vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-10 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : ) as XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : 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 explanation
Consumer complaint received 2024-11-10 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: IL

Complaint narrative:
Unfortunately I have been being charged for {$29.00} late fees XX/XX/year> charged {$29.00} XX/XX/year> charged {$29.00} XX/XX/year> charged {$29.00} XX/XX/year> charged {$29.00} XX/XX/year> charged {$29.00} I inquire about the charges that are constantly putting my account in negative and all I was told is it's mandatory to be charged but they only charge fee one time.

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 2024-11-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Robinhood has locked my account without providing any reason, leaving me unable to access or use my funds. I am also unable to withdraw the funds back to the original payment method from which the money was deposited. Despite my attempts to resolve this issue, I have received no assistance or explanation for the account lock.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX  Date : XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2024-11-10 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: MS

Complaint narrative:
This account was charged off on the following date ( XX/XX/2019 ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information talent manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my nights. I am demanding a deletion of the following account. 
XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I opened a Wells Fargo savings account completely online without speaking to a person a while back. I went to close the account a few months ago but to close they make you call in. I didnt have time and forgot about it. I logged on today to see they have been charging me a $ XXXX  monthly fee for the past 3 months! I had time today to call in and requested they give me those fees back since I didnt understand why I had to call in and close when I didnt need to call in to open. It seems like an additional hurdle for the customer in hopes they give up or forget like I did. They said they would give me {$10.00} back, but I would like all the fees back. There is no reason they need you to call in other than to make it harder to close an account.

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 monetary relief
Consumer complaint received 2024-11-10 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: PA

Complaint narrative:
I AM IN DISAGREEMENT WITH THE ACCOUNTS LISTED BELOW WHICH STILL APPEAR ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. I WOULD LIKE THIS IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE. THESE ACCOUNTS APPEAR TO BE OPENED WITH INACCUATE PERSONAL INFORMATION AND NOT MINES. 

EXPERIAN : XXXX  : ACCOUNT NUMBER XXXX EXPERIAN : XXXX : ACCOUNT NUMBER XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611. PLEASE PROVIED THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED ABOVE SO THAT I MAY FOLLOW UP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR 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 2024-11-10 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: CA

Complaint narrative:
I have a unauthorized and fraudulent account named XXXX XXXX XXXX  on my credit report and after disputing it multiple times with Transunion and making them aware of it being unauthorized Transunion continues to report this account on my credit report forcing me to be denied housing and also blocking my right to have a fair credit report with only accurate information

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 2024-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Southern Auto Finance Co
State: CA

Complaint narrative:
I went to XXXX in XXXX for a vehicle they sold me car that was not the car I wanted I put {$4000.00} down didnt even test drive the car the salesman kept harassing me for my down payment got in the car and brakes were bad the transmission was going out it needed oil change tune up. I took the car back the next day to have brakes done but wanted me to take it back to have the other things fixed, I shouldnt have to take my car back the next day if it was properly checked then I shouldnt have problems. I called them to let them know I was very ill and I was working less hours and it was during XXXX. I explained the situation they didnt care so I told them to come get there car bc they sold me a car that was junk. My vehicle was repossessed and now SAFCOis putting it as a charge off which messed up my credit now I cant even get another car bc of a charge off. I called SAFCO to work out making payments and they said either to give them the {$5000.00} or half of the amount and if I do that it still remains on my credit for XXXX yrs why am I going to pay it if they sold me a car that was breaking down and still remain on my credit as a charge off. Im looking at my credit score and they still trying to get me to pay and increasing my amount they should stop bc Im not going to pay if its going to remain on my credit even if I make arrangements and they refuse to lift the charge off if I make payments by increasing the amount is not going to help get payment they should stop increasing. Now Im trying to get another car and all dealerships dont want to help bc of the charge off and they say Im a high risk thats the only thing I have on my credit and I need a car I have money to put down and I cant bc of the charge off I only have XXXX repossession on my credit and I have went everywhere and I cant get a car bc of SAFCO giving me a reputation. Please I need some help to have them release that charge off to get another vehicle or I cant go to work bc XXXX is costing me a lot of money no work no money so how am I supposed to pay my bills. Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: DriveTime
State: GA

Complaint narrative:
DriveTime XXXX. 

Greetings Ref : Underwriting Department Im the Consumer that EXTENDED you CREDIT on XXXX. 
Your advertising XXXX down with approved credit? But I get to the end on the contract online application and it's ASKING FOR CASH Transaction? According to 15 U.S. Code 1611 your violating my rights to UNLIMITED CREDIT. You can not ask for CASH in a Consumer CREDIT TRANSACTION. If you don't EXTEND CREDIT then I RESCIND this CREDIT APPLICATION. Because I know it's an SECURITY INSTRUMENT, And the CREDIT was GIVEN, BUT I HAVE TO GIVE CASH TO GET IT. 
You have a DUTY AND OBLIGATION to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: LEXISNEXIS
State: OH

Complaint narrative:
Please remove this inaccurate data from my report as soon as possible. Please make the necessary corrections to my report as soon as possible. 15 USC $ Permissible purpose of consumer reports 1681b. 15 u.s.c. 1681a and 15 USC 1681. 15 USC 1692 K and 15 USC 1640 Civil liability. 15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. I have suffered damages as a result of the misrepresentation. As a result of Lexis Nexis violations of ( CFRA ). Please Delete false information from my consumer report immediately. 

XXXX XXXX suffered damages as a result of the misrepresentation. As a result of Lexis Nexis violations of Fair Credit Reporting Act ( CFRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2024-11-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
These hard inquiries don't belong to me and have not been authorized by me : XXXX XXXX XX/XX/year>. 
XXXX XXXX XX/XX/year>. 
XXXX  XXXX XXXX XX/XX/year>. 
XXXX XXXX XX/XX/year>. 
XXXX XXXX XXXX XX/XX/year>. 
XXXX XXXX XXXX XX/XX/year>. 
XXXX XXXX XX/XX/year> XXXX . 
XXXX XXXX XX/XX/year>. 
XXXX XXXX Via DealerXXXX XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: GA

Complaint narrative:
I am writing to formally dispute the accuracy of a charged-off account that appears on my credit report. The details of this account are as follows : Creditor : XXXX XXXX Account Number : XXXX Account Type : Revolving account ( Credit Card ) Bureau Code : Individual account Account Status : Closed Monthly Payment : {$0.00} Date Opened : XX/XX/year> Balance : {$8400.00} Under Section 611 of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that may be inaccurate, incomplete, or unverifiable. I am requesting that you conduct a thorough investigation of this account with XXXX XXXX  to verify its accuracy. If this account can not be fully verified with all required supporting documentation, please remove it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 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: GA

Complaint narrative:
I am writing to formally dispute the accuracy of a charged-off account that appears on my credit report. The details of this account are as follows : Creditor : XXXX XXXX Account Number : XXXX Account Type : Revolving account ( Credit Card ) Bureau Code : Individual account Account Status : Closed Monthly Payment : {$0.00} Date Opened : XX/XX/year> Balance : {$8400.00} Under Section 611 of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that may be inaccurate, incomplete, or unverifiable. I am requesting that you conduct a thorough investigation of this account with XXXX XXXX  to verify its accuracy. If this account can not be fully verified with all required supporting documentation, please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: PA

Complaint narrative:
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. 

Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: TX

Complaint narrative:
I have been aware of the odd practices of Navy Federal Credit Union, and have been victimized by their predatory overdraft fees, My accounts transactions are rearranged in a way that ALWAYS prevents me from knowing my true available balance. Keeping money in your savings disregards that! This credit union preys on XXXX Americans, and XXXX veterans squeezing our hard earned money from us through over draft fees and the days withholding of my person funds and creating an overdraft scenario, this cant be legal? For me personally my transaction history is never updated timely, but taking a week or more to process purchases and then draining my account after, then charging me {$29.00} repeatedly isnt just, and has happened to me multiple times. Also Navy federal deletes old messages so my instances I thought I could provided have since been deleted. Wonderful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my 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 explanation