vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-14 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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
Consumer complaint received 2024-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: NY

Complaint narrative:
XX/XX/XXXX : Incorrectly assigned to XXXX apartments by XXXX as the occupant. Sent charges for both apartments even though the other apartment was empty/occupied by someone else. 
XX/XX/XXXX : Stopped being charged for the second apartment. The entire time, my correct apartment was current in all payments XX/XX/XXXX : XXXX XXXX sends my account to collections, Harvard Collections Services/ Harvard Collections reaches out to me asking me to pay this debt of {$940.00} XX/XX/XXXX : I call XXXX  XXXX to ensure they clear up the issue, they create a ticket internally and say they will rectify XX/XX/XXXX : Harvard Collections leaves a derogatory mark on my credit report XX/XX/XXXX : XXXX sends me confirmation showing I have no debt on the account, but does not tell the collections agency XX/XX/XXXX : I call the collections agency, they refuse to remove the debt and say XXXX  XXXX has not shared any information with them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: FL

Complaint narrative:
Dispute Department : NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the FCRA regarding your refusal to delete UNVERIFIED information from my consumer life.

IN tent to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Sections 617 if the UNVERIFIED item listed below is note deleted immediately.

A copy of this letter as well as the previous letters that I have sent you will be part of the file that will be submitted to the FTC and used as evidence of your negligence to perform the duties outlined by the FCRA.

If you claim that this account is verified, who verified this account? You did not provide me with a copy or any documentation to serve as verification of this account.

The law is very clear as t the Civil Liability and the remedy available to me ( section 616 an d617 ) if you fail to comply with the FCRA. I need you to comply with the law and provide me with the documentation used to verify this account, or delete it from my credit report. 
The accounts is XXXX  XXXX XXXX XXXX. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
I expect you to delete this negative account and provided me with an updated report within 30 days in accordance to the FCRA.

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 2024-12-14 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: LA

Complaint narrative:
Unauthorized Access of my credit, unauthorized inquiries not from myself

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Unauthorized Access of my credit, unauthorized inquiries not from myself

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 2024-12-14 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: GA

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. 

XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 non-monetary relief
Consumer complaint received 2024-12-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
My Information was sold to a third party without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Attention : XXXX XXXX XXXX XXXX  CC : Navy Federal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX CC : Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX VA XXXX CC : Navy Federal Headquarters XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX CC XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX XXXX XXXX Construction of Uniform Commercial Code to Promote its Purposes and Policies : Applicability of Supplemental Principles of Law. 

The Uniform Commercial Code must be liberally construed and applied to promote its underlying purposes and policies, which are : ( 1 ) to simplify, clarify, and modernize the law governing commercial transactions ; ( 2 ) to permit the continued expansion of commercial practices through custom, usage, and agreement of the parties; and ( 3 ) to make uniform the law among the various jurisdictions. 

( b ) Unless displaced by the particular provisions of the Uniform Commercial Code, the principles of law and equity, including the law merchant and the law relative to capacity to contract, principal and agent, estoppel, fraud, misrepresentation, duress, coercion, mistake, bankruptcy, and other validating or invalidating cause supplement its provisions. 


XXXX XXXX is writing to formally address several matters in connection with the account held at Navy Federal Credit Union, Account number [ XXXX ], and the recent settlement entered into by your institution with the Consumer Financial Protection Bureau ( CFPB ). This letter serves as a request for specific fiduciary duties and remedies under both the terms of the CFPB settlement and applicable banking laws governing the fair and equitable treatment of the principal. Request for Full Account Documentation and Statements : Per ( GAAP ) and the right to an Asset Representations Review, we request that Navy Federal Credit Union provide a complete and detailed copy of the Investor file, including all transaction history, account statements, and any communications regarding fees or charges applied to the account during the period from [ XXXX to XXXX ]. 

Refer to the attached exhibits for further correspondence concerning this security account. Notice is hereby given that the Postmaster, through USPS, will be involved in the matter subsequent to this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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:
Experian, XXXX, XXXX has assumed a vital role. on XX/XX/XXXX I submitted complaint here on the CFPB portal about your Company Reporting Negative on my consumer Report. You responded on XX/XX/XXXX 6 days after stating that my report was updated which prove you never investigated it nor did you actually updated my Report to reflect all accounts Positive. I Clearly stated that I did not give you consent to report and you are in Violation of the FCRA. 

Per the FCRA As a federally protected consumer I am now Opting out of any and all authorization I the consumer may have giving you and your 3rd party affiliates written, unwritten, verbal or non verbal. Experian, XXXX, XXXX you are the Furnisher of information, you compile and sell Reports, While selling those reports you are in Violation of 15 USC 6802 as you are disclosing my Non Personal information to those Non affiliates, which puts me at risk of Identity Theft. 

Experian, XXXX, XXXX you are also reporting Transactions and Experiences ( late payments ) not only are you reporting them but you are reporting accounts that has been paid as agreed. Per 15 USC 1681a Transaction and Experiences are excluded on a consumers Credit Report. I did not give you consent remove at the reciept of the complaint. 

Per The Privacy act of 1974 I have a Right to Privacy and I Enforce these rights for the following Reporting accounts. 

Dispute1 : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$4500.00} I filed a 1099C to the IRS that discharged this balance to reflect {$0.00} Dispute1 : XXXX XXXX XXXX XXXX Credit Card Balance {$5300.00} I filed a 1099C to the IRS that discharged this balance to reflect {$0.00} Collections XXXX XXXX XXXX Balance {$580.00} XXXX XXXX XXXX Balance {$760.00} Merchants XXXX Balance {$780.00} I did not give consent to report collections on my report Remove ASAP.

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 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to request the removal of unauthorized inquiries from my credit report, as permitted under Section 609 of the Fair Credit Reporting Act. I believe these inquiries are inaccurate and were not authorized by me.Please Block and remove all information resulting from Identity theft pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) which states that these accounts must be removed within 4 business days of receipt. XXXX XXXX XXXX XXXX violated my consumer reports on XX/XX/year> & XX/XX/year> without a permissible purpose as per 15 U.S.C. 1681b ( 2 ) or knowingly without a legitimate business reason pursuant 15 U.S.C. 1681 b ( a ) 3 ( f )

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 2024-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On my XXXX credit report I have 3 deregatory, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX This error should be delete in my credit report. Delete immediately.

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 2024-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XX/XX/XXXX : I reviewed my credit card for CareCredit on XXXX XXXX. It stated the account was closed on XX/XX/XXXX. I was never provided a consumer rights that this would be closed due to inactivity. I reviewed the credit card disclosure for CareCredit through Synchrony Bank. There was no information regarding this in the card services disclosure. 

XX/XX/XXXX : I called the Synchrony Contact Center where they stated that they close it without consumer knowledge, spoke with XXXX. I advised, so where is it provided to the consumer to review this policy? He could not provide it and would not go in to more explanation regarding it. He just restated this is what Synchrony Bank does is closes it out with 12 months of inactivity. 

This has negatively impacted my credit at this point and was one of my oldest accounts. My husband has a major medical procedure in XX/XX/XXXX. We were going to use this card for it.

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 2024-12-14 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:
Hello, My name is XXXX XXXX, Consumer, who currently reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is in XXXX XXXX XXXX . I am writing this complaint because XXXX XXXX XXXX, Transunion, LLC, XXXX XXXX, any of the above-mentioned corporations ' executives, directors, assignees, Officers, affiliates, or nonaffiliated third-parties, have violated many Consumer Protection and Racketeering and Privacy Laws. XXXX XXXX XXXX is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX, Consumer, severe financial distress, causing him to be unable to extend credit. This accounts need to deleted, and permanently removed from the Transunion and XXXX credit file of XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2024-12-14 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: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries 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 XXXXXX/XX/XXXX appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Experian I finally reached XXXX credit score It dropped XXXX points for no reason and I can get no explanation other than an AI conversation with experience. I've worked very very hard to get a good score and check it daily. 
I want experience to return me to an XXXX Plus Thank you XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
The PNC ATM at the XXXXXXXX XXXX at XXXX XXXX XXXX in XXXX Florida stole XXXX from me. I made three requests at the atm for cash for {$400.00}, {$400.00} again and finally for {$80.00}. It was the second transaction for {$400.00} that was declined. It declined the transaction, and provided no receipt or cash. I filed a claim with my bank, XXXX XXXX, but they declined it because they say there is no credit showing from PNC Bank. Theyre not responding to my bank by giving me back my hard earned money. They have done this to me at the worst possible time. I live paycheck to paycheck providing for my family and its XXXX right around the corner. I dont know what Im going to do. I have appealed with my bank with deadline end of business of XX/XX/year>. I provided pictures of the ATM reported as out of order two days later and I can also provide them to you. 

Please, someone needs to do something.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-14 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: TX

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

Company response to consumer: Closed with explanation