vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-19 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: GA

Complaint narrative:
This account does not belong to me, and I did not authorize its creation. Kindly remove this erroneous account from my records 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 non-monetary relief
Consumer complaint received 2024-02-19 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: AK

Complaint narrative:
This is not a verification dispute. XXXX/GLELSI Account # XXXX is old and is reporting 14 years on my credit report. 

XXXX/GLELSI is reporting accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My student loans are my business. My student loans are my private information. XXXX have report my private information without my consent. XXXX/GLELSI actions have amount to aggravated identity theft 18 USC 1028a . As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. USDOE/XXXX  have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. USDOE/XXXX  has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. 

Delete old USDOE/XXXX  Account 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 2024-02-19 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: LEXISNEXIS
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may
make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
The interest rates are so expensive that you cant even afford to pay the bare minimum because these interest rates are off the charts and these credit reports are the ones that are offering these credit cards and theyre using duplicate foundations from XXXX and other ones that are allowing these credit cards to be used And there should be some kind of restrictions on the amount of credit that they offer you knowing that your capped out already

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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:
Agreement Number : XXXX Per FCRA as a federally protected consumer I am now opting out any and all authorization, that I the consumer may have given you written, unwritten, verbal and non-verbal per 15USC 6802.

Furthermore, review attached documents

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 2024-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
I am writing to file a complaint against Crypto.com regarding the inability to access my account. Crypto.com blocked my account for no reason, Despite numerous attempts to contact them, I have received no response. This situation raises concerns about potential scam and fraud activities associated with Crypto.com. 

My name is XXXX XXXX, Heres my email with with crypto.com ( XXXX ) and I am available to provide any necessary information to assist with your investigation. 
Your prompt attention to this matter is greatly appreciated. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned about : XXXX XXXX XXXX XXXX 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 2024-02-19 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Synchrony financial inquiry : XX/XX/XXXX XXXX XXXX inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX XXXX XXXX inquiry : XX/XX/XXXX Has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

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 2024-02-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I paid my debt of months ago and asked for the account to be closed. 
# 1 I never received a card in the 1st place but that is fine I used it in the store.

# 2 The company apparently didn't close acct.

# 3 the company said they closed acct but they charged me interest and fees then because I didn't pay it more fees are tacked on.

# 4 I asked for it to be reviewed she said no matter what they will still and always charge me fees. I said you can't do that. She said you can never close this line of credit and will always have fees. I asked you mean for the rest of my life I will incur fees and interest? She said yes and I hung up. 
The name is XXXX XXXX and XXXX XXXX XXXX acct number ends in XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I have one company attempting to foreclose on my home ( XXXX XXXX XXXX XXXX D/B/A XXXX XXXX ), and another ( SHELLPOINT, A division of NewRez ) trying to get me to continue paying them with ongoing mortgage payments, Even though another prior servicer XXXX XXXX XXXX XXXX has already been paid off in full for this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Incomm Holdings Inc.
State: MD

Complaint narrative:
I received a visa vanilla {$500.00} gift card in XX/XX/2023 and I try to use it in XX/XX/2023 there was only XXXX cents left. Some one charged {$490.00} dollars at a dollar store in XX/XX/2023. Vanilla customers service gave me 45-90 days to follow up. Still no update on when my {$500.00} will be refunded. 

I see California filed a law suite against Vanilla gift card. 
As a consumer please do something about this credit card company not to secure these gift cards. 
Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On Sunday XX/XX/XXXX I accessed my XXXX credit card and noticed my credit score had substantially decreased. I accessed my XXXX credit report through XXXX. In addition to the current credit accounts I own, an additional credit line was listed through Bank of America. Per the report the account was opened on XX/XX/2017, its current balance is {$6600.00} with a credit limit of {$6000.00}. 

On XX/XX/XXXX I contacted XXXX regarding the issue. They requested I contact Bank of America and initiate a fraud complaint. I called Bank of America on XX/XX/XXXX. They were unable to identify the account based on my name, social security number or the account details listed above. They initiated an investigation that I was told would take 7-10 business days, with final outcome being reported to the credit bureaus and taking up to 90 days to process. I relayed this information to XXXX who advised I report this issue to the FTC ( which led to this page ) and my local police. They also informed me that I can complete a dispute through XXXX which would be an independent process from the Bank of America investigation, and take up to 45 days.

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 2024-02-19 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX inquiry : XX/XX/XXXX Navy FCU inquiry : XX/XX/XXXX XXXX  XXXX XXXX XXXX inquiry : XX/XX/XXXX XXXX XXXX inquiry : XX/XX/XXXX Has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX inquiry : XX/XX/XXXX XXXX XXXX inquiry : XX/XX/XXXX Capital 1 auto finance inquiry : XX/XX/XXXX XXXX XXXX inquiry : XX/XX/XXXX Has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a concerning issue that has significantly impacted my financial stability and well-being. I have diligently reported and disputed the inclusion of a XXXX  XXXX bankruptcy on my credit reports with all three major credit bureaus- XXXX, Equifax, and XXXX. 

I have taken various steps to rectify this error, including reporting the issue by phone, sending certified letters, and utilizing the credit bureaus ' online dispute platforms. Despite my persistent efforts, the bankruptcy court has not reported any information to the credit bureaus, and I have repeatedly requested that the credit bureaus provide evidence of authorization from the court. 

To my dismay, every agent I have spoken to at the credit bureaus has acknowledged that they lack any signed documentation from the bankruptcy court authorizing the inclusion of the XXXX XXXX  bankruptcy on my credit report. This erroneous listing has had severe consequences for my family and me, as we find ourselves homeless and unable to secure housing or favorable financial terms due to the adverse impact on my credit profile. 

I am gainfully employed, but the repercussions of this inaccurate bankruptcy listing have made it impossible for me to rent an apartment, purchase a home, or secure reasonable interest rates on financial products such as car insurance. The distress caused by this situation is immeasurable, and I am reaching out to seek your assistance in resolving this matter promptly. 

I kindly request the Consumer Financial Protection Bureau 's intervention to investigate and rectify this issue. Your guidance and intervention in ensuring that the credit bureaus adhere to accurate reporting practices would be invaluable in restoring my financial stability and providing my family with the opportunity for stable housing. 

I appreciate your prompt attention to this matter and am hopeful that with your assistance, we can rectify this situation swiftly. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a concerning issue that has significantly impacted my financial stability and well-being. I have diligently reported and disputed the inclusion of a XXXX XXXX bankruptcy on my credit reports with all three major credit bureaus- Experian, XXXX, and XXXX. 

I have taken various steps to rectify this error, including reporting the issue by phone, sending certified letters, and utilizing the credit bureaus ' online dispute platforms. Despite my persistent efforts, the bankruptcy court has not reported any information to the credit bureaus, and I have repeatedly requested that the credit bureaus provide evidence of authorization from the court. 

To my dismay, every agent I have spoken to at the credit bureaus has acknowledged that they lack any signed documentation from the bankruptcy court authorizing the inclusion of the XXXX XXXX bankruptcy on my credit report. This erroneous listing has had severe consequences for my family and me, as we find ourselves homeless and unable to secure housing or favorable financial terms due to the adverse impact on my credit profile. 

I am gainfully employed, but the repercussions of this inaccurate bankruptcy listing have made it impossible for me to rent an apartment, purchase a home, or secure reasonable interest rates on financial products such as car insurance. The distress caused by this situation is immeasurable, and I am reaching out to seek your assistance in resolving this matter promptly. 

I kindly request the Consumer Financial Protection Bureau 's intervention to investigate and rectify this issue. Your guidance and intervention in ensuring that the credit bureaus adhere to accurate reporting practices would be invaluable in restoring my financial stability and providing my family with the opportunity for stable housing. 

I appreciate your prompt attention to this matter and am hopeful that with your assistance, we can rectify this situation swiftly. 

Thank you for your time and consideration.

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 2024-02-19 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: CORELOGIC INC
State: VA

Complaint narrative:
I started shopping for mortgage rates on XX/XX/2023. 

On XX/XX/2023, I applied for pre-approval, resulting in a hard inquiry. This inquiry is listed as : XXXX XXXX XXXX via XXXX XXXX  XX/XX/2023 Then, on XX/XX/2023, I applied for a second pre-approval, shopping for better rates. This resulted in a second hard inquiry, listed as : XXXX XXXXXXXX XXXX via CREDCO XX/XX/2023 According to the FCRA, multiple hard inquiries for the purposes of mortgage lending/pre-approvals within a 14-day window are only counted as a single hard inquiry on my credit report. However, this is not the case currently. 

CREDCO/XXXX have the inquiry coded incorrectly, as several others have discovered themselves. Now that I am going through the lending process again, these multiple hard inquiries have had a negative effect on my credit score. 

This should be resolved 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 2024-02-19 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: IL

Complaint narrative:
15 us 1681i INCOMPLETE INFORMATION ON MY CONSUMER REPORT Transunion is reporting old, incomplete and inaccurate information on my consumer report. 
this is the second week that Transunion has reported old, incomplete AND inaccurate information promptly delete XXXX  promptly delete XXXX XXXX reported on XX/XX/2024 promptly delete XXXX  reported on XX/XX/2024 evidence is attached below

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