vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-08 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: GA

Complaint narrative:
transuion XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX Construction XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Miscellaneous XXXX XXXX XXXX XXXX XXXX XXXX XXXX Miscellaneous XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Miscellaneous XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX  I didn't authorize these inquiries and I've ask them to remove the and they will not

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 2024-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

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 2024-02-08 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: NY

Complaint narrative:
I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within XXXX business days of receiving a complaint that includes the following information : XXXX XXXX : Account number : XXXX, Identity theft happened. Remove account. 
XXXX XXXXXXXX : Account number : XXXX, Identity theft happened. Remove account. 
XXXX : Account number : XXXX, Identity theft happened. Remove account. 
XXXX XXXX ( Original XXXX XXXX XXXX : Account number : XXXX, Identity theft happened. Remove account. 
XXXX XXXX XXXXXX/XX/year> : Account number : N/A, Identity theft happened. Remove account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/XXXX, the past due fee of {$40.00} appeared on my credit card account. I have set minimum auto payment, which I saw was {$160.00} on my app. When Capital One take out the money it was {$510.00}, resulting in insufficient fund fee of {$25.00} from my XXXX XXXX XXXX and past due fee of {$40.00} from Capital One itself. 

The minimum payment Capital One showed on my app differs what they actually withdrew from my bank differs. This practice is totally unfair. Capital Ones is effectively stealing money from me. 

Besides, when I was abroad, they would grey out my payment functions so I was unable to make payments a couple of times. So they could charge me late fees and they were surely able to see I was logging in from a foreign country.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: NY

Complaint narrative:
Dear Credit Credit Bureaus, I am writing to express my deep dissatisfaction with the handling of my disputes regarding XXXX accounts that I strongly believe to be fraudulent and the result of identity theft. The accounts in question are XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX 

Despite multiple attempts to bring this matter to your attention, I have yet to see any meaningful resolution. I have repeatedly requested information under UCC 11 to validate these accounts, but to no avail. It is deeply concerning that despite my efforts, these fraudulent accounts remain on my record, in clear violation of federal laws. 

Furthermore, I have submitted an affidavit of identity theft, providing clear evidence of the fraudulent nature of these accounts. However, it appears that this important documentation has been disregarded, and a proper investigation into the matter has not been conducted. This failure to address my concerns could potentially lead to legal repercussions, and I am deeply troubled by the lack of action on your part. 

I am formally requesting that these fraudulent accounts be promptly removed from my credit report, and that all necessary updates be made without further delay. Enclosed with this letter, you will find a copy of the affidavit of identity theft that I previously submitted for your reference. 

Please be advised that this is my final attempt to resolve this matter amicably before considering taking legal action. I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to pursue all available legal avenues to ensure that my dispute is handled properly and in accordance with the law. 

I urge you to take immediate action to address this situation and rectify the errors on my credit report. I expect a prompt response within [ specify a reasonable timeframe ] confirming the removal of these fraudulent accounts. 

Thank you for your attention to this matter. I look forward to your swift resolution of this issue. 

Sincerely, XXXX XXXX Enclosure : Affidavit of Identity Theft Social security number Lease with address

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 2024-02-08 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: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-08 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: CA

Complaint narrative:
I was looking into my credit report the other day and what I found made me very XXXX then I was overwhelmed with helplessness. During my investigation I found evidence that the agencies did not their job of verifying the accuracy of their reportings and this is causing me a lot of stress and XXXX, because what they are reporting is entirely 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 2024-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Ensuring punctual payments, I have never experienced delays on this account. I'm unsure why there are indications of late payment remarks on my accounts.

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 2024-02-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America contacted me today XXXX XXXX XXXX at XXXX XXXX XXXX from XXXX. They informed me that there was an attempt to try to get a credit card in my name through bank of America. The application was denied but i have a hard inquiry on my credit report. I contacted XXXX and let them know my situation they instructed me to contact you guys about this matter. please let me know the next course of action.!

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 2024-02-08 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: MA

Complaint narrative:
I was looking over my credit report and saw a hard inquiry from XXXX XXXX  on XX/XX/2022. I called XXXX XXXX  and provided them with this information. They looked me up by my social security number and I was told I never had any inquiries with them. I was instructed to fill out a fraud report by a transition representative because a hard inquiry is showing up from XXXX XXXX but XXXX XXXX  has no history of me ever applying for anything.

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 2024-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Payfare International Inc.
State: OH

Complaint narrative:
I contacted XXXX XXXX provided through XXXX XXXX this morning at XXXX hrs XXXX I was told they have no way of seeing if a direct deposit was initiated. They told me to contact payroll. For me that is XXXX as I work for the XXXX XXXX XXXX. Received a Trace XXXX from them and was instructed to give that to my bank. Contacted them again and was informed there was nothing they could do and to wait XXXX additional business days from my direct deposit date. I receive this allotment every XXXX weeks and have for the past couple years with it hitting the account on the direct deposit date every time. The last deposit was received XX/XX/2024. Im unable to get any clarity on where these funds are or if pending. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
On XX/XX/XXXX I mailed out my dispute with all three consumer reporting agencies as well as NAVY Federal CU. 

To whom it may concern, My rights as a federally protected consumer are being violated by Navy Federal Credit Union, XXXX, XXXX and XXXX by reporting late payments on my monthly consumer credit report. Navy Federal Credit Union and the above consumer reporting agencies did not disclose information to me on how to, or to give me opportunity to Opt Out before sharing or disclosing my personally identifiable financial information. 

Privacy Act of 1974 provides safeguards against unwarranted invasions of privacy by establishing a code of " fair information practices. '' 15 U.S.C. 1681 Congressional findings and statement of purpose ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 instructions of the consumer to whom it relates.

15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

Nonpublic personal information : ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution.

16 CFR 313.3 Definitions ( o ) ( 1 ) Personally identifiable financial information means any information : ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information.

16 CFR 313.7 ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

Per FCRA 15 U.S. Code 6802, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you, past, present, future, written, unwritten, verbal, and nonverbal, to disclose any payment history information.

Please remove the reporting of my payment history, Late payments are payment history and personally identifiable financial information. 


Thank you for your prompt 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 2024-02-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: MI

Complaint narrative:
In the process of refinancing my loan I discovered that Planet Home Lending had advanced my escrow account {$1300.00} and sent the payment to my township without a tax notice or bill. I am exempt from property tax. Planet Home Lending received all documentation and can confirm I am tax exempt. On XX/XX/XXXX, my escrow account was advanced {$1300.00} and was added to my loan balance. I was not notified. XX/XX/XXXX the {$1300.00} was sent to XXXX XXXX Michigan. In turn the XXXX XXXX sent the funds back on XX/XX/XXXX. My account to this date has not been adjusted. I was told by XXXX on XX/XX/XXXX the XXXX XXXX would be refunding me the amount. When checking with XXXX XXXX XXXX for XXXX XXXX she stated the funds were returned on XX/XX/XXXX. When Talking to XXXX, XXXX and XXXX with Planet Home Lending they admit there is an error but can not tell my why I am still being charge for the escrow advance. I am currently due to close XX/XX/XXXX on a refinance with a deferent lender, but will be responsible for the erroneous {$1300.00} advancement. Plant Home Lending was supposed to call me back this morning and has yet to do so. During this process Planet Home Lending did not communicate with me, until I started asking question. They did not have my permission to advance my escrow account or request me to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: NJ

Complaint narrative:
According to the FDCPA I am exercising my right as a consumer and you have violated me on multiple levels including defamation of character, invasion of privacy, harassment, and soliciting private information for financial gain! I DID NOT GIVE YOU PERMISSION TO FURNISH A REPORT ON ME. I demand remedy as is my right pursuant to 15 USC 1692. I demand you CEASE all communications with me through ALL mediums. You were also informed that this debt IS NOT mine yet you insist on trying to hold me responsible for it. Please see attached documentation for further details.

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 2024-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
As I understand it, under FCRA 605B, wrongly reported accounts should be taken off credit reports. I'm not sure what went wrong, but please check the accounts in the documents. They are inaccurately reported on my credit, causing distress. I need your help.

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 2024-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ARC Management Group, LLC
State: TX

Complaint narrative:
I was informed of some XXXXl debt that was supposedly done for me but the information was incorrect on that bill and my insurance care coordinator had been trying to get that fixed with the XXXX. The debt was sent to collections and when I spoke with the collections XXXX, he stated that he didn't need to speak with me and that their information was correct and that I needed to pay what they said or else. I tried to let the person know that my insurance stated for me to call them and he didn't want to hear it and threatened again that this debt wasn't going to be going away and he would put it against my credit.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
I had opened an account with Truist and made he qualifying deposits to receive a {$300.00} bonus. They claimed I was not eligible but under the reasons for forfeiture there was not one that applied to me.

Reasons were : Reward forfeiture will occur if : ( 1 ) the checking account is changed to an account type not included in this client offer, ( 2 ) the checking account is closed prior to the reward being deposited, or ( 3 ) the new checking account has a negative available balance at the time of qualification validation.

None of these things applied to me but they still refused to pay the bonus.

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