vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-05 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: MT

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

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 2024-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-06-05 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:
On XX/XX/XXXX there was an inquiry added to my consumer report from XXXX XXXX XXXX XXXX. I did not authorize this. I requested multiple times from TRANSUNION and XXXX XXXX XXXX XXXX to coordinate and remove the inaccuracy off my report to access the situation. It is XX/XX/XXXX and it's still reporting on my report. It is causing my harm by reporting this inaccurate information. According to 15 usc 1681 - " congressional findings and statement of purpose '' You are in violation of this law please remove 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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Harrasing phone calls about loans that we never asked them about. Insisting we verify our information with them that we never gave them. After asking repeatedly to not call and remove from their call list XXXX XXXX insistently kept asking for more information.

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 2024-06-05 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: NY

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 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 2024-06-05 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: NY

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 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 2024-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to you regarding a matter of utmost importance concerning an identity theft account with company CAPITAL ONE account # XXXX date open XX/XX/XXXX CAPITAL ONE account # XXXX date open XX/XX/XXXX that has severely impacted my financial well-being. I have recently become aware of an account that is not of my doing and is the result of fraudulent activity. I am requesting your assistance in accordance with 15 U.S. Code 1681c-2 ( a ) investgate and remove from file and credit reporting companies 18 U.S. Code 8, I owe no Debt. This Company is violating my Consumer rights to privacy pursuant to 15 USC 1681b 2. company also has NO permission to report ANYTHING using my NON-PUBLIC info pursuant to 15USC 1681 4 I HAVE ADDED A AFFIDAVIT OF FICTITIOUS ACCOUNT TO THIS COMPLANT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Due to loss of income and divorce, we began uploading the hardship documentation to the PNC portal on XX/XX/XXXXXXXX2024. We uploaded every item on the checklist. It still showed incomplete. We called to ask what else needed to be done, as we continued to receive late notices. 
On XX/XX/XXXX, we finally heard from a XXXX XXXX who said she would email a list of documents that we were missing. On XX/XX/XXXX, we received a notice in the mail saying they rejected our hardship request because we never provided the documentation, however, they never told us what we were missing. We followed up on XXXX and XXXX. 
On XX/XX/XXXX, they XXXX returned our call and old us to start the whole process over. I resubmitted everything via fax and received confirmation of receipt on XX/XX/XXXX. 
Uploading to the portal is no longer an option, as my original request remains as an open " incomplete request ''. 
On XX/XX/XXXX, they confirmed they were working on it and would take up to 5 business days for review. 
on XX/XX/XXXX, she called and requested a few additional documents, which we immediately emailed and she confirmed receipt. 

As of XXXX, I received a certified USPS letter stating we are officially in default for not paying XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX. 
We still have no resolution or communication regrading hardship request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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 2024-06-05 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: GA

Complaint narrative:
equifax, XXXXXXXX XXXX  are reporting fraudulent accounts on my credit reports attached FTC report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I was contacted two days ago by Navient trying to collect on my private loan of {$32000.00}. When speaking to the agent, I requested a form the school misconduct discharge application. The reason I requested it was because becase I was lied to by the school I attended XXXX XXXX XXXX XXXX they stated they were an accredited school however, the credits are not transferable to any college and the diploma is not recognized by the state of Florida. I attended XXXX XXXX XXXX XXXX, This school was included in the lawsuit of XXXX XXXX  XXXX And deemed a predatory school. This form is so I can have my private loan discharged. However, Navient will not send me this form!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
i initially applied foe a credit card and received shortly bthereafter i was a victim of idenity theft, my home and auto was burgularized and someone fraudently hacked my accounts. A perpetrator was eventually caught and the charges still appear on my statements My entire financial status was affected by this and im asking you to demand removal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX  requested that I pay a truck off. Once I paid the truck off they are still reporting late on my credit which is incorrect and they have not even updated the information stating the truck is closed and paid off. With them not cooperating my credit score is continuing to decline. They are reporting inaccurate information which is against the law I have reached out to them on several occasions. I cant make any purchases because they are damaging my credit for continuously reporting wrong information!

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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX requested that I pay a truck off. Once I paid the truck off they are still reporting late on my credit which is incorrect and they have not even updated the information stating the truck is closed and paid off. With them not cooperating my credit score is continuing to decline. They are reporting inaccurate information which is against the law I have reached out to them on several occasions. I cant make any purchases because they are damaging my credit for continuously reporting wrong information!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: AL

Complaint narrative:
XXXX XXXX requested that I pay a truck off. Once I paid the truck off they are still reporting late on my credit which is incorrect and they have not even updated the information stating the truck is closed and paid off. With them not cooperating my credit score is continuing to decline. They are reporting inaccurate information which is against the law I have reached out to them on several occasions. I cant make any purchases because they are damaging my credit for continuously reporting wrong information!

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 2024-06-05 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: NY

Complaint narrative:
On XX/XX/year> I contacted Transunion via telephone ( due to the fact that according to their online website a consumer isnt allowed to dispute inquiries. ) I spoke with XXXX whom stated that he works with the fraud department at transition. I explained that as per FCRA violation 15 USC 1681c-2. Theres currently XXXX fraudulent hard inquiries on my transunion credit report and Im requesting to have them immediately 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 non-monetary relief
Consumer complaint received 2024-06-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: Bread Financial Holdings, Inc.
State: CA

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 account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am the victim of identity theft, discovered on XX/XX/year>. I recently filed a claim against XXXX Fraud Investigation Department on XX/XX/year> after making countless attempts to get my fraud charges disputed and dismissed. I received an answer from XXXX on XX/XX/year> stating that they had determined both fraudulent charges ( {$1000.00} and {$810.00} ) were fraudulent and were removing them, and that they would be reporting this to the credit reporting agencies. 
I just received another letter from XXXX dated XX/XX/year> stating that they are now holding me responsible for the 2nd fraudulent charge, late fees and interest totaling {$920.00}. They state that they have conducted their investigation using information that I provided and it wasn't enough information to support my claim. 
MY IDENTITY WAS STOLEN, I have a police report, I provided them with the timeline of ALL of my communications with XXXX and a copy of the flyer that the sheriff 's office made public to help find the woman that stole my identity. I have had to get a lawyer involved because this has harmed my credit, my health and my general life due to all the added stress of dealing with the incompetence and lack of empathy from XXXX. Now, after being told that they used the information I sent them to prove the fraudulent charges were in fact fraud, and receiving a letter from XXXX stating that it DID prove the fraud charges on my account, I'm now being told they are going to hold me responsible for one of the fraud charges. This is absolutely unconscionable that they continue to harass me, attempting to collect a debt that is NOT mine, and continuing to destroy the credit that I have worked my whole life to keep exceptional. 
I want XXXX held accountable for their egregious actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: ME

Complaint narrative:
In XX/XX/year>, I tool out a loan from Opploans for {$4000.00}. I did not realize at the time the interest rate was 160 %, which is against Maine law. In XXXX XXXX, President Biden repealed the True Lender Rule enacted by the OCC, and prior to that, Maine passed a law, XXXX, making Opploans illegal to operate in the state of Maine with the interest rates they charged and illegal to pursue collection activities for said loans. Opploans has since been calling me, emailing me, and reporting negative information on my credit report concerning the loan. I have requested Opploans to cease and desist collection and reporting activities, as to which they refused, stating they dont have to follow Maine Law .

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: LEXISNEXIS
State: PA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Dear LexisNexis, Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my report in violation of Federal Law. You are required under the FCRA to have a copy of the original documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

" XXXX  XXXX Bankruptcy '' with Reference # : XXXX. 
XXXX. Account is reporting when the US bankruptcy court does not report to anyone. This is a Violation of my privacy. Please delete. 
XXXX. Please delete this account immediately for failing to do your due diligence in making sure everything is 100 % accurate on my report. Thus, it is unverifiable and must be deleted immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: National Credit Adjusters, LLC
State: CA

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 account listed without my expressed written consent.

Company response to consumer: Closed with explanation