vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion has not fixed any errors pertaining to the accuracy and correct reporting of the credit score. The credit score reflected a score of, XXXX as of XXXX XXXX, due to an inquiry being removed by, XXXX XXXX. As of XXXX XXXX the credit file reflected a XXXX point decrease with no significant changes to the results of such changes. As of XX/XX/XXXX transunion has not provided any further information to the change. Requesting an investigation and further Investigation into the status of the account reported by XXXX XXXX. After receiving the credit report dated XX/XX/XXXX the credit file indicates dates of delinquency both in XX/XX/XXXX and XX/XX/XXXX both months reflected 120 days past due. This is inaccurate reporting being furnished to the credit file and ask that this information be removed. The account is also being reported inaccurately by Transunion as this is a charge off account, for the purpose of this account it is acknowledged by all parties that the information being reported is accurate and confidential to the consumer privacy. A charge off is treated as profit and loss write off. This account is Income and for that purpose is to be filed on a federal income tax as income. Income is not to be reported to a credit file. This is a violation of the FCRA. For the Accuracy of the credit file I request transunion fix and remove all errors and accounts incorrectly being furnished and update the correct credit score.

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 2024-08-23 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: MS

Complaint narrative:
I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and 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 non-monetary relief
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
My account with Net Credit was shown charged off on my credit reports and was managed by 3rd Party ( XXXX ) in XXXX of XXXX. In XXXX, I reached out to them to try to settle the account that showed a balance and charged off, due to purchasing a home. I requested a 1099-C, but was told the account is in collections and the debt has not been charged off. I shared with them that the account was originally charged off in XXXX. Net Credit has violated my rights under the FCRA to accurately report items to my credit report. Currently, Net Credit is showing Collection/Charge off on this account with an open balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: SUNRISE CREDIT SERVICES, INC
State: VA

Complaint narrative:
I have disputed these with each of the companies and they haven't given me any updates on the situation, and this is affecting my credit score heavy.

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 2024-08-23 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: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Alabama Laws Dear Navy Federal, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Alabama Deceptive Trade Practices Act under Section 8-19-5, and identity fraud laws, specifically Alabama Code Title 13A, Section 13A-8-192. 

It has unequivocally come to my attention that ( company name ) has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Alabama state law, specifically Section 8-19-5 of the Alabama Deceptive Trade Practices Act, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Alabama Code Title 13A, Section 13A-8-192, establishes clear guidelines for the protection of personal information and the serious consequences of identity theft. 

I assert with unwavering certainty that I have not provided consent for ( company name ) to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that ( company name ) immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Section 8-19-5 of the Alabama Deceptive Trade Practices Act. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Alabama state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that ( company name ) will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE SENT AND REQUESTED THE removal OF fraudulent identity THEFT ACCOUNTS FOR THE LAST YEAR. EXPERIAN REFUSES TO DELETE AND INVESTIGATE INFORMATION. THEY WILL NOT ADHERE TO MY FTC identity THEFT REPORT OR MY POLICE REPORT THAT VALIDATES THAT I AM AN VICTIM OF IDENTITY THEFT. EXPERIAN IS NOT investigating DISPUTES, THEY JUST CONTINUE TO SEND SAME PAPER SAYING IT WAS DISPUTED. PLEASE INVESTIGATE WHY EXPERIAN REFUSES TO ADHERE TO THE GUIDELINES PUT IN PLACE FOR identity THEFT VICTIMS.

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 2024-08-23 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: IL

Complaint narrative:
I am writing to report unauthorized inquiries that have recently appeared on my credit report. These inquiries were not initiated or authorized by me, and I am concerned about potential identity theft or misuse of my personal information. 
The inquiries in question are as follows : XXXX XXXX  ( Finance ) - XX/XX/XXXX XXXX  ( Bank ) - XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) - XXXX XXXX, XXXX XXXX XXXX  ( Auto ) - XX/XX/XXXX XXXX XXXX XXXX  ( Finance XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Bank XXXX XXXX XX/XX/XXXX XXXX XXXX ( Bank ) - XX/XX/XXXX XXXX XXXX ( Bank ) - XX/XX/XXXX XXXX XXXX XXXX ( Bank )- XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XXXX XX/XX/XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX XXXX XXXX ( Auto ) - XX/XX/XXXX XXXX XXXX XXXX ( Auto ) - XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) - XXXX XXXX, XXXX XXXX XXXX ( Finance ) - XXXX XXXX, XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX I have not applied for credit or authorized any inquiries from these entities. I am requesting your assistance in investigating these inquiries and in taking the necessary steps to remove them from my credit report. 
Please advise on what additional information or documentation you may need from me to assist in this matter. I appreciate your prompt attention to this issue and look forward to your guidance on how to resolve it.

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 2024-08-23 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: VA

Complaint narrative:
I am writing to formally lodge a complaint against Equifax concerning their inaccurate reporting practices to the Consumer Reporting Agencies.

My complaint pertains to the following issues : 1. Inaccurate Reporting to Credit Bureaus : XXXX XXXX XXXX has reported a collection account on my credit report, but it does not appear on all three major credit bureaus ( XXXX, Equifax, and XXXX ). Specifically, the account in question is reported to only TWO of the three bureaus, leading to incomplete and inaccurate information on my credit reports.

2. Impact on Credit Score and Credit History : The lack of reporting to all three bureaus is negatively impacting my credit score and credit history. Accurate and complete reporting is crucial for maintaining a fair and accurate credit profile, and the omission of this information from one of the bureaus is causing undue harm. The reporting of these account ( s ) is/are violations of 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT 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. 

I have been disputing the following account and it keeps getting validated. 

XXXX XXXX XXXX  Account XXXX is in due fact reporting INACCURATE and XXXX has a DUTY to report only ACCURATE information. 

I have attached my mailing receipts/ Exhibits to this Complaint proving the inaccurate reporting. 

USPS CERTIFIED MAIL : XXXX XXXX XXXX XXXX XXXX XXXX USPS CERTIFIED MAIL : XXXX XXXX XXXX XXXX XXXX XXXX It is ILLEGAL to retain or report misleading or unproven information, especially considering a composed consumer complaint notifying you of said issues so please DELETE the aforementioned illegally expressed allegation ( s ) here and now. Do not confuse my credit file with people of similar name, address, or SSN. Verify all identifying information. ALL claims, undoubted or not, must be confirmed to be currently and fully true, CORRECT, COMPLETE, TIMELY, of my OWNERSHIP, of my RESPONSIBILITY, and or compliant to all applicable reporting laws and mandated standards, which is currently the FCBA, FCRA, FDCPA, XXXX XXXX COMPLIANCE STANDARDS, and others, letter laws and requisite reporting standards, you or any entity are in infringement of my rights. Should you continue to maintain and/or report any chicanery-based subterfuge even upon my declaration of a composed consumer complaint, therefore, eradicate immediately and in entirety any and all allegations which are not demonstrated in clarity to be veridical, correct, complete, timely, mine, my responsibility, or else wise fully compliant. 

XXXX : XXXX, Beneficiary Without Prejudice

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: VA

Complaint narrative:
I am writing to formally lodge a complaint against Equifax concerning their inaccurate reporting practices to the Consumer Reporting Agencies. 

My complaint pertains to the following issues : 1. Inaccurate Reporting to Credit Bureaus : XXXX XXXX XXXX has reported a collection account on my credit report, but it does not appear on all three major credit bureaus ( XXXX, Equifax, and XXXX ). Specifically, the account in question is reported to only TWO of the three bureaus, leading to incomplete and inaccurate information on my credit reports. 

2. Impact on Credit Score and Credit History : The lack of reporting to all three bureaus is negatively impacting my credit score and credit history. Accurate and complete reporting is crucial for maintaining a fair and accurate credit profile, and the omission of this information from one of the bureaus is causing undue harm. The reporting of these account ( s ) is/are violations of 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT 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. 

I have been disputing the following account and it keeps getting validated. 

XXXX XXXX XXXX Account XXXX is in due fact reporting INACCURATE and XXXX has a DUTY to report only ACCURATE information. 

I have attached my mailing receipts/ Exhibits to this Complaint proving the inaccurate reporting. 

USPS CERTIFIED MAIL : XXXX XXXX XXXX XXXX XXXX XXXX USPS CERTIFIED MAIL : XXXX XXXX XXXX XXXX XXXX XXXX It is ILLEGAL to retain or report misleading or unproven information, especially considering a composed consumer complaint notifying you of said issues so please DELETE the aforementioned illegally expressed allegation ( s ) here and now. Do not confuse my credit file with people of similar name, address, or SSN. Verify all identifying information. ALL claims, undoubted or not, must be confirmed to be currently and fully true, CORRECT, COMPLETE, TIMELY, of my OWNERSHIP, of my RESPONSIBILITY, and or compliant to all applicable reporting laws and mandated standards, which is currently the FCBA, FCRA, FDCPA, XXXX XXXX COMPLIANCE STANDARDS, and others, letter laws and requisite reporting standards, you or any entity are in infringement of my rights. Should you continue to maintain and/or report any chicanery-based subterfuge even upon my declaration of a composed consumer complaint, therefore, eradicate immediately and in entirety any and all allegations which are not demonstrated in clarity to be veridical, correct, complete, timely, mine, my responsibility, or else wise fully compliant. 

XXXX : XXXX, Beneficiary Without Prejudice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to disputed account on my credit report that were made withot my consent. According to section 604 of the FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ) THERE ARE SPECIFIC PERMISSIBLE PURPOSES FOR OBTAINING A CREDIT. I dis not uthorize these account and can not find any permissible purpose under this section that justifies their presence on my report, ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Every month I pay myself from XXXX XXXX XXXX XXXX  Account and Deposit in my personal account at Wells Fargo Bank every and every month Wells fargo puts a hold on my checks claiming insufficient funds when they have already were paid they take my money then put a hold on my check it seems like they want to use this money and float it some kind of way it's always held for a week and it's always big Deposits there is some kind of wrong doing Wells fargo Bank are crooks please look into 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 2024-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp.
State: GA

Complaint narrative:
On XX/XX/2024, I used Worldremit to transfer money in XXXX separate transactions ( XXXX and XXXX ) to a family members in XXXX for medical bill payment. I was informed by worldremit that they could not deliver the money due to technical difficulties with their system. I contacted Worldremit the next day asking for a refund. According to Worldremit, they cancelled XXXX of the transaction and claimed they requested cancellation of the second transaction. To date, I have not received any refunds for both transactions despite Worldremit telling me it will take 3 days for the refund to take place. My last contact with Worldremit was XX/XX/2024, and they just keep repeating the same thing they told me on XX/XX/2024. Contacting their customer service is a challenge and their chat account just keep telling you the same information over and over.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
I just recently checked my credit report and found a collection that does not belong to me. I contact the collection company to remove this account from my file, but they did not resolve my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NC

Complaint narrative:
Mohela - Unable to speak to representative, loan amount payment changed with no notice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My credit card accounts have all been closed with Capital one and settled. Balance is {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: AL

Complaint narrative:
I recently reviewed my consumer report and I notice an account was reporting inaccurately. I had a late payments on an account that I was in fact on time. The consumer reporting agencies need to report all information with complete accuracy. The account has not been late on payments. Ive attached a copy of a consumer report to this complaint in the following date XX/XX/year>. Im requesting you investigate and provide verifiable proof with records showing I have late payments. If this information can not be verified, i demand that these payments be updated to on time immediately. Thank you for your understanding and prompt action.

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 2024-08-23 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: MS

Complaint narrative:
I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and 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