vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-22 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: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX 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 2024-03-22 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:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX 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 2024-03-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I have a XXXX XXXX  with Synchrony Bank and matured on this XX/XX/2024, The total amount on the CD is {$110000.00}. On the maturate day, I called the bank and asked to 1 ) close my account and 2 ) allow the fund to be transferred to another bank ( XXXX Bank ). On the following day, this sum of money showed up on my new account at XXXX bank. I thought that the money transferal was successful. 

However, after about XXXX weeks I received XXXX bank statements on the same day. XXXX is from the XXXX bank, the statement shows that my new account was funded on XX/XX/2024, and the APY is 5.8 %, while this fund was withdrawn on XX/XX/2024. The second one is from the Synchrony bank shows that my CD has renewed for another XXXX CD with an APY 4.00 %. 

I called the Synchrony bank and asked 1 ) why they didn't close my account, 2 ) why they withdrew the fund from the XXXX bank without my authority or permission, and XXXX ) to release my money immediately because I don't need their XXXX XXXX. Finally, I reached a supervisor or manager and she agreed to have an internal call review. After the call review time, I called them and I was told that they were not wrong and refused to release my money or ask me to pay a penalty ( ~ {$5500.00} ) if I wanted my money back. I requested them to send me a report on their call review. They refused.

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 2024-03-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEAE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT. 

Please REMOVE and DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 

XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to dispute a late payment entry that appears on my credit report. Upon reviewing my credit report, I noticed a late payment listed, which I believe to be inaccurate.My account with Navy Federal Credit Union was never late. This was clearly a billing error, and double dipping scheme. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am formally requsting an investigation into the presence of this late payment on my credit report. 
Below are the details of the disputed late payment entry : Creditor Name : Navy Federal Credit Union Account Number : XXXX XXXX XXXX XXXX The exclusion clause from the Fair Credit Reporting Act ( FCRA ) regarding " consumer reports '' reads : The term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. 
15 USC 1666 b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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 hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my Gmail emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

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 2024-03-22 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Per the Data Breach settlement, my information was compromised my Social Security number, account information, and personal information were intruded. The data breach incident has led to the inclusion of erroneous information in my credit report, which does not accurately reflect my financial standing. I am requesting that all data related to this breach be removed from my credit report immediately as it is not a true representation of my credit history. 

Furthermore, I would like to bring to your attention the laws and regulations that support my request for the deletion of these files. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or incomplete information on their credit reports. In cases where the information is a result of identity theft or a data breach, consumers are entitled to have such information removed promptly. 

I urge you to investigate this matter thoroughly and take the necessary steps to delete all erroneous data related to the data breach intrusion 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 explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On Monday, XX/XX/XXXX, I visited a Navy Federal branch in XXXX, VA and deposited a check from the U.S. Treasury in the amount of {$100000.00}. The teller informed me that the funds would be available the next day.

The next morning, I received an email from NFCU stating, " We're delaying {$100000.00} of your total deposit of {$100000.00} into your account ending in XXXX, received on XX/XX/2024. We've taken this precaution because we have reasonable cause to believe that the check is uncollectible from the paying bank based on confidential information that indicates that the check may not be paid. If the bank pays the check, you can expect to receive your funds within XXXX business days of your deposit. '' I called Navy Federal and e-messaged them on numerous occasions to understand why they determined this check to be uncollectable. Navy Federal initially claimed that this information was confidential and could not be released, but on Thursday, Navy Federal stated that the funds were scheduled to be released on Saturday, XX/XX/XXXX. Once Navy Federal essentially admitted that the funds were being held due to the dollar amount and not because the check was deemed uncollectable, I asked Navy Federal for access to {$5500.00} because I believe that 12 CFR 229 requires release of {$5500.00} of the deposit by the second business day ( Wednesday ) when the reason for the funds hold is a large deposit. ( XXXX XXXX XXXX XXXX XXXX ) Navy Federal refused this request and claimed that 12 CFR 229 does not apply to its organization. Navy Federal stated that its own policies and determinations are how it runs its business.

I encourage CFPB to obtain Navy Federal 's recordings of the phone calls I had with them, in addition to copies of the e-Messages I had with Navy Federal.

I would like CFPB to request from Navy Federal for evidence supporting the " reasonable cause '' for flagging my deposit as uncollectable, and I would like CFPB to determine if that determination was legitimate treatment of a US Treasury check.

I would like CFPB to evaluate whether Navy Federal should actually have classified my deposit as a " large transaction '' instead of as an " uncollectable transaction. '' I would like CFPB to evaluate my claim that Navy Federal should have provided me access to {$5500.00} of my deposit by the second business day.

I contacted NCUA regarding this matter, but NCUA referred me to CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: NC

Complaint narrative:
In accordance with the fair credit reporting act, under 15 U.S.C 1681s-602 it states I have the right to privacy and this creditor has violated my rights. 15 U.S.C s-604 ( a ) s-2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
CARES Act Covid 19 Bill S 3548 provides guidance to lenders to provide a guaranteed deferment to consumers for one year. The extension " Accommodations '' was not given to me during the Covid -19. During a Declared National Emergency I was discriminated against and my credit to be impaired. 
Regulations Reg B Billing Code : 48-AM-P Bureau of Consumer Financial Protection 12 CFR Part 1002 Equal Opportunity ( Regulation B ) ; Discrimination on the Bases of Sexual Orientation and Gender Identity The Bureau of Consumer Financial Protection ( Bureau ) is issuing this interpretive rule to clarify that, with respect to any aspect of a credit transaction, the prohibition against sex discrimination in the Equal Credit Opportunity Act ( ECOA ) and Regulation B, which implements ECOA, encompasses sexual orientation discrimination and gender identity discrimination, including discrimination based on actual or perceived nonconformity with sexbased or gender-based stereotypes and discrimination based on an applicants associations. 
Violations : CARES act, Reg B, Privacy, UDAAP, FDCPA, FCRA, Fair Lending Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: EQUIFAX, INC.
State: MD

Complaint narrative:
RECENTLY, I HAVE REVIEWED MY CONSUMER REPORT AND NOTICED THAT YOU ARE ALLEGING THE FOLLOWING ACCOUNTS ARE ( **CHARGED OFF/CLOSED ** ) WITHOUT HAVING FURNISHED ANY SUBSTANTIAL PROOFS OR EVIDENCES OF EQUIFAX CLAIM. ACCORDING TO FEDERAL LAW, IN ORDER FOR EQUIFAX TO REPORT THIS ACCOUNT EQUIFAX WOULD HAVE AHD TO VERIFY AND VALIDATE ALL ALLEGED DEBT. AS OF ( XXXX ) THE FOLLOWING ACCOUNTS HAVE NOT BEEN VALIDATED. AS A RESULT OF THIS THEY MUST IMMEDIATELY BE REMOVED FROM MY REPORT AS I DO CHALLENGE THEIR VALIDITY. PURSUANT 15 USC 1681B. 

Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 

Account Name : PA XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Date Opened : XX/XX/XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 

Account Name : XXXX XXXX  Account Number : XXXX XXXX Date Opened : XX/XX/XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 


Account Name : XXXX XXXX  Account Number : XXXX XXXX Date Opened : XXXX XXXX, XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 


Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 

PLEASE CONSIDER THIS LETTER AS AN INITIAL COMMUNICATION DEMANDING ANY EVIDENCE OF MY OBLIGATION TO ABOVEMENTIONED ACCOUNTS. AS A REMINDER, ANY ACCOUNT THAT EQUIFAX CONTINUE TO REPORT WITHOUT BEING ABLE TO VALIDATE IS A DIRECT VIOLATION OF MY RIGHTS LISTED THROUGH THE FDCPA AND FCRA BOTH TOGETHER AND SEPARATE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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: NJ

Complaint narrative:
I did not consent nor authorize the following inquiries being furnished on my consumer report. 
See attatched

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 2024-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL

Complaint narrative:
After reviewing my recent updates, I discovered that incorrect information still remains in my credit reports, despite having addressed it through written appeals. This lack of action on their part constitutes a violation of the Fair Credit Reporting Act, 15 U.S. Code 1681i, which stipulates that the continued reporting of unverified information without providing proof within the legally mandated timeframe is unauthorized. Below is the list of account that is still being reported on my Credit Reports. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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:
15 USC 1681e- Compliant procedures, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681i- A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( iii ) by not later than 15 days after receiving a request from the consumer description. I would like to have these following items removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-22 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: SC

Complaint narrative:
As a consumer, Transunion has violated my federally protected consumer rights under the Fair Credit Reporting Act. After multiple requests to delete negative accounts, Transunion continues to violate my consumer rights. I did not give Transunion my written permission or instructions to furnish the below negative accounts on my consumer report. I have requested documentary proofs giving only Transunion my written permission or instructions to furnish the below negative accounts on my consumer report, which Transunion never provided to me. According to the Fair Credit Reporting Act, 15 US Code 1681 states that I have a right to privacy and confidentiality. 15 US Code 1681 also states that a consumer reporting agency can not furnish an account without my written permission and instructions. 

XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please see attached...

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: NC

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-XXXX I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.

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