vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-25 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:
After looking over my consumer report I seen a few inquiries that should t be on my consumer report under the laws congress set in place for me as a citizen of the United States of America first law 15 1681 2a they arent supposed to report transactions on my consumer report. 15 usc 1602 ( g ) I am the creditor i am the lender and not the borrower we the consumer are the creditors. 15 1602 ( p ) a consumer credit transaction took place you receive no benefit but someone got paid. 15 usc 6802 supposed to let me know or disclose that they wan na put something on my consumer report and supposed to give me a option to opt out and they didnt. 42 usc 408 asking for social security number on any credit transactions consumer transaction or loan is against the law because there is no lawful money this is a crime I have the right to privacy In Accordance with 15 1681 12 usc 1431 I can not be the debtor and Ive never been the borrower the banks are the borrowers these two companies violated 15 U.S.C. 1681 is part of the Fair Credit Reporting Act ( FCRA ), which regulates access to consumer credit report records and promotes the privacy, fairness, and accuracy of personal information gathered by Credit Reporting Agencies ( CRAs ). CRAs are entities that collect and sell financial and credit information about individuals. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX I havent received anything from these ppl I asked that they send me my wet ink signature on me signing anything with there persons. Banks have been committing fraud since XXXX  knowingly and willingly deceive you for their financial gain every loan agreement I sign is actually a payable instrument used to pay for the service/product. So its actually an exchange and not a loan in an exchange you are trading things of equal value including my social security number.

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 2024-08-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: SAN DIEGO COUNTY CREDIT UNION
State: CA

Complaint narrative:
Many years ago, I authorized the XXXX (? ) insurance company to initiate XXXX debits of {$90.00} from my savings account on XXXX, XXXX, XXXX and XXXX for XXXX XXXX XXXX insurance. 

I barely use this account and I forgot about these infrequent debits, so the XXXX debit on XX/XX/year> failed and I got charged an NSF fee. 

I then received an e-mail from XXXX XXXX XXXX that basically said - pay {$90.00} + {$3.00} manual billing fee by XX/XX/year>, or we'll cancel your insurance. 

I have never heard about XXXX XXXX XXXX and I chose to ACCEPT their offer/terms by NOT making a payment and stopping this insurance. Besides, in the age of scammers, it is dangerous to contact them and give them payment information. 

They initiated another debit of {$90.00} on XX/XX/year>, which failed and resulted in more NSF fees. And send me another e-mail that basically says " Oh, we changed our mind, if you pay {$93.00} you can have your coverage back ''. 

Let 's play XXXX 's advocate for a second. If the {$90.00} debit had gone through, would I know if I have insurance? Because their letter did say - pay {$93.00} via check or on our website by XX/XX/year> or we'll cancel you. And {$90.00} is less than {$93.00} and another {$90.00} for the next period would have been due. If I can't figure out what the {$90.00} debit is for, I could NOT have possibly authorized it, just like I didn't authorize a debit for an arbitrary other amount for uncertain purpose. Furthermore, the company who is initiating the debits is unfamiliar and NOT an insurance company and I never authorized THEM to issue debits. I can't be sure that my money is going to the right place and/or how to file an insurance claim. 

Apparently, they feel that they can issue arbitrary debits for arbitrary reasons, which feels like an extortionate threat. 

I allege that : - they failed to properly inform me of the change of insurer, contact information, practices, etc ; I never authorized anyone, but the original insurer, to initiate debits ; those are material changes and my contract should be voidable at my option all the way back to the original change- the XX/XX/year>, debit was unauthorized and contrary to their letter/offer- the single unauthorized debit constitutes attempted theft and wire fraud - the pattern of mail fraud by XXXX co-conspirators, who benefit from it : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX San Diego County Credit Union XXXX XXXX XXXX, who marketed me this insurance and benefits form NSF fees and kickbacks ) ; may constitute racketeering under federal XXXX statutes ( subject to treble damages over many years and many victims )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-25 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: PA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a loans, credit cards, and any other accounts from XXXX XXXXXXXX with a balance of {$1300.00}, XXXX XXXXXXXX with a balance of {$0.00}, XXXXXXXX XXXX XXXX XXXX  with a balance of {$200.00}, XXXX XXXX XXXX XXXXXXXX with a balance of {$860.00}, XXXX XXXX XXXX with a balance of {$9500.00}, XXXX XXXX XXXX XXXX with a balance of {$900.00}, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # [ Enter Complaint # from FTC report ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: WA

Complaint narrative:
I bought a XXXX XXXX XXXX in XXXX. I gave them {$4000.00} down. I have been paying on the car for 6 years and they saying I still owe over {$12000.00} on the car. I feel like i have been taken advantage of and I just don't know where to go for help. It just doesn't seem right. I have been making payments of {$460.00} a month for almost 6 years. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: Porania, LLC
State: MD

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

Company response to consumer: Untimely response
Consumer complaint received 2024-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Commencing on or about XX/XX/year>, I fell victim to a multi-layered scam operation run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Navy Federal Credit Union account to fraudulent investment firm ( s ). 

When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Navy Federal Credit Union did not take notice of COMPLAINT FOR DAMAGES AND OTHER RELIEF any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Navy Federal Credit Unions custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Navy Federal Credit Union promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Navy Federal Credit Union was in compliance with its own policies and procedures ; ( v ) whether Navy Federal Credit Union owed duties to myself, what the scope of those duties was, and whether Navy Federal Credit Union did not uphold those duties ; ( vi ) whether Navy Federal Credit Unions conduct was unfair ; and ( vii ) whether Navy Federal Credit Union has within its power the ability to, and should, compensate me for the harm that has befallen me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-25 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: Global Lending Services LLC
State: TX

Complaint narrative:
XX/XX/year> I have been trying to dispute wrong information on my credit report from Global Lending services for a long time company has not sent me any proof that this account belongs to me. And I do not recognize it. All this has brought problems to my life by not being able to use my credit in other places. 

Their is written down below Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
please refer to the previous CFPB file : XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern, Re : Demand for Immediate Access to My Credit Report - Violation of My Rights I am writing to demand immediate and unfettered access to my credit report through Equifax.com. As a consumer, I am legally entitled to view and obtain my credit report, and your persistent failure to provide me with this access is unacceptable, unprofessional, and a blatant violation of my rights under the Fair Credit Reporting Act ( FCRA ).

For the past [ insert time frame ], I have been unable to retrieve my credit report despite numerous attempts and repeated follow-ups with your support team. This ongoing delay and lack of response demonstrate a gross disregard for my legal rights and personal financial security. It is your responsibility to ensure consumers can access their reports quickly and efficiently, and you have failed in this basic duty.

I am formally demanding that you immediately rectify this issue and grant me full access to my credit report without further delay. Should you fail to comply with this demand within seven ( 7 ) days of receiving this letter, I will have no alternative but to escalate this matter, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and exploring legal action against Equifax for non-compliance and potential damages resulting from your obstruction.

This is not a request. It is a demand for immediate action. I expect a written confirmation of my access being restored or the credit report being provided without any further delay. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
This company banded my account because I was hacked and went through the credit breach they did nothing to fix the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: NY

Complaint narrative:
XX/XX/XXXX2024 TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Regarding Unauthorized Charge-Off [ TransUnion File Number : XXXX or Social Security Number : XXXX ] To Whom It May Concern, This letter is a formal demand to remove an erroneous charge-off from my TransUnion credit report, which violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Truth in Lending Act ( XXXX  ). 
Upon reviewing my credit report, I have identified the following charge-off, which is inaccurately reported : Creditor Name : [ XXXX XXXX  XXXX XXXX Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/XXXX ] Under 15 U.S.C. 1681e ( b ), credit reporting agencies are legally obligated to maintain accurate information on credit reports. The charge-off in question is not only inaccurate but also appears to be an erroneous entry for which I have received no valid notice or proof of accuracy from the creditor. As such, this charge-off is in violation of federal law and is causing significant harm to my creditworthiness. 
Furthermore, under XXXX, 15 U.S.C. 1601 et seq., creditors are required to provide clear, accurate disclosures of account activity, including any actions that would result in a charge-off. I have not received proper disclosure, nor did I receive any legitimate notice in accordance with XXXX  guidelines regarding this account. Therefore, I am formally disputing this charge-off and demanding that TransUnion take immediate corrective action by removing this erroneous entry from my credit report. 
If TransUnion does not remove this inaccurate charge-off within the time frame mandated by the FCRA, I will not hesitate to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). Additionally, I will seek legal remedies as outlined in 15 U.S.C. 1681n for willful noncompliance with the FCRA, including seeking compensation for damages caused by this inaccurate reporting.

I expect written confirmation of the removal of this charge-off from my credit report, as well as a copy of my updated credit report, within XXXX  days of receipt of this letter. 
TransUnion has an obligation under federal law to ensure that all information on my credit report is accurate, verifiable, and reported in compliance with both the FCRA and XXXX. I expect immediate action to rectify this violation of my rights.

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 2024-08-25 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: NY

Complaint narrative:
Human Trafficking debt bondage, which falls under trafficking according to XXXX XXXX XXXX XXXX XXXX ( b ) ( 4 ) - ( 5 ) 1002.142 ( b ) 7 ).

I have provided my photo ID along with the other required documents.

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable terms which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022. 142 ( b ) ( 6 )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: NY

Complaint narrative:
Human Trafficking debt bondage, which falls under trafficking according to XXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) 1002.142 ( b ) 7 ).

I have provided my photo ID along with the other required documents.

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable terms which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022. 142 ( b ) ( 6 )

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 2024-08-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA
State: MN

Complaint narrative:
All of my loans reappeared on my credit report. I should have a maximum of XXXX tradelines, XXXX reporting at a XXXX balance. I now have XXXX, with XXXX reporting at a XXXX balance. This made my current loan balances on my credit report go up by over $ XXXX In the attached image, you can see the XXXX new tradelines at the top marked as MOHELA/DEPT OF XXXX and the XXXX ones beneath it just marked as MOHELA This was only on this month 's cycle and it needs to be remediated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: SC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in 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 2024-08-25 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: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following inquiries from my credit report. Someone has used my personal information. I also have no knowledge of any suspects, please block.

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 2024-08-25 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: GA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( American exprees ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 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 2024-08-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with explanation