vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arcon Credit Solutions LLC
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request debt validation for an account that has recently appeared on my credit report under the names Acron Credit Solutions and XXXX XXXX XXXX XXXX. This collection account has caused significant harm to my credit profile, and I respectfully request your assistance to ensure full compliance with federal consumer protection laws. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute and verify any information reported by these companies to the credit bureaus that is inaccurate, incomplete, or unverifiable. Specifically, I am requesting that Acron Credit Solutions and XXXX XXXX XXXX XXXX take immediate action to validate the debt or remove it from my credit report, pursuant to the following FCRA protections : 1. **15 U.S.C. 1681g** - As the consumer, I am entitled to a complete and accurate disclosure of the nature, terms, and original details of the debt reported by Acron Credit Solutions and XXXX XXXX XXXX XXXX XXXX 
2. **15 U.S.C. 1681s-2** - This section requires these companies to refrain from reporting any inaccurate or unverifiable information, and mandates that the collection be removed from my report immediately until full and valid verification is provided. 
3. **15 U.S.C. 1681i** - Under this section, I have the right to dispute information. Credit reporting agencies must promptly investigate, and if the reported information can not be substantiated, they are required to delete it. 

I am requesting that Acron Credit Solutions and XXXX XXXX XXXX XXXX validate this debt with the following documentation : - A copy of the original signed contract establishing my liability, - A detailed accounting of the debt history, including any fees or interest applied, - Proof of legal assignment or transfer of the debt from the original creditor to each of these collection agencies. 

If the requested documentation is not provided or if the debt is unverifiable, I request immediate removal of the entry from my credit report under **15 U.S.C . 1681c ( a ) ( 4 ) ** to prevent further reporting of potentially inaccurate information. 

Please consider this letter as a formal notice of my intent to pursue legal remedies under the FCRA if this account is not validated and removed from my report as required by law. I request written confirmation from the CFPB on the steps taken to uphold my consumer rights in this matter. 

Thank you for your attention to this urgent request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : 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 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I have been a member with Navy Federal credit Union for many years now due to some financial hardships with me my spouse. We both have Navy Federal accounts. I have called in the past to see if I could overdraft my account until my check which was pending at the time would be posted. I was allotted a one time overdraft fee to overdraft my account up to {$500.00} since then I have gone into the the rear my paycheck, which would not show as pending deposit would be deposited and prior transactions that shouldve deducted before my check was deposited would be subtracted from my paycheck after it is posted.being with XXXX from my direct deposit after the fact and not before the check was posted causing my account to go overdraft and then receive overdraft fees per transaction. I am enrolled in the overdraft protection program and I have required over the draft amount fees several times and theres nothing that they can do about it. It shows differently on their end when I called and ask about why my account is overdrawn. Ive asked to be credited which that has happened once but other than that if I am in the overdraft protection program, then Im not sure why I am getting charged {$20.00} for each transaction that deducted from my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-11 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:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion for their failure to correct inaccurate information on my credit report, despite my previous efforts to resolve the issue directly with them. This inaccuracy involves a closed account that was fully paid ; however, TransUnion continues to report this account as charged-off. This erroneous reporting has resulted in significant harm to my credit profile and has led to multiple credit denials, negatively affecting my financial well-being. 

I sent a dispute letter to TransUnion on XX/XX/year>. I mailed the letter using the XXXX certified mail delivery and return receipt. TransUnion furnished investigation results stating that their investigation towards my dispute was complete. TransUnion stated that the account in question with the was verified and all the reporting information was correct. I tried reaching out to TransUnion via phone but the automated system was of no help. I have applied for a credit card with a company and was denied to the inaccurate information that is being reported by TransUnion on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i ( 15 U.S.C. 1681i ), credit bureaus are obligated to conduct a reasonable investigation upon receiving a dispute regarding the accuracy of information on a consumers credit report. I have submitted a formal dispute to TransUnion regarding the status of this account, providing all necessary documentation to demonstrate that the account was fully paid and closed. Despite this, TransUnion has failed to correct the reporting and continues to maintain that the inaccurate charge-off status is valid. This conduct is in direct violation of the FCRA 's requirements for accurate and fair credit reporting. 

This failure to investigate and correct the disputed information has not only caused me emotional distress and inconvenience but also tangible financial harm due to credit denials. Therefore, I am requesting that the CFPB intervene in this matter and conduct a formal investigation into TransUnion 's handling of my dispute. I believe that TransUnion should be held accountable for this violation and should be required to correct the information immediately. 

Additionally, I am requesting that TransUnion be held liable for punitive damages under Section 1681n of the FCRA ( 15 U.S.C. 1681n ), as their conduct in this matter demonstrates a willful disregard for the accuracy of my credit report and the standards mandated by the FCRA.I appreciate your attention to this matter and look forward to your assistance in resolving this issue. 

Sincerely, 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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: CO

Complaint narrative:
I had a debt with XXXX  that dates back to over 10 years ago. I already had disputed that debt thru XXXX XXXX and had the debt removed from my credit report once before. That debt was sold to Jefferson capital systems and they reported it as a new debt in XXXX. I contacted them and they sold it to XXXX. I talked to XXXX  and they were able to see it was an original debt to XXXX  from over a decade ago and they were not reporting it to the credit reporting agencies and they couldnt help me with something Jefferson capital systems did with it when they owned my debt. I disputed the debt 2 times with XXXX where it came back as a valid debt. I have another dispute in progress and called XXXX today to inform them of everything and they refuse to help me or do the proper investigation to determine that this debt should not be on my report and delete it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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.

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 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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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.

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 2024-11-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: AL

Complaint narrative:
On XX/XX/XXXX, I received a disbursement on a student loan for the amount of {$85.00}, XXXX. I began repayment on this federal student loan at this time. My original loan was held with XXXX. There was a time the loan went through a rehabilitation program with ECMC ( XX/XX/XXXX to XX/XX/XXXX ), and all criteria were met. I asked for a copy of that rehabilitation agreement, but they were not able to provide it ( see attached file ). 
After this, the loan was sold to XXXX  in XXXX, and has remained with this company until recently being sold to Mohela. 
My concern is that based on my calculated payments, I have paid over XXXX in student loan payments on an original loan amount of XXXX. According to my calculations, Navient has not applied my payments appropriately, and as a result, they claim I STILL owe XXXX. This is outrageous and predatory. When I ask for an explanation, they just send a payment schedule which I can easily access online. There is no response as to how I still owe such a large amount. If that is the case, I would not pay off the loan for another XXXX years! I understand the responsibility of paying my debt. I have been paying it for over XXXX years and have paid almost double the original amount. But to owe another XXXX seems unjustified. I do not believe I owe this. I would like a fair and honest resolution. This matter has, and continues to cause stress and hardship for myself and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: AR

Complaint narrative:
I am a victim of a recent data breach, which has led to unauthorized accounts and inquiries on my credit report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I formally request the immediate blocking and deletion of these fraudulent entries. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I have requesting on various occasions to have the debt validated. Citizen 's Bank did not provide this information. Instead, Citizen 's Bank continued with legal action, including foreclose action over the course of XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: NJ

Complaint narrative:
On XX/XX/XXXX, my partner and I applied for a used-car loan from XXXX XXXX XXXX The requested loan amount was about one-third of the purchase price and our ( as reported to us ) credit ratings were XXXX and XXXX, so we anticipated a quick approval of a loan whose monthly payment would likely be {$130.00}. XXXX did respond promptly, but rejected our application. They cited three reasons, XXXX of which we knew to be false : ( XXXX ) Wage XXXX XXXX or Bankruptcy; and ( XXXX ) Insufficient credit history. For the record, my partner and I have never been subject to Bankruptcy proceedings or ever involved with any kind of debt forbearance plan. We are retired former bankers in our XXXX with long credit histories including XXXX credit cards, home and co-op mortgages/loans and multiple automobile purchases. Thinking XXXX Bank had been supplied incorrect credit information by Experian which resulted in our rejection, I immediately filed an identical application with my primary bank, XXXX XXXX, for the same loan. Within minutes, we were approved by XXXX -- on somewhat better terms than available from XXXX Bank. I then reached out to both XXXX Bank and Experian to get our declination removed from our credit files -- where I was told it would remain until XX/XX/XXXX under a federal regulation. XXXX personnel said they were only acting on information provided by Experian and could not alter their decision or remove the record from our credit files. They sent me to Experian, where I spoke to two representatives. Neither would consider removing the declination from our credit records, although the latter did call up my credit file and acknowledged there were no mentions of bankruptcy or forbearance plans.

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

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.

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 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 2024-11-11 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: OH

Complaint narrative:
We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT I've been a victim of identity theft. I have noticed some inaccurate and fraudulent accounts on my credit report that I did not benefit from. According to 15 USC 1681 ( e ) B, this is a law for accuracy that the credit reporting agencies MUST verify in order to report any accounts to my credit. All information sold to the debt collectors and chargeoff accounts which appear on my credit, are indeed fraudulent and did not have my consent to have my information. My car loan was originally opened for $ XXXX, and accrued to $ XXXX when I was affected by XXXX. It has not been fully repossessed, as the GAP insurance company still has not even paid the loan company the amount of my GAP insurance. Also, I never authorized for a XXXX XXXX XXXX XXXX account to be opened in my name. I need these fraudulent, inaccurate accounts removed immediately. I will provide my identity theft report, my proof of address, my driver 's license ID, and proof that I was impacted by XXXX, which was after the time of when I got the car and fell behind on payments. My balance should not be $ XXXX, and when I called today, they stated I owed up to $ XXXX which would not be accurate either. 
XXXX AND TRANSUNION REMOVED THESE ACCOUNTS, BUT STILL DECIDED TO ADD THEM BACK.

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 2024-11-11 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am a victim of Identity Theft. I did not authorize this company to pull my credit. This is a fraudulent inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Google Compare Credit Cards Inc.
State: MI

Complaint narrative:
-Google Store delivered XXXX  XXXX on XX/XX/XXXX. 
-Purchase made in reliance on Google marketing about " premium '' qualities of device, implied warranty of merchantability as bolstered by Google 's commitment to sustainability - software update many years into the future of the device ownership -Generally purchase devices with major credit card in order to extend warranty support beyond manufacturer standard. Enticed and purchased this device via Google Store credit. 
-Notified Google support XX/XX/XXXXXXXX  that serious antenna malfunction, dropped calls for at least 30 days prior despite troubleshooting with Google as well as with wireless carrier, switching to new wireless carrier -After Google technical representative was unable to resolve the problem via troubleshooting was transferred to a Google representative who advised presenting the phone to a repair shop independent of Google at my own expense and my own risk. 
-Google representative ultimately offered a 20 % discount on a newer device for " loyalty ''. Google XXXX XXXX previously discontinued. Would incur substantial cost for equivalent device. Discount offered was less than other discounts offered to Google One Subscribers as well as the general public. 
-No link or instructions to use discount code provided. Concern was concluded without further action from Google.

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Sunday, XXXX XXXX I applied for XXXX XXXX credit and was not denied or approved. Learned I froze my Equifax. Now I can not access acct. online or by phone. Phone system does not hear my voice OR recognize XXXX XXXX prompts I enter.

Company response to consumer: Closed with explanation