vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: First National Collection Bureau, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX I received an image via text with the following message : FROM : First National Collection Bureau , Inc . 
TO : XXXX We are contacting you regarding an important personal business matter. This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a text from a debt-collector. 
Call us at XXXX or visit us online using reference number XXXX at fncbinc.com. Reply STOP to stop texts. 

I also received the following text message : Call us at XXXX or visit us online using reference number XXXX at reminder.fncbinc.com/fncb Reply STOP to stop texts. 


I received these messages on other occasions : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX, I received these messages from the number ( XXXX ) XXXX. On XX/XX/XXXX, I received these messages from ( 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 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
Apple Card by Goldman is sending my financial data and statements to the wrong email address I do not possess and is unwilling and unable to 1 ) Change the email address to the correct email address OR 2 ) Stop sending my data to the wrong email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/1978 I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX {$1900.00}

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 2023-11-10 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: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
I filed XXXX  XXXX bankruptcy about XXXX, XXXX XXXX XXXX, and it was discharged in XXXX. During this, I reaffirmed or in other words, kept my car loan and the bankruptcy was discharged. GM Financial now refuses to report my monthly payments to the credit bureaus, thus preventing me from searching for different refinancing options as these possible new lenders can not find a vehicle in my credit report, and GM Financial is also preventing a credit score increase as time goes on essentially attempting to trap me in a vehicle loan with no benefit to my credit score. I will work with my credit union to refinance the vehicle if a solution is not created, as I have auto financing history built with them. I have already made a complaint with XXXX, and I would have not reaffirmed on the vehicle had I known they would not be reporting my payments to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have had a dispute with Capital One for over a year regarding incorrect amounts they have for my account, they claim I owe over {$700.00} but the card was not used by me for months before the balance was that high, I made them aware of this and they continue to play games and not respond to emails, I am currently on the phone with Capital One right now and the guy is saying there was no dispute filed but I have a digitally certified email from Capital One saying they filed a dispute for me. 
I have faxed, emailed, sent certified mail, and called them regarding proof and documentation and they always claim it was never received and then do not respond back to help me fix the balance on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX account : XXXX XXXX XXXX {$9600.00} XXXX XXXX XXXX XXXXXXXX = {$400.00} XXXX {$1400.00} XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX {$3600.00} XXXX {$350.00} XXXX {$350.00} XXXX XXXX {$1400.00} XXXX  {$1100.00} ( 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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX account : XXXX XXXX XXXX {$9600.00} XXXX XXXX XXXX XXXX XXXX  {$400.00} XXXX {$1400.00} XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX {$3600.00} XXXX {$350.00} XXXX {$350.00} XXXX XXXX  {$1400.00} XXXX {$1100.00} ( 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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate and incomplete that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate and incomplete information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct starting with the List of accounts. If not, please remove it from my credit report Immediately. 
Inaccurate and Incomplete Information 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 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: TN

Complaint narrative:
Incorrect information on my credit report. did not want to be completely modified.

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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX {$0.00} 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 2023-11-10 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Please see my previous complaint from XX/XX/XXXX. AmEx responded to you on XX/XX/XXXX. They LIED to you ( again, the third time! ) that this Dispute was closed in my favor and that monetary relief was provided. As of today, XX/XX/XXXX, this Dispute is still " In Progress '' ( open ), and the tentative resolution date is XX/XX/XXXX! Please see the attached. How many times would you accept a lie from AmEx? 
PLEASE help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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 have dispute this same issue numerous times now and they still keep coming back with the same answer. Almost like they're not actually trying to help me. I am a victim of Identity Theft. I have sent all the supporting documents including proof of resident, SS card, Drivers License, police report, Etc. no one is trying to help me at all. The next step is to hire an attorney for both XXXX and Experian. Someone earlier this year stole my identity, used my maiden name and my ss # to obtain a student loan through XXXX to attend a school in Louisiana for {$4700.00}, a place I have never lived nor gone to school. Ive called so many times sent some much proof just to still be told it belongs to me. I went through the same thing with XXXX and XXXX, they ended up removing it after multiple investigations and complaints on my end. This is honestly causing so much XXXX then you can imagine. I cry constantly and ive lost hope that anyone will do their job properly. Ive even called the non emergency line in Louisiana in an attempt to file charges against this person. No help there. I need this removed so that I can finally be able to get a home for me and my children. This has caused so much already. I called XXXX and they told me to changed the number on the account that the person opened and other information on the account so the person originally opened it can no longer have access. And to send in this forgery application and proof of residents at the time it happened and drivers license, and ss card which I did. I don't knw what else to do. PLEASE HELP!!!

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 2023-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX whose collection agency is Portfolio Recovery Associates LLC is reporting a collection amount of {$1100.00}. This collection agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Self Financial Inc.
State: MI

Complaint narrative:
I submitted a dispute to Self Lender via email on XX/XX/2023 and via mail as well. The mail communication was sent on XX/XX/2023 and received by Self Financial on XX/XX/2023. The communication was a dispute for the account number According to the FCRA 623 ( A ) ( # ) and ( A ) ( C ) and FDCPA 807 ( 8 ) the data furnisher has a duty to provide notice to the credit bureaus within 30 days. Self Financial was required but Failed to notify the credit agencies of the dispute and therefore. I also contacted the credit reporting bureaus disputing this account and they failed to add the notice of dispute this account. Please see attached report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I discovered these alleged hard inquiries. I do not recall authorizing these inquiries and I would like to see these deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/23 I was denied my own extension of credit which is fraud. I signed the application which they securitized and made a security. I wrote them a letter stating I am writing to dispute the adverse action taken against me by your institution, which I believe to be in violation of 12 CFR Part 1002 Regulation B, Title 15 U.S. Code 1602 ( p ), Title 15 U.S. Code 1644 ( f ), and Title 15 U.S. Code 1611. The adverse action in question pertains to the denial of my recent application for [ Credit Card ]. 

On [ XX/XX/23 ], I received a written notice from your institution, indicating that my application for [ credit card ] has been denied. The specific reason ( s ) as to why I was denied is irrelevant because I have the right to credit and withholding my securities is securities fraud! Your institution is in clear violation of the Equal Credit Opportunity Act and Consumer Credit Protection Act! 

In light of the above violations, I kindly demand, Since I have been denied access to my own credit, that you please retract my application! 
Please acknowledge receipt of this dispute letter within 10 business days and inform me of the actions taken to address my concerns. Should you require any additional information from me to facilitate this process, please do not hesitate to contact me. 

UCC-1 filed by the federal reserve system tells me that I am entitled to my own extension of credit. See attachments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
This complaint arises from Navy Federal breach of contract, unjust enrichment, and violation of the Uniform Commercial Code ( U.C.C. ) in relation to a negotiable instrument, specifically a coupon note, which I issued but subsequently refused to honor. 

I entered into a financial agreement with [ NAVY FEDERAL CREDIT UNION ]. 
As part of this agreement, Navy federal issued to me a Bond Statement and a coupon note. These are recognized as negotiable instruments under U.C.C. Article 3. 
XXXXXXXX XXXX XXXX XXXX XXXX defines : Coupon notes- Promissory notes with coupons attached, the coupons being notes for interest written at the bottom of the principal note. 
Coupons- They are written contracts for the payment of a definite sum of money. They are deemed negotiable and distinct promises. This is supported by Thompson V.

Perrine, 106 U.S. 589, 1 S.Ct. 564, 27 L.Ed. 298. 
Relying on this established interpretation and precedent, I sought to enforce this coupon note through endorsement and transfer in good faith, as stipulated in U.C.C. 
3-301. 

If such a promise to pay is rendered invalid, it casts doubt on the legitimacy of the entire debt. As established in U.C.C., the debt is either considered satisfied or entirely nullified. 
Navy Federal refusal to honor this note, despite my actions in alignment with the U.C.C., amounts to a full discharge of the debt as per U.C.C. 3-603.

It falls upon Navy Federal to demonstrate that the issued coupon note does not fulfill the criteria established in the U.C.C.

By not acknowledging my rightful claim, I unjustly benefits from the security of the landed estate, which has been trustfully placed into the XXXX XXXX Living Trust. 

UCC-1 Filed by The Federal Reserve even says that all bills are prepaid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX was informed that they were falsely reporting to the credit bureaus and that by doing so it was negatively impacting my credit score. I was informed that the account updated and reflected a {$0.00} balance. I informed that I would need a police report validating that the account was fraud. That's the only time they delete accounts from the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX was informed that they were falsely reporting to the credit bureaus and that by doing so it was negatively impacting my credit score. I was informed that the account updated and reflected a {$0.00} balance. I informed that I would need a police report validating that the account was fraud. That's the only time they delete accounts from the credit bureaus.

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 2023-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
As directed by congress interest was meant to begin accumulating which began in XXXX this year, however, my loan site Aidvantage is saying I have missed a payment which doesn't match how often payments should have started back up for. Payments began in XXXX, I made my payments for XXXX and XXXX so far however, they're saying I've missed a payment which I know I haven't they double charged me in the month of XXXX and I'm upset as this is messing with my payments I have made so far and I'm finding this to highly unethical of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: NJ

Complaint narrative:
I've recently come across some negative charge off accounts on my credit report that I was unaware of, and I find it hard to believe that these accounts were posted without my knowledge. Thus, I'm reaching out, because I need your help in removing these four misleading and incorrect accounts promptly. 

Let me tell you that I never had any outstanding balances on these accounts. Moreso, I never authorized anyone to include these items in my credit report. These entries don't even reflect my current financial status or situation. 

XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX I trust XXXX you can assist me in the removal of these incorrect items and have them corrected right away.

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