vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-22 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: FL

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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 2024-09-22 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: FL

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 XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 


XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am requesting that the account be closed and all charges be dropped. This is affecting my credit score, and I am being held accountable for charges and an account I never opened. My date of birth is XX/XX/XXXX of the year XXXX. I am providing a copy of my ID to verify that my date of birth is accurate and that I am who I claim to be. I am a victim of identity theft and did not open a XXXX XXXX XXXX. 

On XX/XX/XXXX I was made aware of a credit card having been open with the use of my social security, name, and address. I do not know the account number, only the last for digits that were stated on a statement I received in the mail. The statement stated that I must pay off the total charges of {$1100.00} made with a XXXX XXXX from XXXX XXXX. Also, on XXXX XXXX I was able to see that the account has been open since XX/XX/XXXX. I am providing screenshots from my XXXX XXXX account as proof. 

In XXXX of the year XXXX, I was still a XXXX  at XXXX XXXX XXXX. This account should have never been open in the first place due to the legal age to open a credit card being XXXX XXXX XXXX. Under the Credit Card Act of XXXX and the Truth Lending Act, the opening of credit cards is restricted to minors. I do not and have not had a job, ever, meaning that I could have never been able to provide proof of a stable flow of income. 

I have tried resolving this issue since back in XXXX, but have only been going in circles. I call almost every three days and still nothing is being done. I have also filed a report with the Federal Trade Commission and TransUnion. Not much has been able to be resolved as all the representatives I ave spoken to have told me that my date of birth does not match up with that of the account. I believe plenty of evidence proofs that this a fraudulent account and that this a case of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Debt was discharges which makes it a security of indebtedness. Security of indebtedness are considered income according to the IRS which makes it eligible for removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 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: MO

Complaint narrative:
I pulled my credit report on XX/XX/XXXX and seen some inaccurate and misleading information on my credit repotrs. This company has violated my consumer right under the FCRA. This company has also stated that they written this loan off but i never recieved a 1099C for this and im pretty sure they wrote it off to the IRS. Under 15 USC 1681 ( e ) and 15 USC 1681 ( i ) this company has violated my right and I request that this account be removed from my credit file. 
Account info Account name XXXX XXXX XXXX. 
Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$180.00} written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Original balance {$190.00} Highest balance - Terms 2 Months Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met 30 Past due 30 days 60 Past due 60 days 90 Past due 90 days XXXX XXXX XXXX Charge off XXXX  No data for this period Payment history guide Charge Off as of XX/XX/XXXX, XX/XX/XXXX Collection as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/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 2024-09-22 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: MO

Complaint narrative:
I pulled my credit report on XX/XX/XXXX and seen some inaccurate and misleading information on my credit repotrs. This company has violated my consumer right under the FCRA. This company has also stated that they written this loan off but i never recieved a 1099C for this and im pretty sure they wrote it off to the IRS. Under 15 USC 1681 ( e ) and 15 USC 1681 ( i ) this company has violated my right and I request that this account be removed from my credit file. 
Account info Account name XXXX XXXX XXXX. 
Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$180.00} written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment - Original balance {$190.00} Highest balance - Terms 2 Months Payment history XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met 30 Past due 30 days XXXX Past due 60 days 90 Past due 90 days XXXX XXXX XXXX Charge off XXXX  No data for this period Payment history guide Charge Off as of XX/XX/XXXX, XX/XX/XXXX Collection as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX 90 days past due as of XXXX XXXX  60 days past due as of XXXX XXXX 30 days past due as of XX/XX/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 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX : XXXX SSN : XXXX TransUnion LLC Consumer Dispute Center XXXX box XXXX XXXX XXXX PA XXXX TransUnion Disputes Information Center Dear Transunion I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) : 1. XXXX - Account # XXXX Delete this account because you are inaccurately reporting - This account was charged off on the following date ( XX/XX/XXXX Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 

2. XXXX - Account # XXXX Delete this account because you are inaccurately reporting - The date of the last activity, the highest balance and the date opened 3. XXXX - Account # XXXX Delete this account because you are inaccurately reporting - A lot of items inaccurate check the report on the picture Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the complete of your re-investigation. 

Regards, 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 2024-09-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
the account is charged off and it is showing a balance still. That needs to be removed. I need the assignment contract. I also need the bill the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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:
XXXX XXXX XXXX I think not mine Due to IDENTITY THEFT ACCORDING TO FCRA 605B(15.u.s.c 1681-2) AM REQUSTING A DELETION  OF THIS ACCOUNT FROME TRANSUNION REPORTING 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 non-monetary relief
Consumer complaint received 2024-09-22 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-09-22 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-09-22 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: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
My personal information what access on the black web due to date breach.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Late Open : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$4800.00}

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 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have a card with Synchrony bank which is XXXX for my XXXX. One card with Synchrony is good enough for me. They lower by spending limit every few months for no real reason. Which lowers my credit score. Synchrony recently took over the XXXX XXXX XXXX and now has decided to lower my spending limit abruptly. This again has lowered my credit score when I just got it back to XXXX. I read online this is something Synchrony does frequently. Something is just not right and this should be looked into.

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 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( same exact account as XXXX account Those accounts are fraudulent and I provided government document to prove my incarceration during these accounts being opened, I also spoke with TransUnion on XXXX and they acknowledged receiving my FTC report but never removed any accounts. 
I also have a bunch of new inquiries that are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I attended XXXX XXXX XXXX from XXXX to XXXX. Due to the amount I was paying in interest only payments to be able to avoid negative impact to my credit and my co signers credit, I was forced to filed bankruptcy in XXXX. When I filed, Navient incorrectly told me my loans were ineligible for discharge. 
Based on the recent court ruling made public on XX/XX/XXXX against Navient in the case against the CFPB it outlines that Navient should not have told me my private loans were not dischargeable. As a result, I should at minimum, have been refunded payments made on these private loans since XXXX. Navient needs to do the right thing and refund the money I paid since XXXX when these fraudulent loans went into repayment status. It is not enough that the loans were XXXX. I am suffering from irreparable damage from years of paying over {$500.00} per month in XXXX only, jut to avoid negative reporting to my co signers credit. 

Additionally, Navient mislead me about the terms and conditions of releasing my co signer on my private loans while they were in repayment. 

Navient attempted to cover up years of deceitful practices by discharging the loans under their school misconduct program but not refunding the money they erroneously took from me for XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my serious concern about several discrepancies on my credit report. Upon reviewing it, I discovered inaccuracies such as incorrect account listings, billing inconsistencies, and accounts that do not belong to me. These errors are affecting my financial well-being, and I urgently require your help in addressing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/XXXX, my wife and I applied for a pre-approval through CitiBank for a Jumbo mortgage loan. 

We sent them all documents to confirm we were pre-approved. The loan officer, XXXX XXXX, received our documents and we were told we were pre-approved. We were able to get our offer accepted and started the home purchase process on XX/XX/XXXX. Our closing date was set for XX/XX/XXXX. 

As we went through the process, we submitted additional documents for income, assets and student loan documents. 

About 2-3 weeks in, XXXX XXXX said Citi 's underwriting and credit risk team were not using my full income, although it was the same job but with a different company. They also would not accept the XXXX  loan documents ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) for her payments. Although we showed them documentation of these payments, CitiBank would not accept them and created their own calculations which we got no explanation to how they arrived at said numbers. They also only used 70 % of my Certificate assets as well. I reviewed the jumbo guidelines and found they were supposed to use 100 % of my assets. When we would call XXXX, we wouldn't get a call back for days at a time causing us to lose time which also caused the seller 's agent to threaten holding our earnest money deposit. This caused us to have to obtain a mortgage elsewhere with a much higher rate, points and closing costs. 

On XX/XX/2024, XXXXXXXX XXXX  manager, XXXX XXXX, reviewed our file in its entirety and had no explanation to why the underwriter and credit risk team made these assessments/decisions to our file. All he said was it was their decision and he would have to find out why which would take days to get answers that we could no longer afford. 

We saw just earlier this year in XXXX that CitiBank Mortgage had to pay {$25.00} XXXX in penalties for discrimination against XXXX customers and ones with XXXX XXXX XXXX. We believe they did not learn their lesson and we were also victim to CitiBank 's discrimination on our loan as well. 

We were able to obtain approval on our loan elsewhere with a much higher rate, points and closing costs. We were given the run around for about a month, causing stress and having to run our credit multiple times ( bringing our scores down ) to look for another mortgage.

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 2024-09-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I never had a contract with this debt collector for any debt. No proof was provided from the original creditor that this debt collector owns the debt and has the legal authority to collect it.

Company response to consumer: Closed with explanation