vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I received as notice from Truist bank that I was charged {$100.00} for overdraft fees, because 3 items went through on that day, and I was charged {$36.00} each time an item went through. My salary went through on the XX/XX/XXXX. 
I went to the branch on XX/XX/XXXX and the representatives tried to reverse the charges but said that they were not able to do it because of a new system. They called the customer service help line, but they were not able to reverse the charges either. The officer updated my account so that I could get alerts before the charges went through in the future. I was not aware that the bank offered this service. I have been a costumer with Suntrust/Truist for about 19 years. I wrote the email below to XXXX XXXX, the president of Truist Good afternoon XXXX XXXX, I hope you had a great holiday. I was having one of my best XXXX  until I woke up this morning and found {$100.00} withdrawn from my account in one day for overdraft fees. I got paid today- Friday ( even though everyone in my company got paid on Wednesday or Thursday through their banks ) and was not aware of the overdraft until I was charged three times a few minutes before my pay was posted.

This will cause me considerable hardship, as I will not be able to pay some of my bills. I have also made several requests to the bank to not put through charges if there is no money as I simply can not afford these charges. I am asking you to take pity on me, an educator who makes very little money and reverse the charges. I will go ahead and stop all payments from this account so that this does not happen again.

Thank you for your understanding.

I got a phone response from a XXXX XXXX who explained that the bank use to take 6 overdraft charges in one day but has now reduced it to 3. She was very sympathetic but said that the system will not allow the employees to reverse the charges and that she was going to put in a claim to their compliance department. She said this was an internal investigation and that I would not hear from them, so my unresolved case was closed.

I believe these charges should be reversed because 1. I did not authorize the bank to pay bills if there were insufficient funds 2. I was not made aware via an alert, text or email that my account was going in overdraft so that I could make changes 3.My salary was posted minutes after the overdraft occurred 4. The overdraft was excessive 5. There should be some concessions for loyal costumers 6. I will not be able to meet my monthly bills

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 2025-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: AR

Complaint narrative:
I am disputing the collection account with APPLE CARD/GS BANK USA XXXX account number XXXX dated XX/XX/year>, with a balance of {$2800.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX XXXX XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
During the month of XXXX I received a letter dated XX/XX/year> from a company called Resurgent Capital Services stating that an account in the amount of XXXX allegedly belonging to me was sold on XX/XX/year> and the new owner is LVNV Funding LLC and that effective XX/XX/year> LVNV Funding LLC placed the account with resurgent Capital Services L.P. for servicing. The letter states that I allegedly had an account with a company called XXXX XXXX, but I have never done business with such a company and the debt collection company that is reflecting on my credit report is claiming that they are the original creditor. On XX/XX/year> I sent to the company Resurgent Capital Services a validation of debt request letter pursuant 15 USC 1692g. This company has not provided any substantial legal proof that I owe them and yet they are reporting false and in accurate information to all three credit reporting agencies thus negatively impacting my financial reputation and character. I request that this false and inaccurate account be removed immediately from all three credit reporting agencies concerning my personal credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
After reviewing my credit report, I have discovered items that I do not recognize or applied for. Upon further investigation, I realized my personal information was exposed in serval data breaches as well. I have no recollection of applying for any of the accounts in question. Pre section 15 USC 1681 C-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days.

I have not supplied proof under the doctrine of estopper by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: First Technology Federal Credit Union
State: NJ

Complaint narrative:
I received emails from First Tech Federal Credit Union that " my '' statement was available for viewing. I have NO accounts with this institution. I called their customer service number. I spoke with an agent who said he could not disclose any information without me providing my full SSN. I asked what type of accounts were opened. He would not provide that without my full SSN. Whereas I had not opened the accounts and feel this is a fraud situation, I did not want to disclose the full SSN. I offered to provide the last four numbers but he demanded the full SSN. I asked for a supervisor. She took the partial and indicated I need to complete a fraud report form. I asked about the accounts that were opened, her replay the fraud department would be the only ones to supply that. She forward the required form. I required my full SSN, my DOB, the length of time I have lived in my home, my driver 's license number, a copy of my driver 's license or passport. I attempted to provide only the last 4 of the but not the driver 's license number or copy of the license or the exact amount of time I have lived in my home. The docusign form would not allow the form to be submitted without all of that information. Thus, I can not get the account closed or find out what was opened in this identity theft situation.

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 2025-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
Wallet was stolen with SSC and ID, multiple accounts have been opened in my name as well as the culprit racking up speeding tickets, that has been resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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 was a victim of the Equifax Data Breach and my personal information was compromised due to this company lack of data security the accounts below need to be deleted from my credit profile immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: SC

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 non-monetary relief
Consumer complaint received 2025-01-05 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: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 2025-01-05 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: MI

Complaint narrative:
XX/XX/year> I sent a letter to the courthouse asking do they report bankruptcy to the credit bureaus and I got a letter stating, they do not report any bankruptcies to any body, then I sent a email to pacer, and asked them do they report to any of the credit bureaus and they stated, they dont report anything to the credit bureaus.

So if that is the case how did the credit bureaus edify my bankruptcy as100 % accurate.

They never did a fair investigation according to the 15 USC 1681 15 USC 1681 section 603 ( 3 ) ( E ) states that the Fair Credit Reporting Act ( FCRA ) requires users of consumer reports to be notified of their legal obligations. State law may impose additional requirements.

The FCRA, 15 U.S.C. 16811681y, governs access to consumer credit report records and promotes the accuracy, fairness, and privacy of personal information They also violated my rights numerous times.

The credit bureaus violated my right under 15 USC 1681.

According to : 15 USC 1681 section 602 A. I have a right to privacy.

According to : 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate See uploads for proofs

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 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently submitted a complaint about Equifax and it was in regards of a dispute. Its been over 30 days since that complaint to which they have responded that they needed proof of identity in order to process my dispute. I did however provide them with proof of identity in the attached. This is the complaint number XXXX. I called them a couple days ago to talk about the investigation results that I never received. They told me that they finished their investigation on the XXXX of XX/XX/year> and that the results were sent to me. I told them that I never received and and requested they resend it to me. They did not want to send me the results. I demand that they resend me the results as I have never received them in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I was a victim of identity yet this company has repeatedly failed to violate 15 U.S.C. 1681 et seq and continue to defame my credit report. They refuse to accept that this account was the result of the identity theft. This has prevented me from purchasing a home, this account was fraud yet the company keeps making excuses and deletes and re adds to my credit report. This has been reported as fraud for over two years yet they still refuse to delete this. Please have them stop violating my rights under 15 U.S.C. 1681 et seq. This is a federal offense and will be handled in federal civil court for the XXXX XXXX XXXX  in loan opportunities I missed resulting from this. They will not remove from my credit even after multiple supervisors stated it was cancelled and deleted as identity theft. They have refused to manually remove this as identity theft from all credit bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: FL

Complaint narrative:
According to my credit report, this account is showing charged off in the year XXXX. I am requesting the creditor to send me a copy of the Form XXXX, Cancellation of Debt form that you sent to the IRS. By law if an account is charged off you cant keep reporting it as late. This is fraud. I am requesting that this account be removed immediately. If the account is not removed, I have already sought out legal counsel and you can deal with them. 

XXXX XXXX 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 2025-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Zions Debt Holdings
State: MD

Complaint narrative:
Zion debt holdings, placed a collection on my credit report in late XXXX. Zion debt holdings advised by telephonic communication they were attempting to collect a debt for XXXX. I advised Zion debt holdings that I do not owe any debt to XXXX and that I filed XXXX  XXXX bankruptcy in XXXX and the bankruptcy was discharged in XXXX. I sent a debt validation letter to Zion debt holdings located aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have not received a response validating the debt. Zion debt holdings collection account appears on my credit report. Any attempt to collect on a discharged debt is illegal and they are legally prohibited from attempting to collect on it ; this means they can not contact me to demand payment, as the debt is considered null and void due to the bankruptcy discharge order, and any attempt to collect is considered a violation of the it is considered a violation of bankruptcy law and the Fair Debt Collection Practices Act ( FDCPA ).

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
Please be advised that I am disputing a collection that is reporting negative on my credit report. They are in violation according to the following codes. I am requesting this is removed from my report immediately. 
1 ) The collection agency has not provided valid information under 12 CFR 1006.34 ( b ) ( 5 ) but they placed a collection on my credit report.

2 ) I was not given a chance to dispute this account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) 3 ) The collection agency is violating my consumer rights by using misleading, misrepresenting, and deceptive information on my credit report.

4 ) The collection agency has no authority to furnish information to a consumer reporting agency without providing all disclosures required by law and they are in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Incorrect Address on Credit File Dear Experian, I am writing to formally dispute inaccurate information on my credit report. Specifically, the report lists the following addresses that do not belong to me. The incorrect addresses are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX, FL XXXX XXXX. XXXX, XXXX, FL XXXX This information is inaccurate because : XXXX XXXX XXXX  XXXXXXXX XXXX address is not consistent with the verifiable address registered with the United States Postal Service. It also includes a unit number for which I have never lived. 
XXXX XXXX XXXX FL XXXX address is one at which I have never lived. 
I request that these incorrect addresses be removed from my credit file immediately. 
To assist in the investigation, I have enclosed the following documents : 1. A photo from the United States Postal Service website which shows the correct registered address.

The following two federal laws outline the responsibility of the consumer reporting agency regarding the accuracy of a current report.

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please investigate this matter and correct the error promptly. I request written confirmation once the address has been updated. Additionally, if the investigation does not resolve the dispute in my favor, please provide a detailed explanation of your findings and a copy of the evidence used to support your decision. 
I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX Enclosures : Correct UP Postal Service Address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: Colony Brands, Inc.
State: GA

Complaint narrative:
I have XXXX accounts that. Do not belong to me on my credit report XXXX. And Montgomery ward. I've asked both companies to send me proof of me signing any paperwork. For my ID been used to open an account. Neither company has replied back to me with any of the information.

Company response to consumer: Closed with explanation