vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-08-23 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: NC

Complaint narrative:
I XXXX XXXX SUMMITED 2 FORMS OF identification Proof of address ALONG WITH FTC AFFIDAVIT ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft 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 2024-08-23 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 have been a victim of Identity Theft multiple times, I have been a victim of multiple data breaches where my information was leaked by XXXX, XXXX, and XXXX 
As a result of irresponsible handling of my information has lead to new fraudulent accounts being opened and fraudulent transactions taken place. All have been reported. I have filed disputes over the fraudulent material and XXXX is the only reporting agency who refuses to remove all the fraudulent accounts from my credit report. Other agencies have removed some of the accounts but not all accounts. Again there are fraudulent accounts on my credit report that XXXX claim are my responsibility. They are fraudulent and have been reported to the FTC as fraud. This is costing me opportunities for housing and negative information is being reported to credit agencies. Costing me credit accounts, bank accounts, and housing.

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 2024-08-23 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 have been a victim of Identity Theft multiple times, I have been a victim of multiple data breaches where my information was leaked by XXXX, Equifax, and XXXX 
As a result of irresponsible handling of my information has lead to new fraudulent accounts being opened and fraudulent transactions taken place. All have been reported. I have filed disputes over the fraudulent material and XXXX is the only reporting agency who refuses to remove all the fraudulent accounts from my credit report. Other agencies have removed some of the accounts but not all accounts. Again there are fraudulent accounts on my credit report that XXXX claim are my responsibility. They are fraudulent and have been reported to the FTC as fraud. This is costing me opportunities for housing and negative information is being reported to credit agencies. Costing me credit accounts, bank accounts, and housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: IN

Complaint narrative:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. I am filing this complaint for myself and not anyone else. Please correct and update the following incorrect personal information from my credit file and send me a copy of my most updated 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 2024-08-23 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: IN

Complaint narrative:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. I am filing this complaint for myself and not anyone else. Please correct and update the following incorrect personal information from my credit file and send me a copy of my most updated credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: WI

Complaint narrative:
I have contacted them XXXX times to resolve the account closure, and they have failed to do it as per Credit Agency XXXX Credit Agency. I have contacted the Credit Agency 3 Times to execute the account and close both the Chime Credit builder, checking & Saving. 

The company keeps sending letters stating the information they have is correct ; however, that is not what I asked for -- - I have asked them to close all of my accounts and also close them with the Credit Reporting Agencies as well, but they failed to do it all together. 

I am requesting that CFPB Enforce this per my request because the company is not doing what is supposed to do. 

I am closing this account to keep my accounts organized and I am no longer using their services, nor do I want to continue doing business with them. Leaving open bank accounts not being used leaves me vulnerable to cyber attacks and impersonators doing business in my name. 

I want a written notification letting me know this has been completed, and also for it to reflect on my credit reports. All time they fail to do the later which is relinquishing it from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: NC

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND EQUIFAX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. I SEE NAME VARATIONS, ADDRESSES, AND CREDIT INQUIRIES I NEVER AUTHORIZED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF XXXX XXXX XXXX681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX at XXXX EST. I called Capital One bank and spoke with a XXXX XXXX the XXXX of capital XXXX. I explained to her that my rights were being violated per the Fair credit reporting Act & the 1974 Privacy Act. I also brought to her attention there is a billing error with the account I have with Capital for an auto loan. According to 15 U.S.C 1666d Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall- ( A ) credit the amount of the credit balance to the consumer 's account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit.

So I called and informed her and persons I spoke with prior to that I would like my account credited in full because did what the law says by calling and requesting from the lender/creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: FL

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on 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 2024-08-23 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:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on 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 2024-08-23 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: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 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: I.C. System, Inc.
State: PA

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: NM

Complaint narrative:
Chexsystems company is reporting information that is inaccurate or misleading. They have caused a checking account to be denied. I am in the process of moving and this is causing financial damages and untold stress. 
I contacted them on the phone and they directed me to their website. The website is completely unworkable and defaults to constant errors at every page. They offer to mail me a copy of my report but were unwilling to help in any way. 
This is causing me and our family tremendous stress and potential financial loses.

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 2024-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

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 2024-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: NJ

Complaint narrative:
Repayment of mXXXX XXXX XXXX XXXX  loans has been very difficult. I only make $ XXXX a year and they expect me to pay {$450.00} a month. I have rent as well as a car payment and other bills. The company is not willing to lower the monthly payment based on my salary. Before Mohela took over my account I was on an income driven repayment plan. They are stating that I am not eligible. In addition, the interest that has accrued on the $ XXXX account balance is in the XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Original Complaint XXXX The original complaint was closed after the bank promised to issue funds in XXXX business days on XX/XX/year>. I still have not received the funds that the bank is illegally holding. 

I am not disputing the bank 's right to close an account. They have been illegally denying access to the balance ( more than XXXX ) in my accounts since XX/XX/XXXX. The bank has also been making false promises as to when funds will be released. 

Employee ID : XXXX suggested that I should travel to TX from CA to settle this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANKUNITED, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hey my name is XXXX XXXX XXXX and I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I was recently a victim of scam on text message. He send me an email through my XXXX  email : XXXX. He asked me to be his XXXX XXXX and said he was going to pay for the tasks that I earned {$400.00}. His name is XXXX XXXX XXXX and is a real estate agent of XXXXXXXX XXXX XXXX XXXX He sent me XXXX electronic paycheck through my gmail and send he deposited them to my bank account. He gave me a lot of information from the person that I am going to send the money to how I am going to send them : these are the informations : XXXX Heres the XXXX XXXX information the merchant provided, add the email to your contact lists first and then send {$490.00}, XXXX Here is the XXXX information below : XXXX XXXX XXXX XXXX This was the XXXX address he send me. 
This was his phone number : XXXX. 
And his email address : XXXX Please I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: MD

Complaint narrative:
I'm a victim of identity theft, pursuant to section XXXX, the fraudulent information must be removed. Fraudulent address are listed in the attached FTC.

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