vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-16 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:
Victim of identity theft my safe was stolen from a car and it had my ssn card and other documents that were used.

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 2023-12-16 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:
Victim of identity theft my safe was stolen from a car and it had my ssn card and other documents that were used.

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 2023-12-16 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: NY

Complaint narrative:
I XXXX XXXX XXXX, the federally protected consumer, has placed numerous complaints through the CFPB ( 15 u.s.Code 6805 and 16 CFR 131.1 ) and certified mail for the entire year of XXXX about XXXX XXXX and Experian Consumer Services willful non compliance of the Fair Credit Reporting Act and Privacy Act of 1974 by the sharing of inaccurate, non public, personal information on my consumer report. ( FCRA Sec 603 ( d ) ( 1 ) ) without my expressed written consent. ( FCRA Sec 604 ( a ) ( 2 ) ). XXXX XXXX and Experian Consumer Services is also currently past the 30 day allotment to resolve this ongoing dispute which is also documented via the complaint placed via the CFPB since the last complaint that has been placed, on XX/XX/XXXX and XX/XX/XXXX. 
The law states that it is illegal to have a consumer report containing information solely as to transactions or experiences between the consumer and the person making the report ( FCRA Sec 603 ( d ) ( 2 ) ( a ) ( i ). I've repeatedly stated the reasonable procedures that congress has set forth for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer and the consumer reporting agencies, XXXX XXXX and Experian Consumer Services, has had no regards to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the Fair Credit Reporting Act. XXXX XXXX and Experian Consumer Services has never provided their method and/or proof of verification that gives them the authority to report inaccurate, non-public, personal information on my consumer report. Which is documented via the CFPB with their responses that has not addressed the issue of their willful non-compliance of the Fair Credit Reporting Act and Privacy Act of 1974 by the sharing of inaccurate, non-public, personal information on my consumer report. 
There is also income being reported, by XXXX XXXX, on my consumer report as well ( XXXX XXXX XXXX XXXX ) which also goes against federal regulations. Nor has this account been properly verified and/or validated according to federal guidelines. 
According to the compliance procedures of the fair credit reporting act every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 605 [ 1681c ] and to limit the furnishing of consumer reports to the purposes listed under section 604 [ 1681b ] of this title. 

I have attached the following : Passport Card, CAF Notice, Power Of Attorney, Fee Schedule, consumer report ( s ), Opt Out Confirmation ( s )

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 2023-12-16 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: MO

Complaint narrative:
Reached out to transunion, experian, and XXXX multiple times about my consumer report. All ( 3 ) major credit companies have refused to correct my consumer file and I am seeking to file small claims court against each credit bereau for mis handling my Fair Credit Reporting Act rights.

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 2023-12-16 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: Nelnet, Inc.
State: FL

Complaint narrative:
I am writing to formally register a complaint for violations against the provisions of 20 U.S. Code 1232g - Family Educational and Privacy Rights. Without my written consent, I recently discovered that my student loan information has been reported to credit reporting agencies, XXXX, XXXX, and XXXX. This action directly violates the aforementioned statute, which clearly outlines the conditions under which educational records can be disclosed. According to 20 U.S. Code 1232g ( b ) ( 1 ), educational agencies or institutions are prohibited from releasing education records without the written consent of the student 's parents. My student loan information was reported to credit reporting agencies without obtaining written consent. The statute clearly outlines exceptions for disclosing education records without written consent. In my case, none of these exceptions were applicable. The release of my student loan information was not in compliance with any of the statutory provisions; according to 20 U.S. Code 1232g ( b ) ( 4 ), educational agencies or institutions must maintain a record indicating all individuals, agencies, or organizations requesting or obtaining access to a student 's education records. I request transparency in this matter and would like to be provided with information regarding who accessed my student loan information and the legitimate interest each entity had in obtaining this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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:
Recently, I received my credit report from your company. After reviewing it, I found that the information you are providing on some items contains not only invalid and incomplete information, but both inaccurate and incorrect information as well. I ALSO NOTICED ON MY CREDIT REPORT THAT I AM A VICTIM OF FRAUD. As you know, all incorrect information MUST be IMMEDIATELY REMOVED from my credit report. As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1681, 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, Validation of Debts, creditors are required to provide this information or release the invalidated debt information from my credit report. You are reporting information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file and on my consumer report at all times. Please delete the following inaccurate information from my credit file and my consumer report. I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately.

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 2023-12-16 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: MO

Complaint narrative:
Reached out to transunion, experian, and EQUIFAX multiple times about my consumer report. All ( 3 ) major credit companies have refused to correct my consumer file and I am seeking to file small claims court against each credit bereau for mis handling my Fair Credit Reporting Act rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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: MO

Complaint narrative:
Reached out to transunion, experian, and XXXX multiple times about my consumer report. All ( 3 ) major credit companies have refused to correct my consumer file and I am seeking to file small claims court against each credit bereau for mis handling my Fair Credit Reporting Act rights.

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 2023-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
XXXX I spoke with someone at the cfpb and found out the Email on file didn't match my account. I was told to resubmit with my claim number. The priests phone was hacked and I received a text asking to purchase XXXX  gift cards XXXX {$100.00}. The church posted on XXXX it was fraud, a few people received it. I let my credit card company know and they are not helping 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 2023-12-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I never signed a contract with Dividend which means my signature was forged. 
The sales rep through XXXX XXXX lied to us and said that in order for the solar panels to run efficiently we would need XXXX of our big oak trees to be cut down ( XXXX XXXX was supposed to pay for the trees to get cut down ). They never cut our trees down. We called them almost every week and would get the same response " XXXX XXXX is still working to find a contracting tree company, we were never able to speak with a supervisor either when we requested it. The sales rep said our bill between XXXX and our electric company would be no more than {$300.00} a month. Some months were paying over {$700.00} a month ( no cost savings whatsoever ). They never cut our trees down. 
My parents ended up paying to have our trees cut down which cost over {$7000.00} to do. 
Panels were placed on our roof approximately XX/XX/XXXX but were not act/ive until XX/XX/XXXX. Dividend XXXX auto-debited my account on XX/XX/XXXX without the panels being active. I spoke with XXXX XXXX and they paid the monthly solar bill of {$180.00} to Dividend up until XX/XX/XXXX. 
We were lied to from the beginning and our bills have yet to be under {$300.00} between Dividend and our electric company even with our trees being recently cut down XX/XX/XXXX. 
XXXX XXXX also advised we would get a 30 % tax credit so not sure if we will even get that when we file our taxes next year. With that being said, our Dividend payment jumped from {$180.00} now to {$250.00} effective XX/XX/XXXX. 

XXXX XXXX has now furloughed all their employees and closed their days as of XX/XX/XXXX. 
Thank you! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: AZ

Complaint narrative:
This is a XXXX XXXX XXXX XXXX, and was registered on giftcardmall.com as is instructed to do so on the card itself. I also checked a couple of times and confirmed the amount, which is {$50.00}. I called XXXX and it was confirmed that the card was registered correctly. Here why I think this company is a BIG SCAM! They won't allow you to register until you agree that they can use your personal information. The rep. told me the only way to by-pass that is to talk to a rep, which I did, and she told me that they will not use my personal information. I have tried to use the card online ( which the card itself says you can use it in store or online, and both times it has indicated that the transaction did not go through because the card is not good. The card also says on the back " Distributed and serviced by XXXX XXXXXXXX XXXX XXXXXXXX '' I contacted them and got nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Synovus Bank
State: GA

Complaint narrative:
On XX/XX/XXXX I opened a new account online with Synovus Bank and my account was debited twice for the initial opening deposit of XXXX. I contacted Synovus for over a week via messaging, calling customer service and was told I needed to call my previous bank and have them resolve it on their end. Made no sense but I contacted my previous bank and they reversed one of the 2 ACH withdrawals. A few days later Synovus blocked my account and card, I called customer service once again and was told I needed to go into the branch. On XXXX  XX/XX/XXXX I went in and was told by XXXX XXXX my account was under review by their " Financial Crimes . Department ". She sent them an email explaining what happened even showing them the duplicate XXXX ACH debit opening charge. It is now XXXX XX/XX/XXXX my account is still " Under Review '' nobody will give me answers and I can not access my money. I have since called repeatedly and found out they were closing my account 3 weeks ago and sending a check to me in the amount of XXXX. I never recieved my checks so i once again contacted synovous. Today is XX/XX/XXXX and I got a check in the mail from them for XXXX I have never in my life been treated so poorly as this Bank is treating me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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: CA

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulte from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOL Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUC consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEI to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of XXXX accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete the following items immediately!!

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 2023-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/2023, I, the consumer, sent to Navy Federal a billing error notice under 12 CFR 1026.13 disputing the entire amount of alleged credit card debt and to request all documentary evidence related to my account. They responded on XX/XX/2023 stating that they can assure that the debt is valid without conducting any reasonable investigation nor producing any documents they are required to provide following a billing error dispute along with three of my most recent statements, credit card agreement, and my initial billing notice error attached via USPS mail. I responded on XX/XX/2023 stating that I further dispute any alleged debt that has been deemed valid without any proper investigations done. They then responded on XX/XX/2023 stating that there are unable to identify an open Credit Card Dispute. It has not been 90 days since notice has been sent and by Navy Federal completely disregarding the consumer 's wishes and concerns is in direct violation of TILA and Regulation Z by failing to comply with requirements for creditors during billing error resolutions. Navy Federal also continues to collect on at least the minimum payment due even though the entire amount is in dispute, which means they are prohibited from collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: GA

Complaint narrative:
My account was closed XX/XX/2020 Ive been given the runaround for years on getting my money back. Ive sent info to verify and my account was never reopened nor did I receive funds that were in the account when it was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This unknown Retail Credit Card company named XXXX XXXX XXXX  with a balance of {$1500.00} has been reported on my Credit report with XXXX and Transunion. Opened XX/XX/2019.

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 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
This unknown Retail Credit Card company named XXXX XXXX XXXX  with a balance of {$1500.00} has been reported on my Credit report with Equifax and XXXX. Opened XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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: TN

Complaint narrative:
n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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 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. According to the IRS laws, the tax consequences of Charge-Offs, the IRS may view outstanding debt forgiven or canceled by the lender as part of your taxable income. I'm showing proof that this company XXXX XXXX XXXX XXXX  # XXXX is reporting to my credit account as a charge-off. In addition to this, A charge-off is considered a certificate of indebtedness so its considered income and income is not reportable and should be removed effective immediately.

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 2023-12-16 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: TN

Complaint narrative:
n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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 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. According to the IRS laws, the tax consequences of Charge-Offs, the IRS may view outstanding debt forgiven or canceled by the lender as part of your taxable income. I'm showing proof that this company XXXX XXXX XXXX XXXX  # XXXX is reporting to my credit account as a charge-off. In addition to this, A charge-off is considered a certificate of indebtedness so its considered income and income is not reportable and should be removed effective immediately.

Company response to consumer: Closed with explanation