vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-01 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: AL

Complaint narrative:
This is my first endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance Owed XXXX {$850.00} XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$850.00} XXXX XXXX  XXXX Balance Owed : {$340.00} XXXX XXXX  XXXX Balance Owed : {$950.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-05-01 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: AL

Complaint narrative:
This is my first endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX 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 Balance Owed : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance Owed XXXX {$850.00} XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$850.00} XXXX XXXX  XXXX Balance Owed : {$340.00} XXXX XXXX  XXXX Balance Owed : {$950.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
In XXXX at the age of XXXX and only XXXX months after XXXX  high school, I applied to XXXX XXXX XXXX XXXX XXXX in XXXX, MA to become a XXXX XXXX. Unbeknownst to me at the time, this was a predatory school and since then, has been countlessly found guilty of defrauding its students as evidenced by a sweep of all Federal loans being forgiven to students who attended the schools associated with XXXX XXXX on XX/XX/XXXX. 

I only received XXXX federal loan for the amount of {$3500.00} in which the balance was ultimately forgiven on XX/XX/XXXX due to the verdict of XXXX XXXX XXXX XXXX XXXXXXXX case which the court declared that all individuals who borrowed federal student loans to pay the cost of attendance for any of the XXXX persons named in the Massachusetts Attorney Generals exhibit have the right to borrower defense relief under XXXX C.F.R. XXXX ( c ) ( XXXX ) ( XXXX ) and not related to Then-Attorney General XXXX XXXX lawsuit against XXXX XXXX XXXX 

Unfortunately for me, I had XXXX other loans that were privately owned by Navient, the XXXX XXXX loan and the XXXX XXXX loan, both of which were subprime private loans. Despite the $ XXXX settlement on XX/XX/XXXX against Navient , I did not qualify for that forgiveness either as I was never late for at least seven continuous monthly billing cycles. 

For context, I originally borrowed a total of {$17000.00} which was disbursed in XXXX. From XXXX, I paid Navient a total of {$29000.00} and accrued {$29000.00} in interest. After my interest rate kept fluctuating and went up to 13 % on one loan and 14 % on another in XXXX, I decided to refinance the remaining balance of my loans for {$18000.00} the remaining balance on a {$17000.00} loan from 15 years ago. 

Summary : o Initially borrowed : {$17000.00} o Total payments received from XXXX = {$29000.00} o Total balance refinanced in XXXX = {$18000.00} o Out of pocket payment = {$47000.00} ( payments received + refinanced balance ) o {$29000.00} more than what was initially borrowed ALL interest. 

I have been negatively affected by this because I not only attended a predatory school but also received subprime loans that were designed to never allow me out of debt and despite governments efforts to forgive these loans, I never qualified for its forgiveness. These private loans deserve the same forgiveness as the federal loans because even after 17 years of repayment, I am still suffering from the grips of these harmful tactics by XXXX XXXX and Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: OH

Complaint narrative:
PLEASE BLOCK AND REMOVE Kindly take immediate action to delete the fraudulent inquiries from my credit report. I did not approve them, and they are causing me significant stress.

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 2024-05-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: HI

Complaint narrative:
On XXXX XXXX I received a prepaid Netspend Visa card for my XXXX XXXX  child. This was never authorized by me. I went to the phone number in the material that came with the XXXX XXXX to cancel the card, which then prompted an automatic email to my XXXX  child asking her to call the customer service line. I called the customer service line myself to make sure the account was deactivated and to insure that her account that they created for a minor without permission from a legal guardian was closed and if they took any money from her that they immediately return it to her. The customer service agent said that they only talk to the card owner. I told them again that she is a minor that they would not deal with her but her parent. The customer service agent said sorry that he can only deal with the card owner. I asked to speak with a supervisor because they cant transact business with a minor without my permission. I was placed on hold and 40 minutes finally someone came on the line and then hung up.

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, XXXX, & Equifax continue to report incorrect information on my consumer report. The account listed as XXXX is incorrectly reporting and causing me damages. The consumer agencies are required to report accurate information. Furthermore any account that is charged off with a balance due it should be returned to the consumer not the creditor. How is the consumer agencies reporting this account as a charge off? I would also like the documentation used to verify this information. This account is also reporting 3 different ways which means this account has not been properly verified as accurate. 

Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX Creditor Type : Cellular Telephone/Paging Companies Wireless Telephone Service Providers Telephone Companies Account Status : Closed Closed Open Creditor Remarks : Collection Account Placed for collection Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Collection account Telecommunications/cellular Account Type : Telecommunications/Cellula Veer, or collect extension, Collection ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: GA

Complaint narrative:
XXXX, Experian, & XXXX continue to report incorrect information on my consumer report. The account listed as XXXX is incorrectly reporting and causing me damages. The consumer agencies are required to report accurate information. Furthermore any account that is charged off with a balance due it should be returned to the consumer not the creditor. How is the consumer agencies reporting this account as a charge off? I would also like the documentation used to verify this information. This account is also reporting 3 different ways which means this account has not been properly verified as accurate. 

Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX Creditor Type : Cellular Telephone/Paging Companies Wireless Telephone Service Providers Telephone Companies Account Status : Closed Closed Open Creditor Remarks : Collection Account Placed for collection Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Collection account Telecommunications/cellular Account Type : Telecommunications/Cellula Veer, or collect extension, Collection ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2024-05-01 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: AL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$130000.00} XXXX XXXX XXXXXXXX Balance Owed : {$1000.00}

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 2024-05-01 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: EQUIFAX, INC.
State: AL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$130000.00} XXXX XXXX XXXXXXXX Balance Owed : {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This account was CHARGED OFF on the following date XX/XX/2021, since then the account has repeatedly been updated as charged off every month, this is an update in the payment history. 

A charged off account should not include an active payment history. This INACCURATE INFORMATION falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 

I am demanding a deletion of the following account : XXXX  XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: NC

Complaint narrative:
I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
Crypto.com allows the user to easily transfer money from the users primary bank account to their Crypto.com account with an account number and routing number. Withdrawing any funds from Crypto.com proves to be an entirely different experience for anyone using the platform. 
In order to withdraw any funds, Crypto.com forces me to use a third party financial vendor by requiring that I open an account with them ( each vendor is contracted with Crypto.com ). Its a tactic to collect information on their users who sign up for the crypto.com platform. 
Once I navigate through the withdrawal prompts, Crypto.com instructs me to use their 3rd party contracted vendor, XXXX. XXXX  requires me to give them my bank account username and password so they can access it and pull all the users financial information ( there is no manual way to give them a routing and account number to withdraw funds, which they should already have from signing up with the platform ). My current Credit Union does not allow this, for good reason. 
The alternative is to open another bank account with a Bank who has an agreement with XXXX ( i.e. XXXX XXXX ), then give XXXX access to this account, transfer my Crypto.com balance out of the platform to the new bank account, then transfer to my long standing Credit Union bank account, then close the recently opened bank account. With this option, I am forced to open an account I do not want. 
Another option is to sign up for an account with Crypto.coms 3rd party vendors, XXXX XXXX or XXXX XXXX. This essentially funnels my money through a 3rd party who collects banking and other sensitive information on the user. 
Ive contacted Crypto.com to ask for alternative options for funds withdrawal. I have even suggested a check be issued to me or my own financial institution, or I can supply them with my account and routing number, which they have refused. 
Overall, my Crypto.com funds are being held hostage by them until I agree to create a financial account with their 3rd party vendors so they can transfer to my personal bank account and collect my financial data outlined in their agreement ( user is forced to accept ). I have declined to use their affiliated middlemen to withdraw my balance Please help resolve this common issue with Crypto.com. See attached PDF

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: CA

Complaint narrative:
I am writing to formally dispute unauthorized inquiry on my credit report, which I believe are a result of identity theft. Upon reviewing my credit report, I discovered several inquiry that I did not authorize or recognize. I demand immediate action to investigate and rectify this matter. 

This unauthorized inquiry has been made on my credit report : XXXX  XXXX Inquiry Date XX/XX/year>. 

Please provide written confirmation once this unauthorized inquiry has been removed from my credit report. I also request a free copy of my updated credit report for my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States 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