vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I use to bank with Regions in the years of about XXXX. I emailed corporate as well as spoke with customer service representatives about my account constantly going into the negative and inquiring overdraft fees. I always calculated my balance whenever I would spent or withdraw money. It became apparent to me that the bank was committing some type or fraud or had to be experiencing some sort of glitch in their system. After reaching no resolution I decided to walk away and bank with someone else.

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 2024-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have Opt-Out from XXXX XXXX XXXX XXXX and set a letter on XX/XX/2024 which is attached to this complaint. See previous CFPB complaint # XXXX regarding this.

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 2024-01-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX conducted a credit inquiry on my credit without my knowledge or authorization on XX/XX/2022. I have filed an Identity Theft report on with Federal Trade Commission and I will attach a copy of the report as such. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: CA

Complaint narrative:
XXXX conducted a credit inquiry on my credit without my knowledge or authorization on XX/XX/2022. I have filed an Identity Theft report on with Federal Trade Commission and I will attach a copy of the report as such. Thank you for your assistance.

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 2024-01-18 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am not sure why i am being reported late in the following accounts now, i am seeking your help to make sure that this will be updated as soon as possible.

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 2024-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/2023 at XXXX XXXX  I received a request for XXXX from a person perpetrating my brother through messenger. They asked to borrow XXXX and will pay me back. It show me a picture of my brother in the bed with a blue do rag on. That did not appear to be uncommon for my brother, because that is what he wear all the time. My brother XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX that almost took his life so I really felt he could possibly be in need of money. They asked for me to send it to a XXXX XXXX which is his wife XXXX family name so I didnt think twice about it. I sent the money and then call him to see if he received it but when he did not answer, I called his wife. I explained what happened and she said my brother was at work and they do not have a XXXX XXXX in their family and do not know who that is and I have been scammed. I immediately contact Cash App Support, and was given the runaround. The support chat advise me to contact block law enforcement response team. I contact them and was given a confirmation reference # XXXX  I also notified my XXXX XXXX Sheriff Department XXXX XXXX XXXX on XXXX XXXX my @ XXXX and spoke with XXXX XXXX and was given case # XXXX  - XXXX and assigned Investigator XXXX XXXX. Investigator XXXX submitted a subpoena to Cash App MessagesLaw an enforcement portal on XX/XX/2023 waiting for a response. I called today XXXX XXXX for an update and was told he submitted a 2nd subpoena.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: NJ

Complaint narrative:
There were no changes. Please see attached my disputes for accounts thats not mine.

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 2024-01-18 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: Kriya Capital, LLC
State: IL

Complaint narrative:
I never had an account with XXXX XXXX XXXX XXXX is fraudulently reporting this information to my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc.
State: MD

Complaint narrative:
XX/XX/XXXX I received a letter from the Borrower 's Defense stating that all XXXX of my loans ( which was all of them listed on the letter ) were forgiven and discharged. Then recently I received a letter which stated that I owed {$8.00} ( Account XXXX Statement date XX/XX/XXXX ) but when I called the Nelnet number on the letter it was saying that I owed a little over {$55.00}. I spoke to a representative and at first she kept saying that there was still a claim on XXXX of the loans but once I gave her the date of the letter from Borrower 's Defense she then stated that they were just probably moving slowly on processing to release those loans because they had received notification that all loans were forgiven/discharged. She also stated that I was owed a refund in the amount of {$2300.00}. She suggested that I call the Borrower Defense and I did and they stated that they don't know what the balance is coming from but it is Nelnet trying to charge me {$120.00} but they can't tell for what loan. I told them that I only had XXXX loans and they were all forgiven so I don't know where that is coming from either. I am consistantly receiving emails, text messages, etc. stating that I owe something but that isn't correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of america closed my checking and savings account without my written consent to do so, and without my permission, without having written expressed consent. I did not receive any notice before, doing or after they closed my accounts. when I extended my credit to open the accounts.

Bank of america have violated the truth in lending act, Regulation x, y and z.

They have violated 31 cfr 357, and the gramm-leach- bliley act ( 12 usc 1811 ), 15 usc 1681, 15 usc 1681c-2, 15 usc 1681e, and 15 usc 1 15 usc 6802a 1-3, 15 usc 6802 b a-c 15 usc 6801 they have reported the closing of all of my checking and savings accounts and now they are affecting me personal, financial and has cause me harm. These accounts have been open for over XXXX  years and who gave them permission to closed them? and also they where charging fees which are against the law, and they need to be held accoundable for all of the fraud and deceptive practices they are involved it.

they have violated my rights, and my privacy without my written expressed consent.

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 2024-01-18 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: LA

Complaint narrative:
My information such as my social security number and address and other personal information was breached in XX/XX/2023 twice by two different companies. I put a freeze on my credit report as soon as I was informed in writing. I now have to check my credit report every week because Equifax, XXXX and XXXX, Bankruptcies and debt collectors are sharing my personal information to third parties without my authorization and or written content. According to 15 U.S.C. 1681b ( 2 ) this is illegal. I would like to have all negative items removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Force to go to court and fill out a agreement for payment in fear of garnishing my paychecks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have contacted Penfed Credit Union numerous times and requested my auto loan to be reported to my credit profile. I opened the loan XX/XX/XXXX. When I started calling PenFed about the missing information, I was asked to upload my credit reports to their portal which I have completed XXXX times. I was then sent several letters for different reasons on why it wasn't reported. After calling and explaining the account has never shown on my report is when they stated the credit companies are verifying the account is reporting. I asked the CSR to provide me with the information that the credit companies stated this, they did not. I then received another letter stating that PenFed notice an issue with my credit profile and sent an update to the credit companies and this could take XXXX  days. That was XX/XX/XXXX, I believe. On XX/XX/XXXX I finally received a call from a manager after months of requesting someone to call me back about my issue. He requested I submit the documents yet again for the XXXX  time. On XX/XX/XXXX I called XXXX and requested for my credit profile to be reviewed and the CSR verified that no car loan from PenFed was reporting and has never reported. She also stated there isn't an investigation shown on my report if there was, I would have received a letter in the mail. The CSR then created a case # XXXX and transferred me to the Disputes Department and that CSR advised I would need to call PenFed and Request XXXX things 1. Full Account Number and 2. Subscriber Code. When I called the CSR XXXX informed me, she would provide me with the full account number she sent a code to my phone and then placed me on hold to find the subscriber code from someone else. Once she returned, she did not have the subscriber code she stated no one knows what that is, not even a supervisor. As of today XX/XX/XXXX, my PenFed Credit Union has not reported accurately to my credit profile after XXXX months of paying on time payments to the 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 non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 non-monetary relief
Consumer complaint received 2024-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 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 of 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 non-monetary relief
Consumer complaint received 2024-01-18 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:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 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 of 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 2024-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WAFD BANK
State: OR

Complaint narrative:
I was unable to access my funds due to an unjustified bank hold. The bank teller called XXXX and falsely reported an XXXX XXXX sending the entire police force XXXX XXXX to kick in my door. I still don't have my money the bank the check came from cleared on their end but I still don't have my funds many XXXX XXXX XXXXXXXX XXXX forced us hands in the air they ordered me down I'm so traumatized

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Late Payment Dispute for dates XXXX, XXXX and XX/XX/year> for account ending XXXX. The late payments referenced herein violates my rights as a consumer and pursuant to the legal authority 15 U.S.C. 1681 ( a ) ( 2 ) ( A ) ( i ) as the consumer reporting agency, you have failed to uphold your legal responsibilities. Pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, this account reports alleged late payments that have not been verified or proven per to the legal authority 15 U.S.C. 1666 ( a ) and ( b ). As a result, and pursuant to the legal authority 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) the consumer reporting agency shall promptly delete an item found to be inaccurate, incomplete or can not be verified. The reporting of negative transactions pertaining to this account violates 16 CFR 313.4 313.9 without my permission and portrays me in a false light without proof of claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
The most recent date is XX/XX/. Amounts : {$4.00}, {$4.00} and {$49.00}. I got charged {$36.00}, {$36.00}, and {$36.00} for each transactions. I called XXXX representative and she refused to help me. I called another time and talked with another banks representative complaining that the bank should not charge {$36.00} for every transaction since XXXX were below {$50.00}, the representative said that she was not aware of this banks policy. I asked to speak with a supervisor, and I was told that no one is available. After being persistent, the representative said that she was going to contact her manager by an email ; after a long waiting ( over XXXX minutes ) she said that her manager refused to refund me any fees.

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 2024-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I sent a payment to XXXX Credit Card in XXXX. It was processed by JPMORGANCHASE and withdrawn from my checking account on XX/XX/XXXX. XXXX said I never made a payment so I sent them a copy of cancelled check and back of check for who and when they cashed it. XXXX said they would do nothing about it and I had to get it from JPMORGAN. After XXXX days and being on hold off and on for XXXX minutes they said they would not do anything because I don't have a card with them. So I asked her why they took my money then. 
JPMORGANCHASE owes me {$210.00}.

Company response to consumer: Closed with explanation