vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 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 am writing to formally notify you that I have been a victim of a data breach, resulting in the unauthorized use of my personal information. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the accounts and inquiries listed below. These accounts and inquiries are fraudulent, and I did not authorize them. 
XXXX Accounts : XXXXXXXX XXXX XXXX  XXXX Account ending in XXXX, opened XX/XX/XXXX, balance {$00.00}. 
XXXX : Account ending in XXXX, opened XX/XX/XXXX, balance {$3600.00}. 
XXXXXXXX XXXX XXXX  : Account ending in XXXX, opened XX/XX/XXXX, balance {$00.00}. 
XXXXXXXX XXXX : Account ending in XXXX, opened XX/XX/XXXX, balance {$1600.00}. 
XXXX XXXX : Account ending in XXXX, opened XX/XX/XXXX, balance {$100.00}. 
Fraudulent Inquiries : XXXX XXXX XXXX dated XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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 am writing to formally notify you that I have been a victim of a data breach, resulting in the unauthorized use of my personal information. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the accounts and inquiries listed below. These accounts and inquiries are fraudulent, and I did not authorize them. 
XXXX Accounts : XXXX XXXX XXXX XXXX Account ending in XXXX, opened XX/XX/XXXX, balance {$00.00}. 
XXXX : Account ending in XXXX, opened XX/XX/XXXX, balance {$3600.00}. 
XXXXXXXX XXXX XXXX : Account ending in XXXX, opened XX/XX/XXXX, balance {$00.00}. 
XXXXXXXX XXXX : Account ending in XXXX, opened XX/XX/XXXX, balance {$1600.00}. 
XXXX XXXX : Account ending in XXXX, opened XX/XX/XXXX, balance {$100.00}. 
Fraudulent Inquiries : XXXX  : XXXX dated XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: TX

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from my credit 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 2024-12-18 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: TX

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from my credit 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 explanation
Consumer complaint received 2024-12-18 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: NY

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.

These accounts and Inquiries have 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 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 2024-12-18 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: NY

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.

These accounts and Inquiries have 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 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 2024-12-18 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: NJ

Complaint narrative:
Subject : Request to Block and Delete Fraudulent Account Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to formally request the blocking and deletion of a fraudulent account from my credit report. As a victim of a data breach, my personal information has been used without my authorization. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I ask that the following account be immediately blocked and removed : Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-18 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:
I am a victim of identity theft, and I recently discovered an account on my credit report that does not belong to me. I request that this account be investigated and removed, as I should not be held responsible for fraudulent activity. account name XXXX XXXX XXXX XXXX  account number XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I have filed multiple reports of my identity being stolen, and on top of everything this, my information was leaked in a data breach that had nothing to do with me. Ive turned in police reports and proof of addresses where I lived but the identity thief had had used a different address.

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 2024-12-18 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: GA

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

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

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 2024-12-18 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: Nationwide Capital Services, LLC
State: TX

Complaint narrative:
Dear Structured Settlement, This letter is to dispute the reporting of Account # XXXX for XXXX XXXX. In CFPB Complaint # XXXX, I stated that the original creditor, XXXX XXXX XXXX XXXX to verify the alleged debt as required by law. XXXX has since confirmed that the balance on record differs from what you report and that they have notified credit bureaus to remove the trade line due to inaccuracies. 

Furthermore, a payment plan was initiated with XXXX, and I was unaware that the debt had been sold. Nationwide Capital Services, operating under Structured Settlement, is not registered to conduct business in Texas and has forfeited its right to operate, as shown in the attached documentation. 

Your response that you " noted the dispute and updated your system '' is insufficient. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am demanding the immediate removal of this account from my credit report. Failure to comply within 30 days will result in further action with regulatory agencies and legal counsel.

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 2024-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Dear CFPB, I am filing this formal complaint against Navy Federal Credit Union for improperly handling my chargeback dispute, specifically under XXXX Reason Code 13.1 Services Not Provided. Despite providing all required evidence, Navy Federal has repeatedly failed to process my claim in accordance with XXXX established guidelines for chargebacks.

Overview of the Dispute 1. Transaction Details : Merchant : XXXX XXXX XXXX XXXX Amount : {$1000.00} Processor : XXXX XXXX on behalf of XXXX XXXX XXXX XXXX : XX/XX/2024 Posting Date : XX/XX/2024 XXXX. Nature of Dispute : The dispute falls under XXXX Reason Code XXXX Services Not Provided. XXXX XXXX XXXX XXXX failed to provide any contracted services for the agreed-upon dates ( XXXX XXXX XXXX ). The contract explicitly states : Clause 8.2 In case of non-attendance, cancellation, or total non-compliance of the services, the contractor must compensate the client with 20 % of the contracted value, in addition to a full refund of any payments already made by the client. 

After acknowledging their failure, the merchant ceased communication and blocked me, leaving me without recourse. 

XXXX. Evidence Submitted : I provided Navy Federal with : A translated portion of the contract showing refund terms. 

Payment receipts. 

Written communications confirming the merchants failure and refusal to comply. 

Violations by Navy Federal 1. Failure to Process Dispute Properly : Navy Federal improperly closed my dispute, claiming it was out of time, despite Visas policy allowing disputes for future-dated services to be filed up to 540 days from the date of service under Reason Code 13.1.

2. Improper Resolution Process : Navy Federal instructed me to pursue the merchant in U.S. small claims court, which is an impractical and inappropriate recommendation for an international dispute.

Formal Request for Action I request the CFPB to investigate Navy Federal Credit Union for failing to process my dispute in accordance with Visas guidelines and denying me consumer protection rights under federal regulations.

Supporting Documentation I can send you upon request : 1. A translated portion of the contract showing refund terms.

2. Payment receipts.

3. Communications with the merchant demonstrating their breach of contract and subsequent refusal to engage.

4. Correspondence with Navy Federal regarding their mishandling of this case.

This situation has caused significant financial and emotional distress. I urge the CFPB to hold Navy Federal accountable for its failure to uphold consumer protection standards. 

Sincerely, XXXX XXXX XXXX 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 2024-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: VT

Complaint narrative:
I have been contacted by a member of Sofi Bank security team regarding security concerns on my account and this individual claimed to be Sofi they were also calling from the same SoFi support number. They asked me to change my password and after getting off the phone with them my account had a new device log in and the password changed and a new phone number attached to my Sofi account ( Not my number ) I trusted this was Sofi security and turned out to be a scam and not long after my entire account was drained {$1700.00} stolen on XX/XX/XXXX. This was the most recent fraudulent transaction there had been multiple attempts to stealing money from my account in the past and all of those disputes were settled, in this case dispute SoFi was unable to provide a credit for my claim. Id like to make this known that there are scammers posing as SoFi security using the same number gaining access to Sofi money accounts and stealing their money. I am struggling to even have money for food and the bank that failed to recognize this security concern eastport on is denying me MY money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: GA

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account 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 non-monetary relief
Consumer complaint received 2024-12-18 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: GA

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account 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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these errors.

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 2024-12-18 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: CITIBANK, N.A.
State: NV

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.

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 2024-12-18 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: TX

Complaint narrative:
Law : 15 u.s.c 1681s Responsibility of furnishing information Transunion has reported without verifying legal documentation on how they prove the information being reported is accurate.

I have sent over several 1099c request forms to the original creditor with no response. This account is a XXXX XXXX XXXX paid in full account and has been since XX/XX/XXXX! Its now reporting back on my Credit as a Repossession as up XX/XX/XXXX which is false information. Charge off balance over {$600.00} supposed to be zero balance once account has been written off. XXXX and Transunion fail to comply with proper protocol. It also shows the payment was only 30days late 1 time but continuously reporting repossession every month. This doesnt make sense! 

XXXX is reporting the correct information which is uploading down below with my documents.

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 2024-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I have never received communications from this company or ever talked to them and this is the second time they are suing me, which I found out both times by getting a legal advisement letter from lawyers about court filings and advertising their services. I also know I never provided them with any contact information or an address. They called me from XXXX ( XXXX ) XXXX, a XXXX VA number

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MOHELA
State: CA

Complaint narrative:
For 20 years, I have been accused, harassed, and threatened from XXXX in regards to a Student Loan dated XX/XX/year>. I have attached my Student Loan account from XXXX XXXX XXXX. There is NO RECORD of any Student Loans on File - there are no DISBUSEMENT 's of any Student Loan Funds recorded on File - PLEASE SEE ATTCHED DOCUMENT from XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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 identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX  XXXX Balance : {$740.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX 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 2024-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
PROBLEM WITH OPENING A BANK ACCOUNT DUE TO EARLYWARNING REPORTING ACCOUNT THAT WAS NOT AUTHORIZED BEING OPENED BY MYSELF.

Company response to consumer: Closed with explanation