vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
: Method of Verification Highly Requested under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation Procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.

Please send the following information used to validate the validity of the invalidated items below : Account explanation 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I attended XXXX XXXX XXXX XXXX in XXXX XXXX and XXXX, CA, from XX/XX/XXXX until I withdrew in XX/XX/XXXXXXXX  due to medical reasons. During my enrollment, I was misled about job placement opportunities and the quality of the program. The school provided false statistics regarding job prospects and failed to offer adequate assistance in finding stable employment. I was also under the impression that the program was well-accredited, only to learn later that it lacked the necessary accreditation to support my career goals. Furthermore, my major was removed while I was on leave, leaving me with no clear path to complete my studies. These misleading practices have contributed to my difficulty in repaying my federal student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA
State: CA

Complaint narrative:
I filed a complaint with CFPB in regards to my XXXX private student loans. I was claiming that my loans should be discharged due to misconduct on the part of my school ( XXXX XXXX XXXX XXXX ). I received an application from XXXX and I returned it with supporting documentation. They Denied me without any explanation. Sense then the DOE has determined that my loans were approved for discharge and full removal from my credit report. Now Mohela services XXXX loans and every time that I try to explain my situation they just want money. I am submitting documents that will explain. It doesn't make sense that the federal government has discharged these loans and XXXX can even do the right thing and discharge my loans. Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
EXTREMELY DECEPTIVE loan practices! They state a certain rate percentage on their website and lure you in to apply, then slap you with a much higher rate AFTER they run your credit and the corresponding hard inquiry. I applied for an auto refinance based on their website 's marketed rates on XX/XX/year>XXXX  ; read all of their fine print, exceeded all of the requirements, but the rate they gave me was nearly DOUBLE what their website listed. My credit is spotless, score is in the XXXX, and have a finance degree. I know EXACTLY what conditions need to be met in order to obtain the lowest rate. 
When I contacted their loan dept on XX/XX/year>, their claim was a farcical " well, that's just our underwriting process and what the system gave us .... '' That is absolute nonsense, a corporate line to cover their butts for predatory lending practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: NV

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

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

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

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

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: NY

Complaint narrative:
NOTICE OF MULTIPLE FEDERAL LAW VIOLATIONS AND DEMAND FOR IMMEDIATE REMOVAL Re : Unauthorized Hard Inquiries dated XX/XX/XXXX According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' UNAUTHORIZED INQUIRIES TO BE REMOVED : 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 LEGAL VIOLATIONS : 1. DIRECT FCRA VIOLATIONS : A. 15 USC 1681b ( a ) VIOLATION : " A consumer reporting agency may furnish a consumer report ONLY if : '' - Written instructions from consumer exist - Permissible purpose is certified NO SUCH DOCUMENTATION EXISTS B. 15 USC 1681b ( f ) VIOLATION : " A person shall not use or obtain a consumer report for any purpose unless : - The consumer report is obtained for a purpose for which it is authorized - The purpose is certified '' NO CERTIFICATION EXISTS C. 15 USC 1681q CRIMINAL LIABILITY : " Any person who knowingly and willfully obtains information on a consumer under false pretenses shall be fined, imprisoned, or both '' 2. PRIVACY ACT VIOLATIONS : 5 USC 552a ( b ) states : " No agency shall disclose any record ... without prior written consent '' - No consent provided - No authorization exists - No permissible purpose documented 3. ELECTRONIC FUND TRANSFER ACT : 15 USC 1693e : " A person may not condition extension of credit on consumer 's repayment by electronic means '' - Multiple electronic credit pulls without authorization - No electronic consent obtained - No written agreement exists BURDEN OF PROOF : Under FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( A ) : " 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 '' The burden lies with the furnishers to prove : 1. Written authorization for each inquiry 2. Time-stamped applications 3. Signed consent forms 4. Permissible purpose certification NO SUCH PROOF EXISTS MANDATORY REMOVAL REQUIREMENTS : Under FCRA 15 USC 1681i ( a ) ( 5 ) : " If information is found to be inaccurate, incomplete, or can not be verified ... the information shall be promptly deleted '' LEGAL PRECEDENT : Cortez v. Trans Union , LLC, 617 F.3d 688 ( XXXX XXXX. XXXX ) : - Requires immediate removal of unverified information - Places burden of proof on credit reporting agencies- Establishes strict liability for violations

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 2025-01-10 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: NY

Complaint narrative:
NOTICE OF MULTIPLE FEDERAL LAW VIOLATIONS AND DEMAND FOR IMMEDIATE REMOVAL Re : Unauthorized Hard Inquiries dated XX/XX/XXXX According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' UNAUTHORIZED INQUIRIES TO BE REMOVED : 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 IRREFUTABLE LEGAL VIOLATIONS : 1. DIRECT FCRA VIOLATIONS : A. 15 USC 1681b ( a ) VIOLATION : " A consumer reporting agency may furnish a consumer report ONLY if : '' - Written instructions from consumer exist - Permissible purpose is certified NO SUCH DOCUMENTATION EXISTS B. 15 USC 1681b ( f ) VIOLATION : " A person shall not use or obtain a consumer report for any purpose unless : - The consumer report is obtained for a purpose for which it is authorized - The purpose is certified '' NO CERTIFICATION EXISTS C. 15 USC 1681q CRIMINAL LIABILITY : " Any person who knowingly and willfully obtains information on a consumer under false pretenses shall be fined, imprisoned, or both '' 2. PRIVACY ACT VIOLATIONS : 5 USC 552a ( b ) states : " No agency shall disclose any record ... without prior written consent '' - No consent provided - No authorization exists - No permissible purpose documented 3. ELECTRONIC FUND TRANSFER ACT : 15 USC 1693e : " A person may not condition extension of credit on consumer 's repayment by electronic means '' - Multiple electronic credit pulls without authorization - No electronic consent obtained - No written agreement exists BURDEN OF PROOF : Under FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( A ) : " 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 '' The burden lies with the furnishers to prove : 1. Written authorization for each inquiry 2. Time-stamped applications 3. Signed consent forms 4. Permissible purpose certification NO SUCH PROOF EXISTS MANDATORY REMOVAL REQUIREMENTS : Under FCRA 15 USC 1681i ( a ) ( 5 ) : " If information is found to be inaccurate, incomplete, or can not be verified ... the information shall be promptly deleted '' LEGAL PRECEDENT : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : - Requires immediate removal of unverified information - Places burden of proof on credit reporting agencies- Establishes strict liability for violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: CT

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 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 2025-01-10 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:
XXXXXXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U. S. C. 1681c-2 ) that you, EXPERIAN reporting agency , block information appearing on my consumer 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 XXXX XXXX  ACCOUNT # XXXX OPENED XXXXXXXX  AMOUNT : {$54000.00}. These accounts have resulted in several hard inquiries and fraudulent collections and charge-offs appearing on my FICO consumer credit report. The aforementioned accounts, collections, charge offs, appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, charge offs, are a result of identity theft and fraud. I have attached a copy of my FTC identity theft report complaint # XXXX as proof of the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, charge offs, are the result of identity theft.

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 2025-01-10 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: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I am writing to complaint to DIGITAL FEDERAL CREDIT UNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX WA, XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/year>. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I updated my current address and requested all old addresses to be deleted but instead TransUnion updated my current address to an old address which I requested to be deleted and documented my current address as an old address. Trans union has repeatedly denied my disputes, made it impossible to contact them and insist on giving me false information to verify why they are not changing the incorrect information in my 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 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-01-10 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: DC

Complaint narrative:
On XX/XX/XXXX, I received an email stating that I had opened an account with Ally Bank. I immediately contacted Ally Bank to advise them that I had not opened an account and that the activity was fraudulent and identity theft. I then froze my credit with all three bureaus and placed alerts on my credit. 

In the intervening period, Ally claims they have closed the account, but they refuse to provide any confirmation of this in any form, including written communications, digital communications, or oral communications that would allow me to independently verify such. They have never provided an account type, account number, account balance, or other information upon request. They refuse to remove my personal data from their systems and the emails I continue to receive ( including the most recent email today XX/XX/XXXX ) indicate that my account is open and that I am receiving secure communications from their team regarding the account which I can not see and which they will not disclose to me upon request. 

I have formally demanded that they remove my data from all systems where it is not legally required to persist and they have not agreed to do this or provided confirmation that it has been done. I don't know if the account is open or if anyone is continuing to access it. I don't know the status. When I call their online system it treats me as a normal active customer when I provide my name and phone number, and asks which account I would like help 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 non-monetary relief