vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-12 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: LEXISNEXIS
State: MI

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.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I had been a member of Navy Federal Credit Union since XX/XX/XXXX and in XXXX I tried to make a deposit into my personal checking account along with my business checking account and could not. I am still able to log in on my app for both accounts but my balance is saying {$0.00}. I was never informed if either account had been overdrafted and or closed. I expected more correspondence especially since I opted in the overdraft protection plan. I have not been contacted by XXXX XXXX XXXX still to date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
NATIONAL CREDIT XXXX ( Original Creditor : XXXX  ) XXXX Collection {$1100.00} XXXX XXXX XXXX XXXX {$520.00} ' XXXX been disputing these XXXX debts for 3 months already and they havent fall off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: MD

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : Bankruptcy - XXXX - XX/XX/year> - {$00.00}

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 non-monetary relief
Consumer complaint received 2024-11-12 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: MD

Complaint narrative:
My credit report shows inquiries that I dont recognize nor I have applied to, and I never gave these companies permission to access my credit information. It feels really unfair to have my rights as a consumer violated, especially when its something so important to me. Life is already stressful enough without having to worry about unauthorized hits to my credit report. Protecting my financial security is crucial, and I really need these issues addressed.

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 2024-11-12 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: FIRST NATIONAL BANK OF OMAHA
State: NV

Complaint narrative:
I had an ex business partner that took out a lot of loans and credit cards in my name. I reported him to the police department. I have a police report. Ive submitted to the reporting companies as a collection on my file for {$14000.00} and its also a credit card for {$15000.00} under my name that I have no knowledge of it not my file is not my card. Its not my account and I need it removed off my credit report immediately.

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 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/year> XXXX I reached out to TD Finance about a auto loan inquiry for financing .I never received an adverse action letter from the company if the loan was approved or denied. 

I explained to them I wanted a copy of the notice. Also to make sure it was not a case of identity theft as my information has been subject to numerous data breaches. 
I would like to know the details of the loan application including the amount requested for the loan. 

They stated they no longer had the information. I explained to them that I believe that they are required to store that information and that I was within the time limit to request it. They continually told me to reach out to the dealer. Who by the way also is telling me they do not have documents I have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: GA

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.

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 XXXX 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 XXXX 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 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 2024-11-12 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: EQUIFAX, INC.
State: GA

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.

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 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 2024-11-12 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: NC

Complaint narrative:
Returned item fee XXXX XXXX Returned item fee XX/XX/year> Returned item fee XX/XX/year> Returned item fee XX/XX/year> Returned item fee XX/XX/year> Returned item check fee XXXX  In all of these dates I called the company and they took no action except to explain why it was overdraft. when I had money in my account I would try to pay a bill and they would hold it until I didnt have enough money in my account so I could get the overdraft fee

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 2024-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Arative Technologies LLC  (Bancoli)

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint regarding a missing funds transfer from my Bancoli account. I am a XXXX XXXX and have been a customer of Bancoli for more than 1 year. 

On XX/XX/XXXX, my client, XXXX XXXX ( an american based company ), transferred XXXX USD to my Bancoli account. Despite the successful transfer being confirmed by XXXX XXXX, I have been unable to access these funds. Bancoli, after weeks of complaining emails and followups has informed me that the funds were returned to the original sender, XXXX XXXX, however, my client has not received the refunded amount. I have requested details on this since XXXX XXXX Has not received the funds either. 

I have attached evidences on the original transaction from XXXX XXXX and the response from Bancoli, I have not heard back from them and they did not provide any email or escalation option.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: MT

Complaint narrative:
I made a payment to my XXXX card on XXXX mountain standard time which would make it XXXX eastern time. I made my payment on the due date. It shows on my statement that it was payed the XXXX it also shows that my late fee was posted the XXXX as well as an interest charge right before that. I called capital one to see about getting that XXXX late fee waved as I have never had one waved in the years Ive had them and about the fact that it showing on my end that it was sent in on the XXXX. The customer service I got from the supervisor was less than acceptable. Says that he is the highest person I can talk to and that if he cant resolve and situation then it doesnt get resolved. Hung up called again and said that I will be making a complaint with CFPB and somehow they were able to now wave the fee. This should not be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: MD

Complaint narrative:
I am writing to inform you that I am a victim of identity theft due to a recent data breach. As a result, a fraudulent bankruptcy entry has been added to my credit report without my authorization. In accordance with the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am formally requesting that you immediately block and delete the following bankruptcy entry from my credit file : Fraudulent Bankruptcy Entry : Bankruptcy Case Number : XXXX Date Filed : XX/XX/year> Balance : {$0.00}

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 2024-11-12 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: GA

Complaint narrative:
TRAFFICKING VICTIMS LETTER TO CONSUMER REPORTING AGENCIES Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, Georgia XXXX XXXX : XX/XX/XXXX SSN : XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX RE : Trafficking Block Request Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Collection Accounts XXXX XXXX XXXX XXXX XX/XX/XXXX {$830.00} XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$510.00} XXXX XXXX XXXX XX/XX/XXXX {$720.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$970.00} XXXX & XXXX XXXX XX/XX/XXXX {$140.00} Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Numbers XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Inquiries 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  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Repossrting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX [ email address XXXX Enclosures : Proof of identity A copy of driver 's license Trafficking documentation o A self-attestation that you I am a victim

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 2024-11-12 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: OneMain Finance Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX I received my statement for my OneMain Financial Brightway credit card. 
I had previously called them on XX/XX/XXXX to report my card as lost with pending charges unknown. The last time I used my card was on XX/XX/XXXX at XXXX XXXX XXXX XXXX in XXXX for XXXX purchases. 

After my credit card statement was available on XX/XX/XXXX, I sent OneMain Financial a letter listing all the transactions that were fraudulent and asked that they be disputed. They were multiple transactions made on XX/XX/XXXX and XX/XX/XXXX. 

As of XX/XX/XXXX, OneMain has not responded to my letters sent in XXXX to dispute these transactions that was sent to the address that is on my XXXX billing statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-12 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: MO

Complaint narrative:
I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
URGENT - Multiple Banking Law Violations DFS Complaint Reference # XXXX Timeline : XX/XX/year> : Capital One froze account without notice Current balance : - {$8800.00} XX/XX/year> : Spoke with Supervisor XXXX who : Refused emergency relief Only offered " Custom Letter '' in XXXX days Ignored exempt funds protections Legal Violations : Complete account freeze despite : Existing Income Withholding Order Pending {$3300.00} interstate transfer No advance notice provided No exemption claim process Protected Funds Violations : Failed to protect minimum {$3600.00} under XXXX No emergency hardship review Denied access to basic necessities Multiple simultaneous collection attempts Current Impact : No access to basic necessities Unable to buy food/water Can not pay rent/utilities No transportation funds Medical needs blocked Work transportation affected Resolution Attempts : Contacted Capital One XX/XX/year> Supervisor XXXX refused relief Filed XXXX XXXX Complaint XXXX XXXX Bank refused emergency funds release Documentation available : XXXX XXXX complaint DTF warrant Income Withholding Order Bank statements Account screenshots

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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 strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

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 2024-11-12 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: NY

Complaint narrative:
I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

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 2024-11-12 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: GA

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 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 and list of Inquiries XXXX 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 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 2024-11-12 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:
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 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  and list of Inquiries XXXX 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 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