vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-26 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: TX

Complaint narrative:
I, a Federally protected Consumer, have contacted the companies and credit reporting agencies several times via USPS mail in regard to reporting inaccurate information on my consumer reports to no avail. These inaccurate inquiries are effecting my Rights and lending power. According to the Fair Credit Reporting Act 15 USC 1681 inaccuracies should be removed after an investigation of at least 30 days, I have contacted these companies including the credit reporting agencies starting in XX/XX/XXXX and there are still reporting inaccurate information on my report. I have even opted out which is my right to do so according to 15 U.S.C. 6802, 16 CFR 313.1-2, and The Privacy Act of 1974.

There are still several addresses on my report and there is only one address that is deliverable to me by the USPS this needs to 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 non-monetary relief
Consumer complaint received 2023-12-26 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: TX

Complaint narrative:
I, a Federally protected Consumer, have contacted the companies and credit reporting agencies several times via USPS mail in regard to reporting inaccurate information on my consumer reports to no avail. These inaccurate inquiries are effecting my Rights and lending power. According to the Fair Credit Reporting Act 15 USC 1681 inaccuracies should be removed after an investigation of at least 30 days, I have contacted these companies including the credit reporting agencies starting in XX/XX/XXXX and there are still reporting inaccurate information on my report. I have even opted out which is my right to do so according to 15 U.S.C. 6802, 16 CFR 313.1-2, and The Privacy Act of 1974.

There are still several addresses on my report and there is only one address that is deliverable to me by the USPS this needs to be resolved immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: GA

Complaint narrative:
XXXX lists XXXX XXXX as the source of verifying a Public Record Bankruptcy case # XXXX that keeps showing up on my XXXX credit report. I requested verification of this public record and XXXX claims that they verified it through XXXX XXXX. There is supposed to be a Security Freeze on my XXXX XXXX consumer file since XX/XX/2016. XXXX failed to accurately honor my request of verification of this public record by informing me that they verified through a FROZEN consumer credit report. I am attaching the results displayed of the so-called investigation of XXXX 's findings and a copy of my LexisNexis consumer XXXX that shows the date of a security freeze that I placed on my file in XXXX of 2016 to avoid further fraudulent activity in my name. My XXXX XXXX consumer report is supposed to be FROZEN until I lift the freeze. I HAVE NOT LIFTED THE SECURITY FREEZE. XXXX XXXX is listed as the source of verification which leads me to believe that XXXX is not being factual about investigating this item on my credit report if they claim that they retrieved the results from a consumer account that clearly has a SECURITY FREEZE IN PLACE. I DEMAND Immediate deletion of the Public Record Bankruptcy case # XXXX that keeps showing up on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: GA

Complaint narrative:
XXXX lists XXXX XXXX as the source of verifying a Public Record Bankruptcy case # XXXX that keeps showing up on my XXXX credit report. I requested verification of this public record and XXXX claims that they verified it through XXXX XXXX. There is supposed to be a Security Freeze on my XXXX XXXX consumer file since XX/XX/2016. XXXX failed to accurately honor my request of verification of this public record by informing me that they verified through a FROZEN consumer credit report. I am attaching the results displayed of the so-called investigation of XXXX 's findings and a copy of my XXXX consumer file that shows the date of a security freeze that I placed on my file in XXXX of XXXX  to avoid further fraudulent activity in my name. My XXXX XXXX consumer report is supposed to be FROZEN until I lift the freeze. I HAVE NOT LIFTED THE SECURITY FREEZE. XXXX XXXX is listed as the source of verification which leads me to believe that XXXX is not being factual about investigating this item on my credit report if they claim that they retrieved the results from a consumer account that clearly has a SECURITY FREEZE IN PLACE. I DEMAND Immediate deletion of the Public Record Bankruptcy case # XXXX that keeps showing up on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MD

Complaint narrative:
Prior to applying for PSLF, my loans were serviced by XXXX XXXX. On XX/XX/XXXX, my loans were transferred to MOHELA as a result of my PSLF application. On XX/XX/XXXX, MOHELA informed me by way of letter that my application for the PSLF waiver was approved, and that my loans had been forgiven. 

During the course of my repayment, I made XXXX payments. The total refund I received is {$22000.00}. {$22000.00} / {$450.00} ( my monthly loan payment amount ) = XXXX. Mohela is not reconciling my payment history correctly. I am owed XXXX payments as a function of basic math. My repeated requests for a refund of the remaining XXXX payments has gone unanswered as well as support for how Mohela determined I only made XXXX payments towards my student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I received a call from my XXXX  XXXX credit card bank stating that someone had tried to open account under my name on XX/XX/XXXX, he was able to cancel the account and told me to call the three credit bureaus in which I have to freeze my credit report. This person also tried to open an account under my name with Wells Fargo XX/XX/XXXX, and an account with XXXX  XXXX XXXX at an unknown date but I believe to be XXXX weeks 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 2023-12-27 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:
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 that 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 2023-12-27 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:
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
So I had a credit card years ago, but I was behind on paying this debt. So this debt was passed on to a debt collection company, called Midland Credit Management. I've spoken to them over the phone for 2 years now or more. 

They were were fully aware that I wasn't working at the time and still harassed me by repeatedly calling me. They still call me at odd times throughout the day. I don't mind working out some kind of payment plan with MCM, but not if they keep calling me constantly without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: AK

Complaint narrative:
I have been living in XXXX since XX/XX/2022. There is no way i lived t this property. this property is near a college campus and they prey on XXXX XXXXXXXX XXXX. I lived in XXXXXXXX XXXX for years. I lived on XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I lived with my ex girlfriend and we broke up. Ican only assume her or her and her twin sister together stole my identity. we had lived together for years so i can only imigine we shared even XXXX accoints for streaming. somehow they got to rent an apt in my name i have will file a police report. i have been living in alalska and have not returned to the lower XXXX this property mangement company is racking up debt on me that does not belive to me i m contact your office for help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2023-12-26 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: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I have attempted to open up several business accounts with Navy Federal.

Accounts I wanted to open : - Checking Account for my credit monitoring company " XXXX '' ( XXXX ) - XXXX XXXX XXXX XXXX, - Checking Account for my corporation that provides business services to other businesses for example to help minority owned corporations file for their LLC 's, EIN 's, and Help them write business plans, and Corporate structure documents- XXXX XXXX XXXX XXXX Navy Federal is refusing to open the accounts and wont give me a reason why. 

These are minority owned ad focused businesses and we believe that Navy Federal is discriminating by not opening an account and then not giving a reason why.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: TX

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 explanation
Consumer complaint received 2023-12-26 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: NY

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I have blocked the number as I do not wish to speak with them. I have not sent them any money or spoken with anyone on the phone. They have called me at least 8 times since XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: United PanAm Financial Corp.
State: MO

Complaint narrative:
XXXX  Auto Loan was paid off to the original creditor XXXX XXXX XXXX XXXX. I have included the lien release letter and a payoff letter dated XX/XX/XXXX received from XXXX XXXX XXXX XXXX. I, XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, private civilian do NOT have a contract with the entity United Auto Credit XXXX The new Creditor : United Auto Credit - Debt Amount : {$37000.00} - Date Of Assignment : XXXX XXXX Request was made to caller for a copy of contract ( with wet ink signatures by the lXXXX XXXX and XXXX XXXX XXXX XXXX XXXX ), XXXX  XXXX and XXXX and still nothing provided. Written request has been sent with notice and claim, public notice of debt discharge, notice of surety/subrogation, and debt of assignment by surety. United Auto Credit has placed false information on the credit report as a " new loan ''. [ Title 15 USC 1681n ] Civil liability for willful noncompliance, [ Title 18 USC 1951 ], interference with commerce by threats or violence, [ Title 15 USC 1692b ] Debt collectors are prohibited from using any false, deceptive, or misleading representation or means in connection with the collection of a debt, [ Title 15 USC 1611 ] criminal liabilities for willful and knowing violations, [ Title 15 USC 1681b ] addresses the permissible purposes for which consumer reports can be obtained and used, [ Title 15 USC 1681c ] is to protect consumers ' privacy and ensure fair and accurate reporting of their credit information. [ Title 18 USC 1001 ] statements and entries generally, [ Title 42 USC 1986 ] actions for neglect to prevent, [ Title 15 USC 1639a ] duty of servicers of residential mortgages, [ Title 15 USC 35 ] recovery of damages, etc., for antitrust violations from any local government, or official or employee thereof acting in an official capacity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: IL

Complaint narrative:
I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below have violated my federa

lly protected consumer rights to privacy and confidentiality under 15 USC 1681. Delete this account immediately, unless you want to be held accountable {$1000.00} per violation 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 XXXX XXXX XXXX. 

XXXXDEPT OF ED : ACCOUNT # XXXX ; DEPT OF ED/XXXX  : ACCOUNT # XXXX XXXX XXXX : ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXXXXXX : ACCOUNT XXXX XXXX XXXX XXXX XXXX : ACCOUNT # XXXX have 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 an 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 reporting agency if the person knows or has reasonable cause to believe that 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 2023-12-26 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: MD

Complaint narrative:
XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXXXXXX DE XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX DE XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX MD XXXX Previous Address ( es ) : XXXXXXXX XXXXY XXXX XXXX XXXX DE XXXX The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXXDEPT OF ED XXXX XXXXDEPT OF ED Date : XX/XX/XXXXXXXX XXXX XXXX  I Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. In accordance with the Fair Credit Reporting Act Accounts and information above, 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. 





Sincerely, 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 2023-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: IL

Complaint narrative:
I pay a seller about {$850.00} for promotion and he couldnt deliver so I requested a refund which he did but chime havent send the money to me yet, I even attach the final ss of the dispute from the seller that the bank has my funds, another is the {$1000.00} for the same music promotion and XXXX page they couldnt deliver I open a case they got the money but refused to give it, the last was the XXXX XXXX  XXXX  said they refunded the money but chime havent given it yet please XXXX you close my account can you write my {$2200.00} check? From my disputes I will attach the XXXX  of each dispute I save it just in case you want to say Im lying because you can do something like that and let me know if you need more information or evidence this I will provide all the info I got them save

Company response to consumer: Closed with explanation