vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-02 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: MS

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , delete 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 false, fraudulent, and inaccurate information is an auto loan with XXXX XXXX opened XXXX XXXX, XXXX under account number XXXX, a collection account with XXXX under account number XXXX, a collections account with XXXX XXXX under account number XXXX. Because of these fraudulent and inaccurate accounts, my consumer credit report has been negatively impacted by late payments and collections being reported. These accounts and collections reported and maintained by you I do not recognize and are inaccurate and fraudulent and were not approved, initiated, or opened by me. All of the accounts and collections I listed are the result of identity theft and fraud. Attached is a copy of my FTC Identity Theft Criminal Complaint # XXXX  as proof from the US Federal Trade Commission that the accounts and collections I listed are the results of identity theft and fraud.

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 2024-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I believe that the information listed above is inaccurate and does not reflect my true credit history. In accordance with 15 U.S.C. 16811 ( = ) ( 1 ) ( A ), I am requesting that you conduct a reasonable reinvestigation to determine the accuracy of the disputed information. 
I kindly request that you contact the furnisher of the information to verify the accuracy of the disputed item. During this reinvestigation, I ask that you consider any documentation or evidence that I may provide to support my claim of inaccuracy. 
- XXXX I understand that, under 15 U.S.C. 1681i ( a ) ( 3XA ), you are required to complete the reinvestigation within XXXX XXXX of receiving this dispute, unless you notify me that an extension is necessary. 
XXXX, after your reinvestigation, it is determined that the information is inaccurate, incomplete, or can not be ventied, I expect the prompt removal or correction of the disputed item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: AE

Complaint narrative:
The following accounts are reporting back to me as it belongs to me. I am currently XXXX XXXX XXXXXXXX i have no access to apply for anything in my name. These accounts are fraudulent I am asking that these accounts get removed for it is an huge affect on my career and my credit. Remove these items from my report for they are fraudulent. My complaint isn't being taken very seriously. Please provide me any proof that these belongs to me when I don't have access to obtain such items,

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 2024-10-02 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: FL

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 explanation
Consumer complaint received 2024-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus XXXX XXXXXXXX ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX XXXX since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus XXXX XXXX ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX XXXX  since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
NFCU recently refused to process disputes that were a very obvious attempt at a scam. A retailer spent around a year refusing to follow their own policies by allowing me to choose a method of shipment. After about 8 months of them finally agreeing, they began insisting on shipping my orders via XXXX, for the purpose of stealing them. After multiple instances of catching XXXX editing the tracking of shipments, the retailer now refuses to even respond to a message. Oddly enough, transaction notifications for these, along with many other transactions were disabled through NFCU. The subject of a previous complaint, that I have caught occurring again just this morning. NFCU refuses to tell me which transactions were placed manually or in-store, and refuses to submit a SAR for the numerous and ongoing security infractions that occur on my accounts.

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 2024-10-02 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: NC

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-10-02 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: FL

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 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 2024-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I switched to Capital One about 5 months ago to use their high yield savings account and travel credit card. All of my money is hard earned from my job. I use XXXX to send money between me and friends as normal, but I have never done anything fraudulent. Capital One decided to freeze my account on XX/XX/year>, and end my relationship with them permanently, but they will not tell me why. I offered to show proof of anything they may need, they said they do not care, and the decision has already been made. My money is still frozen, both checking AND savings ( which is about {$25000.00} total ) and they will not tell me when I will be able to receive a check with my money. Mind you, all of my money to my name is in the account, meaning I can not buy groceries, gas, or pay my bills with my money. Capital One has provided me with no explanation besides my account shows " risky activity '' but won't explain what it is or let me explain anything. So ridiculous, I need help to get ALL of my money unfrozen and back in my hands ASAP. I am a hard worker in the construction industry, and I worked very hard to save up my money. I have no late payments and have done nothing wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-10-02 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:
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 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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant XXXX, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ZWICKER & ASSOCIATES
State: WI

Complaint narrative:
This formal complaint is submitted on behalf of the Principal, the legal entity associated with the account and obligor of the alleged obligation, in response to the unlawful and non-compliant debt collection practices engaged in by Zwicker & Associates, XXXX. XXXX has violated multiple provisions of the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to its failure to furnish the required 30-day validation notice, failure to provide a subsequent five-day validation notice, and continuing collection activities without proper validation of the alleged obligation. These violations expose Zwicker & Associates to significant legal liability and, by extension, place XXXX XXXX in a compromised position as their principal. 

Upon initiating communication with the Principal, Zwicker failed to comply with 15 U.S.C. 1692g ( a ), which mandates that within five days of the initial communication, the debt collector must provide the obligor with a written notice containing the amount of the alleged debt, the creditors identity, and the obligors right to dispute the debt within 30 days. Zwickers failure to provide this validation notice is a clear violation of the FDCPA and demonstrates a disregard for their statutory obligations. 

Further, Zwicker & Associates did not comply with 15 U.S.C. 1692g ( b ), which explicitly requires debt XXXX to cease all collection activities until they validate the debt upon request. By continuing collection activities without providing proper validation, Zwicker has shown continued non-compliance with this provision of federal law, exposing them to potential civil penalties. 

Additionally, Zwicker failed to inform the Principal of their legal entitlements, including the right to dispute the debt and demand validation, as required under 15 U.S.C. 1692g ( a ). This deliberate disregard for FDCPA protections has caused unwarranted harm to the Principal and exposes Zwicker to significant legal liability for statutory damages and corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: LA

Complaint narrative:
See attached pdf file from documented record of conversation, XX/XX/year>. 

Primarily filing this complaint because the company previous track record of deception at inception of loan ; regarding bimonthly automatic payments that company indicated would be done in closing, and later recanted their statements. And the inconsistencies in information sent through email yesterday, and representative discussion that company couldn't do escrow analysis, after waiver was processed. Had received two emails from Rocket Mortgage, one for auto pay, and other for payment confirmation. They both stated in red, " Closed Mortgage ''. 

Ergo, reason stated not process. Yet it was as if, representative didn't hear. Although XXXX, was very helpful, think maybe the XXXX XXXX have was once again a factor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CA

Complaint narrative:
i have chime bank and i was hit with fraud from an outside source. after the first one they let me know they have secured my account and it would not happen again. it happened two more times within two days i let them know none of these charges are me that there is only one use on the account and these charges are not coming from me or any of my devices or phone number.. the crazy thing is if i try and get in my account it asks me all kinds of questions but it just lets other people right in to do as they please. now the bank came back and did they see no wrong doing and cancelled my claims i had to get a supervisor in it to re open the three claims.. pure stupid the whole company and the last charge i didn't eve have the funds and they still let it happen i just don't get it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: TX

Complaint narrative:
My account with Equifax was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation