vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
It is Transunions duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. 

Transunion is reporting an inaccurate late payment for the XXXX XXXX account " XXXX ... '' This is a 30 day late payment posted in XX/XX/2021. 

This is incorrect and supposed to be reported as PAID AS AGREED. 

Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( XXXX ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. 

A transaction constitutes these late payments resulting in Transunion violating my federally protected consumer rights. To add to this, I did NOT give Transunion written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). 

It is clear that Transunion violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination. 

I am trying to get business funding and this incorrect information is directly harming my ability to do so.

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 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am interested in processing disputes with Equifax to help clear my file. these reports are inaccurate an I need these items removed asap. review the information listed an update all items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had an account with Wells Fargo years ago, approx. XXXX I was charged numerous overdraft fees and had my account closed. I just heard they just reached a settlement for this exact issue and I was never contacted in regards to my 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 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX I sent A complaint to remove or block these listed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database. 

Disputes were sent to Transunion on XX/XX/2023 via Certified Mail and received and signed for on XX/XX/XXXX. Tracking documentation is attached. As of XX/XX/2023. I have not received any notification that my dispute was processed or the results of the dispute.

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 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
In accordance with the fair reporting credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602A states 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 items of information other than records convictions of crimes which antedates the report by more than 7 years. 

15 USC 1681s- ( 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 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
In accordance with the fair reporting credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : account numberXXXX XXXX XXXX XXXX : account number-XXXX XXXXXXXX XXXX  XXXX : account number-XXXX XXXX XXXX XXXX : account numberXXXX 15 USC 1681 section 602A states 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 items of information other than records convictions of crimes which antedates the report by more than 7 years. 

15 USC 1681s- ( 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 explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX and XX/XX/XXXX  I made several calls to XXXX, Equifax, and XXXX Consumer Solutions reporting agencies, to inform them that my consumer report had inaccurate information on them. Names, addreses, phone numbers, and employers are inaccurate which have been reported without my consent nor to my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX and XX/XX/2023 I made several calls to XXXX, XXXX, and TransUnion Consumer Solutions reporting agencies, to inform them that my consumer report had inaccurate information on them. Names, addreses, phone numbers, and employers are inaccurate which have been reported without my consent nor to my knowledge.

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 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The following are fraudulent inquiries that I did not authorized : *Experian Business Cred ( XX/XX/2022 ) XXXX XXXX XXXX ( XX/XX/2022 ) XXXX XXXX XXXXXXXX XXXX ( XX/XX/2022 ) XXXX XXXX ( XX/XX/2022 ) XXXX XXXX XXXXXXXX ( XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 ) XXXX XXXX XXXX XX/XX/2022 ) XXXX XXXXXXXX XXXX ( XX/XX/2022 )

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 2023-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I need help with a loan that I have with Truist. Truist has been an absolute NIGHTMARE to deal with. I called customer service and got passed around from department to department just to get disconnected 5 different times! The branch leader in XXXX XXXX, XXXX XXXX, has been a nightmare to deal with too and worthless. Ive gone to see him 3 times in the past week because he never answers the phone, calls me back, or responds to email. Ive filed a complaint with customer service and was told Id be given a call this morning, and have yet to hear anything. Ive been trying to reach XXXX XXXX since last Thursday and have had to come in every time because I cant get him to respond to calls or email. 

My truck was stolen and I received an insurance payout and they sent a check for the remainder to Truist last month, so I didnt make a car payment. Then I got hit with a late fee for not paying. So I called to ask what the reason was and was told you Truist couldnt cash the check and I needed to go to my local branch. I go to my local branch and am told the title wasnt perfected because Truist was never listed as the lien. Ive had the truck for over 5 years and Truist was never on the Lien!!! Thats on Truist not me! 

So then I was told to go to the DMV and have them add you as the lien. Well the DMV tells me they cant give out a duplicate title for a stolen vehicle and that the only way would be to get the stolen status lifted which there is no way in hell the police are going to do during an ongoing investigation. And Ive contacted Truist over and over, and stopped by numerous times and no one can help me figure it out. I swear to God Truist better make sure that my credit score is not effected. As of now they have crushed my credit and I demand they do whatever it takes to get it back to the deserved credit score as well as cash the damn 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 non-monetary relief
Consumer complaint received 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance with fair credit reporting act XXXX Account # XXXX, has violated my right. 
15 USC 1681 Section 602 States i have the right to privacy.

15USC 1681 Section 604 A section2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for the purpose.

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 2023-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: MO

Complaint narrative:
My phone was taken without my permission and used to XXXX XXXX money to 2 people over 66 transactions of $ XXXX {$150.00} sent continuously to these two individuals that I have never done transactions with prior. I did not give anybody authorization to use my card or my phone I was unaware of transaction being made because I didn't have a phone. I don't know who is responsible for making these charges I reported the charges and when I submitted the to the bank the ftc identity report the bank decided the end their relationship with me before the 10 day investigation passes so they don't have to provide me a provisional credit. I also experienced a system error and they sent the wrong person my money with their pay anyone even if they are not on chime it says you can send money to anyone by entering their phone number. I entered my son 's phone number and I sent him {$300.00} for his birthday I made sure the info I entered correctly hit send while my son was with me he never received the money and chime sent it to some man 's chime account and never notified my son of the money. I then requested the money back from this man appearing in my recently sent contacta I requested the {$300.00} and for some reason my son received a text message saying I requested {$300.00} from him to my chime account. I was told that I have to track this man down to get my money back when I am not the one who sent him any money I sent money to my son 's phone number a phone number I pay for. It is not my fault they redirected the money to somebody else 's account. They also would not provide me any contact information for this man to try and get my money that they wrongly sent to the wrong receipent. I find it all conviennt that they want to cancel my account before the 11th day when they are legally responsible to issue a provisional credit to my account for the unauthorized activity that should have thrown red flags and never should have been authorized. I want my money that was sent to this stranger returned to me or send to the correct phone number that I entered when sending and I want a provisional credit for the 66 unauthorized transactions that I am currently disputing before they shut down my account because I am protected from unauthorized purchases and that is my right by law. They can't close my account to prevent from issuing these provisional credits after I provided them with the FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
I have reached out several times to Mohela regarding the status of my student loans. I inquired about receiving a refund for what I paid during the COVID 19 Pandemic and have not received a straight answer. My loans were originally with XXXX and recently transferred to Mohela. My first contact with Mohela was through their messaging portal on their website on XX/XX/XXXX, XX/XX/XXXX, and XXXX. I received a generic FAQ and not an answer to my question on XX/XX/XXXX. As a result I filed two claims with the XXXX XXXX XXXX that were closed because the company made promises to contact me. I finally received a letter in the mail in XX/XX/XXXX that stated my request was received and that I would receive a check from the US Treasury. I sent a message to Mohela on XX/XX/XXXX and was told that the US Treasury would send the refund within 60 days of receiving the letter. On XX/XX/XXXX I sent another message after not receiving a refund and was told that they could not verify a maximum time to receive the refund on behalf of the US Treasury. I chatted with a Mohela representative XX/XX/XXXX and was told that I had not received a refund because Mohela was working with my previous servicer ( XXXX ) to obtain my payment history. I would like a straight answer at this point as I have waited over 5 months since my initial request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
My mortgage processor incorrectly reported my 30/60 days behind at beginning of my covid forbearance. 

They have since suppressed the reporting. I have contacted and opened multiple disputes at Transunion. Transunion tells me that there is nothing negative on my credit report to dispute and that my report is fine. 

But Im being declined for credit from XXXX XXXX and the key factors are " serious delinquency '' clearly on my credit applications. I also have XXXX reducing my credit limit and when I look at my Fico score it says " serious delinquency '' I have asked multiple times to speak with a supervisor but I dont receive any calls back. 

Even inside Transunion account it says accounts with adverse information and lists my mortgage processor. 

See the attached documents

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 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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.

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 2023-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation