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

Complaint narrative:
I had funds in my account but after checking my account, my account was in the negatives, i asked why wasnt my deposit or anything posted in my account, i was transferred to manger. XXXX told me there was nothing they could do thats just how navy federal runs its business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: MD

Complaint narrative:
To Whom It May Concern, I am writing to dispute an unauthorized account listed on my credit report. This account, XXXX XXXX ( Account Number : XXXX ), appears without my consent, and I believe that my personal information has been improperly disclosed to a third party. This unauthorized disclosure of my information is a violation of my rights under the Gramm-Leach-Bliley Act, specifically 15 U.S.C. 6801 and 15 U.S.C. 6802, which require financial institutions to protect customers personal information and restrict unauthorized disclosures to third parties.

Given that I did not consent to this accounts inclusion on my credit report, I am formally requesting its immediate removal. Please be advised that if my request is not fulfilled within 30 to 45 days, I intend to pursue litigation to seek damages of up to {$1000.00} for each instance of unauthorized disclosure, as permitted by federal law. 

Thank you for your immediate attention to this serious issue.

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

Complaint narrative:
To Whom It May Concern, I am writing to dispute an unauthorized account listed on my credit report. This account, XXXX XXXX ( Account XXXX : XXXX ), appears without my consent, and I believe that my personal information has been improperly disclosed to a third party. This unauthorized disclosure of my information is a violation of my rights under the Gramm-Leach-Bliley Act, specifically 15 U.S.C. 6801 and 15 U.S.C. 6802, which require financial institutions to protect customers personal information and restrict unauthorized disclosures to third parties.

Given that I did not consent to this accounts inclusion on my credit report, I am formally requesting its immediate removal. Please be advised that if my request is not fulfilled within 30 to 45 days, I intend to pursue litigation to seek damages of up to {$1000.00} for each instance of unauthorized disclosure, as permitted by federal law. 

Thank you for your immediate attention to this serious issue.

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 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I have been denied bank accounts as several institutions from XXXX XXXX XXXX and XXXX XXXX XXXXXXXX. They also said this as a result of a check systems report they were provided at the time of application with their institutions for the account. Subsequently I have contacted ChexSystems who is the reported furnisher of the information and was told that they have no record of save report and produced to me what they have and allegedly what they have provided to any corporation for a company requesting information about me and my banking habits. The report that I was sent reflects no information specifically no negative information. If the corporations that I have applied for banking accounts with have all stated they received this report from check systems in which they based their decision whether or not to do business with me in checks is denying having reported negative information Im unsure of who it would be more beneficial to tell the lie. All I know is Im unable to open a checking account as a result and check system has been cited by many companies as being the reason

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 2024-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: FC HoldCo LLC
State: FL

Complaint narrative:
I asked the company to come get the vehicle as voluntary repossession. The company failed to come get the vehicle at request time frame and made it as it was regular repossession and put it as late payments on my credit report. The company told me in order for the car to be repossessed I would have to stop paying on it and thats what I did. Now its negative reports on my credit from this company and it is still on my report as if I have the car and the car has been sold. The company is fraudulently reporting on my credit and still have it as I own the vehicle and I dont.

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 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
In 2021 navy federal credit union closed my account for XXXX  over draft without having anyway to pay back and sent me into collections

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My PayPal account was hacked in around XXXX or XX/XX/2023 and probably been stealing money from my account since XXXX.I had money in my savings accounts a least four savings accounts one for brakes, vacation, and a regular savings which I had automatic deposits going to those accounts under my PayPal account . I reported my card being lost or stolen and than I moved and my account was being used for someone else and tried to take over my account. By stealing my bank statements from my previous address.I asked to have my account closed and PayPal refused due to the amount of money in my account which is XXXX XXXX.All my savings accounts are closed because my money was moved since XXXX XXXX and alot was hidden including emails.I never had an investigation on my account and why all my online statements were fabricated.I used that account to pay my rent sometimes and my car payment plus my renters insurance.Alot was deleted especially when I paid bills with that account /service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
CREDIT CONTROL CORPORATION has been reporting an account that I, the Beneficiary allegedly owe. However me being the beneficiary it doesn't benefits me to repay. I am writing to address the matter of the debt associated with my account. I am the beneficiary of the XXXX XXXX XXXX XXXX XXXX, and repaying this debt is not beneficial based on a careful consideration of various factors. Firstly, I would like to draw attention to the etymology of the word " repayment, '' which implies paying again. As a beneficiary of a living trust, it is my understanding that repaying an alleged debt would mean paying twice, which does not align with the equitable principles that govern trust relationships. Everything is a trust. How? Because everything is an agreement and if anything has my name on it thats a legal title of my estate. Now let 's look at the word credit which means trust. Now let 's look at the word report which means property. My credit report is my trust report which is my property and estate. Furthermore, the maxim of equity states that equity does not punish. Repaying an alleged debt, particularly one that may not be legally enforceable or valid, could be perceived as a form of punishment. Equity regards the beneficiary as the true owner, and the trustee is obligated to uphold their duties in settling the account. Considering the aforementioned principles, I kindly request the following actions : Account Review : I request a thorough review of the alleged debt associated with my account in light of the trust relationship and equitable considerations. Account Settlement : If the debt is found to be valid and legally enforceable, I request clear instructions on settling the account. As the beneficiary, I trust that the trustee will uphold their duties to settle the account. Removal from Credit Reporting Agencies : I request the immediate removal of any adverse reporting related to this alleged debt from credit reporting agencies, as it is not beneficial to the beneficiary 's interests. You're furnishing this information to the credit reporting agencies which makes you the trustee. If you're not the trustee then you're a stranger. It's three parts to a trust. Trustee, settlor, and beneficiary. If you're not the trustee then you need to hand me my property back. I appreciate your attention to this matter and look forward to a fair and equitable resolution. If there are any specific procedures or documentation required to facilitate this process, please provide them at your earliest convenience. Thank you for your understanding and cooperation.

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

Complaint narrative:
It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on 3 Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. 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 Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.

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 2024-11-11 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: FL

Complaint narrative:
It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. 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 Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX XXXX. 
showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
For the past 2 years Ive been unable to purchase a car or move residence due to trans unions abuse and neglect with my credit file.TransUnion was tasked with investigating and run disputes for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After making arguments about a disputes items being investigated incorrectly I was transfered to who a supervisor was who verbally stated on record that they have 1. Received all documents for verification 2. Received all deletion files 3. Received a updated and accurate credit report from XXXX 4. Received fraud reports 5. Received CFPB Reports And refused to investigate issue because its not there responsibility.All other credit agencies that received these documents and have removed files for fraud and irregularities and Transunion admitted to not running disputes at FCRA standard as previously stated and this is verified by the recent removal of XXXX  XXXX. Which they stated on multiple occasions was at FCRA STANDARD. They refused to investigate that file for 2 years even while being requested to do so and just recently ran a valid dispute and removed it. The same can not be said for the other files that they have refused to investigate wnd have falsely reported at being FCRA STANDARD. When mailed dispute information they also discarded and did not run investigations as previously stated. They also are 95 days overdue for previous disputes and continue to just reopen disputes instead of investigating.

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 2024-11-11 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: MA

Complaint narrative:
Experian used my personal information and information on my credit report without my consent.

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 2024-11-11 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: EQUIFAX, INC.
State: MD

Complaint narrative:
My bankruptcy has been on my credit well pass the time of FCA laws and needs to be removed due to my constant on time payment and no delinquencies on my credit for the last several years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My bankruptcy has been on my credit well pass the time of FCA laws and needs to be removed due to my constant on time payment and no delinquencies on my credit for the last several 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 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
always had my navy fed account being overdraft twice- so always paying for the item i purchased twice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/2022 outgoing wire transfer reference number XXXX XXXX XXXX in the amount of {$20000.00} I have put a stop on the transfer and said that it was a fraud so the money in the account was put on freeze and I was told it would go to the fraud department I tried contacting the fraud department numerous times and was told that the money was still being investigated I am still yet to receive the money back in my account I talked with the bank manager and was told that the money would be returned to my account

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 2024-11-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Verification of Permissible Purpose for Reporting XXXX  To Whom It May Concern, I am writing to formally request clarification regarding the reporting of my XXXX  ( Case Number : XXXX ) on my credit report. It has come to my attention that Equifax has included this XXXX  filing in my credit history, and I am seeking to understand the permissible purpose under the Fair Credit Reporting Act ( FCRA ) that justifies this reporting. 

Under the FCRA, credit reporting agencies are required to have a legitimate permissible purpose for accessing and reporting information pertaining to consumers. I am particularly interested in the following specifics : 1. **Verification of Permissible Purpose : ** Please provide detailed information regarding the legal basis for Equifax 's decision to report my bankruptcy. This includes the specific regulations or provisions under which this reporting is allowed.

2. **Disclosure of Information Sources : ** Clarification on where Equifax sourced the data related to my bankruptcy. If this information was obtained from another entity, please specify which agency or court provided this data. 

3. **Reporting Duration and Impact : ** Understanding how long this bankruptcy will be reported on my credit file and the criteria used to determine its impact on my creditworthiness. 

I expect a prompt response to this inquiry. Failure to provide adequate justification for the permissible purpose of reporting this bankruptcy will compel me to escalate the matter, including seeking legal representation. 

As a result of these violations, I am entitled to seek damage as specified under the FCRA. Therefore, I hereby demand compensation of {$1000.00} for each violation committed. This claim is made in accordance with 15 U.S.C. 1681n, which allows consumers to seek statutory damages for willful noncompliance with the FCRA. 

Thank you for your immediate attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX XXXX XXXX : Copies of supporting documents

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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 am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I bank with Navy Federal Credit Union. I have been hit with a massive amount of random overdraft fees. A lot of them fees are due to the bank delaying the transaction postings. I would think I have a certain amount of money in my account and when I check my account again, Ill be in the negatives + given an overdraft fee and itll be because they took so long to post prior transactions that by time they do, I really didnt have the amount they were showing me I had. To make matters worst they like to overdraft fee you just about everyday until youre out of the negatives. The amount of money ive lost due to Navy Federal is insane.

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 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I closed my account with Citibank over the phone as there are no branches where I live. While I received a check for my funds, I continue to get statements and recently was told my lack of activity would result in a dormant account charge. I have tried to fully close the account several times and the entire process started because of unauthorized activity by a bad actor on the account which Citi failed to stop.

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 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I was charged overdraft fees when I had overdraft protection program ( OOP ).

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