vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal FAILED to verify the debt in question. They acknowledge my CFPB complaint and sent ME a screenshot of the notice for Adequate Assurance of Due Performance and IGNORED the affidavit. Simply sending me their companys statements as proof of debt instead. I have now sent them a BILLING ERROR NOTICE via certified mail. Navy Federal Credit Union MUST CEASE AND DESIST ALL COLLECTIONS AND COMMUNICATIONS that is NOT a response rectifying this matter. This includes ALL ACCOUNTS TIED TO THIS LOAN, including the ones under XXXX XXXX XXXX, whose name is also attached to this loan and the Billing Error Notice ( see page 1 ). Notice, it is fact affiant is aware that without resolving this billing error the creditor has legally forfeit all right to collect on the amount in dispute pursuant to 15 U.S. Code 1666 ( e ).

Notice, it is fact affiant is aware 15 U.S. Code 1637 ( b ) ( 2 ) ( a ) refers to a request to resolve a billing error by providing all documentary evidence for clarification of who funded this account and whose obligation it is to pay this alleged debt on this account. XXXX. Until then Navy Federal Credit Union CAN NOT report late payments in accordance with the regulations of the Bureau 12 CFR 1026.13 ( d ) ( 3 ). Sending me your companys statement as proof is not substantial. XXXX is also aware that claiming there is a debt to be owed is XXXX  to the United States!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I write with utmost concern and urgency regarding the blatant violations present on my credit report. The following fraud account and unauthorized inquiries have been made without my explicit consent, constituting not only a severe breach of privacy but potentially identity theft. 1. Midland Credit Management XXXX 2. XXXX XXXX XXXX XXXX XXXXThis egregious violation not only questions the integrity of my personal information but raises serious concerns about identity theft in addressing these unauthorized inquiries, several key legal violations come to light. 1. Fair Credit Reporting Act ( FCRA ) Violations. Section 604. The inquiries lack permissible purpose, violating my rights to privacy. Section 606. The disclosure of investigative consumer reports occurred without proper authorization, Section 609. I have not been provided with adequate disclosures about these inquiries and fraud accounts. Section 611 : The procedures for disputing inaccuracies have been overlooked. 2. California Consumer Protection Code Violations. Title 37, Chapter 20 : Unfair or deceptive acts or practices have been committed. Section 37-20-110 : The unauthorized inquiries and accounts are clear violations of this code. Title 37 Chapter 20 : Unfair or deceptive acts or practices have been committed. Section 37-20-160. Procedures for correction of inaccurate information have been disregarded. I demand an immediate and thorough investigation into these violations, with prompt removal of these fraud accounts and unauthorized inquiries from my credit report. Failure to do so will compel me to take further legal action to protect my rights and seek redress from damages incurred. I am being violated by the Equal Credit Opportunity Act, as well as teh Consumer Credit Protecction Act. Your swift and decisive action in rectifying these violations is not only legally mandated but also essential in restoring the integrity of my credit history. I anticipate your cooperation in this matter and expect resolution within a reasonable timeframe. This complaint was construed and submitted in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc.
State: SC

Complaint narrative:
I received a letter from Nelnet asking me to pay a debt for XXXX due to late account being late but according to 15 USC 1666b ( a ) Acreditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I received a call prior XX/XX/XXXX but the employee refused to give me her name and employee number so I told her that its a violation for her to call without my written consent and to please send me a copy of my original promissory note with my wet-ink signature for not only validation but verification of the debt and to please take notice of the opt out notice that was sent on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: NV

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2024-01-18 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: PA

Complaint narrative:
I submitted my dispute via XXXX on XX/XX/XXXX and Credit Reporting Agency received it on XX/XX/XXXX and sent me the results on XX/XX/XXXX ( XXXX ) Days. 

The basis of my dispute was that my privacy rights are being violated.

FCRA Section 602 states I have a right to privacy and FCRA 604 ( A ) states a credit reporting agency can not furnish an account without my written instructions.

By not replying in a timely manner to my initial dispute you have not only violated Federal law, but you have failed to provide a copy of any viable evidence, bearing my signature showing that the account ( s ) are being reported with my written instructions in accord with laws that protect me as a federally protected consumer which is FCRA 602 and FCRA 604 ( A ) .Be aware that I am making a goodwill attempt to have you clear up this matter.

The listed items that were verified /updated I want deleted due to your untimely investigation : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 
Trade : XXXX XXXXXXXX XXXX XXXXXXXX. 
Trade : XXXX XXXX XXXX # XXXX. 
Trade : XXXX XXXX / XXXX # XXXX Trade : XXXX XXXX XXXX XXXX. 
Trade XXXX XXXX XXXX XXXX XXXX 
Trade XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Trade : XXXX XXXX # XXXX. 
Trade : XXXX XXXX # XXXX : Trade : XXXX XXXX # XXXX. 
Trade : XXXX XXXX XXXX 

I am maintaining a careful record and will file a complaint in court if you continue in your non- compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ) you may be liable for your willful non-compliance.

I will be seeking {$1000.00} per violation.

1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of Fair Credit Reporting Act

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 2024-01-18 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXXXXXX 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 2024-01-18 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: NV

Complaint narrative:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 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 2024-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TN

Complaint narrative:
Chime failed to properly look into the complaint. I had solid evidence proving the dispute should have been accepted. I am unsure if the person working on the complaint did not view all of the documents or whatever the case may be. I refuse to contact the chime number because any complaint does not help. They brush it over or just send you to an automated voice. The replied after I requested the information, and I did not receive an email with the documents that used. They just said, " We sent you an email with attachments of what we used ''. I will attach the reply I got back from them. Chime is known to deny almost every chargeback request that has been given. Anytime you look up dispute with chime, its denied and they recommend filing a dispute. My next stop is to switch bank accounts and file a lawsuit if chime does not fix this issue. I bought a chair and the company failed to honor their warranty ; therefore, I contacted XXXX XXXX XXXX told me to file a chargeback because it was past the 30 days. I contacted the XXXX  and Chime still failed to assist. They wont even provide the documents used to make the decision. They said they sent a email, but the attachments were never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
On XX/XX/XXXX I made an error and sent my mortgage payment to my credit card, they are both Chase bank products. It created a large credit on my credit card. On XXXX XXXX I realized what I had done and called the Credit Card division and asked if they could transfer the credit to my Mortgage account ( I can see both accounts on one page on the web site, so I am assuming they have the same information ) I was told that they could do this and that it would take 7-10 day, after two weeks when it did not happen I called them again and this time I spoke to XXXX ( she would not give me a last name ) she said she could see the first call and could also see that nothing was done, and she did not know why, she said she would submit a complaint and the transfer should be done in the next 7-10 days, again it did not happen, now I have a late fee and past due notices on my mortgage. I have sent several secure messages to the bank and asked if it was faster to send me the credit, to please do that so I could pay the mortgage, that has not been done. 
I called again and spoke to a supervisor named XXXX from credit card side, also on the line was a rep. from the mortgage side. They said it was being taken care of and that my late fee would be credited back. She said 72 hours. Now today more than 72 hours after that I get a message that they can't do it and will not credt the late fee. I need a way to get to the money so I can pay the mortgage. What should my next steep be?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: DISCOVER BANK
State: GA

Complaint narrative:
On XX/XX/XXXX I submitted information to all companies that were listed on my credit report. I never gave written or verbal consent for any company to report anything on my report except the date the account was open, pay status, and loan type. 
Per 15 USC 6801 ( FCRA ) it is policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non-public personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/XXXX I submitted information to all companies that were listed on my credit report. I never gave written or verbal consent for any company to report anything on my report except the date the account was open, pay status, and loan type. 
Per 15 USC 6801 ( FCRA ) it is policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non-public personal 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 2024-01-18 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: TX

Complaint narrative:
I recently received a copy of my credit report and noticed that there is an unauthorized inquiry on it. This has hurt my chances of applying for a new credit. I demand that you remove the inquiry immediately. 
XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: GA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 explanation
Consumer complaint received 2024-01-18 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: CA

Complaint narrative:
Hi my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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: CA

Complaint narrative:
Hi my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items 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 explanation
Consumer complaint received 2024-01-18 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: GA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I got a copy of my credit report and noticed an inquiry that I did not authorize! 

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 explanation
Consumer complaint received 2024-01-18 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. 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 2024-01-18 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. 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