vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Bank of America, Has closed my account and now they are giving me a hard time by trying to harass me. They are re opening it without my knowledge and is leaving me a balance on my account?? what is going on?

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 monetary relief
Consumer complaint received 2024-11-25 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: CT

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-11-25 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. List all accounts : "

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
[ XXXX A XXXX ] [ XXXX XXXX XXXX XXXXXXXX XXXX XXXX ] [ XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Washington, DC XXXX Subject : Formal Complaint Against Navy Federal for Breach of Terms and Agreements, EFTA, and TILA Dear CFPB, I am writing to formally submit a complaint against Navy Federal Credit Union regarding serious breaches of the Electronic Fund Transfer Act ( EFTA ) and the Truth in Lending Act ( TILA ). These breaches involve unauthorized transactions and the handling of fraudulent activities in my savings and checking accounts. 

Despite numerous notifications to Navy Federal concerning unauthorized transfers of funds exceeding {$1000.00} to XXXX XXXX, as well as the deposit of XXXX fraudulent checks into my accounts, they have shown a blatant disregard for investigating these matters. Instead, I have faced significant financial repercussions, including multiple overdraft fees and returned fees stemming from the unauthorized transactions and insufficient action taken by the institution to rectify the situation. 

Furthermore, this is not the first violation by Navy Federal. A year ago, I experienced a similar issue where money disappeared from my account, leading to illegally obtained overdraft fees, as has been discussed in the latest class action suit against them. After numerous submissions and calls to seek accountability for my missing funds, those funds mysteriously reappeared weeks later, with no explanation, notification, or apology for being called a liar and incompetent in the process.

Additionally, after Navy Federal was made fully aware of another phone accessing my accounts fraudulently, a further breach was attempted, resulting in my account being locked. Regrettably, I have been unable to reach a human representative or banker to address this issue, as the only communication I receive is regarding the collection of the fraudulent debt associated with the transactions. This lack of support and assistance is deeply concerning. 
I believe these actions constitute a violation of the terms and agreements I entered into with Navy Federal. As a member, I expected the institution to uphold its responsibility to protect my account from unauthorized access and transactions and to investigate any instances of potential fraud promptly.

I request that the CFPB conduct a thorough investigation into Navy Federals practices regarding the handling of these cases. Additionally, I seek remediation for the financial losses I have incurred due to their inaction. 

Thank you for your attention to this urgent matter. I look forward to your prompt response regarding the next steps in this process. 

Sincerely, [ XXXX 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 2024-11-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
On or about XX/XX/XXXX and XX/XX/XXXX Select Portfolio Servicing Inc ( SPS ) took actions related to my real estate property and primary residence ( SPS file # XXXX ) which represent repeat pattern of unquestionable violations of RESPA 1024.41 ( g ) Prohibition on foreclosure sale, also known as dual tracking. 

On or about XX/XX/XXXX SPS made an error by scheduling a foreclosure sale of my real estate property for XX/XX/XXXX ( see attached XX/XX/XXXX notice ) while SPSs XX/XX/XXXX Assistance Offer Notice, informing of SPS preapproved short sale/short payoff loss mitigation options, was pending ( see attached XX/XX/XXXX notice ). 

On or about XX/XX/XXXX SPS made another dual tracking error by rescheduling a foreclosure sale of our real estate property ( primary residence ) referenced above, for XX/XX/XXXX while SPSs XX/XX/XXXX Assistance Offer Notice was still pending. Attached XX/XX/XXXX screenshot of SPS website ( dashboard for the alleged account ) shows a notice Congratulations! You have been approved for an Assistance Program. A letter detailing the terms of the plan has been sent to you. 

According to RESPA 1024.41 ( b ) ( 1 ) -2 A loss mitigation application is considered expansively and includes any prequalification for a loss mitigation option, such as outlined in SPS XX/XX/XXXX offer. 

My wife and I sent notices of errors to SPS on XX/XX/XXXX and XX/XX/XXXX ( see attached NOEs ) which SPS later acknowledged receiving on above dates ( see attached SPS acknowledgments XX/XX/XXXX and XX/XX/XXXX ). 

As of the date of this complaint SPS has not corrected these obvious dual tracking errors despite SPSs unquestionable violation of RESPA 1024.41 ( g ). 

SPS scheduling of referenced XX/XX/XXXX foreclosure within few days of us receiving SPS Assistance Offer Notice on XX/XX/XXXX interfered with our ability to effectively make decisions regarding SPS " assistance offer '' because we perceived SPS 's act as coercion to pressure us to agree to the terms of SPSs offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: GA

Complaint narrative:
I, XXXX XXXX, am addressing a range of violations related to the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. Heres a summary of what transpired : Unauthorized Sharing of Information : My personal information was shared without proper disclosure of my rights to opt out, violating FCRA 603 ( d ) ( 2 ) ( A ). 

Furnishing Inaccurate Information : Credit reporting agencies and debt XXXX reported false and unvalidated information on my credit report, breaching FCRA 623 ( a ) ( 3 ) and practices outlined under Generally Accepted Accounting Principles ( GAAP ). 

Unverified Debt CollectioXXXX Practices : Debt XXXX engaged in practices that violated regulations concerning validation of debts and permissible disclosure of information, contravening 15 U.S. Code 1692g. 

Deceptive Reporting of Late Payments : My credit report contained inaccurate late payment entries, failing to define what constitutes a " late payment, '' leading to misrepresentation. 

Unauthorized Hard Inquiries : Several unauthorized hard inquiries appeared on my credit report without my explicit consent, violating FCRA 1681b ( a ) ( 2 ), which outlines permissible purposes for accessing consumer reports. 

Failure to Determine Finance Charges : The credit reporting agency failed to accurately assess finance charges as required. 

Harassment and Distress : Reporting inaccuracies caused unnecessary stress and interactions with creditors, violating debt collection practices. 

I have outlined specific actions required to correct these violations, including the deletion or correction of erroneous accounts, validation of alleged debts, and removal of unauthorized hard inquiries. Should these actions not be taken promptly, I reserve the right to pursue legal remedies under the applicable statutes.

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 2024-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
I use to bank with Wells Fargo for years until I opened a bank account in XXXX AK. They closed my account because they kept taking out of my account for " overdraft fees.

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 2024-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
You are reporting the wrong balance and payment data for account XXXX  XXXX XXXX XXXX. Please see the attached documents from the creditor and remove this account 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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
TO WHOM IT MAY CONCERN : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. 1 ) Please remove the following inaccurate address from my credit report : I C SYSTEM INC. According to the FCRA, accounts that have been disputed by the consumer must be notated as such. Your failure to investigate this account, and notate it as such is a violation of the fair credit reporting act. Please remove immediately

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 2024-11-25 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: FL

Complaint narrative:
I was a juvenile when this bill was obtained. Bill written off in Bankruptcy. I called the debt agency and so did my dad. The staff at the collection agency was extremely rude to us. They struck my last nerve when they stated as a manor of fact that they dont have to give us any documentation and then they hung up on us.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I sent Transunion a dispute letter requesting they investigate several accounts. Attached I have the letter I sent, XXXX Transunion XXXX, XXXX Credit Card Charge off account regarding this complaint XXXX XXXX.XXXX, and postal receipt XXXX XXXX XXXX. On XX/XX/year> they responded to my disputes with their reinvestigation results XXXX XXXX XXXX. On XX/XX/year>, I responded back to Transunion requesting a reinvestigation and demanding they provide proof of the reinvestigation ( 15 USC 1681i ( a ) ( 7 ) ) and provide me with the : 1. The names and business addresses of each individual you verified the information with, so that I can follow up. 2. The date when you contacted the individual furnishers of information. 3. The method of communication you used to verify the information. I asked them specifically for a ( 7 ) Description of reinvestigation procedure. On XX/XX/year> Transunion responded with a refusal to process my request. The reporting of such inaccurate information has caused severe damage to my character, reputation, general mode of living, and has damaged my ability to obtain credit for personal and household usage. Transunion and their inaccurate reporting have damaged my livelihood. The reporting of this inaccurate account is also a violation of 15 USC 1681e ( b ). Their failure to provide maximum possible accuracy is causing me harm and I demand they delete the account in question from my consumer report. I reserve my rights to litigation, should nothing come from this complaint.

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital One Bank USA, XXXX, XXXX, and XXXX have engaged in alleged unlawful acts involving identity theft and the fraudulent furnishing of inaccurate information on consumer credit reports. Capital One allegedly allowed an unauthorized charge of {$370.00} to appear under a consumer 's account, linked to their XXXX XXXX XXXX, Utah, office. XXXX, XXXX, and XXXX are accused of inaccurately reporting this transaction on the consumers credit profile, despite the consumer disputing its validity. The inaccurate reporting is causing substantial financial harm, emotional distress, and defamation of character for the consumer by misrepresenting their creditworthiness. 

As well as FALSE REPRESENTATION of INACCURATE Inquiries such as ( XXXX. XXXX XXXX- XXXX. CAPITAL ONE BANK USA and XXXX. XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Firstsource Business Process Services, LLC
State: PA

Complaint narrative:
I told them it was against the law to debt collect and they said it was not

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: MD

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-11-25 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: NY

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the fraudulent account listed below from my credit report. As a victim of a data breach, I did not authorize this account, and it does not belong to me. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I ask that you remove this inaccurate information promptly. 
Fraudulent Account XXXX XXXX  - XXXX - XX/XX/year> - $ XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: NY

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the fraudulent account listed below from my credit report. As a victim of a data breach, I did not authorize this account, and it does not belong to me. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I ask that you remove this inaccurate information promptly.

Fraudulent Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation