vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-31 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 did not consent to, authorize, nor benefit from any of the following inquires I want them blocked & removed immediately. 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I've never been late on these accounts, the creditors made an error with my address and sent the statement to the wrong address. They acknowledge their mistake and promised me they would remove the negativity and update the status of the accounts to paid/never late.

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 2024-01-31 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute and request the immediate removal of fraudulent accounts from my credit report. I have reported these unauthorized accounts through identitytheft.gov, and the associated banks, unable to provide records, have confirmed the validity of the identity theft report and committed to their immediate removal. 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 2024-01-31 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:
Im begging you please remove this to the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: CT

Complaint narrative:
To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 

XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX  XXXX Balance : {$2100.00}

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 2024-01-31 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: EQUIFAX, INC.
State: CT

Complaint narrative:
To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 

XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$2100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Ive been buying cryptocurrencies online for years. In the recent year I decided to start XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I performed a KYC verification on a buyer, ID, and phone matched to buyer. I sold buyer over XXXX in cryptocurrency. I received, {$42000.00} in wire transfers from this cryptocurrency buyer. I verified with Navy Federal that Wire Transfers were completely " non reversible '' outside a court order. After 2 months of receiving wire transfers from the buyer. Navy federal limited access to my account. 

I spent days and multiple hours on the phone with navy federals security department, and was told they were closing my account, and sending back the {$42000.00} in wire transfers. The bank refused to provide any documentation from the sending back, Refused to cooperate with local law enforcement, refused to provide legal recourse. Basically told me I was out of luck. 

I provided documentation for the sale of the {$42000.00} in crypto currencies, the conversations with the buyer, the proof of KYC. Even asked the bank to reach out to the buyer at there registered phone number, that matches the bank account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX is furnishing deceptive information to XXXX XXXX Equifax. The account is reporting inaccurately and this information is damaging my consumer report and hindering me from getting credit. XXXX and Equifax does not have my written or expressed consent to report my private financial information XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I hope this letter reaches you well. I am writing to dispute and urgently request the removal of fraudulent accounts from my credit report. XXXX XXXX : XXXX and XXXX : XXXX The unauthorized accounts, reported through XXXX, have been acknowledged by the respective banks as invalid. However, the prompt removal is yet to be processed by your bureau.

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 2024-01-31 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 have received and reviewed a copy of my credit report and I noticed that there are some fraud accounts and unauthorized inquiries listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request.

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 2024-01-31 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: OH

Complaint narrative:
I have received and reviewed a copy of my credit report and I noticed that there are some fraud accounts and unauthorized inquiries listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN ALLIANCE BANCORPORATION
State: FL

Complaint narrative:
Alliance Association Bank handles the monthly payments for my XXXX XXXX XXXX XXXX XXXX XXXX Myself, and many other owners, are enrolled in auto-draft to have our monthly dues ( {$590.00} ) pulled out of our account on the dates and frequnecy we input. 

On XXXX, {$590.00} was mistakenly withdrawn from my bank account and many others in my XXXX. I have my auto-draft set to the first of each month. If every unit in my association was signed up for auto-draft, this would have the potential of being a {$150000.00} mistake ( XXXX units x $ XXXX fee. 

Alliance Association Bank acknowledged the mistake, but it took 3 full business days for the {$590.00} to be deposited back into my bank account. 

This is more than just a trivial mistake. This is an operational failure that had a significant impact in hundreds, if not thousands, of consumers. I am lucky to be able to handle this amount being taken away for 3 days, but imagine those who are not so fortunate. That is one reason I am filing this complaint. Somewhere at Alliance Association Bank that was a complete breakdown of controls to allow this to happen.

The group responsible for this mistake needs a very deep review by the audit and operational risk management functions at this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: PA

Complaint narrative:
None of the dates match and the account is not validated at all. XXXX put last reported XX/XX/24 & XX/XX/24 and thats not true and they cant update that because thats when I filed a dispute.

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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
None of the dates match and the account is not validated at all. XXXX put last reported XX/XX/24 & XX/XX/24 and thats not true and they cant update that because thats when I filed a dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 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: FL

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-31 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:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-31 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: PA

Complaint narrative:
This is my 3rd attempt to rectify this matter. I mailed out previous letters to the corporation and to the non affiliated credit reporting ( Transition, and XXXX ). This is last attempt to rectify this matter before I take this to arbitration and to small claims court. According to 15 USC 6802 no financial institution should disclose any non public information to a non affiliated 3rd party. In the disclosures the company never stated that they were going to release my personal in formation to the non affiliated 3rd party nor did they say that it will negatively impact my credit score. Pursuant to 15 USC 6802 b ( 1 ) ( b ) and ( c ) they were supposed to give information on how I can opt of sharing my non public information which they did not. When I reached out to the company I spoke to a XXXX and he laughed in my ear about my concern. I also reported this to the attorney general and I got a response saying according to their policy they do not give consumers opportunities to opt-out. Well I thought federal law subsidies policy any day. I also mailed a letter to the CRA and I git a generic response. We all know the CRAs and XXXX XXXX are not affiliated in any way or are they controlled by the same owners. Unless someone is paying for my non public to furnished.

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 2024-01-31 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: PA

Complaint narrative:
This is my 3rd attempt to rectify this matter. I mailed out previous letters to the corporation and to the non affiliated credit reporting XXXX XXXX and Experian ). This is last attempt to rectify this matter before I take this to arbitration and to small claims court. According to 15 USC 6802 no financial institution should disclose any non public information to a non affiliated 3rd party. In the disclosures the company never stated that they were going to release my personal in formation to the non affiliated 3rd party nor did they say that it will negatively impact my credit score. Pursuant to 15 USC 6802 b ( 1 ) ( b ) and ( c ) they were supposed to give information on how I can opt of sharing my non public information which they did not. When I reached out to the company I spoke to a XXXX and he laughed in my ear about my concern. I also reported this to the attorney general and I got a response saying according to their policy they do not give consumers opportunities to opt-out. Well I thought federal law subsidies policy any day. I also mailed a letter to the CRA and I git a generic response. We all know the CRAs and XXXX XXXX are not affiliated in any way or are they controlled by the same owners. Unless someone is paying for my non public to furnished.

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 2024-01-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mortgage Research Center, LLC
State: CT

Complaint narrative:
I have been attempting to resolve my delinquency for almost 2 years. I have received little to no assistance from the servicer in regards to getting information about the homeowners assistance fund. The servicer denied me for their mortgage assistance after telling me that I would be able to get assistance. They referred me to a state agency for assistance after denying me and then started foreclosure proceedings. While working with the state agency, i called the servicer on several occasions to get information was always given incorrect or inconsistent information. My servicer has paused foreclosure proceedings but still will not let me make payments, they continue to give me incorrect information and fail to communicate with the state agency that they recommended I work with. They even sent a message to the state agency that stated that do not participate in that program. After raising this concern to another representative in the loss mitigation department, I was told that they actually do participate. The agent promised to give me a call back on the next day so that we may have a conference call with the state agency, however she never called. When I called the servicer in order to reach that agent, I was told that they could not connect me to her and that the earliest that I would be able to speak with her would be in two weeks.This type of event has happened week after week of attempting to work with the servicer.This servicer has continuously failed to follow up and to provide the necessary information or assistance that I need in order to bring my loan current. This lack of attention and assistance is creating a greater financial burden for me as I am unable to make payments and continue to accrue interest on my my outstanding principal and delinquency amounts.

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 2024-01-31 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 strongly desire not to have this on my credit report. It is not belong to me. It is 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 2024-01-31 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: DISCOVER BANK
State: FL

Complaint narrative:
Discover Card allowed a charge in the amount of {$270.00} to go through on a card that was closed in XXXX due to unauthorized charges. The charge appeared in XXXX of XXXX and went undetected by me at that time because the Discover Card had a XXXX balance and was not being used. In the following months, Discover Card removed money ( {$70.00} ) without my permission from my personal checking account for payments on a balance that I did not know had been made on the card. Discover Card claimed that I had authorized autopayments in years prior, but they never had to use the autopayments because I " always paid before the due date. '' The unauthorized payments that were removed from my checking account were discovered because it negatively affected my checking account. In XXXX of XXXX, I contacted the origin of the charge, XXXX XXXX, and inquired about it. XXXX XXXX informed me that they did not charge the card and it was not valid. In fact, there was a different credit card on file for my XXXX XXXX account and my Discover Card had been removed in XXXX as the method of payment. I called Discover Card and informed that there is a charge in the amount of {$270.00} posted to the account that was not made by XXXX XXXX and not valid. Discover Car deemed it fraud and launched an investigation. They also opened a billing dispute and a credit was issued in the amount of {$270.00}. I informed that the had been taking automatic payments without my consent and they immediately issued a check in the amount {$70.00} for stolen, unauthorized " automatic payments. '' I called Discover Card a second time about their unauthorized, automatic payments had done to my checking account and they issued a second inconvenience payment in the amount of {$200.00}. The dispute was resolved in my favor in XXXX of XXXX, and I believed the matter had been settled. However, in XXXX of XXXX, I received a billing statement indicating that the XXXX XXXX  charge had been reversed and that I owe Discover Card {$270.00} because they had paid XXXX XXXX. Discover Card has been charging late fees, interest and other penalties to the account because they have not properly adjusted the account. I have called Discover Card multiple times trying to get this issue resolved to no avail. I have reached out to upper management just to have them call me names and insult my intelligence. Discover Card has been calling my home trying to collect on a debt that does not belong to me and is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: MD

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Federal Student Loans : Defaulted through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tradelines are still being reported on TransUnion and XXXX with adverse actions : 180 days late x 10 x 20 = hundreds of new adverse marks re-inserted. 

Per the contract attached with XXXX XXXX, this adverse information was to be entirely deleted per Department of Education. 

My XXXXXXXX XXXX  occurred on XX/XX/XXXX. I was not in default when the loans from XXXX XXXX were sent to XXXX for discharge. 

My credit has been defamed, and I demand that these tradelines be erased and am requesting compensatory damages. 

TransUnion and XXXX shall be instructed to remove the adverse tradelines per attached agreement with 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 non-monetary relief