vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-22 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: SC

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 non-monetary relief
Consumer complaint received 2024-03-22 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: WA

Complaint narrative:
I have received 2 or 3 notifications about a { supposed } checking account I have with the Navy Federal Credit Union. 

I called the number on the notification XXXX XXXX to resolve the issue. 
It seemed to me that I reached a legitimate organization from the professionalism of the person I spoke to. He said since he didn't find an account by searching using my name, the only way he could assist me was with my SS number. He said he understood if I reluctant to provide the information and added that he wouldn't provide his in a similar situation. 

That is why I felt I was actually reaching the Navy Fed CU.

I ended the call and contacted the WA State Attorney General 's Office and was referred to the FTC. I logged on there and based on the prompts was sent to Consumer Finance.

I have previously had issues ( many years ago ) when one of the credit bureaus got hacked. I began receiving Fraud Alerts from my CC companies and had to be issued new cards and the whole set of fun and games that goes with ID Theft. 

I hope that there is some way that you can assist me in finding out if this another ID Theft, phishing scam or something else Serious that I need to deal with.

Before logging on I quickly checked my Online Banking info and didn't detect anything unusual, but it was a cursory check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a dispute for the amount of {$18000.00} and they divided that in to different claims Claim # XXXX for {$10000.00} Claim # XXXX for {$4800.00} filed and sent them police report and they keep saying I gave permission for those transactions but yet they credited me for {$900.00} claim XXXX thats part of the same claim so I dnt understand how they approve one part of the claim but not the other of they are all the same incident

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 2024-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally bank failed to deliver payment on a wire which was scheduled on XX/XX/XXXX to be paid on XX/XX/XXXX. 
Evidence attached showing the date of request using their website, and authenticating using their methods. Upon completion I received email confirmation of the request and it was 100 % accurate. The confirmation stated the wire would be sent by XX/XX/XXXX at XXXX. 

Ally did not send the wire xfer until XX/XX/XXXX Recipient : XXXX Amount : $ XXXX, XXXX Request Date : XX/XX/XXXX Request # : 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 monetary relief
Consumer complaint received 2024-03-22 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: FL

Complaint narrative:
I had fraudulent charges on my XXXXXXXX XXXX business card. Attached is the police report. 
Both XXXX and XXXX were punctual about getting this removed. I had an XXXX credit score before this and have never missed a payment in my life. However, Experian still has yet to get this done and needs to asap. Its affecting the purchase of me and my wife 's home. 

We noticed these fraudulent transactions when we were making our monthly P/L statement. It is clear as day these charges were outside of our typical scope of purchase. The business cards were very rarely used for anything outside of purchases that were made online or via internet application. As soon as these charges were recognized it was immediately called into the XXXX XXXX  and they were reversed. However, on the original call a few of the smaller charges were missed. This was simply focusing on amending the initial discrepancies noticed ( of course that being the larger transactions ). The mindset was as long as the bigger issues were taken care of we were willing to take the loss on the smaller ones, not realizing this would have cause any issues. XXXX XXXX then caught this randomly and rebilled everything because we didnt claim the smaller transactions initially. They requested we do a police report, so we did. We reached out to XXXX XXXX ( spent a total of probably XXXX hours on the phone with the bank at this point ) and they opened an investigation. We contacted all the merchants directly and none of them worked with us. Apparently one of the merchants ( a strip club ) the fraud took place told the bank that they ID before letting people use the card. We contacted the merchant and they provided no copy of an ID or anything. They clearly lied to the bank to keep the money. Now XXXXXXXX XXXX is refusing to refund these charges ( totaling almost $ XXXX ). The banks response after submitting a requested breakdown of every transaction and police report was that we needed additional documentation. I asked what documentation could I could I possibly come up with as I have submitted every document possible and done everything possible.

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 2024-03-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEAE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT. 

Please REMOVE and DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNT FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 

CREDENCE RESOURCE MANA ( Original Creditor : XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
During the COVID pandemic I lost my job and my mortgage provider SPS Mortgage offered me a 3 month forbearance and stated that I did not have to make payments during the approval process. I was assured by several representatives including XXXX XXXX that I would not receive any penalty during this time period and that no action would be taken against me or the property. Then on XX/XX/2021 without any warning they referred my mortgage for foreclosure and charged me a {$1000.00} attorney fee. When I confronted them about the issue they stated that " my investor denied the forbearance ''. 

I borrowed the money in order to bring my mortgage current and prevent foreclosure. I have been disputing the attorney charge ever since. My situation was finally escalated to a supervisor by the name of XXXX XXXX who pulled the prior recorded calls and confirmed that I was informed that no action was going to be taken against me or the property. Despite the bank 's error and admission of their error, they have never refunded me the attorney fee that was illegally and fraudulently charged against me. Misleading a consumer about mortgage fees is a violation of The Truth in Lending Act and I would like my fee credited toward my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX Account Number : XXXX, Account Name : XXXX  XXXX  Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, and so on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Date : XXXX XXXXSent Mail regarding inaccurate reporting I the consumer Per the FCRA as a federally protected comsumer I am now opting out of and and all authorization. I the comsumer may have given you written, unwritten, verbal and non verbal consent per 15 UCS 6802 the Irs states that a charge off is considered a certificate of indebtedness. Violation of : Fair Credit Reporting Act, Privacy act of 1974, 15 U.S.C. 1681b Permissable purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Applied for loan through Credit karma recommendation on XX/XX/2023. Received calls and text messages, email from XXXXXXXX XXXX  loans through Sun XXXX aka XXXX. After several month loan funds never received. Daily text and calls from Company impersonating to be XXXX XXXX loans. Requesting money sent to several different XXXX XXXX ids. Threatening late fees and legal actions. I have paid over {$5000.00} to this company using XXXX XXXX  id given to me from XXXX XXXX XXXX XXXX. As if paying the loan back or paying administration, processing and insurance fees. When requested to cancel receiving treating emails and text messages. Stating no refunds.

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 2024-03-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Submitted a request to both XXXX and Equifax advising that XXXX XXXX or XXXX XXXX XXXX XXXX account was fraudulently opened, I have tried going to the credit bureaus and has been unsuccessful as they have been saying it has been " verified as accurate ''. Since then, I've reported the account to the FTC. FTC report # XXXX I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) 281 SW 715.719.

I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS 4ld PURSUANT TO 18 USC 8, L OWE NO DEBT ; THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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 non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The crediit reporting agency assumed I was disputing an account that was SHOWING on my consumer report. 

Which Im requesting an account SHOULD be reflecting on my consumer report that is XXXX Ive provided all proper documentation thats needed to update the account on my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The crediit reporting agency assumed I was disputing an account that was SHOWING on my consumer report. 

Which Im requesting an account SHOULD be reflecting on my consumer report that is XXXX Ive provided all proper documentation thats needed to update the account on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Blackhawk Network Holdings Inc.
State: NY

Complaint narrative:
I received this card in XXXX because I had money on my XXXX XXXX account from buying at select stores and this was a rewards program. I was supposed to get a card with a balance of {$2.00} on it but when I went to use it today XX/XX/XXXX it showed a XXXX balance and no transactions. I even searched from XXXX of XXXX up to date and the card expires XX/XX/XXXX. The Debit card came from MyPrepaidCenter.com. I know it's not much money but I did earn it and it seems the company makes it almost impossible to file a claim for XXXX balances on new cards. That's just is not an option they offer anyone to choose from.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc.
State: GA

Complaint narrative:
I first became a customer of Colonly Brand in XXXX while living in XXXX XXXX, New York with Ashro, Ginny 's, and a {$5.00} catalog that is no longer active. Before XXXX XXXX, in XXXX or XXXX, I attempted to make orders using my Colony Brand catalog cards. At the time, I had a XXXX credit score, and had been in good standing since XXXX, however, I did fall behind near the end of XXXX, and the first two months of XXXX. I called Colony and explained what happened. They said it was okay, and they gave me time to catch up, which I did. Through XXXX, I made double payments and on-time payments every month, year after year. In XXXX or XXXX of XXXX, I made orders that were declined. When I asked why, I was told that they were using a new company to analyze and determine who is approved for credit. I was told that they were not going to give me credit, and when I asked why, they told me because they didn't want me as a customer anymore. I then requested that they send something in writing to explain why. They then chose to extend my credit. Some time later they did a hard inquiry on all of my then active accounts, which made my credt take a huge dive. When I inquired about why they did such thing, they claimed that they had the right to, but the law says otherwise. They also started sending me fewer catalogs. When I called they were rude. I later froze my credit. In XXXX, I payed my bills on time, and every month. They decided to keep my card on file without my consent, which is against the law in my state, even after I contacted them about it. 
I recently recieved a copy of my credit report through XXXX, and found out that Colony Brands gave false information. For instance, in XX/XX/XXXX, I had paid the full balance of Montgomery Ward on XX/XX/XXXX, but Colony reported that payment as late in XX/XX/XXXX. My balance was {$0.00} on that date. 
Here is other information from the report : Colony has stated that I paid Swiss Colony {$29.00} on XX/XX/XXXX. That account was closed and paid in full on XX/XX/XXXX. 
Swiss Colony was paid in full on XX/XX/XXXX, however, Colony reported that I made a payment XX/XX/XXXX, XX/XX/XXXX, and a missed payment on XX/XX/XXXX, and made a payment of {$29.00} on XX/XX/XXXX. 
I also had an Ashro account with Colony, which I closed. My Ashro payment history was not included in the report. My final known payment to Ashro was XX/XX/XXXX for {$45.00}. I am also pretty sure I closed Ashro with that payment. 

I would like to be compensated for the damage they did to my credit, and for being non-compliant with state laws.

Company response to consumer: Closed with explanation