vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent accounts.

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 2024-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY

Complaint narrative:
mencing on or about XXXX XXXX, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my USAA Bank account to fraudulent investment firm ( XXXX ). 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether USAA Bank did not take notice of any rule, law, COMPLAINT FOR DAMAGES AND OTHER RELIEF Page 2 of 5 XX/XX/year> Page 2 of 5 or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of USAA Banks custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether USAA Bank promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether USAA Bank was in compliance with its own policies and procedures ; ( v ) whether USAA Bank owed duties to myself, what the scope of those duties was, and whether USAA Bank did not uphold those duties ; ( vi ) whether USAA Banks conduct was unfair ; and ( vii ) whether USAA Bank has within its power the ability to, and should, compensate

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 2024-07-22 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing to express my serious concern regarding the inaccuracies on my credit report. Despite multiple requests for investigation, I have yet to receive a satisfactory resolution or corrective action. These disputed accounts are having a severe impact on my credit file and significantly affecting my daily life. 

The inaccuracies have caused immense hardship, and I am now compelled to request your immediate assistance in addressing this matter. Please conduct a thorough investigation into each of the disputed accounts and take prompt action to update and correct my credit report. 

Restoring the accuracy of my credit file is crucial for my financial well-being, and I urgently need your help to rectify this situation without further delay. Your swift action and cooperation in resolving this issue would be greatly appreciated. 

Thank you for your understanding and prompt attention to 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 non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/year> I transferred a negotiable instrument in the amount of {$50000.00} to Navy Federal Credit Union ( XXXX XXXX # XXXX XXXX XXXX XXXX XXXX ) as payment in full for my vehicle loan account Ending in XXXX. After it was received by the company, I noticed that credits of the equal amount of the instrument were not applied to my account causing my account to be delinquent. It is now a fact that Navy Federal is not in compliance with the XXXX XXXX XXXX. I've reached out to them regarding this matter and they return a vague response of " The documents you sent were not valid and do not release you from your obligations ''. This is a willful act of non-compliance and also fraud. Under the XXXX Article XXXX, A negotiable instrument must carry all of the characteristics mentioned below to be a valid form of payment : 1. Must be written 2. Must be payable to bearer or to order 3. Must include an unconditional order or promise to pay 4. Must be signed by the maker 5. Must be payable at a specific time or on demand 6. Must contain a fixed amount of money to be paid 7. Must identify parties Since this instrument carries all of these characteristics, it is a valid form of payment despite company policies or regulations because the rules do not supersede the XXXX XXXX XXXX. 
This article also governs the acceptance or refusal of these instruments. Navy Federal explicitly said that this form of payment was not valid and that they did not accept it. Under XXXX XXXX of the XXXX XXXX XXXX this instrument still discharges the obligation. This section clearly states that if tender of an obligation is made to the person entitled to enforce the obligation and the tender is refused, there is still discharge to the extent of the amount tendered. Regardless of Navy Federal 's accepted or refusal, the obligation is paid in full and this payment should reflect in my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
My account with Bed Bath & Beyond thru Comenity Bank was closed XX/XX/XXXX I received a partial refund on late payments and interest and they also removed XXXX, XXXX and XXXX of XXXX from delinquencies on my credit report. 

They did not remove the delinquencies from my credit report for XXXX and XX/XX/XXXX as requested. In their response letter they stated : " Weve reviewed the relevant telephone calls. We found an instance where your concerns were not addressed. Please accept our apology. Were committed to providing the best customer service and are disappointed when this standard isnt met. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: CA

Complaint narrative:
Debt securities being created in my name with no equity for me. 

Violation of the privacy act of 1974 with the sale of my personal information. 

15 U.S.C 1692A-B Under the ECOA 15 U.S.C 169, it is unlawful for a lender to discriminate on a prohibited basis in any aspect of a credit transaction.

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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 
Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

Below is the account that I am disputing : XXXXXXXX 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 2024-07-22 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: Synovus Bank
State: OH

Complaint narrative:
Reporting anything negative on consumer report without my permission, more being notified before hand by furnisher is a violation FCRA and XXXX Compliance & reporting violations 15 usc 1681a ( d ) ( 2 ) ( a ) ( i )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am writing to file a formal complaint against TransUnion and XXXX for their failure to properly investigate and address my identity theft dispute in accordance with the Fair Credit Reporting Act ( FCRA ). 

Background : Identity Theft Incident : I have been a victim of identity theft, which has resulted in several fraudulent accounts and incorrect information appearing on my credit reports with TransUnion and XXXX. 

Reporting and Documentation : Following the guidance provided by the credit bureaus, I filed the appropriate identity theft report with the Federal Trade Commission ( FTC ). I also submitted an affidavit of dispute, along with three forms of identification to both TransUnion and XXXX. 

Non-Compliance by TransUnion and XXXX : Despite my adherence to all necessary procedures, TransUnion has responded with a letter stating that my disputes do not appear to be from me, which is both incorrect and unlawful. I have made multiple attempts to rectify this situation by providing all requested documentation, including my FTC report and a sworn affidavit. However, both TransUnion and XXXX have failed to open a proper investigation into my claims and rectify the inaccuracies on my credit report. 

Fraudulent Account Details : One of the fraudulent accounts that I am disputing is with XXXX, account number XXXX, with an amount of {$480.00}. 

Violations : Fair Credit Reporting Act ( FCRA ) Violations : TransUnion and XXXX are in violation of FCRA provisions, which mandate that credit reporting agencies must conduct a thorough investigation upon receiving a dispute along with appropriate identity theft documentation. 

Failure to Conduct a Proper Investigation : By dismissing my dispute and failing to open a proper investigation, TransUnion and XXXX are neglecting their legal obligations under FCRA Section 611 ( 15 U.S. Code 1681i ), which requires a reasonable investigation of disputed information.

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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to express my serious concern regarding the inaccuracies on my credit report. Despite multiple requests for investigation, I have yet to receive a satisfactory resolution or corrective action. These disputed accounts are having a severe impact on my credit file and significantly affecting my daily life. 

The inaccuracies have caused immense hardship, and I am now compelled to request your immediate assistance in addressing this matter. Please conduct a thorough investigation into each of the disputed accounts and take prompt action to update and correct my credit report. 

Restoring the accuracy of my credit file is crucial for my financial well-being, and I urgently need your help to rectify this situation without further delay. Your swift action and cooperation in resolving this issue would be greatly appreciated. 

Thank you for your understanding and prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
XX/XX/year>. Written letter to request the bill of sale showing the amount paid for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I sent a dispute to the company along with all the highlighted statements. 
I received your letter about investigating the account. I also received your letter saying that there was no billing error found in your investigation. I disagree with the information provided back to me.

I am moving forward with exercising my right under 15 USC 1681i ( 6 ) ( B ) ( iii ). 


i followed with a letter to XXXX XXXX and their company not complying with the Law. with exercising my right under 15 USC 1681i ( 6 ) ( B ) ( iii ).

I sent out a Certified letter with the Tracking number XXXX via XXXX which shows Delivered on XX/XX/year>. I am writing this letter on XX/XX/year> as it makes the XXXX day follow 15 USC 1681i ( 7 ).

3 attachment of letters that have been sent to the company and i have not receive any reply

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: FactorTrust, Inc.
State: WA

Complaint narrative:
I am a survivor of debt bondage, a form of human trafficking where I was coerced into accumulating debts. This situation has left derogatory marks on my credit report. I am currently receiving assistance from a representative at the XXXX XXXX, a dedicated organization for human trafficking survivors. Together, we are invoking Section 605C of the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to remove adverse information related to trafficking upon filing an official claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Ria Envia, LLC
State: TX

Complaint narrative:
On XX/XX/year> I send {$200.00} through RIA MONEY TRANSFER to my beneficiary in XXXX, RIA told me the money Will be in XXXX minutes at XXXX to my beneficiary, Due to RIA has the funds and they are Just throwing the Ball at each other. I have gone to the store and I have been treated poorly. I am a woman of age and I feel as if they are taking advantage of that because they see that I am an XXXX person. As of now I am making a Police report because I refuse to loose my {$200.00} dollars please let me know what is gone to be done, thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo claim # XXXX for disputed transactions totaling for a total of {$20000.00}. On XX/XX/XXXX I discovered fraudulent charges on my debit card by a company claiming to be XXXX over a period from XXXX to XX/XX/XXXX. These charged were not from XXXX and do not appear on any of my XXXX orders and many of the fraudulent transactions were for the same amounts. When I found the fraudulent charges, I immediately called Wells Fargo and audited all of my legitimate XXXX transactions and filed for fraud on the illegitimate fraudulent charges. Wells Fargo immediately gave me a credit for the fraudulent charges from XXXX to XX/XX/XXXX at the amount of {$1900.00}. They also gave a me a credit for another {$3600.00} while they investigated the other fraudulent charges and then took that back and sent me a letter claiming I waited too long to notify them and that " based on the information available to us " Wells Fargo '' we found the charges were made by you " XXXX XXXX '' or someone who had your permission. The charges were not by XXXX and were from a fraudulent entity and XXXX XXXX is claiming I am lying. Unacceptable. I am filing a police report and grievance and will also get legal counsel. They paid some and rejected the others and all were from the same fraudulent entity claiming to be XXXX but was not XXXX and no goods or services were ever shipped or ordered. This is debit card fraud. Amazing to me that Wells Fargo paid just a few of the fraudulent charges and rejected all the rest.

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 2024-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sa-Vit Enterprises, Inc.
State: NJ

Complaint narrative:
I had a procedure at XXXX XXXX XXXX XXXX in XXXX XXXX in XX/XX/XXXX. I received a balance bill from the XXXX center, at which time I called their billing department to better understand why I was receiving a balance bill. I was instructed to contact my primary and secondary insurance companies as my secondary didn't pay to cover the balance billed, {$1500.00}. After contacting both insurance companies, being told that my secondary insurance would not cover the balance, I wrote to XXXX XXXX XXXX XXXX in XX/XX/XXXX to notify them that secondary would not cover, and the balance billing was a financial hardship, and asked them to accept the {$3500.00} they were paid. 

I received no response from the billing department after sending the written letter. I assumed that they accept my request to accept insurance as full payment due to the financial hardship. 

I found out months later that they had sent me to collections, without any written response from them at all. How does a billing department receive such a letter, after having spoken with you twice before, and not offer you the courtesy to figure out some sort of payment plan with them, but nothing! Shameful! 

Be aware of the way they handle their billing. Be sure they run your insurance against payable expected to ensure you will not have a balance bill. Also, don't assume they will respond to any written letters, as they never did for 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 2024-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Three issues : 1 ) Charged {$82.00} in interest charges per statement with XX/XX/2024 due date. I pay the statement balance every month when I receive it via email. Based on the same statement, it looks as though the previous balance was {$16000.00} and I paid XXXX. So I must have accidentally paid XXXX dollar too little. However, that does not explain why I was charged {$82.00} of interest on {$1.00} of balance from the preceding period. I called on XX/XX/XXXX for an explanation and the representative repeatedly told me that I have paid every bill late since account inception. I told her I always pay the statement balance on or soon after the statement date and she remained resolute. I told her that I have never been charged interest until the statement in question. She remained resolute. 

2 ) Rewards points due from XXXX XXXX XXXX Credit Card, administered by XXXX XXXX, have not been reflected and available for use on XXXX XXXX XXXX  portal, administered by XXXX XXXX. I have called multiple times over the past couple of months, have been told they will fix it, and then receive no follow-up communication. The rewards program was my only reason for opening this credit account. 

3 ) Authorization declines. Since XX/XX/XXXX, the card is declined 90 % of the time when attempting to make purchases. It is frustrating, embarrassing, and inconvenient. I was planning on using the card as my primary means of paying for everyday items. In some cases, I didn't have an alternative means to pay. I have called several times and go through lengthy verification procedures and assured that both my card and the card used by my additional authorized signer would work. However, attempts to use the cards subsequent to these conversations continue to be declined. 

I will likely close this account at the next opportunity. However, I would like to ensure that the Rewards Points may be transferred to my XXXX XXXX XXXX account and that they will either remain there or I can use them, prior to closing the credit account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: TX

Complaint narrative:
I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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