vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-28 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:
XX/XX/2024, I have discovered upon reading privacy terms and conditions that I was not made aware that my transaction history was shared with non-affiliates ( third party companies ) without my permission. Third party companies being Transunion, XXXX, XXXXXXXX XXXX XXXX XXXX  and XXXX XXXX. I have sent notice to XXXX XXXX to Opt out of any and all authorization that may have been given written, unwritten, verbal, non-verbal per 15 USC 6802. and 16 CFR 313.7 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. My right is to make sure that my private information isn't shared inaccurately which is backed by 15 USC 6801. Which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those.

financial institution by definition under that title : 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ) any. consumer reporting agency may furnish a consumer report under the following. circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' the financial institution and the Consumer reporting agencies Transunion, XXXXXXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent! Any and all consent to Transunion, XXXX, XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The balance is reported inaccurate, furthermore any transactional information should not be reflected on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 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:
XX/XX/2024, I have discovered upon reading privacy terms and conditions that I was not made aware that my transaction history was shared with non-affiliates ( third party companies ) without my permission. Third party companies being XXXX, Experian, XXXXXXXX XXXX XXXX XXXX and XXXX XXXX I have sent notice to XXXX XXXX to Opt out of any and all authorization that may have been given written, unwritten, verbal, non-verbal per 15 USC 6802. and 16 CFR 313.7 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. My right is to make sure that my private information isn't shared inaccurately which is backed by 15 USC 6801. Which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those.

financial institution by definition under that title : 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ) any. consumer reporting agency may furnish a consumer report under the following. circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' the financial institution and the Consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent! Any and all consent to XXXX, XXXX, Experian, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The balance is reported inaccurate, furthermore any transactional information should not be reflected on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

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 2024-03-28 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:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

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 2024-03-28 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: TX

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

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 2024-03-28 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: NJ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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
Consumer complaint received 2024-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I have consistently maintained punctual payments on this account, ensuring they are never overdue. The reasons for the reported late payment remarks on my accounts are unclear to me. In accordance with 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/XXXX, I experienced a fraudulent ACH transfer of {$4800.00} from my XXXX XXXX account to an unauthorized XXXX account. The scammer cleverly spoofed XXXX XXXX 's customer service number, making it appear legitimate. While I didn't reveal any personal information, the scammer initiated the transfer regardless. 

Disturbingly, XXXX XXXX acknowledged they are aware of this spoofing tactic and that scammers replicate their scam alert process. Furthermore, they claim all customer information is already compromised on the dark web. 

My Concerns : Security Gaps : Why hasn't XXXX XXXX changed their customer service number or implemented stronger authentication methods if they know it's being spoofed? 
Customer Awareness : Why haven't they proactively informed customers about this vulnerability? 
Delayed Resolution : XXXX XXXX requires an investigation before crediting my stolen funds. This delay is unacceptable, and the stolen amount should be immediately reimbursed. 
This incident highlights a concerning lack of customer protection. XXXX XXXX seems aware of the scam methods yet fails to take adequate preventative measures. 

I urge XXXX XXXX to : Improve security protocols to prevent further spoofing. 
Inform customers about these scams and how to identify them. 
Expedite the return of stolen funds.

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 2024-03-28 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: CA

Complaint narrative:
I am being taken advantage of as a consumer in law. These inaccurate items are damaging my credit and now in pending litigation.

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 2024-03-28 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: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am writing to formally address an issue regarding a credit inquiry that was conducted without my explicit consent during my vehicle purchase experience at XXXX XXXX XXXX XXXX in XX/XX/year>. 

It has come to my attention that XXXX XXXX XXXX XXXX, in conjunction with Fifth Third Bank, submitted a hard inquiry on my behalf to Fifth Third Bank without obtaining my express permission. As this action was taken without my consent, it has resulted in an unauthorized entry on my credit report. 

I must emphasize that I did not authorize either XXXX XXXX XXXX XXXXXXXX or Fifth Third Bank to conduct any credit inquiries on my behalf. Consequently, I kindly request that immediate action be taken to rectify this situation by having the unauthorized inquiry promptly removed from my credit report. 

I firmly believe that rectifying this issue by removing the unauthorized inquiry from my credit report is the only acceptable resolution to this grievance. I urge both parties involved to take this matter seriously and to cooperate fully in resolving it expediently. 

I appreciate your prompt attention to this matter and expect a timely response regarding the actions being taken to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
PLEASE READ THE REQUEST BELOW! I HAVE ASKED FOR THIS PREVIOUSLY AND KEEP GETTING INACCURATE INFORMATION AND NOT WHAT I HAVE REQUESTED.

I would like to draw your attention to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e, which outlines the responsibilities of furnishers of information to consumer reporting agencies. This provision emphasizes the duty to provide accurate and complete information and requires furnishers to correct any inaccuracies promptly.

Given the importance of accurate reporting under the FCRA, I believe obtaining the Form 1099-C will assist in ensuring the proper representation of this account on my credit file.

Upon reviewing my records and credit report, I have reason to believe that this debt has been canceled and may have been memorialized with a Form 1099-C. As a result, this debt should not impact my credit report, and there should be no outstanding balance associated with this account. In order to address and rectify any inaccuracies in reporting, I kindly request that you provide me with a copy of the Form 1099-C associated with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Revolut Technologies Inc.
State: NY

Complaint narrative:
From illegally restricting my account which caused havoc and violated UCC 4-202, to unfortunately, a man I was in a relationship with stole my phone & began sending himself money using my account on Revolut. After learning of this abuse which amounted to over {$800.00} in unauthorised charges, I contacted the XXXX and Revolut who in turn closed my account and prevented me from removing the remaining funds I had in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR

Complaint narrative:
Since last year, I have been experiencing problems making the minimum payments on my Capital One credit card. I lost my job since the pandemic, and I was only able to work on a contract basis. 
Since XX/XX/XXXX, and when due to the situation already described, I began to experience serious problems making my credit card payments. I proceeded to immediately contact Capital One to try to solve this situation and to get a payment plan that would allow me to reduce the high interest on the card, which is currently 25.5 % of the purchases made and to eliminate the monthly late fees is {$38.00}. The capital one representative told me that they didn't have that kind of program available and that they only offered me a three-month payment plan to catch up by eliminating late fees, but he didn't agree to adjust the interest. I signed up for the plan, but after complying with it I continued to have problems with continuing to make my payments, this is because my financial situation has NOT CHANGED since XX/XX/XXXX. 
As a responsible consumer that I have always been and my credit history can prove it, I continued to communicate with Capital One on a monthly basis, the last time being today, XX/XX/XXXX, and again a Capital One supervisor identified as XXXXXXXX XXXX XXXX XXXXXXXX, told me again that they did not have a Hardship Payment plan to help me pay off my debt. As of today, my account balance is {$11000.00}, with a minimum payment of {$1000.00}, this out of an original balance of less than {$6000.00}. Meaning Capital One almost doubled my original debt with all the fees they added ever since. 
This situation makes me submit this complaint that infers that Capital one does not want to make any kind of payment arrangement that can help me pay off this debt but only to continue enlarging the balance with abusive interest and surcharges that will never allow me to pay it neither allows me to negotiate a fair payment plan. 
I am a XXXX XXXX woman and I understand this practice from Capital One is not fair neither shows any willingness to help a working-class consumer, who has been in communications with them since day one. I consider these unfair and of a financial exploitative nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. Please see attached file for these items I am complaining.

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 2024-03-28 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: MD

Complaint narrative:
I am writing to you regarding closed accounts that are still being reported on my credit file. Pursuant to the guidelines outlined in the Uniform Commercial Code ( UCC ), specifically UCC 3-605, I am formally requesting the removal of these accounts from my credit report.

Under UCC 3-605, it is essential to ensure the accuracy and completeness of financial records, including credit reports. Closed accounts should not be reflected on a credit report as they no longer represent current financial obligations.

Pursuant to the guidelines outlined in the 15 U.S. Code 1681, I believe it is essential to ensure the accuracy and fairness of credit reporting.

As per the Congressional findings outlined in the aforementioned code, it is recognized that the banking system relies heavily on fair and accurate credit reporting. Inaccurate reports directly impede the efficiency of the banking system and undermine public confidence, both of which are vital for its continued functioning. 

Consumer reporting agencies, such as yours, play a crucial role in assembling and evaluating consumer credit and other pertinent information. However, it is imperative that these agencies exercise their responsibilities with fairness, impartiality, and respect for consumer rights to privacy, as mandated by law. 

I have recently reviewed my credit report and identified several inaccuracies that need to be addressed. These inaccuracies are affecting my credit standing and could potentially harm my financial well-being. Therefore, I request that you take immediate action to remove these errors.

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 2024-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
This debt collector employed prohibited practices under the FDCPA, including abuse, deception, and unfairness. They provided information on an account without agreement or signed contract from my side, violating the basic requirement of a legal contract involving two parties ' consent. Additionally, they failed to adhere to the proper five-step validation procedure, constituting unfair practices. According to the FDCPA, each violation entitles me to {$1000.00}, indicating clear infringement of my rights.

Please be advised that the debt collector are attempting to collect on an expired debt. I am invoking my right to cease you, based on factual law that this debt in question is legally expired under the Statute of Limitations.

Accordingly, I am requesting that debt collector do not attempt to collect this expired debt, and should you seek legal recourse I will invoke my right of the expired statute as a valid defense. 

Additionally any attempts to harm my credit rating by updating or changing dates after you have been informed that the debt is expired, are a direct violation of the FDCPA.

Company response to consumer: Closed with explanation