vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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: MA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the XXXX breach, my personal information has been compromised, including XXXX critical findings tied to my identity within the breach.These accounts and/or inquiries were made without my knowledge or consent. Under the FCRA ( 605B ), I request these items be blocked from my credit report. Additionally, under 15 U.S. Code 1681c-1 ( protection of personally identifiable information ) and 15 U.S. Code 1681e ( b ) ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XX/XX/year> AND XXXX XX/XX/year>, HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RICGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALGO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCIONS.

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 2025-01-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Makes Cents, Inc. dba Advance.Cash
State: TX

Complaint narrative:
I call the company XXXXMakes Cents Dba advance XXXX he said I had the wrong but its attach to my credit then I called XXXX XXXX and spoke with them on XX/XX/year>. And the lady said she didnt have this information any where on my credit report online and sent to me says other wise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sherloq Group, Inc
State: CA

Complaint narrative:
Name of Company : Sherloq Type of Business : Third-Party Debt Collection Agency Address of Business : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX of the Complaint : I am filing this complaint regarding a violation of the Fair Debt Collection Practices Act ( FDCPA ) by Sherloq, a third-party debt collection agency. On XX/XX/year> I received a letter from Sherloq claiming I owe a medical debt of {$170.00}. This debt allegedly originated from XXXX in Florida. The details on the account reference a balance for an individual with a similar name and a different date of birth. 

This debt does not belong to me for the following reasons : XXXX. I am not the individual that owns the debt, the name is similar to mine. 

XXXX. The date of birth does not match mine, it is significantly different. 

XXXX. I have never lived in Florida, let alone received medical treatment at XXXX. 

XXXX. I currently reside in XXXX California and have no connection to the state of Florida or this medical debt. 

FDCPA Violation : Sherloq violated the FDCPA by failing to ensure the accuracy of the information before contacting me, a clear breach of 15 U.S.C. 1692e ( 2 ) ( A ). This provision prohibits the false representation of the character, amount, or legal status of a debt. In this case, Sherloq falsely claimed that I owe a debt that does not belong to me.

Additionally, Sherloq failed to comply with 15 U.S.C. 1692e ( 10 ), which prohibits the use of any false representation or deceptive means to collect or attempt to collect a debt. By associating me with a debt I do not owe and failing to verify their records, they engaged in deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I submitted a report to the CFPB regarding the problem with an investigation into a credit reporting issue between XXXX and the XXXX main credit bureaus. That claim number is XXXX. 

The company, Transunion, gave the below response : " After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. In response to your dispute request, we sent you a letter to inform you the information is not currently on your TransUnion credit report and included instructions on how to obtain a credit report. '' This information is simply untrue as I immediately contacted Transunion at ( XXXX ) XXXX and escalated the call to a supervisor who confirmed that the misinformation regarding the late payment to XXXX is still in my credit report as of XX/XX/XXXX. In the section of my report that reads " Late Payments last XXXX  years '' it reads ( XXXX ) late payment for 30 days. However, in the historical section of my report it has OK for every month as if no late payments have ever occurred. 

I don't know if this is an oversight or if it's intentional. However, this error and inaccurate reporting is costing me financially. Transunion has misrepresented to the CFPB, a government agency, that the information contained within my report is not present on my credit report when in fact it is.

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 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Navy Federal Credit Union ( NFCU ) has recently faced scrutiny for alleged predatory and discriminatory practices towards individuals of XXXX. My wife and I have maintained a NFCU credit card for several years with minimal debt. I applied for a NFCU rewards card, aiming to raise my limit to {$50000.00}. While NFCU approved an increase to {$33000.00}, they denied my request for the full {$50000.00} without providing a clear rationale. During my visit to NFCU for clarification on the {$8000.00} increase, I questioned why I was not granted the complete {$25000.00} increase. With an income exceeding {$300000.00}, a credit score above XXXX, and negligible debt, I found the representative 's inability to explain the denial perplexing. Although she mentioned the option to appeal, I felt that the entire process was indicative of predatory and discriminatory practices.As a XXXX XXXX veteran, I should not have to face this type of treatment for a company that say they are for veterans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : XXXX. A debt collector/buyer must be bonded and licensed by the XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX. The debt must be legally collectible within the states jurisdiction where the creditor resides. 
XXXX. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
XXXX. A debt purchase must have an assignment number and be registered with the XXXX XXXX XXXXXXXX XXXX. 
XXXX. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
XXXX. This company has posted XXXX or more out dated collection against my credit report. It looks like the account was over 7 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!! 
XXXX. Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the XXXX and in most cases can not be valued as true ownership under XXXX. 
XXXX. Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports ; i.e. XXXX, XXXX and XXXX XXXX respectively. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE ALL OF THESE ACCOUNTS PERMANENTLY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
XXXX XXXX  Credence resource management XXXX XXXX on report. XXXX, XXXX, XXXX collection reported fraud on credit report. I just got my first mortgage this hurting my credit please remove immediately. Next cease dissessed and lawsuit if not remove XXXX hours. XXXX XXXX XXXX loan reporting fraud. According to the the fair act credit reporting Act FCRA section 605B its illegal to report information on my credit report without my permission. Please remove item from my credit report. Thank you. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC
State: TX

Complaint narrative:
Complaint Regarding Unjustified Termination of Vehicle Purchase Transaction Email : XXXX To Whom It May Concern, I am filing a formal complaint against Carvana for unjustified termination of my vehicle purchase transaction, resulting in significant financial loss and inconvenience. Despite following all required steps and providing accurate documentation, my transaction was terminated based on vague allegations that the information I provided was potentially false or misleading or unverifiable. 

XXXX of Events : XXXX. I was approved and scheduled to pick up a vehicle on my appointment date, XXXX, having provided all necessary documentation and completed the verification process. 
XXXX. Due to registration issues with the initial vehicleentirely out of my controlI opted to switch to a different vehicle. 
XXXX. On the morning of XXXX, I completed the identification check, answered the security questions for the new vehicle, and initiated an additional wire transfer of {$5100.00}. 

At no point was I informed that switching vehicles would require repeating the verification process or sending additional funds. Had I known this, I would have proceeded with the original vehicle and utilized the XXXX money-back guarantee policy instead. 

I have now incurred the following financial losses : {$4800.00} wired for the first vehicle. 
{$990.00} in additional fees. 
{$5100.00} wired for the second vehicle. 

Despite complying fully, Carvana terminated my transaction and falsely accused me of providing misleading information, violating my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ). Falsely reporting that I provided misleading information after I had been approved and met all requirements is both defamatory and unlawful. 

Requested Resolution : XXXX. Provide a detailed explanation of what specific information was deemed false or unverifiable. 
XXXX. Reassess the termination of my transaction and either reinstate the purchase or refund the total amount Ive wired. 

Carvanas actions have caused undue stress and financial harm. This lack of transparency and accountability is unacceptable, and I urge immediate action to resolve this matter fairly. 

Thank you for your attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Payfare International Inc.
State: MN

Complaint narrative:
XX/XX/XXXX {$19.00} from XXXXXXXX XXXX XXXX Denied refund despite cancelation and unused service. 

I was in communication with them for over XXXX weeks. 

I attempted to dispute with DASHER Direct from stride bank. 

They had a XXXX second auto reply declining my dispute and would not correct their errors. 
They claimed I was not in contact with the merchant even though I clearly submitted proof. Documents and pictures. 

The issue has still not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: VT

Complaint narrative:
I disputed several errors on my credit report with Experian and XXXX, ever since my credit hasnt been updated on my membership. I have called, provided the personal information validation, and everything else and still havent seen my credit report update in 5 months on their site.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My information was exposed in a data breach. I have discovered incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: NY

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-01-10 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: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: TX

Complaint narrative:
Creditors I have never done business with are contacting me saying, I have debt with them. I have never signed or consented to any agreement. My information has been breached and I want these companies removed.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 explanation
Consumer complaint received 2025-01-10 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: MA

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 response to consumer: Closed with non-monetary relief