vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-24 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: FL

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 explanation
Consumer complaint received 2024-07-24 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: GA

Complaint narrative:
I was advised by a XXXX rep to fill out this report because of unauthorized inquires in my report, please remove all these Unauthorized inquiries on my report. 

Bank Name : XXXX XXXX Date of inquiry : XX/XX/XXXX Bank Name : XXXX XXXX Date of inquiry : XX/XX/XXXX Bank Name : XXXX Date of inquiry : XX/XX/XXXX Bank Name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Bank Name : XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: Self Financial Inc.
State: NC

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: IL

Complaint narrative:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I urgently urge you to promptly remove it without any further delay. I also request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report. Your prompt attention to this issue is deeply appreciated.

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 2024-07-24 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: IL

Complaint narrative:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I urgently urge you to promptly remove it without any further delay. I also request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report. Your prompt attention to this issue is deeply appreciated.

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 2024-07-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
On XX/XX/year> I recieved an email in my response to my complaint about my student loan forgiveness after XXXX years/XXXX  XXXX. The email instructed me to consolidate my loans by XX/XX/year> in order for all my loans to be forgiven. I filled out the consolidation the same day. On XX/XX/year> Mohela sent me a forgiveness letter stating that my loans were forgiven effective XX/XX/year>. My account was XXXX out, my my credit report was updated to {$0.00}, and an account history statement was sent to me showing the writeoff on XX/XX/year>. Mohela then changed my account to show I owe the full amount and sent me a billing statement. Now they are pretending as if they never sent the forgiveness but I have attached the evidence to this complaint. This is bringing down my credit score and negatively affecting my ability to get credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy Federal Credit Union has been involved in multiple deceptive practices, including but not limited to the violation of RESPA, TILA, FDCPA, SCRA, Extortion and more.

After refinancing my mortgage with Navy Federal Credit Union in XX/XX/year>, shortly after, they had transfered/sold the debt to a third party in XX/XX/year>. 
The sale is to be done in accordance with Florida statutory requirement of law F.S.A. 677.501, which has not happened. The acquiring of rights is to be done in accordance with Florida statutory requirement of law F.S.A. 673.2031, which has not happened, and true assignment of the debt is to be done in accordance with Florida statutory requirement of law F.S.A. 673.2031 has not happened. Until this day, I never received a notice about their transaction, which was required to happen within 30 days. 
Also XXXX XXXX, Guaranteed XXXX Pass-Through Securities and MX Securities XXXX XXXX XXXX XXXX XXXX, and Trustee : XXXX XXXX XXXX XXXX are not mentioned in the Deed of Trust. 
Navy Federal Credit Union has given up all its rights to XXXX XXXX in XX/XX/year>, but fail to record it within the Official Records of the XXXX XXXX XXXX XXXX XXXX & # XXXX ; XXXX XXXX, which makes it void under Uniform Electronic Transactions Act ( XXXX ) XXXX XXXX. 
The Note has not been indorsed by the Original Lender, Navy Federal Credit Union. 
This evidences that no negotiation under F.S.A. 677.501 concerning negotiable instruments has occurred. Clearly Navy Federal Credit Union has released none of its interest in the XXXX XXXX Note. 
The XXXX XXXX Mortgage is governed by Florida State Law. Florida State Law and Federal Law recognize and require proper recordation of assignment to transfer ownership of the XXXX XXXX Mortgage. 
Navy Federal Credit Union retained no beneficial interest in the XXXX XXXX XXXX XXXX ( the debt ) after selling the XXXX XXXX Intangible Obligation ( the debt ) to XXXX XXXX shortly after the XX/XX/year> signing. No assignments of the XXXX XXXX Mortgage to the XXXX XXXX Trust have been recorded into the Official Records of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX Office. There is no evidence of negotiations of the XXXX XXXX Note to the XXXX XXXX XXXX. With no properly recorded owner of the XXXX XXXX Mortgage, there is no one to enforce the conditions over the XXXX XXXX Intangible Obligation ( the debt ) which is no longer evidenced by the XXXX XXXX Note. The XXXX XXXX XXXX ( the debt ) is no longer secured by the XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX XX/XX/year> {$0.00} owed By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. 
Thank you for your time and help in this 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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I received a copy of my credit report and found the following item ( XXXX ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX XX/XX/year> {$0.00} owed By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under XXXX5 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. 
Thank you for your time and help in this 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 explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The personal information on my credit report is incorrect. I have included my documents so you can update it. Please correct and update my personal information as soon as possible.

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 2024-07-24 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this 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 2024-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
- on XX/XX/XXXX Logged into my account and noticed that there were a number of fraudulent charges placed on my card. Contacted the bank right away to report my debit card has been compromised. 

- Each transaction was done at " XXXX '' in different states even though in all the years i have used my account no charge has ever been done outside of NY state. 
- Bank credited back the fund XXXX in total while they investigated the fraud. 

- XX/XX/XXXX - bank reversed the credit stating these charges are not fraudulent because the debit card was present during the transactions. This is regardless of the fact that i explained i was out of the country, have never used my debit card anywhere outside of NY. 

Tried to contact the bank repeatedly after this to dispute their findings.

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 monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: MI

Complaint narrative:
I submitted a debt validation letter XX/XX/year> stating I never had a contract with this debt collector and requesting proof of debt owed to the original creditor and have not received anything back. I have tried numerous times to call and figure it out with a representative but they have been very unprofessional and rude each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: Experian Information Solutions 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 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 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 2024-07-24 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: OH

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the month of XX/XX/year>. Reporter had error within their own system of accepting the payment.

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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Nearly XXXX months ago, I sent a request to Experian a letter via Certified mail to remove inaccurate information on my credit report. I asked them to remove incorrect phone numbers and addresses on my credit report. 

I received a notification on their Experian app that the address and phone numbers in question were updated and correct. After checking my report today, Experian did not remove or update anything! 

I will include the letter copy that was sent to Experian over XXXX months ago! This is a violation because 1 ) I asked them in the letter to send me a copy of my credit report and they did not. 2 ) Experian ignored my request to correct my credit report. 3 ) I have incorrect information on my report that Experian refuses to do anything about!

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 2024-07-24 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 am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-07-24 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: MO

Complaint narrative:
I have sent several letters and filed several complaints a XXXX XXXX account 1 ) XXXX XXXXXXXX XXXX that Transunion is reporting inaccurately on my credit report. I requested several times that they do a reinvestigation and asked that the results are sent to me in the mail but they have not fixed the items that they are reporting inaccurately. I am attaching a copy of my letter as well as a copy of my drivers license, social security card and my utility bill for proof of residence and a copy of their results with the inaccuracies highlighted attached to this complaint.

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 2024-07-24 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: GA

Complaint narrative:
I put in disputes with XXXX, XXXX, and XXXX, and it was a problem with my address! I reside at XXXXXX/XX/XXXX XXXXXX/XX/XXXXXXXX, and XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX! heres my license and social security card! I would like these companies to continue with all my disputes and take all the negative items of 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 2024-07-24 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: MO

Complaint narrative:
Privacy and confidentiality under 15USC 1681. 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 Cash for Whatever Act 13791972 has violated my rights. 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 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 2024-07-24 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: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: CA

Complaint narrative:
I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights

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