vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX Date : XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Formal Dispute of Verified Dispute under the Fair Credit Reporting Act Dear TransUnion, I am writing to formally dispute the accuracy of information on my credit report, as verified by TransUnion , in accordance with the Fair Credit Reporting Act ( FCRA ), Section 611. I request that you conduct a thorough investigation into the matter and provide me with a detailed response as soon as possible. 
Public Record Account Information : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX BANKRUPTCY XXXX XX/XX/XXXX. 
Nature of Dispute : On XX/XX/XXXX, I submitted a dispute regarding the public record on my credit report. Under the FCRA, you are required to investigate and verify the accuracy of the information within 30 days. However, I have reason to believe that the verification was not conducted within the specified time frame, as outlined in Section 611 ( a ) ( 1 ) ( A ) of the FCRA and the public recorded must be deleted.

I am seeking clarification on the verification process and request that you provide documentation demonstrating compliance with the statutory time limit. Additionally, please provide all information that was verified during this process.

I am aware that the FCRA requires you to investigate disputes in a timely and thorough manner. Failure to comply with these provisions may result in legal consequences, including the removal of inaccurate information from my credit report.

I expect your prompt attention to this matter, and I kindly request that you provide a written response within 30 days of receiving this letter, as required by law. 
Thank you for your prompt attention to this matter. I look forward to a resolution that ensures the accuracy and integrity of my credit report. 
Sincerely, 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 2023-11-27 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: KY

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 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 2023-11-27 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: KY

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 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: IL

Complaint narrative:
Ordered flowers on their website XXXX on XX/XX/2023 order XXXX for {$130.00}. All I received was an emailed receipt. They took the money out of my bank account via my debit card and never delivered the flowers. I called both numbers listed and the phone rang and rang, and no one picked up and I got a voice message claiming voicemail was full and it hung up. Second number I called I got no answer at all and it disconnected me! I then called US Bank to try to stop the payment and she said they could not and has to dispute the charge. She then filed the dispute her name was XXXX. Complaint XXXX. This website and those running it are committing fraud and I want this complaint shared with the FTC, FBI Cybersecurity unit and IL and Oregon Attorney Generals offices!!!

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 2023-11-27 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 implore you to take swift measures to eliminate the unauthorized accounts from my credit report, as they were not approved by me and are causing substantial distress.

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 2023-11-27 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: TX

Complaint narrative:
I implore you to take swift measures to eliminate the unauthorized accounts from my credit report, as they were not approved by me and are causing substantial distress.

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 2023-11-27 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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 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: TX

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-11-27 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
XXXX XXXX COMENTITY BANK JARED XXXXXXXX XXXX In accordance with the Fair Credit Reporting act this creditor has violated my rights under 15 usc 1681 section 602 states, I have the right to privacy. Under 15 usc 1681 604A section 2, a consumer reporting agency can not furnish an account without my written instruction. 15 usc 166B, states a creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was sent a text from Wells Fargo saying that I needed to contact XXXX XXXX because I was being hacked by XXXX. I called the number provided ( XXXX ) and was told I was speaking to XXXX XXXX. He gave me a case number : XXXX. I was asked to download two apps. One is called XXXX the other is XXXX. I was told that a dummy account was being set up so that a couple of dummy transactions would occur to establish security. Four transactions were conducted and were shown to not affect my account. Then I was asked to do the same thing with a wire transfer of {$25000.00} to accomplish the same thing. I was instructed to call the bank immediately to tell them to make sure the wire transfer was completed. At this point I understood that this was fraudulent and contacted the bank immediately. The bank told me that wire was executed and could not be reversed. 

I am concerned that the bank did nothing to authenticate the wire transfer. I have never wired money before and I have never dealt with XXXX XXXX Bank. I contend that the bank is liable for not following a protocol to flag fraudulent transacti

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 2023-11-27 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:
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. 

Account names : XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602A states that I have a right to privacy.

15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) 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 USC 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 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 2023-11-27 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: LEXISNEXIS
State: SC

Complaint narrative:
I contacted LexisNexis via US Postal mail and Fax. LexisNexis claims its been verified the XXXX XXXX on my public record as Accurate and True. They cant verify as such. I have a letter directly from the NJ Federal Bankruptcy Court saying they report to NO ONE!! LexisNexis is simply a third party company that pulls public record through poor outdated electronic means. XXXX!! They have zero interaction with the court. Ive asked LexisNexis for proof for 2 years!! I want legit documents, emails or postal mail. LexisNexis can not produce evidence that they have been in direct contact with the NJ Bankruptcy Court regarding my XXXX XXXX. Since they are liars I want the public record removed from all credit score companies. They so easily slapped it on my report by getting this garbage from XXXX. There are many discrepancies none of which they could possibly verify. I have a letter from the federal court. They are committing a crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: FL

Complaint narrative:
LOANCARE WEBSITE DOWN FOR EVERYONE FOR WEEKS AND ALL PHONE LINES DOWN???? WHAT IS GOING ON. NOBODY CAN MAKE A PATYMENT DUE TO THE WEBSITE AND PHONES BEING DOWN SUPPOSIDLY TO A TECHINICAL ERROR. I HAVE MY PAYMENT SCHEDULED ALREADY BUT HAVE READ MANY PEOPLES COMPLAINTS ONLINE WHERE THERE PAYMENTS DIDNT COME OUT AND THERE IS NO WAY TO SPEAK TO ANYONE???? 


MYLOANCARE.COM IS THE WEBSITE I DID FIND SOME INFORMATION FROM ANOTHER WEBSITE. THE CUSTOMER SERVICE PHONE NUMBER GIVEN BELOW IS DOWN TOO. 

XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 To : All Issuing Offices RE : UNDERWRITING - Security Event Affecting LoanCare , LLC Dear Associates : We have been advised that LoanCare , LLC has experienced a security event. As a precautionary measure, LoanCare has restricted access to certain systems, including email. We have been advised that LoanCare is working to address the issue and to restore normal operations as quickly as possible. 
Effective immediately, until further notice : Do not close transactions involving LoanCare , LLC. Do not transmit funds to LoanCare , LLC. 
Additional information may be available at LoanCare, LLCs website : https : //www.loancareservicing.com/ Or by calling LoanCares Customer Service XXXX at : 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 2023-11-27 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: MD

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 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 2023-11-27 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:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2023-11-27 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: LA

Complaint narrative:
Yesterday and for XXXX XXXX XXXX I have been working hard to manage my accounts for better scores to purchase house and car. Yesterday score was XXXX all info same today lowered score XXXX points nothing was changed I paid as I was supposed to someones tampering with this account.

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 2023-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
My first loan payment {$510.00} was due XX/XX/. I Bank of America bill pay and payed the bill on XX/XX/. Today is XX/XX/, and the payment still has not been processed. Called BOA and the associate stated it will be several more days until processed and I will have a late charge. I believe this to be malicious just to get the late charge or they are just that incompetent

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 2023-11-27 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:
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 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 2023-11-27 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: NC

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 2023-11-27 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:
15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) - Unauthorized inquiries AFFIDAVIT Notice, it is a fact, TRANSUNION is aware, THOSE INQUIRIES ARE unauthorized and has been furnished without my consent. There was no permissible purpose and is a violation of 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). REMOVE INQUIRIES BEFORE I take legal ACTION

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 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: FL

Complaint narrative:
The company I am having trouble with is chime banking. I ask them why my account was locked and they said a deposit received into my account was not supposed to be there so they closed my account on XX/XX/ for investigation. On XX/XX/XXXX, they made the decision to close my account and say I am not eligible for any funds on my account even after they did not tell me the load I received in my account. I showed them my bank statements and it shows proof of no deposit was made into my account from what I keep getting emails about, even after I showed all my documents of how I received my money in paystubs. I work I am employed this is strange for me to be in this predicament. I had no access to my funds since XX/XX/XXXX till this day of my complaint.

Company response to consumer: Closed with explanation