vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Overdraft fees or NSF on my checking account from XXXX. Even when my account is in the negative Im charged {$20.00}, and additional NSF fees. 
No actions have been taken. I just read a class action suit against NFCU Additionally, I filed bankruptcy in XXXX and NFCU was on my bankruptcy. I owed NFCU {$840.00}, which was discharged in my bankruptcy, thereafter they would not allow me to open and account until XXXX which was a savings only. Finally, after being a member since XXXX, NFCU will not allow me to open a rewards checking account due to my bankruptcy. Im unable to get assistance with any personal loans, auto loans or anything.

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 2024-11-10 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:
In XXXX with the XXXX XXXX XXXX. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
ACCOUNTS : XXXX - Account # : - XXXX XXXX - Account # : - XXXX XXXX - Account # : - XXXX XXXX - Account # : - XXXX XXXX XXXX - Account # : - XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Account # : - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) Account # : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - Account # : - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # : - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # : - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) - Account # : - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : - XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account # : - XXXX XXXX  Account # : - XXXX XXXX  Account # : - XXXX {$690.00} 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 convic
tions 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 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:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
ACCOUNTS : XXXX - Account # : - XXXX XXXX - Account # : - XXXX XXXX - Account # : - XXXX XXXX - Account # : - XXXX XXXX XXXX - Account # : - XXXXXXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Account # : - XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - Account # : - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # : - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # : - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) - Account # : - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : - XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : - XXXX XXXX Account # : - XXXX XXXX  Account # : - XXXX {$690.00} 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2

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 2024-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: MS

Complaint narrative:
I am a victim of Identity Theft. The accounts that. Opened without my permission. This is against the federal law dispure box : 3. Yourl see all the negati " According to FCRA Section items saying " Potentially : 605B it is illegal to report anything on my credit negative report without my 6. For the reason select permission. 
Please remove this negative Please see XXXX report and a copy of the federal law 605 B

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 2024-11-10 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: Nelnet, Inc.
State: NY

Complaint narrative:
I made a balloon payment to my student loan with Nelnet in order to pay down the principal and reduce interest accruing on the account. This was done after my monthly payment had already been made. It was directed to be paid to principal only. Not only did they not follow instructions, but this months payments state that there is outstanding interest. I had called before I made the lump sum payment to verify that there was no outstanding interest amount on the account. I was told that there was none. I asked if my additional payment would be applied to principal only and was assured by the customer service person that I XXXX would be. That did not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: VA

Complaint narrative:
Subject : Complaint Against Equifax LLC To Whom It May Concern, I recently received a copy of my Equifax credit report, I noticed some late payments posted on my credit report : XXXX XXXX XXXX  XXXX Your company is in clear violation of the law. Under 15 USC 1681B- permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this account on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( I ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions- Except as provided in paragraph ( 3 ), the term consumer reportdoes not include- ( A ) Subject to section 1681s-3 of this title, any- ( I ) report containing information solely to transactions or experiences between the consumer and the person making the report ; Delete this account from my consumer report Your agency is in violation of 15 USC 1681 Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I am writing to formally dispute an inaccurate entry on my credit report related to XXXX XXXX XXXX. Remove because debt paid before collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Mr Cooper ( Mortgage Holder ) marked my account that they paid XXXX to my XXXX  XXXX XXXX on XX/XX/year>, I received XXXX cancellation notices from XXXX XXXX stating payment not received, spoke with them numerous times on phone, no payment, reported this to Mr Cooper, they informed me to check XXXX  account on XX/XX/XXXX to see if payment went through, this is not sufficient as my policy will cancel on XX/XX/year>. Mr Cooper wiped out my escrow account to pay the XXXX then asked me to contribute XXXX more to my escrow account to bring it current, which I did, but still no payment showing for my XXXX  at XXXX XXXX. Mr Cooper should have stopped payment and issued another check ASAP to bring my XXXX  current.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX is violating my rights.It is reporting repeatedly charge off and that is manipulating the statue of limitations.According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.this account is violating my federally protected rights and I demand this account be deleted from my TransUnion and also { {$100000.00} } in damages for the pain and suffering and the credit violations.it has caused me lot of pain and suffering because I'm not able to get an auto loan.delete XXXX XXXX XXXX XXXX. 





I urgently need to extend credit to recover from this hardship, but I am unable to do so because of the inaccurate and misleading information TransUnion has reported regarding the XXXX XXXX XXXX XXXX account. These denials have caused substantial harm, both financially and emotionally, and are a direct consequence of XXXX XXXX XXXX XXXX failure to adhere to the legal standards set forth by the FCRA. I. Unauthorized Access and Permissible Purpose Violation TransUnion furnished my consumer report with XXXX XXXX XXXX XXXX tax write-off without my authorization. This action constitutes a clear violation of 15 U.S. Code 1681b, which mandates that a consumer report may only be shared with the consumer 's written consent. TransUnions unauthorized access to my report is a flagrant breach of my rights under the FCRA, and such conduct is intolerable. II. Inaccurate Reporting of XXXX XXXX XXXX XXXX Account The XXXX XXXX account listed on my report is inaccurately categorized as a charge-off. According to IRS guidelines, a debt in charge-off status is considered forgiven or discharged. Despite this, TransUnion has continued to report XXXX XXXX XXXX XXXX XXXX write-off as if it were still an active debt. This misinformation is a direct violation of 15 U.S. Code 1681e, which requires credit reporting agencies to follow procedures that ensure the maximum possible accuracy of the information they report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 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: FL

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 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: NY

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2024-11-10 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: NY

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2024-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
A GA state trooper rammed my car around the same time it was repossessed before actually. I was left with debt from a car accident that was falsely built under prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: FL

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2024-11-10 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: FL

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2024-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
XX/XX/year> XXXX I try to talk to the company but no help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: United PanAm Financial Corp.
State: FL

Complaint narrative:
The company sent me a 1099 form to file to the IRS due to the vehicle was sold.

i moved. several times i have to look for the paperwork.and the vehicle in question was involved in an accident and the company wanted me to commited insurance fraud so this is a retaliation towards me.i just want it remove from all showing creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: MECHANICS BANK
State: CA

Complaint narrative:
The steady harassment the call after call from different numbers and also before 60 days they send you over to the repossession company who threatens you consistently. I have been called and not was spoken to politely I was spoken to rudely to give up the car. I spoke to a representative who was overlooking the account who advised the way they have my payment setup I will never catch up I will be paying ever two weeks for this car. Mechanics Bank customer service is just horrible when you have a loan with them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AL

Complaint narrative:
I emailed the company a debt validation letter. No response, I even sent a follow-up email still no response. I have even tried to dispute with XXXX. 






I would like for debt to be removed from credit reports and rental history while under investigation. Cease and desist all collection activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: American First Finance, Inc.
State: GA

Complaint narrative:
This company preyed on XXXX Spouse. By not knowing the law in accordance to the Military Lending AcXXXX. The lender/Institute persuade the spouse into signing for the credit with High Interest rate over 36 % in violation of the Military Lending Act. The Institution is called American First Finance. They never respond to me regarding this unfair Lending that destroyed my XXXX  career at this moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : 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