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

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent : Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX has violated my rights.

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

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 2024-09-09 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent : Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX has vio

lated my rights. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently pulled my credit report and requested that the company due an investigation. After they completed their investigation, I received updates on my report that were not removed and no information was provided to me about the account. There is no proof that these accounts belong to me from any of the agencies reporting negatively on my account. 

XXXX XXXX- {$0.00} Santander XXXX {$17000.00} XXXX  XXXX Auto - {$13000.00} XXXX XXXX XXXX - {$64.00}, {$290.00} XXXX XXXX {$420.00} XXXX  - {$5600.00} XXXX XXXX  XXXX {$700.00} XXXX  - {$8000.00} I also never gave these companies permission to pull my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently pulled my credit report and requested that the company due an investigation. After they completed their investigation, I received updates on my report that were not removed and no information was provided to me about the account. There is no proof that these accounts belong to me from any of the agencies reporting negatively on my account. 

XXXX XXXX- {$0.00} XXXX  XXXX {$17000.00} XXXX  XXXX Auto - {$13000.00} XXXX XXXX XXXX - {$64.00}, {$290.00} XXXX XXXX {$420.00} XXXX  - {$5600.00} XXXX XXXX XXXX {$700.00} XXXX  - {$8000.00} I also never gave these companies permission to pull my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to express my serious concerns about multiple discrepancies on my credit report. After reviewing it, I noticed several inaccuracies, including incorrect account entries, billing inconsistencies, and accounts that do not belong to me. These issues are jeopardizing my financial security, and I urgently seek your assistance in addressing them.

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to express my serious concerns about multiple discrepancies on my credit report. After reviewing it, I noticed several inaccuracies, including incorrect account entries, billing inconsistencies, and accounts that do not belong to me. These issues are jeopardizing my financial security, and I urgently seek your assistance in addressing them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
The name of the company is XXXX and XXXX XXXX They seem to be debt XXXX. 
They are trying to collect the debt that was cleared by a XXXX  court. 
I informed them of this information but they are 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 explanation
Consumer complaint received 2024-09-09 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: NY

Complaint narrative:
I looked at my report recently and noticed somethings are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporti my agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the indivisiual about whom the report relates. 
I sent a letter asking them to investigate these accounts listed below because XXXX XXXX bank XXXX date is not reporting correctly, date last active date of last payment is not correct, this account is not mines. 

Thank you for your attention to this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : XXXX XXXX XXXX Account number XXXX Please provide me with the following : ( XXXX ). Full accounting for this account : ( XXXX ). Copy of the assignment of purchase from the creditor ( XXXX ). Every charge and what was purchased, fee, payment, credit, interest ( XXXX ). How you calculated what you claim I owe ( XXXX ). ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ). Full chain of assignments from charge off to present ( XXXX ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXXXXXX ) & ( XXXX XXXX XXXX  XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$XXXX} per violation. My attorney who specializes in suing debt XXXX will be on standby waiting for my instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/year>. I sent a letter to XXXX, XXXX and Transunion regarding inaccurate information reported on my credit report. As of today, I have not received any response from any of the agencies. I request this account be permanently deleted as it violates my rights by continually reporting inaccurate information that does not match the records of other consumer reporting agencies. This situation is extremely frustrating. Despite my efforts to contact you to investigate and provide proof of validation, I have not received any response or validation.

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My report is not accurate and incomplete. Payments show delinquent for XX/XX/year> and XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  according to the fair credit reporting act whenever a consumer reporting Agency prepares a consumer reporting it shall reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates to. 15USC 1681 ( c ) ( b ) and according 15USC 1681 I5 They are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information. ( A ) In general after reinvestigation under paragraph ( 1 ) of any information diputed. Please also see attached invoice provided by XXXX XXXX wich shows the inaccuracies on reports.

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 2024-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XX/XX/year> Subject : Complaint Against Bank of America for Fair Credit Reporting Act Violations and Discrimination Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Bank of America for their violation of the Fair Credit Reporting Act ( FCRA ), discriminatory practices, and failure to provide required documentation. 

Account Details : * Bank : XXXX XXXX XXXX * Account Number : XXXX  * Type : XXXX XXXX XXXX XXXX : * FCRA Violations : Unfairly closed my secured credit card. 
Retained security deposit. 
Failed to provide Form 1099-C.

Discriminatory Practices : Disproportionately impacted XXXX XXXX  customers. 

I have attempted to resolve this matter directly with Bank of America, but they have failed to address my concerns. I believe their actions have caused significant financial harm to me. 
I am requesting that the CFPB investigate this matter and take appropriate action against Bank of America for their violations. 

Thank you for your attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity. The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

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

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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

Complaint narrative:
As I was checking out my credit profile I came across some inquiries that didn't belong 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 non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was given the submission form for the School Misconduct Discharge Application after my first CFPB complaint and speaking with a NAVIENT service representative on the phone. I was never sent the hard copy in the mail that I was told to expect, but instead was sent it via the portal on their site, which I did not see until weeks later. It informed me that my loans may qualify for discharge and to fill out the application in order to start the process. 

I then took months to submit 200 pgs of information about the school 's misconduct and how it had caused harm to my life, exactly as the form instructed. It was difficult and painful at times to write, but I finally sent them the binder a week ago. Five days later I received word that my application had been denied because my loans did not qualify because they were consolidations. Only one is a consolidation, but I do not understand why they both would not qualify. I have paid far more than the principal for each at this point and continuing to collect on a fraud-based debt at 12.5 % is predatory as well as cruel. We have already paid for something that we should never have had to pay for in the first place- and yet they still want to collect on it? 

I was extremely upset by their denial of all of my application for those two loans that I have with them, totalling around XXXX, when I had been instructed that my loans might qualify. All of my Federal debt from XXXX XXXX XXXX has been wiped out as a result of the XXXX XXXX XXXX XXXX and I feel that it is cruel and grossly unfair that NAVIENT continues to collect on debts from the same school experience. They say that my loans do not qualify because they are consolidations, but I have known many others who possess the exact loans and had them discharged as a result of filling out the same exact application.

I was shown false job statistics prior to enrollment. There was no mention of the holder rule that I could find on the promissory note, which I know is a federal violation of the holder rule. These are loans that originated in a well-documented case of higher education fraud and they should all be dismissed instead of continuing to be collected upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First National Collection Bureau, Inc.
State: SC

Complaint narrative:
The Original creditor was XXXXXXXX XXXX  this account was paid but did not credit the account, many attempts with the original creditor to resolve were ignored. This debt has been sold more than once. This account has been paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-09-09 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: FL

Complaint narrative:
XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian credit reporting agency , block and remove 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 auto loan account by XXXX XXXX  opened on XXXX in the amount of {$47000.00}, a XXXX XXXX account opened XXXX by XXXX XXXX the amount of {$80000.00}. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent charge offs appearing on my consumer FICO credit report. I've attached a list of the 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, charge offs, or hard inquiries as reported. The aforementioned accounts, charge offs, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me nor is this a mistake on my part. All of the aforementioned accounts, charge offs, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, charge offs, 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 2024-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On or around XX/XX/XXXX I recieved a letter from Kohls stating that Capital One would be taking over all Kohls credit accounts this year and they added a list of benefits along with all your typical credit card fine print. After reviewing I decided I did not agree to these new terms and so called the Kohls credit card company to close my account. It took a couple phone calls due to being hung up on, but i did manage to close the account and then later that month recieved the written confirmation of the Kohls card closing. Forward to today, XX/XX/XXXX, I recieved in the mail a new Kohls Capital One Visa credit card with a limit that matched my Kohls account. It states that this is " for my new account ending in XXXX XXXX XXXX XXXX XXXX. I had already spent well over an hour cancelling this account and am now having to spend even more time on a credit card that wants to charge me a crazy high interest rate if i do use the card. It's more than the discount one recieves for using the card. Not to mention all the other hidden fees and loop holes to charge you where and when they can. Capital One is not presenting themselves to be a benefit to my wallet nor anyone elses from what I've read!

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

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also 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