vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-10 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-01-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Formal Dispute of Credit Inquiry Pursuant to FCRA Laws- OneMain Inquiry on XXXX Dear CFPB Office of Consumer Response, I am writing to formally dispute a credit inquiry listed on my credit report originating from XXXX, which occurred on XX/XX/2022. This dispute is made in accordance with the Fair Credit Reporting Act ( FCRA ) regulations, which XXXX consumers the right to accurate and fair credit reporting. 

Details of the Disputed Inquiry : Creditor : OneMain Inquiry Date : XX/XX/2022 Credit Bureau : [ Specify the credit bureau where the inquiry is listed ] Basis for Dispute : Upon careful examination of my credit report, I can confirm that I did not provide authorization for, nor did I initiate any credit application or transaction with OneMain on the mentioned date. As per FCRA regulations, I am entitled to accurate and timely information in my credit report, and any inaccuracies or discrepancies must be promptly addressed. 

Requested Actions : I kindly request the following actions in accordance with FCRA guidelines :

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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: IL

Complaint narrative:
I started this issue with the XXXX  back in XX/XX/XXXX and it still has not been resolved. 

I am still waiting on the letter from XXXX XXXX as they once again reported me as delinquent but instead of in XX/XX/XXXX they changed it to XX/XX/XXXX. 

I have XXXX weeks to move and my and my kids now have no were to go because of this. 

I have contacted a lawyer, and plan to sue XXXX XXXX as they are unwilling to fix their issue. 

They have reported illegal information, this card had nothing at all to do with the bankruptcy, nothing at all, I do not understand why it is so hard for them to read. 

I will try again the XXXX XXXXXXXX was filed in XX/XX/XXXX, and XXXX in XX/XX/XXXX if the card was not open in XXXX it could not be included in the bankruptcy, it was illegal of them to closed the account using an old bankruptcy case. 

And no payments were late, as they refused to take a payment from me in XX/XX/XXXX this is all XXXX XXXX error. 

Attached is a new XXXX report showing the delinquency that XXXX XXXX report on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: NC

Complaint narrative:
On XX/XX/24, I received a letter from US Bank dated XX/XX/24 stating they'd elected to close my credit card account effective immediately and that all reward points were forfeited upon closure. The points amounted to about XXXX points, or roughly {$1400.00} in value from a recent sign up bonus and spend, that were instantly lost without reconciliation citing its alleged terms all while incapable of identifying an issue signaling the justification for its closure. Further, the {$400.00} annual fee that was paid upon opening in the XXXX wasn't returned, and this is a theft of well over {$1500.00} in value. That I even need to waste my time advocating that their criminality be reversed is abhorrent and abusive behavior.

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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I did not give authorization or start these accounts, and it is unjust for me to bear responsibility for them. I implore you to take prompt action to correct this mistake

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 2024-01-09 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: NJ

Complaint narrative:
I did not give authorization or start these accounts, and it is unjust for me to bear responsibility for them. I implore you to take prompt action to correct this mistake

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 2024-01-10 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: WI

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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 2024-01-10 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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX Balance : {$6500.00} ; XXXX XXXXXXXX Balance : {$4300.00} ; XXXX XXXXXXXX Balance : {$6200.00} ; XXXX XXXX Balance : {$6200.00} ; XXXX XXXXXXXX Balance : {$0.00}.

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 2024-01-10 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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX Balance : {$6500.00} ; XXXX XXXXXXXX Balance : {$4300.00} ; XXXX XXXXXXXX Balance : {$6200.00} ; XXXX XXXX Balance : {$6200.00} ; XXXX XXXXXXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MO

Complaint narrative:
To whom it may concern, Hope you are doing great. I signed a lease with XXXX XXXX XXXX XXXX XXXX to rent an apartment foXXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXXXXXX XXXX. However, the leasing company wanted to assign me to XXXX XXXX XXXX XXXX with a different floor plan. The company lied about my leasing address and floor plan. When I declined to move to a different address other than the one on my lease, the company wanted to charge me with {$6800.00} besides the {$1300.00} deposit I paid. The company also lied about that we could have our deposit waived if we got a guarantor company designated by the leasing office in order to induce us to sign the lease early. The leasing company refused to return my deposit and sent {$6800.00} I did not owe to Hunter Warfield collection company. I was tortured at the XXXX XXXX XXXX XXXXXXXX XXXX because I didnt support Joe Biden . The leasing company is colluding with Hunter Warfield to retaliate against me after XXXX XXXX was charged. I dont think the US laws and Constitution allows any resident in the United States to be tortured and blackmailed for their political stance. Furthermore, any resident should not be tortured by people colluding with foreign countries for election wins and other corruption practices like trying to deprive our lawful immigration status due to our political affiliations and using secret codes like numbers and movies to communicate with foreign countries for political collusions and other illegal practices by selling or distributing sensitive information of US residents. It sounds a personal problem, but it is ( potential ) voter intimidation, political retaliation, physical and mental torture and harassment related to elections and politics. I hope you can investigate such pervasive corruption practices. If you need any further information and evidence, please feel free to contact me at XXXX. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: OH

Complaint narrative:
XXXX XXXX XXXX, ACCT # XXXX, is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. 15 U.S. Code 1692 states that upon any disputed item on a consumers credit report, the debt collector shall cease collection of the debt, or any disputed portion thereof. Therefore, this is in violation! According to 15 US Code 681s-2, 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. This collection, by law, MUST be DELETED from my credit report immediately.

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 2024-01-10 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: NY

Complaint narrative:
I am writing to file a formal complaint against Navy Federal Credit Union regarding a dispute with XXXX XXXX XXXX. The company engaged in false advertising, stating that individuals who sign up will only pay per booking. However, I was charged {$2500.00} with no contract, agreement, or deliverables provided. I have filed a dispute with NFCU, but there has been no response.

Timeline of Events : 1. False Advertising : XXXX XXXX XXXX falsely advertised a pay-per-booking model, which enticed me to sign up for their services.

2. Unauthorized Charges : Instead of paying per booking, I was charged {$2500.00} without any contractual basis, agreement, or services rendered.

3. Request for Refund : I promptly requested a refund from XXXX XXXX XXXX due to the lack of services and the misrepresented payment structure.

4. Dispute Filed with Navy Federal Credit Union : I filed a dispute with NFCU to rectify the unauthorized charges, but there has been no response, exacerbating my financial difficulties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: MO

Complaint narrative:
Attempting to repay loan balance however website login is not properly functioning. Am unable to login to account and hold times on phone customer service are over an hour long. All loan information is only available through website. This results in a complete inability to pay loan which may cause penalties or late payment reported to credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
I opened a VENMO account to receive payment of {$800.00} from a different VENMO user. 
the user paid {$800.00} into my account on XX/XX/XXXX ( {$1.00} ) and on XX/XX/XXXX ( {$790.00} ). 
right after funds were in my venmo account I tried to transfer into my bank account and received an error message that my account was frozen. 
contacted venmo and provided all documents requested to prove identity XX/XX/XXXX. 
finally received response from venmo that proof of ID had been received and my account was unfrozen on XX/XX/XXXX. 
I tried to access my money when I received this account unfrozen email on XX/XX/XXXX but account was still frozen and money inaccessible. 
since XX/XX/XXXX I have sent over XXXX emails and called 3 times to request help getting this problem fixed. every time I am told that they have all documents needed and my account will be corrected within 24 hours. 
it has now been 2 months that Venmo is holding my money without my permission and I continue without access to my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: TN

Complaint narrative:
I got a call on XX/XX/XXXX from a company claiming to be a company that could help with my student loan forgiveness. They had my address, email, SSN as well as the balance of my loans. They also had access to me XXXX ID and was able to change it using my email address. I was told them could forgive over {$250000.00} of my student loans but I would have to pay {$360.00} for 6 months and then {$69.00} for 240 months but after that my loans would be forgiven. At first they seemed legit but I applied for student loan forgiveness and never got a response. 

I got concerned because I was asked if I had the call on the speaker phone and if anyone was in the room with me. I then asked the person I was on the phone with if they had me on speaker phone and they chuckled and said no. I then could hear my voice echoing and I could hear people in the background. 

I spoke with two individuals, one by the name of XXXX and the other person was her supervisor. They both had heavy accents and spoke in a bit of broken English. The number they called from was XXXX and they sent emails to my email account from this address : XXXX I ended up hanging up because the 2nd person laughed a little bit too much and did not address my concerns about repeating my SSN outloud as well as other information. They did not call back and the documents they were supposed to send me have not arrived in my email and they claimed they were from the Department of Education. I don't think this was legitimate but I would like to know what happened to my actual paperwork that I filed in XX/XX/XXXX for loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Take a look at the attached documents. I request the bureau to commence an investigation into these accounts, as I am never late, but they are being reported as such.

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 2024-01-10 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: FL

Complaint narrative:
I have written to you several times to update my personal information. 
According to 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting organizations carry out their grave obligations with justice, impartiality, and respect for the customer 's right to privacy. 
I demand that all personally identifying information be removed from my consumer credit report. According to the FAIR CREDIT REPORTING ACT, 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer with a right to privacy. Not granting my rights is a direct violation of 15 USC 1681 and its subsections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have written to you several times to update my personal information. 
According to 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting organizations carry out their grave obligations with justice, impartiality, and respect for the customer 's right to privacy. 
I demand that all personally identifying information be removed from my consumer credit report. According to the FAIR CREDIT REPORTING ACT, 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer with a right to privacy. Not granting my rights is a direct violation of 15 USC 1681 and its subsections.

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 2024-01-10 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: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2024-01-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
today was my third attempt to resolve this issue XX/XX/2024 I signed up for a class action and XXXX XXXXXXXX took it upon themselves to change my mailing address to the lawfirm that represents this classaction I never gave them ( XXXX XXXX  ) permission or the Law firm XXXX XXXX XXXX XXXX ) permission to make these changes. I called the law firm also by XXXX their information they have no reason to change my address nor was this requesred by this firm as well as myself. Now i have this law firm address reporting on all three of my credit bureaus as a known new address??? I am so upset XXXX XXXX XXXX  gave me the run around as well as all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: FL

Complaint narrative:
SIRS, HAVE BEEN SENDING VARIOUS COMPLAINTS ABOUT THE TOTAL IN CORRECT INFORMATION IN MY CREDIT FILE! 
FRAUDULENT ACCOUNTS BELONGING TO ANOTHER XXXX XXXX ARE BEING REPORTED IN MY CREDIT FILE.I HAVE FILED AN FTC REPORT XXXX XXXX 
FRAUDULENT ACCOUNTS AS FOLLOWS LISTED ON FTC REPORT! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT NOT MINE, UNATHORIZED! 
PLS BLOCK ALL THESE FRAUDULENT ACCOUNT, FTC RULES AND REGULATIONS.

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