vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-23 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: FL

Complaint narrative:
I am writing to formally request that TransUnion block fraudulent information appearing on my consumer credit report, in accordance with the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ). This request is due to identity theft and fraud, and I expect the inaccurate information to be blocked within 4 business days of your receipt of this complaint.

I have identified several accounts on my TransUnion credit report that I did not open and are the result of identity theft. These fraudulent accounts include : * 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 XXXXXX/XX/XXXX These accounts, which I do not recognize, have resulted in several fraudulent collections being reported on my consumer XXXX credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I demand that these fraudulent items be removed from my TransUnion credit report immediately. Additionally, I request that any related collection activity cease without delay. 
I have attached a list of the aforementioned fraudulent items and a copy of the FTC Identity Theft Affidavit and Criminal Complaint ( XXXX ) & ( XXXX ) as evidence that these accounts are the result of 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 2024-10-23 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: NC

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and XXXX asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: MD

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 non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and XXXX asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX, I purchased a vehicle through financing with Navy Federal Credit Union. After the purchase, Navy Federal requested that I sign a promissory note online. I declined and requested a physical promissory note to be mailed to me. Despite agreeing to this, Navy Federal never mailed the document. Nevertheless, Navy Federal began withdrawing a total of {$1600.00} from my account before I had signed any valid promissory note, in clear violation of UCC provisions regarding negotiable instruments.

To resolve the issue, I visited a Navy Federal branch, where I was provided with a one-sided, invalid promissory note, which included the phrase " applicant retained this copy. '' Despite this note clearly being incomplete and invalid under UCC 3-104 ( which requires a valid, complete note for enforcement ), Navy Federal continued to treat it as binding. I endorsed the note with paid to the order of Navy Federal Credit Union without recourse, releasing myself from liability, and mailed it via certified mail. Navy Federal accepted the document but continued to demand payments without addressing the invalidity of the note. 

Under UCC 3-305, Navy Federal did not possess a valid instrument that would entitle them to enforce the terms of the loan, as the note provided was incomplete and one-sided. Their actions in withdrawing funds without a valid, signed promissory note constitute a direct breach of their obligations under UCC 3-301 ( Person Entitled to Enforce an Instrument ). 

Due to these unauthorized withdrawals, I was left unable to afford legal action and faced significant financial harm. These withdrawals also damaged my credit score, as Navy Federal continued to report the loan inaccurately, despite having no valid signed contract in place. 

On XX/XX/XXXX, I discovered the existence of a valid promissory note, which I had never signed. Navy Federal never provided me this valid note, yet they acted as though I had agreed to its terms. This is a further violation of UCC 3-104, as the original document I endorsed was invalid, and Navy Federal misrepresented the legal status of the note. Despite this, they continued reporting incorrect information to the credit bureaus, causing ongoing harm to my credit. 

I now possess : The signed, invalid promissory note ( provided by Navy Federal ), which contains the statement " applicant retained this copy. '' The valid promissory note ( discovered on XX/XX/XXXX ), which remains unsigned. 
I am uncertain whether I am under a valid contract for the vehicle, and Navy Federal may have improperly used the invalid promissory note for fractional reserve banking without ever rectifying the situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: NJ

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-23 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: CA

Complaint narrative:
CFPB Complaint to Experian Subject : FCRA Violation & Inaccurate Address Reporting Linked to Fraudulent Activity Dear CFPB, I am writing to file a complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ) and US 15 1681e Compliance Procedure regarding inaccurate address reporting linked to the name XXXX XXXX on my credit report. My legal name is XXXX XXXX XXXX, and this misspelled name is incorrectly tied to fraudulent accounts and addresses. 

In particular, Experian has associated this error with an account from XXXX. The Address ID connected to this issue is XXXX, and the report number is XXXX. I contacted Experian on XX/XX/year>, attempting to speak with a U.S.-based agent. I was transferred but was informed to call back during normal business hours despite calling at XXXX XXXX PST. 

I have previously disputed this address, along with a police report due to fraud. Experian, however, continues to mark the fraudulent address and accounts tied to it as verified, stating : " That reason can't be processed online. This Address was reported to Experian by XXXX. Please contact the company to verify that they have your correct address. '' I request that Experian immediately remove this fraudulent address and all related inaccuracies from my credit report and take corrective actions to comply with the FCRA and US 15 1681e. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX 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 explanation
Consumer complaint received 2024-10-23 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: KY

Complaint narrative:
Request for Removal of Unauthorized Inquiries Under Section 1681b of the FCRA Dear : My name is [ your full name ]. I am filing a complaint regarding unauthorized credit inquiries appearing on my credit report in violation of Section 1681b of the Fair Credit Reporting Act ( FCRA ). 

The inquiries that I do not recognize or authorize are : XXXX XXXX transunion XX/XX/XXXX XXXXXXXX XXXX transunion XX/XX/XXXXXXXX XXXX XXXX transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am requesting removal of these inquiries and an investigation into their legitimacy. 

Thank you for your prompt attention

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 2024-10-23 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: KY

Complaint narrative:
Request for Removal of Unauthorized Inquiries Under Section 1681b of the FCRA Dear : My name is [ your full name ]. I am filing a complaint regarding unauthorized credit inquiries appearing on my credit report in violation of Section 1681b of the Fair Credit Reporting Act ( FCRA ). 

The inquiries that I do not recognize or authorize are : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX equifax XXXX XXXX equifax XX/XX/XXXX XXXX equifax XX/XX/XXXX I am requesting removal of these inquiries and an investigation into their legitimacy. 

Thank you for your prompt attention

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
The issue stems from the XX/XX/year> payment. It was submitted on XX/XX/year> the last day of our grace period. My husband inquired about the payment because it was taken out of the and a double car note payment was made in error and then reversed. 

We have since sent proof per the request of the mortgage company that sufficient funds were in the account in XX/XX/year>. The mortgage company is now saying they need to see more proof. We have sent two pieces of correspondence and every time we call they want to change whats required to prove funds were there. 

I have a security clearance and we are trying to purchase another home. This isnt helping us in anyway. They have terrible customer service and I am so glad we are selling this home. I dont know how they have grown to a size of this magnitude with the level of incompetence that they have operated at since the loan was transferred over.

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 2024-10-23 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Pl XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX XX/XX/XXXX To Whom It May Concern, This letter serves as a formal complaint regarding your disregard for my previous request and failure to uphold adequate procedures in your operations to ensure the highest level of accuracy in the credit reports you publish. Credit reporting regulations dictate that bureaus should only report credit information that is 100 % accurate, and every effort must be made to ensure the reported information is entirely correct. 

Please refer to my previous correspondence for the details that require further investigation. 



XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX PLEASE REMOVE THIS FRAUDULENT HARD INQUIRIES FROM MY CREDIT REPORT XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX PLEASE REMOVE THIS FRAUDULENT HARD INQUIRIES FROM MY CREDIT REPORT XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX REMOVE THIS FRAUDULENT HARD INQUIRIES FROM MY CREDIT REPORT Under Section 611 of the FCRA, credit bureaus are required to investigate and correct any inaccurate or unauthorized information on my credit report within 30 days. Given that the stipulated time has passed without resolution, I am requesting the immediate removal of these unauthorized inquiries from my credit report. 



Furthermore, under Section 604 of the FCRA, these hard inquiries could only have been conducted with my express authorization, which was never granted. Therefore, I insist that you, as a credit bureau, take the necessary steps to remove these records. 


Sincerely yours, XXXX 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 2024-10-23 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: FL

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 explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a victim of identity theft and BOA has 2 unknown inquiries on my credit report. I need this resolved 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 2024-10-23 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: NJ

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to 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 2024-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On XX/XX/XXXX, I purchased XXXX XXXX. However, I did it without knowing I was able to fully commit due to health concerns. 

I made the initial dispute on XX/XX/year> after trying to resolve the issue with the merchant through email on XX/XX/year>. They refused to refund me even though I never used their product or started the workshop. 

On XX/XX/year> Citi bank completed their investigation and say I the customer am responsible. This is completely unfair. 

The amount is XXXX $ This is a huge amount of money wasted in this economy over something I NEVER USED. 

I do not want this claim to affect my credit score.

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 2024-10-23 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 need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-10-23 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am now in pursuant to FCRA & 605B ( 15 U.S.C. & 1681c-2 ) the Experian credit reporting agency, block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of you receiving this complaint.This fraudulent, inaccurate and false information consists of a car loan lease XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX on XXXX on XXXX credit card From XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX was open XXXX of XXXX XXXX & XXXX account number XXXX was open XXXX XXXX XXXX accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report do not recognize the aforementioned accounts.i have attached a copy of the FTC IDENTITY THEFT CRIMINAL COMPLAINT case number XXXX as proof from the US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts , collections of identity theft and fraud.

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