vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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 explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
So I went to a arm to withdraw money from my saving account on XXXX XX/XX/year> I tried to withdraw XXXX dollars from XXXX from my savings and I never received the money and so I sent the bank the complaint back that I got from XXXX and they still said they couldnt give me my money back because I had received it even though I came through yall they still didnt give me my money back also they overdraft often from my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Earlier in the year I had to get a new debit card on my checking after fraud. The bank connected my new debit card to my credit card, so then when I tried to use the ATM it would flash warnings about cash advances and fees. So I went to the XXXX Ohio XXXX and asked them to disconnect my checking and debit card from my credit card, and they assured me they did. After that the atm worked as it should. However, last week I did two balance transfers intended from savings to checking, and the online portal pulled both from my credit card. While I agree that doing so was my mistake, the system did not warn me that cash advances have fee penalties, or that I was even doing a cash advance at all. There was no " are you sure you want to do a cash advance? '' as there is on the ATM screens. I feel this is deliberately misleading - particularly since I had already proactively asked XXXX Ohio to disconnect my ability to do so. This isn't about the dollar amount of the fees, but that the bank is using these deliberately shady means of not warning us that we're doing a cash advance. I think there should at least be a warning for those of us who are often in a hurry and accidentally select the wrong account. I asked them to refund the fees after my history of having proactively asking them to disconnect these two accounts from each other, and their online chat XXXX XXXX refused.

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

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to inform you that I have been a victim of a data breach and identity theft. As such, I am requesting that all fraudulent accounts listed below be blocked, deleted, and removed from my credit report immediately, pursuant to 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). I have reason to believe that the following accounts were opened or utilized without my authorization : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$36000.00} XXXX  XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$4500.00} XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$10000.00} XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2700.00} XXXX  XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$240.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: IN

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Through its XXXX XXXX XXXX XXXX, known as XXXX, Navy Federal charged me {$20.00} for most overdraft transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Advanced Resolution Services Inc.
State: LA

Complaint narrative:
I am contacting you to demand the removal of the following inaccuracies from my credit report :

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

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing a complaint against XXXX and Experian for misreporting credit as income, which I believe violates several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and regulations enforced by the Consumer Financial Protection Bureau ( CFPB ). 

Fair Credit Reporting Act ( FCRA ) Section 607 of the FCRA mandates that credit reporting agencies and companies must report accurate and complete information. By including credit as income, the company is providing inaccurate information, violating my rights under the FCRA. 

Truth in Lending Act ( TILA ) Under TILA, financial institutions are required to provide clear and accurate disclosures to consumers. Reporting credit as income violates this principle because it misrepresents my true financial situation to potential creditors. 

Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) Under Dodd-Frank Wall Street Reform and Consumer Protection Act, which created the CFPB, it is prohibited for companies to engage in unfair or deceptive practices. Misreporting credit as income is a deceptive practice that can mislead lenders and harm consumers. 

Under IRS Tax Code, specifically Internal Revenue Code ( IRC ) Section 61 ( a ) ( 12 ), canceled debt is generally considered taxable income. However, this does not mean that canceled debt should be classified as income in the context of a credit report. 

Form 1099-C : When a creditor cancels {$600.00} or more of debt, they are required to file a 1099-C with the IRS, and the canceled amount may be reported as income for tax purposes. 

IRS Form 1099-C ( Cancellation of Debt ) : The 1099-C reports canceled debt as income for tax filing purposes, but it is not actual income ( i.e., wages or earnings ). It is treated as income for tax calculation but is not reflective of the consumers regular income stream for creditworthiness purposes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Accounts linked to identity theft remain on my consumer report despite my prior notification. I never authorized these entries, and their continued presence violates federal identity theft protection laws. Enclosed are copies of my social security card and driver 's license for identity verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I have been basically locked out of my Bank of America account for three weeks. The double verification process has a cell phone that I no longer have access to as the number to send a verification code. I have called Bank of America and they can not fix this. They will try to provide me with other verification codes after we go through a lengthy process of verifying me in a different method. However, the codes that they are able to auto generate do not work when I plug them into the system. It has been extremely frustrating and has held up money that I needed to feed my son as Im in the middle of a divorce. My husband tracked us on the cell phone in question and broke into a hotel room where we were staying. I got rid of the cell phone and dont have access to it. I have tried to explain this in multiple ways on multiple occasions with multiple departments of Bank of America, including my personal banker and my business banker. Nobody can solve the problem. This is an issue of XXXX XXXX XXXX that simply doesnt work. I feel that Bank of America should be held responsible for holding my money away from me based on a process of verification that is not effective. They need to fix this technology and allow their consumers to access their funds, especially after theyre able to verify who I am through other methods.

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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I disputed information to TransUnion twice regarding debt that is really made up and illegal. They are following laws put in place to protect the consumer rights. And its not fair.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: LA

Complaint narrative:
I am writing to bring to your attention certain inaccuracies present in my credit report that require your immediate attention :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: GA

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 non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
Credit acceptance corporation uses predatory interest rates that Target low income low credit score individuals. I took out a loan on XX/XX/year>. The auto loan had an initial balance of {$22000.00}. With an extremely high interest rate above XXXX XXXX This interest rate makes it nearly impossible pay off the loan and undervalues the vehicle significantly. Of that initial balance. My remaining balance after nearly 2 years is just above {$15000.00}. I have had this vehicle appraised by a third party and the value is below {$5000.00}. I am paying an insanely high interest rate on a vehicle that is only worth XXXX XXXX XXXX of what I still owe. These interest rates and actions by this company are predatory and they targeted people who have no other options. I consider this to be financial abuse and I am in a situation where I can not pay off the loan and I can not even afford to get a new vehicle or roll my remaining balance into a new loan. 

The condition of this vehicle will not last the remainder of my term. Someday. Very soon I will be stuck with a very high interest rate and a very high balance on alone for a vehicle that was never worth what they were making me pay. Once again, this is predatory and should be illegal.

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