vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX TRANSUNION LLC CONSUMER DISPUTE CENTER po box XXXX XXXX, PA, XXXX Re : Identity Theft Report Account Fraud Notification Dear TRANSUNION, I am writing to inform you that I am a victim of identity theft, and I believe that an unauthorized account has been opened in my name. I did not authorize or apply for this account, and I suspect that my personal information has been used fraudulently. 
Account Information : Name on Account : XXXX XXXX Account Number : XXXX Date of Unauthorized Activity : XX/XX/XXXX NAME ON ACCOUNT : XXXXXXXX XXXX XXXXXXXX ACCOUNT NUMBER : XXX DATE OF UNAUTHORIZED ACTIVITY : XX/XX/XXXX NAME ON ACOUNT : XXXX XXXX ACOUNT NUMBER : XXXX DATE OF UNAUTORIZED ACTIVITY : XX/XX/XXXX NAME ON ACCOUNT : XXXX XXXX XXXX XXXX DATE OF UNAUTHORIZED ACTIVITY : XX/XX/XXXX I request that you immediately investigate this matter, freeze the account, and take the following actions : XXXX. Close or freeze the account to prevent further unauthorized activity. 
XXXX. Remove any negative information related to this account from my credit report. 
XXXX. POLICE REPORT NUMBER : XXXX In addition, I have filed a report with the Federal Trade Commission XXXX FTC ) about this identity theft incident, and I am including a copy of the FTC Identity Theft Report for your records. You can verify this report using the information below. 
Details for FTC Identity Theft Report : FTC Report Number : FTC Report XXXX Date Report Filed : Date XXXX If you require additional information or documentation to assist in the investigation, please contact me at AT THE ADDRESS ABOVE. 
Thank you for your prompt attention to this matter. I look forward to your timely response and assistance in resolving this issue. 
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 non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-11-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NM

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, NM ) for failing to return my security deposit and falsely reporting a debt to a collection agency. 

On XX/XX/year>, I moved out of XXXX XXXX XXXX XXXX XXXX I had provided a written XXXX notice and paid all required fees, including XXXX rent and an early termination fee. I cleaned the apartment and returned the keys as instructed on XX/XX/XXXX. 
After moving out, I did not receive my {$300.00} security deposit or an itemized statement within the legally required 30 days. On XX/XX/XXXX, I received an email from National Credit Systems, a collection agency, claiming I owed {$580.00} ( {$510.00} in rent and a {$69.00} late fee ). The landlord incorrectly recorded my move-out date as XX/XX/XXXX instead of XX/XX/XXXX. 
The landlord applied my security deposit to cover alleged XXXX rent and sent the remaining balance to collections. This has negatively impacted my credit score. 

I contacted XXXX XXXX manager by phone, who claimed to have " created a ticket '' but never followed up. 
I sent a demand letter on XX/XX/year>, with a XXXX deadline, via USPS certified mail. XXXX XXXXXXXX received this letter but did not respond. 
I have filed a dispute on the National Credit Systems website regarding the alleged debt. 
I have filed disputes with XXXX and XXXX regarding the collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: RI

Complaint narrative:
Im requesting your support to address this incorrect account reported on my credit report. It has harmed my reputation as a customer, and I need your help. This account should be removed, as it is inaccurately and negatively reported.

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 2024-11-14 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-11-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westcreek Financial
State: TX

Complaint narrative:
Koalafi tried to charge my XXXXXXXX XXXX for XXXX XXXX I contacted bank and notified about this fraudulent activity. They investigated and sent me letter on XX/XX/year> that they investigated and stoped the payment. I reached out to Koalafi via call several times to pass me details of the lease so I can raise the police complaint, They never provided me the details. On XX/XX/XXXX, I sent them email for the copy as I don't have any details about the transaction. They never responded back and they communicated to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I looked at my credit report on XX/XX/XXXX. I saw an inquiry that I did not authorize. 

Name : XXXX XXXX  Date : XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1881b.

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 2024-11-14 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: MO

Complaint narrative:
Incorrect hard inquiries under 15 USC 16c-2 are harming my credit report. Please delete these unauthorized entries.

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 2024-11-14 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: FL

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Block Request To Whom It May Concern, I am a victim of XXXX and the information listed below, which appears on my credit report, is a result of that XXXX. 

Please block the following information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I would also appreciate receiving notification of the actions taken. 

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  ) Thank you for your prompt attention to this matter. Please find my proof of identity and XXXX documentation enclosed. 

Sincerely, XXXX XXXX Enclosures Proof of identity XXXX Documentation

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 2024-11-14 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-11-14 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: ND

Complaint narrative:
I recently reviewed Experian credit report and noticed that there are fraudulent hard inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Ive never given these companies consent to pull my credit report. Please remove these fraudulent hard inquiries from my Experian 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 2024-11-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC

Complaint narrative:
On the XXXX, I sent money through moneyGram selecting the mobile wallet but the person didn't able to collect it, I want you moneyGram to reverse it to me again. 
Amount of Money is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: GA

Complaint narrative:
I am incredibly upset to see unauthorized inquiries on my credit report, and I am clueless as to why theyre there. When I checked my report today, these unusual entries appeared unexpectedly. Refreshing my browser didnt resolve the issue. I am requesting a detailed review of my documents to ensure this doesnt happen again.

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 2024-11-14 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: Sunbit, Inc.
State: SC

Complaint narrative:
I, the consumer, respectfully submit this complaint to compel a ruling in my favor due to violations of my federal consumer rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801 et seq. ), and the Consumer Financial Protection Bureaus regulations under 12 CFR Part 1016. This complaint asserts the following rights and regulations which have been breached : 1. Right to Opt-Out and Prohibition on Non-Consensual Use of Information ( 15 U.S.C. 6802 ( b ) ; 12 CFR 1016.10 ) Under 15 U.S.C. 6802 ( b ), financial institutions must provide consumers with the opportunity to opt out of information sharing with non-affiliated third parties. This right is reiterated in 12 CFR 1016.10, which mandates that consumers private information can not be disclosed without first providing a clear notice and an option to opt-out. I have exercised this opt-out right ( see attached ), yet XXXX Bank/Sunbit disregarded my election by continuing to share my personal information, thus violating federal law. 

XXXX. Fair Credit Reporting Act Definitions and Requirements ( XXXX5 U.S.C. 1681a ( d ) ( 2 ) ) The definition of " consumer report '' in 15 U.S.C. 1681a ( d ) ( 2 ) has an exclusion as to the types of consumer information that can be shared. In my case, XXXX XXXXSunbit has reported information containing transactions and experiences between the consumer and XXXX XXXXSunbit which are to be excluded from the consumer report. The information disclosed falls under this definition, and disclosure is unauthorized, infringing upon the consumers rights under the Fair Credit Reporting Act. 

XXXX. Negative Information ( 15 U.S. Code 1681s2 ( a ) ( 7 ) ( A ) ) According to 15 U.S. Code 1681s2 ( a ) ( 7 ) ( A ), any financial institution that furnishes negative information to a CRA must provide a notice of such negative information, in writing, to the consumer. XXXX XXXX/Sunbit failed to furnish such written notice to the consumer and has violated this provision of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

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 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
XXXX has been charging me numerous of times and after already taking money and Im not understanding what all the charges are. Ive also been getting overdrafts MULTIPLE times on numerous occasions when Ive had money in my account when I check before making a purchase!

Although I did not document it or think to so I do not have the dates Im sure its in my bank history.

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 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: KY

Complaint narrative:
With Navy Federal overdraft fee when Im supposed to have protection

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 2024-11-14 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-11-14 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: PENTAGON FEDERAL CREDIT UNION
State: AL

Complaint narrative:
In accordance with the Fair Credit Act this Creditor has violated my rights under 15 USC 1681 Section 602 States. I have a right to privacy 15 USC 1681 Section 604A Section 2 states a consumer Agency can not furnish an account without written instruction. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Also violating FCRA Laws, with reporting the account as a charge off without providing me with a 1099C. This is a IRS violation. Reporting fraudulent to the IRS as if they provided me with a 1099C form.

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 2024-11-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquiries that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my credit report. This issue is causing undo stress, and it is negatively affecting my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I submitted a formal opt-out request to SYNCB/AMAZON under my rights provided by the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), specifically referencing 15 U.S.C. 6802. This section mandates that " a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution clearly and conspicuously discloses to the consumer ... that such information may be disclosed to such third party ; and the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. '' I sent this request on XX/XX/year>, and provided ample time for the company to acknowledge and process my opt-out. 

However, despite the legally binding nature of my request, SYNCB/AMAZON failed XXXX respond, acknowledge receipt, or confirm compliance with my opt-out request. This lack of response disregards my privacy rights and violates my consumer protection rights under federal law, as I was not provided confirmation or any indication that my personal information would remain private.

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