vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-14 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: OH

Complaint narrative:
Hello, My credit report was updated this week and now shows that XXXX is reporting my XXXX  balance incorrectly. 

I have a roughly {$120000.00} balance, but they are reporting that I owe over {$270000.00}. I consolidated my loans in XXXX and now the original, individual loans are showing as well as the new balance on the consolidated loans. I didnt bother to call them because it takes hours to get someone on the phone, and I finally do get to talk to someone, they never have any substantive answers. 

Please look into this. I have seen others reporting this same issue on XXXX. My husband and I just sold our house and need to find our next home, so this is a massive problem for me. 

Thank you for your time and help, 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 2024-09-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
On XX/XX/2024 I settled my debt with the CBE group for {$100.00} from the original debt of XXXX. I have pics of the settled amount and payment submitted. I called them on XX/XX/2024 and requested a receipt and I never received one but they updated my account with XXXX stating I still owed a balance of {$41.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I received notifications to my cell phone of withdrawals that I did not make from my banks smartphone app on XX/XX/year>. The charges appeared to be from an ATM for approximately {$500.00}. I then logged into the account and did not see these withdrawals posted. Once I saw them in my statement I called the bank and began a fraud claim and requested a new card. Currently am awaiting an update and confirmation I will not have to return the provisional credit that was applied to my account. Thank you.

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 2024-09-14 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:
This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 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 consists of the following accounts and hard inquiries : 1. Account Name : XXXX Account Number : XXXX Date of Adverse Information : XX/XX/XXXX Reason for Dispute : Identity theft and directly related to XXXX  experience. 2. Account Name : Department of Education Account Number : XXXX XXXX XXXX XXXX Date of Adverse Information : XX/XX/XXXX Reason for Dispute : Identity theft and directly related ot XXXX  experience. 3.

Account Name : Department of Education Account Number : XXXX XXXX XXXX XXXX Date of Adverse Information : XX/XX/XXXX Reason for Dispute : Identity theft and directly related ot XXXX  experience.

.

Inquiry Name : XXXX Date of Inquiry : XX/XX/XXXX Reason for Dispute : Identity theft and directly related to XXXX  experience. Inquiry Name : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Reason for Dispute : Identity theft and directly related to XXXX  experience. 3. Inquiry Name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Reason for Dispute : Identity theft and directly related to XXXX  experience. Inquiry Name : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Reason for Dispute : Identity theft and directly related to XXXX  experience.

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. 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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I am currently in my XXXX year working full time at a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have tried repeatedly over the years to get in on this program. Ive contacted them when I couldnt even access my personal student loan information for long periods of time. Then I couldnt figure out how to apply for the program or what to do. So many, many times I could not get through to anyone as Id be on hold for literally hours. Then the few times I did speak with someone - I was always told my better option was to put my loans in forbearance for the time being then sign up for the program after the forbearance was up. The most recent that this occurred was during the COVID pandemic. But that was not the first time. That was probably the tenth time that had happened, at least. My kids thought I didnt know what I was talking about because they had called and had someone super helpful walk them through step by step in the process, follow up with them to make sure everything got set up, etc. Then on a few occasions Id had them with me when I tried to call and they realized I wasnt exaggerating or making excuses- I literally couldnt get through and when I did it was suggested I just put the loans in forbearance again. My loans now, with interest over the years, have probably tripled in the amount owed ( Im not sure exactly- bc I was never able to get exact information so many times ). In the meantime, my husband died ( very unexpectedly ) and now with only my income- I barely am able to pay basic living bills month to month ( living expenses, insurance and taxes take up almost all of my pay ). Now the COVID forbearance is over and the only options Ive now been given ( and I honestly dont even know who the company is anymore thats servicing the loans- I thought it was still Navient but apparently not? ) are payments that are more than half of my bring home pay. Its so frustrating and stressful and impossible to figure out. And I accept a lot of the responsibility for taking out the loans and not paying on them for so long. But now I cant get any loans due to the high debt, Im XXXX XXXX XXXX and I dont see any kind of doable resolution. Its just that for so long I tried to get help and it wasnt available its made the situation that much worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit file/report is furnishing multiple names, addresses, and wrong employment information. I request that the credit reporting agencies update my credit file to reflect my proper address, one name, and correct employment. I was told that those were credit history and can not be removed. I informed the agencies that the previous addresses are non-mailable and improper. I informed that of my correct and true name.

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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit file/report is furnishing multiple names, addresses, and wrong employment information. I request that the credit reporting agencies update my credit file to reflect my proper address, one name, and correct employment. I was told that those were credit history and can not be removed. I informed the agencies that the previous addresses are non-mailable and improper. I informed that of my correct and true name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: UT

Complaint narrative:
My bank account information was put on the internet. Someone placed the following charges on XXXX under my bank account. XX/XX/2024 {$9.00} XX/XX/2024 {$23.00} XX/XX/2024 {$1.00} XX/XX/2024 {$21.00} XX/XX/2024 {$7.00} I reported the charges to my credit union which their fraud department investigated. since then they closed my account 's routing number. TRS has been non-stop telling me that I owe money for charges I never made. I sent them a letter from my bank stating that there were fraudulent charges and they won't accept the letter. They tried calling my bank for my information. They are now sending me letters saying they will send me to collections unless I give them my SS # my new bank account # and a copy of my driver 's license. They don't need this information. I contacted XXXX they said they were not sending me to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There was Fraudulent charges on my First Premier card XXXX From XX/XX/year> to XX/XX/year> Also fraudulent hard inquiries recently added to my credit report. We already had this tried to delete these. I filed a complaint wuth the FTC and attached the report report. accordance to the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 use 1681 Account names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RITE TO PRIVACY. 15 U.S.C.1681 SECTION 604 A SECTION 2. IT ALSO STATES THE CONSUMER REPORTINGB AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C.1681C. SECTION STATES : NO CONSUMER REPORING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAIN ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ATTEDATES THE REPORT BY MORE THEN 7 YEARS 15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED 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 2024-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: NY

Complaint narrative:
A scan situation happened around XX/XX/XXXX i have been in contact with my bank about it, opened two disputes which are both now resolved. First dispute ( which included the CashApp transaction ) was claimed as resolved and they were able to give me the CashApp money back. However, around XXXX weeks ago, CashApp withdrew {$400.00} from my bank account and now im overdrawn {$400.00} but my bank had given me the money I had lost & claimed the dispute as resolved. Cashapp states they arent able to do anything and its final decision. Im extremely confused because I should NOT be getting {$400.00} withdrawn from my account, CashApp is being extremely unhelpful and unfair right now- i have a police report about this investigation and disputes were opened, its odd that my account is withdrawn a month after the situation. Ive had XXXX knowledge that they were going to put my account in the overdrawn which is again unfair because i thought my situation was resolved XXXX weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: 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.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, Capital One withdrew {$700.00} from my account without prior notice, citing a disputed XXXX transaction. They said they were 'holding the funds '. On XX/XX/year>, they closed my account and only returned {$0.00} via a 'Checking Closeout by Check '. I filed a previous complaint with the CFPB ( Complaint ID : XXXX ), but Capital One 's response on XX/XX/year> did not address the status of the {$700.00} they withdrew. They only mentioned returning 'good funds ' without specifying the amount. I believe Capital One is wrongfully withholding {$700.00} of my money, which was unrelated to any disputed transaction and came from my job deposit. I request that Capital One return the full {$700.00} they withdrew from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: RecFi,LLC
State: IN

Complaint narrative:
i inquired about a loan with one company for a pre-approval with no impact to my credit, only a soft pull is what I was told then got an alert 2 days later that there were three new inquiries on my credit I gave none of these companies any written or verbal consent to run my credit.

Company response to consumer: Untimely response
Consumer complaint received 2024-09-14 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: BANK OZK
State: IN

Complaint narrative:
i inquired about a loan with one company for a pre-approval with no impact to my credit, only a soft pull is what I was told then got an alert 2 days later that there were three new inquiries on my credit I gave none of these companies any written or verbal consent to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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:
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.

Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2024-09-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX  Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX  Date of XXXX XX/XX/year>, XXXXDate  of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXDate of Inquiry XXXXXX/XX/year>

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 2024-09-14 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:
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.

Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-09-14 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:
Hi Experian, I just received copy of my credit report and I saw this fraud car loan that shall delete from my credit report. 

I REQUEST THE DEBT VALIDATION AND THE SIGNATURE THAT I AGREED TO THIS ACCOUNT. 


I spoke to XXXX XXXX XXXX and I was told that this account is no longer in the system and I have the right to have this inaccurate information delete from my credit report. 

I would like to exercise my right and have this account delete from my credit report.

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 2024-09-14 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:
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.

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 response to consumer: Closed with non-monetary relief