vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have been banking with Chase for a few years. I have XXXX personal credit cards, XXXX business checking and XXXX business credit card. Back in XXXX, my ink business card was used to make unauthorized purchases online for XXXX airline tickets. I called the fraud and dispute departments to dispute them since the merchants directed me to my bank. I provided Chase with a copy of all the evidence such as my tax returns and lease to prove that I had no tie with the person who used my credit card but I was still made liable for those charges around {$1600.00} that has been accruing interest since XXXX. I enjoy banking with Chase and have been a loyal customer and want to preserve the relationship so I really am hoping Chase can help me resolve this issue as it is causing me a lot of stress. Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I, XXXX XXXX, consumer, am ware Chex System is reporting false and inaccurate information on my consumer report which is causing my credit application to be denied or delayed and causing me emotional distress. I am requesting a copy of my most recent Consumer Report. Please see the attached. XXXX XXXX All Rights Reserved UCC 1-308.

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was going through my credit report and found out that I had an inquiry that I am not aware of

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 2024-01-05 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: MA

Complaint narrative:
collection account number : XXXX balance amount : {$350.00} XXXX  XXXX account number : XXXX opened : XXXX XXXX balance amount : {$390.00} XXXX XXXX XXXX account number : XXXX opened : XXXX XXXX balance amount : {$440.00} XXXX  XXXX account number : XXXX opened : XXXX XXXX balanced amount : {$330.00} XXXX XXXX  XXXX account number : XXXX balance amount : {$380.00} opened : XXXX XXXX XXXX account number : XXXX opened : XXXX XXXX balance amount : {$990.00} XXXX XXXX account number : XXXX balance amount : {$350.00} opened : XX/XX/XXXX 15 U.S.C 1681Q, any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 
Under 15 USC 1681B, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA.

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
collection account number : XXXX balance amount : {$350.00} XXXX  XXXX account number : XXXX opened : XXXX XXXX balance amount : {$390.00} XXXX XXXX XXXX account number : XXXX opened : XXXX XXXX balance amount : {$440.00} XXXX  XXXX account number : XXXX opened : XXXX XXXX balanced amount : {$330.00} XXXX XXXX  XXXX account number : XXXX balance amount : {$380.00} opened : XXXX XXXX XXXX account number : XXXX opened : XXXX XXXX balance amount : {$990.00} XXXX XXXX account number : XXXX balance amount : {$350.00} opened : XX/XX/XXXX 15 U.S.C 1681Q, any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 
Under 15 USC 1681B, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am writing to you to express my serious concerns and dissatisfaction with the response provided by LVNV Funding LLC and Resurgent Capital Services L.P. to my original complaint filed with your bureau ( CFPB Case # : XXXX ). The response I received is not only unsatisfactory but also appears to contain misleading or false information, which exacerbates my situation and distress. Firstly, LVNV Funding LLC claims that they sent me a letter, which I have never received. Furthermore, there is no record of such a letter in the USPS mail tracking system, suggesting that the claim of sending the letter is false. This not only misleads the CFPB but also violates my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ). Secondly, the lack of proper validation of the alleged debt, and the failure of the agency to provide clear and accurate information, has left me in a state of uncertainty and frustration. The agencies have failed to provide substantial evidence that substantiates their claim, making it impossible for me to take appropriate action or defend my position. Given these circumstances, I urge the Consumer Financial Protection Bureau to take a more in-depth look into this matter. The behavior of LVNV Funding LLC and Resurgent Capital Services L.P. raises serious questions about their compliance with federal laws designed to protect consumers from unfair and deceptive practices. I request a thorough investigation into their conduct and appropriate action to ensure compliance with the law. Furthermore, I seek guidance on how to proceed under these circumstances. The distress and potential harm caused by these unsubstantiated claims and the lack of transparency in their communication are matters of great concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
On or about XXXX XXXX XXXX XXXX XXXX added a inquiry to my credit file without consent from I XXXX XXXX On or about XXXX XXXX XXXX XXXX XXXX added a inquiry to my credit file without consent from I XXXX XXXX On or about XXXX XXXX XXXX XXXX XXXX XXXX added a inquiry to my credit file without consent from I XXXX XXXX On or about XXXX XXXX XXXX XXXX XXXX XXXX Iadded a inquiry to my credit file without consent from I XXXX XXXX On or about XXXX XXXX XXXX XXXX added a inquiry to my credit file without consent from I XXXX XXXX On or about XXXX XXXX XXXX XXXX XXXX XXXXXXXX added a inquiry to my credit file without consent from I XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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

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 2024-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
On XX/XX/23 XXXX took out a XXXX  XXXX  charge for {$330.00} I had thought I cancelled my sons tutoring in full so I called Citizens to file a claim. 
On XX/XX/23, the claim was approved On XX/XX/23, XXXX took out another reoccurring charge for {$330.00}. 

This time I called XXXX directly to make sure it was cancelled. XXXX credited my account back directly. 

On XX/XX/XXXX, Citizens debited my account {$330.00} citing an overcharge. They said that since I was credited by XXXX, I didnt need their credit. I walked them through my transactions. The rep said that she agreed and apologized for the mishap. She submitted a second review. The second review was also denied citing their original excuse! They have given me fake emails, blatantly lied to me, and have still yet to refund me for their mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against Navy Federal Credit Union for their practice of imposing excessive return item fees. Recently, I have been subjected to a series of fees that collectively amounted to the entirety of my paycheck. This action has not only been unethical, but it has also caused significant financial hardship for my family and me. 

The imposition of such heavy fees in one instance seems to demonstrate a lack of consideration for the financial well-being of members. It is distressing that an institution, which should have the best interest of its members at heart, adopts such practices that appear to be predatory and indifferent to the consequences faced by its customers. 

I urge the Consumer Financial Protection Bureau to take my complaint into serious consideration and to investigate the fee structures and policies applied by Navy Federal Credit Union. It is crucial to ensure that consumers are protected from unreasonable and burdensome financial practices. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is obligated to only report 100 % accurate information on my report and therefore need to delete anything not in line with this legal requirement. I have already notified them about this mistake I am attaching that they failing to remove from my report. They are aware of this as they are reporting it on my report. This is a FCRA violation and I will seek a consumer attorney to file action against them if it is not deleted right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: NJ

Complaint narrative:
I just look at my credit report again and according to 15 USC 1681e ( b ) you are supposed to provide MAXIMUM accuracy of my credit report. 

ACCOUNTS 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 1.DELETE THIS ACCOUNT because of 15 USC 1681e ( b ), 15 USC 1681i ( 5 ) DELETE THIS ACCOUNT because the violation of 15 USC 1681e ( b ), 15 USC 1681 ( 5 )

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 2024-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
XX/XX/2023 United collection bureau placed a collection on my account that belongs to my minor daughter who i do not have custody of

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: VA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 
These companies have refused to do work on disputes even though they're required by the law to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
XXXX XXXX XXXX a debt collection company is stating that I owe a debt to Ameri XXXX XXXXXXXX XXXX XXXX XXXX states they are the mortgage servicer for the company Ameri XXXX XXXX. The issue is I can not find any information about this company, Ameri XXXX XXXX, that I allegedly owe this debt. On my credit report, the creditor line is blank as is the line that states to whom the company, Amerifirst was sold. I am concerned that Ameri XXXX XXXX is a XXXX company. I would like proof that I owe this debt to Ameri XXXX XXXX and that XXXX XXXX XXXX  has the legal right to collect this alleged debt. I am disputing that XXXX XXXX XXXX has the right to attempt to collect this debt that I allegedly owe to Ameri XXXX XXXX. Additionally, Amerifirst Home Improvement filed for bankruptcy and surrendered their license to do business in New York State.

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Adjusters, LLC
State: MS

Complaint narrative:
I am not aware of these loans, these were not opened nor applied for by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
Subject : Urgent : Compliance Request Regarding Protection of XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ] Dear To : CAINE & WEINER XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX ( XXXX ) XXXX I trust this letter finds you well. My name is XXXX XXXX XXXX, and I am writing to you as a concerned consumer in light of the regulations outlined in U.S. Code Title 15, Chapter XXXX, Subchapter IDisclosure of Nonpublic Personal Information.

As per 6801 ( a ), it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information. Furthermore, 6801 ( b ) mandates that relevant agencies establish standards for financial institutions to ensure the security and confidentiality of customer records and information.

In this context, I kindly request that your company fully complies with the aforementioned regulations, particularly those stated in 6802 ( a ) and ( b ). These sections emphasize the notice requirements and opt-out provisions, which are crucial for safeguarding consumers ' nonpublic personal information.

I also draw your attention to 6803, which requires financial institutions to provide clear and conspicuous disclosures of their policies and practices regarding the disclosure of nonpublic personal information to consumers. I urge your company to adhere to these disclosure requirements promptly.

Ensuring compliance with these regulations is not only a legal obligation but also a vital step in building and maintaining trust with consumers. I appreciate your attention to this matter and request that you provide confirmation of your company 's compliance at your earliest convenience. 

Thank you for your prompt and diligent attention to this important consumer protection matter. 

Sincerely, XXXX XXXX XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance Owed : {$0.00}

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 2024-01-05 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: CA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX 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 2024-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I contacted Bank of America on XX/XX/2023 via mail, in regards of getting the charge off account deleted off my credit, since it is now a canceled out debt considering that it is a charge off now. I have still yet to hear anything back from them and see no changes on my credit report and it has been over 30 days.

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