vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-22 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XXXX XXXX You have no lawful authority to furnish my non-public personal information in regards to XXXX. I am writing to submit a complaint against Navy Federal Credit Union for their failure to comply with my request to opt-out of the disclosure of my non-public personal information, as required by 15 USC 6802 and 16 CFR 313. 

On XX/XX/year>, I submitted a written request to Navy Federal Credit Union to opt-out of the disclosure of my non-public personal information to third parties. However, despite my clear request, Navy Federal Credit Union has willfully failed to comply, demonstrating negligence and disregard for my privacy rights. 

Specifically, Navy Federal Credit Union has continued to disclose my non-public personal information to third parties, in violation of my opt-out request. This is a clear violation of 15 USC 6802 and 16 CFR 313, which requires financial institutions to provide consumers with the ability to opt-out of the disclosure of their non-public personal information. 

I demand that the Consumer Financial Protection Bureau take immediate action to : XXXX. XXXX Navy Federal Credit Union to comply with my opt-out request and cease disclosing my non-public personal information to third parties. 
XXXX. XXXX an investigation into Navy Federal Credit Union 's practices and procedures to ensure compliance with 15 USC 6802 and 16 CFR 313. 
XXXX. Impose appropriate penalties and sanctions for Navy Federal Credit Union 's willful failure to comply with my opt-out request. 

I have attached a copy of my opt-out request and supporting documentation to this complaint. I appreciate your prompt attention to this matter, and I look forward to a swift resolution. 

Also, I have tried numerous of times to get my current address XXXX XXXX XXXXXXXX XXXX, CA XXXX and XXXX XXXX Customer Service XXXX refuse to update my information. I have been locked out of getting into my online account because I have not been provided with my current account identification and when I try to chage my account the old information is still connected which was XXXX XXXX XXXX XXXX Ca XXXX and XXXX. That information is no longer affiliated with me. My contact is XXXX. Every time I call in instead of my calls going to customer service it goes straight to the collection department which they continue to try to collect on an allege debt. My last call was to get a debit card and the representative I spoke with was extremely rude and I had to disconnect the call. They did send my debit card but I was unable to log into my online service account. Any attempt to collect a debt in the future must be done under penalty of perjury from the CEO or CFO due to the fraud XXXX XXXX employees continue to allege.

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 2024-08-22 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: NJ

Complaint narrative:
XX/XX/XXXX late payment XX/XX/XXXX XX/XX/XXXX. 

Removing hard inquiries on my credit. 
Removing old addresses

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XX/XX/XXXX late payment XX/XX/XXXX XX/XX/XXXX. 

Removing hard inquiries on my credit. 
Removing old addresses

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: CO

Complaint narrative:
I have no idea what this is. I did not sign up for a credit card with this company. This is identity theft. I will file a police report today

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I SENT MY SISTERS ID WITH MY DISPUTES, IM RESUBMITTING FTC AFFIDAVIT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
I made attempt to talk to this bank, fraudulent transaction, keep getting denied,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: National Credit Adjusters, LLC
State: GA

Complaint narrative:
I don't know who this Company is, I don't have any binding CONTRACTS WITH YOU, Stop All communications until you send me All Validation of Debts Documents.Why did you report on XX/XX/year> for ( {$390.00} ) Send Me A Copy Of My ID Card So I Can See If You Have The Right Person, Thanks According to 15 U.S.C.1692 ( c ) You have VIOLATED my RIGHTS by unlawful COMMUNICATION. PLEASE Remove this Collection off my Credit Report Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: MI

Complaint narrative:
Submitting a dispute for the inquiry for company XXXX XXXX. The credit file shows that their was an inquiry as of XXXX XXXX. I did not authorize an inquiry for this date and request that this information that is being inaccurately reported be removed from the consumer file and report. I would like after that an update of the updated credit report be sent by email and the credit score is successfully updated to reflect the change. 


Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
This account has inaccurate reporting. The company has failed to properly investigate. Attempting to collect that do not belong to me. If not resolved, I will sue for damages.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I'm trying to setup bill pay from my computer. I typically use my XXXX and phone, however for work related I need to use windows. I use XXXX XXXX as the browser ( and have tried XXXX XXXX as an alternate ). I can log into my online banking, however when I go to the bill pay section I get an error : " Something went wrong. We were unable to process your request. For help, visit a regions branch or call us at XXXX. '' This problem started on XX/XX/year> where we were using the windows computer to setup bill pays, we were able to set up XXXX new payees and then all of a sudden we got that message. We were able to log onto my personal computer ; XXXX and everything was fine here until it wasn't. I called the XXXX number and put in a ticket XXXX, I also went into the branch and was able to see my bill pay profile on the bank 's window computer. I put in another ticket with them ticket XXXX. All in all, I should be able to access bill pay on any computer but specifically my personal computer ; which is a XXXX and my work computer which is a windows. They are both at the same location using the IP address or internet service provider etc. My username is 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 2024-08-22 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: IL

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: NY

Complaint narrative:
Dear Experian Dispute Resolution Team, I am writing to formally dispute the continued reporting of an account associated with XXXX XXXXXXXX ( Account Number : XXXX ) on my credit report. This account is subject to a cease and desist order, which has been placed on this creditor, mandating that they have XXXX communication with me, the consumer, through all mediums, including consumer reporting agencies such as Experian. 

The cease and desist order legally prohibits XXXX XXXXXXXX from communicating with me in any form, directly or indirectly. By continuing to report this account, Experian is inadvertently participating in a violation of this order. As such, I request that Experian immediately delete this account from my credit report to comply with the terms of the cease and desist order. 

Please consider this correspondence as my formal dispute and demand for the removal of this account. The continuation of this account on my credit report, despite the cease and desist order, constitutes a violation of my rights as outlined under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 

I expect a prompt resolution to this matter. Please confirm in writing that this account has been deleted from my credit report ( attached is the received letter from XXXX XXXXXXXX confirming the notice of cease and desist order received.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: CBC Companies, Inc.
State: WI

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/XXXX, I paid {$220.00} for a car rental reservation through XXXX using my XXXX card. The purchase was made via PayPal. The car rental was for a trip to XXXX XXXX XX/XX/XXXX - XX/XX/XXXX. 
On XX/XX/XXXX, I called XXXX to cancel the reservation because I was no longer able to make that trip. XXXX refused to reimburse me saying that the reservation is non refundable. So, I contacted PayPal who investigated the matter. On XX/XX/XXXX, PayPal denied my case. I protested the decision and they told me that they would follow-up. Weeks later, after no response, I called them and they said that they can't help me. 

I think that it is unconscionable that I must pay for a car rental that I never used. Neither XXXX nor the rental company have suffered any loss or harm by my cancelation XXXX months early. 

Reservation # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: Resurgent Capital Services L.P.
State: IN

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 unXXXX 15 USC 1681.In accordance with the Fair Credit Reporting act. 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 the information is inaccurate. 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. 
XXXX XXXX XXXX Account numbers, ( there are XXXX different accounts ) XXXX XXXX XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: WI

Complaint narrative:
Back in XXXX I ordered a product called XXXX - flexible blue tooth led screen. From XXXX XXXX XXXX XXXX. That evening I was informed by my bank that the transaction was denied for fraud protection reasons. So I requested it be canceled. Paypay.Inc of which I was going thru took it apon them self 's to process the order thru a back up payment option, which I did not authorize. I contacted them about it and they temporarly refunded me the amount for the purchase pending a review of the case. They said they contacted the seller and have since said the item was delivered and are requesting the money be sent back in return. I refuse to do this for the fact that to this day XX/XX/year> I have not received the product at my residence. I have worked for the XXXX Postal Service for XXXX yrs and have search for this item and can see where it is said to be delivered but never has it showed up at my residence and my wife can vouch for that. It may have been delivered to the wrong address or stolen but I can not provide proof of that. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: GA

Complaint narrative:
The personal information on my credit report is incorrect. I have included my documents so you can update it. Please correct and update my personal information as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: OLIPHANT FINANCIAL, LLC
State: FL

Complaint narrative:
A letter was sent to Oliphant Financial LLC a/k/a Oliphant USA LLC, how it appears on my consumer report, regarding a collections account that was placed on my XXXX consumer report. This collection agency violated the FDCPA, they were not given consent by me, the consumer to furnish any information on my consumer report nor did they have expressed permission of a court of competent jurisdiction to communicate with me in connection to the collection of an alleged debt. This third party debt collector is currently abusing my reputation by placing and continuing to communicate this alleged debt on my consumer report and damaging my reputation. I requested on XX/XX/2024 that Oliphant USA LLC cease & desist all communication on all mediums, which includes reporting on my XXXX consumer report. 
They have not responded nor have they removed the account from my consumer report. 
The FDCPA states " If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated. '' The FDCPA also states '' If such notice from the consumer is made by mail, notification shall be complete upon receipt. '' This written letter was received by Oliphant on XX/XX/2024. It has been 30 days and they have not removed this account from my consumer report. 
As of XX/XX/2024, Oliphant USA LLC is still reporting on my consumer report. I have attached the letter that was sent with the certified mail return receipt. 

I have proven that Oliphant USA LLC has failed to comply with the above stated provisions under the FDCPA, I am requesting that Oliphant USA LLC be held civilly liable for damages in the amount of {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I tried to access my account with Experian to check if my credit report was frozen. Upon logging in its authentication verification only gave me one option which was to use an old phone number that is no longer active. I was trying to verify whether my credit report was frozen given the recent SSN hacking which instructed to make sure. They were able to validate the report is frozen however when I tried to get the phone number corrected so that I could log into the website I was told to recreate an account. Their website does not work, it perpetually loops me back to signing in then tries to get me to run a credit report which it then fails to do and again loops me back to signing in. In the end their website for verifying my credit freeze is not functional and I can not seem to resolve it with their phone customer service which tells me I have to send mail to them. This is ridiculous, they are preventing a service they are required to provide. Please get them to fix their website to at the very least offer verification through a mail token of something other than a phone number. The login was create 7 years ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Cloud Willis & Ellis, LLC
State: AL

Complaint narrative:
Couldnt contact them for months gave the account to another person to collect alleged debt from me randomly call me back saying I allegedly owe more than I do also trying to charge junk fees first woman I talked to back In XX/XX/year> threatened garnishment if I did not pay the original creditor XXXX XXXX XXXX also threatened legal action against me if I did not comply with paying alleged debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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 am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. I been trying to solve this problem for some time with your agency due to the fraudulent inaccurate items on my credit report without permissible purpose. You continue to report incorrect information without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). I am a litigious consumer meaning unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice. These items should be deleted immediately while in litigation per FCRA guidelines. if you fail to comply with Federal Law and not delete these items after receiving this paperwork will result in your company owing XXXX per violation. Remove this account from my credit report ONLINE INFORMATION SER XXXX

Company response to consumer: Closed with explanation