vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

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 2024-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 XXXX 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 2024-10-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Using the XXXX credit card Navy Federal issued to me, I took out a cash advance of {$2300.00} on XX/XX/year>. The teller informed me the transaction would post to my account the next day and that I could pay off this amount then. In the recent past, I had always been permitted to pay my XXXX credit card prior to " posting ''. I returned the next day, XX/XX/year> to pay off the amount and the teller would not take payment. The teller said the amount still had not " posted '' to my account. Beginning XX/XX/year> Navy Federal now charges me interest on all amounts beginning the day of credit card use and daily interest charges. I am XXXX. It is unfair that Navy Federal can now refuse to take payment until an amount " posts '. Navy Federal performed the transaction. They should not be allowed to enrich themself by refusing payment prior to " posting ''. They had always allowed payments prior to posting in the recent past. There is no legitimate reason for refusing to allow payment prior to " posting ''. 
I was NEVER notified that payments prior to " posting '' would now be refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-02 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: FL

Complaint narrative:
This morning was such a shockI found inaccurate accounts on my credit report, and I have no clue why. I check my report often, but this time, I noticed discrepancies that just didnt make any sense. I refreshed my browser, hoping it was a mistake, but the accounts didnt disappear. Im asking for my documents to be thoroughly checked to resolve this issue because Im tired of the stress its causing me.

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 2024-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX, someone on XXXX XXXX XXXX car rental said that they can provide me a rental car, and i can pay them {$300.00} deposit and the rest of the payment is due when i meet them in person with the car at the airport. So I initiated the XXXX transfer on XX/XX/XXXX, {$300.00} to the scammers XXXX account XXXX. it was pending for review. So On XX/XX/XXXX, I called the Bank of America XXXX department and want to know if this is scam, why is it under review and whether I should move forward. A representative named XXXX told me that this might be suspicious but cant say they are a scam, its flagged maybe because I m travelling in a new location. And when I ask if I move forward and this turn out to be a scam, will I get my fund back, she said yes I will just need to call them and I will be able to retrieve the fund. So I went forward, and later when I land in the airport, the rental car guy is a no show, so I realised its a scam. And when I call Bank of America fraud back, they told me they couldnt return the fund to me. They said they could get the XXXX involved to help me because the representative was promising me wrong information. But so far, no one reached out to me yet. And I tried to call Bank of America again, they just put me on XXXX hold and didnt get me any help.

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 monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was shocked to see incorrect accounts on my credit report this morning, and I cant figure out how they appeared. I check my credit report regularly, but this time, there were discrepancies that didnt make sense. I refreshed my browser to see if it was an error, but the inaccuracies stayed. I hope the documents Ive provided are thoroughly reviewed so I can finally have peace of mind.

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 2024-10-02 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: NC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I recently discovered this parked debt account on my XXXX credit profile. NOTE This is your only opportunity to have that information removed and blocked. I was not previously given an opportunity to dispute this alleged debt. However I do know that failure to dispute does not constitute a admission of liability by me according to the law which you have violated by putting this alleged debt on my credit profile and i feel like im being extorted into paying something. I believe this accounts to be inaccurate and falsified. this must be unauthorized charges using my social and you are posting this stuff on my credit profile. I have no intention on paying this alleged debt that have not been verified with me that they are my responsibility. Under GLBA you are supposed to have my consent to share my private financial information with 3rd parties and I DO NOT CONSENT TO THIS by your company. I am not aware that i have any contracts with you. This is considered unauthorized use of credit which i received no benefit from. This is also a direct violation of TILA / FDCPA and is considered harassment and furnishing false and misleading information to 3rd parties AND its being done without my consent to do so. Please do understand that this is a refusal to pay and a cease and desist of collection notice for any efforts thru any medium including credit reporting and unfounded litigation, unless you can provide ALL of the following items so that i XXXX verify responsibility of this debt. 1. Please provide the SSA-89 form that was used to verify authorization to open an account 2. Please provide all correspondence records for the accounts. 3. Please provide the applications with the original creditor that verifies this accounts as belonging to me. 4. Please provide any other documents provided by the original creditor that verifies the accounts belongs to me. 5. Please provide verification of whether or not this accounts were assigned or purchased by your company. 6. Provide the Regulation F Disclosures. 7. Provide the GAAP Accounting for this accounts so that I may verify the creditor/credits/debtor/debt on the account. I need all of the above in order to do my due diligence on this matters. Please do note that i am prepared to take this to court if you continue to violate me under TILA and FDCPA and your company already has been in trouble for this violations and unfair practices multiple times with CFPB and FTC. Please note that given the urgency of this matter, I expect response in a reasonable time frame which would be 5 business days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
Subject : Cease and Desist Collection Efforts and Delete Nonpublic Personal Information Dear Jefferson Capital Systems, I demand an immediate cease and desist on all collection efforts regarding my account. I have filed an Identity Theft claim with the Federal Trade Commission ( FTC ) against your company due to the unauthorized sharing of my nonpublic personal information. 
As I have made you are aware, XXXX and XXXX provided you with information related to a canceled debt that can not be collected on and is now considered my income, as evidenced by the 1099C filed in XXXX. Your inability to provide a sworn affidavit stating that XXXX XXXX did not write off this item as a loss and claim it on their XXXX taxes renders your furnishing incomplete and inaccurate. 
This is a strong form of Identity Theft. Your company has furnished false information, attempting to extort payment from me, causing reputational and financial harm without verifying the information from all parties involved. You have no written contract with me and have not obtained my consent to share my nonpublic personal information. 
I demand that you : Immediately cease all collection efforts. 
Delete and destroy all nonpublic personal information related to me. 
Stop reporting this false debt to credit bureaus. 
I demand immediate compensation of {$25000.00}, comprising $ XXXX for 10 months and {$5000.00} in damages for harm to my credit score and reputation. 
Failure to comply with these demands by XX/XX/XXXX, will result in further action, including filing a comprehensive complaint with the SEC and placing a lien against the surety bonds of Jefferson Capital Systems, XXXX XXXX, and XXXX XXXX XXXX XXXX 
Sincerely, XXXX XXXX XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: FL

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payments were made on time, which falls within the creditors standard 15-day grace period. Therefore, the account should not have been reported as 30 days late. 
Clerical error by XXXX XXXX : Upon reviewing my account, I identified that my payments, which were made on time, were incorrectly processed as late due to a system error on the creditors part. This error led to the account being reported as delinquent without proper cause. 
Evidence Provided : I have attached my bank statements and payment confirmation emails showing that the payment was processed, clearly demonstrating that no 30-day late payment should have been reported. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 2024-10-02 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: FL

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payments were made on time, which falls within the creditors standard 15-day grace period. Therefore, the account should not have been reported as 30 days late. 
Clerical error by XXXX XXXX : Upon reviewing my account, I identified that my payments, which were made on time, were incorrectly processed as late due to a system error on the creditors part. This error led to the account being reported as delinquent without proper cause. 
Evidence Provided : I have attached my bank statements and payment confirmation emails showing that the payment was processed, clearly demonstrating that no 30-day late payment should have been reported. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 2024-10-02 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:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: WA

Complaint narrative:
I tried sending two letters, one certified in XXXX to the address listed on my XXXX credit report. Both items were returned to me and the incorrect address is still listed on XXXX. Im unable to properly dispute an alleged collection due to their inaccurate frankly misleading information. Ive attached certified tracking and proof Ive tried to address 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 2024-10-02 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: WA

Complaint narrative:
I tried sending two letters, one certified in XXXX to the address listed on my XXXX credit report. Both items were returned to me and the incorrect address is still listed on XXXX. Im unable to properly dispute an alleged collection due to their inaccurate frankly misleading information. Ive attached certified tracking and proof Ive tried to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: FL

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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