vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-08 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: GA

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. XXXX : XXXX, XXXX XXXX XXXX : XXXX 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 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 ) ( 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. 

My identity ( including but not limited to : my name, address, passwords, and SSN ) were allegedly leaked in a data leak on the dark web according to XXXX and 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 2024-11-08 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:
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. XXXX : XXXX, XXXX XXXX XXXX : XXXX has violated my rights. XXXX 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 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 ) ( 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. 

My identity ( including but not limited to : my name, address, passwords, and SSN ) were allegedly leaked in a data leak on the dark web according to XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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: FL

Complaint narrative:
I arrived at this dealer and found out about the bad practices they are doing. First, they didn't tell me that the car had XXXX accidents, I had many mechanical problems and I gave it up voluntarily. They sold me an overpriced vehicle. Now they are charging me a sum of {$16000.00}. This account is XXXX financing, account number XXXX. This problem is destroying my credit and my finances, as well as my family. I have been a victim of fraud and deceptive practices, lying and theft.

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 2024-11-08 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: FL

Complaint narrative:
I arrived at this dealer and found out about the bad practices they are doing. First, they didn't tell me that the car had XXXX accidents, I had many mechanical problems and I gave it up voluntarily. They sold me an overpriced vehicle. Now they are charging me a sum of {$16000.00}. This account is XXXX financing, account number XXXX. This problem is destroying my credit and my finances, as well as my family. I have been a victim of fraud and deceptive practices, lying and theft.

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 2024-11-08 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: FL

Complaint narrative:
In the year 2022 I went with good intentions to buy a car at XXXX XXXX in XXXX. I have been affected in my finances and my credit with the inability to obtain a home for my family since this problem has destroyed my life and my credit. The dealer did deceptive, unfair and deceitful acts when selling me this car with compressor problems. I am a family man and I live in XXXX where the heat is strong. This account is fraudulent. 
The account on my credit is XXXX XXXX  XXXXBalance : {$15000.00} Account XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 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: FL

Complaint narrative:
In the year 2022 I went with good intentions to buy a car at XXXX XXXX in XXXX. I have been affected in my finances and my credit with the inability to obtain a home for my family since this problem has destroyed my life and my credit. The dealer did deceptive, unfair and deceitful acts when selling me this car with compressor problems. I am a family man and I live in XXXX where the heat is strong. This account is fraudulent. 
The account on my credit is XXXX XXXX XXXX : {$15000.00} Account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I opened a SoFi checking account on XX/XX/year> based on a promotion they were running offering {$300.00} cash bonus for direct depositing {$5000.00} or more within the first month. 

After completing the requirements, I received a bonus of only {$50.00}. When reaching out to Sofi bank, they advised i did not meet the requirements- however within 1 month of my initial direct deposit in XXXX - i had 2 additional direct deposits totaling over {$7000.00}. 

I've tried to contact their customer service department, who is adamant i did not meet the requirements- and unfortunately refuses to escalate me to their manager/higher department.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: NJ

Complaint narrative:
I am seriously stunned to see that inaccurate accounts are showing up on my credit report tonight. I check my credit report regularly, and this just came out of nowhere. I even tried refreshing my browser thinking it was a glitch, but no, the incorrect accounts are still there. This is beyond frustrating. I need the documents Ive submitted to be double-checked so that I can stop stressing about this issue in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Affirm advertises No interest loans. XXXX of my loans had no interest charge they were for celebrity cruises, made at the same time and the other one has interest. They did not sufficiently explain the difference, except that they go to different lenders to get the loan for you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: NJ

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-08 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: NJ

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-08 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: IL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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 2024-11-08 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: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/year>XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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 non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America drafted twice my automatic payment for my XXXX XXXX XXXX and now they have blocked my account and they are taking XXXX days to return my funds

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 2024-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint to address the serious inaccuracies and lack of thorough documentation surrounding several accounts on my TransUnion credit report, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I initially disputed these accounts with TransUnion as per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, to ensure that only accurate, fully verified information is reported. Despite this, I have received no substantial evidence or original documentation verifying these accounts accuracy. TransUnions response has been vague and insufficient, without the detailed verification required to justify these accounts continued presence on my credit report. I am formally requesting comprehensive verification for each of these accounts in compliance with FCRA and FDCPA regulations, including original signed agreements and contracts linking me to each account, a full transaction history for each account with dates of activity, payments, and charges, any communications or notifications related to these accounts, and accurate reporting of balances, payment histories, and account statuses as required by law. These items are crucial for my full understanding and validation of these accounts, and without access to this level of documentation, I can not confirm or validate any link to these accounts. The lack of proper documentation raises concerns of potential reporting errors or fraudulent activity, which only heightens the need for thorough verification. Until these documents are provided, I can not and will not accept the presence of these accounts on 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 non-monetary relief
Consumer complaint received 2024-11-09 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: NJ

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and found item to be in error.

Additionally, in compliance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I insist on receiving actual evidence of the information being verified, rather than a computer-generated confirmation.

Your cooperation and prompt attention are legally required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC
State: FL

Complaint narrative:
Cascade Capital LLC is attempting to garnish wages after the debt was confirmed as paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have been a member of Navy Federal Credit Union since XXXX. I never used my account due until I decided to go to the XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. Upon being XXXX XXXXXXXX from the XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, I kept using my Navy Federal Credit Union checking account. 

I went back to work at XXXX in XX/XX/XXXX and switched my direct deposit over to XXXX but, I didn't close my Navy Federal checking account. 

XX/XX/XXXX, I started getting notifications about debit cards being ordered and virtual cards being activated. I sat on the phone with Navy Federal Credit Union 's security department for over THREE HOURS going over logins, passwords, transactions, and debit card numbers. I was overnighted two debit cards via XXXX for the situation. I still wasn't actively using the accounts so I never activated the debit cards. 

XX/XX/XXXX, I got a pay out from the XXXX XXXX and the money was sent to my Navy Federal Credit Union checking account. I go to activate the cards but, the cards are already activated. I notice that money from the XXXX XXXX is being withdrawn at an ATM. I call NFCU in a panic because I needed that money. I was never issued a refund for the {$800.00} withdrawn from my account. 

XX/XX/XXXX, I am in bed watching television when I get a random alert that {$6000.00} is just been transferred to my account from an NFCU member. I call NFCU and ask where this money is from because I do not know nor have I done business with this person. NFCU first tells me when the transaction post just send the money back to the member. NFCU then tells me on a recorded line that the representative is in a call center and XXXX co-workers are claiming to be on the phone with me at the same time. I am asked to provide my full SSN. I am then identified as the real me yet, as we are on the phone I am getting notifications that {$6000.00} is being spent prior to the transaction posting which is confusing to me cause I haven't had a debit card since XX/XX/XXXX. 

I explain this several times to the NFCU security department who tell me the login device are too similar to determine which is the authentic and which is the fraudster. I ask for a copy of the investigation results, the login IP addresses, and locations of purchases to file a police report to obtain camera footage to further prove that is was NOT me and I should NOT be held responsible. 

Yet, here I am on XX/XX/XXXX with no NFCU checking account, no NCFC refund from fraud ATM withdraws, or any supporting evidence as to why I should pay this {$6000.00} to have an account with NFCU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation