vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX/DOFED Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( 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 non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I recently pull my XXXX XXXX consumer report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting early warnings i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies. so they told me to dispute all the fraudulent accounts before I can open a account with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I was in a car accident on XX/XX/XXXX and my vehicle was totaled. I worked with insurance to pay the vehicle loan off. Under my insurance claim, XXXX checks were coordinated with the bank and then issued by XXXX on XX/XX/2024 and sent to Huntington National Bank for the total loan payoff amount to release the title. On XX/XX/XXXX and even exactly XXXX day after my loan due date, I called in to customer service to check on the status of the loan payoff as my loan was not delinquent and I wanted to avoid negative credit reporting and fees. Per my discussion with a customer service representative, they informed me that there would be no issue with billing, and that I should not take any action on my loan or make any payment myself. 

However, I received a notice on XX/XX/XXXX that my loan was sent to collections, I received a {$35.00} fee, and a negative credit reporting result as they reported my loan account delinquent. The information provided by the customer service representative misled me. The outcome was unfair and deceptive. I paid the loan off in full later that same day on XX/XX/XXXX, inclusive of the {$35.00} fee. On that same day I also disputed the fee, and I disputed the negative credit reporting, on account that the actions taken by the bank in misleading and then punishing me caused me harm and could not be reasonably avoided by me, since I was following the direction of the bank representative. 

In answer of my dispute, I received a letter on XX/XX/XXXX, which was dated XX/XX/XXXX, that the information reported to the credit bureaus was accurate. First, I do not doubt the information is accurate and that was not the nature of the dispute. Second, I disagree with the bank 's decision to charge me a fee and to report the negative credit information anyway as the whole situation was unfair to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've reached out to the company/ credit bureaus requesting a signed agreement between me and the creditor that is reporting on my credit report. They have not yet to properly verify this debt and I am requesting that it be removed from my credit report. 

XXXX XXXX XXXX Credit Bureaus XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Amounts {$2700.00} / XXXX This company only send me a bill no signed contract. 

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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( 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 non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
XX/XX/XXXX I was on a XXXX call with XXXX and was offered a service of a lead generation system. There was a charge for {$290.00} which I agreed to and charged on my XXXX credit card provided by Goldman Sachs. This was also paid by myself. XXXX moderator was also trying to sell additional services at {$5000.00}. I was interested but did not move forward or agree to any terms. I did not not sign any contract or receive any services. However, on XX/XX/XXXX XXXX charged my card for {$5000.00} without my permission. Once this charge was placed on my account, I was notified by email and text. I quickly contacted the company and they began the dispute.I contacted the company to tell them to remove. They agreed in phone conversation and text to refund me, but never refunded my card. I have had a total of 4 disputes each taking roughly 90 days to " review and investigate the transaction '' Each time the company would say they would disclose to me the evidence that was provided by XXXX to validate the charge. Nothing was ever given and each investigation ended with the same result. I provided them a text conversation from XXXX stating they would refund me, but Goldman Sachs did not think that was good enough evidence.As of today XX/XX/XXXX almost a year later, Hours on the phone with Reps, months of waiting for a decision. I received the 4th decline letter this morning, and again with no evidence or reason why!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

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

Company 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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DE

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

Company 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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Review credit reports and found a discrepancy of a store credit never applied for never used by me identity theft. Previously file identity theft reports as well as supporting documents from local agencies. This conns credit was never used or ever been applied for by the complaintant. This credit account is demanded to remove.

Account Number on credit file 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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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 NumberXXXX  Account Name : XXXX XXXX Account NumberXXXX  Account Name : XXXXXXXX XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX  XXXX Account NumberXXXX Account Name : XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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 NumberXXXX  Account Name : XXXX XXXX  Account NumberXXXX  Account Name : XXXX XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX  XXXX Account NumberXXXX  Account Name : XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
There is a collection account on my credit report from LVNV FUNDING LLC which lists XXXX XXXX XXXX XXXX as the original creditor of the account. I don't recall having an account with your company. Can you please send debt validation for the account number XXXX. I will need to see the original contract bearing my signature because my information was compromised in the XXXX data breach. I will also need to see the forward flow agreement along with correspondence informing me that the account was being sold. If I had this, I would have known about this account and could have disputed sooner. Please inform me as to what the balance is and how much the account was sold to LVNV FUNDING LLC. If you can not provide all of the information requested, and if you have not done an investigation into the XXXX data breach claim when I have already provided my claim number then please contact the collection agency and have them remove this account due to inaccurate reporting. XXXX XXXX XXXX  and LVNV run the risk of being taken to small claims court per violation of the FCRA and FDCPA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
Please see Court filed Complaint attached, after XXXX XXXX of Mr. Cooper falsely claimed there was no error in inaccurate payment allocation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I am a long term victim of id theft. This is onmy credit reports and Ive had to do other fraud claims with Wells Fargo they were excellent with no issues. The claim on question totaled a little over {$900.00} my entire XXXX check last month almost. At no time did I request the bank to issue what they say is a temporary credit to my account. The bank did that and made that choice. They GAVE me the money I did not request it. Further they never sent letters or status of the claim on previous claims an investigation usually take around 3 months Howevwr this one was completed in days. With no notice of outcome mailed to me. Further when my XXXX check went into the banks they removed the entire check due to theee reversal of the fraud claim. This is against federal law. My XXXX check is protected from any debt collections. The bank is allowed to collect an overdraft fee if I caused it per law. I didnt request the money it was given to me and I didnt reverse a valid fraud claim. I have called all the way to the executive offices they dont m know federal law and can not provide me with the evidence of me or someone I know using my card for a few months? Ok if they are looking at it and have it theres no reason it couldnt be show to me. They have violated multiple federal laws and left a XXXX man loosing his home no power and no food and they do not care

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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 XXXXXXXX Account NumberXXXX  Account Name : XXXX XXXX  Account NumberXXXX  Account Name : XXXX  Account NumberXXXX  Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief