vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Transform Credit Inc.
State: UT

Complaint narrative:
They were to have canceled a XXXX XXXXr account and stop taking from my checking account but they continue to take money and send the same email when I request they stop and refund my money. 
Email from XX/XX/2024 yet they continue to take money from my account : However, your XXXX account has been canceled, so no further payments will be taken. If you wish to set-up a new XXXX account, you can do so here XXXX XXXX  XXXX. XXXX is a fantastic stepping stone towards seeing the benefits of an improving credit score, without the responsibility of taking on a big financial commitment. You can find out more about XXXX here : XXXX  Transform Credit can still help you access funds of up to {$10000.00} with the help of a cosigner. You can always access your application here XXXX XXXX XXXX XXXXXXXX If you need help, please let me know. 

Many thanks, XXXX, Transform Credit

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian Credit Bureau XXXX XXXX XXXX XXXX, TX XXXX Subject : Final Demand for Compliance with Opt-Out Request Pursuant to 15 UCC 6802 Dear Sir/Madam, I am writing to you regarding a matter of utmost importance concerning my consumer rights and obligations under the Uniform Commercial Code ( UCC ). As per my Opt-Out Notice pursuant to 15 UCC 6802, I have formally requested the removal of reported information from XXXX XXXX from your records.

Despite multiple requests made by me, XXXX XXXX, Experian Credit Bureau has failed to comply with my lawful request to remove the reported information from XXXX XXXX. It is evident that your refusal to adhere to my request constitutes a clear violation of both my consumer rights and the UCC law.

I hereby issue this final demand for Experian Credit Bureau to immediately cease and desist from any further delay or refusal to remove the reported information from XXXX XXXX in accordance with my Opt-Out Notice. Failure to comply with this final demand will leave me with no choice but to take legal action against Experian Credit Bureau for blatant violation of my consumer rights and the UCC law.

I trust that you will treat this matter with the urgency and seriousness it deserves and take immediate steps to rectify the situation. Please acknowledge receipt of this final demand and confirm your compliance with my Opt-Out Notice within XXXX  Days. 
Thank you for your prompt attention to this matter. Sincerely, 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 2024-03-06 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: PA

Complaint narrative:
I just received my payment status changed from current to late for specific dates. These dates include XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XXXX XXXX i was never late on this account during those periods. 
I asked the company multiple times to provide evidence of any transactions showing that you were late. This is a reasonable request, especially if you believe their reporting is inaccurate. In referenced USC 15 1666B, which is a provision in the U.S. Code related to the timing of payments. The 15 U.S. Code 1666b outlines the timing of payments for credit card accounts under open-end consumer credit plans .Please investigate and provide proof and or statements showing that these late payments was late if proof can not be provided i demand these payments be update as current and paid on time

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 2024-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I reported fraud on my checking account with Navy Federal and they came back and said I am responsible for the fraud and that they apparently saw no fraud. I did not make those charges and I did not authorize those charges. They also couldnt even provide me with information of what they deemed it my fault. Im now negative {$1900.00} in my checking account and they will try to put it to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank
State: CA

Complaint narrative:
I XXXX XXXX contacted XXXX XXXX and XXXX XXXX XXXX i also did many police report and ftc reports showing i was a victim of id theft i also sent many police report to block the reporting information i also contacted the companies XXXX1st progress and XXXX XXXX XXXX XXXX XXXX the compaines are listed in the police report i file on online due to the covid XXXX XXXX police station only have you to do id theft online report so they can limited the traffic from their offices i also did a report to many compaines they sold my information to like XXXX XXXX  and XXXX  i been back and forth with the compaines for bout XXXX XXXX im getting the run around even those thses compianes is selling my debt they are still holding on to the debt on my credit report and not proplery beibg on honest on the report XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX had XXXX debts from on me from these companies and XXXX XXXX XXXX denied me of right i ask to block the information on my reports.XXXX  did as well and XXXX im a victim of hardship being in a XXXX XXXX i was not able to stay on top of the matter but i ask to get help from these companies taken advantage of me wile im having a hardship i almost lost my kids because XXXX XXXX XXXX denied me of my rights. 1st progress # XXXX didnt help they sent me and limbos to get to speak top some one they have many complaints from me on recored with the cfpb nothing was not done. i also have ftc report file they didnt honor as well i need help to get the matter control im not able to help my self at all and cant afford to pay the debt that other done i ask for help i also spokke to the attorney general had no luck i hoping you would get to the bottle of this i been taken advatage of from these compaines in would like some assistance i try to speakwith a few comapines but wasunable to be verify but XXXX XXXX and XXXX  said i was verify witch we all know it was not accurate .15 usc1681 ( i ) 15 usc1681 ( c )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: MO

Complaint narrative:
They froze my account due to me depositing my husband payroll check in it when he isnt on the account. I have asked them to just reject the check and they refuse to it has been 2 weeks since all of money XXXX has been frozen I havent been able to feed my kids and I just want to close my account now and get all my money but they will not let me. BMO bank

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 2024-03-06 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: TRANSWORLD SYSTEMS INC
State: UT

Complaint narrative:
Transworld Systems Inc is reporting a collection on my file that needs to be removed. They are reporting a debt for an apartment complex that I used to live at with some roommates. I moved out and turned in my keys and notified my apartment because my roommate was also supposed to be moving out later that month. However, I am unsure as to his move out date etc. I was not notified about any outstanding debt I had with them and later we noticed this. They said that this was because we never turned in keys and they thought the apartment was still occupied but it was not. I advised I spoke to the leasing agent and turned my keys in. However, they have now switched management and can't tell me exactly what happened. I am working with them but this is not my debt and it needs to be removed while under investigation under the FDCPA. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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:
I am writing to request the immediate removal of fraudulent inquiries from my credit report. Upon reviewing my credit report, I have discovered inquiries from creditors that I have no association with and believe to be fraudulent.

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 2024-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: MI

Complaint narrative:
I have called Mohela several times to find out why I am being charged interest while my PSLF is being processed ( after the XXXX payments have been certified ) and is supposed to be in administrative forbearance. I was told that even though the loan is in administrative forbearance, they will continue to charge interest. 

I have also reached out to find out why my unsubsidized loans have been forgiven ( as of XX/XX/24 ) but not the subsidized loan. I was told that I'd need to speak to an " account specialist, '' however I have spent over XXXX hours on hold after XXXX separate calls and I have still been unable to speak with anyone..

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 2024-03-06 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:
There are fraudulent accounts on my credit profile and it is affecting my livelihood. I am devastated by this. Please remove the account from my credit report as the law requires.

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 2024-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was approached by a fraudulent company XXXX XXXX posing as XXXX XXXX XXXX, legitimate loan company.They offered a line of credit for my business. They had my banks statements and all my companies info. We were looking for a long term loan and had applied so we thought it was legit. it was not, It was a scam and I wired {$23000.00} on XX/XX/2024 soon after they stopped taking my calls and never provided any funding at all, when I realized it was a scam I called JP Morgan chase and informed them that it was a wire fraud for a payment to a fraudulent company that was posing as XXXX XXXX XXXX and if they could try to retrieve the funds I spoke to Chase on XX/XX/2024. Chase said wires were final and would try to contact XXXX XXXX XXXX the recieving back and see if the would want to return the wire. A week passed and nothing so I called chase again and was informed my claim was denied and there is nothing they could do. I called XXXX XXXX XXXX and they said chase never reached out and all they had to do was request a Harmless Hold on the receiving account while they investigated. Chase denied my request a third time. They are unwilling to help recover the funds that were clearly fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
My personal information was exposed in the XXXX XXXX hack in XXXX which I became aware of when they sent me a letter informing me. This debt is not mine. In XXXX I received the first of XXXX debt collection attempts referencing a loan in XXXX, there were subsequent attempts in XXXX, XXXX, and XXXX by different debt collection agencies for the same loan. The first XXXX debt collection agencies dropped their claim after I requested a debt validation letter. The fourth agency is still pursuing the collection after having sent me a debt validation letter and have notified the credit reporting agencies which has negatively affecting my credit rating. The debt validation letter shows only my name, my former address and the last XXXX numbers of my social security number. All easily obtained by criminals.The transaction with CASHNETUSA had been done electronically and the debt collector did not provide any information as to where the money was sent ; no routing number, account number, tracking number, date cashed, bank name, address, etc. I was defrauded like so many others and have been put in the position of proving a negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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:
I am writing to request the immediate removal of fraudulent inquiries from my credit report. Upon reviewing my credit report, I have discovered inquiries from creditors that I have no association with and believe to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to express my deep concerns regarding the inaccuracies and violations of the Fair Credit Reporting Act ( 15 USC 1681 ) and the Privacy Act of 1974 ( 15 USC 6801 ) in my credit report issued by your agency.

According to the Fair Credit Reporting Act, consumer reports are supposed to exclude information solely related to transactions or experiences, as specified in 15 USC 1681 ( i ) and 15 USC 1681 ( A ) Sec 2 ( i ). However, upon reviewing my credit report, I have discovered numerous inaccuracies that do not align with this requirement, violating my rights as a consumer.

Moreover, the inclusion of such inaccurate information also contravenes the Privacy Act of 1974, particularly 15 USC 6801, which emphasizes the obligation of financial institutions to protect the security and confidentiality of customers ' nonpublic personal information. I have disputed these inaccuracies in my report multiple times, and yet they have irresponsibly been verified without any transparent procedure outlined to prove their validity.

These violations raise serious concerns about the integrity of the information in my credit report and undermine my ability to access credit and financial services based on accurate and reliable data. Should these issues persist, I may pursue legal action under the provisions of 15 USC 1681n for willful noncompliance with the law.

I demand that your agency promptly correct the inaccuracies in my credit report, provide a transparent explanation of the verification process used, and ensure compliance with all relevant laws and regulations, including but not limited to 15 U.S. Code 6802, 15 U.S. Code 6803, 15 U.S. Code 1681b, 15 U.S. Code 1681e, 15 U.S. Code 1681f, 15 U.S. Code 1681g, and 15 U.S. Code 1681i 15 U.S 1666b.

I request a timely response from your agency to address these issues and rectify the violations promptly. Failure to do so may result in further legal consequences to safeguard my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I need all Names and addresses deleted from my credit report except the name and address that will be on the drivers license and current bill that I will be attached to this complaint. Everything other than the information provided is incorrect and should not be on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: PA

Complaint narrative:
I just received my payment status changed from current to late for specific dates. These dates include XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XXXX XXXX i was never late on this account during those periods. 
I asked the company multiple times to provide evidence of any transactions showing that you were late. This is a reasonable request, especially if you believe their reporting is inaccurate. In referenced USC 15 1666B, which is a provision in the U.S. Code related to the timing of payments. The 15 U.S. Code 1666b outlines the timing of payments for credit card accounts under open-end consumer credit plans .Please investigate and provide proof and or statements showing that these late payments was late if proof can not be provided i demand these payments be update as current and paid on time

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: PA

Complaint narrative:
I just received my payment status changed from current to late for specific dates. These dates include XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XXXX XXXX i was never late on this account during those periods. 
I asked the company multiple times to provide evidence of any transactions showing that you were late. This is a reasonable request, especially if you believe their reporting is inaccurate. In referenced USC 15 1666B, which is a provision in the U.S. Code related to the timing of payments. The 15 U.S. Code 1666b outlines the timing of payments for credit card accounts under open-end consumer credit plans .Please investigate and provide proof and or statements showing that these late payments was late if proof can not be provided i demand these payments be update as current and paid on time

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 2024-03-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
I do not know this dept collection company and have never agreed to work with this company. Please provide me details of account and evidence that I agreed to work with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation