vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 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:
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 XXXX XXXX XXXX. **Account Name : ** XXXX XXXX : ** XX/XX/year> **Subject : ** Incomplete and Incorrect Information in My Transunion Credit Report Upon reviewing my Transunion credit report on the aforementioned date, I have identified several discrepancies and inaccuracies. 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 following information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). And according to the XXXX XXXX XXXX XXXX they are suppose to do this list ( XXXX ) terminal of inaccurate or unverifiable information. ( A ) in general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a customer, 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 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 XXXX XXXX XXXX they are suppose to nor 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 explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I contacted this company via phone call to inquire as to why they are reporting a false debt to my XXXX and XXXX accounts. As per conversation I asked if they can provide an original purchase agreement that includes my signature, social security number, and an updated address to ensure who the debt belongs to. They were unable to provide this information to me thus proving the invalidity of this account. It is illegal to report a false account on such platforms. Failure to provide information on a legal bidding contract is against the law. LVNV does not have a purchase agreement that legally binds me to the debt, establishing the invalidity of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently went through my report and found some inquiries from various creditors that I did not approve. This raises concerns for me, as they could be related to identity theft or fraud. I would appreciate it if you could look into these inquiries and remove them from my credit report if they can't be confirmed as authorized. I've included my letter to the Bureaus, yet these inquiries still appeared on my current report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my credit.

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 2025-02-17 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: MO

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX XX/XX/2019 {$0.00} XXXX  These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-02-17 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: LA

Complaint narrative:
On all three of my credit report I have multiple inquiries that doesnt belong to me I have placed a fraud alert on my accounts all ( XXXX ). I only should have XXXX XXXX XXXX, XXXX XXXX, and nothing else I have all types of inquires that doesnt belong to me and I would like to be removed and deleted this is taking a toll on my credit. I have reached out to all three ( XXXX ) bureaus and nothing has changed.. I have repeatedly contacted all three bureaus to update my credit reports and nothing has happen this is overwhelming and is also giving me 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 2025-02-17 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: NC

Complaint narrative:
I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX and XXXX regarding a serious incident of fraud that has significantly impacted my financial standing and personal well-being. 

On XX/XX/year>, I was issued a check from XXXX XXXX XXXX XXXX to purchase a vehicle. Following the issuance of this check, it was unfortunately stolen from me. The check was subsequently cashed at XXXX without the proper endorsement and without my signature. This transaction was executed negligently on the bank 's part, as proper procedures for validating the authenticity of the check and the identity of the signer were evidently not followed. 

I have been in communication with XXXX XXXX regarding this incident ; however, they have placed an undue burden upon me, holding me responsible for the loss despite the clear evidence of fraud. The individual who cashed this check has since been arrested and indicted in superior court for this crime. I have been collaborating with XXXX XXXX of the XXXX Police Department, who has confirmed that the individual acted fraudulently in cashing the check. 

Additionally, investigators from the DMV and the XXXX Police Department are aware of this situation and support the assertion that the check was cash fraudulently. Given this context, it is unacceptable for XXXX XXXX to hold me accountable for a crime I did not commit. 

This entire ordeal has not only caused me financial distress but has had a detrimental impact on my credit as well, as I am now facing the repercussions of this fraud in attempts to clear my credit. This situation obliges me to seek legal restitution for the negligence displayed by both banks in allowing this to occur. 

I respectfully request that the CFPB investigate this matter thoroughly. I am seeking a resolution that includes the clearance of any negative impact on my credit history arising from this incident, as well as accountability for the negligence exhibited by XXXX XXXX XXXX XXXX and XXXX. 
Being that this person got access to so much of my personal information there are several items on my credit report that should be removed. I am working diligently with law enforcement regarding this matter of obtaining property by false pretense and ruining my identity and credit in the process. 

Thank you for your prompt attention to this matter. I look forward to your response and hope for a swift resolution. 
I have attached a copy of the check and the arrest records regarding this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX and XXXX regarding a serious incident of fraud that has significantly impacted my financial standing and personal well-being. 

On XX/XX/year>, I was issued a check from XXXX XXXX XXXX XXXX to purchase a vehicle. Following the issuance of this check, it was unfortunately stolen from me. The check was subsequently cashed at XXXX without the proper endorsement and without my signature. This transaction was executed negligently on the bank 's part, as proper procedures for validating the authenticity of the check and the identity of the signer were evidently not followed. 

I have been in communication with XXXX XXXX regarding this incident ; however, they have placed an undue burden upon me, holding me responsible for the loss despite the clear evidence of fraud. The individual who cashed this check has since been arrested and indicted in superior court for this crime. I have been collaborating with XXXX XXXX of the XXXX Police Department, who has confirmed that the individual acted fraudulently in cashing the check. 

Additionally, investigators from the DMV and the XXXX Police Department are aware of this situation and support the assertion that the check was cash fraudulently. Given this context, it is unacceptable for XXXX XXXX to hold me accountable for a crime I did not commit. 

This entire ordeal has not only caused me financial distress but has had a detrimental impact on my credit as well, as I am now facing the repercussions of this fraud in attempts to clear my credit. This situation obliges me to seek legal restitution for the negligence displayed by both banks in allowing this to occur. 

I respectfully request that the CFPB investigate this matter thoroughly. I am seeking a resolution that includes the clearance of any negative impact on my credit history arising from this incident, as well as accountability for the negligence exhibited by XXXX XXXX XXXX XXXX and XXXX. 
Being that this person got access to so much of my personal information there are several items on my credit report that should be removed. I am working diligently with law enforcement regarding this matter of obtaining property by false pretense and ruining my identity and credit in the process. 

Thank you for your prompt attention to this matter. I look forward to your response and hope for a swift resolution. 
I have attached a copy of the check and the arrest records regarding this matter.

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 2025-02-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I files for a XXXX XXXX bankruptcy in XXXX of XXXX and it was granted in XXXX XXXX XXXX. Navient was included on the bankruptcy and was sent the information from the bankruptcy court stating my bankruptcy was granted. Navient however did not discharge the private loan and continued collecting on it. From XX/XX/XXXX thru XXXX of XXXX I paid approximately {$1300.00} in payments to Navient. Had they discharged the loan when they received the information letter from the bankruptcy court I would not have paid this amount. I am requesting a refund of the monies paid to Navient from the time period stated. Since the bankruptcy my loan will be discharged thru Navient 's School misconduct discharge, however like I stated it should have been done back in XX/XX/XXXX when they received the letter from the bankruptcy court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I have a Cite Driver 's Edge credit card. Every time I make a purchase reward dollars are accumulated which I can use toward the purchase of a new car. I purchased a new care in late XXXX and submitted the paperwork. i heard nothing for 6 weeks. When I started calling the number for rebates I kept getting the general help line. Eventually someone told me to resubmit which I have done. 


The phone is in a loop the rebates number goes directly to the general call center number. When I talk to someone at the general number they tell me no that is not happening and transfer to the general help number. 

I want to get my rebate check.

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 monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity 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 2025-02-17 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-02-17 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: CA

Complaint narrative:
The financial institution are in violation of XXXX CFR XXXX furnishing my nonpublic information without my consent or meeting the requirements of car 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 2025-02-17 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX processed an apartment application under my name and I never submitted an application for an apartment with this company. They sent me an approval email on XX/XX/XXXX and when I spoke with their leasing manager, I was told that they had an issue with their system and all applications were processed automatically. In the approval email I received, an address from when I lived in XXXX XXXX  was listed, which further lets me know that the company illegally processed this application, as I havent lived in XXXX XXXX since XXXX. 

I informed them again that I did not submit an application or pay any fees to even submit an application and they stated that it would be noted and resolved. The leasing manager did offer me a tour since I did inquire about the apartments, however I made it clear that I did not submit an application and only wanted to inquire about their units. I am now trying to find an apartment to move back home to XXXX from XXXX, and I am being told that XXXX at XXXX XXXX has a collection on my report and I owe a balance. I never lived at this property and never processed an application. 

They refuse to answer any of my phone calls and this is blocking me from getting the apartment I need. Ive started a dispute with Equifax and placed a fraud alert on my report, however I am being told by Equifax that this will take up to XXXX days but this is unacceptable as this is an erroneous claim. 

I have leases from my apartment in XXXX to prove that Ive never lived at this complex since Ive been in XXXX for the past XXXX years, and can also provide bank statements to prove Ive never submitted an application with this company, as there is no way to submit an application with an apartment without paying administrative and application fees. 

I now have XXXX  days to leave my current apartment when my lease is up, and could potentially be homeless because of this erroneous claim. Please help me to resolve this before XXXX  days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: FL

Complaint narrative:
The mistakes on my report are not just frustratingthey are causing me real financial harm. I have already lost opportunities because of these errors, and I refuse to continue being penalized for something that is not my fault. This is unacceptable, and it needs to be fixed immediately.

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 2025-02-17 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: CA

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-02-17 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: CA

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief