vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-08 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: PA

Complaint narrative:
I am writing as a consumer to exercise my rights under 15 U.S.C. 6802, 12 CFR 1016.7, and 16 CFR 313.7. This correspondence serves as my formal request for TransUnion ( TU ) to show proof of the XXXX ( XXXX ) disclosures that are required to be provided to me as a consumer, pursuant to the previously stated statutes and regulations that gives my permission to report information to my consumer report. Upon TUs inability to show proof of disclosures, I request to : Revoke any and all permissions I MAY have given TU verbally, non-verbally, written, non-written, electronically, or non-electronically. I formally choose to OPT OUT of reporting the following accounts to my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As per the aforementioned laws and regulations, I expect XXXX to : XXXX. Immediately cease reporting the above mentioned accounts to my consumer report. 
XXXX. Terminate all information sharing about the above mentioned accounts with nonaffiliated third parties. 
XXXX. Inform me of the specific procedures you have in place to honor consumer opt-out requests, as required by 12 CFR 1016.7 ( a ) ( 1 ) ( iii ).

4. Comply with this opt-out request as soon as reasonably practicable, as mandated by 12 CFR 1016.7 ( g ). I expect written confirmation of compliance with this request within 15 business days.

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 2024-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: IL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

C

ommunication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Received mail stating that a balance of {$2200.00} for a XXXX credit card that I did not open. The letter was from Resurgent Capital Services. I called the number on the paper XXXX. They told me to log on to the XXXX account ( which i do not have ) to see the information on my account. They could not give me any information on the account. This has not showed up on any of the credit reporting agencies. 
They told me to get a police report and sent an alfadavid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
Good Day XXXXXXXX XXXX Trusit  Checking account # XXXX i opended claim on XX/XX/year> amount of {$60.00} debited from XXXX XXXX XXXX XXXXXXXX XXXX DEBIT CARD PURCHASE due to item returned but never received refund, on XX/XX/year> i received the credit from Trusit and Merchant so Tuist issued letter the claim resolved and amount of {$60.00} will debited from account, now truist debited the {$60.00} twice on XX/XX/year>, XX/XX/year> attached copy of my bank account acitivity Truist must issued credit of {$60.00} they debited from account, since already debited on XX/XX/scrub> 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 2024-11-08 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX said he needed my SSN so he can do a soft pull on my credit to make sure I have good credit. I was never made aware that I was applying to a credit card and that the company under would be mattress firm. I called a phone number provided by XXXX credit report and found out that I have a credit card that I never authorized to open.

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 2024-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am writing to address a critical issue that has significantly impacted my credit score and financial standing. In XXXX, I contacted their support team to report fraudulent charges on my account related to XXXX XXXX XXXX including but not limited to XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. Following their guidance, I reported the situation to their fraud department and disputed all these charges. 

However, despite taking the necessary steps to report the fraud and dispute these unauthorized transactions, my credit score has suffered XXXX as a result. Consequently, I am now unable to qualify for a mortgage or secure housing. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: SC

Complaint narrative:
I recently saw that Navy Federal was fined for illegal overdraft fees. For years I would get overdraft fees from Navy Federal and not understand why. I always assumed it somehow did something wrong, but now Im unsure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NC

Complaint narrative:
Regarding an open collection on my credit report associated with IC System, I have reviewed all my records and confirm that I do not owe any outstanding balance to this organization. IC System has not provided any documentation to substantiate the alleged debt. This unresolved issue is impacting my credit score, and without proof of debt, I believe this collection is inaccurate. I am requesting that IC System remove this collection entry from my credit report to reflect my true financial standing.

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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN : XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX Request for Goodwill Deletion of Account XXXX In Bankruptcy To Whom It May Concern, I hope you are doing well. I am writing to kindly request a **goodwill deletion** of the account XXXX ( please refer to my SSN to look up the account ) that was included in a bankruptcy proceeding. 

While I am aware that the debt associated with this account was XXXX in bankruptcy as of XX/XX/year>2024, I would like to request that the account be removed from my credit report as a gesture of goodwill. 

I understand that the account reflects a XXXX debt, and I recognize that it may continue to impact my credit report. However, I am hoping for your consideration in removing this entry, as it significantly affects my ability to rebuild my credit and move forward financially. I am committed to improving my financial situation and have taken steps to responsibly manage my credit since the discharge. 

I respectfully ask for your understanding in this matter, as the removal of this account from my credit report would provide a valuable opportunity for me to further rebuild my credit and work toward better financial stability. 

If you are able to accommodate this request, I would be very appreciative. Please let me know if you need any additional information, and I would be happy to provide documentation regarding the discharge of the debt. 

Thank you for your time and consideration. I truly hope you will consider this request as an act of goodwill, and I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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 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 2024-11-08 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN

Complaint narrative:
On XX/XX/year> {$4900.00} was deposited into my checking account and immediately taken out. We never really use that account and the balance never changed. It was not brought to our attention until we received a letter dated XX/XX/year> stating a 1 time transfer debit in the amount of {$4900.00} was debited from an external account. After seeing that our checking account was now overdrawn for {$4900.00} we immediately called USAA. They took all the details and said they would be in touch. We received a letter dated XX/XX/year> stating they could find no fraudulent activity! 
We called again, and again they would look into it. We did then receive a letter dated XX/XX/year> stating the funds had been transferred from XXXX XXXX XXXX XXXX XXXX. 

I called again in XX/XX/XXXX, XXXX promised he would called me back as there was systemwide outage of their fraud tools! 
9 days later, here we are, no call back, no resolution. 
I have specifically asked for the transaction details showing where the money was transfer from and to. Which financial institution and what accounts so I can prove that I do not own those accounts. I also want the type of device and IP address where the transactions occurred. I am a flight attendant and was working on the airplane that day and show where I was. 
The phone call today again proved fruitless. The money came from XXXX ( finance ) The owner of that account said they had not authorized it and so it was return the same day. So how is it {$4900.00} XXXX drawn. Obviously the money was removed somewhere else that day. USSA do need seem capable of looking further into this and there is no was to speak to their fraud department as apparently it is " back end operations ''

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 2024-11-08 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-11-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I have a Citibank double cash credit card that shows an available balance. Citi states they closed the account in 2023 but has been unable to provide documentation showing they closed the account. I have spoke with Citi and the agents were unable to explain why an available balance would be showing if the account was closed. After speaking to Citi they sent notification that they can not reopen the account since it has been too long since it was closed. Again the account does not show closed on their online site and shows with an available balance. The attaches screen shots are from XXXX. On the screen shows there is a closed account that shows how Citi displays when an account is closed. Again the Citi XXXX XXXX does not show closed.

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 2024-11-08 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: TX

Complaint narrative:
The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate reporting.

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 2024-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to 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 non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Tenaglia & Hunt, PA
State: MD

Complaint narrative:
To Whom It May Concern, I am reaching out to file a formal complaint regarding Tenaglia & Hunt, P.A., a law firm that handled my wage garnishment. Despite my debt being fully satisfied, the firm has failed to cease the garnishment and owes me a refund of {$77.00} due to overpayment. For the past year and a half, I have made repeated attempts to contact Tenaglia & Hunt, P.A. regarding this matter, but I have consistently been met with unresponsiveness and inaccurate information. 

Background Information : Garnishment Initiation : XX/XX/year> Primary Contact ( XXXX ) : XXXX XXXX ( spoke in XX/XX/year> ), XXXX XXXX, and XXXX XXXX ( via recent email correspondence ) Amount Overpaid : {$77.00} ( based on a final payment of {$360.00}, which exceeded the full debt balance ) Total Paid Balance : Entire debt amount per initial court documents has been met and satisfied. 

Summary of Communication Attempts and Issues : 1. Lack of Response : Over the past XXXX years, I have made numerous calls and left messages for Tenaglia & Hunt, P.A. However, I have only been able to speak with someone handling my account once, and there has been no follow-up. 
XXXX. Email Correspondence : I emailed the firm most recently, notifying them that the debt is fully satisfied and requesting a refund of the overpaid amount. I also requested they dismiss the garnishment and inform my HR department to stop wage deductions. I only received an email response from XXXX XXXX, stating an incorrect balance of {$280.00}, which is false. 
XXXX. Failure to Dismiss Garnishment : Despite my debt being paid, Tenaglia & Hunt has not issued a dismissal of the garnishment, causing continued deductions from my wages. 

Given the continuous lack of communication and failure to take appropriate action, I am requesting the CFPBs assistance in ensuring the law firm ceases the garnishment, refunds the overpayment, and provides accurate documentation reflecting the debts full satisfaction. 

This ongoing situation has been both stressful and financially burdensome. I believe Tenaglia & Hunt, P.A.s actions reflect poor management and disregard for their clients financial rights, and I am seeking urgent intervention to resolve this matter. 

Thank you for your time and consideration in addressing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: SC

Complaint narrative:
On XXXX, Aidvantage placed my student loan account on Forbearance for disaster relief without my consent. I was advised that Aidvantage received notification from the Department of Eduction to place my account on forbearance. On XXXX, Aidvantage advised that I was sent an email of the Forebearance. My response was that at no time did I authorize or consent to the forbearance either verbally or digitally.

Company response to consumer: Closed with explanation