vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-14 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: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
After a thorough review of my consumer report, On XX/XX/2024 I sent a letter via certified mail to the NAVY FEDERAL CREDIT UNION XXXX XXXX XXXX XXXX XXXX, VA XXXX In regards to the inaccurate reporting of a charged-off debt for the amount of {$12000.00} on my consumer report. This letter was confirmed to be received by NAVY FEDERAL CREDIT UNION on XX/XX/2024. 
NAVY FEDERAL CREDIT UNION has failed to conduct an investigation in a timely manner, and is still negligently and willfully reporting this inaccurate information on my consumer report after they have been notified and received my correspondence that the information is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
on XX/XX/2023 i noticed additional charges on my credit card when i rented a room for my ex husband to heal after having a XXXX XXXX. Upon review of my card i noticed an additional {$44.00} of charges ( maxed out my card ) for " smoking ''. 
1 ) I don't smoke 2 ) if i did smoke there was not indication of additional fees charged for smoking or i would of gotten a smoking room. 

I spoke w/XXXX stating I had to contact owner emailing her disputing the charge. In the meantime I had disputed with mentioned credit card and charges were reversed in XX/XX/2023. Then I noticed that the charges were immediately reversed back creating a XXXX credit for dispute. initially the dispute was denied ( due to same ownership I can only assume ). However, I disputed it with documentation also providing the email address as no longer valid. The decision was reversed with Citibank stating i was credited already for the {$44.00}. I am providing you the actual statement that the charges were " reversed ' and credited back to me. According to my calculations it shows a credit was provided and immediately taken back. To my calculations the dispute was NOT credited it was XXXX out. Upon follow up speaking w/XXXX  REF # XXXX she indicated the credit was already credited on statement provided.

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 2024-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Unifin Inc.
State: NY

Complaint narrative:
Unifin was trying to contact me regarding a debt. They never left me messages on my cell phone or sent me anything by mail. 

On XX/XX/2024 a representative from the company called my place of work and questioned the receptionist about my whereabouts and what my position was/is at my organization. This made myself and the receptionist very uncomfortable. 

When I called Unifin back the woman was very rude and was unwilling to work with me. She bullied me into a payment agreement that I can not afford. When I tried to work this out with her she kept saying odd things like " my clients will not be happy ''. 

After our call I reached out to them via email ( as I was told to do ) on two separate occasions, they have refused to answer my emails and work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: DC

Complaint narrative:
I was scammed through my computer through cash app. A friend of mine was scammed as well. Cash app did the investigation but, they say that I authorized the transaction but I did not as I was scammed as well. On XX/XX/year> my computer stopped working and a message from XXXX flashed up that my computer was being hacked or words to that effect to call the flashing number to get the hackers out of my computer. Me like a XXXX called the number and the rest is history. I've had to cancel ALL of my banking information, contact the Maryland Department of Transportation as my ID is involve and requested an investigation through Cash App as that is where they got through. Cash App refuses to return the money I lost through my Bank Account through XXXX and a friend of mine was affected to the tune of {$450.00} which I pray she can recover. 

They used my ID and other information. I have contacted the MDOT, all my banking institutions and my wireless provider so they can send me another box to erase my TCPIP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
On about XX/XX/year>, I took advantage of a balance transfer promotion by Citi where the transfer would be interest free for 18 months ( I believe that is the term ). I incurred a transfer fee of {$180.00} which I paid to bring my balance back down to the original transfer amount of {$6000.00}. I was then enticed to make purchased, as I would get 2 % back ( 1 % for purchase and 1 % for payment ) plus another incentive for making purchases in the first 3 months. I did make purchases. I paid them off in full- as my current balance is below the original {$6000.00} interest free amount- it is currently at {$5700.00}. Citi is saying because I used the card for other purchases, even though my balance is below the original interest free amount, I will now be charged interest on the entire amount outstanding - currently at {$5700.00}. This is unfair, deceptive and an abusive practice against a senior citizen ( over XXXX )! They get a fee for {$180.00} to make the transfer, entice me to make purchases, and even though my balance is below the original {$6000.00}, I get charged interest on the whole amount? I want Citi fined, I want to be compensated for this abusive practice, and I want Citi to honor the original offer of having this {$6000.00} balance interest free for the original period.

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 2024-03-14 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: 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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : USC77 has violated my rights. Or a list of inquiries : 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 2024-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX XXXX Account Number : 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 2024-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MA

Complaint narrative:
Someone stole my phone while I was sleeping and use my fingerprint to withdraw cash from cash app account and they said it was my fault

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following account need to be removed : XXXX XXXX XXXX Account Number : 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 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 non-monetary relief
Consumer complaint received 2024-03-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XX/XX/2024 SEQUIUM ASSET SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Account # : XXXX Dear Sequium Assest Solutions I am writing to bring to your attention that, under the Consumer Financial Protection Bureau 's Regulation F, specifically 12 CFR 1006.34 ( B ) ( 5 ), you are required to provide validation information upon request.

As per the regulation, " Validation information means information that confirms the consumers name, the debt amount, and the name of the creditor to whom the debt is currently owed. '' I am formally requesting that you provide this validation information for the debt referenced in your recent communication.

Please ensure that the provided validation information includes : Confirmation of my name as it appears on your records.

The precise amount of the debt claimed.

The name of the creditor to whom the debt is currently owed.

I expect your compliance with this request within the timeframe specified by law. Failure to provide this validation information may result in a violation of federal regulations.

Furthermore, I remind you that all future communication regarding this matter should be in writing, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). I reserve all rights afforded to me by law in this matter. 
Thank you for your prompt attention to this request. I anticipate your timely response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-03-14 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: LEXISNEXIS
State: GA

Complaint narrative:
I am writing to formally request the freezing of my account 's. Due to inaccurate information in my credit report, I believe it is in my best interest to temporarily freeze the account until the matter is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-14 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: ND

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX XXXXXXXX XXXX ( Original Creditor : XXXX  XXXX XXXXXXXX XXXX ) Account Number : XXXX, Account Name : XXXX  Account Number : XXXX, Account Name : XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX, and so on.

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 2024-03-14 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: ND

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX  ( Original Creditor : XXXX XXXX ) Account Number : XXXX, and so on.

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 2024-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IN

Complaint narrative:
I am responding to your contact. You reported and identified a debt that is not mine. I do not have any responsibility for the debt youre trying to collect. I have never had an account with IC Systems. 
I am disputing the validity of the debt.

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 2024-03-14 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: AL

Complaint narrative:
As a victim of the XXXX data breach, I am deeply concerned about the security and accuracy of my personal information. The breach compromised sensitive data, putting me at risk of identity theft and financial harm. Therefore, I urgently request the deletion of certain items from my Experian credit report to mitigate the potential consequences of this breach. These items may include inaccuracies, fraudulent accounts, or any information that could be linked to the breach and its aftermath. It's crucial for my financial well-being and peace of mind that these issues are addressed promptly and thoroughly.

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