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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
By checking my credit report I have found a fraudulent account from XXXX XXXX XXXX with the account number XXXX opened on XX/XX/year>, this account is fraudulent please remove it from my credit report as soon as 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 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX Opened XX/XX/year> {$880.00} My information may have been impacted by the XXXX, TransUnion and XXXX Data Breach and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Ive asked the following questions to these companies and they have not responded with any accurate info my information was abused through the on going years and I want my life back Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges. Copies of any signed agreements or contracts pertaining to the debt. Evidence your company has legal standings of debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies.

15 U.S.C. 1681s-2 This section of the code covers the responsibilities of information providers to consumer reporting agencies. It prohibits the reporting of inaccurate information, and requires that information providers correct inaccurate information after being notified by the consumer. 

15 U.S.C. 1681i This section of the code covers the procedure for handling disputed accuracy. It requires that agencies provide consumers with a description of the process used to determine the accuracy of information, and that consumers have the right to add a statement to their file disputing the accuracy of the information. 

When a consumer disputes inaccurate information, the credit reporting company must investigate the information, and stop reporting it if it can not be verified. The company must also provide a notice to the consumer, and give them the option to add a statement to their file.

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

Complaint narrative:
I am enrolled in the opps program and still was charged overdraft fees.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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: MA

Complaint narrative:
in accordance with the Far Crear Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX. Phone : ( XXXX ) XXXX, has violated my rights 15 U.S C 1681 section 602 A. States | have the right to privacy 15 U S C 1681 Section 604 A Section 2 : It aiso states a consumer reporting agency can not furnish a account without my wrten instructionse

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: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: PA

Complaint narrative:
Aspire credit card sold my account to XXXX XXXX  on XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX Mn. XXXX phone # XXXXand XXXX. They list another address at XXXX XXXX XXXX XXXX XXXX Mn. XXXX. This account is written off and listed as in collection with all 3 credit agencies reflecting on my report. I never received a 1099 c from Aspire or XXXX XXXX according to IRS sect. 62 ( A ) ( 12 ) sect 6050p to pay taxes on the {$710.00} since it was written off. Income should not be reported on credit report. And this reporting is inaccurate. Also violating privacy act.

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 card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
I am a victim of identity theft. Someone used my name and personal information to recently apply for and opened up a Barclays Bank credit card account in my name. I have never applied for or opened a Barclays Bank credit card account. I have never had a Barclays Bank credit card account. I was XXXX  from XX/XX/XXXX until XX/XX/XXXX. Full Name : XXXX XXXX XXXX, DOB : XX/XX/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 explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent account XXXX XXXX XXXX account number XXXX, has violated my rights. 

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. Also states a consumer reporting agency can not furnish an account without my written instructions.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX Opened XX/XX/year> {$880.00} My information XXXX have been impacted by the Equifax, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Ive asked the following questions to these companies and they have not responded with any accurate info my information was abused through the on going years and I want my life back Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges. Copies of any signed agreements or contracts pertaining to the debt. Evidence your company has legal standings of debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies.

15 U.S.C. 1681s-2 This section of the code covers the responsibilities of information providers to consumer reporting agencies. It prohibits the reporting of inaccurate information, and requires that information providers correct inaccurate information after being notified by the consumer. 

15 U.S.C. 1681i This section of the code covers the procedure for handling disputed accuracy. It requires that agencies provide consumers with a description of the process used to determine the accuracy of information, and that consumers have the right to add a statement to their file disputing the accuracy of the information. 

When a consumer disputes inaccurate information, the credit reporting company must investigate the information, and stop reporting it if it can not be verified. The company must also provide a notice to the consumer, and give them the option to add a statement to their file.

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: OH

Complaint narrative:
XXXX XXXX Opened XX/XX/year> {$880.00} My information may have been impacted by the XXXX, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Ive asked the following questions to these companies and they have not responded with any accurate info my information was abused through the on going years and I want my life back Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges. Copies of any signed agreements or contracts pertaining to the debt. Evidence your company has legal standings of debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. 

15 U.S.C. 1681s-2 This section of the code covers the responsibilities of information providers to consumer reporting agencies. It prohibits the reporting of inaccurate information, and requires that information providers correct inaccurate information after being notified by the consumer. 

15 U.S.C. 1681i This section of the code covers the procedure for handling disputed accuracy. It requires that agencies provide consumers with a description of the process used to determine the accuracy of information, and that consumers have the right to add a statement to their file disputing the accuracy of the information. 

When a consumer disputes inaccurate information, the credit reporting company must investigate the information, and stop reporting it if it can not be verified. The company must also provide a notice to the consumer, and give them the option to add a statement to their file.

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: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX, i was a wells fargo customer. my mom was a wells fargo customer. this was in XXXX, ca. my older brother XXXX XXXX and myself were added to my mothers account when her XXXX got to be to much. I was taking care of my mom, XXXX XXXX, in her home in XXXX, ca. My brother, XXXX XXXX, was stealing her money through wells fargo in XXXX, ca and her wealth management company XXXX XXXX in XXXX ca. He was blaming me for it. I dont even know how do that. He was able to convince wells fargo, they closed my accounts. They kept me on my mothers accounts until XXXX. Which makes no sense to me. My brother abducted her from her home in XXXX, put her in a XXXX in florida where he lives, completely isolating her. He sold her home in XXXX, XXXX XXXX supposed through XXXX XXXX. My mom had a trust, i was XXXX XXXX. 
My mom died in XX/XX/XXXX, in XXXX. My mom had over XXXX XXXX, my brother stole all of it. Wells Fargo helped him. They refuse to explain why i was kept on my moms account for years after i was told i was taken off the account. i had no access, but was kept on. After talking through their legal department with my records, they sent me a check for {$110.00}. No clue what {$110.00} was supposed to clear up. I KNOW MY BROTHER XXXX COMMITTED FRAUD AND I KNOW WELLS FARGO HELPED HIM DO IT. I WAS ANSWERS SO I KNOW WHAT I CAN LEGALLY DO ABOUT IT. The branch where i live in XXXX, ca claim they dont know how to help. PLEASE TELL ME WHAT I CAN DO. THIS RUINED MY LIFE. My brother is claiming in XXXX XXXX probate that my mom had nothing and that there was never a TRUST. NO ONE IS HELPING ME BECAUSE IM POOR. So my brother just gets away with this? PLEASE PLEASE PLEASE I BEG YOU, HELP 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 explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Im requesting that my information be removed as there has been way too many breaches within the three credit bureaus and my information is neither protected or is not available to me the consumer and I dont feel comfortable or safe

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: Struggling to pay your loan — Denied request to lower payments
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was XXXX  from my job and needed to defer my payments. Truist denied me and said the reason why was because they required a return to work date and because I had admitted that I was XXXX, they could not approve any such deferment. WHAT? And wow. 
Because of this predatory practice, I now live paycheck to paycheck. I can barely feed myself because my family needs food more and I'm still paying down debts collected trying to keep up my head above water. 
I have already reached out to this site and was met with similar lack of insite and support. 

Can you just pass along to Truist that they are not and never will be a priority to pay? I will continue looking for any other bank that treats it's people like humans, to switch my loan over to. I truly hope this country sees the results of it's focus on greed over people. 
Taking advantage of people who have so little has now become the american way. Disappointing.

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 card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
Each month I go on my fifth third on-line payment portal to pay my current credit card statement balance. As a matter of practice, I always pay the full indicated statement balance to avoid interest charges. During the last two billing cycles I have been charged interest, even though I paid the full statement balance as indicated on the portal. In each instance I was paying after the 3rd of the month, which is when the monthly statements are posted, and in each instance I paid before the indicated due date. 

I called fifth third, explained what happened, and related that I had screenshots of the transactions. In the first two attempts I was told the representatives could not access my accounts ( I was later told that I had called too early, and needed to call back later ). I called again later, and after several jumps up the cue to a supervisor, I was told, again, that I didn't pay the full statement balance. I attempted twice to email them my screen shots indicating that I had paid the statement balance indicated on their portal, but in each instance the supervisor told me she didn't get the emails. Each time, I confirmed with her that I was using the correct email address. 

During our 'conversations ', the supervisor told me that regardless, they could not forgive the interest charges. According to her, the statement amount that I paid on the portal was not the amount on the statement. How can fifth third 's card billing be so faulty that the payment portal lists a statement due amount that differs from the statement amount listed on the bill ( I went back to compare the e-bill statement amount to the portal statement amount to find that, in fact, they don't match. This has never happened in 10+ years of paying the statement amount using the fifth third on-line payment portal. How can it be legal, or defensible, or proper, or not a fraud, or a trap, to list a lower due amount on the payment portal than that listed on the e-bill, and how would a consumer 'understand ' which one to give credence to in advance? 

This smacks of nothing than a change in billing practices constructed to generate income by deceiving consumers. I want the interest removed, and the practice corrected, and for fifth third to review credit customers to identify any others who have been trapped by this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), I am formally opting out of any and all authorizations that I may have provided, whether written, unwritten, verbal, or nonverbal, to XXXX XXXX XXXX XXXX . This opt-out request also applies to Early Warning reporting and the sharing of my information with non-affiliated third parties, per 15 U.S.C. 6802 ( b ). 

Under 15 U.S.C. 6802 ( b ), financial institutions are required to give consumers a clear and conspicuous notice and an opportunity to opt out of sharing nonpublic personal information with nonaffiliated third parties. Failure to provide this notice or disclosure violates my rights under federal law. 

Additionally, according to 16 CFR Part 313 ( Regulation P ), financial institutions must provide initial and annual privacy notices to customers, detailing their rights to opt out of certain information sharing practices. The failure to provide this disclosure not only infringes on my privacy rights but also constitutes a violation of 16 CFR 313.7 and 313.10. 

In light of these violations, I am requesting damages in the amount of {$1000.00} per violation, as provided for under the FCRA, specifically under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ), which allows for statutory damages in cases of willful noncompliance. Given the failure to disclose my opt-out rights, I am entitled to this statutory compensation. 

Details of Complaint Disputes : XXXX and XXXX Financial Institution : XXXX XXXX XXXX XXXX Violations : Failure to provide clear and conspicuous opt-out disclosure, as required by 15 U.S.C. 6802 ( b ) Noncompliance with privacy notice obligations under 16 CFR Part 313, specifically 313.7 and 313.10

Company response to consumer: Closed with explanation