vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
My information was sold and bought illegally because I was a victim of the + XXXX breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that! was in fact a victim of this data breach. 
According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

They are also breaking these laws as well below : According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
On XX/XX/2024, ( pretty sure of date ) I received an email that new cards were being mailed and our mailing address was changed. I called Citi ( the credit card company involved ) and asked what address the cards were being sent to. They could not tell me for privacy concerns, but they did cancel my card at my request and said they would issue a new card. Before they cancelled my online account, I logged in with username and password and checked my address. Sure enough a new mailing address had been added ( XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, NY XXXX ) though the account address remained my address in the central part of the XXXX. Before I could delete the NY address, I needed a verification code by text ( or email ). I entered the verification code and deleted the NY address. I then called Citi back and asked how the address was added ; didn't whoever added the address and requested cards have to be able to answer to my email and/or cell phone number. I was told scammers are very clever. I asked for and was given another number for the investigational team. They did not handle this type of question and referred me to the fraud department which, you guessed it, referred me back to the customer service department. We received our new cards today, XX/XX/2024. After I activated the new card, I called the fraud investigation team number and was told they only investigate charges that I report were not mine. I asked who could tell me how someone could request new cards and go through the verification process I have to go through and was told they do not handle that type of thing. I asked who did and how to determine how this happened. No answer was given and I'm sick to death of hearing apologies for any inconvenience. If Citi does nothing about this type of thing, it seems to me they are not doing their job. It seems as though they may have some internal problems and thus no one looks at fraud problems. If this isn't something they look at, they should! 
Thank you for any help you can offer. 

PS. I contacted a PI to check into this address. He suggested I contact 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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to report a serious case of identity theft and unauthorized account activity that has affected me. I recently became aware of multiple data breaches that have exposed my personal information, leading to the opening and operation of accounts without my knowledge. I believe this has had a significant impact on my financial well-being and personal security. 

I was initially informed about these data breaches through notifications on my computer browser, indicating that my sensitive information may have been compromised. Additionally, I received information from my former employer confirming that my personal data may have been part of a security incident during my tenure with the company. 

As a result of these breaches, I have discovered that accounts were opened and operated without my consent. This unauthorized activity is reflected on my credit report, causing further distress and concern for my financial stability. I have taken immediate steps to freeze my credit, but the implications of this breach are far-reaching. 

I am reaching out to you in the hope that your organization can provide guidance and assistance in resolving this matter. I understand that IdentityTheft.gov is a valuable resource for victims of identity theft, and I am seeking support in navigating the necessary steps to rectify the fraudulent accounts, protect my personal information, and mitigate any further damage to my credit.

In addition Hello, and thank you for taking the time to read this. Under 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY. These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 explanation
Consumer complaint received 2024-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX I am reporting a fraudulent inquiry found in my credit report

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 2024-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
How do I get my payment? 
Please order Wells Fargo to give me my payment. 
No, the CFPB action against Wells Fargo was not a class action lawsuit. CFPB XXXX My mortgage was in Foreclosure for 14 Years Wells Fargo XXXX offered me a modification CFPB Director Rohit Chopra noted in a statement that the Bureaus XX/XX/XXXX order and the massive fine against Wells Fargo, who reportedly has {$1.00} XXXX in assets, is only the first step in fixing the banks fundamental problems. 
Wells Fargos rinse-repeat cycle of violating the law has harmed millions of American families, said CFPB Director XXXX XXXX Improperly denied me mortgage modifications : The bank incorrectly applied borrowers payments, improperly charged fees and interest, The CFPB determined that Wells Fargo had engaged in unfair and deceptive practices with respect to its auto loan servicing business The CFPB order requires Wells Fargo to : The CFPBs investigation found that Wells Fargo violated the Acts prohibition on unfair and deceptive acts and practices. 
Provide more than {$2.00} billion in redress to consumers : Wells Fargo will be required to pay redress totaling more than {$2.00} billion to harmed customers. These payments represent refunds of wrongful fees and other charges and compensation for a variety of harms such as frozen bank accounts, illegally repossessed vehicles, and wrongfully foreclosed homes. Specifically, Wells Fargo will have to pay :

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX has been taking my loan payment of {$1400.00} since XXXX of XXXX and I have never received any credit for on time payments on my credit report. This is not fair considering they hit your credit when you apply for the lease/loan. This may not seem like a big deal, but it makes a huge impact when you are trying to get loans or credit cards.

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 2024-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
On XXXX XXXX I completed a service transaction for website consulting, processing a payment of {$5400.00} from my client through XXXX, which utilizes WePay as its payment processor. I am a freelancer and sole proprietor, and this payment was for an extensive ecommerce store build for my client. The payment was shown as processed on XXXX. 

However, on XX/XX/XXXX, WePay sent an email notification indicating the payment was put on hold and requested additional information within two days for verification purposes. Unfortunately, this email was automatically directed to my spam folder, leading to my unawareness of this request. 

Given the timing during the holiday season, combined with the email being missed in spam, I was unable to provide the requested extensive information within the given timeframe. Subsequently, on XX/XX/XXXX, WePay sent another notification, which I also missed for the same reason, and then proceeded to terminate my account, stating that the funds would be held for 120 days. This decision was made without returning the funds to my client or allowing for a payout to me, despite the completion of the contracted work and the client 's satisfaction and willingness to pay. 

Upon discovering these emails later, I promptly responded to WePay with a detailed submission of the requested information, including a signed XXXX agreement with my client, detailed email conversations validating the service and payment agreement, and the invoice showing the transactions for both the initial deposit and the final payment. 

As of XX/XX/XXXX, the funds are still being withheld by WePay, and I have been informed that due to the termination of my account, they are unable to process the payout of the funds rightfully owed to me for completed services. They did not refund the amount to my client either, so they are holding onto this money themselves. 

This has caused significant financial and professional distress, as the funds represent payment for legitimate work agreed upon and verified by both parties involved. 

I need the CFPB 's assistance in addressing this issue, ensuring the release of the withheld funds, and the unreasonable account termination by WePay. I have no interest in continuing an account with them, I only want my money they are holding onto.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I received a welcome email from American Express for a new credit card with a {$10000.00} limit. I called them and they cancelled the account and put a freeze on any future applications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion and XXXX XXXX XXXX XXXX XXXX XXXX XXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to the reporting and subsequent dispute handling of my credit information. 

Despite multiple disputes, specifically submitted on XXXX and XXXX the trade line for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Number XXXX, continues to be inaccurately reported on my credit report maintained by Transunion. This trade line fails to reflect the original 180 days late status and has remained on my credit report beyond the period allowed by the FCRA, specifically 7 years and 180 days from the date of the first delinquency. 

I also called XXXX XXXX XXXX XXXX directly, however the phone listed for contact on my credit report is disconnected. 

Furthermore, the persistent inaccuracy of this trade line and the refusal to correct or delete it after ample notification severely undermines the integrity of my credit report and significantly impacts my financial well-being. This situation represents a clear violation of the FCRA, which mandates the reporting of accurate and complete credit information and prescribes specific timeframes for negative information to remain on a consumers credit report. 

My repeated attempts to resolve this matter directly with Transunion and XXXX XXXX XXXX XXXX XXXX XXXX XXXX have been met with inadequate responses and a failure to take corrective action as required by law. Enclosed with this letter, please find copies of the disputes submitted, correspondence received in response, and any other relevant documentation illustrating my attempts to rectify this issue and the non-compliance of the involved parties. 

I respectfully request the Consumer Financial Protection Bureau to investigate this matter and facilitate the deletion of the inaccurately reported trade line in accordance with the FCRA. Your intervention is crucial in ensuring that my rights as a consumer are protected and that credit reporting practices adhere to the legal standards set forth by the FCRA. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX Enclosures : Transunion Credit Report, Loan transfer payoff from original lender,

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 2024-02-07 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: NJ

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 confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I believe I am part of the Wells Fargo settlement and have to Receive a check.

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 2024-02-07 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2024 I mailed a letter opting out of said companies reporting personal information to third-party companies such as credit bureaus, and other non-affiliated companies. I am making this complaint because I have gotten no response/effort from the company to comply with my request

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( 15 USC 1681 Section 602 ( a ) ), it is emphasized that consumer reporting agencies, such as XXXX, XXXX, and XXXX, must carry out their responsibilities with fairness, impartiality, and a regard for the consumer 's right to privacy. As the consumer, I assert my right to ensure the non-disclosure of my private information, supported by 15 USC 6801, which articulates Congress 's policy that financial institutions must actively and continuously uphold customer privacy. Under the definition provided by this title, a " furnisher of information to credit agencies '' is considered a financial institution. Referring to 15 USC 1681 Section 604 ( a ) ( 2 ), it is stated that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the relevant consumer. I want to make clear that neither the financial institution nor the consumer reporting agencies ( XXXX, XXXX, and XXXX ) have my consent to furnish this information, and they have never obtained my written consent through any means. Consequently, any and all consent granted to these entities is hereby revoked. Furthermore, as per 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless the consumer is informed about how to exercise the nondisclosure option. I assert that the " furnisher of information to credit agencies '' failed to inform me of my right to exercise this option. Highlighting 15 USC 1681 ( c ) ( a ) ( 5 ), it is explicitly stated that a consumer reporting agency may not include certain adverse items of information in a consumer report without authorization. The inclusion of adverse items without my permission is a violation of the law. Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) A states that furnishing inaccurate information to a consumer reporting agency is prohibited. Equifax and XXXX are not maintaining reasonable procedures, as mandated by 15 U.S. Code 1681 ( e ), designed to avoid violations of relevant sections. Finally, in accordance with 12 CFR 1016.7, I exercise my right to opt out of your reporting services at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX15 U.S.C 1681 sec
tion 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

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