vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-20 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: Security Credit Services, LLC
State: VA

Complaint narrative:
( XX/XX/22 amount of {$260.00} I am writing this due to negative marks you made on my credit. i would like this collection to be remove from my credit and all three bureaus. i need proof of my signature dealing with this collection that it belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
On Monday XXXX, XXXX  I learned that my USAA checking account had funds withdrawn using a debit card mailed to me from USAA and was delivered via XXXX to the apartment building where I live. XXXX left the envelope in the mailroom without informing me of that fact. Someone had taken the XXXX envelope containing my Debit card and was able to activate the card and charge 24 fraudulent transactions totaling {$610.00}. I immediately informed my bank ( USAA ) of the fraudulent transactions and filed a formal complaint rather than crediting back to my account the amount of the fraudulent transactions, USAA wanted me to wait up to 45 business days for them to finish conducting an investigation, while at the same time charging me {$29.00} insufficient funds fee. Because USAA is denying my requests to credit back to my account the amount that was fraudulently taken from my checking account USAA is effectively denying access to my funds causing me financial distress and causing me not to able to pay my bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) says that companies that collect and share people 's financial information must be fair, impartial, and respect privacy. XXXX and XXXX are these companies, and I'm a customer. I have the right to keep my private information private, as stated in the Gramm-Leach-Bliley Act ( GLBA ).

The GLBA states that financial institutions, like those that share info with credit agencies, have to respect customer privacy and keep info secure.

The FCRA also says that credit agencies can only share my info if I give them written permission, according to 15 USC 1681 section 604 ( a ) ( 2 ). I never gave this permission, so they can't share my info without it. They also didn't tell me how to stop them from sharing my info, which they're supposed to do under 15 USC 6802 ( b ) ( c ).

Another part of the FCRA, 15 USC 1681C ( a ) ( 5 ), says that credit agencies can't share negative info about me without my permission, unless it's about a crime more than seven years old. They're sharing negative info about me without my permission, which is against 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ).

Furthermore, if someone knows that the info they're sharing about me is wrong, they're not allowed to share it under 15 U.S. Code 1681e. Credit agencies are supposed to have rules to avoid sharing wrong info and only share info for certain reasons.

Lastly, under 12 CFR 1016.7, I have the right to tell them to stop sharing my info at any time, but they didn't inform me of this right. So, I'm telling them now that I don't want them to share my info anymore.

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 2024-03-20 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: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) says that companies that collect and share people 's financial information must be fair, impartial, and respect privacy. XXXX and XXXX are these companies, and I'm a customer. I have the right to keep my private information private, as stated in the Gramm-Leach-Bliley Act ( GLBA ).

The GLBA states that financial institutions, like those that share info with credit agencies, have to respect customer privacy and keep info secure.

The FCRA also says that credit agencies can only share my info if I give them written permission, according to 15 USC 1681 section 604 ( a ) ( 2 ). I never gave this permission, so they can't share my info without it. They also didn't tell me how to stop them from sharing my info, which they're supposed to do under 15 USC 6802 ( b ) ( c ).

Another part of the FCRA, 15 USC 1681C ( a ) ( 5 ), says that credit agencies can't share negative info about me without my permission, unless it's about a crime more than seven years old. They're sharing negative info about me without my permission, which is against 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ).

Furthermore, if someone knows that the info they're sharing about me is wrong, they're not allowed to share it under 15 U.S. Code 1681e. Credit agencies are supposed to have rules to avoid sharing wrong info and only share info for certain reasons.

Lastly, under 12 CFR 1016.7, I have the right to tell them to stop sharing my info at any time, but they didn't inform me of this right. So, I'm telling them now that I don't want them to share my info anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Since XX/XX/XXXXXXXX XXXX XXXX I have been trying to handle a fraud claim with Wells Fargo. XXXX Here is that case number. Since XX/XX/XXXX I have not heard anything from the executive office about my case other than that they are still doing research. The only research they need to do is get in touch with the claims department which is part of Wells Fargo so shouldnt take over a month. They have not tried to contact them which I confirmed with the fraud department today. On XX/XX/2024 my monthly statement came out showing only the original fraud charge of {$210.00} since they havent made a decision on the claim they decided to add interest of {$25.00} to my account setting my current balance at {$240.00}. It is a pending case and should not be receiving interest. Its against the law per CFPB website.

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 2024-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Today XX/XX/XXXX they called my son who doesnt even live with me and they harassed him to tell him where am I and they got his number online after stalking the internet and finding relatives of mine which is illegal to do. My son then contacted me and asked why I gave them his number which I never did and they admitted to getting everything online and contacting him to get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The obligation under FCRA 605B, as I understand it, is to expunge any inaccurate accounts from my credit report. Could you take a moment to examine the documents? It appears that some of the listed accounts are not reported accurately.

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 2024-03-20 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: NY

Complaint narrative:
The obligation under FCRA 605B, as I understand it, is to expunge any inaccurate accounts from my credit report. Could you take a moment to examine the documents? It appears that some of the listed accounts are not reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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 file a complaint regarding a violation of the Fair Credit Reporting Act ( FCRA ) by Experian. I looked at my report on XX/XX/year>, and noticed some things are incomplete and inaccurate. According to the FCRA, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. The following accounts are not complete and accurate. 

[ XXXX XXXX ] [ XXXX XXXXXXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX ] [ XXXX XXXX XXXX ] As a result of this violation , I have suffered financial loss and emotional distress. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure compliance with the FCRA. I also request Experian be held liable for any damages and penalties as provided for under the FCRA. 

According to FCRA 15 U.S.C. 1681S-2 : 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. 

Check attachments provided

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 2024-03-20 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: IN

Complaint narrative:
I did not authorized these inquiries and considered to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have disputed multiple transactions with 3 different banks like Citibank, XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX about money being stolen from my account to make various large purchases, people withdrawing money from my account at banks and even taking vacations using my debit cards. I have tried to plead with the banks to fix the issue, but instead of refunding my money, they all say it is my fault and they will not refund my money and I have lost over {$120000.00} in the last 8 months and I don't know what else to do.

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 2024-03-20 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: IN

Complaint narrative:
These inquiries under my credit report were not initiated by me.

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 2024-03-20 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: NY

Complaint narrative:
I am the victim of identity theft. I have reported this information to the credit bureaus and they do not respond to me at all. The information attached here is proof of the theft and the accounts here were not opened or authorized by me as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: NY

Complaint narrative:
I am the victim of identity theft. I have reported this information to the credit bureaus and they do not respond to me at all. The information attached here is proof of the theft and the accounts here were not opened or authorized by me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I filed two claims to charge back debit charges for canceled recurring subscriptions. Claim Numbers # XXXX and # XXXX Claim # XXXX {$89.00} for a recurring XXXX  Subscription charged to my bank card on XX/XX/XXXX, requested a refund from XXXX. XXXX sent an email on XXXX XXXX, confirming the refund. TD Bank reversed the temporary credit on XX/XX/XXXX. Bank denies a claim based on evidence provided by XXXX. I requested evidence from XXXX and sent an email to TD Bank. 

Claim # XXXX {$39.00} for a recurring XXXX  Subscription that was charged to my bank card on XXXX, XXXX, requested refund from XXXX. XXXX sent an email on XX/XX/XXXX confirming the refund. TD Bank reversed the temporary credit on XX/XX/XXXX, and caused NSF to be added to the account. Bank denies a claim based on evidence provided by XXXX. I requested evidence from XXXX and sent an email to TD Bank,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Mailed letters on XX/XX/year> to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2024-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/24 there was 3 different invoices made for {$890.00} each. I reported the transactions as fraud and I requested information about the transactions. I was promised a follow up regarding the unauthorized transactions and PayPal never responded. On XX/XX/24 I received a phone call about 2 attempts for unathorized transactionsfor {$300.00} and {$85.00}. I stated that those transactions are unathorized and PayPal promised to provide information about the transactions. I later see those charges were made on my bank account that I have linked to Paypal. I made multiple attempts through chat to get information regarding the unathorized transactions and the PayPal chat reps gave me the runaround. Different chat reps ignored my questions and concerns. I also have had a couple of chat reps abandon the chat after I point out that their responses don't answer my questions. When I filed a report thought the email system I received an email that ignored my questions and concerns.I

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-20 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:
On XX/XX/year> mail was delivered to Equifax via USPS certified mailing ( tracking # XXXX ). Enclosed in this mailing included a dispute letter ( requesting original creditor documentation ) in order to verify fraudulent accounts found on my most recent Equifax consumer credit file, or remove items. All supporting identity verification documents ( Passport, Copy of SSN Card, Notarized witness affidavit ) including address verification ( Bank statement ) were also enclosed. 

I received a letter from Equifax dated XX/XX/year>. The letter explains my dispute request has been received but information provided to verify identity does not match information on my credit file. This is complete negligence as the letter contradicts the information provided in my letter. I have wasted time & money doing my due diligence as a litigious consumer and request a fair & thorough investigation of unknown personal information & fraudulent accounts reporting on my report which I DID NOT authorize. 

Pursuant to Section 15 U.S.C 1681i ( 5 ) ( A ) ( i ) ( ii ) this information remains on my credit report unverified. I am requesting the original creditors contract ( including my signature ) or removal of unverified accounts & personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: NY

Complaint narrative:
I am known victim of identity theft. I have reported this information to the credit bureaus already but they do not respond to my correspondence at all. The accounts on the report attached here were not authorized by me as a consumer and are the result of fraud. Please assist me in 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 non-monetary relief
Consumer complaint received 2024-03-20 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: PA

Complaint narrative:
I need to update my personal information to the credit bureaus

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 2024-03-20 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: NY

Complaint narrative:
I am a known victim of identity theft. The information contained on the reports attached to this complaint werre not authorized by me, the consumer. I have notified the credit bureaus of this already and they completely ignore me.

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 2024-03-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Personal information incorrect
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I NEED TO CHANGE MY SOFI DATE OF BIRTH FROM XXXX XX/XX/XXXX TO XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my 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 explanation
Consumer complaint received 2024-03-20 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: PA

Complaint narrative:
I did not initiated any of these inquiries.

Company response to consumer: Closed with explanation