vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-05 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:
I am writing to formally dispute two fraudulent inquiries that have appeared on my credit report without my authorization. The inquiries in question are as follows : - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These inquiries were made without my consent and are the result of identity theft. As a consumer, I am protected under both the Fair Credit Reporting Act ( FCRA ) and California Consumer Credit Reporting Agencies Act ( CCCRAA ), which mandate that any unauthorized or fraudulent inquiries be removed immediately upon notification. 

To support my claim, I have enclosed the following documentation : 1. A copy of my government-issued identification.

2. An updated copy of my official FTC Identity Theft Report.

3. A copy of this dispute letter for reference.

# # # Applicable Laws : - **Under FCRA Section 605B**, fraudulent information, including unauthorized inquiries, must be blocked from my credit report when identity theft is reported.

- **California Civil Code Section 1785.16 ( k ) ** further provides that credit reporting agencies must investigate disputed items within 30 days and remove or block any fraudulent inquiries.

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 2024-09-05 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:
I am writing to formally dispute two fraudulent inquiries that have appeared on my credit report without my authorization. The inquiries in question are as follows : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX These inquiries were made without my consent and are the result of identity theft. As a consumer, I am protected under both the Fair Credit Reporting Act ( FCRA ) and California Consumer Credit Reporting Agencies Act ( CCCRAA ), which mandate that any unauthorized or fraudulent inquiries be removed immediately upon notification. 

To support my claim, I have enclosed the following documentation : 1. A copy of my government-issued identification. 
2. An updated copy of my official FTC Identity Theft Report.

3. A copy of this dispute letter for reference. 

# # # Applicable Laws : - **Under FCRA Section 605B**, fraudulent information, including unauthorized inquiries, must be blocked from my credit report when identity theft is reported.

- **California Civil Code Section 1785.16 ( k ) ** further provides that credit reporting agencies must investigate disputed items within 30 days and remove or block any fraudulent inquiries.

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 2024-09-05 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: VA

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 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 2024-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XXXX, my cousin tried to send me {$90.00} via XXXX to my Navy Federal Credit Union checking account. One charge was for {$1.00} and the other charge was for {$90.00}. She banks with XXXX. My cousin XXXX account was hacked around the time she sent the XXXX, so she reported certain charges on her bank account as fraud. Her bank unfortunately reported her XXXX transfer to my account as fraud, and XXXX XXXX put a level XXXX restriction on all my accounts, including my credit card account. This is unfair to me because I have been a customer with XXXX XXXX  for over 16 years. XXXX even had her bank send a letter saying that they made a mistake by including the transfer as one of the fraudulent charges. I submitted an appeal to XXXX XXXX  with no luck. This is unfair.

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 2024-09-05 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I XXXX XXXX Never Signed, Provided Documentation or Have any first hand Knowledge About ANY account Authorization That took place with ANY ACCOUNTS LISTED IN THIS COMPLAINT EVER! WITH THE CREDITORS BELOW or! Any Documents Those companies RECEIVED WAS FRAUD and I stated to the creditors also. I'm a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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: NC

Complaint narrative:
I XXXX XXXX Never Signed, Provided Documentation or Have any first hand Knowledge About ANY account Authorization That took place with ANY ACCOUNTS LISTED IN THIS COMPLAINT EVER! WITH THE CREDITORS BELOW or! Any Documents Those companies RECEIVED WAS FRAUD and I stated to the creditors also. I'm a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2024-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I have student loan debt from attending XXXX school at XXXX  XXXX XXXX XXXX and XXXX XXXX. I have been practicing as a XXXX XXXX XXXX XXXX since XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and due to my student loan debt of {$54000.00} being reported by XXXX to XXXX, TransUnion, and XXXX, I am not able to purchase a home or consolidate my debt because my debt to income ratio, is too high. My student loans are in good standing which should be a positive rating, deflected on my credit report ; however, it is not and as a result I am being discriminated, against when attempting to buy a home. I feel this is unjust, unfair treatment to receive especially when I am a XXXX XXXX. I am an essential personnel within the XXXX XXXX. I sacrifice my love for my job and have to rent an apartment in an urban community because of my student loan debt being reported as such.

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After carefully checking my credit report, I identified several unauthorized accounts that I believe were mistakenly added.

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 2024-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
Banco Popular Puerto Rico, part of Popular, Inc ( the " Company '' ) charged fees for alleged insufficient funds after a representative suggested to move balances from one account to another under my name as part of a preventive measure to avoid unauthorized transactions, transactions that were also reported to the bank since they were done to a debit card and the bank has not addressed as of today as required by the Federal Reserve.

I am requesting the agency to assume jurisdiction over this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-09-05 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: FL

Complaint narrative:
MOHELA randomly charges my bank account that dont go toward my principal for my loan. Theyve done this on two separate occasions where they take out money randomly and it doesnt go towards my debt repayment. On XX/XX/year> for two separate transactions of {$190.00} and {$190.00}. The second on XX/XX/year> for {$120.00} and {$120.00}. I have called customer service numerous times and they have claimed that they cant find those payments I just listed. Those payments are clearly on my XXXX statements and I can provide details if necessary.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: GFS II, LLC
State: GA

Complaint narrative:
*Buring the duration of the loan i was not sent remittance papers to remitt my bill. * Every month payments were made using FRNs which is not sufficent payment. It states that the Car was bought using CREDIT..Not cash!. No FRNs ( federal reserve notes ) were given nor received during the finalizing of the deal ( I WAS TO BE PAID A CHECK DURING THE DEAL AS WELL ), An Frn is not of equal of value to the car ( collateral ) NO MATTER THE AMOUNT APPLIED FOR.. therefore all payments made during the duration of the loan shall be sent back to the CREDITOR ( XXXX XXXX XXXX account. FRAUD HAS OCCURED. IT STATES IN BOLD LETTERS OF THE CONTRACT THAT THIS IS A " CONSUMER CREDIT SALE '' ..NOT USING MONEY BUT CREDIT! THEREFORE IT MAKES ME THE CREDITOR/BUYER OF THE VEHICLE AND THE BANK THE BORROWER.GATEWAY FINANCIAL SOLUTIONS IS CONDUCTING SECURITIES FRAUD AND HAS REPOSSED THE VEHICLE FOR NO REASON. THE CAR AND THE MONEY HAS TO BE REFUNDED AS WELL AS AMENDMENTS TO THE CONTRACT SHALL BE MADE. I STILL HAVE EQUITABLE INTEREST IN THE LOAN AS WELL AS THE VEHICLE. * I SIGNED THE CONTRACT! THEREFORE CHANGES CAN AND WILL BE MADE. * IT ALSO STATES IN THE DOCUMENTS THAT A CASH DOWN PAYMENT OCCURED WHICH IS ANOTHER LIE TOLD BY XXXX XXXX AND THE FINANCE DEPARTMENT. THAT IS AGAINST THE LAW FOR A CASH TRANSACTION TO HAPPEN DURING A CONSUMER CREDIT SALE. FRAUD HAS YET AGAIN BEEN ATTEMPTED. I TRADED MY XXXX XXXX FOR THE XXXX XXXX. NO CASH WAS INVOLVED!! REFUNDS SHOULD BE SENT TO MY ACCOUNT FOR ALL PAYMENTS MADE DURING THE LOAN DURATION. I WILL CITE ALL UCC FILINGS IN MY NEXT COMPLAINT! WITH ALL VIOLATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
First of all I have never owned a XXXX XXXX XXXX  nor have I shopped at About XXXX  I recieved the bill for {$190.00} in XXXX XXXX XXXXXXXX. I disputed the charge. I do not recall getting anything back from XXXXThen on XX/XX/XXXX I got a letter that the account had gone to collections from Midland Credit Management. I called and spoke a XXXX XXXX on XX/XX/XXXX. I sent him all the information I had. Last week I spoke to somebody who simply said the card was in your name you owe the money. I think XXXX mentioned if I had shopped at XXXX which i have. XXXX changed their credit card company either from XXXX or to XXXX. I think that during the change my information was compromised Again I have nevrer owned a XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: OH

Complaint narrative:
My home was broken into last night and my purse with my debit card, credit cards, checks, car key and drivers license was stolen. I called customer service and they were so helpful in filing disputes and closing cards and issuing new cards. After the police left I decided to call the XXXX XXXX ( XXXXXXXX XXXX ) and ask for them to place a teller alert on the account in case someone came through trying to do a withdrawal. XXXX advised I open a new account which was understandable but I dont currently have a drivers license or any way to get money currently. She said she would put the alert on the account. She then called back and advised she would be putting a debit block on my account. I advised her I do not consent to that as I have my mortgage coming out. I asked if it would be paid and she said no her manager told her she had to do it. I asked to speak with the District Manager and for their phone number which she declined. She advised she would have them call. I told her numerous times I do not consent to a block but she blocked it anyways per policy Weird that the fraud department advised I didnt need a new account and just placed stop payments.

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: OH

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 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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: FL

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.

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