vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) # XXXX XXXX XXXX # XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! I will never stop filing complaints against you because I know my rights! 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX ( collection account ) I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. fraudulent account open while in prison letters to collection company and bureaus back in 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 2024-08-02 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-08-02 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: IN

Complaint narrative:
I have reviewed my Consumer credit report and I have noticed it states I was late that I haven't been late for the consumer report agencies has assumed a vital role have a responsibility to report consumer information to the best of their ability. Please investigate and provide proof if nothing can be provided I demand that it is updated to paid as agreed on. Date XX/XX/year>

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 2024-08-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have had a XXXX XXXX  savings for years at Capital One. My account was compromised and funds taken out without my approval or knowledge. Most have been credited back except XXXX for {$20000.00} was not. This was sent to Green Dot Bank where I don't have an account and never did. I was told this withdrawal happened on XX/XX/year> at XXXX. I never authorized this and was not advised. I was in the hospital from XX/XX/XXXX and released XX/XX/XXXX about noon that day. I didn't have any computer or laptop with me in the hospital. My wife never accessed the account either. So, at XXXX am I was in a hospital bed. 
They are supposed to send me information on how this occurred but not for weeks. 
I have made money transfers in the past but don't have Green Dot Bank as one of the allowed transfer- to Banks.

It seems as if they don't believe what I am telling them and care less about this. I didn't do anything wrong-they were supposed to take care of my money but got duped and now I am paying for their mistake.

I have tried to email the CEO but no answer. I have called a great many times and may have to hire and attorney.

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

Complaint narrative:
I am writing to dispute account on my credit report that were made without my consent. According to section 604 OF FAIR CREDIT REPORTING to section act ( 15 U.S.C 168 1B ), there are specific permissible purposes for obtaining a credit report. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report. HARD INQUIRIES XXXX XXXX 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 2024-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I called Ally credit card services today XX/XX/year> around XXXX to request payment deferment and hardship programs. I spoke to XXXX ( ID : XXXX ) and he advised me that there are no payment deferment and hardship programs available for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: Aqua Finance, Inc.
State: VA

Complaint narrative:
Monthly minimum payments are {$150.00} with {$100.00} going towards interests and not principle. Salesman specifically explained how the loan process works but it seems as though we are being scammed. He definitely tricked us in getting into the loan when the he specified that it was a normal loan as equivalent to a vehicle loan, etc. ( i.e, where the majority of payment goes towards principle and the lesser amount towards interests. ) Definitely not the case and Aqua finance needs to be shut down for these illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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

Complaint narrative:
The balance on the XXXX XXXX account number XXXX is not correct because I pas this account in full. 

Algo they are reporting this account in an improprer manner because the payment history reflects continued reporting a charge off after this account was closed on XX/XX/2023.

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

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: NC

Complaint narrative:
I sent a wire transfer through Huntington Bank to one of their accounts for XXXX XXXX XXXX. I turns out this account and the company associated with it are a scam set up to defraud people out of their money. Unfortunately, Huntington bank is unwilling to assist people defrauded by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
Dear NAVIENT, I am writing to formally address a serious violation concerning the unauthorized reporting of information to my credit report. This issue is in direct violation of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as the Texas Finance Code under Sections 392.301 and 392.305, and identity theft laws as outlined in the Texas Penal Code Section 32.51.

It has come to my attention that NAVIENT has engaged in unauthorized reporting to my credit report without my explicit consent. Under federal law, specifically the FCRA, consumer consent is a mandatory requirement for any credit reporting activities, as stated in Section 1681b ( a ) ( 2 ).

Moreover, Texas state law reinforces this requirement. Section 392.301 of the Texas Finance Code clearly states that consumer consent is necessary for credit reporting. Additionally, Section 392.305 provides guidelines for the fair reporting of consumer credit information. The identity theft laws, particularly Texas Penal Code Section 32.51, highlight the seriousness of unauthorized access and misuse of personal information. 

I unequivocally assert that I have not granted consent for NAVIENT to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially damaging my creditworthiness and showing a blatant disregard for both federal and state laws. 

I demand that NAVIENT immediately cease any further reporting of information to my credit report without my explicit consent, as required by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Should you fail to comply within the next 30 days, I will consider this willful noncompliance, which may result in penalties under applicable laws, including those related to identity theft. 

It is imperative to understand that obtaining consent is not optional ; it is a legal obligation under these specific sections of the FCRA, Texas state law, and identity theft laws. This is not a negotiation ; it is a demand for adherence to both federal and state regulations designed to protect consumers like myself from unauthorized and harmful credit reporting. 

I expect your immediate attention to this matter and anticipate that NAVIENT will rectify these violations promptly, respecting my rights under federal and state laws. 
Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: United Resource Systems, Inc
State: TX

Complaint narrative:
Dear UNTD RES SYS, I am writing to formally address a serious violation concerning the unauthorized reporting of information to my credit report. This issue is in direct violation of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as the Texas Finance Code under Sections 392.301 and 392.305, and identity theft laws as outlined in the Texas Penal Code Section 32.51. 

It has come to my attention that UNTD RES SYS has engaged in unauthorized reporting to my credit report without my explicit consent. Under federal law, specifically the FCRA, consumer consent is a mandatory requirement for any credit reporting activities, as stated in Section 1681b ( a ) ( 2 ).

Moreover, Texas state law reinforces this requirement. Section 392.301 of the Texas Finance Code clearly states that consumer consent is necessary for credit reporting. Additionally, Section 392.305 provides guidelines for the fair reporting of consumer credit information. The identity theft laws, particularly Texas Penal Code Section 32.51, highlight the seriousness of unauthorized access and misuse of personal information.

I unequivocally assert that I have not granted consent for UNTD RES SYS to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially damaging my creditworthiness and showing a blatant disregard for both federal and state laws. 

I demand that UNTD RES SYS immediately cease any further reporting of information to my credit report without my explicit consent, as required by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Should you fail to comply within the next 30 days, I will consider this willful noncompliance, which may result in penalties under applicable laws, including those related to identity theft. 

It is imperative to understand that obtaining consent is not optional ; it is a legal obligation under these specific sections of the FCRA, Texas state law, and identity theft laws. This is not a negotiation ; it is a demand for adherence to both federal and state regulations designed to protect consumers like myself from unauthorized and harmful credit reporting. 

I expect your immediate attention to this matter and anticipate that UNTD RES SYS will rectify these violations promptly, respecting my rights under federal and state laws. 
Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of bogus addresses. 

This address was used to open accounts in my name : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, NY XXXX These are the accounts in my name that stems from the identity theft : XXXX XXXX XXXX. Opened XXXX XXXX, XXXX. {$1000.00} XXXX XXXX XXXX  Opened. XXXX. XXXX, XXXX {$2100.00} XXXX XXXX. Opened XXXX XXXX, XXXX {$1400.00} XXXX XXXX Opened. XXXX XXXX, XXXX {$410.00} A copy of an FTC report listing the Accounts opened in my name is enclosed. My consumer FICO credit report now contains fake addresses as a result of these accounts. A copy of your consumer FICO credit report, which includes the aforementioned bogus addresses. The aforementioned accounts and addresses, as reported, are unfamiliar to me. The Accounts and Addresses listed above is the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # XXXX as official documentation from the US Federal Trade Commission demonstrating that the Accounts and Addresses listed above are all the product of fraud and identity theft.

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 2024-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST PORTFOLIO SERVICING INC
State: WA

Complaint narrative:
Finally paid some of the balance from Revvi credit card a week ago to get my account back but I tried to sign in today and couldnt. Called customer service and found out account was closed and was told you need to pay the rest in order to not get charged. So this account was closed months ago but was never told or sent any letters about it. Not even from any collection agency. XXXX is definitely scamming people and this is outrageous

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To who it may concern, please remove used this address and it is causing confusion and potential harm to my credit profile. 
Please remove this incorrect address from my credit report at your earliest convenience. appreciate your prompt attention to this matter. Please confirm in writing that this incorrect address has been removed from my credit report. If you need any additional information or documentation, please contact me at the phone number or email address provided above. 
Thank you for your cooperation.

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 2024-08-02 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: PA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-02 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: AZ

Complaint narrative:
I was reviewing my Credit report and noticed some inquiries that i didn't recognize

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