1681 section 604 a section 2 also states that a consumer reporting agency can not furnish an account without my written consent. Under 15 usc Section 166b a creditor may not treat a payment on a credit card account, car payment account under a open end consumer credit plan for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05 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: OH

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights. Under the federal guidelines 15 usc 1681 section 602 state I have a right to privacy. Under 15usc 1681 section 604 a section 2 also states that a consumer reporting agency can not furnish an account without my written consent. Under 15 usc Section 166b a creditor may not treat a payment on a credit card account, car payment account under a open end consumer credit plan for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: VA

Complaint narrative:
In XXXX of XXXX, I applied for the new student loan SAVE plan, in an effort to reduce my monthly student loan payments. I currently owe over {$180000.00} in student loans ( including interest ). I received a letter from the loan servicer, Mohela, on XX/XX/XXXX, stating that I did not have at least {$30000.00} in Federal Student Loans that would allow me to qualify for the SAVE plan and an extended loan repayment. I dont know how this is possible when I do, in fact, owe over $ XXXX in student loans as stated above. 

I have been waiting for several months to receive an update on my payment plan, and I believe the information provided is totally erroneous and should be corrected as I believe that I do, in fact, qualify for a reduction in my monthly payments. This is completely unacceptable and I believe this is an attempt made by the loan servicer to try to extort as much money as possible from students who have higher loan balances.

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 2023-11-05 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: PA

Complaint narrative:
I had two hard inquiries on my credit report from XXXX XXXX and 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 2023-11-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
The creditor offered an offer for an extension of credit as a purchase money loan. I accepted the counteroffer in the amount of XXXX. In return for the credit in the amount of XXXX I sold Navy Federal Credit Union a Note for XXXX for valuable consideration. 
The note was payable to the order of Navy Federal Credit Union ( creditor ), signed by the ( borrower ) and dated XX/XX/2023 on its face in accordance with the Bill of Exchange Act of 1882. 
The creditor has continued to request other acts beyond the payment of the loan which violates simple contract law. They have now caused commercial harm by presenting negative and derogatory items to companies even while I complied with the payment of monthly bills. 
This is the second complaint filed for remedy. The last response was not accepted by the borrower and this is the second notice, giving the creditor an opportunity to cure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My name is not reporting. Resolve it. I don't recall this DATE OF BIRTH being correct. Resolve it. CURRENT ADDRESS is not reporting correctly. I need action to be taken to fix the reported issue. PREVIOUS ADDRESS is not reportng correctly. It needs to be resolved quickly. I don't recall this employee being correct, The date should be 100 pecent correct and complete. ACCOUNTS : XXXX XXXX  XXXX IS INACCURATE IT DOES NOT MATCH 100 PERCENT WITH OTHER BUREAU REPORTS. INVESTIGATE AND DELETE. XXXX XXXX XXXXXXXX TRADELINE is INCORRECT. According to ftc says you must investigate. In compliance with 611 of the ( FCRA ), which requires bureaus to investigate. I sincerely appreciate your consideration of this isssue and the careful work you put into settling conflcits like this one. I'm looking forward to hearing from you as soon as possible and seeing this these errors corrected.

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 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is not reporting. Resolve it. I don't recall this DATE OF BIRTH being correct. Resolve it. CURRENT ADDRESS is not reporting correctly. I need action to be taken to fix the reported issue. PREVIOUS ADDRESS is not reportng correctly. It needs to be resolved quickly. I don't recall this employee being correct, The date should be 100 pecent correct and complete. ACCOUNTS : XXXX XXXX XXXXXXXX IS INACCURATE IT DOES NOT MATCH 100 PERCENT WITH OTHER BUREAU REPORTS. INVESTIGATE AND DELETE. XXXX XXXX XXXX TRADELINE is INCORRECT. According to ftc says you must investigate. In compliance with 611 of the ( FCRA ), which requires bureaus to investigate. I sincerely appreciate your consideration of this isssue and the careful work you put into settling conflcits like this one. I'm looking forward to hearing from you as soon as possible and seeing this these errors corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Mobile banking is used more so than in-bank services. I am unable to utilize the ability to close a single credit card account on the mobile account thus I believe I am blocked from closing my account in a simple way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX is reporting invalidated information about me, XXXX has never responded to any debt validation request and has never proven to have loaned consumer any money. XXXX has not provided a full account number nor any lawful binding conspicuous contract between consumer and XXXX XXXX. Monthly statements which are in the positive does not prove a debt exist. XXXX is reporting this invalidated negative information just because XXXX XXXX and their debt collection law firm are claiming the debt exist but have never responded to any of my debt validation request which is proof of XXXX XXXX unwillingness to validate. This is all truth and fact as XXXX XXXX  has no proof of any information requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion is missing 2 accounts from my credit report. I am an authorized user on both accounts which is showing on my XXXX and XXXX reports. I have tried to find out why isnt it showing on my TransUnion 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 2023-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Resurgent Capital Solutions has been emailing, texting and calling from a private number since XXXX XXXX. As you will see in the screenshots provided they called from a private number @ XXXX XXXX, which is before the beginning of the timeframe that debt collectors are required to follow. Next they are sending multiple emails per week and also texting me in between their emails which is also against the requirement for frequency of communication. I have never received a debt validation document as also required by federal guidelines from this company. I dont have a contract with them for the amount they are stating I supposedly owe. I believe this is harassment and they have not followed federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/23 I made a deposit to my checking account at a Navy fcu atm. On XX/XX/23 I received a letter dated XX/XX/23 unsigned from the security department stating that they we're delaying {$270.00} of my total deposit of {$500.00}. j That they were taking this precaution because they have reasonable cause to believe that the check is uncollectible from the paying bank based on confidential information that indicates that the check may not be paid. There was no reasonable cause to doubt collectivity & this was an outright violation of section 229.13 of regulation cc. This was a check written from one of my accounts to navy fcu, the check was signed and listed my name & address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is missing 2 accounts that should be reported on my credit report. Which is causing me and stress trying to figure out where is my account

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 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: TN

Complaint narrative:
I am writing to express my concern regarding the unresolved status of my account despite multiple attempts to rectify the situation. To date, I have submitted three separate requests via your website, email, and telephone services to address an issue pertaining to my account balance, which has been paid in full. Regrettably, I have not received a response, nor has the matter been resolved. 

Furthermore, I have initiated disputes with all three major credit bureaus as my account continues to inaccurately reflect an outstanding balance. Despite these efforts, the credit reports remain unchanged, indicating that I owe a balance that is incorrect. 

I earnestly request your immediate attention to this matter. Prompt and decisive action to update my account status with the credit bureaus is imperative to rectify this error. 

Thank you for your attention to this matter. I am looking forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Account was not mine, someone must have stolen my mail or my info and activated the card. Because I never used it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
After my most recent payment the company arbitrary placed me in a position to lose possession of my vehicle. These action was committed by the lender immediately after I filed the most recent complaint against TitleMax in regards how they are handling my account. 
The most recent payment of {$250.00} was submitted to the company, but the documentations of the payment is contradictory of it's related documents. 
As of this day I am placed in a position to lose my vehicle to because of TitleMax 's predator lending behavior and to now include retaliation against me by this current action due my previous complaint filed with CFPB against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: TX

Complaint narrative:
Purchase a wedding dress from XXXX XXXX XXXX in XX/XX/2023. In XX/XX/2023 when the dress was due to be delivered, we found that the store had a note on their door that they have been shut down due to not paying the rent. We then received an email from, the merchant letting us know to contact the designers warehouse to find our dress. Once I contacted the designer warehouse, I discovered that the money that I had paid XXXX XXXXXXXX never paid that towards the dress. I then had to find another XXXX and pay full price for the dress and have it delivered to them. I had made a payment of {$1400.00} which was never applied towards the balance of the dress. I then had to pay an additional XXXX to re-purchase the dress and veil. I had forwarded both the original receipt from the boutique that closed down as well as the receipt where I had to re-purchase the dress because it was never paid for. I then was able to get an email from the merchant stating that I did make the payment, I did not receive the merchandise and I was due a refund and Discover still saying that it is a valid charge him or not take that charge off of my card. I am basically paying for a charge that I did not receive any merchandise for. This made national news when XXXX XXXX XXXX XXXX affected several Brides for the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights.

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

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 2023-11-05 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights.

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

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