vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
This letter is to remove inaccurate information AWA Collections account number : XXXX Amount : {$460.00} To whom it may concern I received a copy of my credit report and found the following items to be errors.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigatedand removed from my report it is my understanding that you will recheck these items with the creditor who has posted them. Please remove any items that can not be verified. I understand that under 15 U.S.C.sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter sincerelyXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Healthcare Finance Direct LLC.
State: AZ

Complaint narrative:
In XX/XX/XXXX, sometime in the middle of the month, my dog had another XXXX. Approximately, {$600.00} was put as a down payment. I signed a contract, like I've done in the past, which my payments went to the veterinary hospital. I didn't realize and wasn't told that my payments would be going to a finance company this time.On XX/XX/XXXX, I noticed I was overdrawn {$89.00}. Looking at my bank statement I noticed HFD had taken out four payments of {$190.00} which totaled up to {$780.00}. They emptied my bank account. I contacted my bank on XX/XX/XXXX and disputed the transactions. My bank put the money back in my account, but the following day the funds were taken out of my account again. I called my bank and filed a formal dispute, which could take up to 90 days. I also, put a stop payment on any attempts made by HFD. My bank also informed me to contact HFD and request that they delete my banking information from their system, which I did on XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX ; and was told each time that they couldn't to that. Except today XX/XX/XXXX, I was told they couldn't delete my information until I paid {$190.00} which was due XX/XX/XXXX. The contract stated that the automatic payment would be taken out on the XXXX XXXX XXXX XXXX. Today, I told them they had emptied my bank account and I didn't have my rent or car payment and I surely didn't have their payment because of their 4 back to back withdrawls from my account. I've requested to talk to a manager each time and was told each time one was not available,, I'm still waiting for a call back from 2 weeks ago from a manager. They put me in a huge financial bind to where I don't have any money for food even. I've repeatly asked them to take my banking information out of their system and I would make other payment arrangements. I haven't received any past due noticres or any attempts ( until this happened ) to collect any past due amounts. How can they take 4 payments out at one time when it was a once a month payment due on the XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I opened an account with Citi Bank at a XXXX XXXX branch. Everything went well until my business activities started happening. We own a XXXX store that sells pet products and receives deposit from sales everyday. We also received a working XXXX XXXX from XXXX XXXX on XX/XX/XXXX. That same day I went online and scheduled some wire transfers to a XXXX  account under my name to pay my rent and some other bills. Citi Bank locked my account and asked me to go into the branch when I called to ask whats going on. I went to three different branches and they all told me they cant help me.

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 2025-02-03 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: OK

Complaint narrative:
Re : Complaint Regarding XXXX Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself.

Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent.

Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud.

Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data.

Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach.

Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security.

Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq.

6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data.

Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures.

Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: GA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issues aligns with the recent CFRB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I am filing this complaint because XXXX has reinserted a previously deleted collection account from XXXX  XXXX XXXX without proper notification, in violation of the Fair Credit Reporting Act ( FCRA ). Additionally, XXXX XXXX XXXX is reporting inaccurate account information, potentially re-aging the debt, and failing to provide proper debt validation, in violation of the Fair Debt Collection Practices Act ( FDCPA ) FCRA Violation Unauthorized Reinsertion of Deleted Debt ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) ) This collection account from XXXX XXXX XXXX was previously disputed and removed from my credit report. 
XXXX reinserted this account without providing me a written notice within 5 business days, which is required by law.

If a previously deleted account is reinserted, the credit bureau must notify the consumer. XXXX has failed to do so. Furthermore, I requested debt validation from XXXX XXXX XXXX, but they failed to provide documentation proving that I owe this debt or that they have the legal right to collect it.

Under the FDCPA, a debt collector must stop collection efforts if they can not validate the debtyet XXXX XXXX XXXX continues to report this debt. 
5. FDCPA Violation Attempting to Collect a Debt Without Legal Authority ( 15 U.S.C. 1692e ( 2 ) ( A ) ) If XXXX XXXX XXXX does not have a valid contract or assignment from XXXX, they can not legally collect or report this debt.

They have failed to show any proof that they have the right to collect on this account.

Requested Resolution :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Consumer XXXX XXXX XXXX  Consumer XXXX : XX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : XXXX ; Under the Account Number : XXXX ; Opened On : XX/XX/XXXX ; DEPT OF ED/XXXX  ; Under the Account Number : XXXX ; Opened On : XX/XX/XXXX ( REMOVE IMMEDIATELY ). These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX Attached below are supporting documents -A Letter formally detailing the information of my dispute and stating consumer laws -A Fraud Affidavit -Copy of US Issued ID ( Proof of Identity ) -Copy of SSN -FTC ( Federal Trade Commission ) Identity Theft 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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX Charged Off a Credit Card Debt in XX/XX/XXXX. I have requested XXXX  XXXX to send me a 1099 C for the Charge Off Cancellation of or Forgiveness of Debt in Accordance with Internal Revenue Service Publication 4681 and the 1099C Form provisions for the cancellation of the Debt. I have sent correspondence on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As of this Filing I have not received any forms for the filing of personal taxes. 

XXXX XXXX has turned the account over to XXXX XXXX XXXX XXXX and debt collection company. XXXX XXXX XXXX  has sued me and has been granted a verdict. Unfortunately, XXXX XXXX XXXX  should know or should have known of XXXX XXXXXXXX fiduciary responsibility. 

Now XXXX XXXX XXXX is attempting to garnish my wages.

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX Charged Off a Credit Card Debt in XX/XX/XXXX. I have requested XXXX XXXXXXXX to send me a 1099 C for the Charge Off Cancellation of or Forgiveness of Debt in Accordance with Internal Revenue Service Publication 4681 and the XXXX Form provisions for the cancellation of the Debt. I have sent correspondence on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As of this Filing I have not received any forms for the filing of personal taxes. 

XXXX XXXX has turned the account over to XXXX and XXXX, XXXX and debt collection company. XXXX and XXXX has sued me and has been granted a verdict. Unfortunately, XXXX and XXXX should know or should have known of XXXX XXXX fiduciary responsibility. 

Now XXXX and XXXX is attempting to garnish my wages.

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 2025-02-03 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: VA

Complaint narrative:
XXXX XXXX Charged Off a Credit Card Debt in XX/XX/XXXX. I have requested XXXX XXXX to send me a 1099 C for the Charge Off Cancellation of or Forgiveness of Debt in Accordance with Internal Revenue Service Publication 4681 and the 1099C Form provisions for the cancellation of the Debt. I have sent correspondence on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As of this Filing I have not received any forms for the filing of personal taxes. 

XXXX XXXX has turned the account over to XXXX and XXXX, XXXX and debt collection company. XXXX and XXXX has sued me and has been granted a verdict. Unfortunately, XXXX and XXXX should know or should have known of XXXX XXXXXXXX fiduciary responsibility. 

Now XXXX and XXXX is attempting to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Experian for reporting inaccurate information on my credit report. Specifically, Experian has continued to report disputed accounts from XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, and XXXX for over seven years, despite my repeated disputes and requests for verification. 

Under the doctrine of estoppel by silence, as established in XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of these alleged debts exists, nor do the debts themselves, since neither XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX, nor Experian have provided any valid documentation supporting their existence. 

XXXX continued reporting of these accounts without proper verification violates my rights under the Fair Credit Reporting Act ( FCRA ). I request that the CFPB investigate this matter and require Experian to either provide definitive proof of the debts validity or remove the inaccurate information from my credit report immediately. 

Please confirm receipt of this complaint and inform me of the next steps in the investigation.

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 2025-02-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: McManamy, McLeod, Heller, LLC
State: PA

Complaint narrative:
XXXX, 2024 XXXX XXXX XXXX, XXXX failed to discontinue my utility services despite charging exorbitant fees as the closing attorney. I have tried unsuccessfully to reach out to the utility authority, transaction coordinator, and settlement agent to no avail. I have exhausted all possible measures to correct the billing error.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: Certegy Holdings, LLC
State: NV

Complaint narrative:
XXXX uses a third party service called Certegy to cash payroll checks and was declined XXXX times and do not understand why upon meeting all criteria. And was given a receipt to call Certegy for an explanation for the declined transactions. I requested a file report from the company and it records show no outstanding balances. 

All declines were coded XXXX with an explanation below corresponding to the number that read : This transction received a decline recommendation from Certegy because it did not meet the acceptance guidelines, which may vary by check cashing locatioin and transaction. Factors may include a combination of : the check number, dollar amount, check cashing history, or other transaction details.

I attached the check below for {$650.00}, along with receipts to call Certegy for an explanation. As you can see my check met all criteria and it was rejected for cashing. I didn't make a copy of the other additional check from XXXX for {$440.00}, because I was able to cash it elsewhere without any issues or problems. And it included the exact same information and was rejected as well. 

There was a stipulation that stated a check may declined due to check cashing history. As you can see I was able to cash a check without any problems at XXXX using Certegy on XX/XX/XXXX, for {$270.00} proving check cashing history. I met all criteria and was declined and would like to know why Certegy isn't honoring their policy regarding guidelines and stipulation in order to cash a check? I'm not satisfied with their answer by telephone on XX/XX/XXXX, as I was quoted the same stipulation outlined in the Certegy report with code XXXX. 

If there is an illegal hold on my account preventing XXXX from cashing my checks. I ask that Certegy uplift it with assistance from CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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 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

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