vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Control, LLC
State: NV

Complaint narrative:
I am writing to formally submit a complaint Against XXXX XXXX XXXX XXXX XXXX XXXX regarding their failure to verify a debt and their subsequent sale of the debt to Credit Control LLC Details of the complaint : On XX/XX/XXXX I sent a certified debt verification letter to XXXX XXXX  XXXX XXXX XXXX XXXX .

On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX saying they had initiated an inquiry with XXXX XXXX XXXX the current servicer of the debt being reported for {$230.00}. 
On XX/XX/XXXX, after filing a complaint with CFPB, I received the second response from XXXX XXXX XXXX on the account that included only a letter and some statements. 
On XXXX XXXX, XXXX I received a third letter from Credit Control LLC trying to collect on the same debt that XXXX has failed to properly verify since the initial dispute was sent more than 90 days ago In fact, only after filling a complaint on XXXX XX/XX/XXXX did I receive another response from XXXX XXXX XXXX XXXX XXXX compliance department in which he included some statements on the account. This failed the 30 day rule and also proper debt verification process ( by sending just statements on XX/XX/XXXX ) In addition to that XXXX XXXX XXXX failed to notify me of the debt sale within 5 days of their initial contact and my rights to dispute the debt back on or after XXXX XXXX when XXXX XXXX XXXX initially acquired the account as stated by XXXX from XXXX XXXX XXXX Issues : Failure to provide verification of the debt upon request, which is a requirement if the consumer disputes the debt Engaging in practices that are deceptive or misleading in the collection of the debt Reporting inaccurate information to credit bureaus if they can not verify the debt before reporting it Failing to provide information on the debt when requested Not notifying me of the debt sale/ assignments within 5 days and my rights to dispute the debt and also illegal debt sales ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and more recently Credit Control LLC ) I am requesting that CFPB investigate this matter and take appropriate action against XXXX XXXX XXXX for these violations Thank you for your attention to this matter. I look forward to your response

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 2024-10-22 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: FL

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 account listed without my expressed written consent.

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 2024-10-22 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: FL

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 account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXXXXXX XXXX XXXXXXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any inf
ormation relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: TX

Complaint narrative:
These accounts were opened without my knowledge or permission, and it's seriously affecting my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2024-10-22 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: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I was financially hurting due to hurricanes in my area of XXXX, XXXX, and applied to a payment extension due to these hardships on the XX/XX/XXXX of this year. I spoke extensively with a representative to help me in this regard. At the time, I was unaware of how to go about getting a payment extension, and I made sure the representee was aware of this. Essentially, the representative told me at three points of time, twice on XX/XX/XXXX, and once more on XX/XX/XXXX. that I just had to make a payment of XXXX for me to be placed in payment extension for 2 months. The rep also told me directly to take my account off of auto pay. They assured me my account would be fine, but when I checked back on XX/XX/XXXX, the company claimed not to honor my extension, because I did not mail in signed paperwork and my car was uninsured. But ( and I have evidence of the same ) I was not informed of any paperwork that I needed to sign and mail in, and my extension was still approved even though my car was uninsured previously. I spent the entirety of last month, as well as all of this month so far, speaking to reps from Ally banking, from customer service to representatives. But no matter who I speak to, they always say one thing, then do another. Promise a callback, then no response for two days, and other things of that nature. I need help resolving this case, because a representative of Ally Banking gave me incorrect instructions to fill out a request that I direly needed. I have tried speaking to the bank directly, and I have tried having the XXXX XXXX XXXX  intercede on my behalf, but no matter what action I take, the company continues to maintain that the fraudulent negligence of their employee in informing me about the payment " extension '' is valid grounds to have my account in default. I've been harassed dozens of times over the past few weeks with robo calls and agents that are uncooperative, and I'm not sure how to proceed. On XX/XX/XXXX, I was called three times, I called back, waited for an agent to assist me, then was hung up on. Overall, the companies only response is that, they admit they made a mistake, but have refrained from assisting in my account. This is harshly impacting me, and my family, and hurting us in a time of financial recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: TX

Complaint narrative:
There's an inquiry on my credit report that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report. It is stressing me and making me anxious on why and how this happened.

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 2024-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a text message claiming to be from XXXX, stating that my parcel delivery was incomplete. The message included a link that led me to a site where I was asked to provide my address and credit card details, which I entered, assuming it was for delivery purposes. 

On XX/XX/XXXX, I discovered four unauthorized transactions made in Michigan, although I am currently residing in XXXX, XXXX. When I reported this to my credit card company, they informed me that they require a complaint number in order to process the fraud claim. 

Payments made : Date XX/XX/year> - XXXX # XXXX XXXX XXXX XXXX  XXXX XX/XX/year> - XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> - XXXX XXXX XXXX After these transactions, i blocked the card and i reported it to my credit card company.

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 2024-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA
State: AL

Complaint narrative:
On XX/XX/year>, First National Bank of Omaha ( FNBO - BP ) sent me a letter thanking me for my expedited payment. However, the letter stated that my bank said the account information I submitted was invalid. I submitted this payment on the FNBO phone automated system. I was issued a confirmation number and money was taken from my bank account. 

On XX/XX/year>, First National Bank of Omaha ( FNBO BP ) sent me another letter stating that my bank returned my payment and marked the account as no account found. I was charged a {$25.00} 'payment dishonored ' by FNBO XXXX 

What I don't understand is : 1. If the account I entered was invalid, why did FNBO issue me a confirmation number?

2. How was FNBO able to take the money from my account and put it back into my account if the account was invalid. 

This same issue happened earlier this year. I may be completely wrong, but I believe that FNBO does not want me to pay on my account early or pay the minimum payment plus the interest on my account because they are not able to make any money on my account if I continue to do this. Basically, I am being penalized for paying early and paying the minimum payment plus interest.

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 2024-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
XXXX i want to chase bank location on XX/XX/XXXX, they let me proved me to open account and few week they decide to close my account without me why they closed my chase bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX at XXXX i had happened to open up my SoFi app and noticed that there were 3 balance transfers that were pending that were not being made by me. The transfers were being made to a XXXX XXXX in the amounts of {$12000.00}, {$2500.00}, and {$1400.00}. I called SoFi immediately to tell them not to do this transfer because it was not me. They assured me not to worry, that is was just pending and they had the recorded conversation saying that this was not me. As I was on the phone with them someone started charging up my checking account that again was not me. I called SoFi right back and explained that someone got into my checking account now and to freeze everything, which they didnt do. I did go to the police department and filed a report that same day. I also filed a claim with the government website for identity theft, I have called and emailed SoFi, and more. I am now begging for your help. I am a mom of XXXX children and have lost over {$17000.00} which was my life savings and SoFi is not willing to return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
XXXX XXXX refunded a Zelle transaction on XX/XX/2024 but the funds has not shown up on my account. The reference number for the Zelle transaction is XXXX. I've spoken with my bank, XXXX XXXX, and they informed me that as of today, there is no record of any pending refunded Zelle transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you, the credit reporting agency, block informationappearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of XXXX XXXX XXXXXXXX Acct # XXXX Date opened XX/XX/XXXX Balanced owed {$1.00} XXXX XXXX Acct # XXXX Date opened XX/XX/XXXX Balanced owed {$0.00} XXXX  Acct # XXXX Date Opened XX/XX/XXXX Balanced owed XXXX XXXX XXXX Acct XXXX XXXX Date opened XX/XX/XXXX Balanced owed {$650.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-10-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: NE

Complaint narrative:
XX/XX/year> I sent a letter requesting information on the debt in question. The company responded saying there was no contract or service agreement. I believe this lack of validation is a violation of 15 U.S. Code 1692g. I have attached my letter and their response letter.

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 2024-10-23 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: NC

Complaint narrative:
I recently checked by credit report and saw accounts reporting that I do not recognize

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