vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-25 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: NE

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-07-25 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: NE

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: CA

Complaint narrative:
I am submitting a complaint today to inform you that I have been a victim of identity theft. After researching how to remove the fraudulent items from my report, I found that I need to visit the Federal Trade Commission ( FTC ) at XXXX : XXXX to file a report. According to FCRA Section 605B, credit reporting agencies are required to remove any items listed in an identity theft report. Please find the attached documents to assist in the removing of the erroneous information currently on my report : XXXX XXXX XXXX XXXX XXXX ) {$260.00} Original Creditor- XXXX 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 2024-07-25 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 wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights

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 2024-07-25 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: MD

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 explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2024-07-25 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:
Please be advised this is my XXXX  WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I XXXX be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

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 2024-07-25 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: MO

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 non-monetary relief
Consumer complaint received 2024-07-25 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: MO

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 2024-07-25 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: Exeter Finance, LLC.
State: MD

Complaint narrative:
I am writing this formal letter to express my mixed feelings of disappointment, polite concern, and anger as a consumer regarding recent and newly discovered items that may contain potential misinformation and are not certifiably compliant with reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: EQUIFAX, INC.
State: NE

Complaint narrative:
There are unauthorized inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a 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 inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: CA

Complaint narrative:
I have been trying to get a loan for some time now but I am not getting approved because of the errors on my report. You have no idea how frustrating and disappointing it is to be ignored consistently on my requests to correct inaccuracies in my credit report, it's making me mentally sick.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
This company Transworld system is collecting adept that I do not owe which is based on identity theft I have submitted them a document but still they are trying to collect the money from me which is an identity theft I have provided them with police report and FTC report but still its on my Credit Report. I need this to be taken off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
XXXX an XXXX are reporting inaccurate information for an account with Navy federal Credit Union. This account is reporting a late payment which the late payment was credited to my account and should have been removed from my report as I was told by Navy Federal they are not supplying this info and that it would be corrected on XX/XX/year> but it was not. I need this information updated asap to reflect accurate info specifically late payment removed and account reporting paid as agreed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: NE

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-07-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX XXXX XXXX truist blatantly refused to accept XXXXXXXX XXXX worth of savings bonds for deposit to my account. They just refused to accept them, at first directing me inside from the drive through, then making me wait like XXXX minutes in line to then tell me it'd take too long and they'd need an appointment and I'd have to come back later. 

They never tried to even schedule the appointment. During this time, two other employees individuals decided to just go into the break room at around XXXX seeing the line.

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 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm contacting you regarding false personal information linked to my identity. Accounts and transactions I neither know about nor authorized have been wrongly attributed to me, causing me considerable anxiety. I've fallen victim to identity theft and have already reported this incident. This issue requires immediate attention, as it's negatively impacted my finances and reputation. I request your help in swiftly removing all fraudulent data from my credit report and thoroughly investigating this situation. I'm ready to provide any needed evidence and, if necessary, take legal steps to defend my rights and seek proper compensation. Your quick response to this pressing matter is greatly valued.

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 2024-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have had a secured credit card with Fifth Third Bank for several years in the amount of {$300.00}. On or about XX/XX/year> the Bank approved an increase to a {$5000.00} credit limit. Fifth Third Bank withdrew {$5000.00} from my savings account, instead of {$4700.00} which added to the {$300.00} they had previously withdrawn from my savings account adds up to {$5300.00}. 

Fifth Third wrongfully withdrew {$300.00} from my savings account that was not authorized. 

Additionally, Fifth Third Bank does not itemize in the bank statements that they have withdrawn the money for the secured credit card nor do they indicate anywhere in the statements that they are holding the sum of {$5300.00} to secure the credit card.

This makes it difficult for consumers to track the money withdrawn by the Bank to secure credit cards. The fact that the bank took {$5000.00} and disregarded the {$300.00} currently in their possession makes me question whether there will be problems having the money refunded at the time the secured credit card is closed and whether the Bank is attempting to mislead consumers.

I called the Bank 's customer service and after 45 minutes of conversation they refused to confirm that {$5000.00} had been withdrawn from my savings account and they refused to refund my {$300.00}, stating I needed to deal with the local branch. 

I sent an email on XX/XX/year> to the agent at the local branch who had assisted me explaining the problem and asking that the bank refund the {$300.00}. I received an email stating that the agent would not help me unless I called or came into the branch. The number the agent provided is not a direct line and I could not connect with him. I work full time and can not make a trip to the bank to fix this. I wrote to the agent again on XX/XX/year> and asked that my money be refunded and that they also provide written proof that the bank had withdrawn {$5000.00} from my account and that they were holding the sum of {$5300.00} to secure the credit card. The agent again stated he would not assist me unless I called or came into the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: FC HoldCo LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I spoke to a salesperson, over the phone, at XXXX XXXX XXXX XXXX XXXX ; about about possibly purchasing a vehicle. A XXXX XXXX XXXX XXXX was pitched to me for {$29000.00}. I inquired if I was given all of the paperwork that I signed. I was told that the bank would contact me about the paperwork. I never talked to any bank How did they get my information without my permission? Flagship Assurance did contact me and I asked to see the paperwork. I never got the copies that I asked for.

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 2024-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
In XXXX I opened a XXXX credit card bought and paid as owed. Then in XXXX of XXXX I got XXXX  and missed a week of week, then America was shutdown for almost a year. Couldn't pay my bills like I was. Contacted XXXX was on a plan then it went to a collection. XXXX XXXX XXXX. po box XXXX XXXX UT, XXXX. Then I started receiving phone calls the man said he was the attorney and oh your going to pay, he was going to make sure of that, I tried tell him what was going on in my life trying to support a family on penny 's, sad he didn't care that I need to send all my money to him first, we had a argument about this for a little bit explain to him that he would be taking food out of my child 's mouth said he didn't care. I would get these phone calls for a few months then stop, then started getting civil citation for courts, now he's got a XXXX XXXX XXXX XXXXXXXX XXXX XXXX out of XXXX XXXX. A lawsuit against me for the {$3600.00}. The lawsuit says that it will garnish my wages or sell my property my vehicles whatever to pay the debt and he's had people come out to my house serve me papers when I'm sitting in my car trying to get ready to go to work this threatening show of force and calling me harassing me almost all day long and I work nights I have to turn my phone off during the day so I can sleep scared to death my vehicles will be towed off won't have a ride to work or he's threatened to come up to my work to serve me papers. I've contacted the original owner of the loan Advent to try to settle with them because I do not trust this debt collector I feel like I would never pay off the debt and I would be in debt with him forever they said that they sold the account to The Collector I made about emails to them about the situation at hand and they said that they will call me to talk to me about options I haven't heard from him yet. Scared to let my family outside to play to do things in the front yard thinking that somebody's going to come up and serve them with paperwork or say something to him something not for sure.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit
State: AZ

Complaint narrative:
Creditor is sending wrong information to the credit bureaus. Creditor is VW Credit. This account was charged off due to my vehicle being stolen in XX/XX/XXXX. Also, they keep updating that my payment is late every month to the credit bureau even though the account is charged off. I called VW credit today on XX/XX/XXXX and they informed me that they do not send late payments. However, that is not true. On my credit reports is says that I made a payment on XX/XX/XXXX which is not true.

Company response to consumer: Closed with explanation