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: PA

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 2024-11-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: IL

Complaint narrative:
On XX/XX/year>, I submitted a formal debt validation request to ProCollect, Inc. regarding two alleged debts ( Account Numbers : __ and __ ). Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( b ), ProCollect is required to provide full validation of the debt upon my request, including any supporting documentation substantiating the debt and confirmation of their authority to collect in my state. 

On XX/XX/year>, ProCollect sent an incomplete response, which included only : A partial incomplete copy of the original lease An itemized bill An incomplete rental application Contract information for a lease term insurance group ProCollect failed to provide other requested documentation essential for validating the debt, including : Proof of full payment history. 
An itemized breakdown of charges. 
Chain of title, showing the transfer of the debt. 
Confirmation of their authorization to operate and collect debts in Illinois. 
Documentation showing that ProCollect is legally permitted to pursue collection and report this alleged debt. 

They also did not provide validation that they have the right to charge or pursue this debt based on Illinois state requirements. Since I am in an active dispute with the original creditor, XXXX XXXX, regarding the validity and accuracy of the alleged debt, this account should not be reported to credit bureaus until it is resolved under FDCPA - 15 U.S.C. 1692g ( b ). ProCollect 's incomplete response within the required 30-day period violates both the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ).

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: 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: PR

Complaint narrative:
Dear XXXX Card Services, I am requesting a review and action regarding the information reported on my XXXX credit card account ( Account Number : XXXX ). 

I wish to express my desire that the information on this account not be included or continue to be reported to the credit agencies, specifically due to a temporary financial hardship. I am taking steps to address this financial difficulty and avoid any negative impact on my credit score, and I would appreciate your support in this effort. 

Thank you for your understanding and consideration. I hope that you can process this request in the interest of maintaining a positive relationship. Please let me know if you require any additional information. 

Sincerely, 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 2024-11-11 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: PR

Complaint narrative:
Dear XXXX Card Services, I am requesting a review and action regarding the information reported on my XXXX credit card account ( Account Number : XXXX ). 

I wish to express my desire that the information on this account not be included or continue to be reported to the credit agencies, specifically due to a temporary financial hardship. I am taking steps to address this financial difficulty and avoid any negative impact on my credit score, and I would appreciate your support in this effort. 

Thank you for your understanding and consideration. I hope that you can process this request in the interest of maintaining a positive relationship. Please let me know if you require any additional information. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Driveway Finance Corporation
State: NJ

Complaint narrative:
DRIVEWAY FINANCE CORPORATION FINANCED MY CAR & THE LOAN AND INTEREST {$37000.00}. FOR EACH MONTH I PAID MORE THE AMOUNT REQUIRED. THE CURRENT PRINCIPAL AS OF XX/XX/year> PER BILLING STATEMENT WAS {$31000.00}. HOWEVER, FORM XX/XX/year> TO XX/XX/year>, PRINCIPAL BALANCE WAS OMMITED FROM STATEMENT AND ONLY THE AMOUNT FINANCED OF {$37000.00} WAS SHOWN. I NOTICED XXXX XXXX XXXX PRINCIPAL BALANCE ON A BILL DATED XX/XX/year> AND SENT A REQUEST LETTER TO THE ACCOUNT ACCOUNT ACCOUNT XXXX TO CORRECT THE MISTAKE/ERROR. PER XXXX XXXX, THE LETTER WAS DILEVERED ON XX/XX/year> AT XXXX XXXX. I GOT A BILLING STATEMENT DATED XX/XX/year>, DRIVEWAY FINCANCE COPORATION FAILED TO CORRECT THE MISTAKE AND IGNORED MY REQUEST. NO XX/XX/year>, I ATTACHED A COPY OF THE REQUEST TO A LETTER I SENT TO CEO, XXXX XXXX AND IN MY LETTER, I REQUESTED THE CEO TO HAVE THE MISTAKE/ERROR CORRECTED. USPS TRACKING SHOWED THE LETTER WAS DELIVERED NO XX/XX/year> AT XXXX XXXX THE BILLING STATEMENT I RECEIVED DATED XX/XX/year> SHOWS NO CURRECTION

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 with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: IA

Complaint narrative:
Last Thursday ( XX/XX/year> ) I was extorted out of {$700.00} online, I payed through my bank and immediately applied for an appeal but am continuously denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Two checks # XXXX & # XXXX memo ; XXXX XXXX XXXX XXXX dated XX/XX/year>. Two amounts : {$3700.00} {$9700.00} totalling {$13000.00}. Both ficticious items paid to the order myself XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: MA

Complaint narrative:
I sent the Rent Recovery Solutions notification I was the victim of identity theft, have frozen my social security number and put a fraud alert into place. They mailed a notice to me of what i was required to send them to prove identity theft. I sent all required documentation and more. When I called to inquire about it. I spoke with a gentleman who would only go by the name XXXX XXXX at ( XXXX ) XXXX. He was extremely rude, told me the debt was mine and proceeded to hang up on me. I've called and left messages since and have heard nothing back. I spoke with XXXX XXXX on XX/XX/year>, at XXXX. We have now surpassed 30 days and I have received nothing in regards to the state of my debts they say I owe them.

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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. Please remove all fraudulent inaccurate accounts as I have no know of any of these accounts due to the XXXX XXXX XXXX data breaches/ identity theft. All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Since 4 business days from receipt of this communication allotted under the Federal Law to block these entries, it should be understood that failure to do so within a 4 business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My banking information got stolen and more the XXXX grand was taken out within a day. The bank wells fargo is denying my claim saying that it was me. I called when the first transaction happened and asked for everything to be shut off. They did not shut it off proceeding it the XXXX grand being taken out of my account the next day.

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: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PRANCER CAPITAL CORP
State: PA

Complaint narrative:
No information was sent to lessee address of information or balance statement.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report. 

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, XXXX, and TransUnion data breaches, which makes me even more worried about how my personal information is being handled.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report. 

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, Experian, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.

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 — Public record information inaccurate
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally request verification of a debt listed on my credit report associated with a XXXX. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request validation of any debt that is reported to the credit bureaus. 

Specifically, I am requesting that you provide physical documentation verifying this debt, including : 1. The amount of the debt. 
2. The name of the original creditor.

3. A copy of the original account agreement.

4. Any other documentation that establishes my obligation to pay this debt. 

Please note that I understand the bankruptcy courts do not verify individual debts. Therefore, I require concrete evidence from your office to substantiate your claims. 

I ask that you remove this debt from my credit report in accordance with the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). These regulations mandate that all reported information must be accurate and verifiable.

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: FL

Complaint narrative:
I have an pop loan and they have frozen my account and they charged me XXXX to access it and frozen my account because I didnt pay it back on time and Im on a fixed income and I tried talking to them but havent gotten anywhere and it was an XXXX XXXX

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 2024-11-11 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: 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 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: TX

Complaint narrative:
This message is in response to CFPB complaint number XXXX concerning the inaccurate reporting of the XXXX XXXX account on my credit report. 

XXXX response claims that this account was verified, yet no specific verification method was provided. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), credit bureaus are required to conduct a reasonable investigation and clearly explain their verification process. A vague statement of verification, without transparency on the method used, does not meet the requirements set forth in the FCRA. 

Please note : I have attached the original dispute letter, which was sent over a year ago in XX/XX/year>, as well as evidence showing that my personal information was compromised in a data breach. 
According to FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I am requesting the removal of this account within 4 days, as the compromised data directly impacts the accuracy and legitimacy of any information associated with my account. 
If I do not receive a satisfactory response, including details of the exact verification process and the removal of this account per the FCRA guidelines, I will pursue additional legal action for non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Navy federal keeps charging NFS fees after a week of something being pending for transaction. Its been going on since I got my bank acct.

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 belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft and unauthorized use of my personal information. I respectfully request that you block and permanently delete all the accounts and inquiries listed below from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ).

As stated under these provisions, I am entitled to have any information resulting from identity theft blocked from my credit report. I am asserting my rights under these federal laws to ensure that my credit report reflects only accurate and legitimate information. 
Accounts to be Blocked and Deleted : XXXX. XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX o Date Opened : XX/XX/XXXX o Balance : {$5200.00} XXXX. XXXX o Account XXXX : XXXX XXXX XXXX XXXX o Date Opened : XX/XX/XXXX o Balance : {$2700.00} XXXX. XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX o Date Opened : XX/XX/XXXX o Balance : {$14000.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$8700.00} XXXX. XXXX  XXXX o Account Number : XXXX XXXX XXXX o Date Opened : XX/XX/XXXX o Balance : {$9200.00} XXXX. XXXX XXXX o Account XXXX : XXXX XXXX XXXX XXXX o Date Opened : XX/XX/XXXX o Balance : {$1100.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX o Account Number : XXXX XXXX XXXX o Date Opened : XX/XX/XXXX o Balance : {$6100.00} Unauthorized Inquiries to be Removed : XXXX XXXX XXXX XXXX XXXX Date of Inquiry : 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 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: FL

Complaint narrative:
Submitting a complaint due to recent Class Action Lawsuit against Navy Federal Credit Union. I believe overdraft fees was taken illegally or incorrectly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief