vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-25 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: GA

Complaint narrative:
A few years ago I sent My personal information to XXXX XXXX XXXX XXXX at that time they wore a breach in XXXX XXXX and May Information was stolen Because of that Since then I have received all these negative information on my credit report that is not mine and I want them off. The first account was XXXX XXXX XXXX a XXXX XXXX XXXX XXXX employees XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Just to name a few of the accounts that I saw on my credit report also some of them are in a collection status and some of them are in a charge of status. All these collection accounts and charge off accounts that are listed on my report are not mine. I have never been late on any of my obligations And to see the credit reporting agency Destroy My life when they were in the wrong.in accordance with the fair credit reporting act convergent accounts all of them has violated my Rights 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 2024-06-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
On XXXX  XX/XX/2024 I checked my account while at the donut shop and discovered that over {$XXXX} was missing overnight. I was shaking and nervous and trying to call XXXX to make the report. I immediately made the report and could not understand why XXXX never sent me a message questioning all the transactions XXXX transactions- from XXXX different hotels in different states. I called XXXX  on the next day to get any information I could. I was giving the hotel phone number and I contacted them and they admitted that my ID was not shown. I still have my ID and the card that was used. XXXX hotel stated she could give XXXX  the ID of the person but not me. She was the XXXX and she gave me her personal phone number to give XXXX. She in fact called the police on the person. I provided all this information to XXXX and still XXXX weeks later I am without my funds. There is a posted review from another customer who states XXXX  gets you in a bind so they can profit. I feel this way also - I had to get a loan from them to cover my bills. I have a child in college and a sick mom and now I have to deal with this. XXXX  advertise " XXXX XXXX XXXX XXXX  uses state-of-the-art fraud prevention technology to help prevent fraud and related security problems '' this was not true for me. No one could tell me why I did not get the provisional credit. I have good credit and never had a check to bounce. I was told by one of the " Supervisors '' I spoke with that the Supervisor who told me that she spoke with the investigator and said it was just a matter of crediting my account - never happened ; the Representative who told me she reached out to the expedite team because it has been over 10 days that The XXXX team is nonexistent. I ask this Supervisor to PLEASE PLAY BACK the call and see I am not making this up. I AM BEING TREATED AS IF I STOLE THE MONEY. I am a XXXX Vet and Federal emp a member for over 15 years and this type of treatment has me seeking another finical institution

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-25 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: PA

Complaint narrative:
I am writing to dispute an unauthorized inquiry on my credit report. In accordance with 15 U.S.C. 1681b of the Fair Credit Reporting Act, I am requesting that [ XXXX ] investigate and remove this inquiry from my credit report. 
I have recently reviewed my credit report and noticed an inquiry from [ XXXX XXXX ] dated [ XX/XX/year> ]. I want to clearly state that I did not provide written consent for [ XXXX XXXX XXXX ] to access my credit information or to perform any inquiry.

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 2024-06-25 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX : Demand for Removal of Unauthorized Credit Inquiries under FCRA Section 609 To Whom It May Concern, I am writing to demand the immediate removal of the following unauthorized credit inquiries from my credit report. These inquiries were made without my consent and in violation of the Fair Credit Reporting Act ( FCRA ) Section 609.The inquiries in question are : Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Reason : You failed to verify and validate all data for this inquiry, including every notation, date, and balance.Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : You failed to verify and validate all data for this inquiry, including every notation, date, and balance.Inquiry Name : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Reason : You failed to verify and validate all data for this inquiry, including every notation, date, and balance.Inquiry Name : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : You failed to verify and validate all data for this inquiry, including every notation, date, and balance.In response to complaint XXXX, your investigation led you to believe that the information was factual. However, I contacted the data furnisher directly, and they were unable to provide verifiable proof that these inquiries were authorized by me. Therefore, according to FCRA Section 609, I demand that these inquiries be removed from my credit report immediately.Please send me a written statement confirming that these inquiries have been removed. If you fail to comply with this demand, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to enforce my rights under the FCRA.Thank you for your prompt attention to this matter. I look forward to your swift response.Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
PLEASE REMOVE ALL UNAUTHORIZED HARD INQUIRIES FROM MY CREDIT REPORT WHICH INCLUDES XXXX CARD ON XX/XX/XXXX, XXXX XXXXXXXX ON XX/XX/XXXX AND XXXX ON XX/XX/XXXX. XXXX. 

THANKS

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 2024-06-25 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: NV

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and maybe false. Please act right now to resolve this problem. For more information, see the materials that are attached.

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 2024-06-25 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: VA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Today ( XX/XX/year> ) I received a Chase Freedom XXXX card that I did not request or give consent for. The numbers that were provided on the form that came with the card have numbers clearly geared to sell you a medical alert monitoring service or to get you to an agent to discuss XXXX XXXX XXXX plans. When I called the numbers provided ( XXXX and XXXX ) it was a hard push to enroll in this medical monitoring plan where they offer a free device. No one would tell me who sent the card and at one point I was hung up on when I indicated that I was not going to be taking part in their program. I called the number on the back of the card ( XXXX ), I was able to get the card cancelled and it to be marked as fraudulent. They could or would not tell me who sent it and did confirm that there was no activity on the account. A few weeks ago, a guy walking the neighborhood stopped me as I was picking up our trash cans from the curb and wanted to talk about solar panels. He had the word " Freedom '' on his badge. He was pushing hard to get one of our power bills which I did not give him and insisted he spoke with my husband ( which he did not ). He went away after he decided I was not going to give him anything. Not sure if these two incidents are related or not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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:
TransUnion, 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 a personal credit card account opened at XXXX XXXX under the account number ( XXXX ), XXXX XXXX under the account number ( XXXX ) XXXX XXXX  under the account number ( XXXX ), XXXX XXXX  under the account number XXXX ), XXXX XXXX under the account number XXXX ), XXXX XXXX  under the account XXXX XXXX ) I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All if the aforementioned accounts are a result of identity theft and fraud. I have attached a copy of a FTC Identity Theft Criminal Complaint Case XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts are a result of identity theft and fraud. 

MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR ; NOR IS MY REQUEST TO BLOCK BEING MADE ON THE BASIS OF MATERIAL REPRESENTATION OF FACT BY ME RELEVANT TO THE REQUEST TO BLOCK THE IDENTIFIED TRANSACTIONS. I HAVE NOT knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block.

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 2024-06-25 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: FL

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: NY

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I applied and got the Citi card for XXXX XXXX XXXX. The promotion promised {$400.00} off my flight. The payment is due soon so I made the full payment. But I tried calling their XXXX number over 6 times. Everytime the automated system didnt recognize my social security number somehow. The one time I was barely able to get through their XXXX awful automated system to a human, they also couldnt pull up my account and gave up. I have XXXX ability to see why I am not getting the {$400.00} off. And since theres probably interest next month, they must apparently mail me a check for the {$400.00} off, and close account as I do not trust them anymore since they cant even verify my account, yet I can log in easy enough

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 2024-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I refinanced my vehicle with Navy Federal Credit Union in XX/XX/XXXX. I signed submitted all required paperwork for them to take over the lien and Title. But they never obtained the title and raies my interest rate to 18 %. This should not have been done because I submitted the paperwork more than once for NFCU to be the lien holder. 
In aprox. XXXX of XXXX I got a registration loan on the vehicle and somehow the place I got the loan but somehow they put a lien on the title making them the lien holder. 
In XXXX I asked them to refinance the loan and add the amount owed to the loan company so that it will pay off the loan and give NFCU possession of the title and they declined the loan. I have been paying higher interest on my auto loan and should not be paying more because this was an error on their part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I attended XXXX XXXX XXXX XX/XX/XXXX through XXXX. A for-profit school that is on the list of schools XXXX formerly XXXX XXXX when my school initiated my loans, is known for having deal with for preditory lending. After the XXXX settlement XXXX i learned that i would not recieve forgiveness of my private loans due to the fact i had been repaying them. In XXXX of XXXX i asked for help or information about having my loans forgiven or XXXX due to this misconduct from my school and the amount i have already paid XXXX over the last 15 years that exceeds the original borrowing amount of {$XXXX}. As of XXXX XXXX I have paid {$XXXX} in interest and my principal balance still increasing as I struggle to make the payments. On XX/XX/XXXX I read about and requested the School Misconduct Discharge application which I was told would either be sent to me or i would get a letter explaining why I would not qualify for the School Misconduct discharge and as of today XX/XX/XXXX I have heard nothing from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: STATE EMPLOYEES CREDIT UNION
State: FL

Complaint narrative:
A small {$XXXX} line of credit account was opened in XX/XX/XXXX with my primary bank at the time, XXXX XXXX  state XXXX 's XXXX XXXX. The account was paid on time, paid as agreed until it was closed by my request in XXXX of XXXX. As of XXXX, I discovered that XXXX was reporting blatantly inaccurate and false information about this account. In XX/XX/XXXX, I filed a series of disputes with XXXX and contacted the data furnisher, XXXX by phone. After a series of failed attempts to correct the information, I filed a formal dispute with XXXX in XX/XX/XXXX by mail. Attached are the results of the disputes with XXXX and with the XXXX, XXXX. All attempts to resolve the reporting errors through the formal dispute process were unsuccessful. XXXX stated in the letter dated XX/XX/XXXX, that the account was updated to report as paid and closed however XXXX 's reporting of this account remains riddled with errors including reporting this account as too new to rate. 

The account reporting errors as recorded by XXXX currently include, but are not limited to the following : Reporting the account status as " Too New To Rate, '' reporting the close date as XXXX, when the account was closed in XX/XX/XXXX at the request of the consumer, High Credit was {$XXXX} for which the balance at closing was {$XXXX, Date Reported should reflect soon after the account was closed in XXXX, not XX/XX/XXXX. 

This complaint is being filed for the purpose of resolving the errors currently reporting on this account and to bring attention to inadequacies of the XXXX dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have gotten multiple calls from XXXX XXXX, always from a different phone number. They don't leave voicemails. I answered once and told them to stop calling me, but they ignored me and called again several more times. The following is a list of phone numbers they have used, along with timestamps ( XXXX ) : XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: GA

Complaint narrative:
I notify XXXX about the inaccurate balance and payment history reporting wrong on my consumer credit report. The XXXX customer service verify that my account I was dispute are investigations .I have sent out several letters prior before calling them serval time .This matter is very frustrating and also damaging my credit report. They're four credit card account that is reporting late payments which was never late and is pay off / good standing 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 non-monetary relief
Consumer complaint received 2024-06-25 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: GA

Complaint narrative:
I notify XXXX about the inaccurate balance and payment history reporting wrong on my consumer credit report. The XXXX customer service verify that my account I was dispute are investigations .I have sent out several letters prior before calling them serval time .This matter is very frustrating and also damaging my credit report. They're four credit card account that is reporting late payments which was never late and is pay off / good standing account.

Company response to consumer: Closed with explanation