vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: MO

Complaint narrative:
The Following Financial Institution violated my privacy rights by disclosing my personal information without my consent including Social Security Number, Birthdate, Full Bank Account Numbers, Banking transaction history dating back to XXXX including all XXXX transactions which include direct deposit amounts from my employer. This information was disclosed to a 3rd party company ( XXXX XXXX ) who has in turn allowed other entities to also access their report without my consent. 

XXXX XXXX : Has also violated my privacy rights. By their own admission in their report, they allowed the report to be accessed ( inquiries ) 23 times in the last 36 months by other institutions who I have no financial obligations and certainly did not and would not allow these institutions access to my entire financial history and personal identifying information. 

This is a violation of my privacy rights under The Privacy Act of 1974 which states that I the consumer have the right to be protected against unwarranted invasion of privacy resulting from the collection, maintenance, use, and disclosure of personal information, as outlined in 5 USC 552a ( 13 ) ( b ), 15 USC 1681. 

I am a resident of Missouri and my rights have also been violated under the Missouri Right To Financial Privacy Act : 408.675 My financial records can only be accessed with my consent by a Governmental agency when then Government Authority seeking has given notice in writing. 

408.680 Financial institutions may not disclose, exception : 408.675 as outlined above.

408.682 Customer authorization required.

408.689 Transfer of records to additional agency allowed when 14-day notice is provided This transfer can only be allowed to further a legitimate law enforcement inquiry I did not consent to sharing my financial history or personal identifying information with any 3rd parties and am quite sickened to know that this has not only happened to me, but it appears to have been initiated by my financial institution ( XXXX XXXX ) whom I trusted. I also have an account with another Credit Union that I have been with for nearly 15 years who is not listed in this report and to my knowledge has never violated me in this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to formally request a reconsideration of your decision to close my Capital one account XXXX to a chargeback related to a bad check written to me by a third party, XXXX XXXX XXXX, in the amount of {$1500.00}. 

The check in question was received as payment for legitimate services I provided to XXXX XXXX XXXX on XX/XX/year>. Despite multiple attempts to secure proper payment, the restaurant issued a check on XX/XX/year>, postdated for XX/XX/year>. This check was deposited on XX/XX/year>, and returned for Non-Sufficient Funds ( NSF ) on XX/XX/year>. 

This situation has placed me in significant financial hardship, as the bank has withheld my funds totaling {$4200.00}, rendering me unable to meet essential living expenses for my family. This includes rent, utilities, and basic needs. Please note : I acted in good faith by accepting the check as payment. 
The insufficient funds issue was caused by the third party and not due to any action on my part. 
I have attempted to collect this payment from XXXX XXXX XXXX, but they have blocked communication and avoided resolution. 
I kindly request the following : That you release the withheld funds to allow me to meet my financial obligations. 
That you reconsider the permanent closure of my account, as I was a victim of a third partys fraudulent actions. 

I have attached supporting documents, including the demand letter sent to XXXX XXXX XXXX, copies of the bad check, and details of the hardship caused by this situation. 

I trust that Capital One values its customers and will consider this request with understanding and fairness. Please feel free to contact me directly at XXXX or XXXX should you require any additional information. 

Thank you for your prompt attention to this matter. I look forward to your favorable response. 

Sincerely, XXXX XXXX XXXX XXXX Copy of NSF Check Demand Letter to XXXX XXXX XXXX XXXX Account Documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: MD

Complaint narrative:
I am writing to formally dispute inaccurate and/or outdated information on my credit report. I believe these items are being reported in error, and I am requesting that they be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ) .I discovered these inaccuracies on my credit report dat. On XX/XX/year> I submitted a dispute through Experian online However, these items remain unresolved despite the evidence I provided.In accordance with the FCRA, I am requesting : 1. The immediate removal of the inaccurate items listed above. 
2. Written confirmation that these items have been removed or corrected.

3. A revised credit report reflecting these changes.

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 2025-01-10 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: OK

Complaint narrative:
I am writing to request an investigation into certain accounts on my credit report, as there appears to be a misunderstanding regarding their accuracy. These accounts were previously removed but have been reinstated without my knowledge. I did not receive any notification or correspondence about their reappearance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
My credit means a lot to me, and XXXX really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
Dear LVNV FUNDING LLC, This letter is being sent to you in response to a recent charge that was made on my credit report that I do not recognize.

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Im a victim of identity theft, and they still have not removed this bank that I have no knowledge of from off my 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 explanation
Consumer complaint received 2025-01-10 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: AR

Complaint narrative:
I am writing to formally dispute several credit inquiries listed on my credit report that were not authorized by me. The following inquiries do not reflect my activity, and I believe they are the result of identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BAM Management US Holdings Inc.
State: WI

Complaint narrative:
Hello, I've been trying to log into BAM XXXX XXXX XXXX XXXX ( DBA as binance.us ) for the past week with no success. I'm entering the correct username and password, but neither of them work. So I click on the " forgot password '' link and it says it will send me a password reset link, but it never does. I have tried this over a dozen times unsuccessfully. So then I go into the help menu, and go through a series of XXXX steps, and then after a certain point, I click on XXXX and it just opens up another tab that brings me right back to the very beginning, so I have to start over and then just keep repeating the steps endlessly. Other times thehelp menusays no help is available, but they will email me as soon as it is. But this never happens. I have also checked on XXXX and this seems to be a recurring problem with many, many people. It is quite obviously an intentional attempt to steal people 's crypto by making it impossible to login, especially as all XXXX crypto exchanges are doing this. I need assistance with this ASAP and very much appreciate your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX and this is not a third party filing this complaint.I am writing to express my concerns regarding the investigation practices of the three major credit bureaus : XXXX, TransUnion, and XXXX. Many consumers, including myself, have experienced significant difficulties when dealing with inaccuracies in our credit reports and the subsequent investigations launched by these bureaus. 

Despite the Fair Credit Reporting Act requiring that these agencies conduct fair and thorough investigations into disputes, the reality has often been different. There are numerous reports from consumers suggesting that the investigation process is neither thorough nor transparent. Many disputes receive cursory reviews, with inadequate attention given to supporting evidence provided by consumers. 

Additionally, the timelines for resolving disputes appear to be frequently extended, with little communication from the bureaus regarding the status of these investigations. This lack of transparency fosters distrust and raises questions about whether consumers ' rights are being adequately protected.The practices employed by these credit bureaus can have serious repercussions on consumers access to credit, employment opportunities, and overall financial health. As such, I urge the CFPB to investigate these practices and ensure that the rights of consumers are upheld. It is vital that these agencies adhere to regulations and provide consumers with the protection they deserve.

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 2025-01-10 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX and this is not a third party filing this complaint.I am writing to express my concerns regarding the investigation practices of the three major credit bureaus : XXXX, XXXX, and Equifax. Many consumers, including myself, have experienced significant difficulties when dealing with inaccuracies in our credit reports and the subsequent investigations launched by these bureaus. 

Despite the Fair Credit Reporting Act requiring that these agencies conduct fair and thorough investigations into disputes, the reality has often been different. There are numerous reports from consumers suggesting that the investigation process is neither thorough nor transparent. Many disputes receive cursory reviews, with inadequate attention given to supporting evidence provided by consumers. 

Additionally, the timelines for resolving disputes appear to be frequently extended, with little communication from the bureaus regarding the status of these investigations. This lack of transparency fosters distrust and raises questions about whether consumers ' rights are being adequately protected.The practices employed by these credit bureaus can have serious repercussions on consumers access to credit, employment opportunities, and overall financial health. As such, I urge the CFPB to investigate these practices and ensure that the rights of consumers are upheld. It is vital that these agencies adhere to regulations and provide consumers with the protection they deserve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: CA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-01-10 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:
Under 15 USC 1666 ( B ) and 15 USC 1637 a ( a ), it is explicitly stated that reporting a payment as late on an open-ended credit plan impermissible under any circumstances. Additionally, according to 15 USC 16819 ( B ), consent from the consumer is required before furnishing information on their behalf. To date, I have not granted such authorization to [ XXXX XXXX XXXX ]. 
Your failure to adhere to these regulations not only jeopardizes my financial standing but also undermines the integrity of my consumer report. This letter serves as a formal request to rectify the inaccuracies present in the following listings on my report : SEE ATTATCHED BELOW

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-01-10 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: PA

Complaint narrative:
I am seeking an investigation into specific accounts on my credit report due to potential inaccuracies. These accounts were deleted earlier but have resurfaced without my awareness. I was neither informed of their return nor received any mail concerning 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 2025-01-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: OK

Complaint narrative:
My Mortgage company is negligent with my escrow account. They failed to make timely or any.payments at all on my behalf for property taxes.

I was notified by my county assessor of default and non payment. I have had to pay these taxes of XXXX Freedom Mortgage refuses on all levels. 

To : .release my escrow account and allow me to handle it due to their negligence To : Refund me immediately money owed to me. 

To : stop overcharging me fraudulently To stop raising my payments.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I have contacted XXXX XXXX  on multiple occasions via phone throughout XXXX and XXXX of XXXX. I was instructed to email my dispute complaint to them on XX/XX/XXXX. I did so on XX/XX/XXXX and never received a response. 


-Periodic Statement Requirement In accordance with XXXX the creditor was required to send me periodic billing statements at for each billing cycle. The lender failed to do so as I never properly received account statements. Upon checking the statement history it has been confirmed that despite providing the company with my correct address they failed to include XXXX XXXX within the address line and as a result the mailed statements from XXXX XXXX XX/XX/XXXX to the incorrect/incomplete address as my unit number XXXX wasnt included in the mailing address ( see attached documents ). 

-Missing Payment History The account was charged off in XX/XX/XXXX. The Payment history status for XXXX does not accurately report this charge off status for the month of XX/XX/XXXX. 

-Inaccurate Foreclosure History On XX/XX/XXXX the companys representative XXXX XXXX that the account was successfully foreclosed as of XX/XX/XXXX, my credit history also reflects this FS status for XX/XX/XXXX. This is inaccurate as the companys attorney requested the claim be dismissed on XX/XX/XXXX ( see attachment ). 

-Inaccurate Current Balance I have been told the {$440.00} balance reflecting on credit reporting is foreclosure fees. However, the foreclosure proceedings were dismissed without prejudice due to the balance already being charged off. These {$440.00} of foreclosure charges also arent viable as I never received periodic statements properly to warrant any late payment. The charge off amount provided by the company was also to include all and any outstanding charges and fees.

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