vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-21 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: FL

Complaint narrative:
I sent in a Debt Validation letter and Method of Verification letter to TransUnion for an inaccurate account reporting on my consumer report. TransUnion failed to do a thorough investigation for the accounts listed below. TransUnion also failed to send me the methods of verification used to validated this account. Which is a violation under 15 U.S.Code 1692g Validation of debts and under FCRA section 611 ( a ) ( 6 ) and ( 7 ). Validating debt on consumers report is a violation under 15 U.S Code 1692f for unfair practices. My first Debt Validation was mailed XXXX, 2024 to TransUnion.TransUnion instead of doing a investigation and verifying if the debt is accurate they updated the information so it stands on my report longer which is a violation. These accounts report on my report at least XXXX times or more. I provided proof showing the inaccuracies on these accounts from dates, limits, balances, and payments made were all INCONSISTENT and DIFFERENT across the credit reporting agencies. TransUnion them self sent proof of the verifying these accounts as OPEN with a PAST DUE BALANCE which is another violation of 15 US CODE 1681 ( b ) Reasonable procedures. Which states that consumer reporting agencies adopt reasonable procedures 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, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. Lastly, I never gave written consent to have any unauthorized or negative accounts to be reporting to my consumer report these negative accounts are affecting my credit worthiness and financial reputation under 15 U.S. code 1681 ( B ) ( 2 ).

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 2024-05-21 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: SC

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2024-05-21 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: SC

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2024-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
I believe these entries have not been properly verified by the reporting banks. According to the Fair Credit Reporting Act ( FCRA ), all information reported to consumer reporting agencies must be accurate and verifiable. I am requesting an investigation into these accounts and their immediate removal if the banks can not provide concrete evidence that these accounts are indeed mine, such as account opening documents with my signature or other evidence of my authorization. The presence of these unverified or inaccurate accounts is negatively impacting my ability to open new bank accounts and manage my financial affairs.

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed with Experian twice already that XXXX  XXXX XXXX and XXXX XXXX XXXX is reporting a late payment in error. In XXXX my credit report reflected a late payment for XX/XX/2024. I disputed it the inaccurate information. It came back as accurate reporting. Now, my Experian credit report shows that both my XXXX  XXXX cards XXXX payments are positive status and my XXXX payment is late, but shows I was 30 day past due in XXXX. 
Both of these inaccurate late payments have reflected major damage to my credit score and has now cause 2 of my other credit cards to raise the interest rate and lower my line

s of credit because of the inaccurate reporting. This is clearly a violation of my rights. Also, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

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 2024-05-21 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: VA

Complaint narrative:
On XXXX XXXX XXXX my wallet and phone was taken from my car. I called and informed Chime because my SSDI payment was to go to the bank they cancelled my Chime debt card and issued me a new one due to arrive around the XXXX of XXXX. On XX/XX/XXXX I was able to regain access of my chime acct after my new phone arrived and I downloaded the app. On that day my life partner of XXXX XXXX XXXX who I share a child needed to pay bills in my house so I gave her access to my chime account by giving her my password and user name also a XXXX digit code that was sent to my phone she transferred {$700.00} dollars to herself to pay bills I received a email about this and I confirmed that it was me who did this transaction. The next day I'm in XXXX buying food for my children with the last amount of money I have only to discover my acct is blocked and I have no access to the last {$260.00} in my acct. I leave the store immediately calm chime only to be told without a valid id I will not be able to get my money so the next day I closed my acct with the understanding that chime had XXXX calendar days to refund my money back to me that date would be XX/XX/2024 i called to chime on XXXX XXXX to inquire about my refund and was told my money was still in my acct and did I want to reopen the acct so I could have access to my money because they were not able to meet the XXXX refund I asked if that would work I spent all day being lied to hung up on only to not have any money and the account isbnot open. Because of the lies and deception my kids went without enough food this month I want chime to have to pay my and and a {$100000.00} penalty for failing to follow a court order and lying to me about the return of my money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: SC

Complaint narrative:
I attempted to use my card for dinner and it was declined, I attempted the next day and still the same thing. No message from the company was sent of the soon to be or existing issue. Once I contacted someone they then informed me of the issue with XXXX XXXX and they have nothing to do with the issue. There still ( after 1 week and 1 day ) have been any communication on what's happening or how I can access my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: SC

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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: SC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XXXX I received a message from the cryptocurrency exchange 'Coinbase ' explaining my account was being forcefully closed with no explanation other than an unspecified violation of Terms of Service. To my knowledge there has been zero cause for a violation.

After this point access to my account was restricted and upon logging into coinbase.com I am presented with a screen detailing my crypto holdings with no process to recover them. The page informs me I must empty these accounts so they can proceed with closure, however they provide no process to transfer funds. 

The assets being withheld from me are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX The estimated value of these assets as of XXXX is {$100000.00} USD.

I have provided information to verify the issue and my account on XXXX. Their support agent said I was experiencing a non descript " technical issue '' that their team is working to rectify.

I contacted Coinbase support again and received a response on XXXX that they are still looking into the issue. This length of time seems sufficient to have sorted out their issues, or to have worked to provide me with a workaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: SC

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: FL

Complaint narrative:
The inquires remain on my credit report!!! 
Transunion and XXXX arent fixing my issue!!!!!! They both closed out my inquiry dispute and nothing was removed!!!!!!

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and 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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX days ago, I have not received a response, and satisfactory validation has not been provided. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over XXXX days ago, I have not received a response, and satisfactory validation has not been provided. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2024-05-21 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: VA

Complaint narrative:
On XX/XX/XXXX, my NFCU bank account login was hacked. I was contacted by the scammers unbeknownst to myself. A " XXXX XXXX '' took out a XXXX loan while in my account and I never received the loan documents or authorized this loan. Once the money had been deposited into XXXX of my checking accounts, the scammers got XXXX separate transactions from that XXXX deposit totaling {$8900.00}. This was reported to NFCU when they told me to update my phone, change all email passwords, before allowing me access back into my NFCU account. My initial fraud claim was denied and I received this notice when I got a letter from NFCU stating I owe them {$17000.00}. I filed an appeal and on XX/XX/XXXX I was notified over the phone that my appeal will also be denied still finding me liable. On XX/XX/XXXX I contacted the security department to request what steps were taken to even look into this fraud claim and they told me they can not share anything with me regarding the reason for denial and my only recourse is yet another appeal. I am seeking legal assistance to combat this wrongful decision. 
Attached is the statement from my mobile app showing the loan for XXXX has been satisfied. 

Since the appeal was written in XXXX, I have learned from the XXXX XXXX department that the individual who applied for the loan put down his name as " XXXX XXXX '' and stated he had no income and was a part-time XXXX XXXX No one by the name of XXXX XXXX is an authorized user on my account, and as previously stated, I was locked out of my account when NFCU authorized this fraudulent loan and allowed XXXX external bank transfers to take place from this XXXX deposit into my checking account. 

I plan to add this information to the second appeal form since it has been brought to my attention that they apparently do no additional investigations themselves and rely on the statements I provide to make their determination. 

In no way is NFCU losing {$17000.00} and therefore it is exceedingly apparent they are grossly negligent in their demand for my repayment of such a figure within their denial letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I don't recall having a contractual relationship with this collection company LVNV FUNDING LLC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( XXXX ) Debt XXXX are legally obligated to adhere to 15 U.S. Code 1692e ( XXXX ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I received Transunion 's investigation response on XXXX XXXX XXXX per the CFPB website. It appears that despite the multiple errors and inaccuracies that were circled on the credit report and provided for their review; they still simply responded with the following : XXXX-VERIFIED AS REPORTED ( 6 ) This either means they really didnt look at any of the documentation which is proof of multiple errors. Or they reviewed it and simply ignored my legal rights to have accurate and fair reporting on my consumer profile. Either way they are in violation of : 15 USC 1681 E ( b ) Accuracy of report & 15 USC 1681 I ( 7Description of reinvestigation procedure.

They are providing general and generic descriptions to the investigation process which provides no specific details as to how they are driving at accounts as verified as reported when there are clearly multiple inaccuracies. 

Transunion is not taking my matter seriously and I believe that there whole investigation process is a scam. I recently pulled my credit report On XXXX XXXX XXXX and discovered that all the accounts they said are accurate are ALL still wrong! I will uploaded a copy of the current report showing there are still errors. 
I require these accounts be deleted immediately upon confirmation per guidelines of FCRA. 
15 USC 1681 I ( 5 ) Treatment of inaccurate or unverifiable information. 

Complaint filed with 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 2024-05-21 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: FL

Complaint narrative:
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 XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) XXXXection 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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.

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