vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-05 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: FL

Complaint narrative:
I did not authorize these inquiries on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no consent neither did I authorize them

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 2024-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I am reaching out to request assistance with a debt appearing on my credit report that does not belong to me. I have previously contacted the credit reporting agency and the creditor to dispute this entry, but they have refused to remove it despite my providing evidence that the debt is not mine. This inaccurate information is negatively affecting my credit, and I am urgently seeking resolution. 

I am requesting that the CFPB investigate this matter and assist in ensuring that my credit report accurately reflects my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 Recently, I did an investigation on my credit report which caused me serve XXXX because I found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

I checked the Equifax data breach website and seen that my personal information was impacted by the breach I have attached a screenshot of that confirmation document. 

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?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an incorrect late payment report for my Pledge Loan with Navy Federal Credit Union. The loan was fully paid off in XX/XX/year>, with the last payment made on XX/XX/year>. However, I have discovered that Navy Federal has erroneously reported a XXXX late payment to all three major credit bureaus ( XXXX, XXXX, and XXXX ) for the month of XX/XX/year>, which has resulted in a significant decrease of XXXX points to my XXXX XXXX. 

Upon contacting Navy Federal, they acknowledged that this late payment report was caused by a system error, but advised me to dispute the matter directly with the credit bureaus. I believe this to be an error on Navy Federal 's part, as the loan was paid in full, and no payment was missed or overdue. 

Details of the loan : Account Type : Pledge Loan Amount Owed : {$0.00} Last Payment Date : XX/XX/year> Disputed Late Payment Date : XX/XX/year> I request that the credit bureaus investigate this issue and remove the incorrect late payment notation from my credit reports. This erroneous report is having a negative impact on my credit score, which I believe to be unjustified given that the loan was fully paid on time. 

I appreciate your attention to this matter and request that it be resolved as promptly as possible. Please confirm receipt of this dispute and provide updates on the progress of the investigation. 

Thank you for your time and assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 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 2024-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
i was given a XXXX XXXX  check drawn on the XXXX  XXXX XXXX for a project by a new client that i didnt know. on XXXX, i went into my wells fargo bank branch in XXXX XXXX and asked them to verify that the check was good. the teller said it appeared to be a valid check and then deposited the check on into my checking account. the next day i got an email notice from wells fargo bank saying that the check cleared and the funds were available in my checking account. on XXXX i received another email notice that the clients check had bounced. wells fargo bank told me the check appeared to be fraudulent and they removed the funds from my checking account. 

i thought, i had covered myself against any possible fraud since the funds had cleared my bank and where in my checking account. at that time, i began work on the project. i paid my clients vendor XXXX XXXX via 3 separate XXXX  transactions for stone he said, he had purchased from his vendor to be used on the project. 

wells fargo bank deposited my clients check into my checking account after i asked them if the check looked real, then the bank cleared the funds into my checking account the following day. so assumed i was good to start the project, which i did. 6 days later on XXXX wells fargo bank told me the check had bounced and they removed the funds from my checking account. i had begun work and paid vendors. i acted on good faith that the clients check had cleared and the money was safely in my checking account for my use. i think the bank should have put a hold on the funds if they had any reason to believe it may be fraudulent. wells fargo bank is refusing to reimburse me for the amount of the clients bounced check which was {$12000.00} including the XXXX XXXX  transactions i paid out totaling {$2000.00}. 

it turned out in the end, that the new client wasn't actually who he pretended to be and all the contacts and vendors the client gave me where also not actually who or what they pretended to be. they ran a fraudulent scam and got away with {$2000.00}. of XXXX payments plus the loss of time and expenses to my business totaling {$10000.00}. the grand total of my loss is {$12000.00} i filed a police report case number : XXXX XXXX XXXX police department, company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX office : XXXX  / financial crimes unit : 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 2024-11-05 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: NY

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL this complaint is for Equifax failure to follow the guideline of the law is a violation of willful noncompliance ( 15usc 1681n ). 1- as a victim of XXXX XXXX Consumer Reporting Agencies have up to 4 business days upon receipt of the Submission to temporarily block the identified Adverse Information from Consumer Reports. 1022.142 ( e ) ( 1 ). 2- After the block Consumer Reporting Agencies have up to 5 business days upon receipt of the Submission to contact the Survivor or their Advocate about any missing information regarding their Submission, if needed. 1022.142 ( e ) ( 2 ) ( i ). 3- - Consumer Reporting Agencies have up to 25 business days upon receipt of the Submission to make a final determination about whether the block will remain permanent, or the block will be rescinded. 1022.142 ( b ) ( 6 ) ( ii ) ( B ).

To whom it may concern, I am a survivor of XXXX XXXX The adverse information listed below, which may appear ( or currently appears ) on a Consumer Report or Background Check, is the result of XXXX  : Equifax : - Public Record : XXXX XXXXXXXX bankruptcy dismissed - XXXX - Creditor : XXXX XXXX XXXX XXXX XXXX - Creditor : XXXX XXXX XXXXXXXX - Creditor : XXXX XXXX XXXX XXXX- XXXX XX/XX/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 explanation
Consumer complaint received 2024-11-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
We got a {$500.00} gift card from American Express for our wedding in XXXX We tried to use the card at several merchants over the years ( several different hotels under different brands, several online merchants including XXXX ) but it gets declined every time. We can see the balance and the card is active with no expiration. Tried calling American Express and they just offer automated prompts and never allow you to speak to a person on how to rectify. 

Seeing multiple threads online with people having the same issue. Shameful how difficult this is. Please help me access these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have no knowledge neither did I consent to these inquiries in my credit file XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-05 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX and this is not a third party filing this complaint. I have ask the credit reporting agencies for validation and verification of their reportings and they have failed to do so. Its been over 45 days and at this point I must demand for those attached accounts to be removed. Thank 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 2024-11-05 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: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to transactions that I have made/accounts that I have opened, as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act. 
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 2024-11-05 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: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately 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 2024-11-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IA

Complaint narrative:
After the transition to MOHELA in XXXX, my payments have not been processed in a timely fashion. I continue to have money pulled from my account, but it is not applied to my loans for months afterwards XXXX {$300.00} auto pulled from my bank account. Did not apply to loan. 
XXXX I received a past due email XXXX I paid minimum payment of {$170.00}, thinking that auto pay had gotten mixed up during the transition. I set up auto pay again and got an email that I was enrolled in auto pay. 
XXXX {$300.00} auto pulled from my bank account. Did not apply to loan. 
XXXX I received an email that auto pay was scheduled for XX/XX/XXXX. 
XXXX {$300.00} auto pulled from my bank account. Did not apply to loan. 
XXXX I received a past due email and paid {$350.00} to make sure that my account was paid up. 
XXXX I called MOHELA. The man I spoke to could see that they had been pulling from my bank account, but not applying the payments to my loan. He put in a ticket but said that it should be fixed before the XXXX payment. 
Week of XXXX The XX/XX/XXXX payment posts to my loan and is backdated. 
XXXX {$300.00} auto pulled from my bank account. Did not apply to loan. 
XXXX Spent three hours on hold with MOHELA XXXX The woman I spoke to was very unhelpful. She did not see that they had pulled money from my account. She asked that I upload a bank statement to their system to prove it. I asked how I should know when I actually need to make a payment if their system is running nearly two months behind. I asked for something in writing to ensure that I would not need to pay any fees or additional interest. She refused to provide that. I asked if I could record her saying that there would be no additional interest, and she ended the call. 

Currently, MOHELA has {$600.00} of my money and can't tell me if or when it will be applied to my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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: Affirm Holdings, Inc
State: NC

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize and did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-05 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:
iam a victim of identity theft and my identity is out there with someone being used from someone in everything i travel a lot and iam old school i don't even know how to check my credit my wife was checking my credit report and she showed me accounts i don't recognize and been used for a while and this is dangerous i just found aclled my lawyer and he told me that the bureaus and the creditors were supposed to notify me 5 days prior any reporting and i was not notified and this is illegal and against the law as of 15 U.S.CODE 1692g Validation of debts they violated my consumer rights and privacy and harmed me i will take legal actions against the bureaus and the creditors cause no one is giving me signatures or contracts or any proof or evidence so i can protect my self and in 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. 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, other than records of convictions of crimes which have dates the reports 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 in inaccurate Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. these are the accounts : XXXX. XXXXXXXX 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 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 2024-11-05 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:
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 XXXXXXXX, I did an investigation on my credit report which caused me serve XXXX because I found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

I checked the XXXX data breach website and seen that my personal information was impacted by the breach I have attached a screenshot of that confirmation document. 

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?

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