vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XX/XX/XXXX A charge appeared on my credit card for {$350.00} in XXXX XXXX and {$5100.00} was transferred out of my checking account. All that was taken care of by Navy Federal Credit Union. My account was on hold for XXXX hours. 
XX/XX/XXXX After XXXX hours I changed my password and XXXX minutes later I received a call from Navy Federal asking me if I knew a person by the name of XXXX. When I said, " no '' he said well he tried to take {$500.00} out of your checking account. I was put on hold for XXXX minutes while the rep was talking to the Fraud Dept. When he came back on the line he asked me if I had just deposited {$10000.00} into my account. When I replied, " no '' he said it was a fraud deposit and I had to transfer the {$10000.00} to XXXX XXXX, the Fraud Manager. I did as instructed. 
XX/XX/XXXX I checked my Navy Federal Account and found out a personal loan was taken out in my name for {$10000.00}. I immediately call Navy Fed and they had me fill out paperwork to prove it was a scam. The IP address on the loan application was from XXXX, XXXX  and I live in XXXX 
XX/XX/XXXX Received a letter from Navy Fed saying they denied the claim and I was responsible for personal loan. When I called the credit union, I was accused of being complicit in the scam and I was spoken to in an extremely rude and condescending manner. I have been a member there for over XXXX years, now I am being accused of being complicit in the scam. 
XX/XX/XXXX I went into a Navy Federal Branch in XXXX, XXXX  and a young man filled out all the paperwork and took all my documentation and sent it to the fraud unit. He said it definitely was a scam and when he called the Fraud Unit they agreed with him. Since then I have called Navy Federal and gotten the run around with no answers to this scam. 
XX/XX/XXXX I was told claim had not been assigned yet. 
XX/XX/XXXX XXXX first told me XXXX appeal denied, then said he made a mistake and they were still looking into it. Had me send him all the information again. 
XX/XX/XXXX I was told that they did not receive any documentation and now to resubmit it, which I did immediately. I was also told I had to pay the scam loan, first payment was due XX/XX/XXXX, or I would be sent to the collection agency. 
XX/XX/XXXX It has now been almost XXXX weeks with no action from Navy Federal except the run around. Every time I call I get a different person with a different answer. When the fraud loan was taken out my credit score went XXXX  XXXX points from XXXX to XXXX. I have now had to make a payment on that scam loan or it would drop even farther and I would be sent to a collection agency. I am very close to hiring an attorney to sue Navy Federal at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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 that payments on this account are made on time, never allowing them to be overdue. However, I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, these should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I got a XXXX dollar credit card in XXXX to help with XXXX purchases. 
I made some online purchases. 
They never sent me a paper bill. 
They have the wrong email address for me. 
The first I found that i owed them money currently was when i went through XXXX XXXX to find out that they want XXXX dollars from me and it is past due. 

I called up and my husband offered to immediately pay them the credit card limit of {$300.00} if they would remove all of the extra fees and report that it was their error that it was not paid on time. As they did not send a paper bill and had the wrong email address and never verified any way for them to get ahold of me. 

Their supervisor XXXX XXXX XXXX refused to discuss it with my husband even though i was on the line on speaker and repeatedly told him that i gave them permission and my husband had my power of attorney for this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: INDEPENDENCE HOME LOANS LLC
State: GA

Complaint narrative:
Independence Home Loans, XXXXXXXX XXXX XXXX XXXXXXXX based in XXXX AZ has been sending me misleading communications which at this point constitute harassment. They send out alarming mailers which imply I'm late for a payment on my mortgage, while their fine print suggests they are trying to get me to refinance out of my VA loan in Georgia. I have called this company four times to demand they cease communication, and they have promised me each time on the phone that they would stop, however, they continue to send me alarming notices in the mail which, when opened, are misleading solicitations which are a hair 's width away from impersonating the VA. They are unwilling to stop communicating with me despite repeated attempts on my behalf for them to stop calling/ mailing me. It says VA Loan all over their literature many different times, with a small fine print disclaimer at the bottom which altogether gives the impression that they ARE affiliated with the VA. This is predatory behavior targeting older citizens.

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 2024-05-14 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: FL

Complaint narrative:
TransUnion XXXX XXXX continue to report incorrect information on my consumer report. My name and address is incorrectly reporting and I previously disputed this same information and they stated they remove it but I paid for a copy of my consumer report and the information still appears on the report. I have provided proof of my identity and residency to prove this information should not be reporting on my consumer report. 

TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2024-05-14 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:
FCRA 605B, I believe, mandates the removal of any erroneous accounts from my credit report. Could you verify the documents? Several of the listed accounts contain inaccuracies in terms of reporting, including inaccurate amounts and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Bilateral Credit Corp, LLC
State: AZ

Complaint narrative:
An entity self-described as a collection ( -Bilateral Credit Co- ) agency has injuriously and unlawfully continued to defame me and damage my ability to buy a home or otherwise receive favorable interest rates on loans or otherwise harmed my reputation by continuing to submit inaccurate information to the credit bureaus indicating that they own a debt against me. 

This alleged collection against me has on numerous occasions already been removed after submission of documents including an FTC affidavit and a police report and an identity theft federal case number document demonstrating that this debt is not mine and I am not responsible for it. However, this agency continues to publicize that they hold a negative debt entry on my credit report against me. 

This company has knowledge that this debt is not mine but continues to slander and harm me by continuing false allegation against me as a means to fraudulently extort monies from me by way of fraudulent publication.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: MS

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX my account was sold to Cavalry Portfolio Services. I did not sign up for this service. This company is reporting on my credit report. 

I do not have a contract with them. 

Please help me remove this collection agency from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: GA

Complaint narrative:
The companys XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX  ) did not address the issues of opting out per the Fair Credit Reporting Act, The privacy act of 1974 or 15 USC 6801 B. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. 

XXXX has stated that they submitted for removal of the account in a previous complaint. 

I gave no written instructions allowing this report to be made. No options to opt out were given to me. I have told them multiple times i wish to opt out of their reporting. XXXX, Equifax, and XXXX have also failed to delete the accounts of the report. 
" ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom. '' 16 CFR 313 313.7 " Form of opt out notice to consumers ; opt out methods.

( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.

( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. '' And as a collection agency, the certificate of in-debtness has turned that account into one that is reporting income. Income can not be reported to a credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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: GA

Complaint narrative:
The companys XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX  ) did not address the issues of opting out per the Fair Credit Reporting Act, The privacy act of 1974 or 15 USC 6801 B. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. 

XXXX has stated that they submitted for removal of the account in a previous complaint. 

I gave no written instructions allowing this report to be made. No options to opt out were given to me. I have told them multiple times i wish to opt out of their reporting. XXXX, XXXX, and Experian have also failed to delete the accounts of the report. 

" ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom. '' 16 CFR 313 313.7 " Form of opt out notice to consumers ; opt out methods.

( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.

( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. '' And as a collection agency, the certificate of in-debtness has turned that account into one that is reporting income. Income can not be reported to a credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Hello, This is the third claim I have filed with the CFPB to address an issue that should have been resolved almost a year ago. 

Twice you have responded to me, acknowledging the error on your end in your CFPB statements, but I have never received the check for {$120.00}. 

I received a letter dated XX/XX/year>, stating that the bank would forward me the check " upon verification of the correct dollar amount, '' which, for some unknown reason, fails to be verified. I've seen such dismissive messages from you before. 

I demand that XXXX, who does not provide his last name in official responses, or another Executive Customer Relations representative in charge, facilitate and ensure that he or she sees the actual check leave your facility and provides me with an actual reason why this has not been done before. 

I want you to go to the department that declines to send me the check and demand a comprehensive description of the cause of such negligent behavior towards me. 

Stop messing with me. Either give me what is obviously owed or provide a reason why it's not 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 2024-05-14 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: CA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/year> I pulled a copy of my credit report and noticed a Bank of America credit card with a balance of {$9400.00}. I haven't made any purchased in years and should have a XXXX balance. I called the bank, and they wouldn't give me any information stating that they couldn't authenticate my account because of a phone number. The phone number they had belonged to my XXXX XXXX XXXX XXXX XXXX XXXX, but she is the one I suspect of making these fraudulent charges without my permission. The bank told mt to go into a local branch with two pieces of ID but the above XXXX took all my personal belonging as we as my wallet so I'm in the proce4ss of getting them replaced but have future appointments with the DMV and social security office.

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 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I received a notice from you saying the disputed accounts listed below were verified and since all THREE ( XXXX ) credit reporting agencies are reporting different information regarding these accounts, I would like to know what you verified, what you modified. PLEASE SEND ME A DESCRIPTION OF WHAT YOU VERIFIED AND MODIFIED? And the procedure of the investigation. This will be EXHIBIT XXXX ( XXXX in XXXX report will be Exhibit XXXX ) If you are unable to provide this information, please DELETE/REMOVE and block disputed items from my file immediately. I intend to file an FCRA claim in federal court and with the CFPB pending you response to my request. 
XXXX. XXXX XXXX XXXX XXXX # XXXX inaccurate please delete XXXX. XXXX XXXX XXXX # XXXX inaccurate please delete XXXX. XXXX XXXX XXXX # XXXX inaccurate please delete XXXX. XXXX XXXX XXXX # XXXX inaccurate AND XXXX XXXX XXXX XXXX REPORT please delete. THE SAME ACCOUNT REPORTING XXXX ON CREDIT REPORT please delete XXXX. XXXX XXXX  # XXXX inaccurate please delete XXXX. XXXX XXXX XXXX inaccurate please delete XXXX. XXXX XXXX XXXXXXXX inaccurate please delete XXXX. XXXX XXXX XXXX  XXXX SAME ACCOUNT please delete XXXX. XXXX XXXX SAME ACCOUNT please delete XXXX. XXXX XXXX XXXXXXXX SAME ACCOUNT please delete XXXX. XXXX XXXX XXXX Same Account please delete

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 2024-05-14 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: UT

Complaint narrative:
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Fair Credit Reporting Act ( FCRA ) emphasizes the importance of consumer reporting agencies acting fairly, impartially, and respecting consumers privacy rights. Equifax and XXXX fall into this category, and as a consumer, I have the right to protect my private information. The FCRA ( 15 USC 6801 ) also places an obligation on financial institutions to safeguard customer privacy and confidentiality. 

According to 15 USC 1681 section 604a ( 2 ), consumer reporting agencies can only provide consumer reports with the written consent of the consumer. Neither Equifax nor XXXX, nor the entities furnishing information to credit agencies, have obtained my consentwhether verbal, written, or implied. 

Furthermore, 15 USC 6802 ( b ) ( c ) requires financial institutions to inform consumers about their right to prevent the disclosure of nonpublic personal information to third parties. However, I was never informed of this option by the entity providing information to credit agencies. 

Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in consumer reports without proper authorization. Equifax and XXXX compliance with this provision is questionable. Similarly, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies.

Lastly, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to prevent violations of the FCRA. Unfortunately, it appears that Equifax and XXXX may not be fulfilling this requirement. 

In summary, Equifax and XXXX actions appear to violate various provisions of the Fair Credit Reporting Act and related regulations. As a result, I am opting out of their reporting services.

Company response to consumer: Closed with non-monetary relief