vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-11 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: MD

Complaint narrative:
Since opening account, Ive been hit with multiple fees towards overdraft and Oops fees. Ive lost XXXX money and report was taken, nothing done about money taken falsely {$170.00} on XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-11 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: FL

Complaint narrative:
PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXXDEBT FINAL RULE XXXX ( B ) ( XXXX ) XXXX ( B ) ( XXXX ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX XXXX DEBT XXXX  AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX {$3600.00} XXXX {$7100.00} XXXX {$2400.00} XXXXXXXX XXXX XXXXXXXX {$5900.00} XXXX XXXX {$140.00} XXXX XXXX  {$1800.00}

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 2024-11-11 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: OH

Complaint narrative:
Navy federal charging overdraft fees even though i have oops protection

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: MI

Complaint narrative:
I believe that my personal information has been reported to your database without my explicit consent or authorization, which constitutes multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). Specifically, LexisNexis and XXXX have failed to secure my consent or provide required disclosures related to data collection and sharing. I request immediate rectification of these violations as outlined below.

Violations : Unauthorized Collection and Reporting of Consumer Information Under 15 U.S.C. 1681b, a consumer reporting agency must have a permissible purpose before collecting or reporting consumer information. LexisNexis and XXXX have collected and reported my personal data without a valid, permissible purpose, in violation of the FCRA.

Failure to Provide Required Opt-Out Disclosure and Privacy Notice Under the GLBA, 15 U.S.C. 6802 ( b ), financial institutions and related entities must provide consumers with a clear and conspicuous notice of their right to opt out of information sharing with non-affiliated third parties. In addition, under 16 CFR Part 313 ( Regulation P ), these entities are required to provide initial and annual privacy notices to inform consumers of their data-sharing rights. LexisNexis and XXXX failed to provide me with any such notice or opt-out option, violating both 15 U.S.C. 6802 ( b ) and 16 CFR 313.7 and 313.10.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Lendmark Financial Services
State: TX

Complaint narrative:
On numerous occasions I have reached out to Lendmark Financial via telephone, In-person, and online for help to either be denied or ignored. The statements for my car are coming in my husbands ( soon to be ex due to XX/XX/XXXXXXXX name ) and I am the only one making payments for the car. ( I can provide receipts ). He pays for his own separate car. I have been requesting that they change the statement to my name but it is usually met with rejection or me being told I have to apply for refinancing to remove his name. The problem with this is that I am already having issues trying to refinance, and Lendmark stated that I cant apply for another loan if I already have one open. From the beginning I should have known not to do business with these people due to the reviews but gave them the benefit of the doubt. Total price of car was close to {$8000.00}. I made a {$3000.00} down payment after hearing the ridiculous amount they wanted me to pay each month for a used high mileage vehicle. I also traded in my XXXX XXXX XXXX and was told by dealership that they credited {$200.00} for it. On none of Lendmarks statements or websites do I see a price breakdown of what was applied and where it was applied. In addition to that they stuck me with an interest rate of a little over 21 % even after the down payment. My payments come out to {$230.00} a month which does not seem fair given the down payment and my credit. Since XX/XX/XXXX of last year I have been making payments directly drafted from my bank account to Lendmark for the car. With that said and what has been calculated I should be close to paying off the vehicle but it still reflects that I owe them a little over {$10000.00}. Something seems really off about this. I also felt like they were preying on me being a new car buyer and were not very transparent in their loan processes. I recently saw an news post about customers filing a possible class action due to not being transparent about fees. After calculating I made a {$2600.00} down payment for a {$7000.00} loan. Offered trade-in $ XXXX {$2800.00} ( 12 months of payments ) = {$5600.00} paid to them since last year. Why would I still owe over {$10000.00}? And why am I being told that statements can not be applied in my name if Im the one paying for it? This all seems shady and unfair.

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

Complaint narrative:
TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Verification of Account under Section 609 Dear TransUnion, I am writing to request verification of an account listed on my credit report, as provided under Section 609 of the Fair Credit Reporting Act. I have also contacted the creditor directly, and they were unable to verify the account. The details of the account are as follows : - **Collection Agency : ** XXXX XXXX XXXX - **Original Creditor : ** XXXX - **Amount : ** {$260.00} - **Date Reported : ** XX/XX/XXXX I am concerned about the accuracy of this account for the following reasons : 1. **Incorrect Date Reported : ** The date reported is listed as XX/XX/XXXX, which is a future date and can not be accurate. 

2. **Discrepancy in Amounts : ** The highest balance is reported as {$250.00}, while the collection amount is {$260.00}. This inconsistency needs clarification. 

3. **Incomplete Information : ** The report lacks critical details such as the account type, credit limit, date of last payment, and amount past due. 

I have contacted XXXX XXXXXXXX XXXX to verify this account, and they were unable to provide the n

ecessary documentation to confirm its accuracy. Therefore, I am requesting that TransUnion provide me with a copy of the original signed contract or any documentation that verifies the accuracy of this account. I am also requesting a detailed explanation of how this account was verified. Please find attached a copy of my identification and a copy of my credit report with the disputed item highlighted for your reference. I expect your investigation and removal of the account response within the 30-day period as required by law. Please inform me of the outcome of your investigation and provide the requested documentation. Thank you for your prompt attention to this matter. I look forward to your response.

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 2024-11-11 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
1- I have had a B of A credit card ( ending in XXXX ) since XXXX with a limit of XXXX XXXXXXXX. 
2- I have always paid full balance on purchases at the end of each month.

3- I have NEVER been late on payment, all done via electronic payment from my checking account.

4- In XXXX, B of A sent me mail solicitation for a " 0 % interest for about a year '' cash transfer. I took XXXX XXXXXXXX plus {$900.00} fees. 
5- I paid the monthly payments, automatically, on time, every month.

6- On XX/XX/XXXX, I paid B of A THE ENTIRE BALANCE OF {$27000.00}. 
7- In XX/XX/XXXX, there was an unauthorized charge of {$75.00} to this credit card. 
8- I contacted B of A and the merchant several times.

9- The merchant finally credited back the card for {$75.00} in XX/XX/XXXX. 
9- B of A removed the interest of about {$3.00} in XX/XX/XXXX. 
10- B of A, wrongfully reported me to credit agencies as 30 day late in XXXX, 60 day late in XXXX, and 90 day late in XXXX. 
11- B of A failed to correct the derogatory record, EVEN AFTER the merchant admitted error, and credited me back, and B of A removed the interests.

12- B of A, wrongfully closed my account on XX/XX/XXXX. 
13- B of A, again, reported me as 30 days late in XXXX and in XX/XX/XXXX, when in fact the account had XXXX balance and was closed!

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 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : 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 XXXXXX/XX/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 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
The account is being reported as charge off and closed. I never received my copy of the 1099C to report the income. And have to inaccurate information removed. I also want to sue for damages from the fraud being committed.

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 2024-11-11 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: MO

Complaint narrative:
I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter.

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 2024-11-11 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: CA

Complaint narrative:
I bank with Navy Federal Credit Union and my family has for years. There has been multiple occasions where I will have enough money in my account then be charged an overdraft fee which causes my account to be in the negatives. I have also transferred money into my account using third party like XXXX  or XXXX to make sure i have enough and then still get hit with an over draft fee that puts me in the negatives. As of now I have no longer used Navy Federal ad my main bank due to this issue, I havent had this happen with any other bank. 

XX/XX/year> returned check fee XX/XX/year> returned check fee XX/XX/year> returned check fee XX/XX/year> returned check fee XX/XX/year> returned check fee XX/XX/year> returned check fee XX/XX/year> returned check fee {$230.00} worth of returned check fees as listed in statements

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Comerica
State: MN

Complaint narrative:
I am a victim of identity theft. Someone used my name and personal information to recently apply for and opened a Comerica Bank checking and savings account. I never applied for or opened a checking account with Comerica Bank. I have never had a checking account with Comerica Bank. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon checking my credit report, I have discovered a few fraudulent accounts, the accounts are XXXX XXXX with the account number XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX with the account number XXXX opened on XX/XX/XXXX, XXXX  XXXX XXXX  opened on XX/XX/XXXX, and fraudulent addresses XXXX XXXX XXXX, XXXX  XXXX, XXXX, FL XXXX | XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, CA XXXX | XXXX XXXX XXXX, XXXX, WA XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: PA

Complaint narrative:
This company Jefferson Capital System has reopened this account MANY of times. This a a debt that was actually supposed to have been paid by canceling a phone line with XXXX and XXXX XXXX XXXX was to take care of paying all closing costs this account is from anywhere from XXXX. The attempted contacts via phone have been ridiculous, this account should not have been reopened the multiple times it has been and should have dropped off my credit years ago. This is causing damage to my report and has become an issue when trying to better myself. Currently it was reopened XX/XX/year>, with a balance of {$1800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX was paid in full sometime XX/XX/year>. I had payments pushed to the back to the end of the loan and was not told that my maturity date would not be moved up. Apparently. even after I paid the loan off, it was after the loan should have been paid in full. XXXX XXXX XXXX reported my last payments ( {$2900.00} as written off ) on my credit report. This means they wrote that amount off as a profit loss. They failed to provide me with a 1099C so that I could write that amount off as income. They are still reporting the balance, like I still ow but it was paid in full and they wrote that amount off on there taxes getting a tax break and reporting it on my credit as if I still owe them without providing me a 1099c. This is fraud As per the FCRA, I can seek statutory damages if a creditor reports inaccurate info about a debt. XXXX XXXX XXXX did this by incorrectly reporting the debt was written off and still claiming I owe, and by not providing me a 1099C

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 2024-11-11 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: PA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being.

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
Im writing to formally request a form 1099 c cancellation of debt with account under my name that was charged off by XXXX XXXX  sold to XXXX in amount of XXXX dollars. IRS regulations section 6050p code creditors are required to issue form 1099c for debts ( XXXX ) dollars or more. Has been written off which constitutes a cancellation of debt. Please provide appropriate documentation it is essential for me to have form so I can report on my tax return.

Company response to consumer: Closed with explanation