vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 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:
In accordance with The Fair Credit Reporting Act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
The current payment status of 90 days past due is incorrect because the balance due on this account is {$0.00}. 
XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account, which has violated my rights. 

I looked at my TransUnion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VT

Complaint narrative:
The Experian website doesnt have a method of adding a dispute related or general statement to your credit report. There are instructions that say there is a link with Add a Statement but it doesnt seem to exist. See attached screenshots.

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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/year>, I requested the free annual copy of my credit reports pursuant to the Fair Credit Reporting Act ( FCRA ). This request was submitted to the Annual Credit Request Service via USPS Certified Mail Receipt Number XXXX XXXX XXXX XXXX XXXX. It was received on XX/XX/year>. 

I have received the reports from XXXX and XXXX. As of today however, I have not received a copy of my Equifax credit report, nor have I received any response from Equifax regarding this clear violation of my consumer rights. 

According to the Annual Credit Report Request Form, if additional information was needed to process my request, the consumer credit reporting company was supposed to contact me by mail. The company has not contacted me nor sent me the credit report. 

I have a Right to a Copy of my Equifax Credit Report. The federal Fair Credit Reporting Act ( FCRA ) gives consumers the right to receive free copies of their Equifax consumer reports and to dispute any inaccuracies. Equifax is a consumer reporting agency under the FCRA and is required to give me a free copy of my report every year. I have the right to receive that credit report on an annual basis and to dispute any errors I find that Equifax made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2024-12-05 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: Paypal Holdings, Inc
State: KY

Complaint narrative:
Description of complaint : I received a notification that I spend XXXX on a XXXX coin recharge. I immediately logged in and talked to PayPal they stated this was cancelled and not to worry. I changed my password and deleted my bank info immediately and the charge ended up going through on my account and overdrew me and non of my bills can be paid. I have never purchased If you have any questions or concerns, please contact the XXXX assigned to your complaint : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX  Page 1 of 3 this before and my PayPal has never been spent more than 60 at a time and they keep saying this was not fraud. I even have the chat from them stating it was cancelled and I was Safe I then also have the picture showing where someone logged in that didnt match all my logins and I even have proof I have never purchased this and I didnt do this one from XXXX XXXX. PayPal is acting like they dont care and claim to be safe when they let someone take my money and are fighting me on it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-05 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: MD

Complaint narrative:
I was a victim of a data breach and have notice that my information and been used to get credit cards leases and an auto loan. I do not recognize the account on my report. this has shattered my whole world.

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 2024-12-05 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: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: CAVALRY INVESTMENTS, LLC
State: AZ

Complaint narrative:
I have been working to clean up my credit with the help of XXXX XXXX and XXXX XXXX on multiple collection companies that have reported on my credit report. None of these are mine to my knowledge and it seems may have been multiple reported from the same debt. There is a credit collection company named Calvary Portfolio Services that is on my credit report in the amoun of {$5300.00}, XXXX XXXX  {$3900.00}, XXXX XXXX XXXX {$3100.00} and {$1600.00}. As to my knowledge these are not my debts and I have repeatedly requested through those services listed above and directly with XXXX and XXXX to send me proof of this debt. XXXX XXXX submitted in XX/XX/year> and XX/XX/year>, and I have continued through XXXX XXXX and the credit bureaus as well. No response from any of the collection companies listed. I do not want to contact these company directly and give any personal information to them without any knowledge of what this is in fear of more fraudulent activities. I do not want to give any social security info or personal info to them because I do not know who they are. Everytime I have disputed online the only thing that changes on my credit report says " customer disputed, account verified '' but never any correspondence showing the proof of debt belonging to me. I am requesting these all to be removed as soon as possible, due to the fact they have not responded in the 30 days required by law with proof.

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

Complaint narrative:
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court on XX/XX/XXXX. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit Report if they can not be supported by evidence

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 2024-12-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX, I signed up for a move from XXXX, AZ to XXXX, VA with XXXX representing XXXXXXXX XXXX ''. XXXX advised me that XXXX XXXX is a FULL SERVICE moving company utilizing their own trucks and their own drivers. He never once mentioned that they are only a broker, which is false advertising. I signed up and paid XXXX $ as a deposit for my move. Their policy states Deposits are only refundable for customers who cancel their move within XXXX hours of electronically signing this agreement minus 10 % administrative fees. All refunds will be processed within 90 days. '' Well, I found out the very next day that they are actually a brokerage and do not have any moving trucks, so theyare not an actual moving company, which is false advertising. Upon finding this out, on XX/XX/XXXX ( XXXX hours later, WELL within the XXXX window ) I emailed them requesting a cancellation of my move. I received follow up verification that my move was cancelled, and I would be entitled to the full refund minus the 10 % admin fee, and that the refund would take up to 90 days ( which would be XX/XX/XXXX ). On XX/XX/XXXX I called and spoke with their office who said they would " start processing '' my refund...?? I called a few more times over the next week or XXXX, and talked with both XXXX and XXXX, who advised they would have their finance department call me to confirm everything. I then spoke with XXXX somewhere around XX/XX/XXXX, and since then they have not responded to a single email or voicemail, despite me leaving probably XXXX voicemails at this point. Also, their office numbers linked in their email signatures now lead to some sort of scam call center that is not associated with the moving company at all, leading me to believe the company has likely been shut down or switched numbers. 


on XXXX I requested a chargeback via Sofi, my bank, and provided screenshots/receipts/the above details. The above details should prove without a doubt that the entire transaction was fraudulent. Despite me providing ample amounts of details for them to issue me a chargeback for the XXXX $ which I am entitled to, Sofi has DENIED my chargeback/appeal. I have asked for documentation as to why my request was denied, and can provide those as soon as sofi provides them to me. There is absolutely NO reason why my claim should've been denied.

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

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This complaint is filed with the CFPB to request, pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), that you, Equifax, promptly block the information appearing on my consumer credit report that is the result of identity theft and fraud within four ( 4 ) business days of receiving this request. 
The fraudulent, inaccurate, and false information includes the following accounts : * XXXX XXXX, account # XXXX * XXXX XXXX, account # XXXX * XXXX XXXXXXXX XXXX account # XXXX * XXXXXXXX XXXX, account # XXXX * XXXX XXXX, account # XXXX * XXXX XXXX, account # XXXX * XXXX XXXX, account # XXXX These accounts have caused multiple fraudulent hard inquiries and collections to appear on my consumer FICO credit report. 
Supporting Documentation : * A list of the fraudulent hard inquiries in question * A copy of my consumer FICO credit report maintained by Equifax showing the disputed items * A copy of my FTC Identity Theft Criminal Complaint I assert that I do not recognize or have knowledge of the aforementioned accounts, collections, or hard inquiries. They were neither opened, authorized, nor initiated by me and are the direct result of identity theft and fraud. 
Legal Support for My Request : 1. FCRA 605B : Requires credit reporting agencies to block fraudulent information within four business days upon receipt of : * Proof of identity theft ( e.g., FTC Identity Theft Report ) * Identification of the disputed information * A statement from the consumer affirming the fraud. 
2. FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) : Mandates that consumer reporting agencies provide consumers with access to supporting documentation and information related to fraudulent accounts to assist in resolving identity theft disputes. 
3. FCRA 611 ( 15 U.S.C. 1681i ) : Requires consumer reporting agencies to reinvestigate and delete or correct inaccurate, incomplete, or unverifiable information in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I got a call today ( XX/XX/year> ) saying someone was trying to use my card to buy something in XXXX, Florida. They told me someone at my bank was selling my information and to withdraw all my money from my account ( Citizens bank ) and transfer it to a different bank ( XXXXXXXX XXXX  ). Instead of going inside and creating an account, he told me he had an access code for me and that I could use the ATM to deposit it. I ended up depositing {$9000.00} into said account and that I would receive a follow up email with the info to get into. That never happened and I got scammed. He told me the access code to do all of this but I didnt even think to write it down or get any of the information except his pin. Now all of my money is gone! He wont answer my calls now and it sounds like a little kid on the voicemail. I dont know what to do, I feel so beyond stupid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: SC

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. Please see the attached file for this concern.

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 2024-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
Due to overdraft fees from Navy federal during a trying timeNavy Federal was a huge part of the problem as to why I had to file bankruptcy in XXXX. I have been with Navy federal since 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 2024-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: AZ

Complaint narrative:
On XX/XX/year>, they put in my credit report a debt of {$1300.00} by the company Consumer Adjustment Co, which I do not recognize and have not communicated with me affecting my credit score..

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

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2024-12-05 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: Sunbit, Inc.
State: TX

Complaint narrative:
I demand hard inquiries, charge offs, late payments to be removed from my credit report. These companies are violating my rights with harassing spam calls demanding money for payments that do no exists. These companies have not provided valid information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed collections & late payments on consumer report.

Company response to consumer: Closed with explanation