vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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: NY

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 each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I have over 15 hard inquries on my XXXX credit report that i did not give permission to search for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I C SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX Opened XXXX XXXX, XXXX  ( 2 mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Placed for collection Original Creditor Name XXXX XXXX XXXX  Closed No Info

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am disputing the reporting of an account from XXXX XXXX XXXX on my credit report due to inaccuracies, incomplete reporting, and legal violations. Specifically : Inaccurate Reporting Across All Bureaus : XXXX lists the account as " Charge Off. '' TransUnion lists the account as " Charged Off as Bad Debt. '' XXXX lists the account as " Unpaid Balance Reported as a Loss by Credit Grantor. '' However, XXXX has not issued a Form 1099-C for the alleged cancellation of debt, which violates IRS requirements and Metro 2 guidelines. 
Legal Violations Related to the Account : The account is based on an unlawful repossession. XXXX failed to comply with North Carolina law ( N.C. Gen. Stat. 20-58.4A ), which requires proper notice of default and the right to redeem or reinstate a vehicle loan to be sent by certified mail to the borrowers address. Instead, their notice was improperly sent to their own office in XXXX, GA, and not to my address in XXXX, NC. 
Deceptive Practices in CFPB Complaints : XXXX has provided inconsistent and misleading responses to prior CFPB complaints, raising concerns about the accuracy of their reporting and handling of this account. 
These inaccuracies and violations have negatively impacted my creditworthiness.

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 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
On XX/XX/10 someone tried to get a loan on my card ( {$30000.00} $ ). The bank called me on this suspicious activity and I denied that I submitted the application. They cancelled the attempted 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 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification - Loan Type XXXX Original Creditor Name - Months Reviewed XXXX Activity Designator - Terms Frequency DEFERRED Term Duration - Purchased From - Sold To - Balance and Amounts Balance {$2300.00} XXXX XXXX - High Credit {$2100.00} Date of First Delinquency - Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity XX/XX/XXXX Date of First Delinquency - Comments and Contact STUDENT LOAN - PAYMENT DEFERRED FIXED RATE For questions regarding this account please contact : DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX ) XXXX Date Company Address Request originator XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX XXXX ) XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX Soft Inquiries Date Company Description Request originator XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX - XXXX XXXX ID XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Original Creditor Name XXXX XXXX Date Assigned XX/XX/XXXX Original XXXX Owed {$420.00} Amount {$420.00} Status Date XX/XX/XXXX Status UNPAID Comments XXXX Balance Date XX/XX/XXXX Account XXXX XXXX INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of First Delinquency XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE 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
Consumer complaint received 2025-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/year>, I went to the XXXX branch of Bank of America branch for assistance in sending a wire. The representative there directed me to send the wire from my app and assisted me in doing so. The wire was in amount of {$100000.00} to recipient XXXX XXXX XXXX. 

On XX/XX/XXXX, I received a call from Bank of America about the wire and was informed that it was flagged on suspicion of fraud and additional information was requested about the purpose of the wire. On XX/XX/XXXX, I brought the information to the branch for review and they called the wire department with me about the wire. They shared that the wire details still did not make sense for the wire and informed me that it would be cancelled and the funds would be returned to my account. 

Instead, the wire was released and cleared my account. BOA claims they dont know how that happened, or why.

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 2025-01-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CO

Complaint narrative:
I filed a school misconduct application for the discharge of my private student loans because they were forced on me by the XXXX XXXX when I attended. The XXXX XXXX and XXXX have been found to have engaged in fraudulent and deceptive practices and as a result, the federal government has discharged all federal loans for defrauded students like me. 

I applied for a school misconduct discharge of my XXXX XXXX loans on XX/XX/XXXX. In that application, I laid out XXXX pages of evidence and testimony as to why these loans should be discharged and refunded. 

The original Principal on this loan was {$4800.00} I started payments on this loan on XX/XX/XXXX I have paid {$13000.00} to date My balance as of today is {$4800.00} Today, I received a blanket denial letter stating that I was not eligible for a discharge. 

The letter gave a generic " XXXX carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' OK. Fine.

I contacted MOHELA to get an explanation as to why my application was denied and was told that the reasons were " Proprietary and confidential ''. 

As a consumer, I have a right to know what led to the determination of my denial and should be allowed to rebut any reasons behind it. 

The fact that MOHELA and XXXX both KNOW that these schools acted in a fraudulent matter and are denying discharges is acting in bad faith. They are making it even worse by not giving a reason for denying it, other than the generic blanket denial statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I dont have knowledge for this account right now, XXXX XXXX XXXX  XXXX Late Payment {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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:
I dont have knowledge for this account right now, XXXX XXXX XXXX XXXX Late Payment {$12000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-10 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have sent several disputes regarding this matter, and I am being disregarded. This company is listed on my credit report twice and reporting inaccurate information. See attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I am writing to file a complaint regarding an unauthorized XXXX transaction from my bank account that occurred on XX/XX/year>. Without my knowledge or consent, {$3200.00} was withdrawn from my savings account using XXXX. The money was sent to someone named XXXX, a person I do not know or recognize. 

I took action by filing a police report with my local law enforcement ( XXXX, CT ) and the police report number is XXXX XXXX XXXXXXXX. I also reported the issue to my bank same day and requested assistance in investigating and resolving this matter. 

To my surprise, my bank denied my dispute, stating that the transaction originated from my device. This conclusion does not make sense because I was at work the entire day, and my phone was with me that whole day. I did not authorize this transaction, nor did I lend my phone to anyone or provide any authorization codes. I am requesting a thorough investigation because this explanation does not align with the facts of my situation. I also changed my password to with a Bank of America agent named XXXX over at Pennsylvania on the phone. Additionally, around XXXX XXXX, I received a text message from my bank stating that someone accessed my account from XXXX, Illinois as shown in the photos I provided a location where I have never been. I do not understand how the bank did not recognize this during their investigation, as this activity is clearly suspicious and inconsistent with my usual account behavior. This unauthorized transaction has left me confused and deeply concerned about how my account was accessed.

This situation has caused significant financial distress. The loss of {$3200.00} has left me broke for 2 weeks and unable to pay critical medical bills that are overdue. I havent been provided a provisional credit throughout the XXXX weeks of them investigating. I rely on this money for essential expenses, and my financial situation has become dire because of this incident. I feel out of options and urgently need help to resolve this matter. I am completely broke due to this incident. 

I am requesting your intervention to investigate this issue and ensure that my bank fulfills its obligations to protect its customers from unauthorized transactions and provide temporary credit during the reopened investigation. I am willing to provide any additional documentation or information necessary to support my complaint. 

Thank you for your time and attention to this urgent 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 monetary relief
Consumer complaint received 2025-01-10 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:
XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 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 2025-01-10 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: CBC Companies, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Consumer Name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer SSN : XXXX 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 TransUnion 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 a collection from XXXX XXXX  with a balance of {$2500.00}, another account with XXXX XXXX {$2600.00} 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 # from FTC report ] 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 2025-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MD

Complaint narrative:
I have contacted Mohela on multiple occasions via various communication channels in an attempt to obtain my full payment history and loan status for the life of all federal and direct loans. To date, this information has not been provided to me which is something my current loan servicer should be able to provide. Mohela has also failed to report 26 payments to Federal Student Aid ( FSA ). These 26 missing payments are from XXXX and do not show up in my FSA online account because Mohela has failed to report the payments. The missing XXXX payments include XXXX ( XXXX, XXXX ), XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ), XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ), and XXXX ( XXXX, 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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally and request verification regarding inaccurate or incomplete information reflected on my credit report under my name. Despite my best efforts and multiple attempts through all associated parties to resolve this matter, the issues remain unresolved.

Specifically, I request the following information for the account ( s ) in question : 1. Date of First Delinquency 2. Outstanding Amount 3. Charge-Off Date 4. Date of Last Payment This information is critical to ensure the accuracy of my credit report and to clarify any misunderstandings about the validity of the account ( s ). As per the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute incomplete or inaccurate information and request a detailed investigation.

To assist you in identifying the relevant account ( s ), I have attached a copy of the report in question. If additional documentation is required, please let me know promptly so I can provide it. 


Thank you for your prompt attention to this matter. I look forward to your response.

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