vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 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:
This letter is being sent in response to a consumer report recently obtained by the Claimant  from TransUnion, XXXX, and XXXX. Please be advised that XXXX XXXX is reporting damaging information, which has caused undue distress. 

It is my contention that XXXX XXXX lacks standing to report such information or to attempt collection on the alleged debt, as it is not the owner of the debt but merely acting as a servicer. As such, XXXX  XXXX qualifies as a debt collector and is therefore subject to the Fair Debt Collection Practices Act ( FDCPA ). 

Accordingly, be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666.

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 2024-12-18 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: FL

Complaint narrative:
This letter is being sent in response to a consumer report recently obtained by the Claimant from XXXX, Experian, and XXXX. Please be advised that XXXX XXXX is reporting damaging information, which has caused undue distress. 

It is my contention that XXXX XXXX lacks standing to report such information or to attempt collection on the alleged debt, as it is not the owner of the debt but merely acting as a servicer. As such, XXXX  XXXX qualifies as a debt collector and is therefore subject to the Fair Debt Collection Practices Act ( FDCPA ).

Accordingly, be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666.

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 2024-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
I have a Bank of America credit card. On XX/XX/year>, a purchase was posted to my card in the amount of XXXX by XXXX XXXX and XXXX. I notified Bank of America as to the fraudulent nature of this claim as soon as it was posted. They opened a claim on the charge and credited the account with a temporary credit on XX/XX/year>. I had not heard anything back until XX/XX/year>, when my claim was resolved as " denied. '' At that time, I have searched through documents and can not get hard evidence about the reason why the claim has been denied. 

Bank of America claims that it is for XXXX of these XXXX reasons : *chip was present, *pin was entered, or *signature was provided. 

The only evidence linked electronically is an electronic receipt provided by the company. It does not have a signature, and claims this charge was made by mail or phone. ( If the claim is made by mail or phone, then the chip and/or the card were not present ). Considering it does not contain a signature, none of these XXXX criteria can be true. 

Most importantly, when I called on XX/XX/year>, to get more information on the claim being denied, their paper work in the claim says to call " XXXX '' between the hours of XXXX. When I called at XXXX, the call was bounced into an automated system. After waiting on hold for a representative, I was told the only department that handles these items is NOT at that number, that I have to call " XXXX '' between the hours of XXXX. At this time, I am unable to get more information about the claim, what proof has been used in this decision, and the basis for this claim being denied.

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 monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc.
State: TX

Complaint narrative:
I discovered unauthorized bankruptcies on my consumer report that violate 15 U.S. Code 1681a ( 4 ), specifically regarding consumer privacy rights. As a victim of identity theft, these fraudulent entries represent a serious breach of my personal information, potentially rendering your organization criminally and civilly liable for improper disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Prior to my account being hacked I deposited a refund check, which was accepted. I later received partial available from said refund check. The check later cleared and then my account got hacked. I immediately contacted the bank because i got alerts of several activities. I let the bank know what was happened to which they told me that they saw transactions being made. Unsure of how my credentials was leaked to be hacked in the first place the ask me to file a dispute stating what occurred and provide evidence which i did. They still choose to let me know they will be closing my account. They never closed it stating that i had a negative balance out of nowhere, mind you they allowed me to get a courtesy XXXX dollars from my account. Im sure them telling me they can hold my funds indefinitely or tell me to call bank from which the check came from and tell them to stop payment. The bank said XXXX already has the funds so im not entirely sure what is going on. It has been XXXX months now and nobody can tell me a thing. No official letter stating the problem or how to resolve the issue was ever given.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for account listed without my expressed written consent.

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 2024-12-18 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: CAINE & WEINER COMPANY, INC.
State: MO

Complaint narrative:
Opportunity to Cure. I am invoicing Caine & Weiner for many violations and damages cause by them reporting negatively on my consumer report and trying to collect a debt from me when they had no rights to the debt. Caine & Weiner gave away my private information to many reporting agencies even when they didn't have rights to the debt to begin with. They have caused damage on my consumer report and financial hardship due to many denials I received due to the adding of the negative reporting 's of Caine & Weiner. Caine & Weiner did at least remove account once I made a complaint but I'm requesting the civil liabilities due to violating my federally protected consumer rights, violating the XXXX, and also causing damages and contributing to my financial hardship. I have proof of everything and I'm just asking for {$XXXX} to resolve this matter. If we can't come to fair civil liability resolution, then I fully intend on pursuing Arbitration or Litigation to resolve this issue, and I will present all the evidence I have against Caine & Weiner and will be asking for a larger amount by actually adding in every violation for months Caine & Weiner committed by giving out my private information they wasn't entitled to, to many reporting agencies. This is my XXXX time invoicing in reference to your company violating my consumer rights and causing damages and violating the XXXX. I have proof of everything and after this letter I'll send only XXXX more before filing against your company rather we have to Arbitrate or Litigate I'm fully prepared to pursue your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received a call from someone who said they were with Chase Bank XXXX department. He said his name was XXXX XXXX and he called at XXXX. I am in Florida. He had a thick accent that I could hardly understand. He had my last XXXX digits of my social security number and my name. He said someone tried to open a credit card in my name in XXXX. He wanted to transfer me to you to file a report. I did not give him any info and hung up. I am concerned that this was fraud. I do not have a XXXX card or bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2024-12-18 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: GA

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2024-12-18 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.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: AL

Complaint narrative:
I contacted XXXX XXXX to do an investigation of incorrect information on my credit report names and accounts and dates. I have been there are several accounts from XXXX and portfolio that have dates that are wrong. They have names from XXXX  years ago with no accounts in That name. XXXX has corrected all errors but transunion and experian refuse to even validate the dates are wrong from previous credit reports showing dates are clearly wrong and should be deleted. Thanks for you help.

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 2024-12-18 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: TX

Complaint narrative:
I am filing a complaint regarding the inaccurate and unlawful reporting of a XXXX  on my credit report by XXXX, Transunion XXXX XXXX. This entry violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681 ( c ) and 15 U.S.C. 1681 ( e ). Details of the Violation : 1. 15 U.S.C. 1681 ( c ) prohibits the reporting of obsolete information and establishes the timeframe in which certain negative items can appear on a consumers report. This XXXX  has been reported outside the permissible time limits.

2. 15 U.S.C. 1681 ( e ) mandates the accuracy and verification of information included in consumer reports. I obtained a letter from the court where the XXXX  was filed, explicitly stating that they do not report public records to credit bureaus. Therefore, the inclusion of this XXXX is both inaccurate and unverifiable.

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 2024-12-18 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: TX

Complaint narrative:
I am filing a complaint regarding the inaccurate and unlawful reporting of a XXXX  on my credit report by XXXX, XXXX XXXX Equifax. This entry violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681 ( c ) and 15 U.S.C. 1681 ( e ).

Details of the Violation : 1. 15 U.S.C. 1681 ( c ) prohibits the reporting of obsolete information and establishes the timeframe in which certain negative items can appear on a consumers report. This XXXX  has been reported outside the permissible time limits.

2. 15 U.S.C. 1681 ( e ) mandates the accuracy and verification of information included in consumer reports. I obtained a letter from the court where the XXXX was filed, explicitly stating that they do not report public records to credit bureaus. Therefore, the inclusion of this XXXX  is both inaccurate and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I've been trying to address this problem since XXXX, with checking account ending in XXXX. Capital One closed my account for fraudulent activity. Despite my best efforts to prove that not be the case, my account remained closed. I was told that my paycheck for {$XXXX} was mailed to my home address at the time. I never received it. After calling multiple times, and leaving messages on their fraud departments voicemail, I filed a complaint through the XXXX XXXX XXXX. Nothing ever came of that. Recently, there was a lawsuit involving the same issues I've been having with Capital One, but I learned of the lawsuit to late. Again, I reached out and asked for my {$XXXX}. I've yet to receive it, and when I finally get a representative, they state that the check has been mailed. All checks contain a check number. Can't they run the number and see that the check has never been cashed, and issue me a new check?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
My credit report contains unauthorized inquiries that were not approved by me. In line with 15 USC 16c-2, I ask for their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all these account is fraudulent accounts.

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