vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 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: DC

Complaint narrative:
This is a formal complaint that TransUnion is reporting inaccurate and incomplete credit information on my consumer report.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re investigated. 

XXXX XXXX Account # XXXX- This account is reporting incorrect Open Date, Incorrect high credit limit, Incorrect Last reporting date, Incorrect date last active, Incorrect date of last payment. 

XXXX XXXX Account # XXXX This Account is reporting incorrect Open Date, Incorrect Account Number, Incorrect Date Last Active. 

XXXX XXXX XXXX  Account # XXXX This Account is reporting incorrect Open Date, Incorrect date last active.

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.

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 2024-11-13 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am disputing the continued reporting of this charge-off account with a balance. The account was charged off as of XX/XX/year>, and under FCRA Section 605 ( b ), the creditor is required to cease reporting any balance on a charged-off account once it is considered written off as uncollectible. The continued reporting of this balance, especially after the charge-off status, is not only inaccurate but also harmful to my credit profile and violates the rights afforded to me under consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: IL

Complaint narrative:
I have requested on several occasions for proof of original contract to provide me documentation of proof of ownership which has never been provided this is a clear violation of my consumer rights under usc 1681 & 1666 I never received via ceritfied mail notice of the debt before it was ever placed on my consumer report the account from XXXX XXXX account # XXXX balance showing XXXX and closed on XXXX I demand that this information be immediately removed from all of my consumer reports this company has previous recorded violations for breaking the fcra consumer laws about proper notice

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 2024-11-13 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: IL

Complaint narrative:
I have requested on several occasions for proof of original contract to provide me documentation of proof of ownership which has never been provided this is a clear violation of my consumer rights under usc 1681 & 1666 I never received via ceritfied mail notice of the debt before it was ever placed on my consumer report the account from XXXX XXXX account # XXXX balance showing XXXX and closed on XXXX I demand that this information be immediately removed from all of my consumer reports this company has previous recorded violations for breaking the fcra consumer laws about proper notice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: IL

Complaint narrative:
I have requested on several occasions for proof of original contract to provide me documentation of proof of ownership which has never been provided this is a clear violation of my consumer rights under usc 1681 & 1666 I never received via ceritfied mail notice of the debt before it was ever placed on my consumer report the account from XXXX XXXX account # XXXX balance showing XXXX and closed on XXXX I demand that this information be immediately removed from all of my consumer reports this company has previous recorded violations for breaking the fcra consumer laws about proper notice

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 2024-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a letter through Mohela portal that my interest should be set to 0 % instead of 4.75 % because my loan is under processing forbearance pending IDR-SAVE application. However, I called Mohela 7th times and they kept saying that it is the responsibility of student aid to change my interest rate. I called student aid and they said Mohela should be the one to change my interest to 0 %. I am very frustrated because both parties did not take responsibility which indicated clearly on the letter I recevied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: COAST PROFESSIONAL, INC.
State: CA

Complaint narrative:
I filed for a tax return around two or three years ago I don't remember the actual date but I filed my tax return through XXXX XXXX XXXX. I didn't get a warning or info of what the Dept collection was. They just took half of my taxes without even letting me know why. At least they presented themselves as Coast Professional Inc and that they work for the IRS debt collection and that they took {$700.00} out of {$1400.00} it really affected me because I had plans and they just surprised me out off nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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 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 explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: LA

Complaint narrative:
After reviewing my credit report, I have discovered items that I do not recognize or applied for. Upon further investigation, I realized my personal information was exposed in serval data breaches as well. I have no recollection of applying for any of the accounts in question. Pre section 15 USC 1681 C-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days.

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
radius global solutions keeps calling me nonstop about my XXXX debt owed. sometimes they called multiple times in a day. I am very sick with many health issues as a XXXX veteran and there are days I cant answer my calls. they are harassing me with repeated calls 5 days a week

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 2024-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
Everytime i overdrafted using oops they would charge me all these extra fees. At one point of time i had {$180.00} worth of overdraft fees and they couldnt tell me where it came from

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: FL

Complaint narrative:
Reviewing my credit report, this account has inaccuracies in the months from XX/XX/XXXX to XX/XX/XXXX which do not reflect balance, scheduled payment, amount paid, amount overdue as they do in the other months. attach the report that affecting my credit, since those payments were made on time. I am within my rights to be provided with this proof since this affects my credit. otherwise this must be removed from my account. Account 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 non-monetary relief
Consumer complaint received 2024-11-13 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: GA

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward 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 explanation
Consumer complaint received 2024-11-13 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: FL

Complaint narrative:
I was shocked to see that inaccurate accounts suddenly appeared on my credit report tonight, with no clue as to why. Checking my report is routine for me, but this time, there were unexpected discrepancies. I even tried refreshing my browser, thinking it might be a glitch, but the errors didnt go away. Given this issue, Im requesting that the documents Ive provided be carefully reviewed so I can have peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward 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 explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Mercury Technologies, Inc.
State: WA

Complaint narrative:
On XX/XX/year>, I initiated a wire transfer of {$34000.00} from my XXXX XXXX account ( ending in XXXX ) to a Mercury Bank account ( Account Number : XXXX, Beneficiary : XXXX XXXX XXXX XXXX XXXX XXXX After completing the transfer, I discovered that the recipient company was involved in fraudulent activities. I immediately contacted XXXX customer support, who advised me to initiate a wire recall, which I promptly did. 

In response to the wire recall, Mercury halted the transfer to the beneficiary and began the process of returning the funds to my XXXX account. However, Mercury required a Hold Harmless Letter ( HHL ) from XXXX as a condition for releasing the funds. When XXXX became aware of this request, they froze my entire account, including my 401 ( k ), and initiated a fraud investigation against me. This investigation lasted over 30 days, during which I was locked out of my XXXX account containing approximately {$350000.00}. 

At the conclusion of the investigation, XXXX informed me that they suspected fraud on my part and decided to permanently close my account. They instructed me to transfer my remaining funds to another financial institution but refused to issue the HHL that Mercury needed to process the return of the {$34000.00}. As a result, the wire recall remains unresolved, with Mercury unwilling to release the funds directly to me, insisting on working through XXXX. 

At this point, I have no account with XXXX, and my money remains tied up with Mercury, which has refused to return the funds in any other way. I want Mercury to figure out a way to return my money back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: FL

Complaint narrative:
i received a email from the executive vice president of this company to update my late payments to current if i made 3 payments on time he will clear the past due history to help my credit and i have made the payments but still it hasnt updated to current on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I have reported navy federal credit union multiple times to the cfpb and XXXX and they have not responded to my requests. I recently called for them to help me settle my accounts with them for the loans and credit card. they approved me for debt management assistance, only to reverse the decision the next day. on top of that, they said my payments were reversed, all three, for the two loans and the credit card but that is impossible because the money never returned to my external checking or savings accounts. this company is very deceptive. I would like my money back from them and they are refusing to do so. I called my local congressmen today to discuss matters further.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 
All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; 1 2 3 4 5 6 Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems.

Company response to consumer: Closed with explanation