vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
VyStar always claims to protect those that bank with them I have been with the bank for over 8 years I recently was hit with fraud a company or person acted as a work from home company they sent me a check to mobile deposit for computer equipment and software to purchase through there vendor it was a {$3400.00} check, I called VyStar to see about the check and when it would be available they said everything is fine it will be available then after that i checked my email and received a email stating it will available in my my accounts and later that day the funds were available its insane Im starting to feel like its a inside person I started sending the money over to the vendor for my equipment then a few days later VyStar took there funds back I called them to see what was going on thats when I found out the check bounced VyStar didnt even try and get in touch with me or anything at all I got in touch with them twice so now Im losXXXX out on money due to fraud or scammers whatever its called its a shame and I tried to open up a dispute which the person XXXX never put in I end up going inside and having someone open a dispute in front of me this is insane Im closing all accounts with them soon as this over with because they did not protect my funds at all at the end of the day its plenty inside people and it will be coming out soon, I have all of the screenshots and emails from the fake work from home people literally all evidence and VyStar is still holding back I have a family Im a single mother I would have never used my own money VyStar is getting out of hand I should have been left them alone when they mobile banking and everything was down for months this is disgusting I would never do this to someone this is insane why is a check posting anyways if its not good yall suppose to be the # 1 bank I have screenshots of everything it doesnt matter the time or day of its bad it should never post yall really not protecting our money at all

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 2023-12-29 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: AZ

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-29 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: Self Financial Inc.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( 15 USC 1681, section 602a ), it is emphasized that consumer reporting agencies, such as XXXX and XXXX, must carry out their significant responsibilities with fairness, impartiality, and a profound respect for the privacy rights of consumers. As a consumer, I assert my right to ensure that my private information remains confidential, as supported by 15 USC 6801, which states that financial institutions are obligated to respect customer privacy and safeguard the security of nonpublic personal information. 

It is important to note that the entity furnishing information to credit agencies, categorized as a financial institution under this statute, must adhere to specific guidelines. According to 15 USC 1681, section 604a, a consumer reporting agency can furnish a consumer report only in accordance with the written instructions of the concerned consumer. I explicitly state that I have not provided my consent, whether verbal, non-verbal, written, implied, or otherwise, for the disclosure of my information to XXXX, XXXX, or the aforementioned financial institution. 

Referring to 15 USC 6802 ( b ) ( c ), it is outlined that a financial institution is prohibited from disclosing nonpublic personal information to nonaffiliated third parties unless the consumer is informed about the option to exercise nondisclosure. I assert that I was not informed by the entity furnishing information to credit agencies about my right to exercise the nondisclosure option. 

Additionally, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including certain adverse information in consumer reports without proper authorization. This includes adverse items that antedate the report by more than seven years. The reporting of this account as an adverse item without my permission is a violation of my rights under this statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: TX

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I was basically forced to finance a purchase that was originally in my ex-husbands name. The company was threatening to send me to collections. Down and signed the documents then the next morning I got my documentation together and decided to cancel.. I called Wells Fargo bank financing and told him that I did not want to use their financing. They told me that they were going to cancel the financing and close the account. I recently received a bill, and now they bill me.

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 2023-12-29 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: CA

Complaint narrative:
I am writing to file a complaint regarding the inaccurate reporting of an account by Experian and XXXX. The disputed account pertains to an installment auto loan ( Account Number : XXXX ) with the following discrepancies : Experian : Date of Collection/Chargeoff : XXXX Unpaid balance reported as a loss by the credit grantor. 
Inconsistency in reporting the account status. 

XXXX : Date of Collection/Chargeoff : XX/XX/XXXX Consumer disputes - reinvestigation in progress. 
Discrepancy in the reported high credit and original charge-off amount. 
Lack of clarity on the resolution status. 

I have diligently disputed these inaccuracies multiple times over the past two years, in accordance with my rights under the Fair Credit Reporting Act ( 15 USC 1681 ). Specifically, 15 USC 1681 section 604 ( a ) ( 2 ) asserts my right to privacy, and 15 USC 1666b stipulates that a creditor can not furnish an account without my written instructions. 

Despite my efforts to rectify these inaccuracies, both Experian and XXXX continue to update the information with further errors, violating my rights as a consumer. I kindly request your intervention to address this matter promptly and ensure the removal of the inaccuracies from my credit report. 

Thank you for your attention to this 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 2023-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I've sent a Debt Validation letter to request paperwork from Westlake Portfolio Management where they received it on XX/XX/23. The letter was USPS express with receipt confirmed to Westlake Portfolio Management. I have also started a dispute with all XXXX Credit Bureaus and entered code 15USC 1692g. I have not received any Validation paperwork back showing me where I agreed with them on any debt. They have applied fees etc while I continue to wait for Validation. I have a cease and desist in the Debt Validation Letter and yet they have reached out to me via email about payment toward the account that Westlake Portfolio Management has yet to send me Validation for showing me where it belongs to me. Westlake Portfolio Management also was supposed to remove a XXXX late remark on my credit report and still have not done so. I'm requesting that they remove the remark on my credit. I spoke to XXXX who works at Westlake Portfolio Management rep and I told him my situation. He stated that it would be removed. He also gave me a confirmation number, XXXX. The call was recorded and monitored. Please help me with a solution about Westlake Portfolio Management. This account is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: FL

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
So this is a weird one. It's been a while since I checked my credit report. I see XXXX LVNV Funding LLC accounts on my report. Now for some reason I have been making payments to them, but never really understood for what. As I started to dig deeper I realize that these accounts they are collecting for I never did open them. So I've been paying on accounts that I didn't even open. I probably should have paid better attention to them. Anyways, again I did not open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
on XX/XX/2023 added a new checking account to my account and while the card was being sent to me in the mail. on XX/XX/2023 I contacted a representative to receive the card details, but once I found my card details I didn't need their service anymore so the rep begin to get upset with me because I was confused to what she was saying to me but I kept repeating I will just wait for my card to arrive in the mail. later on that day I begin to log into my online account and its denying me any access to my account and I call in to see the problem the rep tells me my card has been reported lost or stolen and I never reported my card lost or stolen then my account was put into restriction with no explanation. I get connected with security and they tell me my account is fraudulently created and its not I've sent in multiple supporting documents to help with this investigation. My health condition prevents me from leaving the house and I really need this account as I have a monthly direct deposit being credited to the account they asked me for verification documentation that I sent in

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: LA

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX Balance : {$0.00} XXXX XXXX **** Balance : {$0.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XX/XX/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 2023-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, my bank account had no overdraft. I had {$63.00} left in my account. In transactions from XXXX XXXX XXXX, merchants received their money. I checked my account on XX/XX/XXXX, and my account had an overdraft of {$170.00}. I realized TD Bank reposted old transactions that came out prior to the XXXX. TD Bank then accumulated transactions from XXXX XXXX. I inquired about it via phone call. The rep stated the transaction that caused the overdraft was a payment to XXXX XXXX of {$230.00} and some prior transactions from XX/XX/XXXX. I explained to the rep that I have overdraft protection, and if my account didn't have the funds, it would've been rejected. The rep confirmed I have overdraft protection and then stated the payment of {$230.00} will return on XX/XX/XXXX and my account will be back to normal. I explained to the rep that this payment was made on Friday, XX/XX/XXXX, and it came out. I had the funds for every transaction that occurred. The rep stated that the app doesn't reflect the correct amount available. I stated that if an app isn't working correctly, it's a TD Bank error, not the customer 's fault. On XX/XX/XXXX, an overdraft remained, and the payment of {$230.00} did not revert back. I called again and spoke to XXXX reps and XXXX supervisor. Both of these representatives stated I don't have overdraft protection ; the overdraft came from the order for the posted transactions and mentioned XXXX different names of the type of overdraft I needed and gave me misinformation. XXXX XXXX stated he's the highest in the company and there's nothing he can do. I explained to him that he's not the highest in the company ; this is TD Bank 's fault and their faulty app. TD Bank continues to falsely advertise to customers that the app is accurate and reflects the correct balance. TD reposted the old and new transactions, which deceptively gave a reason for the overdraft. 

TD Bank unlawfully charges overdraft fees for transactions that didn't cause it and had the sufficient funds for the transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-29 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:
Transunion and XXXX allowes 3rd party collection agencies report to be on my credit reflection as if I consented to these malicious collections who I dont personally owe. These companies state they bought this collection information and accounts. This transaction should not be the reflection of my score depicted as accurate information. Some of those accounts were from XXXX furlough and gov. Shutdowns- I want direct relationship reporting or join the lawsuit against them as proof.

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 2023-12-29 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: CA

Complaint narrative:
I am writing to file a complaint regarding the inaccurate reporting of an account by XXXX and Equifax. The disputed account pertains to an installment auto loan ( Account Number : XXXX ) with the following discrepancies : XXXX : Date of Collection/Chargeoff : XX/XX/XXXX Unpaid balance reported as a loss by the credit grantor. 
Inconsistency in reporting the account status. 

Equifax : Date of Collection/Chargeoff : XXXX Consumer disputes - reinvestigation in progress. 
Discrepancy in the reported high credit and original charge-off amount. 
Lack of clarity on the resolution status. 

I have diligently disputed these inaccuracies multiple times over the past two years, in accordance with my rights under the Fair Credit Reporting Act ( 15 USC 1681 ). Specifically, 15 USC 1681 section 604 ( a ) ( 2 ) asserts my right to privacy, and 15 USC 1666b stipulates that a creditor can not furnish an account without my written instructions. 

Despite my efforts to rectify these inaccuracies, both XXXX and Equifax continue to update the information with further errors, violating my rights as a consumer. I kindly request your intervention to address this matter promptly and ensure the removal of the inaccuracies from my credit report. 

Thank you for your attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 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: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
XXXX XXXX, Portfolio recovery, and XXXX are obligated by the FCRA to abide by laws set forth to them. I as a consumer have advised of collections that are FRAUD. Said companies had 4 days according to LAW stated in my letter attached to remove such items. An FTC fraud report was filed on my behalf as a consumer. The credit reporting agencies also forwarded this information to the corporations listed. I as a consumer am now requesting XXXX XXXX, Portfolio Recovery, and XXXX XXXX to provide the documentation to determine any of the listed items were indeed authorized by, I, the consumer with written instruction per 15 usc 1681. I am also protected by the Privacy act of 1974. I am reporting that this is not only fraudulant but that i also DO NOT give written, unwritten, verbal or non-verbal permission for these accounts to report on my credit file. XXXX does not apply here so do not even come with that rebuttle. XXXX XXXX Portfolio Recovery, and XXXX XXXX have 15 days to provide me with the name of the person they spoke with, document used, signed application with consumer wet-ink signature, securities accounting documents, XXXX number, and the original contract, and qualified written request. If said corporations do not have documentation to show these were in fact authorized and accurate it must be removed immediately. Said companies are not only violating FCRA laws, CFR laws, but also the Privacy act of 1974. Said Companies are Liable under the SEC to follow certain rules. PRA GROUP XXXX File Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NEW YORK XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEW YORK XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX XXXX will be filing form 211 Treasury OMB forms to audit consumers account as well as a 3949A.

Company response to consumer: Closed with non-monetary relief