vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-22 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: ID Analytics, Inc.
State: VA

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information.

I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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: NC

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XX/XX/XXXXXX/XX/year>

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 2024-12-22 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-12-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
My information was reported to be compromised and leaked via ( Capital One app ) and was used on the dark web.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: MA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-

2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX Inquiries : XXXXXXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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: MA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX Inquiries : XXXXXXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: FL

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft resulting from a recent data breach. I am requesting that you block and delete all fraudulent accounts and inquiries associated with my credit file, as permitted under 15 USC 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

Attached to this letter, you will find the following documents to support my claim : A copy of my government-issued identification ( e.g., driver 's license or passport ) A copy of a recent utility bill or other proof of address A copy of the Identity Theft Report filed with [ name of law enforcement agency ] A list of accounts and inquiries that I believe to be fraudulent Please take immediate action to block the information identified in the enclosed documents from my credit report and delete it permanently, as required by law. I also request that you provide me with a confirmation letter detailing the actions you have taken.

If you need any additional information or documentation to process this request, please contact me at [ your phone number ] or [ your email address ].

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Applied for loans for new residence to focus on my health after being constant harassed by the builder. 
Harassed by the bank and credithirs have prevented me from opening a trust to safe guard my money after all persons in my power attorney failed to meet their fiduciary responsibilities. 
I have been battling with serious XXXX XXXX health issues and have had to submit numerous complaints and none by the banks have been completed and it's 6 months passed when assistance was requested.

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 2024-12-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Applied for a loan online and statement was i needed to call. 
XXXX says that reasonable accommodation are needed. 
There is nothing I need to say to the bank, I am a XXXX XXXX, I also worked in their XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If the bank needs to talk to someone it would need to implement technical controls to accommodate the consumer not the consumer to waste time and XXXX veteran to speak with a bank for a loan. 
All information for a loan is on tax documents, bank statements etc. 
If a digital experience forces a person to call it is no longer a digital experience. 
This bank unlike others have an exceptional automation team XXXX and XXXX their is no need for any customer to ever call. 
In fact that leads to possibilities for discrimination. 
The bank employees do not need to see or know the XXXX, name or identifying characteristics of a person to decide on giving a loan. 
A loan is based on numbers alone so it is said... not in my experience.

It is only the occ, internal audit and other regulators that need the person Information to ensure compliance with the law. 

Former bofa employee high risk audit team under XXXX XXXX I discovered multiple severity XXXX and XXXX findings. 
While I am not physically able to work this statement is based on the same work i did while employed. 
I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have a great understanding of the laws associated with home lending XXXX, FAIR HOUSING, FAIR CREDIT just to name a few

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 2024-12-22 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: MS

Complaint narrative:
The personal information on my credit report 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 2024-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I get multiple overdraft fees from navy federal and I have tried to switch it to where it doesnt allow them to do that and it wont let me select the option im in a bad financial situation at the moment and I honestly just dont want my account closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-22 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: MA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX Inquiries : XXXXXXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 non-monetary relief
Consumer complaint received 2024-12-22 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: MA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 non-monetary relief
Consumer complaint received 2024-12-22 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: NC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIRST CITIZENS BANCSHARES, INC.
State: TX

Complaint narrative:
My mortgage has an escrow account, and First Citizens did not use it to pay my home insurance dues. My home insurance company spoke to them on XX/XX/XXXX and XX/XX/XXXX and were told payment would be made through escrow, no problem. The bill and policy were confirmed to be received by first citizens on XX/XX/XXXX. On XX/XX/XXXX my insurance company and my husband called because our payment was past due and our policy was going to be cancelled. Both were told on the phone the check was in the mail overnighted and would arrive ups the next day. No check arrived. I called back four times on the XXXX the day our policy was to cancel and was told the check was never sent and that first citizens had not yet made any attempt to pay the bill. I was denied speaking to a supervisor, waited on hold over three hours between all the calls, and had to demand the bill be paid that day. I was told a check would be mailed by XXXX on the XXXX, which would be after the policy was already canceled. I was then told they could pay by credit card and that the bank would pay the fee. I called back two hours later and was told that the information I was given was a lie, that the credit card fee would be paid by me - for the banks mistake. They entered a request for the fee to be covered by the bank as it was the banks error and I was told I couldnt speak to the department that handles payments and that the representative I was on the phone with also was not willing to call them to get an update or to push for the payment to be made immediately. This was at XXXX on a Friday night, going into a weekend and a week with two bank holidays. No one in the office said Im sorry we will get this fixed immediately. On each call I asked for confirmation that the bill would be paid and was never given it. I called back after close of business in Texas and it still hasnt been paid. I was told Id get a call before XXXX when it was done and never got a call. My insurance company also called first citizens twice on the XXXX and emailed twice. On the phone I was never told Im sorry for our mistake we will get the payment made today. I was only ever told that it was noted that it hadnt been paid. I want my escrow account closed so that I can pay my taxes and insurance as the bank is not responsible enough to do it. I am not willing to let a bank hold my money hostage and allow me to lose my home insurance. Given that this is all the banks error I will not pay any fees to have my escrow account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Applied for a loan online and statement was i needed to call. 
XXXX says that reasonable accommodation are needed. 
There is nothing I need to say to the bank, I am a licensed realtor, I also worked in their audit department to find high risk findings. 

If the bank needs to talk to someone it would need to implement technical controls to accommodate the consumer not the consumer to waste time and XXXX veteran to speak with a bank for a loan. 
All information for a loan is on tax documents, bank statements etc. 
If a digital experience forces a person to call it is no longer a digital experience. 
This bank unlike others have an exceptional automation team XXXX and XXXX their is no need for any customer to ever call. 
In fact that leads to possibilities for discrimination. 
The bank employees do not need to see or know the XXXX, name or identifying characteristics of a person to decide on giving a loan. 
A loan is based on numbers alone so it is said... not in my experience. 
It is only the occ, internal audit and other regulators that need the person Information to ensure compliance with the law. 

Former XXXX employee high risk audit team under XXXX XXXX I discovered multiple severity XXXX and XXXX findings. 
While I am not physically able to work this statement is based on the same work i did while employed. 
I have XXXX XXXX XXXX XXXX XXXX experience XXXX, XXXX and XXXX. I have a great understanding of the laws associated with home lending XXXX, FAIR HOUSING, FAIR CREDIT just to name a few

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