vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-02 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: TN

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED BANKSHARES, INC.
State: VA

Complaint narrative:
I am writing to report a concerning incident that occurred on Friday to me. Unfortunately, I have fallen victim to a gift card scam. The details of the incident are as follows : On Friday XXXX XXXX, I received a work email from an individual posing as our boss, who convinced me to purchase gift cards from XXXX XXXX worth {$600.00} for a reason to surprise the team for their hard work. Regrettably, I complied with their demands and provided them with the gift card details, only to realize later that it was a fraudulent scheme. 

As a result of this deception, I have suffered a financial loss and wish to formally report this incident for investigation and appropriate action. I have already notified my financial institution and XXXX customer about this scam. 

I contacted United Bank to initiate a dispute process, however, I have recently received a rejection letter regarding the matter. As this is my first encounter with a scam, I respectfully request your assistance in advocating for the bank to reimburse me. I am prepared to provide the necessary evidence, including the gift cards and purchase receipt, to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I formally request the removal of an inaccurate account from my credit report, as I did not provide consent for its creation or usage, and I have enclosed the necessary documents to support this 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 explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I deposited a an insurance settlement check, that was handed to me by my personal injury attorney. The accounting department at the law firm informed me that my financial institution could call and verify the funds in the check so that there would be a minimum hold time. 

I deposited the check on XX/XX/XXXX, and received an email the same day stating that my check deposit will be available in 2 business days. This was an ideal timeframe for me, as I am required to pay my house rent by the XXXX  of XXXX. 

I then received another email from navy federal, the following morning of XX/XX/XXXX, stating that my deposited check will be held for 5 days. Here is the content of their email : We've taken this precaution because we have reasonable cause to believe that the check is uncollectible from the paying bank based on confidential information that indicates that the check may not be paid. If the bank pays the check, you can expect to receive your funds within 5 business days of your deposit. 

After receiving this email, I promptly called navy federal to discuss this change in their position, and to explain to them that the check that I received is from an insurance settlement, handed to me by a law firm that informed me that my financial institution could call and verify the funds. I was met with complete resistance, and told that navy federal does not have a department that verifies checks, and there was nothing further that they could do. 

I then proceeded to call numerous times to check the status of the my deposited check, and was told that my deposit would clear at XXXX of XX/XX/XXXX. I was told this on the phone by two different navy federal employees. With this information I was able to inform my landlord that my bank is releasing the funds and rent will be sent to him by XXXX of XXXX XXXX. I stayed up all night waiting for the funds to realize in my account, from my check deposit, but the funds never appeared. Causing further delay of my funds, and issuance of a notice to cancel my lease contract for non payment. 

I am a decorated XXXXXXXX XXXXt Veteran, who was injured in XXXX, fighting the XXXX. To be treated with such disregard to my livelihood, by a financial institution who markets, and prides themselves on their relationship with the military/veteran community. I am now at danger of becoming a homeless veteran because of navy federal gross negligence and complete disregard for their clients financial obligations. Why did I fight for our country, and get wounded, just to come back to America, and have a military affiliated financial institution hold my funds for a longer period than initially reported ; putting me in grave danger of becoming a homeless veteran?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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:
See the attached documents.

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 2024-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I never opened a chase account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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 inquiries : Please see attached file for these items I am complaining.

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 2024-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
In XX/XX/XXXX a person served papers to a member of my household from Portfolio Recovery Associates. The date of service is not available on the document served ( see attachments ). 
The documents included a court notice to appear in XXXX XXXX court in XXXX, Tn on XX/XX/XXXX at XXXX. 
Case # XXXX The court originally received the information on XX/XX/XXXX. 
There was no effort to inform me of this until XX/XX/XXXX that I am aware of. 

The documents provided by the process server did not inform me that I could dispute the debt ( as required by the FAIR DEBT COLLECTIONS PRACTICE ACT ) nor did the documentation provided show that Portfolio Recovery Associates actually had standing as a legal owner of any debt to collect the debt they allege is owed to them ... other than a statement written and signed by a XXXX of records who showed no proof of ownership simply a statement. 
I will appear in court and dispute their allegations as I am a permanently, totally XXXX veteran and do not have the money to pay an attorney to represent me. I do not have any funds other than my VA XXXX and those funds can not be garnished as Portfolio Recovery Associates surely is aware. 
This organization has repeatedly used unlawful methods and deceptive practices and it is my intent to make the CFPB aware they are not ceasing their past behavior. They continue to pursue individuals for debt they did not incur simply because the defendents are unaware and unable to defend themselves against this predatory creature that feeds off others ' misfortune. 
I hope the CFPB will hold XXXX accountable if they agree that this organization has once again ignored its obligation to follow the Court Orders the CFPB has in place against XXXX currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

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 2024-04-02 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: Nelnet, Inc.
State: LA

Complaint narrative:
My credit report with XXXX shows that I have student loan balances with Nelnet of {$14000.00} and {$51.00}. These loans were transferred to XXXX and subsequently forgiven under the PFSL Forgiveness program. XXXX shows that the balances are XXXX. I spoke with a representative from Nelnet and they states they would submit a retraction of the incorrect balances and agreed that these loans were transferred and are at a XXXX balance status. They subsequently sent a letter saying something different which I will attach to this dispute later. XXXX shows that my student loans have a XXXX balance, while XXXX and XXXX continue to show the balance with Nelnet. I have disputed these charges multiple times and each time my credit score seems to go lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: OH

Complaint narrative:
XXXX has put a fraudulent account on my credit report that was once reported before due to inaccuracy. According to XXXX v. XXXX XXXX  mo XXXX XXXX XXXX, I presume no proof of alleged debt, nor therefore any such debt, in fact therefor XXXX exists. Please be advised that I have retained legal counsel and will not hesitate to initiate legal proceedings if necessary. I trust that XXXX will take this matter seriously and act accordingly to resolve it expediently. 
Thank you for your attention to this matter

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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX  XXXX credit card Applied for loan at my bank and was told I had a delinquent credit card. I stated I dont have a credit card. My checking acct was hacked 1 month prior to the card being opened and transaction made 1 time. The majority of the charge was the initial fee of the card. I have called 2 times to have this resolved. Also filled out an affidavit that states the facts also

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 2024-04-02 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-02 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
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 2024-04-02 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: NY

Complaint narrative:
I always pay my bills on time. I do not understand why there are late payments reported on this account.

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 2024-04-02 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-02 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Received notice of data breach from XXXX on XX/XX/2023 then lost a casino job claiming my paid off credit card was maxed and in collection from gaming commission seeking solutions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Alorica Inc.
State: OH

Complaint narrative:
I am writing to invoke my FCRA right to opt out. Please see attached letter that was sent to the creditor. 
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. 

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( XXXX ) to insure the security and confidentiality of customer records and information ; ( XXXX ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( XXXX ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out ( XXXX ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Also the Privacy Act of 1974 comes into play here.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: TX

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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: CO

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

Company response to consumer: Closed with non-monetary relief