vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
USAA bank is discriminating against me as a XXXX woman. I have been a customer over 20 years and today they put me in a bind to protect their assests. I closed on my home on XX/XX/XXXX and I received funds in the form of 2 checks. I received and deposited the check from the title company for {$2600.00} approximately and another check from my real estate attorney on in the amount of {$6900.00}. When I deposited the check from my attorney {$2500.00} was made available to me and and {$4400.00} would be available on XX/XX/XXXX. Today when I went to pay my movers {$1400.00} my card declined. I logged in to see my account overdraft for over {$5000.00}! They lied and said the check was returned. I immediately called my attorney who then sent me a screenshot of the check clearing her bank and the funds in her account. I immediately called USAA back and relayed this information only to find out that someone manually went in and took back all the money and fixed my account to where I was still negative {$600.00}! They said they tried to verify the check but the office was closedduh its XXXX on a Saturday! Im moving from XXXX  to XXXX and have to borrow money for gas because they did this to me. They are a bank! What bank doesnt know what an e-check is?! Especially since Ive cashed them before. They are just doing this to me because I am a XXXX woman. If I was XXXX they wouldve done this! I work for the XXXX XXXX I aint defrauding anyone! Especially a bank! They had no right to do this. They overdrew my account and didnt even give me any notice nor a resolution

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 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Ive been trying to communicate my concerns regarding the inaccuracies on my credit report for months now but to no avail, this is an issue that I want to be addressed and this complaint is obviously not a mistake or sent in error. These are challenging times and the circumstances are not in my favor, the burdens keep piling up which continuously impacts my life negatively, having these inaccuracies corrected or removed from my credit report will be immensely helpful.

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 2024-11-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
HONDA FINANCIAL SERVICE CHARGE OFF MY VEHICLE AND THEN SOLD THE ACCOUNT TO A THIRD PARTY THAT IS ILLEGAL CAUSE I NEVER GAVE DAYBREAK XXXX XXXX TO TAKE MY CAR AND I DID NOT GIVE HONDA FINANCIAL SERVICE TO GIVE MY INFORMATION TO ANYONE THAT RIGHT THERE IS IDENTITY THEFT IT IS LEGAL TO REPO MY CAR 15 USC 1692 F ALSO I WAS NEVER NOTIFIED OR GIVEN AN AUTHENTICATE LETTER STATING ANYONE WAS GOING TO REPO MY CAR. USC 9-611 STATING THEY WERE SELLING MY VEHICLE THERE WAS NOTHING SENT. ALSO WHEN MY CAR WAS TAKEN I HAD MONEY INSIDE THE VEHICLE WHERE DAY BREAK TOWING STOLE AND RANSACKED MY WHOLE VEHICLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent

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 2024-11-10 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: FL

Complaint narrative:
Experian : Recently checking my credit report I noticed that I've been a victim of identify theft and have found numerous accounts and inquires that I have no knowledge of here is a a list of accounts 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 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 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 XXXX XXXX XXXX  I Please Remove These Accounts, Collections And inquires From My Credit Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX  XXXX Account number : 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 2024-11-10 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: TX

Complaint narrative:
According 15USC 1681 i, a, e, b a consumer is entitled to fair accurate reporting of his credit report. Account XXXX is appearing on my credit report. The account violates FCRA and is posting inaccuracies. Each inaccuracy has a fine of {$1000.00} plus and must be removed from my credit report.

Credit inquiries from : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are all fraudulent and must be removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 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: AL

Complaint narrative:
XXXX has committed Aggravated Identity Theft pursuant to 18 USC 1028 A. XXXXXXXX XXXX has transferred account # XXXX to XXXX XXXX a means of identification of me without lawful authority. An identification of me has been used without my permission that has damage my reputation and my mode of living. XXXX are reporting an fraudulent account that arose from IDENTITY THEFT to the Credit Reporting Agencies which they did not verify as required by law on my consumer report. XXXX received Certified Mail Receipt of the Identity Theft Report on XX/XX/year> and Transunion received Certified Mail Receipt the Identity Theft Report on XX/XX/year>.

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 2024-11-10 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Several over draft fees and paid accounts were illegal taken from my account at Navy Federal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SUNRISE CREDIT SERVICES, INC
State: SC

Complaint narrative:
I never did business with sunrise credit service and they need to be removed immediately off of my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
I was a victim of identity theft at the beginning of the pandemic and I have been affected ever since. I have called the companies and spoke with them in length that these items are not mine. I have done everything I can to have these items removed. They are effecting my everyday life I literally have XXXX  XXXX  over this identity theft. The people who stole my identity filed fraudulent claims against my identity credit cards and its pandemic unemployment benefits.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: United PanAm Financial Corp.
State: MA

Complaint narrative:
I was a victim of identity theft at the beginning of the pandemic and I have been affected ever since. I have called the companies and spoke with them in length that these items are not mine. I have done everything I can to have these items removed. They are effecting my everyday life I literally have anxiety attacks over this identity theft. The people who stole my identity filed fraudulent claims against my identity credit cards and its pandemic unemployment benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  Date opened XX/XX/XXXX - Account number XXXX XXXX XXXX Account number XXXX opened XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number - XXXX XXXX  XXXX Account number - XXXX XXXX Account number - XXXX XXXX Account number - XXXX XXXX Account number - XXXX XXXX Account number - XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account number - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account number XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX - Account XXXX XXXX XXXX ( XXXX ) XXXX - XXXX  Account Number : XXXX XXXX INQURIES : XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2

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 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
There are addresses on my report that are not correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I went into the XXXX store requesting to return a phone for my daughter who passed away a few months after the phone was purchased. I was told the request would be submitted to upper management and someone would get back to me. On XX/XX/XXXX at XXXX, I received an email stating the line of service was cancelled. On XX/XX/XXXX @ XXXX I was sent a form to complete to take into the store along with the phone & the death certificate. When I took the phone in, I was told even though I presented the form that was to be returned along with the death certificate and the phone, management still had to approve it. I was given another case # XXXX. On XX/XX/XXXX @ XXXX, I received an email stating the mobile service was disconnected and the total due was {$34.00}. On XX/XX/XXXX @ XXXX I spoke with a XXXX @ XXXX on a recorded line who advised me there was no balance due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 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: CA

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I HAVE CHARGE OFF ON MY ACCOUNT AND I DID NOT RECIEVE MY 1099C, THESE COMPANIES ARE REPORTING DEBTS ON MY CREDIT REPORT EVEN THOUGH THEY GOT A TAX BREAK AND WAS ALREADY PAID FOR THE DEBT. XXXX XXXX credit card, XXXX XXXX  XXXX XXXX XXXX, I do not owe XXXX XXXX or XXXX XXXX XXXX, I've never done business with them but they are reporting on my credit. I am requesting a 1099C from each company because the debt on my credit said charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
These inquiries were not authorized by me and should not appear on my credit report. Their presence constitutes a violation of the following : Legal Violations False Reporting and FCRA Violations Under 15 USC 1681b, hard inquiries should only be made with consumer consent or permissible purpose. I did not authorize these inquiries. Under 15 USC 1681c and 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure only authorized inquiries are included. Failure to verify authorization for these inquiries violates the FCRA, and they must be deleted from my report. 

Privacy and Unauthorized Access Violations The Gramm-Leach-Bliley Act ( GLBA ) requires institutions to protect the privacy of consumer information. Unauthorized access to my credit information by these entities constitutes a breach of my privacy rights, warranting the immediate removal of these inquiries.

UCC Compliance and Consumer Rights Violations According to UCC 1-201 ( b ) ( 20 ), financial transactions must be made in good faith. Reporting unauthorized inquiries infringes upon my rights under UCC standards and requires immediate correction. Further, under UCC Article 9, unauthorized credit access violates transparency and authorization requirem Disputed Inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX, to remain until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, to remain until XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX, to remain until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, to remain until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, to remain until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX, to remain until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX remain until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, to remain until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX, to remain until XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX, to remain XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX, to remain until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, to remain until XX/XX/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