vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. Or 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 2024-02-09 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: PA

Complaint narrative:
XXXX XXXX XXXX  is saying I owe monet but never received no credit limit from them never received no money that was my own money in that account that they were generating a bill on

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 2024-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Credit inquiries for XXXX and capital one today. 

I havent had my credit run since my vehicle purchase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. Auto Credit Corporation
State: OK

Complaint narrative:
They are reporting a debt without contacting me first on my credit report they haven't spoke with me at all not through phone, not through mail or any other communication so theyre going against the fair credit act

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
Im a victim of identity theft and have a current police report on file with Chex Systems. The following inquiries viewed by others and me currently listed and showing on my Chex Systems Consumer Report ID : XXXX is fraudulent and unauthorized : 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 XXXXXX/XX/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 2024-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ZIONS BANCORPORATION
State: FL

Complaint narrative:
Today XXXX XXXX XXXX XXXX XXXX XXXX  aprox, I logged into my online banking and noticed many unathorized charges on my account made with my debit card. I noticed that is not in my possesion. 
I called the bank 3 times to order to lock my card and that was denied by them violationg the XXXX  XXXX, they just say go to a branch. 
The card remains active, and the bank didn proceed with the instruction to lock it. 
Also I need to know how to get a replacement card and open a fraud dispute on those charges.

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 monetary relief
Consumer complaint received 2024-02-09 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: EQUIFAX, INC.
State: MD

Complaint narrative:
In XXXX I asked Equifax and XXXX to investigate and verify my public record listed on my credit report. They responded saying this information is accurate and still remains on my credit. I requested an investigation report and have not received this, now I would this information removed from my Equifax and XXXX report it is hindering my future financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: OH

Complaint narrative:
I sent a XXXX $ payment thru cash app to some one and the funds were pulled from my attached bank account which was XXXX the transaction never even showed up on my XXXX account the person recieving the funds refunded them which shows on my cash app transactions. The money has never been refunded. I have asked both cash app and XXXX for a explanation which XXXX says I never sent the XXXX $ payment that I am lying and I asked them for supervisor or email to send proof of the transaction they refused to let me speak to one and cash app says the payment failed which is not possible or the person who received the money wouldn't be able to refund the money to me. 

Also on same day different phone call I had XXXX pending refunds showing on my XXXX account for XXXX $ each I called talked to a supervisor and asked specifically how many pending refunds do i have he sai XXXX for XXXX $ each I said ok there's XXXX refunds pending for XXXX $ each totaling XXXX $ correct he said yes. Then the transactions disappeared from my account. I was also told they didn't exist and that I was lying I said these phone calls are recorded correct can u go back and listen to what the supervisor said? They said no!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I was a victim of fraud with XXXX regarding another bank but instead of asking me they closed my accounts and did not send me my fundsthat were remained. I went into the bank with my police report but was turned away.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Dispute of Incorrect Personal Information on Credit Report Dear Consumer Assistance, I am writing to dispute inaccurate personal information that appears on my credit report. After reviewing my report, I have identified several errors in my personal information section. The incorrect information is as follows : XXXX. Name Variations : - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX. Address Information : - XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can confirm that the information provided above is inaccurate and does not pertain to me. I have never resided at any of the addresses listed, nor are any of the name variations associated with me. This incorrect information could potentially harm my creditworthiness and financial standing.

As per the Fair Credit Reporting Act, I request that You investigate these discrepancies and promptly remove the inaccurate information from my credit report. I have enclosed copies of documents that verify my correct personal information for your reference. 

Please provide me with written confirmation once the investigation is completed and the erroneous information has been rectified. Additionally, I request a free copy of my updated credit report once the corrections have been made. 

Thank you for your attention to this matter. I trust that you will handle this dispute promptly and efficiently.

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 2024-02-09 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-02-09 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: CA

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXXXXXX Account Number : XXXX UNUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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: CA

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NV

Complaint narrative:
My recertification date listed on my studentaid.gov site lists XX/XX/XXXX as my recertification date for my income driven repayment plan. Per the guidelines listed on the studentaid.gov site, the earliest you could be required to recertify is XX/XX/XXXX. If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by one year.. Mohela is insisting that I need to recertify my income now which is outside the Federal guidelines. I have reached out several times to Mohela to no avail. Please assist me with getting my recertification date extended to XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: CT

Complaint narrative:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-02-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
Toyota financial online payment system had a glitch and had reset my automatic payment setting without notifying me on such issue and did not take payment for that month XX/XX/2023 of {$620.00} when I had it set for automated payment setting. I tried to resolved this, and wrote them a letter to rectify matter with no response. Their website went thru technical issues and reset jet they didn't send any email, text on problem to be able to reset and enroll again in time and my credit went down because of it. From my payment history it clear I don't miss payments before XX/XX/2023 or after XX/XX/2023 when this was reported to credit monitoring companies. 
I ask for help to resolve this as my credit went down due to this negative report and no correction to be expected in 7 years. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


UNUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: LA

Complaint narrative:
XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).

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 2024-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hi I was a victim of fraud. I got frauded on XXXX XXXX. Someone that acted like Wells Fargo hacked into my account with out my permission. They acted like the bank with same number and codes they give you to make sure its you. They went into my credit cards and did a wire transfer without my permission. Not even the bank called. I called them and showed up at the branch.The amount was XXXX though my personal credit card and the other was XXXX though my business credit card. They access my credit cards got the money to my checking and then the thiefs wired it to there bank. I dont even know how if I had limits or how they do that.! Point being I filled a police report I have contacted Wells Fargo lots of timesss and have lots of case numbers and they dont fix the promblem. I am mentally drained and feel helpless the only reason I have been making minimum payments its because I dont want my credit to be affected. I have children I dont know what to do anymore thats why I am here I feel this has be so unfair. I did everything since it happen and been verrry patient.

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