vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I reviewed my Consumer Report and noticed that I have a few late payments on an account I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late for the account XXXX  ending in XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof cant be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: MA

Complaint narrative:
XXXX XXXX Unauthorized account and use XXXX XXXX XXXX unauthorized hard inquire XXXX XXXX XXXX XXXX MA I never lived here at this address

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 2024-09-29 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: MA

Complaint narrative:
XXXX XXXX Unauthorized account and use XXXX XXXX XXXX unauthorized hard inquire XXXX XXXX XXXX XXXX MA I never lived here at this address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of Identity Theft and pursuant to FCRA Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report. It will also make sure that these debts do not reappear on the credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. A copy of these sections is enclosed, and pursuant to FCRA 605B ( 15 U.S.C.1681c-2 ) Block of Information Resulting from Identity Theft, except as otherwise provide in this section a, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulted from an alleged identity theft, NOT LATER THAN XXXX BUSINESS DAYS after the date of receipt by such agency of. 

PLEASE REMOVE ALL ACCOUNTS LISTED : 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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> To Whom It XXXX Concern, This letter is a formal complaint that you report inaccurate and incomplete credit information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : XXXX XXXX XXXX XXXX  Account Number XXXX Please remove this information on my credit report. 


XXXX XXXX XXXX XXXXXXXX XXXX Account Number XXXX Please remove this information on my credit report. 




XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Account Number XXXX Please remove this information on my credit report. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Account Number XXXX Please remove this information on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number XXXX Please remove this information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number XXXX Please remove this information on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number XXXX Please remove this information on my credit report. 


In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) 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 ( 15 ) days of the completion of your re-investigation. 

Thank you, 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 2024-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC

Complaint narrative:
On XX/XX/XXXX, I tried to send money from XXXX to XXXX from the MoneyGram app, for which I used my credit card ; After having entered my bank details in the application, an advertisement appears warning me of an error and to try again, so I followed this guidance for 3 times, then it appears that I have reached the maximum number of attempts, after which I log in to the account. my bank and I realized that the money had been discounted ( XXXX clp ) in each of the attempts made. I immediately contacted my bank who recommended that I contact Moneygram because they actually withdrew the money from my card. I have communicated since that date with this company through multiple means and the situation has not yet been resolved. I would be grateful if you could help me solve this problem as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank closed my.account, being a loyal customer for more than XXXX years. I was on the phone for days, they just put me on hold and transfer me to different departments, no one give me any explanation about closing my account, they said just wait for a letter to arrive in the mail. The letter came after XXXX weeks still there wasn't any explanation. After XXXX month, I'm still waiting to receive my funds.

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 2024-09-29 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: MA

Complaint narrative:
I recently reviewed my credit report, and noticed that a new Inquiry was posted on my report fraudulently On XX/XX/year> from XXXX, please remove

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 2024-09-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear XXXX or XXXX This is Information on my consumer report that is a result of fraudulent activity. I want to remove fraudulent hard inquiries from credit report : I was shopping for a car, they just asked for my driver license and social security number to see what I can be pre-approved for, I can not recall I did if I did a hard inquiry, I did not provide written permission or instructions for the identified inquiries to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to request to block the identified inquiries. The identified inquiries are not information related to any transaction made by me as the consumer : XXXX XXXX XXXX XX/XX/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 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 Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MN 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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Transunion, I am a victim of a data breach. Please block this information from my credit report within XXXX business days, pursuant to section 605b of the Fair Credit Reporting Act ; XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$9500.00}. 
XXXX XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$18000.00}. XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$18000.00}. XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$19000.00}. XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$13000.00}. 
Collection account from XXXX XXXX with account # XXXX and a balance of {$34000.00}. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. 

Thank you for your assistance.

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 2024-09-29 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Issues with financial aid services
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I was convicted of aiding and abetting armed robbery by the US Southern District of New York on XX/XX/XXXX and was sentenced to three years of home detention which was an incarceration. Under the Student Loan laws while under home detention you are incarcerated. An incarcerated student is not eligible to take out student loans and my school knew this about my status and lied and forged documents to enable me to qualify for the private student loans with Sallie Mae even though I was not eligible. When I filed for bankruptcy in XXXX my loans automatically qualified for discharge under this law. I pointed this out to Sallie Mae and they quickly transferred my loans to Navient. And under the 20 U.S.C. 1091 ( b ) ( 5 ). I was not eligible for the loans and should have been automatically discharged during my Bankruptcy filing in XXXX. Navient refused to follow the law and ruined my credit for many years took payments from me that were made under a fraudulent lending agreement that put me in poverty for over 15 years and still haunts me to this day. I should be included in the XXXX settlement and all my loans should be canceled and my payments returned as I did not qualify for the loan in the first place and was automatically eligible for bankruptcy discharge. My mother co-signed the loans XXXX Cousins who also should have qualified for bankruptcy discharge in XXXX and was denied as my co-signer and her credit suffers and continues to suffer today because of the loans that originated illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear TransUnionXXXX or XXXX This is Information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I Am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to request to block the identified transactions. The identified transactions are not information related to any transaction made by me as the consumer : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Transunion : XXXX, XXXX : XXXX, XXXX : XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) Transunion : XXXX, XXXX : XXXX, XXXX : XXXX XX/XX/XXXX {$110.00}

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 non-monetary relief
Consumer complaint received 2024-09-29 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: CA

Complaint narrative:
XXXX XXXX XXXX  XXXX ACCT # XXXX OPENED DATE : XX/XX/2024 XXXX XXXX XXXX  XXXX ACCT # XXXX OPENED DATE : XX/XX/2024 XXXX XXXX XXXX XXXXXXXX ACCT # XXXX OPENED DATE : XX/XX/2024 These items where already successfully deleted from credit reports but agency reported them as collection illegally this time

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I needed to get some dental work done, So, my oral dental surgeon suggested that I apply for a Care Credit card from Synchrony bank. I opened up the account around XX/XX/year> and I believe that my credit limit was originally {$11000.00}. Their interest free promotions up to a certain time and ridiculous fees along with statements concerning my account have always been confusing. I have increased my payments over a period of time and have paid a total of {$12.00}, XXXX dollars, but havent seen one dime go towards my balance. I noticed they added a {$160.00} dollars monthly fee for some type of card safety and I dont remember requesting it or agreeing to it. Even though I have been paying pretty much consistent payments since 2021, synchrony bank damaged my credit by reporting me 90 days late because I cant afford to pay all of these outrageous interest charges and fees which made my monthly bills a lot higher than the XXXX /month that I have been paying over the last year or so. I feel like I signed up with a loan shark company who does predatory lending. This has been a nightmare to have my credit damaged, have paid a significant amount of money and the latest statement from synchrony bank is showing that I owe them close to {$16000.00} dollars!!! This ridiculous amount is all fees and late charges!!. If I were to pay the XXXX plus the XXXX dollars already paid, they would receive XXXX dollars for an original credit of XXXX dollars!!. It doesnt make sense. Synchrony bank emails me almost daily and phone calls are frequent. I have called and spoken with representatives and have asked about the fees on my statement which are not clear and have not received any resolution. The interest rate is XXXX percent and what they say I owe is steadily increasing, I feel like they want me to pay them money for the rest of my life! They have a lot of complaints against them, why are they allowed to do these predatory practices against hard- working citizens who are working to make ends meet for daily living expenses. I am requesting an investigation into my account please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: RI

Complaint narrative:
These Hard Inquiries don't belong to me. It hasn't being authorized by me and it has to be removed. 
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 2024-09-29 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
In XX/XX/XXXX, I vacated my apartment at XXXX XXXX in XXXXXXXX XXXX Since moving out, I received communication from a third-party debt collection company, National Credit Systems , claiming that I owe a balance of {$4900.00}. I have never conducted business with National Credit Systems, nor did I authorize them to have access to my personal information. 

On XX/XX/XXXX, I sent a cease-and-desist letter to National Credit Systems requesting them to stop all communications and provide validation of the debt, including proof that this debt is mine. I also questioned how they obtained my personal information without my consent. The collection company responded on XX/XX/XXXX, by providing a breakdown of charges from XXXXXXXX XXXX  but did not sufficiently address my concerns regarding how they acquired my information. 

I have since disputed the debt, as I believe I do not owe the claimed amount. The charges seem excessive, and I am unsure why my account was sent to collections. I have not received proper documentation to validate the debt, and the collection agency continues to pursue me without a clear resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 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: RI

Complaint narrative:
These Hard Inquiries don't belong to me. It hasn't being authorized by me and it has to be removed. 
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 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
I noticed on my XXXX XXXX XXXX that this company has never collected from me and accessed my credit report without my permission : XXXX Collections TRANSWORLD SYSTEMS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief