vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-31 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: GA

Complaint narrative:
Transunion, XXXX, and XXXX are inaccurately reporting the account XXXX XXXX. The account has several inconsistencies that means this account could not have been verified or validated because it can not have different information for one account. 

High Balance : {$360.00} {$0.00} {$160.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX Creditor Type : Bank Credit Cards Credit Card - Finance Company National Credit Card Companies Creditor Remarks Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity. 
Unpaid balance reported as a loss by the credit grantor Charged o '' account Accounts closed by credit grantor Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Credit Limit {$200.00} {$200.00} {$0.00} Furthermore any account charged off with a balance belongs to the consumer so this account can not report as a collection/charge off because anything over {$1.00} should be refunded to me. 

XXXX Treatment of credit balances ; account termination. 
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: MECHANICS BANK
State: CA

Complaint narrative:
XX/XX/2024 someone stole my wallet used my information & funds to rent a car.. mechanics bank wont give me close to {$2000.00} back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
THIS FRAUD NAVY ACCOUNT WAS OPENED WITHOUT MY KNOWLEDGE AND SHALL DELETE FROM MY CREDIT REPORT BY LAW. 

I CONTACTED NAVY FEDERAL CREDIT UNION XXXXEVERAL TIMES AND LET THEM KNOW THIS IS A FRAUD ACCOUNT. 

THE CREDITOR AGREED TO DELETE THIS INACCURATE FRAUD CREDIT CARD ACCOUNT FROM MY CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I requested Experian update my credit report information regarding obsolete information such as old addresses ; however, they have not removed the obsolete addresses pertaining to my information. I have had identity fraud and requested this to be updated. They have not completed this request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
Paypal upon me informing them that out of XXXX orders from XXXX XXXX never made in to the US. Instead of helping me with these sellers they told me to get help elsewhere which is a breach of contract. But worse than that they have locked me out of my account history and sold the Paypal Credit account to synchrony Bank in the middle of the dispute. This was in I think XXXX now the Bank has this on my credit report and there is no account to access at the Bank the only way is thru paypal. The bank is claiming that in XX/XX/XXXX thru XX/XX/XXXX I made payments on this account of XXXX every month I never made a payment after Paypal refused to help me and breached the contract. I wish to be refunded for these payments as they were illegally taken from my Bank Account I have no access to this as Paypal has me locked out of my account history. The Bank They were taken from I no longer bank with but there getting the information it will just take a while as it is in storage the records. Paypal will know if they took money on these disputed accounts and the date I stopped using Paypal credit. I need this information if they wont then I need this stuff taken off my credit as of now they should not have it on my credit report. 7 years has passed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
I requested XXXX update my credit report information regarding obsolete information such as old addresses ; however, they have not removed the obsolete addresses pertaining to my information. I have had identity fraud and requested this to be updated. They have not completed this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX XXXX regarding inaccurate information listed on my consumer report. Specifically, the account in question, XXXX, has been inaccurately labeled as a charge-off/collection, which adversely affects my creditworthiness. 

The aforementioned account pertains to a vehicle loan that was rendered null and void due to a natural disaster resulting in the total destruction of the vehicle. It is imperative to note that at the time of the incident, the vehicle was fully covered by insurance provided by XXXX XXXX. Following standard procedure, XXXX XXXX deemed the vehicle a total loss and duly compensated for the damages. 

Contrary to the inaccurate designation of the account as a charge-off/collection, the account was not in collections. Rather, it was terminated due to unavoidable circumstances beyond my control. Thus, the reporting of this account as a charge-off/collection is a blatant misrepresentation of the facts and violates the provisions outlined in 15 U.S. Code 1681b regarding the accuracy of consumer reports. 

Furthermore, XXXX XXXX XXXX XXXX 's actions contravene the regulations set forth in 15 U.S. Code 1681s2 regarding the responsibilities of furnishers of information to consumer reporting agencies. Specifically, XXXX XXXX XXXX XXXX is in violation of 1681s2 ( 1 ) ( A ) by furnishing information to consumer reporting agencies with actual knowledge of errors and also in violation of 1681s2 ( 1 ) ( B ) by continuing to report inaccurate information even after being notified of its inaccuracy. 

As per the aforementioned sections, I am entitled to have inaccurate information promptly removed from my consumer report. Therefore, I demand that XXXX XXXX XXXX XXXX cease reporting the inaccurately labeled account and take immediate steps to rectify the erroneous entry on my consumer report. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action to ensure that XXXX XXXX XXXX XXXX complies with the pertinent regulations governing consumer reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX XXXX regarding inaccurate information listed on my consumer report. Specifically, the account in question, XXXX, has been inaccurately labeled as a charge-off/collection, which adversely affects my creditworthiness. 

The aforementioned account pertains to a vehicle loan that was rendered null and void due to a natural disaster resulting in the total destruction of the vehicle. It is imperative to note that at the time of the incident, the vehicle was fully covered by insurance provided by XXXX XXXX. Following standard procedure, XXXX XXXX deemed the vehicle a total loss and duly compensated for the damages. 

Contrary to the inaccurate designation of the account as a charge-off/collection, the account was not in collections. Rather, it was terminated due to unavoidable circumstances beyond my control. Thus, the reporting of this account as a charge-off/collection is a blatant misrepresentation of the facts and violates the provisions outlined in 15 U.S. Code 1681b regarding the accuracy of consumer reports. 

Furthermore, XXXX XXXX XXXX XXXX 's actions contravene the regulations set forth in 15 U.S. Code 1681s2 regarding the responsibilities of furnishers of information to consumer reporting agencies. Specifically, XXXX XXXX XXXX XXXX is in violation of 1681s2 ( 1 ) ( A ) by furnishing information to consumer reporting agencies with actual knowledge of errors and also in violation of 1681s2 ( 1 ) ( B ) by continuing to report inaccurate information even after being notified of its inaccuracy.

As per the aforementioned sections, I am entitled to have inaccurate information promptly removed from my consumer report. Therefore, I demand that XXXX XXXX XXXX XXXX cease reporting the inaccurately labeled account and take immediate steps to rectify the erroneous entry on my consumer report. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action to ensure that XXXX XXXX XXXX XXXX complies with the pertinent regulations governing consumer reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: PA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX XXXX regarding inaccurate information listed on my consumer report. Specifically, the account in question, XXXX, has been inaccurately labeled as a charge-off/collection, which adversely affects my creditworthiness. 

The aforementioned account pertains to a vehicle loan that was rendered null and void due to a natural disaster resulting in the total destruction of the vehicle. It is imperative to note that at the time of the incident, the vehicle was fully covered by insurance provided by XXXX XXXX. Following standard procedure, XXXX XXXX deemed the vehicle a total loss and duly compensated for the damages. 

Contrary to the inaccurate designation of the account as a charge-off/collection, the account was not in collections. Rather, it was terminated due to unavoidable circumstances beyond my control. Thus, the reporting of this account as a charge-off/collection is a blatant misrepresentation of the facts and violates the provisions outlined in 15 U.S. Code 1681b regarding the accuracy of consumer reports. 

Furthermore, XXXX XXXX XXXX XXXX 's actions contravene the regulations set forth in 15 U.S. Code 1681s2 regarding the responsibilities of furnishers of information to consumer reporting agencies. Specifically, XXXX XXXX XXXX XXXX is in violation of 1681s2 ( 1 ) ( A ) by furnishing information to consumer reporting agencies with actual knowledge of errors and also in violation of 1681s2 ( 1 ) ( B ) by continuing to report inaccurate information even after being notified of its inaccuracy. 

As per the aforementioned sections, I am entitled to have inaccurate information promptly removed from my consumer report. Therefore, I demand that XXXX XXXX XXXX XXXX cease reporting the inaccurately labeled account and take immediate steps to rectify the erroneous entry on my consumer report. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action to ensure that XXXX XXXX XXXX XXXX complies with the pertinent regulations governing consumer reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was on XXXX and made a mistake due to ad confusion! I did not want to apply for a credit card at the moment, however while trying to cancel it they still reported it on my credit! I need this removed, terminated or ceased. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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:
According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable and have my full consent to report. Based 15 USC 6802 I was not given proper information on how to opt out per section 1 ( b ) and ( c ). Therefore, I have already contacted the companies to opt out of any current, prior or future reporting. I am now informing your Company that any unauthorized continued reporting will result in legal action. As the accounts which are listed in this letter are my personal information and you DO NOT HAVE MY PERMISSION to report any of it. Furthering reporting by your unaffiliated third party company will be a violation and cause a civil and criminal suit. Please remove the items listed in this letter effective immediately. 
The only verified proof that will be accepted in this process will be proof of the proper notifications through a verifiable source of my rights to opt-out of reporting and instructions on how to do so, with a record of receipt showing it was mailed, delivered and received. These are hereby my formal written instructions on what is acceptable as proof and actions to take. No other validation will be accepted. 
Since your company has taken upon itself to act as my entrusted fiduciary. I have provided you with the instructions to act on my behalf as to what serves my best interest. Failure to do so will result in a federal suit to the fullest extent including compensation based on the FRA section 29. 
Here are the inaccuracies I have identified : Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Reason : Do Not consent to this private personal information to be reported. I am opting out of this account being reported prior, present or future. To continue to report after receiving this is in violation of 15 USC 6802 and I do not consent.

Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 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: NC

Complaint narrative:
According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable and have my full consent to report. Based 15 USC 6802 I was not given proper information on how to opt out per section 1 ( b ) and ( c ). Therefore, I have already contacted the companies to opt out of any current, prior or future reporting. I am now informing your Company that any unauthorized continued reporting will result in legal action. As the accounts which are listed in this letter are my personal information and you DO NOT HAVE MY PERMISSION to report any of it. Furthering reporting by your unaffiliated third party company will be a violation and cause a civil and criminal suit. Please remove the items listed in this letter effective immediately. 
The only verified proof that will be accepted in this process will be proof of the proper notifications through a verifiable source of my rights to opt-out of reporting and instructions on how to do so, with a record of receipt showing it was mailed, delivered and received. These are hereby my formal written instructions on what is acceptable as proof and actions to take. No other validation will be accepted. 
Since your company has taken upon itself to act as my entrusted fiduciary. I have provided you with the instructions to act on my behalf as to what serves my best interest. Failure to do so will result in a federal suit to the fullest extent including compensation based on the FRA section 29.

Here are the inaccuracies I have identified : Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Reason : Do Not consent to this private personal information to be reported. I am opting out of this account being reported prior, present or future. To continue to report after receiving this is in violation of 15 USC 6802 and I do not consent.

Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: GA

Complaint narrative:
I am writing to express my profound dismay and seek clarification regarding the sudden closure of my Discover credit card account, ending in XXXX. Since becoming a Discover cardholder in XX/XX/XXXX, I have diligently maintained my account, showcasing loyalty and consistent usage over the past six years. My credit line, which had been meticulously built up to {$10000.00}, reflects my responsible financial behavior and trust in your services. 

On XX/XX/XXXX, I was surprised to receive an email regarding an internal investigation, requiring my consent to submit a 4506-C form to the IRS for identity verification and tax information review . The nature of this investigation was unclear to me, as I have always adhered to the terms of service and have not engaged in any activity that would warrant such scrutiny. 

Following this, I received a call from your customer service center, informing me that the investigation had proceeded but without offering any further details. Despite my confusion and concern, I complied with the request and provided my consent for the investigation, trusting in XXXX 's process and integrity. 

However, on XX/XX/XXXX, I was shocked to find my credit card deactivated without any prior warning. This was followed by emails confirming the closure of my account. The absence of communication and explanation from Discover regarding this significant action has left me both troubled and disappointed. The decision to deactivate and close my account, especially without clear communication, undermines the trust and reliability I have placed in Discover over the years. 

I respectfully request a thorough explanation for the closure of my account, including the specific reasons behind the internal investigation and the subsequent decision to close my account. Additionally, I would appreciate guidance on the steps that can be taken to address this matter promptly and fairly. 

Your attention to this issue is not only crucial for resolving my current predicament but is also essential for maintaining the trust and confidence of your customers in your processes and decisions. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: EQUIFAX, INC.
State: FL

Complaint narrative:
15 U.S. Code 1681c-7, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than 4 business days after the date reception. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S.Code 1681b- Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the WRITTEN INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!

Company response to consumer: Closed with explanation