vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-01 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: NY

Complaint narrative:
XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Equifax have 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 an 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 or 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 data is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 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: TX

Complaint narrative:
I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation.

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 2024-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2024-02-01 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: Westlake Services, LLC
State: SC

Complaint narrative:
This account has been reported to the consumer reporting agencies inaccurately and incorrectly. 

This account is income that is reported on my tax return and is an invasion of my privacy and has no business being reported. 

According to the IRS PUBLICATION 4681  charge offs and written off debt is a canceled debt and must be reported as gross or ordinary income on the tax return as 1099-c.

The law states 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I have contacted this company given them NOTICE that this information is incorrect and inaccurate and shall be deleted with no reinsertion. 

They refuse delete the income reported to the consumer reporting agencies XXXX and XXXX. 

I have attached the IRs publication that proofs this account is income and it shall be DELETED IMMEDIATELY WITH NO REINSERTION OF MY INCOME

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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.

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 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My identity has a data breach with. Equalfax. I want all negative report to be taking off. My report. They expose my identity to hackers I never got compensation for my looses I want everything removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: Regional Management Corporation
State: SC

Complaint narrative:
This account has been reported to the consumer reporting agencies inaccurately and incorrectly. 

This account is income that is reported on my tax return and is an invasion of my privacy and has no business being reported. 

According to the IRS PUBLICATION 4681 charge offs and written off debt is a canceled debt and must be reported as gross or ordinary income on the tax return as 1099-c.

The law states 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I have contacted this company given them NOTICE that this information is incorrect and inaccurate and shall be deleted with no reinsertion. 

They refuse delete the income reported to the consumer reporting agencies XXXX and XXXX. 

I have attached the IRs publication that proofs this account is income and it shall be DELETED IMMEDIATELY WITH NO REINSERTION OF MY INCOME

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: LA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 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: TX

Complaint narrative:
I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation. I've attached the required documentation to validate my stance.

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 2024-02-01 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: VA

Complaint narrative:
I found an account and inquiries on my credit report that are not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XX/XX/2023 there was a transaction which my debit card and saving was compromised by a scammer in which XXXX XXXX was used which they compromised also. The scammer managed to transfer fake fund through my XXXX XXXX which had my navy federal attach to and some how they manage to take XXXX in which I didn't have in my account at the time. Also at the time of me finding out what was going on with my account I called navy federal to help fix my account and stop the fraud from happening I called and gave information which I thought was true in what I did to prevent the scammers ended up my account being closed and everything place on me to fix in which I didn't commit these fruadently activities I called to notify to have my account fixed and safe from it ever happening again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: TX

Complaint narrative:
I respectfully ask that you eliminate this incorrect account from my credit report since I never authorized its creation and it's not mine. The supporting documents, which validate my claim, are attached.

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 2024-02-01 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: TX

Complaint narrative:
I respectfully ask that you eliminate this incorrect account from my credit report since I never authorized its creation and it's not mine. The supporting documents, which validate my claim, are attached.

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 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: SC

Complaint narrative:
Chime has violated the Electronic Funds Transfer Act by not refunding my stolen {$1100.00}, despite having sufficient evidence of fraud. There is an ongoing investigation with a police report and case number that I provided to the Chime investigator. I reported the theft within 30 minutes, and according to the act, my liability for the lost funds should not exceed {$50.00}. Chime has neglected to conduct a thorough investigation into the unauthorized transfer and may have intentionally disregarded the laws governing electronic transfers. Although the theft was initiated through XXXX XXXX, the funds were taken from my Chime banking account. 

I have never withdrew money using cashapp for more than XXXX dollars, which is a clear sign for chime that fraud as took place. 

I was in an unfamiliar city traveling for work when the theft took place. 

I dont have money to spare in the amount of XXXX dollars. 

I have never sent any money or had any affiliation with anyone named XXXX XXXX. Which is the cash app account the money was transferred to fraudulently. 

I have an active investigation and a sworn statement and police report filed that was also provided to chime. 


I think it is clear that chime has violated regulation E of the electronic funds transfer act and have deliberately tried to avoid liability of unauthorized transactions as it written in the law. I plan to take legal action against chime in XXXX XXXXXXXX XXXX XXXX  where their registered agent is should all other avenues be unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: Kriya Capital, LLC
State: GA

Complaint narrative:
Credence Resource Management has illegally placed an account on my credit profile that has been disputed and removed from a different collection agency. This alledged debt has been bought and resold numerous times. I have no contract with the original creditor nor the collection agency. Per FCRA I am requesting removal of this account that was placed on my credit profile without my permission. This is fraud. I will seek monetary damages for this companys actions of not removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 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.

Complaint narrative:
Hi, I am living in XXXX, XXXX, XXXX. On XX/XX/2024, after requesting a hard inquiry on my credit report from a mortgage broker, I was informed that I had some loans, current and past addresses, phone numbers, AKA names, and SIN number which aren't mine. 

This is a mixed file case. 
I called Equifax, filed a report, and filled out the online form which is supposed to restore my identity. The day later, on XX/XX/XXXX, they sent me 2 email confirmations with the case number ( attached below ) that the car loan was removed and my info was updated. 

On XX/XX/XXXX, my mortgage broker checked again and my info is even more wrong than the previous one with a new set of debts. I called them again, gave them my customer reference profile ( online ), and went through every single detail with them. They admitted it was a mixed file again and said they fixed it and then would send me confirmation within XXXX hrs. 
The time was passed and no response from them and my credit report is still wrong. 
Please help to resolve it. It's an urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
This is my third complaint to the CFPB on the same issue. 

I have been trying to close a checking account with Chase and retrieve my money since XX/XX/XXXX. I submitted a second complaint on XX/XX/XXXX. Today is XX/XX/XXXX and I have still not received the check, which is in the amount of nearly {$2000.00}. 

Chase claimed to have sent me a check in XXXX. I never received it, and am increasingly certain that they didn't send it. I've spent hours upon hours on the phone and in bank branches trying to solve this problem. They told me that federal law required that I have a form notarized at a Chase bank. On XX/XX/XXXX, I visited the Chase branch at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The form was notarized and faxed BY THE BANK BRANCH to Chase corporate. They responded to my last CFPB complaint saying they did not receive it, and they closed the complaint without action. I emailed the form to them again directly, per their request. They have not confirmed receipt. I'm going to upload a picture with this complaint for a document trail.

If one of the biggest banks in the world, in partnership with the CFPB, won't give me my money back, what recourse do I have? The press? Another banking regulator? I am utterly shocked that this level of corporate bullying would be permitted in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
It appears there was an account opened with you, i have been a victim of identity theft and have tried to reconcile this issue with your company more than once, The only outcome i have received from you is that this account was opened by me. This is very unsettling and illegal, please be advised that disregarding this means that you can be subject to a {$5000.00} fine and/ or litigation for not reserving my rights under U.C.C 1-308.4 ( i am reserving my rights under U.C.C 1-308.4 not to be compelled to perform under any contract or commercial agreement that i did not enter KNOWINGLY, VOLUNTARILY, AND INTENTIONALLY. I do not accept the liability of any compelled benefit or lack thereof, or any unrevealed contact commercial agreement. I have a right to sue you under the common law for violating my rights under the UCC )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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:
According to 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me a lot, and I feel unwell due to this situation.

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 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filling this complaint. The stuff on my credit report is wrong.

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 2024-02-01 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filling this complaint. The stuff on my credit report is wrong.

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 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. 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 2024-02-01 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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.

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 2024-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I received a letter from XXXX XXXX attorney telling me a judgement could be reactivated since it went dormant. I offered to pay half the debt to XXXX XXXX on XX/XX/2024. I sent proof I received social security. They told me to put file number XXXX and to send it to XXXX. The attorney said they would contact the client and get back to me. I followed up a week later with no response. I called Portfolio Recovery myself and they said they don't own the debt to contact XXXX XXXX. I'm being threatened legal actions and I'm offering a settlement for my debt that I can afford and no one will cooperate or communicate.

Company response to consumer: Closed with non-monetary relief