vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-16 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX TransUnion Disputes Information Center To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : XXXX XXXX XXXX, NJ XXXX There should only be one address listed on my report, which is XXXX XXXX XXXX XXXX XXXX, PA XXXXI also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : XXXX XXXX XXXX XXXX XXXX There are more incorrect on you report, please remove from my credit report Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report.Thank you 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 2024-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Dispute XXXX was submitted for XXXX transaction on XX/XX/year>. PNC failed to issue provisional credit after investigation lasted longer than 10 days in violation of Regulation E, and in violation with my account terms. 

Bank should have issued provisional credit after 10 days of having their investigation opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: CA

Complaint narrative:
Experian report contains identify theft account, whuch must be removed immediately.

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 2024-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Best Service Co.,Inc
State: FL

Complaint narrative:
I contacted XXXX XXXX XXXX about a closed account. Requesting to apply XXXX to the account. I was informed they didn't have the account anymore and there wasn't anything they could do. They referred me to the Best Service Company who they said had the debt. 

XXXX XXXX XXXX ( XXXX XXXX ) offered a settlement to pay off a collection during tax season roughly around $ XXXX. I declined offer. I then called company back requesting to apply XXXX to the accoun on XX/XX/XXXX, XXXX. They replied they didn't know what it was but I could send necessary documents and to follow up at a later date.I emailed necessary documents on XX/XX/year>. I followed up in XXXX and was told the account was on hold and to check back again.I called XX/XX/XXXX, no answer and I called today XX/XX/XXXX and was told the account will remain on hold until I get out of the military. I asked why and the representative said that he didn't know any more information. I asked for a debt validation letter and he said they didn't have one because the debt is with the original company XXXX XXXX XXXX XXXX XXXX ). Which it is not.I asked if I'm in the military for the next 6-7 years what would happen with the account? His response was that it will just remain on hold until then. I asked to speak with his supervisor and was told there was no one else I could speak with.

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 2024-10-15 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: NJ

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2024-10-16 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: IL

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: FL

Complaint narrative:
XXXX XXXX, XXXX XXXX, DOB- XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A secured loan opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the the account number XXXX, A charge card opened at XXXX on XX/XX/XXXX under the account number XXXX, A secured loan opened at XXXX on XX/XX/XXXX under the account number XXXX, A charge card opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, A debt buyer opened at XXXX XXXX XXXX opened XXXX XX/XX/XXXX under the Account number XXXX, A debt buyer opened at XXXX XXXX XXXX on XX/XX/XXXX under the Account number XXXX, An installment opened at XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX under the Account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 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 # 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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
this company is XXXX loan that i just had it was reporting something very absurd to me 10 months ago

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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
this company is XXXX  loan that i just had it was reporting something very absurd to me 10 months ago

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Self Financial Inc.
State: FL

Complaint narrative:
this company is XXXX  loan that i just had it was reporting something very absurd to me 10 months ago

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: MI

Complaint narrative:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$350.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$570.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$560.00} XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1500.00} INQUIRIES : XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Danco Financial Services, LLC
State: FL

Complaint narrative:
I received a letter in the mail stating garnishment. I bought the car back in XXXX and it was repossessed in XXXX a day before I started a new job and i asked them for more time and they told me it was nothing they could do, and they sold it months after that, they still trying to garnish my wages for XXXX. I asked them how come I have to pay for a car that I no longer have after all of these year, and they couldn't explain it to me. They also took me to court in XXXX and they agreed that I would pay half of that amount and now they want me to pay the whole amount and garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX XXXX XX/XX/XXXX did a credit report without my consent and XXXX XXXX  did a credit check with my consent XX/XX/XXXX XXXX XXXX  did a credit report without my consent XX/XX/XXXX and SYNCB Amazon place ran a report without my consent XX/XX/XXXX I didn't give these companies consent to run my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 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: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX XX/XX/XXXX did a credit report without my consent and XXXX XXXX did a credit check with my consent XX/XX/XXXX XXXX XXXX  did a credit report without my consent XX/XX/XXXX and XXXX XXXX place ran a report without my consent XX/XX/XXXX I didn't give these companies consent to run my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I had a bank account with ALLY bank from XXXX, in that time I had used XXXX through their app, and it was tied with a token to my phone number and email. 
when I canceled my account in XXXX, the tokens that were attached to the XXXX  account were not released, and now i can not use XXXX  with my email and phone number. 

when contacting XXXX they assured me the only way to use my information was if ALLY bank remove the tokens, i called ALLY bank to remove the tokens, verified my identity multiple ways and ALLY bank confirmed that the tokens are still withheld within there system but that they CAN NOT remove them due to fraudulent activity reported on the account back in XXXX. 

so now a bank that i am not a customer of any longer has my information and tokens locked and will not give me information as to why, or as to how to resolve this issue.

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 2024-10-16 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: OH

Complaint narrative:
XXXX XXXX is reporting inaccurate to Experian, XXXX and XXXX. I have never been late on any payments. Date XX/XX/XXXX, amount {$550.00}. I tried contacting XXXX XXXX asking to have my account updated to paying as agreed on all three bureaus. I was advised that my request would be forwarded to the proper department to review and update. Nothing has been updated on any of my credit bureaus. XXXX XXXX, Experian, XXXX, and XXXX is violating my rights as a consumer under Section 15 USC 1681A.

There are about 30 inquires reporting on all three of my bureaus that I never authorized or gave consent to anyone at the reporting companies to run my credit. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Experian is reporting unauthorized inquires from XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX. 
XXXX is reporting unauthorized inquires from XXXX XXXX XXXX XX/XX/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 is reporting unauthorized inquires from XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: AL

Complaint narrative:
XXXX XXXX XXXX, Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Lexis Nexis credit reporting agency, block & DELETE ALL information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Public informations Section account opened XXXX  XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), a credit card account opened at XXXX Bank on XX/XX/XXXX under the account number ( XXXX ),. These accounts have resulted in ( 2 ) fraudulent collections appearing on my consumer FICO credit report.I do not recognize the aforementioned accounts, The aforementioned accounts, result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, are a result of identity theft and fraud. 

DEMAND FOR ACTION : Please remove this inaccurate information from my credit report, Please investigate and delete from my credit report.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Lexis Nexis credit reporting agency block all of the accounts, DELETE accounts identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( private email address ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I attended XXXX  XXXX XXXX of XXXX ( XXXX ) from XXXX, and left before finishing my XXXX. I was encouraged to, and did, take out as much loan money as possible : I had XXXX XXXX  children to provide for while I was attending XXXX XXXX XXXX made me sound like I was a superstar XXXX brain when they saw my LSAT score, and offered me a half-scholarship, which covered about $ XXXX of the annual tuition. The financial aid department was very eager to get me fixed up with as much loan money as was available. They knew my husband was a XXXX XXXX, and encouraged me to keep taking out the maximum each semester. It felt like XXXX money, because I was convinced I would have a great lawyer job when I graduated. Not only did I not graduate ( I had to move to Texas for a job ), but I left with more than {$200000.00} in student loans. That was far more than the five semensters I attended would have cost. At that time, I believe Navient was still Sallie Mae, and they were handing out money so easily, with promises of low interest rate paybacks. I am also in the XXXXXXXX XXXX XXXX XXXX, and XXXX is on the list, with the XXXX XXXX XXXX XXXX. ALL of my federal loans have been XXXX because of XXXXXXXX XXXX ( and the parent company, Infinilaw ) documented misconduct in its promises of XXXX XXXX success, and great jobs after graduation, and heavy marketing toward people who are at higher risk financially, and less likely to see the success promised, or to pay back the massive loans. Sallie Mae/Navient wanted to be a top tier lender with the for-profit schools owned by XXXX, so they made it very, very easy for XXXX students to get big financial aid -- much more than was necessary. There have been multiple suits by several states ' attorneys general alleging that Navient violated consumer protection laws by engaging in unfair and deceptive servicing and collection practices and, as Sallie Mae, originating predatory subprime private student loans. The fact that Navient, when I asked for an application -- just the application for discharge of the loans -- flat refused for vague reasons, indicates the company continues to be slippery and in denial about its responsibility for bad faith practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief