vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
First of all, I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. Now to tha main problem, I am writing to address a critical matter concerning my credit report. Upon careful examination, I discovered that there are accounts currently listed on my report that have already been removed by XXXX and XXXX due to identified errors. I am perplexed by the inconsistency in your verification process, which has resulted in the retention of these accounts in your records. XXXX and XXXX have acknowledged the existence of errors and promptly removed these entries from their records. It raises serious concerns about the accuracy and reliability of your reporting procedures, considering that the other bureaus have already rectified this discrepancy. The disputed accounts are as follows : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

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 2023-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
I received a notice XXXX XXXX from Barclays of account been closed stating delinquency and revolving balances too high. There source of reference was a independent consumer reporting agency. Which credit reporting agency was not disclosed in the notice. This is also a violation of 15 U.S. Code 1681 ( a ) ( 4 ) a right to privacy and 15 U.S. Code 1681 ( a ) ( 2, disclosure of account information without my instructions.

This adverse action of withholding my rights to credit is discrimination, Securities fraud, violation of the Equal Opportunity Credit & Consumer Credit Protection Acts, RICO Act violation, engaging in dishonest and fraudulent business dealing involving my Securities account. Please rescind my original credit application on record and all associated Securities collateral.

I will file the following IRS and Treasury forms 1099-A, 1099-OID, FS 1048 and SF 95 for recoupment and file charges with the Securities Exchange Commission, for violation of 18 U.S. Code 1349. Section 10 ( b ) of the Securities Exchange Act of 1934, Material Misrepresentation or Omission.

In reviewing the Barclays Form 424 ( b ) ( 5 ) prospectus, Indenture Trustee : XXXX XXXX XXXX XXXX XXXX XXXX XXXX that deals with debt securities it is in Barclays to close my account and refuse my tender to maintain the debt ( Receivables ). 
Receivables means all amounts shown on the servicers records as amounts payable by an obligor on any account from time to time, including amounts payable for XXXX XXXX XXXX XXXX XXXX XXXX Receivables that become Defaulted Receivables will cease to be included as Receivables as of the day on which they become Defaulted Receivables. For purposes of the FDIC Rule and GAAP, Receivables are financial assets ( XXXX XXXX I am aware you are trading my securities as a XXXX XXXX XXXX XXXX XXXX XXXX, with the indenture trustee as the nominee with XXXX XXXX XXXX with Barclays acting as the beneficial owner.

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 2023-12-13 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:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2023-12-13 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: CA

Complaint narrative:
I have Disputed this Account about removing XXXX XXXX XXXX due to : 1. Violation of Privacy Act : XXXX XXXX XXXX. The No Disclosure without Consent Rule No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to XXXX exceptions ]. 5 U.S.C. 552a ( b ). 

Under the Privacy Acts disclosure provision, agencies generally are prohibited from disclosing records by any means of communication written, oral, electronic, or mechanical without the written consent of the individual. 

I DID NOT GIVE ANY CONSENT by written, oral, electronic, or mechanical to EXPERIAN, XXXX or XXXX nor any other XXXX party companies to share my information publicly. 

I asked them to remove it on these dates below : Experian Disputes : Date Generated XX/XX/XXXX XXXX XXXX XXXX Report Number XXXX Date Generated XX/XX/XXXX XXXX XXXX XXXX Account XXXX Updated Information on this item has been updated. Please review your report for the details. 

Report Number XXXX Date Generated XX/XX/XXXX XXXX XXXX XXXX Account XXXX Report Number XXXX Date Generated XX/XX/XXXX XXXX XXXX XXXX Account XXXX XXXX Disputes XXXX Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed XX/XX/XXXX Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed XX/XX/XXXX Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed XX/XX/XXXX XXXX Dispute : Date Submitted Estimated Completion Status XX/XX/XXXX XX/XX/XXXX In Process

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 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have Disputed this Account about removing XXXX XXXX XXXX due to : 1. Violation of Privacy Act : XXXX XXXX XXXX. The No Disclosure without Consent Rule No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). 

Under the Privacy Acts disclosure provision, agencies generally are prohibited from disclosing records by any means of communication written, oral, electronic, or mechanical without the written consent of the individual. 

I DID NOT GIVE ANY CONSENT by written, oral, electronic, or mechanical to XXXX, XXXX or TRANSUNION nor any other 3rd party companies to share my information publicly. 

I asked them to remove it on these dates below : XXXX Disputes : Date Generated XX/XX/XXXXXXXX  XXXX XXXX XXXX Report Number XXXX Date Generated XX/XX/XXXX XXXX XXXX XXXX Account XXXX Updated Information on this item has been updated. Please review your report for the details. 

Report Number XXXX Date Generated XX/XX/XXXX XXXX XXXX XXXX Account XXXX Report Number XXXX Date Generated XX/XX/XXXX XXXX XXXX XXXX Account XXXX XXXX Disputes : Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed XX/XX/XXXXXXXX  Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed XX/XX/XXXX Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed XX/XX/XXXX TransUnion Dispute : Date Submitted Estimated Completion Status XX/XX/XXXX XX/XX/XXXX In Process

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 2023-12-13 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: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
Navy Federal is reporting negative transactions and experiences on my consumer report which goes against 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) where Congress states that reports containing information solely as to transactions or experiences between the consumer and the person making the report should be excluded from a consumer report. 
Navy Federal has failed to provide the proper way for me to exercise the nondisclosure option given to a consumer by 16 CFR 313.7 and 15 USC 6802. I have provided them with notice that I have opted out of them sharing my nonpublic financial information with 3rd party nonaffilates. They have ignored this notice and are in violation of the Fair Credit Reporting Act and the Privacy Act of 1974. This is a violation of my rights that are to be enforced by the CFPB according to 15 USC 3805.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: IN

Complaint narrative:
Per the FCRA, as a federally protected consumer.

SouthWest Credit Systems is furnishing inaccurate and incorrect information to the consumer reporting agencies.

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes.

Their inaccurate reporting has damaged my livelihood.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.

PROHIBITION : a law or regulation forbidding something As Defined by The IRS The IRS Clearly defines a charge-off as considered a certificate of indebtedness as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes their reporting of this account inaccurate! 


By Definition The IRS and CFR Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate.

15 USC 1681 s-2 Says SouthWest Credit Systems is a furnisher of information to a consumer reporting agency. 

XXXX XXXX XXXX A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

In conclusion, I have shown them and I have put them on notice that they are reporting inaccurate information. The information is, in fact, inaccurate.

The continued reporting of this inaccurate information is a clear violation of Law 15 USC 1681 s-2 of their responsibilities as a furnisher of information. 

Tracking Number : XXXX XXXX XXXX XXXX XXXX Tracking Number : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

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 2023-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I was contacted via email by a XXXX regarding a job opportunity via the rotary club working for an XXXX XXXX. The job opportunity involved working as a personal assistant purchasing items for foster homes and aiding XXXX XXXX in her humanitarian relief. I reached out to accept this opportunity and I was contacted by XXXX XXXX via email at XXXX. She established contact and gave me a list of supplies the homes needed. She then sent me a check for {$1000.00} to use for these purchase. After this she reached out and told me the foster homes were in need of cash and she needed me to send {$990.00} to one of the homes. She sent me another check to make up for this and I did not think anything of it. I sent the money via XXXX to a XXXX XXXX at XXXX. A few days later my account with Bank of America was closed due to fraudulent activity. I was cut off with no money as a college student away from home. I was confused and frustrated because I did not realize I was being scammed until this occurred. I contacted the bank and filed a fraud claim to get the account resolved and my money returned. The bank barley asked for any information and if they did ask for anything it was typically all vague. The never received any files on my end regarding the situation. They asked for names and that was it. Unfortunately the account closure was final and I could do nothing to change it. My account was closed and I was left stranded with no funds. As for the funds I lost being recovered the fraud and claim department could not offer me a solution after an investigation. My account was closed and I did not receive any money back after the fact. I feel as if it was grossly mishandled.

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 2023-12-13 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: CA

Complaint narrative:
I have Disputed this Account about removing DISMISSED XXXX XXXX bankruptcy due to : 1. Violation of Privacy Act : XXXX XXXX XXXX. The No Disclosure without Consent Rule No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). 

Under the Privacy Acts disclosure provision, agencies generally are prohibited from disclosing records by any means of communication written, oral, electronic, or mechanical without the written consent of the individual. 

I DID NOT GIVE ANY CONSENT by written, oral, electronic, or mechanical to EXPERIAN, XXXX NOR XXXX to share my information publicly on their platforms. 


Comment : A dismissal refers to the courts decision to terminate a court case without imposing liability on the defendant. 

Comment : I was living in The State of Georgia when On XX/XX/XXXX, due to the impact of COVID-19 on the State of. Georgia, Governor of GA issued Executive Order No. XXXX, declaring a Public Health State of Emergency Complete Shut In and Shut Down Covid 19 Epidemic Caused this issue, I do not deserve to punished for a world epidemic. 

I asked them to remove it on these dates 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 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 explanation
Consumer complaint received 2023-12-13 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: TN

Complaint narrative:
XXXX XXXX is reporting negative transactions and experiences on my consumer report which goes against 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) where Congress states that reports containing information solely as to transactions or experiences between the consumer and the person making the report should be excluded from a consumer report. 
XXXX XXXX has failed to provide the proper way for me to exercise the nondisclosure option given to a consumer by 16 CFR 313.7 and 15 USC 6802. I have provided them with notice that I have opted out of them sharing my nonpublic financial information with 3rd party nonaffilates. They have ignored this notice and are in violation of the Fair Credit Reporting Act and the Privacy Act of XX/XX/1974. This is a violation of my rights that are to be enforced by the CFPB according to 15 USC 3805.

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 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was a victim of the XXXX data breach. I want these items deleted from my credit 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 2023-12-13 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: FL

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: FL

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I am set up for automatic payments from my checking account. I log on today and all of my accounts are past due. I check and there arent any pending payments. It says my payment isnt due for another month which obviously isnt true as every account says past due. I went set up a payment to clear the past due issue. I just checked my bank account to this evening and they took the payment that I scheduled as well as the automatic debit. They charged me twice this month under the falsehood that my account was past due even though its auto debit. Looks like groceries wont be a thing this month. Thanks Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that this is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.

Company response to consumer: Closed with non-monetary relief