vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Wed, XXXX XXXX 2023 at XXXX pm I received an email from my bank ( Navy Federal Credit Union ) stating that they have received my request authorizing a one-time electronic funds transfer from my Navy Federal EveryDay Checking account : XXXX to XXXX XXXX XXXX XXXX XXXX checking XXXX XXXX in the amount of {$5000.00} Date to transfer XX/XX/2023. The online transaction listed the name XXXX XXXX XXXX. 
Thu, XX/XX/2023 at approximately XXXX XXXX I contacted Navy Feder Credit Union via phone to inform them that this was not my request, and that I believe this was FRAUD. They said they believed my account was " compromised '' in my term it was hacked. I followed all of their instructions to close my existing checking and savings accounts, open new ones and change all of my account usernames and passwords, including my personal email. 
Since then I have received " XXXX '' information from them confirming I reported this FRAUD. I called in on Sunday, XX/XX/2023 around XXXX XXXX XXXX and after being on hold for a very long time and transferred three different times, I found someone who provided me with a REPORT FRAUD letter noting a Confirmation Number. Which basically disclosed to me that I would go to jail if they deemed my report of this FRAUD to be incorrect. 
Today Tuesday, XX/XX/2023 at XXXX am PT I received an email titled Brochure/Form Request. This e-mail thanked me for allowing them to assist me today, and stated the Form ( s ) and/or brochure ( s ) I requested can be located by clicking the following link. This led me to a Navy Federal Credit Union Declaration of Forgery/Fraud form 2 pages of information I must supply to them although I have no idea what information is required here. It instructs me that the entire form must be completed and returned to Nave Federal in order for this claim to be processed. It also asks me to provide any documentation relating to the claim ( e.g., police report, original forged documents ). 
I will now have to go to a Navy Federal Credit Union local Branch to figure out how I fill out this form as the information it requests is in bank speak and I have no idea what these terms mean. 
I need my {$5000.00} back or I will be unable to provide for myself, and my expense obligations ( rent, food, power, etc ). 
Why aren't they addressing this with me? They mentioned it could take 90-120 days to complete their " investigation '', however it appears to me that they have done absolutely nothing at all to recoup my lost funds from XXXX XXXX XXXX which should have been stopped and reversed that next day! 
So frustrated and worried. Please help me understand this procedure if you can.

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 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, 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: NV

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 confidentially under 15 USC 1681. 

ACC NAME : XXXX XXXX  # XXXX # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A.States i have the rights to privacy.

15 U.S.C 1681 Section 604 Section 2 : it also states a consumer reporting agency can not furnish a account without my wriiten 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 consmer 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 non-monetary relief
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, 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: NV

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 confidentially under 15 USC 1681. 

ACC NAME : XXXX XXXX  # XXXX # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX  XXXX # 15 U.S.C 1681 section 602 A.States i have the rights to privacy.

15 U.S.C 1681 Section 604 Section 2 : it also states a consumer reporting agency can not furnish a account without my wriiten 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 consmer 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 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
As of XX/XX/XXXX, I have noticed fraudulent accounts and inquiries that are holding me back from moving forward with my credit and helping my daughter getting a better school and also a better school Districk and a house for my daughter and my family due to my credit and my credit profile and was reporting on it and also my consumer reports below is a list of inquiries that must be removed permanently in indefinitely due to the fact, they are fraudulent as of identity theft INQUIRIES LIST XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX 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 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX my credit report shows 1 unauthorized credit inquiry from Equifax mortgage company. Inquiry was provided in written letter to credit bureau along with proper identification and Identity theft report, as requested. Since then I have made over three attempts to contact Equifax to remove inquiry from file, however, they have not done so. They have misplaced documents as well as not complied with the laws. According to the law by obtaining my Equifax consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). Please have inquiries removed from my credit file immediately, as it is in fact, an unauthorized and fraudulent inquiry. Please note, according to the FCRA ( Fair Credit Reporting Act ), legally these unverified and unauthorized accounts MUST be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX, XXXX XXXX, XXXX XXXX A XXXX XXXX, XXXX Investigation Request Letter Date of Birth : XX/XX/1997 SS # : XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of, which made me write to you all.Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want those accounts deleted because they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation.

Procedures in case of disputed accuracy. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) covers the general investigation overview, the extension of the period to reinvestigate, and the limitations on extension of the period to investigate, while 1681i ( a ) ( 2 ) covers the promptness in how the bureaus must handle the notifications. 1681i ( a ) ( 3 ) covers if and how the bureaus can determine if a dispute is frivolous or irrelevant, all the way to 1681i ( f ) ( 3 ) where it governs how a CRA notifies a consumer through a reseller and others who furnish third party disputes free of charge, etc. Please investigate the following accounts and remove them for not authorizing my personal information to be verified.

I demand the following accounts be verified or removed immediately. 
Name of Account : XXXX XXXX Account Number : XXXX Action Requested : Cancel Contract. Please provide the original contract or delete. Victim of Identity Theft. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have rights 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 instuctions.

Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed. I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file. I want the investigation outcome to be sent to my address I put on the from area. 


Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it 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 non-monetary relief
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Under USC 1681g, I request that you remove these fraudulent accounts from my credit report within 15 days. These accounts do not belong to me and I have no knowledge of them. I have attached the necessary documents for your review. Thank you

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 2023-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
Late XX/XX/2023 I received a text notification on my phone from XXXX that a collections account was added to my credit report. Upon reviewing the most recent credit report I confirmed that a collections account was added by Allied Collection in XXXX XXXX. The original creditor being a XXXX XXXX XXXX. I have never had any business dealings with this XXXX XXXX XXXX. I asked the collections agency to research the account in more detail and provide me information about the debt. They refused to do so, instead responded to XXXX within 24 hours that the debt was valid. I informed both XXXX and Allied both verbally and in writing that I dispute this debt under FCRA and requested this false account be removed from my credit report immediately. This is identity theft or a mistaken identity issue. I informed XXXX and Allied Collections that I have a XXXX XXXX XXXX son with the same name ( XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX that is using my identity to open up credit lines at casinos to support his drug and gambling habits here in XXXX XXXX. I added a fraud alert to my credit report as well as a hard freeze on my credit report. I have millions of dollars of credit, XXXX XXXX  score, and would never fail to pay a {$300.00} bill. This is illegal collection of debt by Allied Collections.

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 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
In accordance with the fair credit reporting act. The list Of accounts below has violated my federany Protected Consumer rights to privacy and Confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX Account number : XXXX XXXX  Date opened : XXXX XXXX Account mame : difice of the attorney General Account number : XXXX XXXX  Date opened : XXXX XXXX XXXX Account name : XXXX XXXX XXXX  Account number : XXXX XXXX Date opened : XXXX XXXX Account name : XXXX XXXX XXXX Account number : XX/XX/XXXX Has Violated my rights. 15 U.S. c 1681 Section 602 A States i have the right to privacy. 15 U.S.G 1681 section 604A Section 2 : it also states a Consumer reparting agency can not furnish a account without my written instructions. 15 vis. 1681 c ( a X5 ) section States no consumer reporting agency may take any consumer sepost containing any of the following items of information any other than records of Convictions of crimes Which antedates the report by more than seven vears. 15 US. C 16815 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.

privacy and Confidentiality under 15 USC 1681.

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 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act. The list Of accounts below has violated my federany Protected Consumer rights to privacy and Confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX Account number : XXXXXXXX XXXX Date opened : XXXX XXXX Account mame : difice of the attorney General Account number : XXXXXXXX XXXX Date opened : XX/XX/XXXX Account name : XXXX XXXX XXXX Account number : XXXXXXXX XXXX Date opened : XXXX XXXX Account name : XXXX XXXX XXXX  Account number : XX/XX/XXXX Has Violated my rights. 15 U.S. c 1681 Section 602 A States i have the right to privacy. 15 U.S.G 1681 section 604A Section 2 : it also states a Consumer reparting agency can not furnish a account without my written instructions. 15 vis. 1681 c ( a X5 ) section States no consumer reporting agency may take any consumer sepost containing any of the following items of information any other than records of Convictions of crimes Which antedates the report by more than seven vears. 15 US. C 16815 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.

privacy and Confidentiality under 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ARE ALL UNAUTHORIZED INQUIRIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
They offer a balance transfer for 15 months 0 interest But after 2 months start to charge XXXX interest

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: CA

Complaint narrative:
Hi my name is XXXX I been a victim of identify theft which has cost me a lot. I lost job opportunities even living a better environment. Thanx to my negative credit which I already did what ever all the credit agency ask for is to file a police report and to lock n freeze my credit. Not to long ago I got denied housing for the wrong information been on my credit report which I already sent all document la and is still on my record. Whats going on please get that of my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XXXX XXXX I was in the process of making a deposit in a Bank of America ATM. In the process of making a deposit of approximately 30 checks the ATM shut down and rebooted. After the machine rebooted all evidence of my deposit was lost. 

I immediately contacted the number on the ATM machine to file a complaint. I was sent to the claims office where the person answering the phone told me the bank had no responsibility for this problem and that unless I could provide copies of all the checks they would not be able to help me. I have called the bank about this problem and explained the checks were in the ATM machine, I was told we need to look into this, no resolution or confirmation that the Bank has a responsibilty to obtain the checks from the ATM that was in a branch.

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 2023-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Back in XX/XX/2022 I had my car broken into in front of my home. I had a check from my business to myself that was already cashed, in my car. The thief stole my check and created a fake check which he then cashed at a XXXX XXXX XXXX. I tried called my bank, M & T bank, as well as the bank that cashed the check, XXXX XXXX XXXX, and I was told 1 ) to call the other bank ( they kept sending me back and forth ), and then finally 2 ) my M & T Bank representative said that she can not do anything since there are no laws to protect business check fraud, and they can not force XXXX XXXX XXXX to give the {$2000.00} back to M & T so they can give it back to me, so I have not been able to receive my money since XX/XX/2022. I was told to call my congressman for help but never told about CFPB until I read about it in a newspaper, and now I am filing this complaint. It seems that the banks are not willing to do anything about this because its a business checking account and there are no laws to ensure they will get their money back so they don't want to give me my money back, even though the check was an obvious fake.

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