vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
FCO FAIR COLLECTIONS AND OUT ( Original Creditor : XXXX XXXX XXXX XXXX ) of XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX is demanding payment for a debt that does not belong to me and is further inaccurately reporting this item on my credit report with efforts to unlawfully collect a debt. I have made efforts to resolve the matter and requested supportive documents to validate this debt. To date the company has failed to provide this information and continues to demand payment with unlawful tactics for payment by reporting this false information to the credit bureaus. I have never had any business transactions with the original creditor noted and they claim to have no knowledge of this debt.

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 2024-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Used a XXXX  % balance transfer offer from Capital One for about {$10000.00}. I thought I had changed my autopay settings, but autopay ended up paying off the entire balance after a single month. When I called in to try to reverse part of that payment, they said they'd submit a request, but that was then denied. I've never had a problem getting overpayments reversed with other banks, even when it was 100 % my fault. I essentially paid {$300.00} for a XXXX month " loan ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: MI

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

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 2024-05-31 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These items do not belong to me and or were never late XXXX XXXX balance {$4900.00} not my account XXXX XXXX XXXX {$21000.00} not my account diamond resorts XXXX {$12000.00} not my account XXXX XXXX account was never late

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 2024-05-31 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: UT

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 2024-05-31 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: EQUIFAX, INC.
State: UT

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
This is the filling of my complaint to BANK OF AMERICA. I accept that my data is being abused and detailed as wrong. In my credit report I discovered some slanderous things that I didn't know about. I found late payments which never occurred and account with mistaken data, like payment history, status, balances, and date of last activity. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my written instructions. I have attached the FTC report to support my complaint with the FTC report number 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
Consumer complaint received 2024-05-31 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: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Self Financial Inc.
State: TN

Complaint narrative:
I had a SECURED card with Self Lender. I asked them to close the account on XX/XX/year>. On XX/XX/year> I made my last credit builder account and told Self Lender to apply this to my secured card and close the account. Self Lender didnt do that and began charging me late fees. They only closed my account in XXXX and continued to charge me late fees until they charged off the account and reported it to the credit bureaus. I DO NOT OWE SELF LENDER ONE XXXX!!!!!! Self lender is trying to scam me out of {$140.00}. They need to correct this account and either remove it from the credit bureaus or change it to paid as agreed. Once again I owe them XXXX DOLLARS!!!! Every XXXX that Self claims I owe them is LATE FEES on an account that I closed and they didnt!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: Monterey Financial Services LLC
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My identity was stolen a Maryland state id & boa bank card XXXX prepaid cards etc .. my. Whole wallet & will like a lock in my social security 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 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed inaccurate addresses, and names. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ADDRESSES : No Address XXXX XXXX Tx XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Tx XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX F XXXX XXXX Tx XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Tx XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Tx XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX. NAMES : XXXX XXXX XXXX, are all inaccurate. 
Also, according to 15 USC 1681s-2, 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 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed inaccurate addresses, and names. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ADDRESSES : No Address XXXX XXXX Tx XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Tx XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX F XXXX XXXX Tx XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Tx XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Tx XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX. NAMES : XXXX XXXX XXXX, are all inaccurate. 
Also, according to 15 USC 1681s-2, 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 response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I was wrongfully charged overdraft fee even though my account had positive balance on it. A day prior and day after there were money deposits on XX/XX/XXXX and on XX/XX/XXXX to cover transaction in question XXXX XXXXXXXX XXXX XXXX grooming place ) for {$66.00} and other transactions.I was calling Wells Fargo customer service to resolve the fee with no results with several people, afterwords opening a case # 1 with their Escalation Department case # XXXX XXXXCase # 1 was opened on XX/XX/XXXX. On XX/XX/XXXX a " resolution '' email was sent to me reporting why I was charged which was not a true case and nothing was investigated.Only generalized info was sent to me.I had to open another case that is pending now case # 2 on XX/XX/XXXX # XXXXMeanwhile I called first investigator case # 1 XXXX XXXX and we discussed the mistake in first case and also that nothing investigating was done in that case .He stated he saw the mistake and would be calling me on XX/XX/XXXX after XXXX XXXX.No calls followed.I had to phone Escalation Department on XX/XX/XXXX in order to talk to XXXX XXXX personally but he was not available, after asking for supervisor, agent stated she is not available as well and must be on meeting.I have been dealing with Well Fargo almost a month now over the phone for hours with no resolution.Please help me.

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 2024-05-31 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I called Navient on XX/XX/year> asking for the school misconduct form and requesting a forbearance along with another form to be sent to my email. The lady claimed she didn't know what I was talking about and got another agent on the phone who said they will be emailing a forbearance form along with another form. I got transferred back to the first agent and asked can my forms be mailed to my home address and was told no. They would have to be sent to my email. After explaining everything will be sent I hung up. After XXXX hours of waiting for my forms and still nothing. I called back and talked to the automatic system and I said I need the school misconduct form into the system and the line was disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
On Thursday XX/XX/XXXX, I deposited a check into NAVY FCU at the branch located XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The check is my XXXX XXXX from the XXXX XXXX XXXX and reflects that it is from the XXXX XXXX XXXX XXXX XXXX. Navy FCU emailed me informing me that they will be delaying the funds. The email reads, " We've taken this precaution because we have reasonable cause to believe that the check is uncollectible from the paying bank based on confidential information that indicates that the check may not be paid. If the bank pays the check, you can expect to receive your funds within XXXX business days of your deposit. '' I called and informed them the check is a XXXX XXXX check and reminded them that per their Funds Availability Schedule they are required to release XXXX XXXX  check XXXX after the deposit date. 
Next-Day Availability. 
BELOW IS THE FUNDS AVAILABILITY SCHEDULE : Funds from the following deposits are available on ( or before ) the first Business Day after the day we are considered to have received your deposit : U.S. Treasury Checks that are payable to you Received electronic payments, such as wire transfers, and Automated Clearing House ( ACH ) credits Checks drawn on any bank, {$220.00} or less On-us checks deposited at a Navy Federal branch office or at a Navy Federal ATM located inside or within XXXX feet of a Navy Federal branch office. 
If you make a deposit in person to a MSR at a branch, funds from the following deposits are also available on the first Business Day after the day we are considered to have received your deposit : State and local government checks that are payable to you Cashiers, certified, and tellers checks that are payable to you Federal Reserve Bank checks, XXXX XXXX XXXX XXXX checks, and postal money orders, if these items are payable to you Cash Other on-us checks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

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