vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/year>, my mother, sister, and I received a call from a representative claiming to be XXXX from the USAA Financial Crimes Investigation Department. The number provided was XXXX, extension XXXX, with hours of operation from Monday to Friday, XXXX XXXX to XXXX XXXX. We still have a record of this call and the incoming number, XXXX, both appearing to be from USAA, attempting to obtain information about my account. My mother refused to provide any information and called USAA four times that day to inquire about the calls, which seemed suspicious. USAA confirmed that if no one from their team had called, it would be documented, and my mother 's request for this incident to be noted was recorded. 

Subsequently, I received multiple calls from the same person asking for confidential information. I declined to provide any details, especially after the caller asked if I had requested an increase on my credit card limit with USAA. I do not have a credit card with USAA, and therefore I terminated the call immediately. 

On or around XX/XX/year>, I was contacted by USAA regarding a check deposited into my account via an in-branch transaction that I was unaware of. I have copies of this check as evidence. It is important to note that there are no USAA branches in the XXXX of Massachusetts, which raises a red flag. Additionally, I have never lived or conducted any business in California, which is another cause for concern. 

I am currently on XXXX XXXX XXXX, and my rights under the Servicemembers Civil Relief Act ( SCRA ) have been violated. The bank closed my account when I requested an investigation into this matter. Additionally, they have blocked my access to the account and my funds from my employment, stating I would need to wait 60-90 days to receive a check. I urgently require assistance in recovering my funds as I have bills to pay. 

Furthermore, it appears USAA has been compromised by a security breach involving XXXX actors, yet failed to notify its customers, leading to the closure of accounts belonging to victims of such negligence. Had USAA had an account take over this probably would not have happened due to their negligence my account information was compromised and someone hacked my account and information. 

I am seeking immediate assistance to resolve this matter and to receive my funds without further delay.

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 2024-09-05 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:
Consumer Name : XXXX XXXX XXXX, Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal CC and a business credit card account opened for XXXX on XX/XX/XXXX totaling {$80000.00}. 
XXXXXXXX XXXX  opened on XX/XX/XXXX totaling {$8200.00}. ACCT # XXXX These accounts have resulted in fraudulent charge offs appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the items. I do not recognize the mentioned accounts, charge offs, or hard inquiries as reported. 
The above mentioned accounts, charge offs, and hard inquiries appearing on my credit report maintained by you, were not opened, made, or initialized by me. 
These two accounts are a result of identity theft and fraud. 

I have attached a copy as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, charge offs, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
My father opened my bank accounts sometime when I was a child. After becoming an adult, I requested the bank remove him from my account. My father and I both went to the bank and filled out paperwork to have him removed from the account. 
Years later, he is still getting emails about my account balances. I have reached out to the bank, and they agreed he is not on file and a shared owner. My contact info is the only information they have for me, but he is still getting emails about my bank balance ( including the last XXXX of my account number ). This is a violation of my privacy and a mishandling of my financial data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Year XXXX my credit is still showing old accounts that need to be deleted of my report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I've tried to get my free credit report from Equifax and upon attempting to retrieve my report, their website states they have no record of my SSN or any information on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
The reason for my review request is my fiance past away from XXXX which effected my total combined income. When i requested a loan modification that PHH denied on XX/XX/year> PHH did not include my income. I have had a very difficult time with PHH Mortgage. Every time I submit documents for the loan modification, PHH will request the same documents again. Every time I call I get a different answer to resolve my modification review. I was declined again after going through a major family tragedy from XXXX. I am back to work full time and based on mortgage banking guide lines I can afford my mortgage. I am asking for a Tier 2 review for my modification review to save my home and avoid a foreclosure. 

Please place my modification back in review with the correct income being used.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
XX/XX/year> I was told to pay credit card amount of XXXX and now when I speak to customer service representative they are saying I owe a total of {$750.00} which is false the last time Id check I only owe a balance of XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: ME

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I was shocked to find out that my credit report contains numerous inaccuracies and false information, no wonder why my credit applications keep getting turned down. Dealing with these errors has been so stressful and has had a significant impact on my mental well-being.

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 2024-09-05 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: PA

Complaint narrative:
I XXXX  from XXXX XXXX XXXX I believe it was in 2008. They since closed all their branches. They made false promises of job placement that never happened. I just recently found out they were involved in a class action law suits where many loans where forgiven. Is too late for me to file the lawsuit. This XXXX  was a total scam. I was preyed on as a XXXX XXXX XXXX XXXX XXXX. Now I am stuck with XXXX of student loan for a XXXX  that was useless since the XXXX  closed and I can not transfer my credits anywhere.

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 2024-09-05 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: NJ

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am entitled to have any fraudulent items blocked from my credit report within four business days upon submitting an identity theft report. Additionally, 15 U.S.C. 1681s-2 requires furnishers of information to ensure accurate reporting and promptly investigate any disputes. Under 15 U.S.C. 1681g ( e ), I request the production of any fraudulent application records, including signatures or documentation used to open these accounts. If no valid proof of my signature or proper validation of the account exists, they must be immediately removed. Under 15 U.S.C. 1692c ( a ) ( 2 ), collection activities must cease regarding debts from this identity theft.

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 2024-09-05 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: NJ

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am entitled to have any fraudulent items blocked from my credit report within four business days upon submitting an identity theft report. Additionally, 15 U.S.C. 1681s-2 requires furnishers of information to ensure accurate reporting and promptly investigate any disputes. Under 15 U.S.C. 1681g ( e ), I request the production of any fraudulent application records, including signatures or documentation used to open these accounts. If no valid proof of my signature or proper validation of the account exists, they must be immediately removed. Under 15 U.S.C. 1692c ( a ) ( 2 ), collection activities must cease regarding debts from this identity theft.

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: NC

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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my SELF/XXXX XXXXXXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: TX

Complaint narrative:
I am writing to formally lodge a complaint against several credit reporting agencies for what I believe to be violations of federal laws concerning the reporting and disclosure of my credit information. My concerns are based on violations of the Fair Credit Reporting Act ( FCRA ), the Privacy Act of 1974, the Gramm-Leach-Bliley Act as well as 15 USC 1681 where the credit that is reporting should be 100 % accurate.

The credit bureaus are in violation because all three bureaus are not reporting the same information for one specific company.

1. Violation of 15 U.S.C. 1681a Exclusions : According to 15 U.S.C. 1681a ( 2 ) Exclusions ( A ) ( i ), credit reports should not contain information solely about transactions or experiences between the consumer and the reporting entity. I have observed that my credit report contains detailed transaction history, which appears to be in violation of this provision. This inclusion of transaction history is not only contrary to the FCRA but also impinges on the accuracy and fairness of my credit report.

2. Violation of the Privacy Act of 1974 ( 5 U.S.C. 552a ) : Under 5 U.S.C. 552a, no agency shall disclose any record contained in a system of records by any means of communication to any person or to another agency without prior written consent from the individual concerned. Specifically : Student Loans Reporting : My credit report contains information regarding my student loans that appears to be disclosed without my written consent. This disclosure is a potential violation of the Privacy Act unless it falls under specific exceptions such as routine uses or needs for the record by agency employees performing their duties.

The law provides exceptions for disclosures, including : To officers or employees of the agency who need the record for their duties.

Required under Section 552 of this title.

Routine uses as defined under the Privacy Act.

Census or survey-related activities.

Statistical research or reporting records that are not individually identifiable.

3. Violation of 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) : Under 15 U.S.C. 6802, financial institutions are prohibited from disclosing nonpublic personal information to third parties without proper authorization. I have noticed collections on my credit report that appear to have been shared with third parties without my consent, thereby violating this statutory requirement. The unauthorized sharing of my information is a serious concern and warrants immediate review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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:
I am writing to formally lodge a complaint against several credit reporting agencies for what I believe to be violations of federal laws concerning the reporting and disclosure of my credit information. My concerns are based on violations of the Fair Credit Reporting Act ( FCRA ), the Privacy Act of 1974, the Gramm-Leach-Bliley Act as well as 15 USC 1681 where the credit that is reporting should be 100 % accurate.

The credit bureaus are in violation because all three bureaus are not reporting the same information for one specific company.

1. Violation of 15 U.S.C. 1681a Exclusions : According to 15 U.S.C. 1681a ( 2 ) Exclusions ( A ) ( i ), credit reports should not contain information solely about transactions or experiences between the consumer and the reporting entity. I have observed that my credit report contains detailed transaction history, which appears to be in violation of this provision. This inclusion of transaction history is not only contrary to the FCRA but also impinges on the accuracy and fairness of my credit report.

2. Violation of the Privacy Act of 1974 ( 5 U.S.C. 552a ) : Under 5 U.S.C. 552a, no agency shall disclose any record contained in a system of records by any means of communication to any person or to another agency without prior written consent from the individual concerned. Specifically : Student Loans Reporting : My credit report contains information regarding my student loans that appears to be disclosed without my written consent. This disclosure is a potential violation of the Privacy Act unless it falls under specific exceptions such as routine uses or needs for the record by agency employees performing their duties.

The law provides exceptions for disclosures, including : To officers or employees of the agency who need the record for their duties.

Required under Section 552 of this title.

Routine uses as defined under the Privacy Act.

Census or survey-related activities.

Statistical research or reporting records that are not individually identifiable.

3. Violation of 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) : Under 15 U.S.C. 6802, financial institutions are prohibited from disclosing nonpublic personal information to third parties without proper authorization. I have noticed collections on my credit report that appear to have been shared with third parties without my consent, thereby violating this statutory requirement. The unauthorized sharing of my information is a serious concern and warrants immediate 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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief