vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-06 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:
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX & XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result 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 explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of identity theft, and outdated personal information ( addresses, phone numbers, and employment ) remains on my credit report. I previously requested the removal of this outdated information from all three credit bureaus ( TransUnion, XXXX, and XXXX ), but my request was ignored or not fully addressed. This outdated information is no longer accurate and poses a risk to my privacy and identity security. 
The outdated information includes old addresses where I no longer reside, old phone numbers I no longer use, and incorrect employment history. This information has caused issues with receiving personal and important mail, as it is being sent to old addresses that I can not access. I am worried that my sensitive information may be compromised further due to this inaccurate reporting. 
I have contacted the credit bureaus on [ insert previous request date ] to have this old information removed but have not received a satisfactory resolution. The credit bureaus are required to ensure that the information on my credit report is accurate under the Fair Credit Reporting Act ( FCRA ). The continued reporting of these outdated addresses, phone numbers, and employment violates the FCRA, as the information is neither accurate nor relevant to my current situation. 
I am requesting the CFPBs assistance in ensuring that the credit bureaus immediately remove all outdated personal information from my credit report and provide confirmation of the removal.

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 2024-10-06 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: MA

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT. 

PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT. 

THANKS SEE THE ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX  account ending in XXXX is not my account and doesn't belong to me. I did not authorize or approve for any loan or credit to be used in my name. I do not have any business with this company. I reached out and spoke to XXXX XXXX on XX/XX/year> and she stated they had 5 contact numbers for me which none of those belonged to me. The account is showing 60 days late on my credit report for {$100.00}, and this account should be 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 explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois [ XXXX ] Transunion Consumer Solutions XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX Consumer Dispute Center XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Dear Sir/Madam, The CRAs have a grave responsibility to ensure the accuracy and fairness of my consumer report. Despite multiple dispute attempts the CRA 's continue to incorrectly report inaccurate and misleading information to my consumer report, specifically the listed charged-off account ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX. The account was CLOSED XX/XX/XXXXXXXX  and is actively reporting " last activity '' of XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This information is in direct violation of the Fair Credit Reporting Act ( FCRA ) and is adversely affecting my credit profile. The continued reporting of this account as charged off with a remaining balance is not only inaccurate but also misleading. The Internal Revenue Service ( IRS ) clearly defines a charged-off account as one with no remaining balance, in addition too, becoming TAXABLE INCOME to the consumer. To which I have never received any 1099C. The CRA 's action in reporting this account with a balance constitutes a violation of the FCRA by providing false, misleading, and unverifiable information. 

Furthermore, the inclusion of these accounts on my credit report without my explicit consent is a clear violation of my privacy rights. The FCRA mandates that consumer reporting agencies, such as ( Transunion, XXXX, XXXX ) have a duty to protect consumer information and ensure its accuracy. The CRAs actions in this matter represent a blatant disregard for these regulations. 

By reporting inaccurate and misleading information about me, the CRA 's have caused significant harm to my credit standing, limiting my access to credit and financial opportunities. This is a direct result of their ( Transunion, XXXX, XXXX ) negligence and failure to adhere to the FCRA. 

I demand the immediate deletion of the aforementioned charged-off account from my credit report. Additionally, I reserve the right to pursue all available legal remedies, including but not limited to monetary damages, for the harm caused by the CRAs violations of the FCRA. 

I have attached a copy of my credit report for your reference. I expect a timely response to this dispute, including written confirmation of the accounts deletion from my credit report. 

Thank you for your prompt attention to this matter. 
Best Regards, XXXX XXXX UCC 1-308 ALL RIGHTS RESERVED

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 2024-10-06 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: MA

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT. 

PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT. 

THANKS SEE THE ATTACHED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 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: PA

Complaint narrative:
Equifax has yet to remove on my credit XXXX Equifax has yet to mail out a copy of my credit report. 

Keeps giving me the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Venmo will not let me transfer my money out of my account and when I ask why its frozen they will not give me any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
When I signed for the loan my signature was copied and pasted onto the paperwork. I was never told about the interest rate being so high. After having the car for 6 months the Transmation went when i tried to put in a warranty claim i was told the warranty was up 30 days ago. The Transmation cost me over {$5000.00}. We fell behind on the car around covid and the car was repossessed. I was told that it would cost me {$800.00} to get the car back and i would still owe a payment. I did not go directly back to work from XXXX  and ask the company to pick the car up. this went on for over 4 months. My house caught fire and we lost everything Credit acceptance was called yet again and this time they were told to pick the car up its sitting at a burned-out house. when they finally came out, they assessed all kinds of baghouse fees and told me i was up to {$8000.00} in monthly payments and fees and this would be added to the loan and the car sold at action. The car sold at action for less than {$7000.00} and they said i was responsible for the rest of the loan. Credit Acceptance add fees and charged me 29 percent interest and hide this information from me after requesting it to come off my credit because they wrote a bad loan. I heard no farther information. I was scammed by this company.

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 2024-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I was referred to XXXX XXXX XXXX, XXXX XXXX , from my sister, who is a close friend to her. In or about XX/XX/XXXX, I emailed XXXX XXXX me and my husband 's personal tax information, along with my husband 's personal identification for years XXXX and XXXX federal/state/muny income tax preparation. In or about XX/XX/XXXX, I was able to sit down with XXXX XXXX at her home and hash through our taxes. She stated that she was going to file our taxes to aid with our student loan issues. Since my husband and I were traveling the following day, XX/XX/XXXX, I told XXXX XXXX that I will send her a payment. While out-of-town, I XXXX  XXXX XXXX {$100.00}. Once back from vacation, I called XXXX XXXX to no response. I was unable to leave a message that I was back, as promised. I texted XXXX XXXX and she responded that she was out-of- town. When asked why didn't she file our taxes an argument ensued. She alleged that I cursed her, did not pay her, and not to call her phone again. XXXX XXXX scammed me out of my money with the guise that she was going to file our taxes, knowing that she had no intention on doing so. I asked for my money back and also XXXX  her a refund request to no response. I initially attempted to resolve this issue with my bank, at no avail. It appeared that my bank blamed me for not knowing that my sister 's alleged friend, XXXX XXXX, was a scammer and no count. To date, XXXX XXXX has not refunded my {$100.00}, nor has filed me and my husband 's taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently review a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I am writing this to ask for full discharge of all of my student loans that were previously managed under Navient. Navient has crossed the line with their misrepresentation of how a loan company should act towards their customers, their deceptive practices, and failure to provide their previous and current customers proper guidance regarding loan repayment. 

Navient has misled me by not giving me the adequate information regarding the income- driven repayment plan. The customer service agent on the other end of the phone calls that were supposed to be experience in their job never informed me of all the different options that were available for me at the time of my multiple calls to get the best relief inorder to start my repayment. I was repeatedly offered to go back into forbearance. If I had known all my available options at the time, especially more about non-profit forgiveness I would not be writing this letter. I definitely was not aware that I needed to annually recertify my enrollment. 

Navients conduct has caused financial harm, sleepless nights worrying about how I can afford to pay back these student loans, especially when they are unwilling to work with you. Yes, I XXXX, and I thank XXXX allowed me to finish, but the amount of my student loan, and with the interest topped on it very difficult to be able to afford. At the end of the day, I relied on Navients guidance when I trusted them to provide me advice. This misconduct has caused me financial burden in more ways than one, and I ask that my Navient loans be fully forgiven. 

Thank you for considering my request. I hope that CFPB will take action and hold Navient accountable for these actions and provide borrowers with a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: EdFinancial Services
State: NJ

Complaint narrative:
I have not signed nor consent any other contract with my student loans besides XXXX  in XXXX  When I attended XXXX XXXX. Theyre on after they transferred it over to a company called XXXX Dept of ED and now some new company thats called EDfinancial has removed XXXX And now they are taking over these are all people taking my contract without my consent therefore XXXX is closed my contract is 100 % closed. My two Federal loan accounts should be completely closed to my demand what they are doing is completely illegal and without my consent. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: CA

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 2024-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
ive had a checking and saving and joint account with chase they email me one day before set get my social securty check they locked me out claiming fraud i asked for proof refused to give me proof i also asked to file a appeal told me i wasnt allowed to appeal i had at time XXXX no over drafts bank has since taken XXXX for unknown bank charges my check came on XX/XX/XXXX i have no access told me will give me my check if they decide to do so its been 4 days since i ate i cant pay bills or buy food i need my check to live i went to local branch said to leave i wont get my check this is horid i need to live i cant been weak since this happen i try everyday access but no dice they said will close account but still wont give me my money they owe me XXXX my social securty check is XXXX XXXX balance in account then XXXX in another account .... all started when friends sent XXXX some cash for my bday.. before i touched it i called chase bank 3 times to make sure it was real they said was posted and was valid money said to use it... i did this happens no fraud was ever done .... XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 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: GA

Complaint narrative:
XXXX  account ending in XXXX is not my account and doesn't belong to me. I did not authorize or approve for any loan or credit to be used in my name. I do not have any business with this company. I reached out and spoke to XXXX XXXX on XX/XX/year> and she stated they had 5 contact numbers for me which none of those belonged to me. The account is showing 60 days late on my credit report for {$100.00}, and this account should be 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 2024-10-06 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:
XXXX  account ending in XXXX is not my account and doesn't belong to me. I did not authorize or approve for any loan or credit to be used in my name. I do not have any business with this company. I reached out and spoke to XXXX XXXX on XX/XX/2024 and she stated they had 5 contact numbers for me which none of those belonged to me. The account is showing 60 days late on my credit report for {$100.00}, and this account should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Synovus Bank
State: TX

Complaint narrative:
This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-06 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: MN

Complaint narrative:
Recently checking my credit report I noticed that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of here are the inquiries I've found : XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX  XX/XX/year>, XXXX XXXX XXXX XX/XX/year>. Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well.

Company response to consumer: Closed with explanation