vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 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: OH

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 
By obtaining my consumer report knowingly without any permissible purpose you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I have not initiated any transaction with these seven companies that I have listed below Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. Here are the companies listed. XXXX  Inquiry XXXX XXXX  XXXX Inquiry XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX  Inquiry XXXX, XXXX XXXX XXXX  XXXX XXXX. XXXX, XXXX XXXX XXXX  XXXX XXXX. XXXX, XXXX XXXX inquiry 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 2024-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
On XX/XX/XXXX and XXXX, XXXX  I sent a total of {$1700.00} to XXXX XXXX via XXXX through Navy Federal for an onboarding job for my brother. I have tried to get my money back through XXXX and the lady that was using her XXXX account apparently. I also informed Navy Federal of the situation a month after it happened when I was not able to get my money back due to the recipient stalling and coming up with excuses to eventually not answering or returning phone calls. 

Navy Federal the three times I called regarding this matter, refused to help and kept saying that I am XXXX and have to just deal with it because XXXX has a no dispute policy. I even brought up the XXXX fraud liability and Navy Federal claimed that it's not fraud because I sent it to them and it's considered cash. I asked how is it cash when it can obviously be traced? They didn't have an answer different from the no dispute policy. 

I recently saw where the CFPB is suing XXXX XXXX, XXXX XXXX, and XXXX for the same situation that these banks did with their consumers. I would like for Navy Federal to return my funds and if they do NOT, I will seek litigation. I also would like to order for the CFPB to add Navy Federal to the list of suits as well. There is no telling how many of the members have experienced the same thing I have experienced along with the consumers at the other banks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: NV

Complaint narrative:
I have tried to call the number on the card and on the internet. I am unable to get a live person at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: CA

Complaint narrative:
Unauthorized Hard Inquiries : XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX ( 2 Year Term Ended ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX of XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2024-12-30 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: CA

Complaint narrative:
Unauthorized Hard Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX ( 2 Year Term Ended ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2024-12-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CMG Financial Services, Inc.
State: TX

Complaint narrative:
I am a XXXX XXXX XXXX XXXX In Texas I am 100 % excluded from paying property taxes. My county appraiser sent the mortgage company notification I have a XXXX amount due for 2024 and for life. I also sent message asking why they were not adjusting my mortgage. An AI answered and said that it had to show XXXX dollars for taxes. In XXXX they showed I have a XXXX $ tax bill. Now they put it as XXXX XXXX  to show an amount. They have kept the {$8600.00} I have in escrow and continue to charge XXXX a month towards escrow. My insurance payment is {$520.00} a month. My mortgage should be {$2300.00} a month. They are continuing to charge me {$2900.00} a month and kept the overage. According to the answer i received it should have been adjusted in XXXX when they saw I don't pay any property taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have a debt collection from midland credit management who claims I have a credit card account with XXXX  XXXX with a balance of {$420.00}. They say this was opened XXXX of 2019. I was not of age to open this account nor was this account made under my discretion. I tried disputing several times and called midland but they stated they would not remove it unless documented due to me having no form of documentation stating this was under identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX XXXX XXXX XX/XX/year> **Customer Service Department** Jefferson Capital XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Dear Sir/Madam, Dispute of Account # XXXX I am writing to formally dispute an issue related to my account, # XXXX with your company. I have recently reviewed my account statement and noticed discrepancies that I believe require your urgent attention and resolution. 

I can attest that I did not open an account with sprint as I have been with XXXX XXXX XXXX for more than XXXX years. This account was opened fraudulently, and I request that it be removed immediately I kindly request that you investigate this matter and provide clarification regarding the charge. If necessary, I am happy to provide any supporting documentation or further details to assist in the resolution of this issue. Attached is the oldest and the newest account info. 

Please confirm receipt of this letter and inform me of the steps you will be taking to resolve this matter. I would appreciate your prompt response within 15 days as I would like this issue to be resolved swiftly. 



Thank you for your immediate attention to this matter. I look forward to your prompt response. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document, I am a victim of identity theft. I have multiple accounts and inquires that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity and have enclosed copies of the report, I would like these items deleted from my credit report 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 non-monetary relief
Consumer complaint received 2024-12-30 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: V and H Portfolio
State: AK

Complaint narrative:
I have no clue who this company is I have never done business with them ever in my life. 
I am requesting the validation of the debit. 
A debt validation letter is what I am requesting The name of the Creditor or Original creditor The documents I signed with my wet signature proving I owe the debit.

My 1099 C from the Creditor or Original Creditor. 
Who illegally sold the debit without my authorization or approval And anything with my wet signature authorizing a Debit transfer of ownership? 
And is the company even authorized to do business in my state ( Alaska ) as I don't see a business license on file for them in my State of Alaska?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: NC

Complaint narrative:
My information was leaked in the 2017 Equifax data breach. Those accounts involved in the data breach are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Department of Education

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
i called the company to see if they could help me remove report they told me the dont have my name or any of my information to assist me XXXX is the one who gave me the numbers to the companies and they told me that they should not have did that because they are the ones that would be able to remove inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
i called the company to see if they could help me remove report they told me the dont have my name or any of my information to assist me XXXX is the one who gave me the numbers to the companies and they told me that they should not have did that because they are the ones that would be able to remove inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-30 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: GA

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

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

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

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

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX, XXXX, and XXXX, XXXX, several banks ran hard inquiries to apply for credit cards or bank accounts that I never applied for. 

CAPITALONE XX/XX/XXXX XXXX, XXXX, and XXXX XXXX / XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This debt is considered a charge off, however this is actually considered income, because I should have received a 1099 C in order to account for this as income .This is not a charge off. I am requesting that this is removed., because it is not debt. This is considered income and income should not be reporting on 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 2024-12-30 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing in response to Truist Bank 's claim regarding complaint ID # XXXX. The bank stated that they sent their response directly to me, but to date, I have not received any such correspondence. I initially submitted this complaint via the CFPB platform and, therefore, respectfully request that Truist Bank provide their response directly through the CFPB portal to ensure a documented paper trail. This documentation will be essential if this matter escalates to legal proceedings. 

Since my last dispute, I have identified new inaccuracies on my credit report regarding the account ending in XXXX : The payment history associated with this account continues to be incorrect. In addition, the Date Last Active is reported inaccurately. The XXXX is a critical factor in determining the removal eligibility of this account from my credit report, and inconsistencies in this information are both misleading and alarming. 

These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), and as a consumer, I am entitled to pursue damages of {$1000.00} per violation. However, at this time, I am simply requesting the removal of the account ending in XXXX from my credit report to resolve this matter amicably.

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 2024-12-30 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: MS

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
Caine and Weiner has reported an open balance of {$1400.00} without prior contact or knowledge. I reached out to the agency and they would not provide me any information concerning the account. But continued to state that I must pay or they will take legal action. If you can not supply this documentation, please delete this alleged late payment ( s ) from my credit report. This institution is furnishing invalid information and is preventing me from being extended credit. This has violated my rights 15 U.S.C 1681 section 602 A. The FCRA allows 30 days for this to be rectified, please remove this account from my consumer report and please provide me with a free updated copy of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: MN

Complaint narrative:
Lexis Nexis is the company that collects a lot of personal information about consumers. My name is XXXX XXXX XXXX DOB XX/XX/XXXX ) and I need to know what information they collect about me, specifically about my driving habits and then either sell it or provide this information as a packaged product to the insurance companies or other data brokers. 
I need Lexis Nexis to disclose and itemize all information they collect about me. I also need this company from selling or otherwise furnishing any of my information to any credit agencies or any insurance companies including auto insurance companies or data brokers who in turn sell this data. I do not and have not authorized their collection of my data. 

My name is XXXX XXXX email XXXX tel XXXX address : XXXX XXXXXXXX XXXX XXXXXXXX XXXX MN XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
A hard inquiry was added to my credit report on XX/XX/2024 from Capital One bank, and on XX/XX/2024 I received a phone call from a bank agent asking me if I applied for a new credit card.

Company response to consumer: Closed with non-monetary relief