vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-24 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:
on XXXX, am writing to report fraudulent activity on my XXXX XXXX XXXX XXXX account, as protected under the following USC codes : USC 15 : Fair Credit Reporting Act ( FCRA ) - Pertaining to consumer rights and responsibilities in credit reporting. 
USC 1681b : FCRA Section 1681b - Addresses permissible purposes for consumer reports, ensuring accuracy, fairness, and privacy. 
USC 1666b : Electronic Fund Transfer Act ( EFTA ) - Protects consumers from unauthorized electronic fund transfers, including those on credit cards. 
USC 1692c : Fair Debt Collection Practices Act ( FDCPA ) - Regulates communication in connection with debt collection, including validation of debts. 
On [ date ], I noticed unauthorized transactions on my account with XXXX XXXX XXXX XXXX totaling [ amount ]. These transactions were not made by me and are therefore fraudulent. 

Upon discovering these unauthorized transactions, I immediately contacted XXXX XXXX 's customer service department on [ date ]. I spoke with a representative and informed them of the fraudulent activity on my account. I requested that the unauthorized charges be investigated and removed from my account. 

The representative assured me that they would initiate an investigation into the fraudulent charges and advised me to monitor my account for any further suspicious activity. They also provided me with information on how to dispute the charges and provided me with a reference number for the case. 

I have since been vigilant in monitoring my account for any additional unauthorized transactions. However, despite my efforts, I have not received any updates from XXXX XXXX regarding the status of the investigation or the resolution of the fraudulent charges. 

I am deeply concerned about the security of my account and the potential for further unauthorized activity. I urge XXXX XXXX to expedite their investigation into this matter and take the necessary steps to rectify the fraudulent charges on my account. XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Amount past due {$710.00} Worst Payment Status Charge-off Account Details Account status Closed Type Credit Card Responsibility Individual Account. 
Remarks Charged off account Account closed by XXXX XXXX XXXX XX/XX/XXXX days late XXXX Closed No Information Furthermore, I request that Equifax be notified of the account I am disputing and take appropriate actions to rectify any inaccuracies on my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX These USC codes are pertinent to the resolution of this matter and should be considered during the investigation process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: ID Analytics, Inc.
State: FL

Complaint narrative:
on XXXX, am writing to report fraudulent activity on my XXXX XXXX XXXX XXXX account, as protected under the following USC codes : USC 15 : Fair Credit Reporting Act ( FCRA ) - Pertaining to consumer rights and responsibilities in credit reporting. 
USC 1681b : FCRA Section 1681b - Addresses permissible purposes for consumer reports, ensuring accuracy, fairness, and privacy. 
USC 1666b : Electronic Fund Transfer Act ( EFTA ) - Protects consumers from unauthorized electronic fund transfers, including those on credit cards. 
USC 1692c : Fair Debt Collection Practices Act ( FDCPA ) - Regulates communication in connection with debt collection, including validation of debts. 
On [ date ], I noticed unauthorized transactions on my account with XXXX XXXXXXXX XXXX XXXX totaling [ amount ]. These transactions were not made by me and are therefore fraudulent. 

Upon discovering these unauthorized transactions, I immediately contacted XXXX XXXX 's customer service department on [ date ]. I spoke with a representative and informed them of the fraudulent activity on my account. I requested that the unauthorized charges be investigated and removed from my account. 

The representative assured me that they would initiate an investigation into the fraudulent charges and advised me to monitor my account for any further suspicious activity. They also provided me with information on how to dispute the charges and provided me with a reference number for the case. 

I have since been vigilant in monitoring my account for any additional unauthorized transactions. However, despite my efforts, I have not received any updates from XXXX XXXX regarding the status of the investigation or the resolution of the fraudulent charges. 

I am deeply concerned about the security of my account and the potential for further unauthorized activity. I urge XXXX XXXX to expedite their investigation into this matter and take the necessary steps to rectify the fraudulent charges on my account. XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Amount past due {$710.00} Worst Payment Status Charge-off Account Details Account status Closed Type Credit Card Responsibility Individual Account. 
Remarks Charged off account Account closed by XXXX XXXX XXXX XX/XX/XXXX days late XXXX Closed No Information Furthermore, I request that XXXX be notified of the account I am disputing and take appropriate actions to rectify any inaccuracies on my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX These USC codes are pertinent to the resolution of this matter and should be considered during the investigation process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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: TX

Complaint narrative:
I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE BEEN A VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIRIES 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 non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
In XXXX, I took out a {$7000.00} private student loan from Navient to attend a school that was later deemed fraudulent. Despite having paid over {$20000.00} towards this loan, the balance has now ballooned to {$25000.00} and is in default. 

I have already been approved for a discharge of my federal loans under the Borrower Defense to Repayment ( BDTR ) program due to the fraudulent nature of the school. I believe the same logic should apply to my private loans, as they were taken out for the same fraudulent educational program. 

Over the years, I have made continued efforts to honor my obligation and resolve this debt through various repayment plans. However, Navient has denied my requests to apply the BDTR discharge to my private loans, even though the very nature of the loan has been determined to be based on fraud.

At one point, Navient offered me a settlement of {$13000.00}, but then instructed me to secure a high-interest loan to pay off this amount. I believe this is an extension of their predatory practices, as it would only serve to put me in further financial distress. 

Given that my XXXX claim was approved for my federal loans from the same fraudulent school, I assert that it should also apply to my private loans with Navient. I am seeking relief and a discharge of this debt, which has caused me significant financial hardship despite my good faith efforts to resolve it over many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: OH

Complaint narrative:
On XX/XX/XXXX I submitted a request to the CFPB to have TransUnion properly address my account due to some things being incomplete and not accurate. After TransUnion reviewed my accounts, those same accounts were still on my profile as verified and accurate. According to the FCRA, 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. On XX/XX/XXXX, I sent a letter to TransUnion demanding that they delete accounts from my report due to the information not being accurate. I also highlighted the erroneous information on my report. which shows the active dates all being reported differently by each bureau. These accounts XXXX XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX  XXXX # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, are not complete and accurate due to the Date of last Active being reported differently by other bureaus. How could this be when the accounts appear to be furnished by the same creditor? Also, according to 15 USC 1681s-2 ( a ) & ( b ), 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. Please see attachments.

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 2024-05-24 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: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: IL

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

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 2024-05-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Credit Bureaus refuse to investigate dispute for INACCURATE REPORTING on accounts listed in this complaint.

Furnishers are reporting differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History?

The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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: CA

Complaint narrative:
Credit Bureaus refuse to investigate dispute for INACCURATE REPORTING on accounts listed in this complaint.

Furnishers are reporting differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History?

The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair.

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 2024-05-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: NC

Complaint narrative:
Account name WAYPOINT RESOURCE GROUP Also known as WAYPOINT RESOURCE GROU Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$770.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$770.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1100.00} Highest balance - Terms 1 Months Collection as of 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 I have never had an account with XXXX. This was opened in fraud.

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 2024-05-24 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: TX

Complaint narrative:
This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
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.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am trying to apply for a home equity loan. The lender XXXX was trying to pull a credit report to verify my credit. Equifax has refused to provide credit report to my lender stating that they believe it is for fraudulent purposes. 
I have contacted Equifax many times and they will not release the report. I have send them my social security and ID multiple times but they still will not release my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.

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 2024-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC
State: FL

Complaint narrative:
I have advised Carvana through social media, which lead to DMs and then phone calls about the car that they sold me. XXXX XXXX XXXXXXXX that I have owned since XXXX of XXXX has had needed more repairs than the vehicle 's actual worth. 
It is my assertion that the " 7 day guarantee '' is a way to bait and switch potential consumers thinking that any real issues would crop up in that time frame. That is absurd. 
I further assert that Carvana provides cars with parts that are at the end of their lives. These parts last just long enough to surpass any applicable " lemon laws '' for various states, and then leaves the unsuspecting consumer with EXCEEDINGLY costly repairs all while demanding the car note to be paid. Since I purchased the car, I've paid more than $ XXXX in car note payments along with close to $ XXXX in repairs from everything to a new alternator, XXXX new batteries, a new engine intake manifold gasket, New engine cover gasket, new canister purge valve new park plugs, purge valve hose, throttle body cleaner and fuel induction cleaning kit. My check tire pressure light won't go off for more than a couple of day despite constant checking and confirming that the tire pressure is at proper levels. My fuel inlet sensor keeps coming on, though no problems can be found there. 
I've paid hundreds in diagnostic fees. I've had to pay to get my car towed, because I was over the number of " entitlements '' that Triple A provided. 
Carvana has valued my car at {$4100.00}. I owe $ XXXX. They advised they could roll over {$2500.00} into a new loan which would leave me with more than a $ XXXX down payment. Where am I going to get that type of money? 
My option is to keep funneling money into a junk car, ruin my credit by voluntarily surrendering the vehicle or find a way for a hug down payment to get me into something else. How does this make sense? How is this ethical?

If this isn't a prime example of a Consumer being taken advantage of.. I don't know what is. 
I don't feel safe in that car. I feel as if every time I get in it there's a XX/XX/XXXX chance that something major is going to break and leave me injured or dead. 
I can't afford this financial money pit any longer. 
At the very least, I want this documented...

Company response to consumer: Closed with explanation