vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
On XX/XX/XXXX someone from Navy federal Credit Union number called me and explained that some fraudulent activity has been noticed on my account in XXXX XXXX at that time the person placed a credit to my account in the amount of the transactions in which they had some of the transactions wrong, and as I informed him that a few of the transactions were made by me he calculated those transactions and asked me to transfer that amount back to the fraud departments managers account whos name is XXXX XXXX a navy federal member in the amount of {$2800.00}. He then began to tell me that they also noticed that someone had opened XXXX other accounts for a loan in the amount {$4000.00} and I informed him that I didnt open any loan accounts and he said that he would take care of it and he then deposited {$4000.00} into my account and asked me to use XXXX or XXXX XXXX to send it over to the loan department so he could close the account out for me in which I informed him that I could do XXXX XXXX and the person sent me a request for the {$4000.00} to my XXXX XXXX in which I did and then he asked me to hold on for a second so he could confirm and left me on hold for quite some time in which I called the XXXX  department on another line to ask about this and the female informed me that it was a scam and that there number apparently was spoofed and began to reset all my passwords and closed the account out. The bank gave me a temporary credit for the {$4000.00} and the {$2800.00} and opened up a new account for me. They later removed the amount of {$2800.00} from my account and explained that the claim was denied but the {$4000.00} is still pending but they also took that money out of the new account so its left with a negative balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: MO

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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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. This company told the CFPB that they followed procedures an provided correct information which was not proof of verification and validation the account they only mailed me a copy of a credit card bill that supposedly had my name on it. They did not showed me any documents were I signed a contract or made any business arrangements with them which is another violation of the FCRA laws. Down below are the documents they mailed me and me also showing how they reporting inaccurate inaccurate on my credit file which is damaging my credit and my life.

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 2024-03-18 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: FL

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. 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 explanation
Consumer complaint received 2024-03-18 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2024-03-18 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was charged the annual fee in XX/XX/XXXX and I was a military spouse. Under the military lending act the military spouse is covered under the program for the annual fee to be waived under American Express. I was denied twice advising I do not qualify. I checked my information in the department of defense website and it listed I was. I offered to provide that documentation to support my claim. An agent advised they use my social security number to find me in the system however I was denied. I reached out XX/XX/XXXX and. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: DE

Complaint narrative:
On XX/XX/2024my husband went to PNC Bank to deposit two checks from The Dept of Labor into our joint account. One for {$1400.00} and the other for {$790.00}. The bank rep asked if he would possibly want to open his own personal account and which my husband agreed. He advised the bank rep that he wanted the check for {$1400.00} deposited into his new personal account and to split the check for {$790.00} ( {$300.00} to joint account and the balance {$490.00} to his personal account ). He also advised the bank rep that the checks were for deposit only. On XX/XX/2024 I received an email notification that the joint account was overdrawn. When I checked the joint account, it showed that the two checks were rejected. Ironically enough my husband 's personal account had a balance of {$1900.00} and I could see the {$300.00} credited to the joint account. I was very confused as to why my joint account is now - {$2100.00}. My husband immediately went to the PNC Bank branch and the only thing they kept telling him is that the checks were rejected, and he needed to contact the " maker. '' I also went to the branch and was basically given the same explanation and they could not provide me with any information. I contacted customer service between XX/XX/2024 - XX/XX/2024, I spoke with XXXX and also XXXX. I went to another branch looking for answers and was given the same answer that I needed to contact the maker. In the meantime, my husband had contacted The Dept of Labor, and they advised him that they did not reject any checks and we had to talk to PNC Bank. We kept getting nowhere with PNC Bank. My husband contacted the corporate office of PNC Bank who advised him that XXXX XXXX, whom the check is drawn off of, had rejected the checks. Once we received the returned checks in the mail, we immediately went to a XXXX XXXX branch on XX/XX/2024. Spoke to a bank rep ( XXXX ) who advised that XXXX did not reject the checks. The bank rep even checked the account in which the checks were issued, and he saw where the checks were paid. I am frustrated and confused and really don't know what else I can do. PNC Bank is holding me and my husband responsible for a {$2100.00} debt and I need to know why.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: NV

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2024-03-18 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: NV

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
I have been in my home for two years going on three this year and my mortgage payment has increased 3 times ; twice last year 2023. It has gone up {$300.00} extra dollars. I called the mortgage company to see why and a customer service representative stated they do a projection of what your personal proper taxes may be instead of using the actual tax amount from your county assessment department. So I contacted my attorney who sent the mortgage company a letter asking them to explain how are they obtaining information about my personal property taxes because taxes only increase ( if than ) once a year. This was done in XXXX. The letter stated they had 30 days to respond and they have not responded to me or my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
Under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it's essential for consumer reporting agencies like XXXX and XXXX to handle their responsibilities with fairness and respect for privacy. As a consumer, I have the right to ensure my private information remains secure, supported by 15 USC 6801, which emphasizes the obligation of financial institutions to protect customer privacy. Section 604a ( 2 ) of 15 USC 1681 specifies that consumer reporting agencies can only furnish reports with the explicit written consent of the consumer. I haven't provided such consent to XXXX, XXXX, or any financial institution. Additionally, 15 USC 6802 ( b ) ( c ) dictates that financial institutions must inform consumers about their right to withhold personal information, which was not done by the information furnishers. Furthermore, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information without authorization, which they've done unlawfully. Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies, and XXXX and XXXX are not maintaining adequate procedures to prevent violations. Lastly, according to 12 CFR 1016.7, consumers have the right to opt out at any time, and I am exercising that right regarding their reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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:
on XX/XX/year> i settled an account with XXXX XXXX XXXX XXXX XXXX XXXX I sent the deletion letter to Experian and the did not delete the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: NY

Complaint narrative:
I am writing to dispute the following information supplied to XXXX and XXXX. 

This item from Rent Recovery Solutions with a balance of {$4400.00} is not mine. On XX/XX/2024 I spoke with a representative of Rent Recovery Solutions. The rep searched my name and number and I am nowhere in your system so she could not begin a dispute. 

I have disputed these actions with XXXX and XXXX. Per XXXX RENTRECOVERYSOLUTIONS does not have enough information to confirm this debt and each time I call RENTRECOVERYSOLUTIONS they can not find me in their system. 

The original creditor XXXX XXXX and XXXX is a company who has apartment complexes in XXXX- a place I have never lived and a company I have never applied for credit with. I will be sending mail to them as well. I am requesting this loan in collections be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had my debit card stolen in XX/XX/year> and didn't realize for a long time, because most places require XXXX XXXX  now. Looking at my bank transactions in XXXX, I discovered someone had been using my card to buy gas at a XXXX. The transactions totaling {$970.00}. Immediately, I called chase and let them know. I was told they'd post a temporary credit to my account while investigation was being done. As of this morning, XX/XX/XXXX, all the credit posted to my account was reversed. When I called, they claimed that based on their investigation, there was no evidence that the transactions were fraudulent. I know for a fact that this is a lie and no investigation was done because 1. I do not have a car, as my car got stolen in XXXX. So how would I buy {$970.00} worth of gas and what would I be buying it for 2. All the transactions were at a XXXX 1 hour away from me. How and why would I drive 1 hour to be filling up my tank daily. Again, with what car?? 
3. I believe the basis of their argument was that I had other debit card transactions but that's exactly what we have XXXX  for. One can go months without needed to pull out a physical debit card 4. The results of their investigation did not turn up the person that did this transactions. If it's at a XXXX, can't they ask the establishment for the cameras and catch the person. How is an investigation conclusive when they wasn't sufficient investigation done. 

My case is being treated unfairly and it makes no sense to me, as I have been banking with chase for 10 years now. I believe the investigation done was lazy, if at all there was any done. As it's not hard to catch the culprit in a case like this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/17 I received several hard inquiries on my credit report from unauthorized credit card companies

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 2024-03-18 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/17 I received several hard inquiries on my credit report from unauthorized credit card companies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-18 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Unauthorized credit card bureaus on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: GA

Complaint narrative:
These following accounts are involved in litigation... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXIST. 
DELETE ALL ACCOUNTS

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 2024-03-18 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: TX

Complaint narrative:
This is in reference to CFPB complaint XXXX that was sent to Equifax regarding inaccurate items on my credit report. I do not believe an investigation was conducted due to the response I received. Equifax stated that they were unable to locate a credit file for me which is not true because I have my Equifax credit report downloaded and will attach it to this complaint. I believe that Equifax is sending generic responses and not investigating, or Equifax removed all information from my credit profile which they have done before. Once again, I am demanding the following information to be investigated and removed from my Equifax report. If there is no information on my credit profile then Equifax will be under investigation because as my credit report dated XX/XX/year> will show, that I do have accounts in my name, under my ssn. Update my credit report immediately : XXXX Account Number : XXXX Remove this account due to misleading and false reporting. This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. DEPTEDXXXX Account Number : XXXX Remove this account from my credit report due to it being over 7 years old. XXXX XXXX XXXX Account Number : XXXX I never had an account with this collection agency and this account does not list the name of an original creditor. This debt was never validated. XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX This is not my account, and the creditor could not verify this information. XXXX has since removed this account. My information was compromised in the Equifax data breach. XXXX Account Number : XXXX You are reporting inaccurate information such as disparities in the High credit limit last reported and date last active. This is a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief