vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 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:
I am writing to formally notify you that I am a victim of a data breach and that fraudulent accounts have been opened in my name without my consent. As a result, I am requesting that all of the following accounts be blocked and deleted from my credit file in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$260.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$380.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$160.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$140.00} XXXX  - XXXX - XX/XX/XXXX - {$140.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$240.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1000.00} XXXX - XXXX - XX/XX/XXXX - {$2000.00}

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 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: MD

Complaint narrative:
My gym, XXXX XXXX, tried to take my annual fee of {$49.00} out of my account. However, XXXX XXXX 's system had a hard time talking with my bank 's system, even though the money was in the account, and the money was not able to be withdrawn. XXXX XXXX tried twice, and charged me a {$15.00} late fee each time, totalling {$79.00}. 

I disputed the charge when the {$79.00} finally went through, and my bank, Sofi, gave me a provisional credit. Then XXXX XXXX charged it again. I again disputed it and again, was given a provisonal credit of {$79.00}. 

I then went into XXXX XXXX to resolve the problem. They told me that they often have problems with digital banks like Sofi and I should use a credit card instead. I went ahead and paid the {$49.00} with a different credit card, not my bank account, and they waived the late fees for me because it was not my fault. 

At this point, I owed XXXX XXXX nothing, and I assumed the problem was resolved. 

Then, in XXXX, I received notice from Sofi that they discovered no mistake was made with the charges and they were going to reverse the provisional credits and charge my account {$150.00}. 

I provided them my credit card statement showing that I had paid the {$49.00} fee, and I provided statements from XXXX XXXX  showing the fee had been paid and the late fees waived. 

They still insisted that no mistake was made, and proceeded to take {$150.00} from my account. 

I told them that this was theft. Where is that money going? I don't owe it to XXXX XXXX. Who is getting that money? 

They then credited back one of the {$79.00} fees. I insisted they return both fees. Instead, they again debited my account the {$79.00} back. 

They now refuse to communicate with me after stealing {$150.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to formally exercise my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ) and related laws to opt out and rescind any and all authorizations I may have previously provided to your institution. 
Opt-Out and Rescission of Authorization Effective immediately and indefinitely, I, the undersigned consumer, hereby : 1. Rescind Authorization : Revoke any and all authorizations I may have granted, whether written, unwritten, verbal, or non-verbal, that permit the collection, sharing, or use of my personal information. This rescission is made under the authority of 15 U.S.C. 6802, which governs the obligations of financial institutions to respect the privacy choices of consumers. 
2. Exercise Opt-Out Rights : Formally opt out of the sharing of my nonpublic personal information, in accordance with 16 CFR 313.1, which enforces privacy obligations under the Gramm-Leach-Bliley Act. 
Legal Basis for My Request This request is supported by the following federal statutes and regulations : 1. 15 U.S.C. 6801 : This section mandates financial institutions to establish standards that protect the confidentiality and security of nonpublic personal information. My opt-out request is a direct exercise of my right to restrict unauthorized access or use of my information. 
2. 15 U.S.C. 6802 : This provision grants consumers the right to opt out of the sharing of nonpublic personal information. My decision to rescind all authorizations aligns with my statutory rights under this section.

3. 15 U.S.C. 6805 : This section provides the enforcement framework for compliance with consumer privacy obligations. I expect your organization to adhere to these legal requirements and promptly implement this opt-out request. 
4. 16 CFR 313.1 : The Privacy of Consumer Financial Information regulation obligates financial institutions to inform consumers of their rights and provide mechanisms for opting out. This letter serves as my explicit directive to exercise those rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bounce AI, Inc.
State: TX

Complaint narrative:
I am the victim of identity theft. I have attached a copy of of FTC I dentity Theft report.This debt is not mine. Accordance with the Fair Debt Collection Practices Act, I request that you stop collection proceedings against me and cease communications with me about this debt. I further request, pursuant to section 615 ( g ) ( 1 ) of the FCRA, that you notify that the debt is the result of identity theft. Under section 623. Duties When ID Theft Occurs. All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Remove this fraudulent account from all my credit reports immediately. I am a litigious consuer and will not hesitate to file a small claims lawsuit for violations of the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

Delete the accounts below :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
About 1-2 weeks ago, I opened a 360 Savings Account with Capital One, and shortly after, I transferred funds from an external, verified bank account into the new Capital One account. To my surprise, I received a notification from Capital One stating that my account had been flagged for unusual activity and that it would be closed. This was a complete shock to me, as I had no idea what could have triggered such a flag. While I understand that financial institutions need to take precautions to protect against fraud and ensure security, this situation has left me frustrated and confused. 

I am now in the process of trying to recover my funds, but Capital Ones response has been far from helpful. It feels as though they are dragging their feet, and Im left in a limbo, unable to access the money I rightfully deposited. Despite my efforts to resolve this matter, it seems as though Capital One is holding my money hostage with little explanation or urgency in addressing the situation. Its incredibly stressful, and Im doing everything I can to get my funds back, but the lack of communication and delay is becoming increasingly concerning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: NV

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-11-19 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: AL

Complaint narrative:
I couldnt believe it when I saw incorrect accounts on my credit report this morningit completely caught me off guard. Ive always checked my credit report without issues, but this time, the discrepancies were baffling. I even refreshed my browser multiple times, hoping it was just a technical error, but the accounts stayed there. Im asking that the documents Ive submitted be reviewed in detail to ensure Ill never have to deal with something like this again.

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6400.00}. This balance and date is incorrect. The date should be XX/XX/XXXX and the balance should be {$1.00}.

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 2024-11-19 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I am filing a complaint with the ALLY FINANCIAL regarding inaccurate reporting and fraudulent accounts listed on my credit report. Upon reviewing my credit report, I discovered multiple accounts that fraudulently reporting and damaging. These accounts have been inaccurately reported to the credit bureaus and are negatively impacting my credit score and financial well-being. Despite disputing these accounts with the credit reporting agencies, the fraudulent entries continue to appear, indicating a failure to correct or remove the inaccurate information as required by law. This situation violates the Fair Credit Reporting Act ( FCRA ), specifically Sections 607 ( b ) and 609 ( a ) ( 1 ), which mandate that credit reporting agencies ensure the accuracy and completeness of the information they report and provide consumers with the right to dispute inaccuracies. Additionally, Section 605B of the FCRA outlines that information resulting from fraud or identity theft must be blocked from a consumer 's credit report. The continued presence of these fraudulent accounts on my report, despite my efforts to correct them, constitutes a violation of my rights under the FCRA and has caused substantial harm to my financial standing. I am requesting an immediate investigation into these discrepancies and the removal of any fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: 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 explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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 U.S.C 1681 Account Name and # 's 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 Have violated my rights.

15 U.S.C. 1681 section 602 ( A ) States that I have a right to privacy.

15 U.S.C. 1681 Section 604 ( A ) Section ( 2 ) It also states that 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 than records of convictions of crimes which antendates the report by more than 7 years.

15 U.S.C. 1681s-c ( 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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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 U.S.C 1681 Account Name and # 's 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 Have violated my rights.

15 U.S.C. 1681 section 602 ( A ) States that I have a right to privacy.

15 U.S.C. 1681 Section 604 ( A ) Section ( 2 ) It also states that 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 than records of convictions of crimes which antendates the report by more than 7 years.

15 U.S.C. 1681s-c ( 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
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Ive been contacted multiple times by multiple numbers demanding payment. This debt has been bought by the company the original creditor allegedly sold. However the debt buyer refused to provide a verification of the purchase to legally collect this collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Dear Wells Fargo Bank, I am writing to formally demand the immediate refund of {$700.00} that was fraudulently removed from my account. As an XXXX XXXX senior and a loyal customer of Wells Fargo since the XXXX XXXX I am appalled that such an issue has not already been resolved in my favor. 

Neither I, my wife, nor any authorized users of my account initiated or approved the transaction in question. The fraudulent nature of this transaction is indisputable, and your failure to rectify it promptly is unacceptable. 

This letter serves as official documentation of my dispute. I expect the total amount of {$700.00} to be credited back to my account without delay. If you fail to address this matter immediately, I will escalate my complaint through all channels, including the Consumer Financial Protection Bureau ( CFPB ). 

Sincerely, XXXX XXXX XXXX : Consumer Financial Protection Bureau ( CFPB )

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My account with EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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