vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
Please be advised this is my SECOND REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. In the results of your first investigation, you stated in quitting that you '' verified " that these items are being reported correctly? Who Verified these accounts? You have NOT Provided me a copy of ANY original documentation required under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under section 611 ( 5 ) ( A ) of the FCRA- You are Required to " ... Promptly DELETE all information which can not be verified. '' I Demand the account be verified or deleted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Skrill USA, Inc.
State: CO

Complaint narrative:
I filed a dispute on my account for a fraudulent transaction made on my account. My debit card was cancelled & I was issued a new one. Back on XXXX after some back & fort & sending in all my evidence I was send an email stating that Skrill ruled in my favor & that a permanent credit would be placed in my account for the disputed amount immediately. The funds were put into my account but then they immediately were taken back out. Since this time I ave been calling and emailing constantly trying to get a resolution. I needed the money to pay a bill & I ended up with a late fee because of this. Every time I call they say that the issue as been escalated & someone will get back to me within 3 days. After 3 days with no response, I call again & I am told the same again & again. I ask to speak to a supervisor & I am told that one is not available so I say I will wait to speak to a supervisor. I am placed on old for 30 mins or more then I am disconnected from the call. This as happened numerous times. I ave requested to speak to a supervisor & am told one will get back to me daily for 3 weeks now. No one still still will get back to me at all. I was told it is a technical issue and it will be fixed soon & my money will be put back into my account soon but that is what they ave said for 3 weeks now.For me to be unable to access my funds for this amount of time is unacceptable. I now am paying late fees due to my money being taken from me. The amount of time It as taken for me to try to get a resolution and to get my money back is at over 10 hours & it is unreasonable to spend that amount of time with no resolution & no response from this company. I am told every day that the issue was escalated & someone will get back to me but after tryin this for over a month, I obviously need some outside help because they are not resolving the issue or calling me or emailing me back at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: MI

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. 

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, 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 an 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 2024-11-12 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: MI

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. 

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 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 an 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 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 2024-11-12 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: LA

Complaint narrative:
My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 15 USC 1681b. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C .1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in 4 days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. see attachments

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 2024-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
XX/XX/XXXX Signed up for XXXX XXXX XXXX ( XXXX ), CapitalOne ( XXXX 's ) credit card charged {$XXXX}. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX has Three-Day Right To Cancel ) ; contacted XXXX and called XXXX ; Need to contact on Monday XX/XX/XXXX Talked to XXXX XXXX and XXXX instructed to send her an email with details ; email sent XX/XX/XXXX @ XXXX XXXX  XX/XX/XXXX {$XXXX} credited to credit card ; appeared on XXXX statement XX/XX/XXXX XXXX XXXX XXXX ( Sales person we worked with on XX/XX/XXXX ) XXXX XXXX called and XXXX XXXX a reduced cost option. Said we'd think about it. Never returned call. 
XX/XX/XXXX Date on letter of dispute acknowledgement from CapitalOne XX/XX/XXXX Received letter dated XXXX from CapitalOne with a list of requirements ; provided requested information and documentation ; mailed XX/XX/XXXX XX/XX/XXXX Sent registered letter to XXXX, XXXX XXXX signed for XX/XX/XXXX XX/XX/XXXX letter from CapitalOne saying our information was incomplete ; XXXX called CapitalOne to ask what else was needed ; talked to XXXX and XXXX ; got the run around ( call was more than an hour ) and no clear direction XX/XX/XXXX emailed XXXX XXXX about the unresolved dispute with XXXX requesting help. no response XX/XX/XXXX Sent email to CapitalOne and it was blocked so sent certified letter to CapitalOne XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX again explaining situation XX/XX/XXXX date on Letter from XXXX requiring payment plus interest. 
XX/XX/XXXX Letter dated from XXXX update of dispute informing us to contact merchant!!! 

We never used the services and have followed all instructions from both sides without resolution. Evidently XXXX acknowledged the cancelation or their service rep, XXXX would not have contacted us with another program option. 

Documentation for all interactions, i.e. correspondence, emails, phone records etc is available. XXXX has copies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

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 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 2024-11-12 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: VA

Complaint narrative:
while maintaining my XXXX XXXX account I have been charged multiple times for fees regarding OOPS for my checking account. When I made purchases with my account showing enough money to cover the transaction, the XXXX XXXX still charged me overdraft fees if the account had a negative balance once the purchase posted to the account, sometimes days later. Also, XXXX XXXX systems showed the money as immediately available to spend when I had used my cash app However, the XXXX XXXX failed to disclose that payments received after XXXX am Eastern ( and later, after XXXX pm XXXX ) wouldn't actually post until the next business day. 

XXXX Optional Overdraft Protection Fee ( XXXX ) XXXX XXXX Optional Overdraft Protection Fee ( XXXX ) XXXX XXXX Optional Overdraft Protection Fee ( XXXX ) XXXX XXXX Optional Overdraft Protection Fee ( XXXX ) XXXX XXXX Optional Overdraft Protection Fee ( XXXX ) XXXX XXXX Optional Overdraft Protection Fee ( XXXX ) XXXX XXXX Optional Overdraft Protection Fee ( XXXX ) XXXX XXXX Optional Overdraft Protection Fee ( XXXX ) XXXX XXXX Optional Overdraft Protection Fee ( XXXX ) XXXX XXXX Optional Overdraft Protection Fee ( XXXX ) XXXX XXXX Optional Overdraft Protection Fee ( XXXX ) XXXX XXXX Optional Overdraft Protection Fee ( XXXX ) XXXX XXXX Optional Overdraft Protection Fee ( XXXX ) XXXX XXXX Optional Overdraft Protection Fee ( XXXX ) XXXX continuous dates leading to 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 2024-11-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: TX

Complaint narrative:
There was a loan put in my name fraudulently. I reported it to the school immediately then I contact the service loan provider. I was told to fill out a fr aud packet I did and sent in police report signatures and everything they requested This has been going on since XXXX. The only information that the loan provider is giving me their waiting for the school to contact them back this has been going on to long and they are not doing anything about. Doing this whole process they have switched loan providers. With the latest loan provider this has been going on almost 2 years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

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 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 2024-11-12 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: GA

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 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 and list of Inquiries XXXX 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 2024-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Novo Platform Inc.
State: FL

Complaint narrative:
Hello, the XXXX Bank company froze my funds and they haven't given me any kind of response about what happened, they also don't have assistance, only by chat and they tell me that they will contact me and it never happens like that. I've been waiting for weeks and still nothing happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
Re : Notice of disputed charge to Account XXXX. [ XXXX ] I am writing to dispute a charge of [ {$XXXX} to my [ XXXX ] account on [ XX/XX/year> ]. The charge is in error I do not know the person the funds were send to and I did not authorize transaction. I was home in my bed sleep. ]. 
I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. 
supporting my position and experience. Please correct the error on my account promptly. 
Sincerely, [ XXXX XXXX ] The company declined my dispute so basically telling me its okay for my hard working money to just get taken and they dont care its no way they investigated in XXXX day because it was a holiday yesterday XXXX  XX/XX/year> the claim was submitted XXXX  XX/XX/year> I want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Trident Asset Management, L.L.C.
State: MO

Complaint narrative:
I am writing to formally request validation of the debt referenced in your recent communication dated [ XX/XX/year> ]. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt, including the details of the original creditor and the amount owed.

Please provide the following information : 1. The name and address of the original creditor.

2. The amount of the alleged debt.

3. A detailed accounting of how the alleged debt amount was calculated.

4. Copies of any documents that prove I am legally obligated to pay this debt.

5. Evidence that you are licensed to collect debts in my state.

Until I receive this information, I request that you cease all collection efforts related to this account. Additionally, if you have reported this debt to any credit reporting agencies, please notify them to mark this account as " disputed '' until the validation process is complete.

Please send the requested information to the address listed above. I look forward to your prompt response.

Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I deposited a mobile check deposit for the XXXX of XXXX with pnc. I have not gotten any of that money made available to me as of the XXXX of XXXX. They said they suspected fraud even though they have already taken the funds from the issuers account. they told me it would be available today but they decided to extended it out 10 days. PNC is defrauding me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-12 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: SC

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/93 Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal loans, credit cards, and hard inquiries XXXX XXXX XXXX XXXX with a balance of {$XXXX} XXXX  XXXX XXXX XXXX XXXX balance of {$XXXX} XXXX XXXX XXXX XXXXXXXX with a balance of {$XXXX} XXXXXXXX XXXX XXXXXXXX with a balance of XXXX XXXX XXXX XXXX XXXXXXXX with a balance of XXXX XXXX XXXX XXXXXXXX with a balance of XXXX XXXX XXXX XXXX XXXX with a balance of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX with a balance of {XXXX XXXX XXXX XXXXXXXX with a balance of XXXX XXXX XXXX XXXX XXXX with a balance of XXXX XXXX XXXX XXXX XXXXXXXX with a balance of XXXX XXXX XXXX XXXX XXXXXXXX with a balance of XXXX XXXX XXXX XXXX XXXXXXXX with a balance of XXXX XXXX XXXX XXXX XXXXXXXX with a balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of XXXX XXXX XXXX XXXX XXXXXXXX with a balance of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of both FTC Identity Theft Criminal Complaint # XXXX and # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-11-12 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: NY

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief