vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Hello, I am resubmitting this complaint as no actions were taken and the complaint is about federally protected activity and consumer rights i.e wire transfer, sending back ACH payments to pay debt owed, i.e. refusal to take payment to cause negative impact on consumer etc. 
1 ) I have attached proof where i set up an ach payment, it hit the account and nfcu sent it back due to the status of the account. they are not restricting access, they are preventing me from paying. Please see the attached document I printed from the account today after i tried to pay {$73.00} on the credit card and {$100.00} on the line of credit. 
per my prior complaint XXXX. They sent an email claiming insufficient funds but if you look at the account statement you will see where the funds were deposited and credited back to the originating account. I have attached the nfcu statement and the originating account statement showing the funds were available and transfered and were returned by nfcu. 
2 ) Regulation E protects me from unauthorized electronic transfer from my money market account .The Electronic Funds Transfer Act ( EFTA ) 1 requires a financial institution to conduct a reasonable investigation when a consumer disputes a transaction.

They did not do that. If so they would find that their branch agent cashed that check. Once that was done they forfeited the ability or right to stop the check, they assumed the liability under federal law. the dispute became between them & XXXX. same as with XXXX, they took funds from my account. I disputed that along with the check. NFCU reversed avis but not the cash they stole from my account after their agent cashed the check,. 
I Went to nfcu and cashed a check. I deposited cash into my money market. They waited two weeks and removed XXXX from my account. No check was stopped as the check was cashed before any funds wwas deposited. I have already complained and this bereau allowed the bank to come back with a long gas lighting response. Please reference complaint XXXX My concern was not addressed. I sent detailed explanation and proof to back up what I am saying. You can see in the bank statement where there was a branch deposit, you will see the movement of cash. Two weeks later they took cash from my money market account. They have done this three times, move money from money market account. there are rules that govern that account protected by the CFPB among other things. I attached the letter where they admitted they were wrong with XXXX and other supporting documents to the other complaint. 
Thank you in advance very respectfully XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-01-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am now opting out of any and all authorization I the consumer have given you written and non-written, verbal and non-verbal per 15 USC 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 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: GA

Complaint narrative:
The party Collection agency XXXX XXXX XXXX XXXX, Illegal furnished Information that I owed them an alleged debt, and I did not owe this agency anything. They are trying to extort me for an extension of credit, they do not have a legal right or license to collect in the state of Georgia they are located in North Carolina. I requested Validation proof of alleged debt and got nothing back but verification. I need proper proof this company has to right to collect this debt, including the original contract I made them XXXX XXXX XXXX XXXX and my signature. Transunion did show send me the documents that I requested from them how they verified the debt, what procedures were used nor original certification by the collection agency. 
Agreement with your client that grants XXXX XXXX XXXX the authority to collect this alleged debt. 
Proof you can collect the debt in the state of Georgia? 
Signed agreement the Debtor has made with the Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay the Debt collector.

Any agreement that bears the signature of the Debtor, wherein agreed to pay the Creditor.

Have any insurance claims been made by any creditor regarding this account?

Chain of title on debt?

Do you own the debt or is the debt assigned?

How much did your agency buy the debt for?

As a consumer I am exercising my rights and by law, I am requesting this information provided for validation of debt.

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 2024-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2023, Experian was notified of fraudulent information being reported on my credit report. In accordance with FCRA, I submitted all necessary forms and documentation to establish fraud claim. From time of receipt, Experian is required to delete and block all fraudulent information. Experian has failed to comply with federal regulations and has caused my credit reputation grave harm. Experian received all documents and has failed to act to ensure the consumer is being protected. According to Experian reporting this fraudulent information, my credit report shows XXXX different accounts with the same vendor for over XXXX. These accounts were not opened by me, nor did I approve anyone to open these accounts. I have reached out for documentation verifying signatures, but I have not received a response. By law, Experian is required to delete these fraudulent accounts and provide me with an updated credit report at no cost to me. Enclosed is the letter sent to XXXX ( which was included with the documentation I sent Experian ). Please remove all accounts from my credit 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 explanation
Consumer complaint received 2024-01-15 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: TX

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 XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts and inquiries as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2024-01-15 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: PA

Complaint narrative:
Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the accounts that i haveincluded screenshot inside this complaint in on dates of ( XX/XX/2023 ) ( XX/XX/2023 ) Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late.

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 2024-01-15 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: PA

Complaint narrative:
Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the accounts that i haveincluded screenshot inside this complaint in on dates of ( XX/XX/2023 ) ( XX/XX/2023 ) Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-15 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-15 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: PA

Complaint narrative:
Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of ( XX/XX/2023 ). Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late.

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 2024-01-15 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: IN

Complaint narrative:
I sumbitted a CFPB complaint regarding the accuracy of the reporting of the following account for XXXX XXXXXXXX and to my dismay they verified the reporting saying it meets FCRA XXXX. However according to FRCA - The Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by XXXX XXXX XXXX ( CRAs ). 

I have attached a screenshot of the reporting for the XXXX XXXXXXXX and you will see there are major inaccuracies in the reporting Date Opened, Date, Reported, Account Status, as well as the original creditor and account closed date.

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 2024-01-15 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: IN

Complaint narrative:
I sumbitted a CFPB complaint regarding the accuracy of the reporting of the following account for XXXX  XXXX and to my dismay they verified the reporting saying it meets FCRA requirements. However according to FRCA - The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

I have attached a screenshot of the reporting for the XXXX XXXX* and you will see there are major inaccuracies in the reporting Date Opened, Date, Reported, Account Status, as well as the original creditor and account closed date.

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 2024-01-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Global Lending Services LLC
State: IL

Complaint narrative:
I reached out to the company pertaining to alleged debt owed due Identity theft spoke to a person by the name of XXXX XXXX they sent me a document too fill out an affidavit which i sent in and also had gotten notarized but once i did i was never given a response to this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15 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: FL

Complaint narrative:
I am writing to file a formal complaint against Experian for persistent inaccuracies on my credit report that remain unresolved, violating my rights under the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to rectify these issues, I have not received adequate investigation results, and the reporting continues to impact my credit negatively. 

XXXX. XXXX XXXX ( Reference Number : XXXX ) : Experian erroneously claims to have verified a bankruptcy record with reference number XXXX through a reinvestigation. I have evidence from XXXX, the third-party vendor, confirming that no such record is present in their reports. This bankruptcy is unverifiable and must be promptly removed from my credit report. Enclosed is the Table of Contents section of my XXXX report as proof. 

XXXX. XXXX XXXX Accounts ( Account Number : XXXX ) : ** XXXX accounts under XXXX XXXX ( account number XXXX ) are inaccurately reported. XXXX account lacks payment history, while another displays inconsistent late payments. Despite my dispute, Experian has not provided investigation results. Attached is XXXX XXXX XXXX 's response dated XX/XX/XXXX confirming the discrepancies. 

XXXX. COMMUNITY FIRST CRED Accounts ( Account Numbers : XXXX, XXXX ) : Experian has not addressed my dispute regarding XXXX accounts under COMMUNITY FIRST CRED. The CFPB redirected my complaint to XXXX XXXX XXXX XXXX, causing the issue to remain unverifiable. XXXX XXXX 's response dated XX/XX/XXXX contradicts Experian 's reporting. Attached is XXXX XXXX 's response for your reference. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) is inaccurately reported by Experian. XXXX XXXX XXXX XXXX 's confirmation of full payment on XX/XX/XXXX, Experian 's reporting is incomplete and outdated. Attached is XXXX XXXX XXXX 's response for your review. 

XXXX. Bank XXXX XXXX Account ( Account Number : XXXX ) : Bank XXXX XXXX 's response dated XX/XX/XXXX, confirms that credit was revoked on XX/XX/XXXX. However, Experian continues to report inaccurate late payments and a later date of last activity. This account must be promptly removed from my credit report. Enclosed is Bank XXXX XXXX 's response.

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 2024-01-15 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 alert you about a concerning and crucial issue concerning the compromise of my social security number, leading to my victimization in a data breach and identity theft. To address this promptly, I've already reached out to the Federal Trade Commission and submitted an FTC Report with the reference number : XXXX, which is included with this letter. 

Under 15 USC 1681c-2 c ( a ), it is vital that, as a credit reporting agency, you take immediate action to block and eliminate all information linked to this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly handle such requests within XXXX business days of receiving a complaint that includes specific information, as outlined below : - 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 2024-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital Systems is sharing my nonpublic personal information with non affiliated third parties XXXX, XXXX XXXX XXXX. Jefferson Capital Systems does not have my consent to have and share my private personal information. They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. They are in violation of multiple federal laws.

Company response to consumer: Closed with explanation