vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Subject : Lack of Disclosure under 15 USC 6802 and GLBA - Request to Opt Out Navy Federal Credit Union I am writing to address a critical matter regarding the disclosure of my personal information to third parties, as required by 15 USC 6802 and the Gramm-Leach-Bliley Act ( GLBA ). I recently discovered that Navy Federal Credit Union failed to provide me with the necessary disclosure under these regulations, which grants me the right to opt out of having my information reported to third parties. 
Under the provisions outlined in 15 USC 6802 and the GLBA, consumers are entitled to receive clear and conspicuous notice about their ability to restrict the sharing of their personal information for marketing purposes. Consumers must also be provided with a reasonable opportunity to opt out of such sharing. 

Unfortunately, I was not properly informed of this opt-out option or provided any means to exercise my right to restrict the reporting of my personal information to third parties. This omission not only violates my rights under federal law but also erodes the trust I have placed in your corporation to handle my personal information with care and diligence. 

I hereby request that you rectify this situation promptly by providing me with the required disclosure as mandated by 15 USC 6802 and the GLBA. Furthermore, I exercise my right to opt out of any future sharing of my personal information with third parties for marketing purposes. It is crucial that my information is not disclosed or shared with external entities without obtaining my explicit consent. 

I understand that specific procedures or forms may need to be completed to effectively opt out. Kindly furnish me with detailed instructions and any relevant documents to ensure a smooth and expedient process. 

I trust that your corporation acknowledges the seriousness of this matter and will take immediate action to ensure compliance with the applicable laws and regulations. I appreciate your prompt attention to this issue and anticipate a timely resolution that upholds my rights as a consumer. 

Please acknowledge receipt of this letter within [ number of days, typically 10-14 days ] and provide a written confirmation of the steps taken to address my concerns. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution and to maintaining a positive customer experience with your corporation. 

Sincerely, [ Your Name ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
These companies are in violation of several CFPB laws and FDCPA laws that I have fully explained in the attachments of this letter. CREDIT ACCEPTANCE CORP has failed to present a contract to me. I have asked them repeatedly for the agreement that was set in place for this security interest with the vehicle involved. 

Please note that I have also certified mail sent these letters to all parties mentioned in the letter with return receipt and required signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
HELLO MY IS XXXX XXXX XXXX XXXX AND I AM MAKING THIS COMPLAINT BECAUSE I HAVE TRIED MULTIPLE TIMES TO DELETE THIS INFORMATION FROM THIS ACCOUNT FROM MY CREDIT INFORMATION, SINCE I WAS NOT THE ONE WHO APPLIED FOR THIS ACCOUNT, MY PERSONAL INFORMATION, FOR EXAMPLE THE ID AND SOCIAL SECURITY WERE STOLEN, THEY WERE USED TO OPEN MULTIPLE ACCOUNTS FRAUDULENTLY, ONE OF THE BANKS AFFECTED WAS THE CARD ( VYSTAR CREDIT UNION ) WHICH CURRENTLY HAS A BALANCE OF {$2200.00} THAT WAS OPENED AS FRAUD, I AM CURRENTLY A USER AUTHORIZED BUT I DON'T NEVER AUTHORIZE BEING AN AUTHORIZED USER I DEMAND TO DELETE THAT ACCOUNT FROM MY CREDIT REPORT, I MADE AN IDENTITY REPORT ADDING THIS ACCOUNT TO THE IDENTITY THEFT REPORT SO IT CAN BE REMOVED FROM MY CREDIT REPORT THANKS

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 2023-07-12 00:00:00
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
Title max I have a title pawn with Title Max, in XXXX XXXX XXXX XXXX XXXX currently that I took out in XXXX of 2021. I went in on Friday XX/XX/XXXX to ask for a print out of every payment I had made to them. They could not provide me with said printout. By my calculations as of this month I have paid in XXXX per month ( sometimes more if I was late on the payment ) for a total of XXXX I tried reaching out to local news outlet, even an attorney and was unsuccessful in getting someone to help. Some months it has been a matter of keeping my car or eating. This title pawn was taking out during Covid when I had lost my job. I told them on XXXX  I simply wanted my title back because I have paid in more than 3 times my original loan amount which was XXXX. The mans name that is the XXXX  XXXX there is XXXX. He was very nasty to me when I went in there on that Friday. I know it is probably a shot in the dark reaching out, But I thought I would give it a try since they have recently been sued for misleading clients. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, 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: SC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.

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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
In XX/XX/2023 I was reported by my mortgage as being 30 days late on my monthly. Payment which incorrect. I contacted the the company and reported this inaccuracy and was unsuccessful in this being corrected. I've been paying on this mortgage for XXXX months never late that in itself should speak volumes to my character. I have great credit and this has impacted in a negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Subject : Complaint Regarding Bank of America Credit Card Rewards Revocation Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding my recent experience with Bank of America and the revocation of my credit card rewards without a proper explanation. I believe that my rights as a consumer have been violated, and I seek your assistance in resolving this matter. 

On [ XX/XX/2023 ], I received notification from Bank of America stating that my credit cards were cancelled & when I tried to use my rewards it didnt let me when I reached out to them I was told that was there policy and they can not give more explanation.However, despite multiple attempts to seek clarification, I have not received a satisfactory explanation for this action. As a long-standing customer of Bank of America , I have always fulfilled my obligations and maintained a good credit history. 

I am deeply concerned about the lack of transparency and communication surrounding the cancellation of my cards & rewards. I have diligently accumulated these rewards through my regular card usage, and their revocation without a valid reason has significantly impacted my trust in Bank of America as a financial institution. 

I also have all my wealth management retirement accounts with them. And that really makes me think how I should trust a institution like this. I used these cards to pay for my child classes and regular daily gas groceries etc. 

I have attempted to resolve this matter directly with Bank of Americas customer support, but I have not received a satisfactory response or a clear understanding of why my rewards were revoked. Given the circumstances, I believe it is appropriate to involve a regulatory authority like the CFPB to ensure a fair resolution. 

I kindly request that the CFPB thoroughly investigate this issue and intervene on my behalf to rectify the situation. I seek an explanation for the revocation of my credit card rewards and appropriate restitution if it is determined that Bank of America has acted in error or violated any consumer protection regulations. 

I appreciate your attention to this matter and your commitment to protecting consumer rights. I look forward to a prompt and fair resolution of this complaint. 

Thank you for your time and assistance. 

Sincerely, 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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
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 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Bank of America has XXXX in my checking and they froze my account on XXXX XXXX and never told me. I tried to move money to my BofA savings and tried to withdraw from atm and they wont let me. When I called I spent hours and all they say is your account is being reviewed we will let you know THEYVE STOLEN MY MONEY ( well I hope I get it back but Ive already lost the opportunity cost ) I wanted to get a higher interest rate and move it to the savings i have with them but they froze my account with no warning, no notice, and they continue to give me no reason why after a week and a half. I cant even buy a hamburger right now, cant get a dime from my checking and they refuse to tell me why.

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 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America closed all of my credit cards without any notice. My interest increased directly after without my notice.

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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, 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:
HELLO MY IS XXXX XXXX XXXX XXXX AND I AM MAKING THIS COMPLAINT BECAUSE I HAVE TRIED MULTIPLE TIMES TO DELETE THIS INFORMATION FROM THIS ACCOUNT FROM MY CREDIT INFORMATION, SINCE I WAS NOT THE ONE WHO APPLIED FOR THIS ACCOUNT, MY PERSONAL INFORMATION, FOR EXAMPLE THE ID AND THE SOCIAL SECURITY WERE STOLEN, THEY WERE USED TO OPEN MULTIPLE ACCOUNTS FRAUDULENTLY, ONE OF THE BANKS AFFECTED WAS THE CARD ( XXXX XXXX XXXX / XXXX ) WHICH CURRENTLY HAS A BALANCE OF {$0.00} THAT WAS OPENED AS A FRAUD, I DEMAND TO ELIMINATE THAT ACCOUNT ON MY CREDIT REPORT, I MADE AN IDENTITY REPORT ADDING THIS ACCOUNT TO THE IDENTITY THEFT REPORT SO IT CAN BE REMOVED FROM MY CREDIT REPORT THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: FL

Complaint narrative:
LEXIS NEXIS is reporting my personal financial information to the National Credit Reporting Agencies : XXXX, XXXX XXXX XXXX as well as reporting my insurance information and transaction history to multiple providers without my knowledge or consent. They have also reported Bankruptcies in violation of the FCRA. I have been severely damaged and been kept from accessing my credit when I needed it the most! During the Hight of Covid I wasn't able to get my XXXX loan nor a small business loan because according to the lenders information reported to the major CRA 'S was provided by this junior CRA that I'm only just learning about! Why did you do this? Who paid you to report this and who told you it was okay to damage me and interfere with my ability to get things done for my personal, family and household purposes. You have broken the law and I demand remedy!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XX/XX/XXXX th I use my debit card, which left my account at 0, no overdraft, I was getting a deposit that same day, and they close my account for no reason, I have been getting direct deposits 3 of them from social security to my account, and they didnt give me a reason

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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
The following companies have been contacted in reference to inaccurate information, inaccurate furnishing of information and or FRAUD under my name. XXXX and XXXX are reporting accounts from Comenity Bank/Victorias Secret XXXX XXXX XXXX XXXX Bread XXXX  and XXXX XXXX XXXX XXXX Any accounts from XXXX XXXX XXXX  and Comenity Bank need to be deleted from my credit profile as soon as possible. The unfair and inaccurate reporting is causing harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My Bank of America account was closed without notice. I assumed it was closed due to me not utilizing the account. I applied for a XXXX XXXX account but my application was declined due to banking history. I checked my XXXX account as well as early warning services and see that Bank of America reported suspected fraud as the reason for closing my account. I never received any correspondence from Bank of America in reference to this matter nor any correspondence alerting me that my account was closed. I even contacted them with no resolve. I was a victim of identity theft prior to Bank of America closing my account. I was able to get the fraudulent activity removed from my chexsystems by supplying them with a police report and other documentation but early warning services is giving me a hard time trying to dispute 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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, 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:
HELLO, MY IS XXXX XXXX AND I AM MAKING THIS COMPLAINT BECAUSE I HAVE TRIED MULTIPLE TIMES TO DELETE THIS INFORMATION FROM THIS ACCOUNT FROM MY CREDIT INFORMATION, SINCE I WAS NOT THE ONE WHO APPLIED FOR THIS ACCOUNT, MY PERSONAL INFORMATION, FOR EXAMPLE THE ID AND THE SOCIAL SECURITY WERE STOLEN, THEY WERE USED TO OPEN MULTIPLE ACCOUNTS IN A FRAUDULENT WAY, ONE OF THE BANKS AFFECTED WAS THE CARD ( XXXX XXXX ) WHICH CURRENTLY HAS A BALANCE OF {$4800.00} THAT WAS OPENED AS A FRAUD, I DEMAND TO DELETE THAT ACCOUNT FROM MY REPORT I MADE AN IDENTITY REPORT ADDING THIS ACCOUNT TO THE IDENTITY THEFT REPORT SO IT CAN BE REMOVED FROM MY CREDIT REPORT THANKS

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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, 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:
HELLO, MY IS XXXX XXXX AND I AM MAKING THIS COMPLAINT BECAUSE I HAVE TRIED MULTIPLE TIMES TO DELETE THIS INFORMATION FROM THIS ACCOUNT FROM MY CREDIT INFORMATION, SINCE I WAS NOT THE ONE WHO APPLIED FOR THIS ACCOUNT, MY PERSONAL INFORMATION, FOR EXAMPLE THE ID AND THE SOCIAL SECURITY WERE STOLEN, THEY WERE USED TO OPEN MULTIPLE ACCOUNTS IN A FRAUDULENT WAY, ONE OF THE BANKS AFFECTED WAS THE CARD ( XXXX XXXX ) WHICH CURRENTLY HAS A BALANCE OF {$4800.00} THAT WAS OPENED AS A FRAUD, I DEMAND TO DELETE THAT ACCOUNT FROM MY REPORT I MADE AN IDENTITY REPORT ADDING THIS ACCOUNT TO THE IDENTITY THEFT REPORT SO IT CAN BE REMOVED FROM MY CREDIT REPORT THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent out letters to the bureaus about this account. I have no idea where this came from but im trying to buy a house. This item needs to be removed please! 


XXXX ) XXXX XXXX # XXXX xxx 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 non-monetary relief