vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida, XXXX XXXXXXXX XXXX XXXX Subject : Dispute of Civil Liability under 15 U.S.C. 16810 for Non-Compliance I am writing to formally dispute the claim of civil liability for non-compliance, as referenced in your communication dated [ insert date of claim ]. You have indicated that I may be in violation of **15 U.S.C. 16810** ( Fair Credit Reporting Act ), and I wish to address this claim with the following points : 1. **I Have Fully Complied with FCRA Reporting Obligations : ** - I have ensured that all information provided to the credit reporting agencies is accurate and up-to-date. Specifically, I have reviewed my credit report regularly and addressed any discrepancies immediately. As per the FCRA, I have made sure that all updates to my credit report have been handled in compliance with the required timelines. I have not knowingly or intentionally submitted inaccurate or misleading information. 

2. **Lack of Proper Notice or Opportunity to Correct : ** - Under the FCRA, I understand that individuals must be notified when a potential negative item is being reported. However, I have not received any formal notification or a proper opportunity to correct any alleged error. If the dispute is related to inaccurate or outdated information, I have not been given a fair chance to resolve it within the statutory time frame. As required by the FCRA, I would have expected a 30-day period to respond to such notifications, which was not provided. 

3. **Potential Error or Misunderstanding Regarding Timeliness or Reporting Procedure : ** - There may have been a misunderstanding related to the reporting or update of certain information. I have made all necessary corrections in a timely manner, and I have corresponding documentation to support this. For example, I submitted an update request to the relevant credit reporting agency on [ insert date ], and I have confirmation of receipt from the agency, showing that my request was processed in compliance with the FCRA regulations. 

In light of the above points, I respectfully request that this claim of civil liability be thoroughly reviewed and dismissed, as I have acted in full compliance with the applicable sections of **15 U.S.C. 16810**. I also request that any negative records associated with this claim be corrected or removed to reflect my adherence to the law.

Please acknowledge receipt of this letter and provide me with a detailed written response outlining your findings and next steps. I am available to discuss this matter further if necessary and look forward to your prompt resolution of this dispute. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: VA

Complaint narrative:
The debt collector Resurgent Receivables has an outstanding debt on my credit report with increasing interest accrual however I never received notification of debt from them, right to dispute from them, or any communications from this debt collector. My email has stayed the same since the original creditor has emailed me, so I know that they have my contact information. This seems like a shady attempt to wrack my debt up until its highly profitable for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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:
Dear CFPB, I am filing this complaint regarding the handling of my credit disputes by TransUnion. For the past six months, I have been disputing inaccuracies on my credit report, which I believe are negatively impacting my credit profile. Despite my repeated efforts to address these issues, the credit bureaus have failed to take appropriate action. 

Instead of thoroughly investigating and resolving my disputes, I have only received stall letters that do not provide any meaningful updates or resolutions. This lack of responsiveness and transparency is frustrating and does not comply with the Fair Credit Reporting Act ( FCRA ), which mandates timely and accurate investigations of disputes. 

I request your assistance in ensuring that these credit bureaus investigate and resolve my disputes as required by law. 

Thank you for your attention to this matter. 

Sincerely, 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 2025-01-24 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Request for Removal of Accounts Due to Data Breach Dear XXXX, I am writing to formally dispute the presence of accounts on my credit report that were compromised as a result of the 2023 XXXX data breach, where my personal information, including sensitive financial data, was exposed without my consent. This has been confirmed via .XXXX, engagement # XXXX. The breach exposed millions of consumers ' data, including mine, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, and other applicable privacy laws to request the immediate removal of any accounts linked to this breach.

As the breach has left my personal data vulnerable to potential identity theft or fraud, I am requesting that you remove all such accounts from my credit report. Under 15 U.S.C. 1681i, you are required to conduct a thorough investigation into disputed items, and if you fail to verify these accounts as accurately linked to me, they must be removed. Should you fail to comply with this request, you may be in violation of 15 U.S.C. 1681n, which allows me to seek statutory damages for willful noncompliance with FCRA requirements.

Additionally, I request that you provide verifiable proof of each account linked to me, including the chain of assignment/custody and the original signed documents that verify I opened and/or signed for these accounts. If you can not provide this documentation, I expect the accounts to be immediately removed from my credit report.

Please be advised that any failure to remove unverifiable accounts may also be subject to penalties under the Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028, as unauthorized use of my information constitutes identity theft.

Should you fail to investigate this matter or provide the necessary proof of debt, I will pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under 15 U.S.C. 1681o, which provides for civil penalties for negligent violations of the FCRA.

Enclosed Documents : ID & proof of residence Identity theft Report Credit Report Sincerely, 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 2025-01-24 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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Accounts Due to Data Breach Dear XXXX, I am writing to formally dispute the presence of accounts on my credit report that were compromised as a result of the XXXX  XXXX data breach, where my personal information, including sensitive financial data, was exposed without my consent. This has been confirmed via .equifaxbreachsettlement.com, engagement # XXXX. The breach exposed millions of consumers ' data, including mine, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, and other applicable privacy laws to request the immediate removal of any accounts linked to this breach.

As the breach has left my personal data vulnerable to potential identity theft or fraud, I am requesting that you remove all such accounts from my credit report. Under 15 U.S.C. 1681i, you are required to conduct a thorough investigation into disputed items, and if you fail to verify these accounts as accurately linked to me, they must be removed. Should you fail to comply with this request, you may be in violation of 15 U.S.C. 1681n, which allows me to seek statutory damages for willful noncompliance with FCRA requirements.

Additionally, I request that you provide verifiable proof of each account linked to me, including the chain of assignment/custody and the original signed documents that verify I opened and/or signed for these accounts. If you can not provide this documentation, I expect the accounts to be immediately removed from my credit report.

Please be advised that any failure to remove unverifiable accounts may also be subject to penalties under the Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028, as unauthorized use of my information constitutes identity theft.

Should you fail to investigate this matter or provide the necessary proof of debt, I will pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under 15 U.S.C. 1681o, which provides for civil penalties for negligent violations of the FCRA.

Enclosed Documents : ID & proof of residence Identity theft Report Credit Report Sincerely, 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 2025-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 
I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. Since adequate notice was not given as per the above- mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ). Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors and unfair credit card practices. From your end, I have not benefited from this transaction which is again a violation of 15 USC 1602 ( p ). According to 15 USC 1602 ( p ), the term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. I hereby request you to do the below- mentioned things ; DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

If you accept my request, I will not escalate this matter to Federal Court. In case you dont accept the above requests, legal action shall be taken against your Company for compensatory damages. Thank you for your attention to this matter. Sincerely, : XXXX XXXX. All Rights Reserved Without Prejudice UCC-1308

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I received a text message asking if I was trying to make a purchase for {$400.00} it said reply Yes or No. I replied No. Then I received another text saying they will call me to verify. I answered the call and the person was very convincing they put me on hold and even had the elevator music while I was waiting on hold for them to ask their supervisor on instructions. Then they asked me to move all my funds into my checking account from my Chime credit and savings and in order to switch accounts I will need to send this money to such such I had a eerie feeling right then and there I shouldve hung up but I sent the money thinking it was going into a new Chime account. As soon as I sent the money they hung up. I tried to file a dispute with my Chime Bank and they told me to get a police report and I did then the deputy told me to contact the Federal Trade Commsion. Im in the process of re opening my dispute with my bank as soon as I send this because I now have a reference number regarding my police report. And now hopefully this proves to them I am not lying I got scammed for {$430.00}. My police report ref # is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Credit Karma, LLC
State: NC

Complaint narrative:
I reached out to Credit Karma online because there was an inaccurate debt listed on my credit I was not aware of. I filed a dispute to remove the inaccurate debt. I filed the dispute online XX/XX/year> at XXXX pm and by XXXX pm Credit Karma agreed that the debt was in fact inaccurate. They removed the debt in XXXX minutes without conducting the proper due diligence and following their dispute process. The account was removed, and my credit score went down XXXX points due to removing an inaccurate debt. My payment history is XXXX % on time, I am using less than XXXX % of available debt and I have a healthy mix of debt. How can my score go down XXXX points for removing an inaccurate debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: NC

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were XXXX % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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: NY

Complaint narrative:
Dear Equifax Customer Service, I am writing to request a fair resolution regarding the data breach that has compromised my personal information. As a consumer who has been directly impacted by this incident, I expect Equifax to take appropriate and meaningful actions to address the harm caused. 

As outlined in my previous correspondence, my sensitive data such as my name, Social Security number, date of birth, and financial account details were potentially exposed due to the Equifax data breach. This is an unacceptable violation of my privacy and puts me at significant risk of identity theft and financial fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
XX/XX/year> I applied for a credit card and checking account with Truist Bank. I was approved with a {$2500.00} credit card limit and approved for a checking account. After receiving the credit card via U.S. mail I activated it and attempted to use it for gas. It was declined at the gas pump. I called customer service to explain what had occurred at the gas pump and was advised to go in person to the branch for assistance. The next day I went to the location on XXXX XXXX XXXX in XXXXXXXX XXXX  for assistance. I again explained the card issue and that customer service advised me to go inside location branch. She verified my identity and advised she fixed the issue. I again attempted to use card for fuel at the pump and it was declined. I called customer service and spoke with a supervisor. She asked me for verification and advised me she would remove the restriction from card, but I needed to go into branch near me in XXXX XXXXXXXX XXXX. I arrived to location to have card unblocked and close my checking account. After closing my account I went to the teller to withdraw the funds. The teller called the manager to assist him and both continued viewing notes on computer. The branch manager asked me to come in her office to again verify my identity and contact customer service supervisor I previously spoken with. I again was told she would unblock the credit card, but did not comply. Truist Bank failed to perform and breach of contract. They have been soft pulling my credit to obtain and monitor my consumer reports and not honoring the contract agreement.

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 2025-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DataMax Corporation
State: NC

Complaint narrative:
The agent could not find the account that is being reported on my credit report. The agent also said that she saw a different amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: KY

Complaint narrative:
I am writing to formerly file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However due to delayed posting of charges and credits. I was unfairly charged overdraft fees. This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio recovery Assoc XX/XX/year> Amount : {$860.00} Under the Florida Consumer Collection Practices Act ( FCCPA ), Section XXXX, all debt collectors must be licensed to collect debts in Florida. Please investigate this account and remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within XXXX days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX - Balance : {$2200.00} - Account # : XXXX XXXX XXXXXXXX - XXXX : {$190.00} - Account # : XXXX XXXX XXXXXXXX - XXXX : {$530.00} - Account # : XXXXXXXX XXXX XXXX - XXXX : {$830.00} - Account # : XXXX XXXX XXXXXXXX - XXXX : {$1400.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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