vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-12 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: GA

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am lodging a formal complaint with the Consumer Financial Protection Bureau regarding identity theft perpetrated by former employees of my company. XXXX XXXX XXXX and XXXX XXXX XXXX, who were both employed by my company " XXXX XXXX and XXXX XXXX XXXX '', utilized my personal information to commit fraud, causing significant financial harm and distress. Both individuals have been terminated from their positions due to their actions, which have resulted in substantial losses to my company. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Contact Number : ( XXXX ) XXXX These unauthorized actions have not only resulted in financial losses but have also caused immense stress and disruption to my personal and professional life. The fraudulent activities conducted by XXXX XXXX XXXX and XXXX XXXX XXXX have severely impacted my trust in financial institutions and my sense of security regarding my personal information. 

Recent Developments : XXXX XXXX XXXX was recently apprehended in XXXX by the XXXX Police Department, and some information was reportedly recovered. However, XXXX XXXX XXXX was apprehended by the XXXX XXXX, GA last XXXX, and no information was recovered.

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 2024-02-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I have sent a total of 4 emails to the company requesting information. i have not received any requested information from the company however they are still implementing collections tactics.

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 2024-02-12 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: IN

Complaint narrative:
My XXXX  loans were transferred from XXXX to XXXX in XXXX of XXXX. A year later, the XXXX accounts are still showing as open on my credit reports resulting in double the amount of loans on my report than I truly have. I have emailed XXXX to get this resolved with no response to them. I filed a dispute with experian regarding the loans on XX/XX/XXXX. However, the disputes were closed on XX/XX/XXXX and the loans left open on my credit report. XXXX has had a year to make this right and they have not. This negatively affects my credit.

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 2024-02-12 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: NJ

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/year> I attempted to empty my Venmo account. I clicked on a debit card that I had stored, to see what the entire number was.or which bank to make sure it was a valid acct. 

It never gave me an opportunity to confirm, or show me which card it was, it only showed me the last four digits. 

That card is no longer valid, so my {$1200.00} went into limbo. I called my bank to see if I would get the money, they told me it would be returned to Venmo. 

I opened the case with Venmo, they denied my request for reimbursement

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
this account was opened fraudulently without my knowledge. I have filed an identity theft report with the FTC because I never benefited from any of the transactions from this account. This account needs to be closed to prevent further use of my information and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: GA

Complaint narrative:
I called Transunion on XXXX spoke with a Supervisor around XXXX. name XXXX. I explained. I checked all of my statement dates with my credit cards. 

My XXXX XXXX XXXX and my XXXX statement dates are XXXX. On Transunion platform their information is from XXXX. My XXXX card date is XXXX my statement date. The Transunion date of reporting is XXXX. 

Transunion is not accurately reporting my correct information. On my FICO score they are reporting my credit score as XXXX and when I log into their platform it shows my credit score is XXXX. 

All information should be reported correctly.

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 2024-02-12 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: GA

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove!

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 2024-02-12 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: GA

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: AL

Complaint narrative:
I have filed ftc report and cfpb complaint previously because I found inaccurate accounts and ssn numbers belonging to someone else on my credit report. Nobody has yet to help me get this account off my 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 2024-02-12 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: AL

Complaint narrative:
I have filed ftc report and cfpb complaint previously because I found inaccurate accounts and ssn numbers belonging to someone else on my credit report. Nobody has yet to help me get this account off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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 strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: MO

Complaint narrative:
Experian closed this complaint with the longestttttttt explanation that is so ridiculous its not even funny AS REQUESTED FORWARDED TO F.T.C AND D.O.J

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: NJ

Complaint narrative:
Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting 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 non-monetary relief
Consumer complaint received 2024-02-12 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: NJ

Complaint narrative:
Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting 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 2024-02-12 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:
I, XXXX, XXXX XXXX, federally protected consumer, a natural living being of majority status conducting the style and condition of The Principle and XXXX XXXX XXXX, and not an infant/minor, have the right to make sure my private, non public information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX, XXXX BXXXX XXXX XXXX XXXX XXXX XXXX are all financial institutions by definition under that title. 

According to 15 U.S.Code 1681c-2, this is my official statement that all the listed accounts have been reported without my expressed written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transaction made by me, the consumer. 

I am the card holder which was issued to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX so that I can receive a open end account with them ; to receive payments with them and defer. 

I have opted out and rescinded any authority I may have given XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to report about me to any 3rd party, and I have a right to privacy, which is attached to this complaint. 

TransUnion needs to provide strict proof that the alleged creditor ( XXXX XXXX XXXX XXXX XXXX ) is, indeed, the secured party and holder in due course of the aforesaid alleged original agreement in issue and has an enforceable perfected security interest therein pursuant to and in compliance with the Uniform Commercial Code ( U.C.C. ) Section 9-203, Section 9-204 ( 1 ), and Section 9-305, or equivalent sections of the Commercial Code of New York State OR remove the account immediately as it is a result of identity theft.

TransUnion and its affiliates listed above are also in violation of the previous conditional cease and desist what was attached to the complaint ( s ) and Opt Out Notice ( s ) which have not been honored.

Ive requested my consumer file numerous times and haven't received it, only my consumer report which still shows inaccurate non-public information. ( proof has been attached ) Please See Attached Documents which include the following : Exhibit A : Affidavit of Truth/ Cease and Desist/Settlement offer Opt Out Confirmation ( s ) Identity theft report Passport Card ( Identification ) Power of Attorney/ CAF Notice/ Fee Schedule Invoice

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 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
XXXX XXXX and XXXX is deceiving consumers by offering an customers an annual rate year one, and then making consumers pay monthly fees for that annual rate. I have never paid an annual fee on a credit card on a monthly basis. I believe this is deceptive and usery. even if this is disclosed on the agreement, it is not clarified for someone to understand and detail that they will be paying a monthly annual fee. It doesnt make any sense and this needs to be looked into because its hurting vulnerable consumers there are not privy of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: NJ

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate 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 non-monetary relief
Consumer complaint received 2024-02-12 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: NY

Complaint narrative:
I implore you to take immediate action to eradicate the unauthorized accounts from my credit report, as I did not authorize their inclusion and they are causing me significant distress. Please address this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
Hello, I have a mortgage through Loan Depot. When I make my payments they are doing something called a misapplication reversal and reapplying my payments at later dates causing me extra interest. 

For instance, after making my monthly mortgage payment, I will send in a principle only payment through the website and I click principal only check, instead of the mortgage box. After my payment has cleared and been processed by my bank, they do their misapplication reversal and reapply it weeks later and suddenly my principal balance due increases because more interest has been charged and applied to my account. 

This has been going on for months and I have several complaints and requests to correct it but I keep getting the run around. In XXXX of this year, they took my principal payments and applied them to my XXXX payment before my payment was due. 

When I asked LD to correct this, they said that they did it because I was late paying my XXXX payment ( on XX/XX/XXXX ). I still had 3 days before my XXXX payment was due. 

In closing, every time LD does a misapplication reversal it costs me more interest because they re-apply my payments week ( XXXX ) after it has cleared my bank. All of the payment history is posted in electronic format, showing my original payment date and when they reapplied it. 

Secondly, they take my principal payments and use them to pay future payments before my monthly payments are due.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I am writing to lodge a formal complaint against Navy Federal Credit Union regarding unauthorized electronic fund transfers from my account, which I believe falls under the protections provided by the Electronic Fund Transfer Act ( EFTA ). Despite my timely reporting of the unauthorized transactions, Navy Federal has not adhered to the EFTA 's stipulation that limits my liability to no more than {$50.00}. 

In XX/XX/2024, I noticed several unauthorized transactions totaling {$3400.00} from my account with Navy Federal Credit Union. I did not authorize these transactions, nor did I share my account details or PIN with anyone. I reported these unauthorized transactions to Navy Federal within two days of noticing them, expecting to be protected under the EFTA.

After reporting the unauthorized transactions, I received communication from Navy Federal stating that their investigation was complete and that I would be liable for the full amount of the unauthorized transactions, contrary to the protections afforded to me under the EFTA. Specifically, the EFTA states that if the financial institution is notified within two business days after the consumer learns of the loss or theft, the consumer 's liability is no more than {$50.00}.

I have attempted to resolve this issue directly with Navy Federal Credit Union by [ list any actions you've taken : calls, emails, visiting a branch, etc. ], but to no avail. Their stance remains unchanged, and they have not provided a satisfactory explanation as to why the EFTA 's liability limit does not apply in my case. 

I am seeking the CFPB 's assistance in this matter for the following resolutions : A reevaluation of my case in accordance with the EFTA, specifically regarding the limitation of consumer liability to no more than {$50.00} for unauthorized electronic fund transfers reported within two business days.

A full refund of the amounts charged over the {$50.00} liability limit as stipulated by the EFTA.

An explanation from Navy Federal Credit Union on their findings and rationale for their initial decision, along with corrective action to ensure compliance with federal regulations.

Your intervention is crucial to rectify this situation and to uphold the consumer protections guaranteed by the EFTA. I look forward to your prompt response and resolution of this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I disputed this bankruptcy that showed up on my Trans Union credit report. I asked for this to be explain to me how they verified this incorrect information. I was not given a response. 

I would like for this to be removed from my report immediately. It is not mine and in correct. I do not have this on my other credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: NV

Complaint narrative:
On ( XX/XX/2024 ), I sent an Identity theft letter to ( XXXX, XXXX, and Equifax ), and despite more than 30 days passing, I have not received a response nor has ( XXXX, XXXX, and Equifax ) complied with my request, a clear violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached are the letters that were mailed on ( XX/XX/2024 ) and an updated FTC identity theft report. According to FCRA, debt collectors must respond to disputes and requests from consumers within 30 days, yet ( XXXX, XXXX, and Equifax ) have not made a single call or sent a letter addressing the disputes I've mailed. This blatant disregard for FCRA Section 611 ( A ) ( 1 ) could result in fines of up to {$1000.00} per violation. Failure to provide proof or verification within the required timeframe necessitates the removal of this account from the consumer 's report, as the lack of response indicates an inability to validate or verify the account, a violation of FDCPA Section 809 ( b ). Attached are the letters I sent along with my updated identity theft FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: CO

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.

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