vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This debt reporting inaccurate misinformation, and validation forwhich I do not recognize it stated it's been sold charged off, and the third party isn't listed neither is the a complete history of payments or any such items date of last activity isn't being reported which makes this account INACCURATE REPORTING the date account was closed isn't being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: TX

Complaint narrative:
Despite being impacted by hurricane beryl maybe Federal didn't even try or consider the impact when I made a request to have an overdraft fee refunded. Under most circumstances I can understand this but due to not having power for about a week and needing all the funds I can for gas and food every little bit would help. 

They didn't offer to do any additional steps or measures and just said they the decision was final.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-13 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: TN

Complaint narrative:
I've asked XXXX to provide me evidence of the supporting documents they are reporting incorrectly to 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 2024-07-13 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I had an account with Rooms To Go through Synchrony Bank for about a year, maybe longer. Without any prior notice, they first lowered my credit limit and then closed my account entirely. When I demanded an explanation, they provided inaccurate information. I asked for more details about their decision, but they claimed they didn't have to elaborate. The reasons they gave were false, and the information they provided didn't add up.

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 2024-07-13 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: VA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life and my credit health.

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 2024-07-13 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: VA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life and my credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: BANKUNITED, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am writing to formally report fraudulent activity concerning an escrow account managed by Bank United, for which I am the mortgage broker. The title company associated with this transaction is refusing to release my funds via wire transfer, despite repeated requests, and appears to be intentionally delaying the process. This has caused significant financial hardship for my company, impacting our ability to meet payroll and other necessary expenses.

I have already alerted the appropriate federal authorities and the underwriter involved in this transaction to this issue. Given the severity of the situation and lack of response from Bank United, I urge the CFPB to initiate a thorough investigation into the management of this escrow account, specifically examining potential violations of : State Escrow Laws Unfair and Deceptive Practices Fiduciary Duty Good Faith and Fair Dealing I previously spoke with a representative from the Bank United XXXX XXXX who acknowledged the issue but failed to take any action. Additionally, XXXX XXXX XXXX, EVP, Managing Director of Retail & Business Banking at Bank United, was made aware of the situation but has not facilitated the release of my funds. 

I trust that the CFPB will take swift and decisive action to address this matter, ensure the proper handling of these funds, and hold Bank United accountable for any wrongdoing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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: NV

Complaint narrative:
Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. XXXX XXXX XXXX Partial Acct # 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 2024-07-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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: FL

Complaint narrative:
Date : XX/XX/year> To whom it may concern, I am writing to request an investigation of the following information on my credit report : The charge-off of an obligation with XXXXXXXX XXXX XXXX XXXXXXXX XXXX is not mine ; I am not responsible of this account, The charge-off of an obligation with XXXX XXXX XXXX, is not mine ; I am not responsible of this account, The charge-off of an obligation with XXXX XXXX XXXX  is not mine ; I am not responsible of this account, I am a victim of ID theft. People have use my information to open them and also make fraudulent activities. 


To further support my claim, I have attached documentation including : the police report from the identity theft complaint, Also my Driver license to verify identity Please let me know if any additional information is necessary to remove the charge-off from your records. I appreciate your assistance. 



Sincerely, 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 2024-07-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
I signed up with XXXX XXXX  with monthly payments, they didn't tell me that it would be paid to a collection agency that would be reporting on my credit as a collection.. I tried to cancel but they wont let me cancel. They also added an extra {$500.00} onto my account and I cant use any services. They said that the services would be discounted but it better to go thru online or XXXX.. I really want to cancel because I'm giving them free money for nothing and also them removed from my credit report. Thank you so much. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Monterey Collections SV - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Social Security Number : XXXX XXXX, On XX/XX/year> I disputed an account reported by Monterey Financial in the file you maintain under my Social Security number. 
I was informed on XX/XX/year> that the item was deleted from my credit report. 
Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 
I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX 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 2024-07-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to report unauthorized credit inquiries on my report that i do not recognize. I have previously requested the credit bureaus to remove these inquiries, but they fail to do so. I am now providing an identity theft report ( will be attached to this complaint ). I kindly request that these inquiries be removed from my credit report as soon as possible for these inquiries are not mine and are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
XXXX XXXX NATIONAL CREDIT SYSTEMS INC Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$2700.00} Amount {$2700.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code JOINT_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification RENTAL_OR_LEASING Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES REINVESTIGATION IN PROGRESS Contact NATIONAL CREDIT SYSTEMS INC XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX ( XXXX ) XXXX The debt owed to XXXXXXXX XXXX XXXXXXXX was mistakenly attributed to me due to a mix-up with another XXXX XXXX in XXXX XXXX XXXX Our similar names, close social security numbers, and birthdays caused confusion. I applied to live at XXXX in XXXX or XXXX and believe they mistakenly associated my information with hers. I have screenshots of messages from the other XXXX XXXX confirming the debt is hers, and her address is near mine. I reported this to my local police department and have a case number. Despite emailing National Credit Systems Inc. 's disputes department, I have not received a response. This debt is not mine, but rather belongs to the other XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Our Costco credit card was closed by Citbank Visa due to 4 payments that bounced. The 4 payment were NOT made by us, and were made fraudulently. We discovered this in the spring of this year, and noted that these 4 payments came from banks that we did nor recognized ( and we held no accounts there ). We explained this multiple times, always pointing out that our routine scheduled payments on the card came from OUR account using AUTO-PAY, and that these 4 fradulent payments were from DIFFERENT accounts. We have never missed a payment or bounced a payments because we use Auto-Pay.

Citibank simply refused to re-open the account despite no wrongdoing on our part. We have explained the situation in many letters and phone calls. As a result of Citi-banks closure of our card, our credit rating fell substantially. Additionally, we lost accrued points which have monetary value > {$400.00}. Finally, we may have been assessed fees for the fradulent deposits, and are uncertain as to those amounts. 

We tried to contact Citbank multiple times ( letters dated XX/XX/year>, XX/XX/year> and XX/XX/year> ), and also spoke to supervisors who understood the case, and yet the decision appears to be made by an entirely separate group of people that you can not speak to, and this is greatly frustrating. Each supervisor who looked at our account said that he/she understood, and would document our findings, which were valid. However, when they submitted on our behalf, we continued to be refused ( with no valid explanation as to what we, as customers, have done wrong ). 

We can not understand why someone would make fradulent payments to our account. But nevertheless, this happened, and it has led to a lot of hardship and stress on us. Thanks for contacting Citibank on our behalf to see if SOMEONE can actually review our case, and explain to us why our account remains closed. ( Why are we being held responsible for what was fradulent activity ).

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 2024-07-13 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: GA

Complaint narrative:
XXXX XXXX XXXX has been made aware that Equifax is reporting my account as being two months past due when my account is current. I would like them to update my Equifax account to show that it is current. The amount owed, payment and being past due are all wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: PNC Bank N.A.
State: DC

Complaint narrative:
On the XXXX of XX/XX/year>, I had called the PNC customer service XXXX on the back of my debt card and asked why is my personal checking account overdrawn - {$120.00}. When I explained to the PNC Representative over the phone on XX/XX/year> I was told that my account was overdrawn because XXXX got their money XX/XX/year>. When I had noticed previously on XX/XX/year> that my account was basically at XXXX. The way the representative explained it was the fact that PNC sometimes have trouble with the merchant also known as XXXX and sometimes the merchant would not accept the funds and the funds go back into the customer 's bank account according representative at PNC over the phone told me on XX/XX/year>, and then the merchant might try to get more money out at another date. What I do not understand is this, how do PNC claim that I did not have the necessary amount of money in my account at which PNC but still got my order from XXXX. Then if I did not have the proper amount in my account then how did my XXXX order go thru when the bank card is debt and when its a debt card you can only use the funds that are available. 
I do not think its the customers fault when PNC should have known a ) my debt card is meant for the purchases I can make only using my debt card with amount of money in my account b ) again how do I overdraw over {$100.00} when prior I could not even overdraw XXXX or XXXX and the transactions would be declined. After speaking with the representative over the phone the representative states that it's on me to pay back the negative balance Again, if I did not have the money to order the XXXX why was my purchase not declined. Even the representative stated that even with the XXXX order that my account should have been two to three dollars left into my account so how is I am overdrawn with {$120.00} at PNC Bank?

Company response to consumer: Closed with explanation