vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-16 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: TX

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 account listed without my expressed written consent.

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 2024-12-16 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:
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 account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: MOHELA
State: MD

Complaint narrative:
XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX made pervasive and widespread substantial misrepresentations that their private loan borrowers relied on to their detriment. This conduct affected students who enrolled at XXXX XXXX XXXX  from XXXX XXXX, XXXX through XXXX XXXX, XXXX, when the campuses were sold to XXXX XXXX XXXX XXXX, XXXX. These misrepresentations related to the salaries and employment rates for its graduates and the benefits and connections XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX provided to students and graduates. Because of the pervasive and widespread nature of the misconduct by XXXX XXXX XXXX The Department of Education has determined that it is appropriate to discharge the loans made to all students who attended XXXX XXXXXXXX XXXX during the time period described above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: NJ

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Reference Number : XXXX I submitted a dispute with Amex that XXXX didnt receive the merchandise. 
The merchant provided a photo of the return, which showed that they did not receive the bracelet. Therefore, the merchant concluded that I took the bracelet. 
Then the merchant provided the receipt of my purchase and XXXX 's signature. Ironically, the signatory is not me, and this person signed with an illegal ID. 
The merchant was sure that I didn't return the goods, because I didn't receive the goods at all. 
In the week when the incident happened, the merchant contacted me and said that he had not received the goods. And the merchant mentioned that they had filed a claim with XXXX  and I also provided the police reports. 
In the face of so much evidence I provided, Amex still rejected my dispute. 
Sum up, package was signed by an invalid XXXX is not responsible for this purchase.

And the merchant doesnt have evidence that XXXX XXXX the package and have the merchandise in XXXX XXXX. 
Please ask for certificate of receipt signed by the Cardholder from the merchant. XXXX indicates that the merchant has an image that shows who signed for it. The merchant has not provided this document. Please ask the merchant to provide this document!! 
I won't pay this bill. I will fight until the end.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: VA

Complaint narrative:
Equifax continues to unlawfully use the US Postal Service to transmit unlawful correspondence to my address. I am uploading proof of the alternate and mistaken names along with written confirmation of Equifax knowledge of my correct full name. 

As you will see from the most recent mistaken variations of my name, it appears the errors were intentionally made. There is no lawful or legitimate reason for Equifax activity, and a host of concerns have surfaced regarding its creation and use of intentionally defective names/identities. 

In view of the concerns that have surfaced, all correspondence omitting my suffix shall be returned to Equifax unopened without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: PA

Complaint narrative:
The inquiry was not authorized by me, and I did not communicate with this lender on the specified date

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 2024-12-16 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-12-16 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AZ

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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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:
These inquiries are not mine please remove them from credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Michigan Laws Dear CAPITAL ONE AUTO FINAN, I am writing to address the unauthorized reporting of information to my credit report, which violates the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ). Additionally, your actions infringe on Michigan 's identity theft and consumer protection laws, including the Michigan Identity Theft Protection Act ( MCL XXXX ) and the Michigan Consumer Protection Act ( MCL XXXX ). 

It has come to my attention that CAPITAL ONE AUTO FINAN has reported information to my credit report without my explicit consent. The FCRA mandates that consumer consent is a prerequisite for any such reporting, as outlined in Section 1681b ( a ) ( 2 ). Michigan law further underscores the importance of safeguarding consumer rights and prohibits unauthorized use or disclosure of personal information under the Identity Theft Protection Act ( MCL XXXX ). 

I assert unequivocally that I have not provided consent for CAPITAL ONE AUTO FINAN to report any information to my credit report. This lack of authorization constitutes a violation of my rights, exposes me to potential harm, and demonstrates a disregard for federal and Michigan laws. 

In addition to the federal FCRA provisions, Michigan law imposes specific requirements on entities handling consumer information. Under MCL XXXX, any unauthorized use or disclosure of personal information must be promptly corrected, and affected individuals must be notified. CAPITAL ONE AUTO FINAN unauthorized reporting may also constitute unfair trade practices under the Michigan Consumer Protection Act, MCL XXXX ( XXXX ). 

I demand that CAPITAL ONE AUTO FINAN immediately cease reporting any information to my credit report without obtaining my explicit consent, as required by federal and Michigan law. You are further required to remove any unauthorized entries from my credit report and provide written confirmation of this action within 30 days of this notice. Failure to comply will result in further action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Michigan Attorney General 's Office, and pursuing legal remedies under applicable laws. 

This demand is not negotiable but a legal obligation under the FCRA and Michigan state law. I urge you to address this matter promptly to avoid further legal consequences. 

Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

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 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 2024-12-16 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:
I want to make a compliant for Experian Credit Breau My address is inaccurate I never lived at XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX and XXXX XXXX XXXX XXXX NY XXXX XXXX can send over a police report to prove this address is fraudulent. I will upload my License to prove this information. 
My name has never been XXXX XXXX. I can update my social card to prove this information. 
I've never rented an instrument XXXX XXXX Account XXXX in XXXX, FL XXXX under XXXX XXXX. This is fraudulent and due to it being {$480.00} which is under {$500.00} they said I can not file a police report. I will upload my license and SSN to prove my name. 
This is fraudulent under my name I never lived at XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX, Account XXXX ... XXXX XXXX XXXX the current amount is {$2600.00}. I have reached out through phone and certified mail. They have yet to respond to my second notice. 
Lastly, I have reported Account XXXXXXXX XXXX XXXX XXXX, because they have violated my rights. I never received a response from them. 
In accordance with the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights under 15 U.S.C. 1681, specifically Section 604 ( a ) ( 2 ). This provision grants me the right to privacy and stipulates that a consumer reporting agency can not disclose account information without my written consent. Furthermore, under 15 U.S.C. 1666b, a creditor is prohibited from treating a payment on a car loan account under an open-end consumer credit plan as late for any purpose.

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 2024-12-16 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: WI

Complaint narrative:
Subject : Complaint Against TransUnion for Violation of 15 U.S. Code 16811 ( 5 ) and Failure to Remove Inaccurate Account Information.

Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint against TransUnion for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 16811 ( 5 ) of the Fair Credit Reporting Act. 
Account Information : Creditor Name : XXXX XXXXXXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$3500.00} Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, TransUnion has failed to comply with the law and has retained the inaccurate account information.

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of TransUnion to adhere to this requirement is a clear violation of 15 U.S. Code 16811 ( 5 ) and has caused me financial harm and distress.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against TransUnion for its non-compliance with the Fair Credit Reporting Act, I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that TransUnion upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.

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 2024-12-16 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: WI

Complaint narrative:
Subject : Complaint Against TransUnion for Violation of 15 U.S. Code 16811 ( 5 ) and Failure to Remove Inaccurate Account Information.

Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint against TransUnion for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 16811 ( 5 ) of the Fair Credit Reporting Act. 
Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$3500.00} Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, TransUnion has failed to comply with the law and has retained the inaccurate account information.

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of TransUnion to adhere to this requirement is a clear violation of 15 U.S. Code 16811 ( 5 ) and has caused me financial harm and distress.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against TransUnion for its non-compliance with the Fair Credit Reporting Act, I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that TransUnion upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue.

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 2024-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/year> - Placed a XXXX transaction of {$400.00} to my brother on my Bank of America mobile app. I got a notice by email saying it was on hold for review. Got a second email saying there was nothing else I needed to do. 
XX/XX/year> - Recipient still hadn't received money. I called bank and was told I was notified I had to answer some additional questions to get it released. I answered all of the questions and advised I wanted it released back to my bank since I had to send the money a different way. I was told, once money sent, it could not be sent back to me although it still hadnt been sent to recipient. I filed a complaint with the rep on the bank that day. 
XXXX Recipient still hadn't received money and it had not been placed back into my account. I called and BOA and rep could not explain why but directed me to TREAS.GOV/FAC to request my money back. The website was no help as there weren't any clear instructions on what to do. 
XXXX Called BOA again. I was transferred 3 times. Was told by 2 reps that they didnt know why it was still on hold. 3rd and last rep told me it was still under review by the XXXX XXXX XXXX and the transaction could not be cancelled, nor could my funds be released back to me until they were done with their investigation. There is no other action needed from me. They have had my money on hold for 10 days now. I had to send my brother the money a different way. If they couldn't send it, they should have just released it back to me. Now they are causing me not to be able to pay other bills by keeping my money.

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 2024-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation