vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-21 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:
This is NOT a duplicate report and this is not filed by a Credit Repair Agency. In accordance with the Fair Credit Reporting Act XXXX, the following accounts below has violated my rights according to : 15 U.S.C. 1681 section 602 A. States I have a right to privacy 15 U.S.C. 1681 section 604 section 2, States a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, please provide the following : 1, The Original Contracts with my signature on it 2. Creditor information ( Name, Address and phone number of original merchant ) 3. The payment history and itemized billing associated with each account 4. Proof of Ownership ( Proof that the company trying to collect this debt has authorization to do so ) If you cant provide these four things for all of the above accounts then please delete these accounts immediately. Thanks

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 2024-08-21 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: FL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-08-21 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: NJ

Complaint narrative:
I mailed in a dispute letter for these unauthorized and unverified inquiries on my consumer report and my information was compromised by fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
For over a year now, Ive had a claim open to reclaim my stolen funds. Im unsure how the theif was able to steal my money, but they did. I believe it was somebody working for BOA that was in on it because I dont understand how someone can activate a card and steal from it without me giving any of my information out to anyone. BOA keeps denying my claim and when I ask for proof they keep sending me bank statements although Ive requested better proof than that, such as atm footage. They are not doing a thorough investigation and it is causing further financial hardship having to keep reopening this claim. This is my final attempt before I seek a lawyer to help me with this. 

Claim number : 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 2024-08-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I previously submitted a complaint on XX/XX/XXXX, which stated that my debt should have been canceled because the loans were private student loans that were issued in excess of the cost of attendance ; thus, these loans are automatically discharged in bankruptcy. You replied that you were aware that I filed for bankruptcy in XXXX and that you were aware that there was a discharge but that you were not notified that the debt was included in the discharge. However, you were notified by the fact that you were notified that there was a discharge ; and as such, all debt, including private student loans that were disbursed in excess of cost of attendance are automatically discharged. Why was the debt not canceled at that time, if all debt are automatically discharged?

Second, last year, you reached a settlement in the Youssef v. Navient class action lawsuit. My name was on the list of members in the lawsuit. However, my debt was not canceled. Please explain why my debt was not canceled if I was one of the members in this class action lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Net Pay Advance, Inc.
State: UT

Complaint narrative:
I have been receiving collection texts and calls regarding a debt they claim I have taken on the XXXX of XX/XX/year>. The date of this " transaction '' was provided via response to XXXX  complaint I have filed. They claim to have verified that the account they sent these funds went to a verified bank account of mine. I only have XXXX active bank account and I do not see a transaction from any company resembling the name of this company nor any company that does this type of business. I have tried working with them, but they want me to provide more information about myself, which to me is worrisome. I don't know anything about this company and do not know of their legitimacy. The address on the account is not my address. The emails they have sent are not coming to me, and they won't send the requested information to the email address I have provided in an effort to protect the privacy of the person who allegedly took the loan. It seems they do not want to assist me without me providing my personal information. I have formally disputed this debt with them and they are still aggressively collecting from me. I do not understand why they will not provide information to me without wanting all of my personal information. They are ignoring my dispute of this debt and refuse to assist in providing me information to provide to law enforcement. They will only send documents to the address and email on the account, which is not mine. They very obviously did not verify the debtor as being me before relinquishing funds to them. There should be a way I can work with them, without providing more personal information. They have an email address that I have provided to send me more information, but they are more interested in protecting the identity of a thief than helping me. They sent me a fraud affidavit allegedly, but the link was broken and any information they claim to have sent me, was not included in the email they sent, when they said it was attached to the email. I have been as transparent as I can be, but the more I deal with this, it seems like they are phishing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: TX

Complaint narrative:
This late payment doesnt reflect my consistent payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached 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 2024-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX ) Please contact XXXX to speak to their legal department on the above info with the first listed email. This individual is responsible for hacking several XXXX accounts and stealing multitudes of XXXX XXXX tickets into his personal account, then immediately reselling them via non-protected payment methods by offering to send tickets first. The stolen tickets eventually get revoked out of the buyers account. They have scammed several people out of thousands and thousands of dollars. I was advised by XXXX to open a police report with my local department because then you'll then be able to use this info to contact open police reports in the US. By calling XXXX, youll be able to speak to the legal team to obtain the open fraud case, address, cell number, and etc of the individual if police/investigator/etc I have an open police report for claims of {$24000.00} that he swindled me for with fraudulently stolen tickets that will be revoked from my XXXX account - I am out the money for the tickets and the tickets themselves. Devastating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-08-21 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:
I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts I do not recognize are continued here. 
XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX Balance : {$15000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
New notice of change in interested rate to XXXX XXXX for all charges, purchases, balance transfers, cash advances... 
also increase in returned payment fee to {$41.00} note that I dont recall ever making late payment on the card, opened in XXXX is this legal?

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 2024-08-21 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: NJ

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXXXXXX 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 TransUnion 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 REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!!

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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.

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 2024-08-21 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: NJ

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 XXXXXX/XX/XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!!

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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.

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 2024-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XXXX XXXX sold my loan to Chase it is set up with auto withdrawal from my bank account at XXXX email stating i have nothing to do to set up chase account get first statement from Chase stating I have a past due amount called Chase, ask for letter stating the past due amount was in their error they refused

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
to inform you that you have unlawfully reported an allegedly report. Under the New Rule REGULATION F which took XXXX 2021, You ( Columbia debt recovery ) You have violated id its new rule by parking this alleged debt on my consume Desist the reporting of this alleged Debt immediately or I v to taking legal action. I have not given you written permissi XXXX my credit profile 15 USC 1681b2. You have no permissibl tact third parties with my private or personal information. Yo Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. Yo /transferred, possessed, or used, without lawful authority, a n tion of me, which is a felony punishable with up to 2 years of ment, in addition to civil liability. I AM A LITIGIOUS CONSUME SITATE TO TAKE LEGAL ACTION AGAINST { Columbia debt recovery 92c ( c ) Ceasing communication If a consumer notifies a debt co that the consumer refuses to pay a debt or that the consumer wi llector to cease further communication with the consumer, the d or shall not communicate further with the consumer with respect refuse to pay this alleged debt. Cease and Desist all collections a XXXX this alleged debt and PROMPTLY Delete it from all consumer les that you have reported this inaccurate, incomplete, erroneous ding information to at once. The reporting of such inaccurate Information severe damage to my character, my reputation, my general n and my ability to obtain credit for personal and house purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: NEW YORK COMMUNITY BANCORP INC
State: NJ

Complaint narrative:
Good Morning, I opened a savings account with Flagstar Bank on XX/XX/XXXX because they advertised a 5.55 % APR on their website. They guaranteed the rate for the first 5 months of the account being opened. In the past couple months the rate has being lowered more and more. As of XX/XX/year>2024 when I log on to my account it shows me an APR of 5.220 %. I called them a few times during the months of XXXX and XXXX to request my statement in order to verify the APR to no avail. I can only view my statements for the month of XXXX and XXXX. They have not update the month of XXXX and it XX/XX/year>2024.

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 2024-08-21 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: AZ

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Sheffield Financial ( a division of Truist ), XXXX, ran my credit report and used a XXXX party vendor to verify my information ( phone number ). I was initially approved, but when I couldn't verify an old phone number, which I changed over a year ago, they denied me credit. I then proceeded to ask for the company they used so that I may correct the error or dispute it and they refused to provide me that, then I asked for my consumer report and credit they used and they also refused to give me that information then accused me of attempting to commit fraud against myself. A phone number is not an identifying feature of my personal information and they then refused to use my drivers license, check stub, bills, or any other method of verification outside of an old phone number. These people were downright rude and refused my rights to a credit/consumer report so that I may correct the error.

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 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached 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 explanation