vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Opened online account with XXXX XXXX XXXX XXXX on XX/XX/year> Confirmed access to account via smartphone app at the time the account was opened. 
DL # and SSN was ID used to open account. 

Attempted to access account on XX/XX/year> and was unable to access account. 

XXXX XXXX requested additional PII to unlock the account sent via fax, snail mail or ( when pressed ) email with a 5 day turnaround. 

Requested that bank close my account and return my money and they refused without disclosure of additional PII in person at local branch. 

I simply want my money back without the headaches they are insisting on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-03 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: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
I am filing a complaint against TOYOTA FINANCIAL SERVICES falsely claiming and reporting to be as TOYOTA MOTOR CREDIT for violating 15 USC 1692 C for unlawful communications and for violating my privacy rights under 15 U.S.C. 6801, 6802, 6803 and 6804. I requested all information in my file per FCRA 1681g and instructed Open XXXX XXXX XXXX not to share my nonpublic personal information under 15 U.S.C. 6801 and 6802, which protect my privacy and give me the right to opt-out of information sharing with nonaffiliated third parties and affiliates.

Despite this, they have continued to disclose my information without my consent, failing to respect my opt-out requests as mandated by law. This non-compliance poses a significant risk to my privacy and security. I request your intervention to enforce my rights and ensure XXXX XXXX XXXX adheres to federal privacy standards. I am writing to formally request the immediate removal of negative account reported on my credit file that are injurious to my creditworthiness. 

This alleged account, " TOYOTA MOTOR CREDIT '' have been reported in violation of multiple federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act. In accordance with the Fair Credit Reporting Act, TOYOTA MOTOR CREDIT has violated my federally protected consumer right to privacy and confidentiality under the 15 USC 1681. Additionally, under the Gramm-Leach-Bliley Act : No Disclosure of Information : You do not have my permission to share any nonpublic personal information with nonaffiliated third parties or affiliates. Opt-Out of Marketing : Please remove my name from all marketing lists and databases. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of the notice. 

Please address these issues promptly, as failure to comply will result in further legal action to enforce my rights under the applicable federal laws. I expect a response confirming the removal of these items within the required time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
I have been a current victim of identity theft which has been discovered since XXXX of this year 2024. 
This one from Radius Global Solutions with the original credit listed as XXXX XXXX is included in this. I have not owned a XXXX XXXX card in over 6 years and the one I did have was a secured credit card in my name and that had been paid in full and closed. 
The amount of this debt being pursued is for {$120000.00}. 
I have an FTC report which was filed immediately when I discovered my identity was compromised and also have an inquiry made to my local police department which has been made aware of this crime as well. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: IL

Complaint narrative:
I purchased a XXXX XXXX money order XXXX for {$35.00} and mailed to a creditor. It was lost in the mail and the creditor charged me a late fee. I submitted a refund request in early XX/XX/year> online at XXXX XXXX 's website. I waited over a month and did not receive it. I submitted another request online, still nothing. So, I submitted a refund request via XXXX with the money order receipt and a copy of the purchase receipt in late XX/XX/year>. I also file a complaint with the XXXX I received an email reply from XXXX XXXXXXXX XXXX Executive Resolution Dept. on XXXX stating that I would receive the refund within ( 7 ) to ( 14 ) days and that they would also waive the {$15.00} refund fee. It has now been over ( 30 ) days and still nothing. I have been now trying to get my refund for over ( 4 ) months now.??????

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 explanation
Consumer complaint received 2024-09-03 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 explanation
Consumer complaint received 2024-09-03 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: TX

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX IS IN DIRECT VIOLATION OF THE FCRA, they continue to report the following unverified account : XXXX XXXX  Account Number : XXXX I have requested the deletion of this account numerous times and it still remains on my credit report to this day and is in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

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 2024-09-03 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: MI

Complaint narrative:
The following accounts do not belong to me, they are the product of identity theft. My name and last name are very common and this can lend itself to confusion. The accounts in question are as follows : 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 XXXXXX/XX/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 2024-09-03 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: MI

Complaint narrative:
The following accounts do not belong to me, they are the product of identity theft. My name and last name are very common and this can lend itself to confusion. The accounts in question are as follows : 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 XXXXXX/XX/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 2024-09-03 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: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I HAVE BEEN TRYING TO REMOVE THE FRAUD ALERT FROM MY CREDIT REPORTS AND THE COMPANIES KEEPING DENYING ME MY RIGHTS.

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I HAVE BEEN TRYING TO REMOVE THE FRAUD ALERT FROM MY CREDIT REPORTS AND THE COMPANIES KEEPING DENYING ME MY RIGHTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank sold my debt to XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The agency has called me multiple times daily, often using different numbers, and has pressured me into an untenable payment arrangement. I attempted to settle my debt in good faith, offering to pay 50 % of the owed amount in four payments. However, the agency pushed me into an unaffordable arrangement of {$1000.00} in two payments. When I tried to renegotiate after realizing I could not meet these terms, they flatly refused any further discussion. 

Despite my efforts to communicate and negotiate reasonably, XXXX has shown no willingness to engage in meaningful discussions. They rejected my attempts to find a solution that would allow me to fulfill my obligations without undue hardship. Instead, they opted to pursue legal action as a means to pressure me into paying the full amount plus additional costs. 

When the agency initiated a lawsuit against me, they refused to mediate, offering only a " best offer '' of full payment plus court costs. This demonstrates their intent to use the legal system not as a means of achieving a fair resolution but as a tool to intimidate and extract the maximum possible payment. Their actions appear to be motivated by a desire to wield the legal system as a hammer, leveraging the threat of a trial to force a settlement on their terms, regardless of my financial situation or ability to pay. 

As a single mother with a young autistic child, the agencys tactics have caused significant emotional and financial distress. I live paycheck to paycheck, and their refusal to negotiate in good faith has made it nearly impossible for me to manage my finances responsibly. Their aggressive pursuit of legal action, rather than seeking an amicable resolution, has further exacerbated this stress. 

I am requesting that the CFPB investigate XXXX for potential violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically regarding their bad faith negotiations and abuse of the legal process. I ask that the agency be held accountable for its actions and be required to engage in fair and reasonable negotiations to resolve this matter without further abuse of the legal system.

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Reporting credit agency EXPERIAN FICA score is too low compared to XXXX and XXXX. Experian reports a score of XXXX while XXXX and XXXX report an average of XXXX. Experian is miscalculating my score otherwise their FICA would be much closer to XXXX. I have asked them to confirm and they have refused. I want them to issue the correct score and not punish 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 2024-09-03 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: NEW YORK COMMUNITY BANCORP INC
State: MA

Complaint narrative:
Flagstar bank reported me being 30 days late for XXXX XXXX on loan # XXXX due to a confusion caused by their failure to send me a service transfer notice within the time expected. 
Flagstar and their subsidiary company XXXX XXXX have been servicing both of my loans for he properties I bought at the same time in XXXX. 
Property addresses and loans : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Loan # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX : Loan # XXXX I have been consistently making payments for these two loans under the XXXX website first and then under Flagstar up until XX/XX/2024. Flagstar for some odd reason also utilizes XXXX to make payments and to log in to pay these loans. At first, this created confusion to figure out which website to go on to pay the loans but then the system would allow only Flagstar to pay the loans. Then, without me receiving any notice Flagstar only sold 1 loan # XXXX, to XXXX XXXXXXXX XXXX apparently in XXXX. When I logged in to Flagstar the system advised me they have sold the loans to XXXX XXXX XXXX and they will longer accept my payments and I had 60 days to make payments accordingly. Then XXXXXXXX XXXX only showed the loan they had purchased, but not the other loan which I did not know it had stayed with Flagstar. When I realized the confusion, caused by their failure to send me notification and the 3 websites servicing the loans, I logged back on Flagstar to make the XXXX payment. This payment was not I effect until a few days past the 30 days due to the confusion. I requested Flagstar to recall the 30 day late report and they said the payment was late and did not care whether or not the servicing notice was received by me or not. 
I am entering this complaint to seek support to ensure Flagstar Bank makes amendments to their policy regarding transferring service notices and the two websites they use to make payments for other consumers and recall my 30 day late report to the credit bureaus.

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 2024-09-03 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: PA

Complaint narrative:
I would like to start by thanking you for taking your time out to read this. I am writing about deleting inaccurate information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft possibly through a data breech and did not make the charge. I ask that the items be deleted to correct my credit report at the earliest convenience. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief