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: Improper use of your report — Reporting company used your report improperly
Company: Accscient, LLC
State: GA

Complaint narrative:
According to HIPAA, medical bills can not be included in a consumer report because they may disclose protected health information, which is confidential under federal law. Including these bills on a credit report without my explicit authorization is a violation of my privacy rights under HIPAA, as well as the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy and privacy of consumer information. 

I also want to emphasize that I never gave XXXX XXXX permission to sell, share, or transfer my non-public personal information, nor did I authorize Nationwide Recovery Services to purchase, receive, or use this information. Such unauthorized handling of my private information constitutes aggravated identity theft under 18 USC 1028A. In addition, According to IRS guidelines, an unpaid charge-off qualifies as income, and under the FCRA, income should not appear on a credit report. I am formally requesting a 1099-C ( Cancellation of Debt ) from XXXX XXXX XXXX XXXX Creditor ), for the charged-off accounts listed below : Nationwide Recovery Services - XXXX I am demanding the immediate removal of all medical debt related to these accounts from my credit report. Failure to comply with this request will result in any necessary legal action to protect my rights.

Company response to consumer: Untimely response
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: 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, XXXX, and Transunion 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 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Payward Ventures Inc. dba Kraken
State: LA

Complaint narrative:
On XX/XX/XXXX i accidently deposited wrapped flare instead of flare into my flare wallet on the kraken exchange. 

After contacting customer support they stated, 'attempting to recover misrouted digital assets is a painstakingly difficult and resource-intensive process, requiring an exacting auditable process with thorough checks and balances. ' then they later stated that they would not assist me in recovering the assets. 

They are holding my assets in their custody and refusing to assist or give me the access necessary to return the funds to my custody.

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 information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have asked Experian Credit Bureau on several occasions to verify and update this XXXX  XXXX account ( Account number XXXX ) that I had disputed with accurate information the last time was last month XX/XX/XXXX and they assured me that all information was verified and was accurate and that the account would be unchanged, I can see from my credit report that several inaccuracies remain the most obvious inaccuracy is the fact they are reporting 150 days late in XXXX & XXXX of XXXX which is not possible.

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: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
Someone walked into a SunCoast credit Union and with the help of a teller stole money from my checking account. I was never notified of this and only came across it checking my account 2 days later. On XX/XX/XXXX someone went in the XXXX SunCoast Credit Union and with the help of a teller {$110.00} was stolen from my account with the help of a teller, that same bank employee ( a thief ) used that money to supply 2 fraudulent money orders to the thief ( possible partner? ). 

I went to my local SunCoast branch on XX/XX/XXXX to inquire about that transaction and learned that in fact it was done in person at the XXXX, XXXX  location. I was told in the office that they were speaking to the XXXX location manager, and an investigation was under way since they can clearly see it wasn't me who stole my money. 2 weeks later I have not been reimbursed... 2weeks later NOBODY has reached out to me period. 

I went to the bank on XX/XX/XXXX to withdraw the majority of my money out since SunCoast Credit Union stole my money and refuse to make me whole again. While I was removing my money from Suncoast Credit union to make sure it was safe from SunCoast Credit Union employee 's a Suncoast Credit Union employee ( door monitor ) actually walks up to me while withdrawing my money and begins to lecture me in front of 30 people. I was told they tried to call me once and my phone was disconnected. I specifically asked if they tried more than once and asked why I didn't get an email. This door monitor continuously said in front of everyone that my phone was disconnected while completely ignoring my constant question about why Suncoast Credit Union didn't email me. 
XXXX ( teller ) held my hand as because I'm severely XXXX and have medical episodes. XXXX comforted me amongst all of the stress and burden Suncoast Credit Union has trapped me into. I have had XXXX  surgeries in 11 months and multiple medical conditions, so I don't feel safe going into the location with the door monitor so aggressive that they approached me at the teller without even introducing themselves Suncoast credit union has illegally taken money from account. I asked if someone had documents with my name or did your employee steal money from my account. I told them if someone had documents with my name I needed to know, and they completely ignored me. I updated all of my information especially my phone number and email. It's been XXXX weeks, and as a person who lives on XXXX, I need my money to survive. Suncoast credit union 100 % caused this problem but refuses to do anything.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please remove these Fraudulent inquiries 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 information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
It is disheartening to know that my rights as a consumer is being violated. I value my credit score a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I've been trying to fix this for some time and my requests kept getting ignored and/or disregarded to rectify these issues and my concerns regarding the inaccuracies in my credit report.

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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have errors on my record which is incorrect, I've paid all my bills and now I'm struggling to get ahead in life because of these inaccuracies.

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: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
Wells Fargo was not forthcoming on the timeline to repossess the vehicle. Ive been reassured that as long as I stayed in contact and made payments or scheduled ( promise to pay ) then they wouldnt repossess the vehicle. 
I believe There was a tracker placed on my truck XXXX evening as I was in the garage, door closed, and heard someone out front, there was a noise of sorts like a programmed key fob sound. I believe there was a tracking device placed on my truck in XXXX without my consent, ( is this legal? ). 

I have been in contact the last few months with wells Fargo about past due payments. I have made payments and they have reassured me that the repossession was not active. 
I talked with a Wells Fargo representative on XX/XX/XXXX, where I made a payment and was reassured that the vehicle was not going to be repossessed. 


In the am hours of XX/XX/XXXX, The vehicle was repossessed with no notice from them. I have personal belongings including an antique engagement ring in the vehicle. Today is a banking holiday. 

The late fees and interest theyve charged is suffocating. They are aware of my recent unemployment due to XXXX surgeries. I have not been able to perform my trade of XXXX  years, but have still kept in contact as well as made payments on what I could. All of my unemployment is going towards this auto loan. Wells Fargo is unwilling to have a payment arrangement, or help with payments. They told me I have XXXX deferments on the loan which would give me XXXX months time to catch up. But they denied the deferments? 
It aint right.

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 — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Payment was pending for my student loan payment from navy federal checking account for days until other money came out and it went negative. Then I got an overdraft fee and returned check fee. 

XX/XX/XXXX {$29.00} returned check fee XX/XX/XXXX {$29.00} returned item fee

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: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: KY

Complaint narrative:
Card is still not working after multiple attempts. This is getting out of hand the issues with using these cards. Purchased {$500.00} card on XX/XX/year> Also, sent in documentation to XXXX from both XXXX and XXXX. Here is email : Please make active or send replacement to XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, KY XXXX Sending card, id, and address docs as requested. Please confirm.

Company response to consumer: Closed with explanation
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: BARCLAYS BANK DELAWARE
State: ME

Complaint narrative:
My credit card was charged multiple times with Cash advances that were not mine. Fraud. I communicated this to Barclaycardus. I have already provided information about this. 

The company keeps telling me that a manager will call me. They say 24 to 48 hours but do not provide me the name of the person or the number they are calling from. Because their phone number is not in my contacts the calls are marked as potential spam. I don't know where the calls are coming from. I don't even know if someone has actually tried to contact me. 

I have messaged them often and yet, they don't seem to be doing anything to resolve this 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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: Experian Information Solutions 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 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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
After reviewing my credit report, I found several inquiries from your company that I dont remember authorizing. This is causing me a lot of stress, as these inquiries are impacting my credit score.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
After reviewing my credit report, I found several inquiries from your company that I dont remember authorizing. This is causing me a lot of stress, as these inquiries are impacting my credit score.

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: EQUIFAX, INC.
State: LA

Complaint narrative:
It is disheartening to know that my rights as a consumer is being violated. I value my credit score a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I've been trying to fix this for some time and my requests kept getting ignored and/or disregarded to rectify these issues and my concerns regarding the inaccuracies in my credit report.

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 — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
On XXXX XXXX account was removed from my credit report after I disputed this company LVNV Funding LLC since I never signed or did any business with this company, and it keep being added to my credit report. 

On XX/XX/year> account was removed from my credit report, and it was added back to my credit report XXXX XXXX  account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
My account is closed because of the fees XXXX Navy FederaXXXX

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
Ive had Navy Federal since 2018 and Ive been charged overdraft fees Randomly when I have the money in 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: 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 was banking with Navy Federal and they closed my account and never gave me an explanation or a means to why it was closed or an email or letter to my home explaining why. I wasn't working and I signed up for over draft protection but I never understood why I continued to get overdraft fees and this wasn't happening before but I guess because I was looking for a job and subscriptions were trying to come out of my account they would continue to charge me {$35.00} for each transaction. When I called I spoke to a woman I don't remember what her name was but I explained that my job went bankrupt and had to let us go and that I have overdraft protection I don't understand why I am being charged for each transaction when it shouldn't be she could not understand either but told me she sees the overdraft so she isn't understanding why I am being charged at all. She told me she would look into it and never called back and she was busy every time I tried calling to speak to her they closed my checking account earlier part of this year i now only have a savings account. They also deleted messages about any alerts I had in my app about returned item notice, account low balance, and any overdraft fees they have charged me.

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