vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-11 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: IL

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 : XXXXXXXX XXXX XXXX XXXX : XXXX, XXXX XXXX : 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 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 2024-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings
State: FL

Complaint narrative:
this company is reporting on credit but i have no knowledge of this account. please remove, i was victim of Identity theft.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DSR HOLDINGS GROUP, LLC
State: WI

Complaint narrative:
A debt collector continuously calls me at least four times throughout the week. They have begun contacting my grandparents and parents. The debt collector asks them for my information and informs them that I owe a large amount of debt. The debt collector informs them who I owe the debt to but not the amount. The debt collector leaves voicemails at least twice a week if my grandparents or parents do not answer. My mother had asked them to stop calling her, but they continue doing so. My grandparents feel the debt collector is intimidating them by saying that they are trying to locate me and found their information so they know they are my grandparents. The debt collector told my mother, we found your information so you are her mother, and when my mother told them she was not providing my personal information to them and asked for their name, the debt collector disconnected the call ; however, they continue to call. 
I do not let any companies know about my family relations, so I am unsure where they received the contact information for my family members. Any financial matters are personal ; therefore, the debt collector is releasing my personal matters to others without my consent. This complaint has not been communicated to the debt collector that continuously harasses my family because we do not know who the debt collector is since they fail to identify themselves other than saying DSR.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: United PanAm Financial Corp.
State: GA

Complaint narrative:
Credit inquiries on your report that you don't recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
Credit inquiries on your report that you don't recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
In XX/XX/year> I entered into a long term hardship program where I was informed each month my payment would be automatically withdrawn from my account then in XXXX I also called requesting to pay the balance off company refused because I was on the hardship program then charged my account off in XXXX witch is inaccurate because they were supposed to be withdrawing payments on the plan and spoke with company requesting proof and phone call reviews they refused to help or review calls when they say all calls are recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Citi Bank is charging me for fradulent charges. They had previously removed the charged but they have returned to my account. I had already provided them with the postmaster 's case number from when the our XXXX XXXX was XXXX XXXX and our XXXX XXXX XXXX. I have attemped to report this issue to them several times. 

The company is claiming that the card was embedded with a chip and therefore they claim that the charges were liget but I had previously explained to them over the phone that it was a resolt of XXXX XXXX and I provided the postmasters case number.

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 monetary relief
Consumer complaint received 2024-05-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One did hard credit inquiry without my consent on XX/XX/2024. Also it seems they applied for their credit card. Which I never asked for or applied for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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: IL

Complaint narrative:
This inquiry is unauthorized and appears to be fraudulent ; I have no knowledge of these inquiries. Please take immediate action to address this issue. See the attached documents for reference.

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 2024-05-11 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: GA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Email : XXXX To Whom It XXXX Concern, Per the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
Bank XXXX XXXX : Acct # ending XXXX, XXXX : Acct # ending XXXX, XXXX and any late payments from merchants has violated my rights. 

XXXX - XXXXXX/XX/XXXX XXXX Balance - {$5.00}, this is incorrect. 
This information is incorrect from XXXX. 
Current Address XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX. 

The credit Bureau 's reporting is inaccurate. Furthermore, if they went back and fixed the inconsistency, they did not raise my XXXX XXXX which should have been the correct outcome. Instead, XXXX retaliated against me by lowering my XXXX XXXX even further because I filed a complaint with the CFPB.

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 2024-05-11 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: IL

Complaint narrative:
I earnestly plead with you to promptly take decisive steps to eliminate the unauthorized inquiry from my credit report without any further delay.

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 2024-05-11 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I attended the XXXX XXXX from XXXX, graduating with a XXXX XXXX XXXX XXXX in XXXX. From XX/XX/XXXX through XX/XX/XXXX a total of {$83000.00} was taken out in Navient private loans. From the moment of recruitment though all of attending the school, there was constant pressure to sign. Sign intent to attend the school, sign the loan docs to start classes, cant attend classes until loans are secured, Can't register until money has come in. All were threats of being dropped by the school and the school had Navient in their pockets which XXXX ( owner of XXXX at the time orchestrated ). At some point that original XXXX skyrocketed to XXXX with interest rates climbing to almost XXXX  %. I have been making payments since XXXX and my private balance is still around XXXX with XXXX of that still with Navient, I have not defaulted on my payments and have even paid some loans in full since starting repayment. I am a stay at home mom and have had no relief of decreased payments throughout the years, only increases which has put stresses on my spouse whose not responsible for my debt. 

The school has since closed for fraudulent practices. I have filed a Borrower defense to repayment in XXXX for my federal loans, which was approved and waiting on the remainder to be forgiven. The remaining debt of my private loans is effecting me to live my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: CT

Complaint narrative:
I earnestly plead with you to promptly take decisive steps to eliminate the unauthorized inquiry from my credit report without any further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I REVIEWED MY CONSUMER CREDIT REPORT AND NOTICE THATI HAD XXXX ( XXXX ) LATE PAYMENTS ON AN ACCOUNT THAT I NEVER WAS LATE LIKE MY OTHERS ACCOUNTS AND THE CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSABILITY TO REPORT CONSUMER INFORMATION TO THE BEST OF THEYRE ABILITY WHIT MAXIMUM ACCURACY, I HAVE NEVER BEEN LATEON PAYMENTS FOR THE ACCOUNT ( NAME : XXXX XXXXXXXX ) ( XXXX ) PLEASE INVESTIGATE AND PROVIDE PROOF WHIT STATEMENTS SHOWING THAT THOSE PAYMENTS WERE LATE. 
IF THE PROOF CAN'T BE PROVIDED, I DEMAND THESE PAYMENTS BE UPDATED TO ON TIME AS THEY SHOUD BE AS I WAS NEVER LATE. 

THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: MD

Complaint narrative:
I kindly request the immediate removal of this inquiry from my credit report, as it is not associated with me, and I have no affiliation with the involved creditors.

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 2024-05-11 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:
PLEASE BLOCKED AND REMOVED I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I was on an account with my mother in law, XXXX XXXX, who recently passed away. She passed on XX/XX/year>. When I went to close my account, it was discovered that transfers were made from the account using her credentials AFTER her death. I went into the PNC Bank XXXX on XXXX XXXX in XXXXXX/XX/XXXXand spoke with the XX/XX/XXXXXXXX, XXXX XXXX. She spoke to theXX/XX/XXXXXXXX and was advised that they would not allow me to file a complaint. They are violating XX/XX/XXXX XXXX I gave PNC a copy of the death certificate from the state of XX/XX/XXXXshowing that it could not be my mother in law as the transaction that took the balance was initiated several days after she was gone. While it may not be a large sum of money, PNC is failing in their fiduciary duty to protect my accounts. They pretty much advised me that if transactions are made that I myself did not perform, or that I know to be fraudulent, there is no recourse. This should not be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: TN

Complaint narrative:
Experian is unlawfully reporting an account I filed identity theft and fraud reports against that should be deleted. XXXX account number XXXX is a fraudulent, closed/written off account that Experian has taken my original balance from {$3800.00} to {$11000.00}, close to a XXXX percent rate, is considered XXXX and XXXX, and is a substantial negative on that asinine reporting. I am considering FCRA sections XXXX and XXXX, which are foundationally written into law for these tactics by Experian is called for. Further, there are no details on monthly payment amounts, last delinquencies, terms of the title loan, refusal of my right to rescind, unlawful repossession without XXXX days ' notice, and after only XXXX days past the first payment, forcing a Chapter XXXX Bankruptcy for temporary protection.

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
A credit card that was fraudulently opened in my name back in XXXX has reappeared on my credit report. This charged off card has been removed since XXXX of XXXX and has appeared back almost XXXX  months later. This card is not my responsibility and i would like for it to stop showing on my XXXX report via Experian and XXXX XXXX i called XXXX trying to remove it and it is not visible on their end.

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
A credit card that was fraudulently opened in my name back in XXXX has reappeared on my credit report. This charged off card has been removed since XXXX of XXXX and has appeared back almost XXXX  months later. This card is not my responsibility and i would like for it to stop showing on my XXXX report via XXXX and XXXX XXXX. i called XXXX trying to remove it and it is not visible on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: HI

Complaint narrative:
] Subject : Notice of Data Breach and Intent to Pursue Litigation Dear Credit Bureau 's I am writing to formally notify you of a significant data breach that has affected me and potentially compromised my personal and financial information. As a result of this breach, I have suffered damages and incurred expenses that I believe are attributable to your organization 's failure to adequately protect my data. 

My SSN, Personal Information was Compromise data Beach should be removed in 24 hours.

Despite your legal obligations to safeguard sensitive consumer data under the Fair Credit Reporting Act ( FCRA ) and other applicable laws, it is evident that your organization failed to implement adequate security measures to prevent unauthorized access to my personal information. This failure has caused me significant harm, including [ list any damages or expenses you have incurred as a result of the breach ]. 

Given the seriousness of this matter and the extent of the damages I have suffered, I am hereby notifying you of my intent to pursue litigation against your organization to seek redress for the harm caused by the data breach. I believe that your negligence in protecting my personal information constitutes a violation of my rights under the FCRA and other relevant statutes, and I am prepared to take legal action to hold your organization accountable for its actions. 

Please be advised that I expect your full cooperation in resolving this matter promptly and amicably. However, if a satisfactory resolution can not be reached through negotiation, I will have no choice but to pursue litigation to protect my legal rights and seek appropriate compensation for the damages I have incurred. 

I urge you to take this matter seriously and to provide a prompt response to this letter. If you require any additional information or documentation from me regarding the data breach or the damages I have suffered, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,

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 2024-05-11 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: TX

Complaint narrative:
TransUnion was Advised they were reporting frivolous names And addresses, agent was unable to verify my identity stating that I will need to send my Social Security card through the mail, I refused asked it was another way, call disconnected

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 2024-05-11 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: MA

Complaint narrative:
I REVIEWED MY CONSUMER CREDIT REPORT AND NOTICE THATI HAD XXXX ( XXXX ) LATE PAYMENTS ON AN ACCOUNT THAT I NEVER WAS LATE LIKE MY OTHERS ACCOUNTS AND THE CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSABILITY TO REPORT CONSUMER INFORMATION TO THE BEST OF THEYRE ABILITY WHIT MAXIMUM ACCURACY, I HAVE NEVER BEEN LATEON PAYMENTS FOR THE ACCOUNT ( NAME : XX/XX/XXXXXXXX ) ( XXXX ) PLEASE INVESTIGATE AND PROVIDE PROOF WHIT STATEMENTS SHOWING THAT THOSE PAYMENTS WERE LATE. 
IF THE PROOF CAN'T BE PROVIDED, I DEMAND THESE PAYMENTS BE UPDATED TO ON TIME AS THEY SHOUD BE AS I WAS NEVER LATE. 

THANKS

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was looking at my report and notice there were some things that was not correct. I sent a letter to Experian and XXXX on XX/XX/2024 here is my tracking number XXXX XXXX XXXX XXXX XXXX XXXX. But it has been more than XX/XX/XXXX days, Experian still haven't responded to my letter. That a violation of XXXX XXXX XXXXXX/XX/XXXXSubject to subsection XX/XX/XXXX and except as provided in subsection XX/XX/XXXX, if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Delete this account Because of Violation Under XXXX XXXX XXXXXX/XX/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