vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Account name : XXXX. Account number : XXXX. The account name and number above has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: TX

Complaint narrative:
I had to order a new card for my account because the one I had I lost it. The new card came I tried to activated it wouldnt let me. At that time they said I had to wait 15 days. I waited the 15 days then I went XXXX to try and activate it and it still wouldnt. I chat with a representative and they said my account was but on limited conditions where I could only send and receive money or cash out to my linked bank account due to a violation of their terms. I kept asking what it was because I never did anything but what the account was intended for collecting payments from my clients. Then they closed my account completely and said I could only withdrawal money. Today I read the terms and the number for customer service was listed. I called to asked for specific reason where i violated their terms because after reading the terms I didnt see anything I did wrong. The guy who I spoke to said they cant give me the specific reason its only for internal. I then asked to speak to a supervisor and the guy refused and hung up the phone on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/year>, I settled a debt with XXXX. As agreed upon and per their policy on their website, the account was to be deleted from all credit reporting agencies. The account was indeed deleted ; however, as of XX/XX/year>, XXXX reported the debt again. It is currently showing on Equifax as a collection account. 

By reporting this debt after it was settled and agreed to be deleted, XXXX may be violating the Fair Credit Reporting Act ( FCRA ), which mandates accurate and fair reporting of credit information. Under the FCRA, reporting incorrect or outdated information can lead to legal consequences. Additionally, XXXX 's actions might constitute a breach of contract, given their initial agreement to delete the account after settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 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: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared 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 customers nonpublic personal information. '' So-Fi Technology is a 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. '' SoFi Technologies the financial institution and the Consumer reporting agencies XXXX 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 XXXX, XXXX, SoFi Technologies 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. '' SoFi Technologies Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681XXXX of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 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: TN

Complaint narrative:
On XX/XX/XXXX, I pulled my credit report and noticed a hard inquiry for an Equifax mortgage. I have never submitted any documentation to apply for a mortgage through Equifax. This inaccuracies has dropped my credit score. 
By reporting this inaccurate information, Equifax may be violating the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to ensure maximum possible accuracy of the information they report. Additionally, unauthorized hard inquiries can be considered a violation of the Fair Debt Collection Practices Act ( FDCPA ), if they result from improper debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/year>, I purchased a XXXX XXXX generator from XXXX 's for {$1200.00}. Upon opening the box at home, I discovered that it contained a bag of sand instead of the generator. When I attempted to return the item within XXXX 's XXXX return policy, the store XXXX refused to process the return and implied that I was lying about the contents of the box, stating they don't return generators once they leave the store. However, the generator never left the store because it wasn't in the box in the first place. 

I disputed the transaction with my bank, Navy Federal Credit Union, and they initially provided a credit but then reversed it, stating they found nothing wrong despite being provided with the receipt and the stores return policy. This situation has caused significant financial loss and emotional distress as I rely on the generator for my home-based business, especially during recent power outages in the XXXX, Texas area XXXX

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 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2024-06-16 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: GA

Complaint narrative:
XXXX XXXX  Account Number- XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in the my state.

accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I've repeatedly requested detailed explanations from TransUnion regarding their method for " verifying '' information on my credit report. TransUnion, you have consistently failed to address this issue despite several requests. You did not respond to me within the legally mandated 30-day period, necessitating the removal of the following information from my report : XXXX XXXX XXXX... : This debt was already paid off as a charge-off, documented with a XXXX that I filed with my taxes. Attempting to collect on this debt again is illegal. 

XXXX XXXX XXXX... : Similarly, this debt was settled as a charge-off with a XXXX filed with my taxes. Double collection on this debt is unlawful. 

I dispute these claims and formally request validation under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( FDCPA ). I demand the following : A detailed breakdown of the fees and the calculation method used to determine the claimed amount. 
A copy of any contract or document bearing my signature that makes me liable for this alleged debt. 
Immediate cessation of any credit bureau reporting until the debt has been validated as required by the FCRA. 
Proof that you are licensed to collect debt in my state. 
Please send this information to my enclosed address. Consider this letter my formal debt validation request as permitted by the FDCPA.

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 2024-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
We purchased my homeowners insurance with XXXX and paid in full {$1300.00}. We uploaded the documents on Wells Fargos website at www.mycoverageinfo.com/Wells Fargo even though we did all required, we did not stop receiving letters to upload our home owners insurance. We did call customer service many times ( on a recorded line ) and every time they check they could see the documents uploaded. We were ensured by XXXX customer service agents that everything is fine with our homeowners insurance and it is visible in the system. 

Today we received a letter from Wells Fargo that a policy was bought our behalf for {$3500.00} to cover our homeowners insurance because they did not receive proof of insurance. We have spent now hours on calling, emailing, uploading. We have done our part in keeping our account updated, It is becoming very frustrating at this point that they have not! If we get charged a single dollar for homeowners insurance, we are ready to seek legal action to the fullest against Wells Fargo home mortgage. 

We need this case escalated ASAP.

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 2024-06-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX, I visited Wells Fargo branch # XXXX to withdraw {$1000.00} as small denominations. I was assisted by a teller named XXXX and received bills that were in poor and unusable condition. Multiple vendors refused to accept the bills, claiming it was counterfeit. I brought the bills claimed as counterfeit back to the branch and exchanged them for legitimate bills. 

On XX/XX/XXXX, I visited the same Wells Fargo branch to withdraw {$1000.00} as smaller denominations and was also assisted by XXXX. I expected to be asked how I wanted the change to be divided. However, XXXX handed me 10 {$100.00} bills without inquiring about my preference for the denominations. I requested smaller denominations and the request was fulfilled dismissively. The bills were unwillingly accepted by a vendor the same day because corners of the bills were ripped off. 

The experience of receiving dirty or damaged money, and unpleasant customer service has been consistent. Despite raising these issues with the branch multiple times, no changes have been made.

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 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/2024 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Verification of Bankruptcy on My Credit Report Dear Equifax, I am writing to request the verification of a bankruptcy entry on my credit report. How did you verify this public record? I feel your company is being deceitful with your reporting and this is a MAJOR violation of my rights under the FCRA. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of any information on my credit report. I am requesting that Equifax verify the accuracy and completeness of the bankruptcy information listed. If the information can not be verified, I request that it be removed from my credit report. 

Please provide me with the following : 1. Verification that the bankruptcy information is accurate and complete. 
2. The method and source used for verification. 3. A corrected credit report if the bankruptcy information is found to be inaccurate or unverifiable
. 

Please confirm receipt of this request and provide the results of your investigation within 30 days, as required by the FCRA. I appreciate your prompt attention to this matter. 

P.s. My NEXT letter will be a notification of my LOITS!! So that you do not need for a legal dictionary, a LOITS notice is a Letter Of Intent To Suit! You BEST be PROVEN COMPLIANT to ALL requirements and standards of FCRA COMPLIANCE and also of the implemented CRSA enacted CDIA implemented Metro2 Compliance mandates as well. I will demand verification that each employee at your firm which MIGHT have seen or conducted any business on the file you allege mine has been properly trained by a certified and qualified instructor of the Metro 2 data field formatted reporting standards. I am NOT shy in detailing my DOUBTS you can withstand the requisites to survive a court hearing versus me as I leverage your DEFICIENCIES for a slew of victories being awarded a minimum of {$1000.00} PER VIOLATION PER TIME, and there certainly appears to be a bucket full. So, lets do this! Anything OTHER than your letter describing to me that you have already begun or completed the annulment of these unproven claims versus me and have eradicated ENTIRELY any and all aspects of records of what you allege being mine ( yeah! ) will IMMEDIATE compel me to assume your hostile to my demands of proper reporting and I will assume that your ignorance of appropriate and adequate duties are willful and intentionally injurious. Being such, civil suits are obvious however criminal charges are not out the question, particularly if your chicanery-led subterfuge brings forth or allows. 


Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Complaint Regarding Unfair Account Closure - Synchrony Bank Dear Consumer Financial Protection Bureau ( CFPB ), I am filing a complaint against Synchrony Bank for the unfair closure of my credit card account ending in [ last XXXX digits of account number ]. 

Background : I opened this account in 2022 and have consistently made all payments on time. 
I have never missed a payment on any of my Synchrony Bank accounts, including this one. 
I have an automated payment set up for this account. 
Recently, my salary has increased to {$120000.00} annually. 
Issue : I recently discovered that Synchrony Bank closed my account without prior notification. 
When I contacted customer service, they informed me a closure letter was sent, but I never received it. 
Impact : This unexpected closure is concerning for several reasons : It potentially damages my credit score despite my history of on-time payments. 
I am unsure of the reason for the closure without receiving proper notification. 
Request : I kindly request the CFPB to investigate this matter and urge Synchrony Bank to : Reopen my account if possible. 
Provide a clear explanation for the closure, considering my positive payment history. 
Advise on any steps I can take to minimize the potential damage to my credit score. 
I have attached copies of my recent statements for this account ( if applicable ) as evidence of my on-time payment history. 

Thank you for your time and attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CHARLES SCHWAB CORPORATION, THE
State: NJ

Complaint narrative:
I recently opened a " high-yield '' investor checking account with Charles Schwab Bank expecting `` high-yield '' interest rates currently between 4.0-5.0 %. However, after opening the account, I noticed my interest rate to only be 0.45 %. When I called the bank, the representative I spoke to admitted that this was misleading and that they have since changed the name of this account to " investor '' checking. This is flagrant false advertising and fraudulent behavior. This bank should be investigated for false advertising!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC-1681 Section 602, states I have the right to privacy 15 USC 1681 Section 604A Section 2 it also states the consumer reporting agency can not furbish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under and open and consumer credit card as late Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - Payment Status XXXX days late

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 2024-06-16 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: NM

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC-1681 Section 602, states I have the right to privacy 15 USC 1681 Section 604A Section 2 it also states the consumer reporting agency can not furbish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under and open and consumer credit card as late Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - Payment Status XXXX days late

Company response to consumer: Closed with non-monetary relief