vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 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: NV

Complaint narrative:
1. Background and Issue I am a victim of the Equifax data breach, which compromised my personal information, leading to unauthorized activity on my credit report. In response, I formally requested that Equifax block and delete fraudulent accounts and inquiries, as permitted by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681c-2 ( a ). Despite my detailed written request, Equifax has failed to take action to remove these accounts and inquiries from my credit report, exacerbating the harm caused by the data breach.

2. Details of Unauthorized Accounts and Inquiries I am requesting that Equifax bl
ock and delete the following items : Account : XXXX XXXX XXXX XXXX Account Number : XXXX Inquiries : XXXX ( dated XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( dated XX/XX/XXXX ) These items are the result of identity theft and are negatively impacting my credit report, adding further distress following the Equifax breach .

3. Equifaxs Failure to Act Equifax has not acted on my request, despite my citing the specific legal provision, 15 U.S.C. 1681c-2 ( a
), that mandates blocking and deletion of fraudulent items due to identity theft. This inaction leaves me vulnerable to potential financial loss, as the unauthorized accounts and inquiries can affect my creditworthiness and credit score. Equifaxs lack of response not only violates my rights under the FCRA but also breaches its duty to protect consumers whose data it failed to secure in the first place.

4. Request for CFPB Assistance I request that the CFPB intervene and compel Equifax to comply with my request to block and delete the fraudulent accounts and inquiries promptly. Equifax should be held accountable for : Addressing the accounts and inquiries resulting from the data breach and identity theft.

Providing written confirmation that these items have been blocked and deleted from my credit report.

Offering clear and timely communication regarding their actions taken in response to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: WV

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XX/XX/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
Consumer complaint received 2024-11-14 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: MI

Complaint narrative:
I made payment on credit card XXXX days later navy federal says that the money has been forgiven to the company but know XXXX days later I've got a overdraft fee and they didn't paid it how do you charge for something u didn't pay I'm a senior and I'm trying to keep track of my bank accounts but it's hard

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
Company of complaint : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX The date of service is for XX/XX/year>. It was for a procedure. Primary AND secondary insurances provided to XXXX   scheduler, front desk, and XXXX  center on numerous occasions. The XXXX  center assured me that they are sent insurance information from the attending physicians office. Secondary  insurance was never billed. I had a follow up appointment for the procedure where a bill was given to me at the front desk, at which time I asked again, if both insurances were on file, and again assured they were. I have a billing statement showing that only the primary insurance was billed for this XXXX. Prior to my procedure, I had verified several times that both insurances were accepted by the provider/facility to ensure that I would not be seeing any out-of-network doctors/using facilities. Not only has this office sent me to collections, they no longer have my account available in the office to look at and have sent a lawyer to serve court documents on the debt. I contacted the doctor 's office again today around XXXX, when this information was relayed to me. I also called the lawyers office, just after speaking with XXXX Michigan. It was noted that there has been a dispute over the debt. The lawyer is : XXXX XXXX XXXX, PC XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: IA

Complaint narrative:
XXXX Ally, i am having an awful customer experience so far with Ally bank. 

i had fraud occur on my first debit card and i saw sent a new card, upon trying to activate this card with the automated system i was greeted with the message " You have reached the maximum allowed attempts, please contact your bank. '' i then called Ally to activate my card just fine but now the XXXX issue shows up, i can not set my own PIN, i tried contacting customer service and was told i have to wait XXXX days for a PIN change request? which makes no sense. 

I just transferred XXXX in my account and upon learning i can not use my card because the PIN setup issue, i wanted to do an XXXX  from Ally ( Started the ach transfer from the receiving Bank ) to my XXXX  XXXX XXXX, everything linked fine,. i started the transfer through XXXX and now my Ally bank account is showing as locked. 

i cant even get my account number because my account was just locked up. 

Change Pin Request # : XXXX never have any issues with my account being blocked or locked in the past but now after this complete headache involving calling in to try and get my pin setup or anything helpful, my account has been locked for whatever reason, this entire experience has been off putting and i almost never want to leave cash in my Ally bank after this. i dont trust my account to not get locked for the slightest reason. 

I JUST WANT TO SETUP MY PIN AND UNLOCK MY ACCOUNT AT THIS POINT

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 2024-11-14 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: NC

Complaint narrative:
" I reviewed my consumer report and previously informed your agency on XX/XX/year> about several disputed items. Despite this notice, the issue remains unresolved in a manner that violates my rights under the Fair Credit Reporting Act ( FCRA ). I included an FTC Identity Theft Report and have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these items. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: TX

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I noticed that my balance on my account had gone into negative territory and contacted Wells Fargo to figure out why. They indicated that I was not eligible for the account that I currently had which was setup approximately XXXX  years prior and had slowly been drawn down over time. In the past year, I have been in contact with XXXX branches due to multiple instances of fraud on my account. I have spoken to at least XXXX branch managers and had at least XXXX bankers review my accounts. NOT XXXX of these bankers ever mentioned me being ineligible for my account nor told me about the fees. I reviewed all email communications from Wells and never once did they inform me that my funds had gone too low and I would be charged for keeping an account I had for XXXX  years, with on-going fraud. Additionally I was not ever marketed a product that may more appropriately fit my needs. I asked the bank to refund the fees and market me an appropriate product. They offered me {$50.00}, which would cover XXXX of the XXXX fee payments at the time. I declined their offer and informed them of the various legal violations they were committing. I am planning to sue.

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 2024-11-14 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: GA

Complaint narrative:
I am asking for your help with this incorrect account showing on my credit report. The issue has hurt my reputation as a customer, and I need your assistance. These accounts should be taken off due to inaccurate and negative reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I had an navy federal bank account that I do not have access to anymore due to them closing my account to a fraudulent report that I reported to them regarding someone depositing a fake check into my account I had lost my debit card my PIN code was on the back of my card and someone deposited a check amount of XXXX  and I reported it that it was not me. It happened at an non navy federal credit union Navy closed the account against me and saying I owe them XXXX for that fraudulent transaction This happened in 2022 when I lost access to my bank account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-11-14 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: AL

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 non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: FL

Complaint narrative:
I have submitted numerous modification packets since account was transferred to Selene Mortgage Co in XX/XX/XXXX. They initially sent me a welcome letter and vocher saying first payment had to be sent by certified check. I had my credit union do that. Several months later that check and a letter was return stating I was in forclosure when acct was transferred to them and they needed to modify the acct and to complete a packet. i did and they adjusted my payment. i had a XXXX  emergency after third payment and called to let them know i will be several weeks late with payment and said it was ok just pay before the end of month. Within 3 weeks i got a letter saying they could no longer honor the modification agreement and the predatory practices started. i was told i could no longer make payments, constantly sent letters to complete modification packets which i did ; phone calls went unanswered, could not go online, received a statement once in a while, started getting people showing up at my home to take pictures but at the same time my balance is increasing with all kinds of charges. I developed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I never had XXXX XXXX. I had a legal claim against my homeowners insurance company for hurricane damage to my home. once the case was settled Selene took control of money but was able to fix some of my home problems. I used saved money to fix mostly the rest of my home over time. Now I'm in pending foreclosure with courts. I have been through every class action law suit with all the mortgage servicers that is under the same main company ( XXXX, XXXX, XXXX, XXXX and now Selene ). In XX/XX/XXXX XXXX XXXX paid $ XXXX to get the mortgage arrears corrected with Shellpoint but the money was never applied to my account. They later filed for bankruptcy. I'm still in a foreclosure status. I've always been able to pay my mortgage but never been allowed to due to predatory practices. Since this has been going on for over 5 years, my case falls under the Florida Statue of Limitations for foreclosure and should be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to 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 non-monetary relief
Consumer complaint received 2024-11-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Complaint Narrative : I am submitting this complaint due to persistent failures by Experian, XXXX, and XXXX to address inaccuracies related to identity theft on my credit report. Despite filing an FTC Identity Theft Affidavit and a police report ( XXXX XXXX. XXXX ), the bureaus continue to report fraudulent accounts associated with unauthorized name and address variations that are not legally representative of me. 

I requested a detailed method of verification for each disputed item, as required under FCRA 15 U.S.C. 1681i, but was only provided with vague responses, indicating verification through unspecified third parties. I have reason to believe these third parties are not properly validating the information, as several third-party data vendors have already been frozen and opted out. 

The accounts in question have either been verified inaccurately or lack any substantiation. The continued reporting of these items, given my submitted identity theft documentation, violates the FCRAs mandates on accuracy and verification. I request immed

iate action for : 1. Removal of all accounts associated with unauthorized name variations or mismatched personal identifiers. 2. A full disclosure of the vendors and third-party entities us
ed in the verification process.

3. Legal assurances that these inaccurate items will not reappear on my credit file.

I trust the FTC and CFPB will thoroughly investigate this matter to hold Experian and related bureaus accountable for compliance with federal regulations.

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 2024-11-14 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: TX

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. I told XXXX, XXXX XXXX equifax to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

Company response to consumer: Closed with explanation