vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: CA

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  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX XXXX5 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 explanation
Consumer complaint received 2025-01-08 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: FL

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 non-monetary relief
Consumer complaint received 2025-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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 non-monetary relief
Consumer complaint received 2025-01-08 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: SC

Complaint narrative:
I am seeking your assistance in reviewing accounts from companies that are inaccurately reporting late payments. After being laid off, I requested forgiveness for these payments, and they agreed, yet the late fees are still being reported. Despite reaching out, Ive received no updates, making this my final attempt to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX has a car loan that now is currently closed reporting my credit report. The loan was opened in XX/XX/XXXX and paid/closed in XX/XX/XXXX. The loan is not mine and I do not own this car never did business in the form of a car loan with this company. This is fraudulent account.

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 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
CKS PRIME INVESTMENTS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX - Debt Buyer XX/XX/XXXX XXXX  account. {$710.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX I dont have acknowledge of this company I do not owe them anything I dont have any obligation if I never had any contract or business with 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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
In XXXX XXXX, I requested credit from XXXX XXXX, XXXXXXXX XXXX  I was granted credit through TDBank. The sofa I purchased had to be made, so I was not to pay for the sofa for months down the road. 
In XXXX  XXXX, the sofa was delivered to my home. Up to this point, I had not received any paperwork, credit card, invoice or anything from XXXX or TDBank. 
In XXXX I received notice through XXXX Credit Bureau that I had missed a payment to TD Bank more than 30 days. This dropped my XXXX XXXX by over XXXX points. 
I immediately called XXXX to find out how to contact TD Bank as I did not even have an account number or phone number for them. 
I called TDBank and talked with a very nice lady who told me they had the wrong address so the paperwork was never mailed to me. 
I paid what she stated I owed at that point ( {$310.00} ) which could not have been correct, but I paid it trying to fix this mess. She did refund a late payment fee. 
She did state that they had both home and cell numbers and email correct on our application. 
I asked about fixing the credit file, and she said it would have to be the Senior Credit XXXX, so I filled out their paperwork, and filed it with TD Bank. 
I received a letter from TD Bank last month and they will not remove the late notice on my credit file. 
I am refinancing my home now, and this will affect my payment by thousands of dollars over the period of XXXX years due to their mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-08 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to address a significant discrepancy on my XXXX  auto loan account. It has come to my attention that ally reported my car loan as delinquent for the month of XX/XX/year>. However, this claim is inaccurate. 

The payment for XX/XX/year> was taken out of my account. Subsequently, I received a reimbursement check from XXXX, with the explanation that the payment had been canceled. 

I have already provided proof that my account was reimbursed for the payment amount in question. Specifically, I received a returned payment check for the amount ally claim was never received. XXXX  team acknowledged this reimbursement during our previous communication, yet the delinquency status remains on my account.

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 2025-01-08 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: NY

Complaint narrative:
I am writing to address a significant discrepancy on my ally auto loan account. It has come to my attention that ally reported my car loan as delinquent for the month of XX/XX/year>. However, this claim is inaccurate. 

The payment for XX/XX/year> was taken out of my account. Subsequently, I received a reimbursement check from XXXX, with the explanation that the payment had been canceled. 

I have already provided proof that my account was reimbursed for the payment amount in question. Specifically, I received a returned payment check for the amount ally claim was never received. XXXX  team acknowledged this reimbursement during our previous communication, yet the delinquency status remains on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: NY

Complaint narrative:
I am writing to address a significant discrepancy on my ally auto loan account. It has come to my attention that ally reported my car loan as delinquent for the month of XX/XX/year>. However, this claim is inaccurate. 

The payment for XX/XX/year> was taken out of my account. Subsequently, I received a reimbursement check from XXXX, with the explanation that the payment had been canceled. 

I have already provided proof that my account was reimbursed for the payment amount in question. Specifically, I received a returned payment check for the amount ally claim was never received. XXXX XXXX acknowledged this reimbursement during our previous communication, yet the delinquency status remains on my account.

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 2025-01-08 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: AZ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-01-08 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: NE

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 2025-01-08 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: AL

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 2025-01-08 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: NJ

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-01-08 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: Continental Finance Company, LLC
State: NJ

Complaint narrative:
There are XXXX hard inquiries on my XXXX account for XXXX XXXX XXXX dated XX/XX/XXXX. The other is XXXX XX/XX/XXXX. These are fraudulent and do not belong to me. I do not fill out any applications for these companies. I have reported to the bureau, but no luck on resolution of these fraud hard inquires. 

There is also a credit card account that does not belong to me. Celtic Bank ( Continental Finance Company ) XXXX Celtic Bank Account open XX/XX/XXXX closed XX/XX/XXXX. This is a fraudulent account and wish to have this removed from my credit file. The account is listed on all XXXX credit bureaus ( XXXX, XXXX, XXXX ). I need help in this process. 

In addition, there is a new account on all XXXX credit bureaus I'm requesting to dispute. XXXX XXXX dated XX/XX/XXXX. I do not recall this account and need assistance in deleting.

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 2025-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Bank called me at my work and they have to call the main number and asked to be transferred to me I cant accept personal calls at work I told the representative I couldnt talk and the representative continued saying she needed to talk to me I explained I can not take personal calls and also stated I do not authorize to be contact at work

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 2025-01-08 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX FL XXXX ATTN : XXXX XXXX XXXX XXXX XXXX ID : XXXX XXXX XX/XX/year> Dear Formal Compliant Team, XXXX XXXX XXXX NAVY FEDERAL CREDIT UNION XXXX XXXX XXXX XXXX, VA XXXX ACCT Number XXXX : Dear Consumer Complaint Division : On [ XX/XX/year> ], I noticed two unauthorized transactions took place without my pre-authorization by the bank institution itself based on a XXXX $ deposit that was a direct deposit from a fund account that I manage. Unfortunately, I attempted to call multiple times and reach separate departments and the Fraud department denied me and continued to deny me of my request. According to UCC Code ARTICLE 41 right to Offset : Banks may have the right to offset accounts that are not settled but there was no permission based or request for permission and this took place while I was asleep. This right does not typically extend to moving funds without permission for other purposes. 
To resolve the problem, I would like a [ refund ( or ) repairs ( or ) an exchange ( or ) store credit ( or ) explain what you want the NAVY FEDERAL CREDIT UNION has done. I would like for full remediation of the Funds to the Account. I have enclosed copies of my [ records ( or ) receipts ( or ) guarantees ( or ) warranties ( or ) cancelled checks ( or ) contracts ( or ) model and serial numbers ( or ) other documents ] about this transaction. 
I look forward to your reply and a resolution to my problem. I will wait until [ give a date ] before I contact a consumer protection agency or get other help. 
Please contact me [ at the address on this letter ( or ) at the email on this letter ( or ) by phone at XXXX. 
Sincerely, XXXX XXXX XXXX ( XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I was unemployed starting in XXXX of XXXX, I contacted Freedom Mortgage and requested a forbearance due to my unemployment, and they granted a forbearance in XXXX of XXXX. The forbearance was to last until XX/XX/XXXX. I contacted them in XX/XX/XXXX and requested to restart my payments and some payment assistance as I was now employed. On XX/XX/XXXX I received a letter stating I would only qualify for the Covid-19 Recovery modification and not the Covid-19 Advanced loan modification. The Covid 19 Recovery modification would have my payments at XXXX with a 7.375 % interest rate instead of the 3 percent interest rate I currently have and I can not afford this payment.

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 2025-01-08 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: TN

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 explanation
Consumer complaint received 2025-01-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
There are accounts that are closed on my credit report that are affecting my credit in a negative way and inquiries that I didnt authorize or recognize

Company response to consumer: Closed with explanation