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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 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 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 of 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 explanation
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: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
Over the last 6 months, my Regions business debit card has been compromised about 5 times and 3 out of 5 times, it was without me activating it which appears to be an inside job or the data system is being hacked. The first time I noticed was XX/XX/year> when I could not use my card and when I called the bank to dispute the charge, they told me it was not disputable because the card was not even activated yet or words to that effect. The most recent compromise was XX/XX/year>XXXX  and I just received this card not too long ago. There is something fishy going on and my card should not have been compromised before its even activated. The bank accused me of giving out my PIN number which is ridiculous.

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: LA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts listed on my credit report. As a victim of a data breach, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ) to have these unauthorized accounts removed. 
The accounts in question are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint against Equifax for failing to respond to my dispute letter and for not conducting a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, I mailed a dispute letter to Equifax via USPS certified mail ( tracking number : XXXX XXXX XXXX XXXX XXXX XXXX ) to dispute the inaccurate and incomplete reporting of a bankruptcy on my credit report : Bankruptcy Reference Number : XXXX Filing Date : XX/XX/XXXX Court Name : XXXX XXXX XXXX  To ensure my identity was properly verified, I included the following documents with my dispute : A copy of my government-issued ID A copy of my Social Security card A recent bill showing my current address The bankruptcy referenced above is unverifiable. On XX/XX/XXXX, I obtained a consumer report from XXXX ( Consumer Report Number : XXXX, Case Number : XXXX  ), which showed no record of this bankruptcy. XXXX, a primary source for bankruptcy data, has confirmed that this bankruptcy does not exist in their records. 
Despite receiving all required documents and a detailed explanation of my dispute, Equifax has failed to : Provide a timely response to my dispute, as required by the FCRA. 
Conduct a reasonable investigation into the accuracy and completeness of the disputed information. 
Equifaxs inaction is a direct violation of the FCRA, which requires credit bureaus to : Investigate consumer disputes within 30 days of receipt. 
Ensure that only accurate and verifiable information is included in credit reports.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: NC

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 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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint against Transunion for failing to respond to my dispute letter and for not conducting a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, I mailed a dispute letter to Transunion via USPS certified mail ( tracking number : XXXX XXXX XXXX XXXX XXXX XXXX ) to dispute the inaccurate and incomplete reporting of a bankruptcy on my credit report : Bankruptcy Reference Number : XXXX Filing Date : XX/XX/XXXXXXXX  Court Name : U.S. Bankruptcy Court To ensure my identity was properly verified, I included the following documents with my dispute : A copy of my government-issued ID A copy of my Social Security card A recent bill showing my current address The bankruptcy referenced above is unverifiable. On XX/XX/XXXX, I obtained a consumer report from XXXX ( Consumer Report Number : XXXX, Case Number : XXXX ), which showed no record of this bankruptcy. XXXX, a primary source for bankruptcy data, has confirmed that this bankruptcy does not exist in their records. 
Despite receiving all required documents and a detailed explanation of my dispute, XXXX has failed to : Provide a timely response to my dispute, as required by the FCRA. 
Conduct a reasonable investigation into the accuracy and completeness of the disputed information. 

XXXX inaction is a direct violation of the FCRA, which requires credit bureaus to : Investigate consumer disputes within 30 days of receipt. 
Ensure that only accurate and verifiable information is included in credit 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
Consumer complaint received 2024-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: MD

Complaint narrative:
XX/XX/year> - Charged {$36.00} Overdraft Fee twice on the same day. 
-Account Statement reflects balance in good standing on XXXXXXXX XXXX XXXX 
These overdraft fees need to be reversed. 

XX/XX/year> - Charged {$36.00} Overdraft Fee twice on the same day. 
- Account Statement reflects balance in good standing on XX/XX/year>. 

XX/XX/year> - Charged {$36.00} Overdraft Fee twice on the same day. 
- Account Statement reflects balance in good standing on XX/XX/year>. 
These overdraft fees need to be reversed. 

Total of {$210.00} of overdraft fees were incorrectly and unlawfully assesed against my account.

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: TX

Complaint narrative:
This account XXXX XXXX XXXXXXXX does not belong to me. The creditor confirmed that this account belongs to XXXX XXXX. I have attached the creditor 's response to this email. You are also in violation for the inaccurate reporting of the payment history. It is not consistent between all 3 bureaus, and you are reporting 30 days late after reporting a 60-day late payment. This is a clear FCRA violation. This account is to be removed in 4 days according to FCRA Section 605B.

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 belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account XXXX XXXX XXXXXXXX does not belong to me. The creditor confirmed that this account belongs to XXXX XXXX. I have attached the creditor 's response to this email. You are also in violation for the inaccurate reporting of the payment history. It is not consistent between all 3 bureaus, and you are reporting 30 days late after reporting a 60-day late payment. This is a clear FCRA violation. This account is to be removed in 4 days according to FCRA Section 605B.

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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following :

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account XXXX XXXX XXXXXXXX does not belong to me. The creditor confirmed that this account belongs to XXXX XXXX. I have attached the creditor 's response to this email. You are also in violation for the inaccurate reporting of the payment history. It is not consistent between all 3 bureaus, and you are reporting 30 days late after reporting a 60-day late payment. This is a clear FCRA violation. This account is to be removed in 4 days according to FCRA Section 605B.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request update/ correction of inaccurate information on an item that is listed on my consumer report : Account : XXXX XXXX XXXX ( XXXX  ) This account is currently reporting inaccurately : I had a forbearance agreement plan with XXXX XXXX XXXX, and it is listed on my monthly statement. The consumer reporting agencies have assumed a vital role and a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payment for this account, and I have included screenshots inside the complaint. Please investigate provide proof with statements showing that these payments were late. If proof cant be provided with 30 days, I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request update/ correction of inaccurate information on an item that is listed on my consumer report : Account : XXXX XXXX XXXX ( XXXX  ) This account is currently reporting inaccurately : I had a forbearance agreement plan with XXXX XXXX XXXX, and it is listed on my monthly statement. The consumer reporting agencies have assumed a vital role and a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payment for this account, and I have included screenshots inside the complaint. Please investigate provide proof with statements showing that these payments were late. If proof cant be provided with 30 days, I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to request your assistance in addressing a matter concerning my auto loan with Capital One. I have maintained this loan in good standing for over a year, consistently making on-time payments. Despite my excellent payment history and my preference to avoid refinancing, I am finding the current interest rate financially burdensome and would like to request a rate adjustment based on customer loyalty and my demonstrated reliability. 

Over the past year, I have shown a commitment to meeting my financial obligations, and I believe this record reflects my creditworthiness. As a long-term customer, I value the services provided by Capital One and would like to continue this relationship under terms that better align with my financial goals. A lower interest rate would not only help me manage my finances more effectively but also reinforce my trust in Capital One 's commitment to supporting its customers. 

I am seeking your intervention to help mediate this request. Your support in facilitating this discussion would be greatly appreciated. 

Please find attached relevant documentation, including my loan account information and payment history, to support my request. 

Thank you for your attention to this matter. I look forward to your guidance and assistance. 

Sincerely, XXXX XXXX

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: LA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts listed on my credit report. As a victim of a data breach, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ) to have these unauthorized accounts removed. 
The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
I am writing to formally demand that you cease and desist all collection activities related to the alleged debt associated with my account. This demand is made pursuant to 15 U.S.C. 1692c ( c ), which states that a debt collector must cease communication with a consumer upon receiving a written request. 

In accordance with the provisions of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my rights to request that you stop all further communication regarding this matter. Continued attempts to collect this alleged debt after this notice may result in legal action against you for violations under the FDCPA. 

Furthermore, I would like to draw your attention to relevant case law supporting my position. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court highlighted the importance of adherence to the FDCPA and the requirement for debt collectors to provide accurate information. The ruling emphasized that failure to comply can lead to liabilities for misrepresentation and harassment. 

Additionally, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), reinforces the consumer 's right to dispute debts and demand validation. The court made it clear that any continued attempts to collect a disputed debt can be considered harassment and a violation of consumer protection laws. 

Please be advised that failure to comply with this notice may result in further legal action. This could include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and The Federal Trade Commission ( FTC ), as well as pursuing other remedies to protect my rights. 

Thank you for your immediate attention to this matter, I expect written confirmation that you have received this ceased-and-desist demand and that you will comply with it accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: KS

Complaint narrative:
Chime has absolutely terrible customer service, some of the worst that I've ever had to deal with. They requested a w9 from me, I submitted it, then 3 days later followed up with them to confirm that they had it and they not only confirmed that they had it but confirmed that my account would not be closed on the deadline date. The deadline date comes and my account was closed, despite the fact that their customer service confirmed TWICE that this would not happen. 

I reach out to their support to rectify the situation. Iv been working on it for 2 hours now, I've been hung up on twice, and nobody will take accountability for their mistake. 

I will be taking my savings account to another bank. Do not mess with this bank AT ALL!!!!

Company response to consumer: Closed with explanation