vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-09 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: DE

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX This CFPB complaint has been filed to pursuant to FCRA 605B ( 15USC 1681c-2 ) that you the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card account opened at : XXXX XXXX on XX/XX/XXXX with account number XXXX XXXX XXXX XXXX  on XX/XX/XXXX with account number XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX with account number XXXXXXXX XXXX XXXX on XX/XX/XXXX with account number XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX with account number XXXXXXXX XXXX XXXX on XX/XX/XXXX with account number XXXXXXXX XXXX on XX/XX/XXXX with account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX with account number XXXX XXXX on on XX/XX/XXXX XXXX account number XXXX XXXX XXXX XXXX on XX/XX/XXXX with account numbeXXXX XXXX XXXX on XX/XX/XXXX with account number XXXX XXXX on XX/XX/XXXX with account number XXXX XXXX XXXX  on XX/XX/XXXX with account number XXXXXXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX with account number XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX with account number XXXX and these accounts have been placed in collections. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have attached a list of hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items, I do not recognize the aforementioned accounts, collections and hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my credit report were NOT opened, made or initiated by me. All of these accounts, collections, and hard inquiries are a result of identity theft and fraud, I have attached a copy of the 3 FTC Identity Theft Criminal Complaint numbers ( XXXX ) ( XXXX ) and ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are a result of identity theft and fraud.

What would be a fair resolution to this issue? ( demand for relief ) I request pursuant to FCRA 605B ( 15 USC 1681c-2 ) that the XXXX credit reporting agency block all of the accounts, collections and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me vial email to 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 2024-11-09 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: DE

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX This CFPB complaint has been filed to pursuant to FCRA 605B ( 15USC 1681c-2 ) that you the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card account opened at : XXXX XXXX on XX/XX/XXXX with account number XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX with account number XXXXXXXX XXXX XXXX XXXX  on XX/XX/XXXX with account number XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with account number XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX with account number XXXXXXXX XXXX XXXX on XX/XX/XXXX with account number XXXXXXXX XXXX on XX/XX/XXXX with account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX with account number XXXX XXXX on on XX/XX/XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX with account number XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX with account number XXXX XXXX on XX/XX/XXXX with account number XXXX XXXX XXXX on XX/XX/XXXX with account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with account number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with account number XXXX and these accounts have been placed in collections. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have attached a list of hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items, I do not recognize the aforementioned accounts, collections and hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my credit report were NOT opened, made or initiated by me. All of these accounts, collections, and hard inquiries are a result of identity theft and fraud, I have attached a copy of the 3 FTC Identity Theft Criminal Complaint numbers ( XXXX ) ( XXXX ) and ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are a result of identity theft and fraud.

What would be a fair resolution to this issue? ( demand for relief ) I request pursuant to FCRA 605B ( 15 USC 1681c-2 ) that the XXXX credit reporting agency block all of the accounts, collections and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me vial email to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AUSSRQ Holdings, LLC
State: TX

Complaint narrative:
This has been reported on my report XXXX  years from original date and collection has changed date of account to keep reporting instead of allowing it to be removed. It was reported to collections that I did not owe this. I am not one to not pay my bills ( check my report ). But I am not responsible or obligated to pay debt that I do not owe. 
I request this be removed from my report based on the incorrect date and information that is being reported by collections. It has been reported negatively on my report for XXXX  years. Again, remove because its not something I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of multiple unauthorized accounts appearing on my credit report. Due to a recent data breach, I am a victim of identity theft, and I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these entries removed. The following accounts
are fraudulent and were not opened by me 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 [ Continue with the rest of the accounts, following the same format. ] Additionally, the following inquiries were made without my authorization. Please remove these as they were not initiated by me : 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 XXXXXX/XX/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 2024-11-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I am writing to formally request validation of the debt that your agency claims I owe. I was recently contacted by your agency regarding a debt allegedly owed to XXXXXXXX XXXX in the amount of {$710.00} as of XXXX XXXX. However I am requesting confirmation that this debt is valid and, that your agency has the right to collect it as an assignee. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ) [ 15 USC1692g Sec. 809 ( b ) ], I request that you provide me with the following documentation : 1. Proof of original debt a copy of the original contract with XXXX XXXX that i signed which establishes the terms of the debt. 

2. Account statement and details. 
An itemized account of all principal, interest, fees, and payments associated with the debt. 

3. Assignment contract or transfer of rights documentation. 
Written documentation that XXXX XXXX  transferred or assigned this debt to your agency thus giving you the right to collect on it. This should include the full chain of assignment if there have been multiple transfers of this debt. 

4. Identification an details of the original creditor : The name and address of the original creditor and any account numbers associated with the original debt to verify that this claim is accurate. 

Please understand that I am not refusing to pay the debt rather i am requesting that you verify its legitimacy and your authority to collect on it. I expect a response to this validation request within the timeframe, please consider this debt as disputed and do not report it to any credit reporting agencies or take further collection actions. 

If this debt can not be validated I request that it be removed from your records and, I should not be contacted about it in the future. 

Thank you for your attention to this matter. I look forward to receiving the requested documentation at your earliest convenience. 

Sincerely XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am writing to express my concerns regarding my account checking and saving accounts with Navy Federal Credit Union. 

Recently, I have encountered significant issues related to the balance reporting on my account. I believe that the balance displayed often does not accurately reflect my available funds. This has led to unintended overdrafts, especially when using payment services such as XXXX XXXX and XXXX XXXX. As a result, I have incurred multiple overdraft fees that I believe are unjust. 

Despite my attempts to seek clarification and assistance from your team, I have not received adequate guidance on this matter. While your representatives have been courteous, I have not been offered a resolution or reimbursement for the overdraft fees incurred due to these discrepancies. 

I kindly request a thorough review of my account activity, focusing on the transactions that resulted in the overdrafts and a clear explanation of how balances are calculated. I believe that transparency in this process is essential to prevent future occurrences. 

Thank you for your attention to this matter. I look forward to your prompt response and hope we can resolve this issue amicably. 

Best regards, XXXX XXXX XXXX XXXX

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 2024-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Improper overdraft fee where asset on my checking acct.During time of XXXX XX/XX/year>

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 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

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 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 2024-11-09 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: AR

Complaint narrative:
I am writing to notify you that I am a victim of identity theft due to a recent data breach. As a result, several unauthorized accounts and credit inquiries have been made in my name without my knowledge or consent. In accordance with 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am formally requesting that the following accounts and inquiries be immediately blocked and deleted from my credit report. 
Fraudulent Accounts : XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$8100.00} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1300.00} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2300.00} XXXX. XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$790.00} XXXX. XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$260.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1200.00} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1200.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$2300.00} Unauthorized Inquiries : XXXX. XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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: AR

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$8100.00} XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXX - XXXX - XX/XX/XXXX - {$2300.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$790.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$260.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$2300.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX XX/XX/XXXX XXXX MO XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2024-11-09 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: NC

Complaint narrative:
I am a victim XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : 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 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 XXXXXX/XX/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 2024-11-09 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: TX

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 XXXX 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 non-monetary relief
Consumer complaint received 2024-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Subject : Urgent Request for Compliance with Service Member Civil Relief Act ( SCRA ) Dear American Express Customer Service, I am writing to express my deep concern regarding a significant issue with my American Express account ( [ Account Number or last four digits ] ) that has persisted unresolved for XXXX XXXX. As a loyal American Express cardholder of more than XXXX XXXX, I expected greater responsiveness in handling matters related to my XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. 

On XX/XX/year>, I entered XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I contacted American Express to have my account placed under the protections afforded by the Service Member Civil Relief Act ( SCRA ), codified at 50 U.S.C. 3901-4043. According to SCRA, my account should have been placed at a capped interest rate of XXXX XXXX, applicable while I am actively serving. However, upon reviewing my past statements, I found that my account was only placed under SCRA protection for XX/XX/year>, with subsequent charges returning to an approximate XXXX XXXX XXXXXXXX. 

Despite my repeated efforts to address this discrepancy, including multiple conversations with American Express representatives, the issue remains unresolved. Each attempt results in the same response, without any effective resolution. This has not only caused financial strain but also undermined my trust in American Express 's commitment to support service members. 
Here is my ref Id of this chat - XXXX & XXXX I am requesting an immediate correction of this issue. Specifically, I ask that : My account be adjusted to reflect the XXXX XXXX interest rate as required by SCRA from the start of my XXXX XXXX in XX/XX/year> to the present and while I remain in XXXX XXXX status. 
A thorough review of past statements to identify and credit any overcharged interest incurred due to this oversight. 
An explanation of why it has taken so long to rectify this matter and why I continue to receive insufficient responses despite my ongoing attempts to resolve this issue. 
Thank you for your prompt attention to this matter. Please contact me at [ Your Phone Number ] or via email at [ Your Email Address ] to confirm the steps being taken. I trust that American Express will honor its commitment to uphold the rights and protections granted to service members.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal credit union gives me overdraft fees when I have sufficient funds available

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation