vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
i requested XXXX XXXX payments from a clients totaling XXXX, the deposit went through no problem it wasnt until i ordered product and balance got down to XXXX is when navy federal froze the account and informed me the XXXX  payments was done fraudulently .immediately i reach out to my customer to inform her what the bank said. she had me meet her her branch bank to talk to the manager who informed us that nothing was done fraud or improper on her in and the problem was solely navy federal doing.now they have held my money hostage for almost XXXX month and will not do anything to release my money. for the life of me how can it be anything fraudulent done and i have a positive balance. they've sent bank statements since this happen in XXXX. if this was done by fraud and i spent all but XXXX why dont i have a negative XXXX showing in the account? i have been XXXX and XXXX XXXX XXXX due to this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: SLM CORPORATION
State: NJ

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602, it is mandated that consumer reporting agencies, such as XXXX, XXXX, and XXXX, exercise their responsibilities with fairness, impartiality, and respect for consumer privacy rights. As a consumer, I am empowered to ensure that my private information remains protected, as affirmed by 15 USC 6801, which emphasizes the obligation of financial institutions to respect customer privacy and safeguard their nonpublic personal information.

Furthermore, 15 USC 1681 section 604 ( a ) ( 2 ) explicitly states that consumer reporting agencies may only furnish consumer reports with the written instructions of the consumer. Neither the financial institution, acting as a furnisher of information to credit agencies, nor the consumer reporting agencies, XXXX and XXXX, have obtained my written consent to furnish my information. Therefore, any previous consent, whether verbal, non-verbal, written, or implied, is hereby revoked. 

Moreover, 15 USC 6802 ( b ) ( c ) b stipulates that a financial institution must inform the consumer of their right to exercise a nondisclosure option regarding the sharing of nonpublic personal information with nonaffiliated third parties. However, ( Furnisher of information to credit agencies ) failed to provide me with an explanation of how to exercise this right.

Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse items of information in consumer reports without authorization. Yet, the inclusion of adverse account information without my consent violates this provision.

Furthermore, 12 CFR 1016.7 ensures that consumers have the right to opt out of information sharing at any time. Therefore, I am exercising my right to opt out of your reporting services.

In addition to the above laws and regulations, the Family Educational Rights and Privacy Act ( FERPA ) also safeguards the privacy of student education records. Under FERPA, educational institutions that receive federal funds are required to protect the confidentiality of student records and provide students with certain rights regarding their educational records. Therefore, I assert my rights under FERPA to ensure the privacy and protection of my educational information.

Please confirm in writing that my request to opt out of the disclosure of my personal information has been processed in accordance with all relevant laws and regulations, including FERPA. If further information or documentation is required from me to facilitate this process, please do not hesitate to contact me at the provided address. 

Thank you for your attention to this matter, and I appreciate your prompt action in complying with my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: VA

Complaint narrative:
I have accounts reporting on my credit due to fraud, I did not open these accounts, I had a nurse taking care of me due to hippa reasons and was tooken advantage of due to her getting a hold of my information, I gave no one permission to open anything in my name and will like them to be removed please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My address isnt updated to where I live, its telling me where I lived a few years ago but Ive moved a couple times already. Also, my bank accounts arent the same and my recent job hasnt been updated.

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 2024-04-29 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: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$7900.00} XXXX  XXXX XXXX Balance : {$2000.00} XXXX XXXXXXXX XXXX Balance : {$91.00} XXXX XXXX XXXX Balance : {$880.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-04-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$7900.00} XXXX  XXXX XXXX Balance : {$2000.00} XXXX XXXX  XXXX Balance : {$91.00} XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 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: CA

Complaint narrative:
I was just able to take a look at my credit report, and am stunned, and I couldnt believe my eyes when I saw all of these mistakes in reporting! 

I don't know why these companies are putting this on my credit report. I have never been delinquent on my payments with any of these people. When I called them they said I needed to just dispute it with you. 

I need you folks to fix these accounts. In the meantime, I may be denied based on all of this. Ive already tried two places. Please don't leave it this way I need your help! The above accounts should be reported as positive standing I thank you for your time. 

Please investigate and take a look at these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have disputed the account XXXX XXXX on my Experian credit report several times. Experian is not investing the case at all. I have opened a dispute with Experian twice and both disputes were opened and closed within two days, therefore letting me know that they were closing the disputes without during the proper investigation. I do not owe any debt to XXXX XXXX nor XXXX, the company they are representing. Experian continue to report this fraudulent information on my credit report. I sent a copy of the payment transaction from my bank statement directly to Experian to show the full amount had been paid to XXXX on XX/XX/2019, which my bank XXXX can verify. I have asked Experian over and over to remove it from my account. Instead of Experian removing it as it is not accurate, it was updated on my account as closed. They are not in compliance with the CFBP.

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent 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 2024-04-29 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my credit report, I would like them to please be removed from my credit report as they are hurting my ability to obtain credit. 

XXXXXXXX XXXX Account Number # # # # # XXXX Date Assigned XX/XX/year> Current Balance {$250.00} XXXX XXXX XXXX XXXX # # # # # # XXXX Date Assigned XX/XX/year> Current Balance {$200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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: CT

Complaint narrative:
FCRA 605B stipulates that we must eliminate any inaccurate accounts from my credit report. Could you please review the documents? Several of the listed accounts contain inaccuracies in their reporting. I am entitled to {$1000.00} for each incorrect entry on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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: NC

Complaint narrative:
The following inquiries are fraudulent and unauthorized by myself and need to be removed immediately. 
TRANSUNION : XXXX  XXXXXXXX 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 Iam hereby notifying you that neither on that date or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, having understood this is a violation of 15 USC 1681 ( B ) ( C ), Both together and separately my consumer and privacy rights are being violated. I would like for you to please remove these items from my consumer repor

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 2024-04-29 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: MI

Complaint narrative:
Recently a file was removed from XXXX following an investigation. XXXX has refused to remove the same file and has also refused to run a correct investigation on the file. They have revived a digital and paper copy of the XXXX file being deleted and have ignored it each time

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I recently submitted a complaint about Experian reporting incorrect information on my credit file. The dispute was opened and verified by Experian but I will be filing a complaint until the inaccurate information is removed. 
XXXX XXXX XXXX XXXX Is reporting a charged off account with a balance of {$3000.00}. This account has been sold to a collection agency which means I no longer owe the balance to XXXX XXXX XXXX. A company called XXXX XXXX has purchased the debt. I can not owe 2 companies for the same account. If this account has been sold to a 3rd party collection company then the balance reported should be 0. Under the FCRA laws, this account is being inaccurately reported and I am entitled to compensation. If it is not removed this 2nd time around, I will be hiring an attorney for legal assistance. 

The item on my Experian report is XXXX XXXX XXXX XXXX I am attaching letters from XXXX XXXX that prove that this debt was sold to a 3rd party collection agency.

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 2024-04-29 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: CA

Complaint narrative:
I am not aware of this account. I have reached out to 3 credit bureaus and XXXX XXXX XXXX to have this account removed from my file and they always say the same excuse, which is no longer acceptable. I have filed an FTC complaint because I believed this is an outcome of identity Theft. Regardless of all actions done on my end, there was no action from 3 Bureaus. Thus, I am reaching out to seek assistance to have XXXX XXXX XXXX that I have no account with them and 3 credit bureaus can simply remove it from my credit. 


I was just able to take a look at my credit report, and am stunned, and I couldnt believe my eyes when I saw all of these mistakes in reporting! 

I don't know why these companies are putting this on my credit report. I have never been delinquent on my payments with any of these people. When I called them they said I needed to just dispute it with you. 

I need you folks to fix these accounts. In the meantime, I may be denied based on all of this. Ive already tried two places. Please don't leave it this way I need your help! The above accounts should be reported as positive standing I thank you for your time. 

Please investigate and take a look at these accounts : XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-04-29 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: VA

Complaint narrative:
I have accounts reporting on my credit due to fraud, I did not open these accounts, I had a nurse taking care of me due to XXXX reasons and was tooken advantage of due to her getting a hold of my information, I gave no one permission to open anything in my name and will like them to be removed please

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 2024-04-29 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: VA

Complaint narrative:
I have accounts reporting on my credit due to fraud, I did not open these accounts, I had a nurse taking care of me due to XXXX reasons and was tooken advantage of due to her getting a hold of my information, I gave no one permission to open anything in my name and will like them to be removed please

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 2024-04-29 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: General Motors Financial Company, Inc.
State: MN

Complaint narrative:
- XXXX XXXXXXXX XXXX XXXX account number XXXX : This account listed on my report is unfamiliar to me, as I have never had an account with this bank. 

- XXXX XXXXXXXX, account number XXXX : In an attempt to establish credit at a young age, I opened this account, but I soon realized I wasn't ready for the responsibility and attempted to close the account. 

- XXXX XXXX XXXX XXXX  account number XXXX : I deposited {$300.00} into this account, but the funds were withdrawn without any explanation from the bank. I contacted the bank for clarification but did not receive any information. 

- GM Financial, account number XXXX : I am currently in the process of paying off my car loan with GM Financial. 

- XXXX XXXX, account number XXXX : This account was opened fraudulently as my identity was stolen. I did not authorize the opening of this account. 

- XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX, account number XXXX - XXXX XXXX XXXX, account number XXXX - XXXX XXXX XXXX XXXX XXXX, account number XXXX - XXXX XXXX, account number XXXX XXXX XXXX XXXX, account number XXXX The remaining accounts listed on my report are also unfamiliar to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am not aware of this account. I have reached out to XXXX credit bureaus and XXXX XXXX XXXX to have this account removed from my file and they always say the same excuse, which is no longer acceptable. I have filed an FTC complaint because I believed this is an outcome of identity Theft. Regardless of all actions done on my end, there was no action from XXXX Bureaus. Thus, I am reaching out to seek assistance to have XXXX XXXX XXXX that I have no account with them and XXXX credit bureaus can simply remove it from my credit. 


I was just able to take a look at my credit report, and am stunned, and I couldnt believe my eyes when I saw all of these mistakes in reporting! 

I don't know why these companies are putting this on my credit report. I have never been delinquent on my payments with any of these people. When I called them they said I needed to just dispute it with you. 

I need you folks to fix these accounts. In the meantime, I may be denied based on all of this. Ive already tried XXXX places. Please don't leave it this way I need your help! The above accounts should be reported as positive standing I thank you for your time. 

Please investigate and take a look at these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief