vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-26 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:
I am writing to bring to your attention some discrepancies in my credit report that I believe may be inaccurate or misplaced. I am respectfully disputing these claims and kindly requesting that any negative information be removed from my report. I understand that it is crucial for credit reporting agencies to adhere to mandatory reporting standards, and I am confident that you will work towards this goal. I request that you provide me with the physical proof to back up any allegations made against me, and that you comply with the reporting requirements set out in 15 U.S.C 1681e and 12 CFR Part 1022 ( Regulation V ). I am aware that any inaccuracies or deviations from these standards can have significant implications for both federally regulated reports and Metro 2 compliance standards. Therefore, I urge you to investigate the validity of the inaccurate items in my report and either replace them with accurate ones or delete them altogether. I understand that mistakes can happen, but I trust that you will conduct reasonable investigations of consumer disputes and ensure that the information in my credit report is both accurate and complete. I kindly ask that my rights are protected and that you comply with the highest standards of certified reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} 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 2023-09-26 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: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
As I was reviewing my credit report, I noticed an unauthorized inquiry and inaccurate account that are reporting to my name. I am terrified that someone out there has my information and has been using it. This has been making my life XXXX. My credit has taken a toll due to the reporting of the inaccurate information. I am stressing out that my information is being used without my consent, please help! I want to get this issue fixed as soon as possible. I can not literally do anything with my credit looking like how it is. Please help!

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 2023-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I disputed items inaccurate on my credit report. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc.The companies only provided me with monthly statements. I argued that this is not proof of a debt owed the company said that they verified my name and address so its considered valid. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 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: IL

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: CA

Complaint narrative:
I submitted the employment certification form ( ECF ) for the period of XX/XX/XXXX - XX/XX/XXXX on XX/XX/XXXX and my form was processed 6 weeks later. I included my W2 for XXXX, and XXXX and also my last paystub as well. However the PSLF payment count was not accurate ( only increased by 1 ) and did not reflect the number of payments for past 2 years that I submitted the form for. I called Mohela multiple times and waited 2 hours for each phone call. I finally was able to get through to speak to a representative who told me it was a mistake and she requested a manually recount. I asked how long it would take for the payment counts to be updated. She responded saying she has no idea how long it would take?? 
It seems to be a simple fix and I find it unacceptable with their answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Payfare International Inc.
State: MA

Complaint narrative:
On XX/XX/2023 I set up a payment to XXXX XXXX for {$90.00} and was charged a fee of {$1.00} to do so. The payment was never received by XXXX XXXX and XXXX XXXX will not send me proof that the check was sent or cashed. 
I have called many times and am told the same thing, just that it posted. It posted the same time i sent it because it withdraws right that moment, not when the check is cashed. They should not offer a service to send paper checks and then provide no true verification that the check was cashed. 
I want a copy of that cleared check or I want my {$91.00} dollars back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
While in XXXX, XX/XX/XXXX, XXXX I tried to make a purchase through XXXX  and the card was declined due to multiple attempts when the card was actually only used once so maybe Federal froze not only my XXXX XXXX card but my cash rewards card, and then they not provide in service to resolve the issue by placing me on hold for 20 to 30 minutes at a time. As difficult to get a hold of them or that department while in XXXX, there shouldn't be a 60 minute 30 minute let alone 20 minute wait time for somebody to pick up the phone to resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: HW Holding, Inc
State: MD

Complaint narrative:
Hunter Warfield a Collection firm was given personal confidential contact information by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Emergency Contact person was threatened and harrassed.I was never contact by Hunter Warfield regarding the issue.I have phone records to verify that I was never contacted.My Emergency Contact person has records to verify the calls from Hunter Warfield .

Hunter Warfield XXXX XXXX XXXX XXXX XXXX, Florida XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: IL

Complaint narrative:
See the attached documents.

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 2023-09-26 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: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I made a purchase using XXXX and my Citi Card on XX/XX/XXXX and it went through. It was a fairly large purchase ( {$1300.00} ) so I was able to sign up for the XXXX XXXX option. Because of this, I made another purchase for my side business ( {$2000.00} ) on XX/XX/XXXX so I can manage the payments going forward - and for some reason this was no longer allowed for XXXX  XXXX. In XXXX when I received my statement, I saw they had charged the {$2000.00} as a cash advance and charged me interest and fees associated with such. 

They never gave me notice that XXXX was being removed. They never gave me notice about the purchase being used as cash advance. They took almost {$200.00} in fees from me for without valid notification, and they charged compounding interest. I do not like how they handled this situation and I am appalled at how they do business.

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 2023-09-26 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. 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 explanation
Consumer complaint received 2023-09-26 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: IL

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: LA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a 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 explanation
Consumer complaint received 2023-09-26 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: TX

Complaint narrative:
All accounts came back Verified.

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 2023-09-26 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing 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. All is being investigated by the FTC.

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 2023-09-26 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: IL

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: UT

Complaint narrative:
We were looking at our XXXX credit report on XX/XX/26 when we noticed an Exeter Finance account that we have no recollection of signing up for, apparently back in XXXX. Exeter Finance has been incorrectly stating that we owe them money on an " auto loan '' account, which was apparently repossessed. However, Exeter Finance never gave us any money to actually purchase a vehicle, they never sent us a check to go purchase a vehicle, and they never deposited any money into our bank account to purchase a vehicle. Since no auto loan transaction ever took place between Exeter finance and me, this account can not be valid in any way, shape, or form. 

However, when we tried disputing it on XXXX, they incorrectly validated this account as being legitimate, despite having no contract stating that this was an auto loan. No contract, no bank statements, no payment information, and when we tried to contact the company they immediately hung up on us after giving our information. 


This XXXX  Auto lender has falsely accused of owing them money and tanking our credit score along with it. We do not take this lightly, and we have demanded confirmation of this debt to which Exeter Finance has given us no reprieve. We even tried suing them in small claims court, in which they did not show up.

This repossession is invalid, illegitimate, and will be taken off our credit report due to the other lack of confirmation of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: IL

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them immediately.

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 2023-09-26 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: IL

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them immediately.

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 2023-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: UT

Complaint narrative:
On XX/XX/XXXX  I received notice from my bank via text that someone was trying to change the password to access my account. I logged into my account to see that funds had been moved from my credit card ( linked to my checking account ). I contacted my bank who guided me to change my passwords to my accounts and to visit XXXX XXXX to have my device scanned for any malware. All actions were complete. 

On Monday, XX/XX/XXXX three withdrawals had been made from my checking account with the transaction title being : " AUTOMATIC WITHDRAWL, XXXX XXXX XXXX XXXX ( XXXX ) '' the charges were : {$1000.00}, {$1000.00}, & {$510.00}. 

That day I went to my bank. It was discovered to be fraudulent charges. I closed that account and opened a new one. The charges were reversed by my Credit Union. 

Three letters Received Dated XX/XX/2023 from TRS recovery services ( sm ). 
Letter XXXX : Reference Number XXXX for a balance of {$1000.00} Letter XXXX : Reference Number XXXX for a balance of {$510.00} Letter XXXX : Reference Number XXXX for a balance of {$1000.00} Phone calls received XX/XX/XXXX & XX/XX/XXXX seeking collection. 

I notified my Credit Union of these notifications seeking guidance. They told me not to engage with the collection agency, TRS, and to report this as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. 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 explanation