vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-24 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:
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. Acct : THE BUREAUS 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of inquiries below has violated my federally protected consumer rights. Inquiry : XXXX  XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years

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 2024-12-24 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: CA

Complaint narrative:
I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$3800.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 


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 2024-12-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I had a Certificate of Deposit with Navy Federal Credit Union that matured on XX/XX/XXXX. I submitted instructions upon the maturity date to cash out and transfer to my money market savings account with Navy Federal. Rather than cash out my certificate given my instructions, they rolled over the account into a new certificate and are asking me to pay a penalty that increases every day in order to retrieve my funds. On XX/XX/XXXX, I made one more attempt to move my funds to my savings account, but no response or action was received from Navy Federal. I made another attempt to contact Navy Federal to cash out my certificate on XX/XX/XXXX, and they responded the same day, asking for a {$45.00} fee to close the certificate. I responded on XX/XX/XXXX informing of their error, asking to close the account without paying a fee. They responded the same day and declined my request, stating that the fee was now {$50.00}, neglecting to confirm my previous instructions were received. On XX/XX/XXXX I clarified that my instructions for cashing out were submitted prior to the maturity of the CD, yet their response later in the day confirmed that they were not willing to waive the fee that was wholly caused due to their error.

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 2024-12-24 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: PA

Complaint narrative:
Hello, I am requesting an investigation into these accounts as there seems to be some confusion regarding their accuracy on my credit report. These accounts were removed previously but have been added back without my knowledge. I was not notified of their reappearance, nor have I received any mail about this matter.

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 2024-12-24 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:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: NY

Complaint narrative:
The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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 Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2024-12-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Clark County Collection Service
State: NV

Complaint narrative:
I checked my XXXX XXXX account and noticed that I was billed from a collection agency titled : Clark County Collection Services for the amount of {$1200.00} and the account was opened back in XX/XX/XXXX. Once I noticed this charge on my credit report I contacted the agency and made them aware that I was currently not employed and did not have any income to my name and could not borrow from a family member. The gentleman handling this was very unsensitive to my situation and his exact words was, " You can't just go borrowing money from companies and not pay them back, that's why we are involved now and if this debt isn't collected we will sue you and take possession of all your items and garnish your wages. '' Started working again and same gentleman called me and at that time I expressed to him I tested positive for XXXX  XXXX and could not go down to the court to make an appearance to discuss this debt. I than recovered and started working for XXXX XXXX XXXX XXXX and tried to set up a payment arrangement with the same guy and he told me, " There is no payment arrangement he can grant me at this point because they have exhausted all attempts to collect the debt from me and I was responsible for paying the full amount and that he sent documents to my employer XXXX XXXX XXXX and to XXXX in attempt to collect the debt to start garnishing my wages I believe. He than told me I needed to contact the court because I could make a payment on the account and it still doesn't halt any court fees etc. I contacted the court several times with no feedback in regard to me making a payment arrangement and me letting the court know I never received any court documentations in regard to this debt and I should be forgiven for all filings because documents still haven't became available as of XX/XX/XXXX. They aren't willing to work with during the time I lost my job, during the time I caught XXXX, and now they want to garnish a XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: IL

Complaint narrative:
Formal Dispute for Inaccurate Credit Reporting under FCRA 611 To Whom It May Concern : I am writing to formally dispute inaccurate and inconsistent information reported on my credit file maintained by Experian. These errors violate my rights under the Fair Credit Reporting Act ( FCRA ) and require immediate investigation and correction. 

The following accounts contain inaccurate information : XXXX. XXXX XXXX XXXX - Account Number : XXXX - Issue : - Reported as Collection Account with {$600.00} past due, but status conflicts with XXXX and XXXX. 
- FCRA Violation : Reporting conflicting and unverifiable information in violation of FCRA 623 ( a ) ( 1 ). 

XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX - Issue : - Reported as Closed Auto Loan with balances of {$11000.00} and {$9200.00} on different reports. 
- Date discrepancies : Opened XX/XX/2021, and XX/XX/2021.

- FCRA Violation : Reporting inconsistent balance and date information in violation of FCRA 611 ( a ). 

XXXX. XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX - Issue : - Reported as Secured Card with {$24.00} balance after closure. 
- FCRA Violation : Failure to maintain accuracy under FCRA 623 ( a ) ( 1 ). 

XXXX. XXXX XXXX - Account Number : XXXX - Issue : - Reported as Closed Credit Card with a {$130.00} balance still remaining. 
- FCRA Violation : Unverified and misleading balance reporting violates FCRA 605 ( b ). 

Requested Resolution : - Investigate and verify each disputed account with the original data furnisher. 
- Remove or correct all errors within 30 days, as mandated under FCRA 611. 
- Provide a written summary of the investigation results and verification sources. 
- Delete unverifiable information, as required under FCRA 611 ( a ) ( 5 ) ( A ). 

I expect a response within 30 days of receipt as required by law. Failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and escalation through legal channels. 

Sincerely, 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 explanation
Consumer complaint received 2024-12-24 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, and XXXX credit reporting agency , block and delete information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of account appearing on my consumer fico credit report which I do not recognize as reported and which th result of identity theft and fraud. I am also a victim of the data breach and would like this account mentioned to be blocked and deleted pursuant to 15 U.S.C 1681c-2 ( a ) : XXXXXXXX XXXX  XXXX. This account have resulted in fraudulent inquiries as well as collection appearing on my consumer fico report. I demand the aforementioned fraudulent item be removed from each consumer reporting agency and all collection activity cease pursuant to my rights under the FCRA and FDCPA laws.The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-12-24 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, and Equifax credit reporting agency , block and delete information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of account appearing on my consumer fico credit report which I do not recognize as reported and which th result of identity theft and fraud. I am also a victim of the data breach and would like this account mentioned to be blocked and deleted pursuant to 15 U.S.C 1681c-2 ( a ) : XXXX XXXX XXXXXXXX. This account have resulted in fraudulent inquiries as well as collection appearing on my consumer fico report. I demand the aforementioned fraudulent item be removed from each consumer reporting agency and all collection activity cease pursuant to my rights under the FCRA and FDCPA laws.The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
XXXX XXXX has sent this to collection agency to collect without showing validation of the debt. there was no authorization given by me to release my personal information which has been reported to all my bureaus. this account needs to be deleted from my credit reports.

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 2024-12-24 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: FL

Complaint narrative:
I am filing this complaint regarding an erroneous account reported on my credit file by XXXX 

This account, which I did not authorize or open, is the result of identity theft. I have never applied for or held any personal or student loans with this creditor. 

Supporting evidence, including police reports and an FTC Identity Theft Affidavit, has been provided in previous communications. Despite my repeated efforts to resolve this issue, this fraudulent account continues to be reported inaccurately, causing undue harm to my credit profile and financial stability

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 2024-12-23 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

My information has been exposed in the data breach which seems to have resulted in the opening of multiple fraudulent accounts without my knowledge or consent. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, a credit card account opened by XXXX XXXX XX/XX/XXXX. And XXXX XXXX XXXX XXXX XXXX where the original creditor was XXXX opened on or around XX/XX/XXXX and XXXX XXXX account opened on XX/XX/XXXX. I also do not recognize XXXX XXXX XXXX, where the original creditor was XXXX XXXX opened on XX/XX/XXXX. These accounts have resulted in several fraudulent accounts and collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or collections as reported. The aforementioned accounts, and collections inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and collections, are the result of identity theft and fraud. 

I have attached a copy of my identification, and my FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: CA

Complaint narrative:
I have previously filed a complaint with the FTC regarding these negative accounts, but they are still present. It's been a while since I took action, and so far, there has been no resolution. Additionally, I received a letter from the credit bureaus stating that I am not responsible for sending the letter to them, which is incorrect. I am the one who should send my letter

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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have previously filed a complaint with the FTC regarding these negative accounts, but they are still present. It's been a while since I took action, and so far, there has been no resolution. Additionally, I received a letter from the credit bureaus stating that I am not responsible for sending the letter to them, which is incorrect. I am the one who should send my letter

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 2024-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am a victim of identity theft I notice an account was open in my name without my knowledge or consent in the amount of {$1500.00} and {$200.00} I have filed a police report with the local sheriff office and willing to pursue legal action

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: Credit Karma, LLC
State: TX

Complaint narrative:
Credit Karma, via their app, told me I was pre approved for a credit card but when I applied for the card, I was denied. Today I hear there was a settlement for this issue for people who previously signed up. Credit Karma did this to me less than 2 months ago which decreased my credit score. I wanted to let yall know they are still doing the EXACT SAME THING despite them agreeing to settle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am a victim of identity theft I notice an account was open on my credit report in the amount {$980.00} without my knowledge or consent I have filed a police report with the local sheriff office, and I will pursue legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My identity was stolen in XXXX several accounts were open in my name. I believe it was my son which whom I share the same name. I have filed a police report when these identity issues started occurring.

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