vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Urgent Request for Assistance with Unauthorized Charges and Dispute Resolution Dear CFPB Team, I am writing to urgently request your assistance in resolving an issue with unauthorized charges on my Navy Federal Credit Union XXXX NFCU ) account. Despite my efforts to resolve this matter directly with NFCU and the involved parties, the situation remains unresolved and has left my account in a negative balance. 

XXXX XXXX XXXX  Details of the Issue : XXXX. **Unauthorized Charges : XXXX - On [ specific dates ], several unauthorized ACH charges totaling {$960.00} were made to my NFCU account by XXXX XXXX 
- I promptly filed a claim with NFCU, who initially provided a temporary credit for the disputed amount. 

XXXX. **Claim Denial : ** - NFCU has since denied my claim, stating that XXXX XXXX XXXX authorized the charges. 
- As a result of this denial, the temporary credit was reversed, and my account is now negative by {$960.00}. 

XXXX. **Attempts to Resolve : ** - I have contacted both NFCU and XXXX XXXX XXXX to seek clarification and resolution. However, I have not received a satisfactory explanation or resolution from either party. 

XXXX XXXX XXXX Impact : - The reversal of the credit has severely impacted my financial situation, leaving my account in a negative balance. 
- Despite my efforts to resolve this matter, I have been unable to obtain clear information or appropriate action from NFCU or XXXX XXXX Bank. 

XXXX XXXX XXXX Request for CFPB Assistance : Given the severity of the situation and its impact on my financial stability, I am urgently requesting the CFPBs intervention to : XXXX. Investigate the unauthorized charges and the basis for their authorization by XXXX XXXX XXXX 
XXXX. Ensure that NFCU and XXXX XXXX XXXX  provide clear and accurate information regarding these charges. 
XXXX. Facilitate a resolution that corrects the negative balance in my NFCU account and addresses any improper handling of my dispute claim. 

XXXX XXXX XXXX Supporting Documentation : I have attached copies of my account statements showing the unauthorized charges, correspondence with NFCU, and any other relevant documentation. 

I was also a victim of identity theft early this year and have attached the police that was made I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue urgently. 

Thank you for your time and help. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: NJ

Complaint narrative:
I am writing to follow up on my previous communications regarding the inaccuracies on my credit file. Despite multiple attempts to address these issues, I have yet to receive a satisfactory resolution.

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 2024-08-01 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: OK

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: NJ

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 XXXX out of XXXX 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.

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 2024-08-01 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: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year> I tried to withdraw bitcoin from my cash app account registered under the email XXXX. The withdraw did not go through and I was subsequently notified that my account was XXXX until I verified my identity. 

I provided everything they asked for. I linked my bank account through Plaid, I shared my phone contacts with their app, and lastly I scanned the front and back of my debit card after they prompted me to do so. 

After scanning my debit card cash app notified me that I apparently violated terms of service and my account was being banned. Now I still have over {$900.00} worth of bitcoin stuck in my account and I am unable to withdraw it because their verification system is broken. 

I went in their live chat on numerous occasions and asked how do I get my money out of my account and they just tell me they can't help. I clearly explained to them the verification is not working and stuck in a loop. I click the button to scan debit card and it just refreshes over and over. Despite numerous attempts to explain my problem they just give me the same response every time saying they can't help. 

Cash app has now stolen {$900.00} from me even after I did everything they asked for. I'm hoping this complaint will make them do the right thing and give me my money back. If this fails I will be forced to take legal action against cash app for stealing {$900.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: Early Warning Services, LLC
State: FL

Complaint narrative:
Name : XXXX XXXX XXXX ID : XXXX Date of XXXX SSN : XXXX Type : Driver 's License ID Number : XXXX : XXXX XXXX XXXX XXXX fl XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX  XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # XXXX Bank : XXXX  XXXX XXXX XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : CAPITAL XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB
State: WA

Complaint narrative:
I purchased a portable air conditioner from XXXX on XX/XX/year>, and paid in full. Later, the next year, I received a call from debt collectors regarding a {$550.00} debt for an air conditioner from Wayfair, which I never ordered. I contacted Wayfair and was informed that the account used for the order was set up for fraud. Despite assurances from Wayfair, the credit history was negatively affected by the debt collection. 
The fraudulent purchase on Wayfair was made using a payment plan through XXXX, but when I confirmed with XXXX that they do not have an account with them. Upon requesting details from Wayfair, XXXX, and the debt collectors about the Social Security Number used for the loan and the tracking information for the delivery I got no response. 
The fraudulent order on Wayfair was created on the same day they ordered from XXXX. The Wayfair invoice display the name " XXXX XXXX '' but has my shipping name and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: Experian Information Solutions Inc.
State: GA

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 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 2024-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FULTON FINANCIAL CORPORATION
State: MD

Complaint narrative:
I applied for a loan from a lending company who asked for my checking account information then later accessed my checking account.

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 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
On the XXXX of XXXX, XXXX, I was notified by XXXX of a decline in my credit score. Upon reviewing my account, I discovered that Navient had marked my loan as 60 days overdue. I promptly contacted Navient to rectify this error, as I am no longer legally bound to repay this debt due to the protections afforded to me by the Consent Judgment issued by the state of New Jersey. Despite my explanation, Navients representatives incorrectly insisted that I was mistaken and continued to insist on repayment. 

Throughout our conversation, Navients representatives made false and misleading assertions, claiming that I was ineligible for debt relief because the loan did not meet the necessary criteria, including a lack of seven consecutive missed payments. These claims were not only untrue but also intentionally deceptive. 

According to the Final Consent Judgment, Navient committed to canceling certain private student loans, provided they met one of three specified criteria. My loan falls under Category 3, the Non-Traditional criterion, which includes loans disbursed to borrowers with a FICO score below XXXX at the time of origination for attendance at a public or private non-profit educational institution. 

At the time of my loans origination by Navient, my FICO score was indeed below XXXX, and I was enrolled in a public educational institution, thus qualifying for forgiveness. 
Moreover, Navients official disclosures state that loans are written off after 120 days of delinquency. Contrary to this policy, my credit report indicates that my loan was delinquent for seven months without being charged off. This discrepancy not only demonstrates a failure to adhere to their stated policies but also constitutes a significant misrepresentation in their financial statements regarding their charge-off timeline. 

The combination of Navients falsehoods, misleading statements, and unwarranted demands for payment constitutes a blatant breach of the Final Consent Judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
Dear Credit Collection Services, I am writing to formally dispute the debt you are reporting in connection with my credit file. I request that you validate this debt in compliance with the Fair Debt Collection Practices Act ( FDCPA ). 

Additionally, I hereby invoke my rights under the FDCPA and demand that you cease and desist from all further communications with me. Please be advised that the term " communications '' extends beyond phone calls and emailsit also includes any reporting to credit bureaus. If you continue to report this debt to my consumer report after honoring my cease and desist request, it will constitute harassment and abuse under 15 U.S.C. 1692d. 

**Notice of Intent to Litigate : ** If this matter is not resolved promptly and to my satisfaction, I am prepared to pursue litigation. Please be aware that the costs associated with litigation may include : - Attorney fees : $ XXXX - Court costs : $ XXXX - Potential statutory and punitive damages : $ XXXX - Other associated expenses : $ XXXX These costs could potentially exceed {$10000.00}, for which Credit Collection Services may be held liable.

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 2024-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Called XXXX XXXX XXXX because I don't recognize this account/ neither do they, but it's reporting on my credit file please delete IMMEDIATELY,

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 2024-08-01 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Called total visa company because I don't recognize this account/ neither do they, but it's reporting on my credit file please delete IMMEDIATELY,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2024-08-01 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: Experian Information Solutions 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 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 2024-08-01 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: FL

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you XXXX opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX  website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.

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 2024-08-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you XXXX opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.

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