vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXX XXXXXXXXhas violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX. XXXX 15 USC 1681 Section 602A. States I have the right to Privacy. And according to 15 USC 1681e ( b ) they are supposed to ensure this 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. 15 USC 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of information. Any other Adverse item of information other the records of convictions, of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) 1. A person shall not furnish any information relating to a consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate or incomplete.

UPON the receipt of documents herein and of this notice. You are hereby notified Pursuant UCC 1 - 202f. Your prompt attention and response are both requested and required. XXXXXXXX XXXX XXXX XXXX XXXX  Signature XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On XX/XX/year> I had my dad send me XXXX dollars, I went to the ATM to pull it out, and the ATM didn't dispense, or give a receipt, but it charged my card anyway. I made a ticket with Venmo but it wasn't going anywhere so on XX/XX/year> I called XXXX and they refunded it, but then right after, my Venmo ticket was denied, and Venmo took my XXXX refund for themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: The Capital Good Fund
State: FL

Complaint narrative:
There are XXXX unauthorized inquiries from this company on my credit report for something I NEVER RECEIVED! 

REMOVE THESE INQUIRIES FROM MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: PA

Complaint narrative:
The Consumer reporting agency Experian is currently reporting inaccurate and incomplete information on my consumer 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 2024-09-23 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:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and 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 2024-09-23 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: FL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and 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 2024-09-23 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:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are XXXX unauthorized inquiries from this company on my credit report for something I NEVER RECEIVED! 

REMOVE THESE INQUIRIES FROM MY 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 2024-09-23 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:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and 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 2024-09-23 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Seattle Service Bureau, Inc
State: SC

Complaint narrative:
Here is my situation. National Service Bureau XXXX XXXX, Which is a Bonded Collection Services. 
My son had got into an accident, which the vehicle was still in my name, but it was given to him by me. when i gave him this vehicle i told him the insurance i put on my other car, so he needs to have it put in his name and get insurance. So on XX/XX/XXXX he had an accident and they charged me if everything. XXXX XXXX XXXX, is the insurance for the other driver. My son had told them he thought maybe the insurance was still active. 
I never thought anymore about it. On XX/XX/XXXX I had got pulled over, and the XXXX informed me i was driving on suspended license. I had no clue what he was talking a out. 
Anyway he took my license and gave me a court date. he had ask me if i was in a accident last year? XXXX no sir I have not. He explained that is why my license are suspended. I lost my license and have to pay all this money when it was not me. 
I went to court and requested a trial by a jury because i feel I am not reponsible for this. 
I had filed a Notice of vehicle Sold and sent to XXXX. So what do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: CITIBANK, N.A.
State: LA

Complaint narrative:
In accordance with the fair credit reporting act Citibank XXXX. - # XXXX violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. Citibank XXXX. XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX I have the right to Privacy. And according to XXXX XXXX XXXX ( b ) they are supposed to ensure this 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. XXXX XXXX XXXX ( a ) ( XXXX ) section states : no consumer reporting agency XXXX make any consumer report containing any of information. Any other Adverse item of information other the records of convictions, of crimes which antedates the report by more than XXXX years. 
XXXX XXXX XXXX ( A ) XXXX. A person shall not furnish any information relating to a consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate or incomplete. 

UPON the receipt of documents herein and of this notice. You are hereby notified Pursuant UCC XXXX - XXXX. Your prompt attention and response are both requested and required. Citibank XXXX XXXX. # XXXX Signature XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Consumer Name : XXXX XXXX Consumer XXXX : XX/XX/year> Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX with account # XXXX and balance of {$2100.00} and {$860.00}, XXXX XXXX XXXX XXXX  with account # XXXX and balance of {$2500.00}, XXXX  XXXX with account # XXXX and balance of {$180.00}, XXXX  XXXX with account # XXXX and balance {$5100.00}, XXXX with account # XXXX, XXXX XXXX XXXX XXXX with account # XXXX and balance of {$1900.00}, XXXX XXXX with account XXXX XXXX with balance of {$720.00}, XXXX XXXX  with account # XXXX and balance of {$62.00}, XXXX  XXXX XXXX with account # XXXX and balance of {$1400.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
I want to file a complaint against USAA. Some brainiac at this company has activated 2 step verification on my account. I know this because I had to reset my Iphone to factory default settings. However, I still have my username and password saved in my phone. But USAA keeps sending my verification code to a previous number that I don't have. I have been calling them since the XXXX of XXXX to the time I'm sending this email. I have spoken to multiple people including supervisors. 

Only to get a call from the verification department to tell me that my XXXX permit I.D . couldn't be verified, and to call back and ask for a XXXX XXXX XXXX XXXX XXXX  ) by a XXXX Consultor. The young lady I talked to before sending this email stated to me that the dept within USAA that called me were the ones that were supposed to ask me those questions. I have been trying to get them to change my phone number so the system can send the code to the right phone number. 

My reason for sending this email is because when I signed up for USAA ; I didn't need I.D . for verification. So, why should they have the right to ask me for PII to verify I am who I say I am after giving them my USAA #. When I signed up they used ( maybe ) XXXX or XXXX XXXX some other verification protocol. I don't feel comfortable sending my I.D . like this. 

USAA can't tell me how long it's going to be stored nor how my PII will be destroyed etc.

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 2024-09-23 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:
REQUESTING A DELETE XXXX  DELETE XXXX  DELETE My credit report is reporting inaccurate information in violation of the following FCRA reporting requirements for CRA Reinvestigation of Disputed Information ( 1681i ( a ) ) Initiating a Dispute : If a consumer disputes the accuracy of information on their credit report, the credit reporting agency must investigate the dispute, generally within 30 days from receiving notice of the dispute.

Prompt Notice to Furnishers of Information : The credit reporting agency must notify the entity that provided the disputed information ( the furnisher, such as a creditor or lender ) about the dispute. 
Correction or Deletion : If the investigation finds that the disputed information is inaccurate, incomplete, or unverifiable, the credit reporting agency must correct or delete the information. 
Extension of Time : The agency may extend the reinvestigation period by an additional 15 days if the consumer provides relevant information during the 30-day investigation period.

AND 1681s2. Responsibilities of furnishers of information to consumer reporting agencies By reporting the following information XXXX XXXX XXXX  # XXXX XXXX. Last payment reporting XXXXXX/XX/XXXX, but is inconsistent with what is being reported in the " Rating section of the payment history ''. 
XXXX. Date closed being reported as XXXX However, there still seems to be ongoing activity on the accounts throughout the following year, up until XX/XX/XXXX. 
XXXX. Pay status says " Was paid as agreed '', but is this is not consistent with what is being reported in the payment history section XXXX. Payment History " Rating '' is reporting inaccurate information XX/XX/XXXX ( 60 days late ) ; XX/XX/XXXX ( 60 days late ) ; XX/XX/XXXX ( 120 days late ), XX/XX/XXXX ( 60 days late ) ; XX/XX/XXXX ( 90 days late ). This is inaccurate reporting. DELETE. 

The information in my Transunion File disclosure is inaccurate and Transunion is furnishing this inaccurate information to 3rd party credit monitoring agencies such as " XXXX XXXX  '' This is a FCRA Violation of SEE ATTACHMENT FOR VISUAL 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 non-monetary relief
Consumer complaint received 2024-09-23 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: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-09-23 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: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-09-23 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: SC

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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: SC

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

XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Subject : Debt Collection Activity Related to Identity Theft Company Involved : XXXX XXXX XXXX XXXX XXXX Nationstar Mortgage, LLC Description of the Complaint : I am filing a complaint against the XXXX XXXX XXXX XXXX XXXX for pursuing debt collection activities related to an FHA loan that was fraudulently created in my name without my permission. This loan, numbered XXXX, was initiated by Nationstar Mortgage, LLC, acting as an agent for XXXX XXXX XXXX XXXX XXXX, on XX/XX/XXXX. 

Details of the Incident : Identity Theft : The FHA loan mentioned above was established using my personal information without my consent. I did not apply for or authorize this loan, which constitutes identity theft. 

Foreclosure Attempt : XXXX XXXX XXXX XXXX  XXXX and Nationstar Mortgage, LLC attempted to foreclose on my homestead using this fraudulent loan. This action was taken despite the fact that I had no legitimate connection to the loan. 

Credit Report Discrepancy : In XXXX, the fraudulent loan was removed from my credit report as a result of being identified as a fraudulent account. Despite this, I continue to face debt collection activities from XXXX XXXX XXXX XXXX XXXX related to this loan, which I believe is illegal and unjust. 

Lack of Resolution : I have attempted to resolve this matter directly with the XXXX XXXX XXXX XXXX XXXX but have received no adequate response. Their continued pursuit of debt collection regarding this fraudulent loan is causing me significant distress. 

Requested Resolution : I urge the CFPB to investigate this matter thoroughly. I request that the XXXX XXXX XXXX XXXX XXXX cease all debt collection activities related to the fraudulent FHA loan in question. Additionally, I ask for assistance in ensuring that my rights as a consumer are upheld, and that any necessary corrective measures are taken to prevent further harassment..

Company response to consumer: Closed with explanation