vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-18 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: DISCOVER BANK
State: KY

Complaint narrative:
I am writing to file a formal complaint regarding the ongoing and egregious violations of my consumer rights by XXXX, XXXX, and XXXX. Upon reviewing my credit report, I have discovered numerous instances of personal information being reported without my consent, including fraudulent accounts, unauthorized addresses, incorrect names, and inaccurate dates of birth. Despite my repeated attempts to rectify these issues by reporting them to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the respective credit reporting agencies on more than five occasions, the problem persists. Each time I bring these matters to the attention of the relevant authorities and companies, temporary remedies are applied, only for the same inaccuracies to resurface on my credit report shortly thereafter. 
This pattern of behavior has not only caused undue stress and inconvenience but has also put my financial well-being and personal security at risk. It is unacceptable that these companies continue to disregard my rights as a consumer and fail to uphold their obligations under the Fair Credit Reporting Act ( FCRA ). 
Attached to this correspondence, you will find documentation supporting the validity of my claims. the Consumer Financial Protection Bureau ( CFPB ), and the respective credit reporting agencies on more than five occasions, the problem persists. Each time I bring these matters to the attention of the relevant authorities and companies, temporary remedies are applied, only for the same inaccuracies to resurface on my credit report shortly thereafter. 
This pattern of behavior has not only caused undue stress and inconvenience but has also put my financial well-being and personal security at risk. It is unacceptable that these companies continue to disregard my rights as a consumer and fail to uphold their obligations under the Fair Credit Reporting Act ( FCRA ). 
Attached to this correspondence, you will find documentation supporting the validity of my claims, including correspondence with the aforementioned agencies and evidence of the recurring inaccuracies on my credit report. I urge you to take immediate action to address these issues and ensure that my consumer rights are upheld. I expect a prompt and thorough investigation into this matter, as well as the implementation of measures to prevent similar occurrences in the future. Thank you for your attention to this matter. I look forward to your timely response and resolution of these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I believe FCRA 605B says we must take out wrong accounts from my credit report. Can you check the papers? Some accounts listed have wrong reporting, like the wrong amount and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please remove these inquiries. I have no knowledge of them, and the company did not seek my consent for them.Please eliminate these inquiries. I am unaware of them, and the company undertook them without my permission.Kindly delete these inquiries. They were conducted without my knowledge or consent by the company.

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 2024-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
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've consistently made sure payments are on time for this account, preventing any overdue charges. I'm puzzled by reports of late payments on my accounts and uncertain about the cause. According to 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have always made sure that payments on this account are made promptly, ensuring that they are never overdue. However, I am unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

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 2024-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I've always made sure payments on this account are timely, never allowing them to become overdue. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. Under 15 USC 1666b - Billing Error, corrections should be made.

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 2024-04-18 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXXXXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/year> XXXX 15 U.S.C 1681 section 602 A. 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that XXXX, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts.

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness.

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts.

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2024-04-18 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:
I assert that by law, the transactions referenced in my consumer report were not made by me. I categorically deny providing written consent to the companies involved to report or furnish any information pertaining to these transactions on my consumer report. It is my legal right to ensure the accuracy and integrity of my consumer report, and I request that the appropriate actions be taken to rectify this matter promptly.

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 2024-04-18 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: NJ

Complaint narrative:
I assert that by law, the transactions referenced in my consumer report were not made by me. I categorically deny providing written consent to the companies involved to report or furnish any information pertaining to these transactions on my consumer report. It is my legal right to ensure the accuracy and integrity of my consumer report, and I request that the appropriate actions be taken to rectify this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Tansferred money via ACH from XXXX  XXXX XXXX checking account to Navy FCU checking account on XX/XX/2023 for USD XXXX. 
XXXX XXXX XXXXXXXX provided the confirmartion number and both the debit and credit trace numbers. Navy FCU claimed they could not trace the transcation in there system. it been going on bouncing between the two banking institutions. 

Asked XXXX  XXXX XXXX to track and refund the amount, When XXXX  talked to Navy, Navy claimed there was insufficient funds to warrant a refund of the same amount from the Account in Navy, yet on the other hand Navy claims the amiunt never reached? 

Form XXXX  XXXX XXXX, it shows that the money did leave the account while on the Navy FCU side there is no money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: IL

Complaint narrative:
Kindly ensure the elimination of these erroneous accounts from my credit report as per FCRA 605B. It is imperative that these inaccuracies are addressed without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bridge IT, Inc.
State: TX

Complaint narrative:
I am writing to address a concerning issue regarding unauthorized withdrawals from my account with Brigit, My account was canceled on XX/XX/XXXX, and yet I have noticed subsequent withdrawals from my account, which is a direct violation of my customer rights. 

On XXXX XXXX, XXXX, I formally canceled my application with Brigit. Per the terms and conditions outlined during the cancellation process, there should have been no further transactions or withdrawals from my account. However, upon reviewing my recent bank statements, I have discovered that withdrawals have continued to be processed even after the cancellation. 

I am deeply concerned about this discrepancy and request an immediate investigation into the matter. I expect a prompt resolution and reimbursement for any unauthorized withdrawals made from my account since the cancellation date. 

Please provide me with a detailed explanation of why these withdrawals occurred despite the cancellation of my account. Additionally, I would appreciate it if you could confirm that no further withdrawals will be processed and that my account has been completely terminated. 

I expect a response to this dispute within XXXX business days from the date of this letter. I want a refund of the charges placed on my account after this date. Failure to address this matter promptly will result in further escalation of this issue. 

Thank you for your attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: AZ

Complaint narrative:
Ive made multiple call and attempts to report my payments to the credit bureau. The last attempt was XXXX. No resolution. I have made nine payments on time on this loan.

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 2024-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANKMOBILE TECHNOLOGIES, INC
State: MA

Complaint narrative:
I have a higher interest online checking account i had been using as a savings vehicle. I had it also auto paying my cell phone bill. I closed that cell phone account final bill deducted on XX/XX/year> and had not used that account since. I logged in on XX/XX/year> and discovered XXXX different fraudulent charges as follows : XX/XX/XXXX XXXX point of sale $ XXXX XXXX XXXX point of sale $ XXXX XX/XX/XXXX XXXX point of sale $ XXXX XX/XX/XXXX XXXX point of sale $ XXXX XX/XX/XXXX XXXX point of sale $ XXXX I was issued " provisional credit '' pending a bank investigation. I faxed the claim written statement for each charge as requested. It took multiple faxes and also multiple uploads through the banks app to get acknowledgement as I was sent multiple emails after sending by fax and upload stating they had not received the statements. I requested contact info for each merchant and the first XXXX were both reached through XXXX number claiming to ba a third party biller for both " companies '' and was able to get promise of credit for the first XXXX fraudulent charges in this list, I received only credit for the {$190.00} and the other numbers were ut of service. XXXX XXXX XXXX is the " bank '' part of Customers bank i believe.

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 2024-04-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CATHAY BANK
State: CA

Complaint narrative:
On XX/XX/XXXX, I met with XXXX XXXX XXXX, the Assistant to the Vice President & Branch Manager ( XXXX XXXX  XXXX ) of Cathay Bank, at the XXXX XXXX XXXX, formerly a tea house. 
He expressed his unease with his colleagues due to their illicit conduct, leading to his resignation from the bank. He advised me to move the assets linked to the aforementioned XXXX CDs from Cathay Bank to XXXX XXXX XXXX for more favorable terms. 

XXXX conveyed instructions to me through written correspondence on how to approach the withdrawal of funds from Cathay Bank. The correspondence read as follows : " Hi XXXX, when you go to Cathay bank today. Please don't tell them that you are taking the money to XXXX XXXX XXXX. Thank you Just say you got a better rate with a credit union XXXX XXXX revealed a culture of deception at Cathay Banks XXXX branch, where inaccurate information was provided to clients. Employees were found to be concealing their wrongdoing in their interactions with customers. 

XXXX XXXX disclosed a pattern of deceit prevailing among the staff at Cathay Banks XXXX branch, where erroneous information was being propagated to clientele. The employees habitually masking their misdeeds in their dealings with customers. 
Additionally, XXXX XXXX also highlighted that XXXX XXXX XXXX XXXX and XXXX XXXX XXXX both misguided me into forgoing the promotional rate of XXXX XXXX APY for a three-year term on XX/XX/XXXX, when I upgraded the new promotional rate for the XXXX CDs of my family. XXXX XXXX XXXX XXXX informed me that the promotional rate for the XXXX XXXX XXXX of XXXX would be XXXX XXXX APY for three years, and the bank manager, XXXX XXXX XXXX, likewise confirmed the promotional rate for XXXX to be XXXX XXXX for three years. However, they were deceiving me. Because the actual rate for the year XXXX was XXXX XXXX for a single year. 
Cathay Banks XXXX branch has acknowledged about the consumers financial loss due to their faults. But the bank has continued refusing to compensate the damage for their consumers. Cathay Banks investigation is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
This complaint is about Bridgecrest, an auto loan company. The car was totaled back in the beginning of 2019. I advised them of this with zero response. After waiting I applied for housing and was told this was on my credit in the amount of {$14000.00}. I was never advised of this nor received any sort of communication expressing the debt or that it was going to collections. I never had anyone reach out to me whether it be through phone or email or sending correspondence. Many people I know have been through this with the same company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: TN

Complaint narrative:
After reviewing my XXXX, XXXX and Equifax credit reports, I have identified some inaccurate late payments that needs reporting and correction through your company. Please see attachments below.

Company response to consumer: Closed with non-monetary relief