vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: MI

Complaint narrative:
After checker was suppose to delete all my data they continue to furnish inaccurate information about me to XXXX XXXX. The information that was reported such as warrants and tickets that I have paid is inaccurate along with the dates. This has caused me to lose a position with the XXXX XXXX company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report 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 non-monetary relief
Consumer complaint received 2025-01-03 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: DC

Complaint narrative:
In accordance with the fair credit reporting act Experian consumer reporting agency may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than XXXX years old, Experian is reporting a late payment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX type Credit Card Date open XX/XX/XXXX Status Paid/Closed Late Payment 2018 15 USC 1681 Section 602 States I have a right to privacy. 15 USC 1681 Section 604A Section 2 : It is also states a consumer reporting agency can not furnish account without my written instruction. 15 USC 1666 B : a creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2025-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
On XX/XX/year>, I returned a purchased item to XXXX XXXX XXXX and received a receipt ( apple pay ) showing the return and credit. The credit in the amount of {$35.00} has not been posted to my account. I have both spoken to and chatted with Goldman Sachs ( Apple ) XXXX customer service, but they say they can't help with the missing refund because it has not appeared in their system. I have provided them with a copy of both the Credit Refund customer copy and the store 's batch report, both showing the credit. Their only suggestion was to ask the store for another refund, but that's not possible because the store has already had the amount deducted from their account, as shown on the store 's batch report. I've attached a XXXX  showing both receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: MI

Complaint narrative:
I am a victim of a data breach, in which my personal information was exposed. As a result of this breach, I am requesting that any fraudulent accounts opened in my name be blocked and deleted in accordance with my rights under 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ). 
Specifically, I request that Experian block and delete : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  -- Charge off {$150.00} Collection Accounts : XXXX XXXX -- - Balance : {$590.00} XXXX XXXX XXXX -Bal {$340.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  These accounts were opened or created as a result of identity theft or unauthorized use of my personal information. I believe this account is a direct consequence of the data breach and should be promptly addressed. 
To support my request, I have enclosed the following documentation : A copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ). A copy of my government-issued identification, Proof of address Any other required documents for verifying my identity and the fraudulent activity. 
Please take the necessary steps to block and delete this fraudulent account associated with identity theft from my credit file. In accordance with the FCRA, I request written confirmation that these actions have been completed and that my credit report has been updated accordingly

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 2025-01-06 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-01-03 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: TX

Complaint narrative:
I received a copy of my credit report and found inaccurate inquiries not authorized by my self. I have no knowledge of these inquiries. Inquiries are from 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 2025-01-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MD

Complaint narrative:
I have an agreement between the XXXX XXXX XXXX XXXXXXXX to provide 2 years of service in a rural setting in exchange for two payments totaling {$50000.00}. The first payment was made on XX/XX/year> addressed to XXXX the loan lender. I have reached out to XXXX multiple times since then and they repeatedly inform me that they have not recieved any payment. I have spoken with the XXXX XXXX  XXXX XXXX who tell me that payment has been sent and they have confirmed this with a check number. Since this time I have been trying to sort out where the first payment, totaling about {$25000.00} is. I am hoping for some resolution or help in sorting this out. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to formally address an ongoing issue with the reporting of an account that I believe is inaccurately reflected on my credit report. After reviewing my recent credit report from your bureau, I have found that the account XXXXXXXX XXXX XXXX continues to report incorrect information, despite my prior attempts to rectify the situation. 

As outlined under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, 1681s-2, and 1681c, I am requesting that you immediately take action to ensure the information regarding this account is fully corrected and that the updated and accurate details are reflected in my credit file. 

Under 15 U.S.C. 1681, credit reporting agencies are required to maintain accurate and complete information. Furthermore, 15 U.S.C. 1681s-2 places responsibility on furnishers of information ( including creditors and financial institutions ) to report accurate data to the credit bureaus. Lastly, 15 U.S.C. 1681c sets clear guidelines regarding how long negative information, such as charge-offs, should remain on a credit report, and mandates that any outdated or erroneous data be promptly removed. 

If the inaccurate information continues to be reported, I will have no choice but to pursue legal action against your organization for violating the FCRA, as it is essential that all information reported on my credit report be accurate and in compliance with federal law.

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 2025-01-03 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: CO

Complaint narrative:
Equifax is continuing to report an account on my credit report that is due to identity theft and fraud. The FTC and bank has investigated and confirmed that it is fraudulent and the account doesn't belong to me. It should be removed. This is for the XXXX XXXX XXXX XXXX account ending in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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: MI

Complaint narrative:
Hello, good day. I kindly ask that you treat this matter with the seriousness it deserves, as it has caused me significant stress and anxiety. I am a victim of identity theft, and my personal information was used fraudulently. As a result, there is an item on my credit report that I have no connection to and was never associated with. Following the guidance provided by TransUnion, I promptly filed a report with the FTC and submitted it to address this issue. Despite my efforts, this fraudulent item still remains 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
Consumer complaint received 2025-01-03 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: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX  XXXX XXXX. XXXX  XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I received a letter from Citi, N.A. stating that I was enrolled in " XXXX '' and charged monthly fees without my consent or knowledge and may be eligible for a refund. The account ending ; XXXX Customer Ref # XXXX Date of letter ; XX/XX/year> addressed to ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX A website was listed, but the webpage no longer exists ; www.Citi.com/XXXX  This letter was just recently found in the back of a file drawer while cleaning out my office. Any help would be greatly appreciated. Thank you. 
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 2025-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: NAVY FEDERAL CREDIT UNION
State: KY

Complaint narrative:
Navy Federal Credit Union failed to process IRS Form 1099C to cancel debt and failed to understand that The Uniform Commercial Code ( UCC ) contains rules applying to many types of commercial contracts, including those related to : the sale of goods the lease of goods the use of negotiable instruments banking transactions letters of credit documents of title for goods investment securities, and secured transactions. 
******** The credit card is covered by UCC. Navy Federals failure to Accept our Offer of Cancellation of Debt tendered using IRS Form 1099C is their acceptance under UCC that the full debt has been settled. 

Instead of abiding by UCC, Navy Federal Credit Union gave false information using wire in the interstate business of credit and negotiable instruments as all federal reserve notes are negotiable instruments and Navy Federal Credit Union violated Public Law 73-10 in specifying a form of species and failing to settle the debt. 

Please see NFCU response Subject : CC : IRS FORM 1099C and W-9 Navy Federal Response XX/XX/year> : UCC governs the sale of goods. No goods are exchanged ( neither bought nor sold ) between Navy Federal and its members. A line of credit extended by Navy Federal to a member to purchase goods is not governed by UCC.

Per the terms and conditions of the credit card agreement form ( NFCU 573 CC ) that was sent, payments must be made in U.S. dollars via mail, electronic transfer, or in person at a branch. 

We are unable to assist with settlement requests via our eMessaging system. We encourage you to contact our Collections Department directly to discuss your request. 

We can be reached at XXXX, ext. XXXX. Counselors are available to assist you Monday through Friday from XXXX XXXX  to XXXX XXXX, Eastern time. We look forward to speaking with you as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
The XXXX data breach and other breaches has severely impacted my ability to secure housing and basic services. Due to compromised credit, I've been unable to lease or rent a car, and my income is considered sufficient by landlords or dealerships but my credit history hinders me. I was unaware of these issues, especially during COVID, and some original creditors have sold my debt, making it impossible to get clear information. As a result, I am facing homelessness and severe financial barriers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MI

Complaint narrative:
The XXXX data breach and other breaches has severely impacted my ability to secure housing and basic services. Due to compromised credit, I've been unable to lease or rent a car, and my income is considered sufficient by landlords or dealerships but my credit history hinders me. I was unaware of these issues, especially during COVID, and some original creditors have sold my debt, making it impossible to get clear information. As a result, I am facing homelessness and severe financial barriers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-03 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: NV

Complaint narrative:
XX/XX/year> an XXXX XXXX XXXXXXXX was submitted to this credit reporting agecy to correct an error on payment history for my XXXX XXXX Acct and was not properly resolved. 

Additionally, I filed a dispute directly with the agency and referenced the AUD they recieved and still did not correct the error. 

The lack of responsiveness, attention to detail, and failiure to process a required AUD is troubling to say the least. 

I expect the Agency to rectify the issue without any further requirements on my end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-03 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 am a victim of trafficking, and the information listed below on my credit report is a result of that trafficking : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$1300.00} In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request. 

Thank you for your prompt attention to this urgent matter.

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 2025-01-03 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt, Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Experian.

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 2025-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
Address : TRANSWORLD SYSTEMS INC. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Our Account # : XXXX Balance Due : {$280.00} This is the Sum of the Balances from XXXX Accounts. 

I received an email from these people requesting money. I called the XXXX XXXXXXXX people and they said it is fraud. If you would like me to forward a copy of the email I can send that too.

Company response to consumer: Closed with explanation