vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

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 2024-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I recently sent an Identity Theft report filed through the FTC to all 3 major credit bureaus- XXXX, XXXX, and XXXX. I have a credit card account through Citibank that is Identity Theft and all 3 bureaus denied this report. 

I have attached a copy of the letter sent to XXXX with all of the supporting documentation regarding what I sent to all 3 bureaus regarding my ID theft.

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 2024-07-17 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I asked these companies to send me prof that these were my bills my credit has be compromised due to identity theft from breach of several companies being hacked

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 2024-07-17 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I asked these companies to send me prof that these were my bills my credit has be compromised due to identity theft from breach of several companies being hacked

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 2024-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
The following was received from Chase Bank. This is the 3rd complaint made and I will continue until I receive a refund. Complaint # XXXX and # XXXX NOTE : " We reviewed your claim for the {$790.00} unauthorized check payment. We confirmed the claim was filed on XX/XX/XXXX, the claim was worked on XX/XX/XXXX and sent to the bank on the first deposit ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. We followed up on XX/XX/XXXX. Unfortunately, we have not received a response to the claim yet ... ... In terms of your reimbursement request, we can provide you with a provisional credit if you send us a copy of the Declaration of Unauthorized Endorsement or Altered item '' how can you ask for something that that you have, you have this information. Reference # XXXX. 

THIS IS THE ISSUE : To whom it may concern : This email is a followup to a followup to a followup.. As of today not much was done. Can a reply be sent in the form of regular mail to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

This is the matter in question : This is in reference to check number XXXX written on XXXX XXXX XXXX pay for {$790.00} to XXXX XXXX XXXX XXXX on XX/XX/XXXX, ( PLEASE NOTE THE DATE ) by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never received this check, the check was never cashed by XXXX XXXX XXXX XXXX nor was the check deposited into his account, also the check was never endorsed. However the check was deposited into a XXXX XXXX XXXXXXXX account, this was found out after contacting Chase Bank. 

Several claims were filed with Chase Bank XXXX XXXX XXXX was told after contacting Chase Bank they were waiting to hear from XXXX  XXXX XXXX. As of today XXXX XXXX XXXX has not received a refund. Several contacts were made with Chase Bank since the original claims. XXXX XXXX XXXX was recently told the case was turned over to XXXX XXXX XXXXXXXX and they are waiting for a response. 

I would like to have a response in reference to this matter. 
Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 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: SC

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal 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 2024-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I was reviewing my credit report and noticed that I had some collections that weren't mine

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 2024-07-17 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: AZ

Complaint narrative:
Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete this account. 

2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 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: MO

Complaint narrative:
Under the Fair Credit Reporting Act, the list of Accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681. 

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 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 6802, which you can include and state that you DID NOT receive the required opt-out notice when you created the account being reported ( they never give you the opt-out notice ). You have a right to opt out of any non-public info reporting. 

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my written consent 15 U.S.C. 1681c - Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions for crimes, that antedates the report by more than seven years. 

15 U.S.C. 1681c - Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions for crimes, that antedates the report by more than seven years.

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 2024-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I opened a Barclays credit card that charges an annual fee. I was most recently charged an annual fee on approximately XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX card membership year. 

On approximately XX/XX/year> Barclays unilaterally closed the credit card account. The annual fee was not refunded, despite the account was closed near the beginning of the membership year and I can no longer use any of the cardmember benefits for the majority of the year that the fee was paid for. 

I called Barclays on around XX/XX/year> to request a refund of the annual fee ; Barclays representative refused the request. On around XX/XX/year> I submitted a formal complaint to Barclays regarding the annual fee refund not being refunded ; I received a confirmation number and the representative promised Barclay will reply within 48-72 hours. I did not receive any such reply.

CFPB should investigate the prevalence of such overcharged and non-refunded annual fees paid by consumers when banks like Barclays unilaterally decided to close the credit card account that charges an annual fee for benefits.

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 2024-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> [ Well fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Unauthorized Disclosure of Personal Information under 15 USC 6802 To Whom It May Concern, I am writing to dispute the unauthorized disclosure of my personal information by your company, which I believe violates the Gramm-Leach-Bliley Act, specifically 15 USC 6802.

Under 15 USC 6802, a financial institution must provide notice to consumers about its privacy policies and practices, and consumers must be given the right to opt out of the sharing of their nonpublic personal information with nonaffiliated third parties. I did not receive any such notice from your company, nor did I provide consent for my personal information to be shared.

It has come to my attention that my personal information was disclosed to [ Name of Third Party ] without my authorization. This unauthorized disclosure is a clear violation of my privacy rights under 15 USC 6802.

I request that you immediately cease any further unauthorized disclosures of my personal information and provide a detailed explanation of how this breach occurred. Additionally, please confirm in writing that my personal information has been removed from any unauthorized databases and that you have implemented measures to prevent such occurrences in the future.

Thank you for your prompt attention to this matter. If you require any further information from me, please contact me at the address or phone number listed above. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I want to put a deposit of {$200.00} down on a vehicle through an advertisement on XXXX XXXX  and it turns out it was a scam and the person just took my money. This occurred on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I was contacted by a collection agency called Credence concerning a debt owed on an account with XXXX XXXX XXXX XXXXXXXX .I never opened or set up equipment or ever had the service with XXXX XXXX it is showing up on my credit report as a debt owed from XXXX spoke with this company when I moved into my house in XXXX but decided to go with another internet provider because XXXX XXXX  wanted to ship the equipment out to me and I didnot want to wait on the process of me recieving the equipment and doing the self install instead i contacted another company and have been with them since XXXX and i have billing statements as proof this company is not happy that i chose another service provider and is now illeagally trying to get me to pay them XXXX I never signed anything or agreed to there service there eqiupment arrived i refused the box because at that point i had service with another company. I didnt even open the box or set up there equipment how could i be charged an early termination fee for a service i never installed never recieved a bill for and with no equipment could be charged numerous diffrent tv channels with out equipment. I called XXXXXXXX XXXX on wednesday XX/XX/XXXX and asked them to resolve this issue by sending me a written hard copy that there was no account issused under my name address or the account number i provided. I told the agent named XXXX that respectfully i would like to be provided this information and he refused he said he was from the collection deptartment but unforturnely he could not provide the hard copy or an email even though he searched his data base and found no record of an account with my information or the account number I provided to him.Apparently there is some type of fraud going on and i need it cleared off my credit i have XXXX the attempt to resolve ut with there collections department and because they are refusing I am filling a formal compliant and would like to know what other leagal means i have a right to because my information is being used and it is taking a lot of time and energy and effort that is costly to me to get this removed off my credit i am addressing this now because i recently applied for credit and this is comming up I would like it corrected please can you help it is very frustrating knowing that this is not a debt that i owe. I did let him know at the begining of the call that i was recording the call as proof that i reached out to get the matter resolved before filling this compliant he suggested that i do that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
As a XXXX XXXX with a 100 % tax exemption due to total and XXXX  XXXX, I am currently facing a significant issue with Newrez, my mortgage servicer. Despite my tax-exempt status, I continue to pay the same mortgage amount as when I initially occupied the property. This situation has persisted despite my proactive efforts to rectify it. 
On XX/XX/year>, I submitted the necessary paperwork to Newrez to reflect my tax-exempt status. However, as of XX/XX/year> - a period spanning XXXX months - there has been no adjustment to my escrow or overall mortgage payment.

My attempts to resolve this matter have been met with what I perceive as evasive responses from various departments within Newrez. Over the course of three months, I have made 6 to 7 phone calls seeking resolution. On XX/XX/year>, I was informed that Newrez refuses to conduct an updated analysis of my account, citing the need for a tax bill to complete this process.

When I questioned whether this treatment was standard for XXXX, particularly XXXX XXXX, the representative merely reiterated that these were the company 's policies. She instructed me to obtain a tax bill from the tax company, despite my explanation that I had already provided documentation of my tax-exempt status. The representative remained inflexible, insisting that this was their established policy. 
This situation is particularly concerning as I estimate that Newrez now owes me over {$13000.00} in escrow funds. Given the circumstances, I am growing increasingly worried that Newrez may be taking advantage of XXXX  like myself. This experience raises serious questions about the company 's practices and their treatment of individuals with protected statuses, such as XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation