vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Unsure of the dates and amounts but have been a member with navy federal since 2013

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 2024-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I had XXXX XXXXXXXX and to spread out the payments we got a Synchrony Care Credit XXXX through Synchrony bank. This had a XXXX month, no interest if you paid it in full. Unfortunately we miscalculated the timeframe of the promotion and ended up with over XXXX in interest on a XXXX original charge. I accept that we should have known this, and that by contract we owe the money. We have actually paid them. But this company and service that they provide should be unlawful. How many people who need medical care and cant afford it are forced to use this service and saddled by debt for years. This is predatory lending. For people who have no other options they will be stuck in this debt cycle for a very long time. This type of lending and interest charges should not be allowed without, at the very least, notification that the introductory period is ending soon.

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 2024-11-11 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: AL

Complaint narrative:
This Account was charged off on the following date, XX/XX/year>. Since then the account has been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an accretive payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding deletion of the following account : XXXX XXXX Account - 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 2024-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Collection Management Holdings, LLC
State: NY

Complaint narrative:
I have responded by mail to 3 collection letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from : XXXX Credit Management Company XXXX XXXX XXXX XXXX, PA XXXX Responding to Accounts # XXXX, XXXX, XXXX Each contained the following in the letter : Dear Sir/Madam : I am writing in regard to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt because I do not owe it. 
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ). Thank you for your attention to this matter.

I signed and dated each one and have maintained copies. Despite instructions to cease contact I have received a total of XXXX phone calls and messages from XXXX XXXX of Credit Management Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately. 

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block 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 loan account opened XXXX under the account number ( XXXX ), and XXXX XXXX under the account number ( XXXX ) and XXXX  under the account number ( XXXX ) and XXXX XXXX the account number ( XXXX ). These accounts have resulted in several fraudulent ACCOUNTS appearing on my consumer XXXX credit report. I've attached a list of the FRAUDULENT ACCOUNTS in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent item. REMOVE IMMEDIATELY PLEASE THESE ACCOUNTS. 
I do not recognize the aforementioned accounts AND collections as reported. The aforementioned accounts AND collections, on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts AND collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts AND collections are the result of identity theft and fraud.I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that ARE not associated with me. 

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
All checks have a bank account & routing # at the bottom. As a business we are writing checks all day long ; handing them out to delivery drivers, ect. Someone took our bank account and routing # and made an XXXX purchase in the amount of XXXX. There was more fraud on our account, which has all been reimbursed, with an unbelievable amount of time spent on it. This transaction however they will not credit back. There is a " one day limit '' and after that it is " out of XXXX XXXX XXXX  hands '' due to " federal regulations. '' This specific fraud used Continental Finance which then used tele check, which both acted as smoke and mirrors, which also makes it unbelievable difficult to get to the original source of fraud. 
XXXX XXXX XXXXXXXX is the Initial issue but we are too small of a business to change anything all they tell us is tough luck. We are trying to contact Continental Finance because they are who the fraudster used as first point of this. The other bank XXXX XXXX XXXX which the funds were deposited into will not speak to us.. they will only talk to XXXX XXXX XXXX , but XXXX XXXX XXXX doesn't want to spend the time or resources. 
It is not mine or the business 's fault that this information is so readily displayed to the world. XXXX XXXX XXXX has a flaw in their system and are loosing millions if not billions of dollars due to sheer lack of competence & wiliness to resolve the problem at its core.

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 2024-11-11 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: Experian Information Solutions Inc.
State: NY

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. I told experian, XXXX XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

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 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
I opened an account with M & T Bank on XX/XX/XXXX. On XX/XX/XXXX per their promotion for a {$350.00} bonus payment I deposited {$500.00} from my payroll into the account. The bank subsequently added a condition to the bonus page showing their were zip code requirements for the bonus. This was not on the bonus offer when I opened the account. When I contacted the bank to ask about the bonus I was told I was not eligible for the bonus as I did not live in the XXXX XXXX and that the bonus was only for residents for XXXX XXXX. I asked to then close the account without a fee and was told I would need to go to a branch to close the account and no mention of the early account closure fee. I would like to receive the bonus as promised. I have a screenshot of the bonus offer from XX/XX/XXXX as proof.

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 2024-11-11 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: MN

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. 
Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXXXXXXXXXXXXXX XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : credit card # XXXXXXXXXXXXXXXXXXXXXX XXXX has violated my rights. 
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 2024-11-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC.
State: MD

Complaint narrative:
Optum Bank, a state-chartered bank headquartered in Utah, is required by state law to provide a valid and accessible phone number to the Utah Department of Financial Institutions ( DFI ). This number must connect to an employee or representative who is capable of answering or promptly responding to messages. According to the Utah Code and general regulatory standards for financial institutions, customer service accessibility is essential to ensure accountability and responsiveness in banking operations. 

As displayed on the DFIs website ( XXXX XXXX XXXX  ), Optum Bank has provided the contact number XXXX for public inquiries. This number, however, consistently leads to voicemail, with no follow-up or response from a live representative, which constitutes a failure to provide adequate access for accountability and communication with customers and regulatory bodies. Optum Banks lack of responsiveness appears to be a deliberate effort to avoid accountability, contravening the transparency obligations of a state-chartered financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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 disputing the inaccurate repossession remark on my credit report and am requesting its removal. The information provided does not accurately represent the details of this account. Attached is documentation supporting my claim that this repossession remark is erroneous.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, you are required to ensure the accuracy of all information on my credit report. By keeping this inaccurate repossession information on my report, your agency is not fulfilling its legal duty. I request that you remove this repossession remark promptly to maintain the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MS

Complaint narrative:
On XX/XX/year> I purchased a XXXX gift card with {$500.00} loaded onto it. I have tried to make multiple purchases with the card, but they are all declined. This card has never worked, even though I activated as the company instructed. When I check the card status online, it states the card is active with {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: NV

Complaint narrative:
I am writing to request the immediate blocking and deletion of the accounts listed below, which appeared on my credit report without my authorization following a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting that these entries be removed to prevent further harm to my credit. 
Accounts : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$710.00} XXXX XXXX XXXX - XX/XX/XXXX - {$640.00} XXXX - XXXX - XX/XX/XXXX - {$610.00} XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$610.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$450.00}

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 2024-11-11 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: MN

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. 
Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX XXXX  has violated my rights. 
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 2024-11-11 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: MN

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. 
Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account name : XXXX  XXXX XXXXXXXX XXXX  # XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX  XXXX has violated my rights. 
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 explanation
Consumer complaint received 2024-11-11 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: AZ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX account 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 explanation
Consumer complaint received 2024-11-11 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: CA

Complaint narrative:
I am writing to request the immediate blocking and deletion of the following accounts and inquiries, which have appeared on my credit report as a result of a data breach. Under my rights pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of these items to safeguard my credit profile. 
Account : XXXX XXXX XXXX  - XXXX - XXXX - {$0.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX

Company response to consumer: Closed with explanation