vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hi. I am receiving multiple mailing from companies offering me a loan. They are doing that because the credit bureaus ( XXXX, XXXX and Trans Union ) are sharing my personal identifiable information with them. I received a letter for example from XXXX XXXX with the amount of my debt. The letter provides the names and addresses of the credit bureaus to opt out, which I have done and I'm on their do not mail list. The problem is that the information should never have been shared with these companies in the first place. In my situation, the damage is done. My husband found out about it and its a problem for me ( I loaned my brother a significant sum ). 

I receive information from credit card companies assuring me that my PPI is protected, and I have to create passwords to view my data, and the credit bureaus can just share my information without my consent and the burden to call and write letters is on me. 

This isn't right.

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 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hi. I am receiving multiple mailing from companies offering me a loan. They are doing that because the credit bureaus ( XXXX, Equifax and XXXX XXXX ) are sharing my personal identifiable information with them. I received a letter for example from XXXX XXXX with the amount of my debt. The letter provides the names and addresses of the credit bureaus to opt out, which I have done and I'm on their do not mail list. The problem is that the information should never have been shared with these companies in the first place. In my situation, the damage is done. My husband found out about it and its a problem for me ( I loaned my brother a significant sum ). 

I receive information from credit card companies assuring me that my PPI is protected, and I have to create passwords to view my data, and the credit bureaus can just share my information without my consent and the burden to call and write letters is on me. 

This isn't right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Financial, LLC
State: OH

Complaint narrative:
Opportunity Financial , LLC has refused to send me verification of the claim against me, validation of debt, contract binding both parties. They have reported inaccurate information that can not be validated. Per 15 U.S. Code 78cc, which emphasizes the importance of valid contracts, along with 15 U.S. Code 1692g Validation of debts and 15 U.S. Code 1681s2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. This company is also in violation of 15 U.S Code 1692c Communication in connection with debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: TX

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-07-11 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: CA

Complaint narrative:
Ive been disputing the validity of an account with experian since XX/XX/XXXX and experian keeps validating this account. I filed a complaint with the CFPB on XX/XX/XXXX experian took 60 days to respond to my account telling CFPB the account is validated and accurate on XX/XX/XXXX and sent me a predated credit report by mail with the date XX/XX/XXXX. Which contradicts their email sent on XX/XX/XXXX saying they're still working on it I even called experian on XX/XX/XXXX and the rep told me to disregard the report sent with the date XX/XX/XXXX because she was unsure why they sent that being that the account is still under investigation. It is XX/XX/XXXX and that account still says under investigation on the experian website in the dispute center. I sent in a complete break down of this said account and why its inaccurate so there is possibly no way to validate an account that I have a receipt for every single thing. These people do not do their job and I truly believe they cause us harm to sale our information for profit. They are not here for the consumer instead to hurt the consumer for profit. Because as long as my credit score is lower my interest rates are higher and its a profit.

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 2023-07-11 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: IN

Complaint narrative:
I have submitted the necessary supporting documents and I implore you to conduct a thorough investigation into this matter without delay.

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 2023-07-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK
State: OH

Complaint narrative:
We opened an account with Discover Bank in XXXX of this year with {$25000.00}. During this time period Discover bank was running a promotion of crediting savings accounts opened with an additional {$200.00} if the balance deposited was {$25000.00} or greater. After initialing opening the account, I didn't see any confirmation of the {$200.00} credit. I contacted customer service who told me a code needed inputted to receive the credit. They assured me that the code had been applied and I should receive the {$200.00} in our account within the next two months. 

Two months later, we still hadn't received any credit. I contacted customer service numerous times and they informed me that no code had been applied. They asked me for the code which I no longer had. I sent them a similar Discover promotion online with a code and they informed me that that code was no longer valid and they would not be able to credit me the {$200.00}. I had told them my previous conversation with customer service at the time of opening the account and if they checked their records they could see that I had been assured all was in order and that I would receive the credit. They did not even respond to this other than to say they were unable to give me the credit. It felt like a bait and switch scam. We have closed this account as we do not want to do business with an unreputable company. 

We are also contacting the Ohio XXXX Attorney General as we feel there may be a class of people that this involves and could also involve criminal activity by the bank. We are seniors and feel we were treated with little regard and taken advantage of. 

Thanks for all you do! 
XXXX and XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a victim of identity theft since XX/XX/XXXX. Checking account and saving account was not impacted by this. Individual took out personal loan and opened bank credit card in my name. I have been alerted of multiple inquiries that individual has attempted to take out additional loans in my name.

I've taken all necessary actions best to my knowledge to have this resolved. I reported identity theft though the 3 credit bureaus, IdentityTheft.gov, ssa.gov, and my local police station. I froze my credit with the 3 bureaus, closed my bank accounts and created new. 

Here are details of the accounts opened fraudulently : XX/XX/XXXX Account Balance {$9100.00} Account Number XXXX Address XXXX XXXX XXXX, XXXX XXXX OH, XXXX Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I filed a fraud dispute on this account XX/XX/XXXX through XXXX. A dispute was filed through XXXX XXXX on XX/XX/XXXX. After investigation, XXXX concluded that I am not responsible for this dispute balance amount on XXXX XXXX. Complete and notified on XX/XX/XXXX. 


New Inquiry XX/XX/XXXX / New account XX/XX/XXXX Account Balance {$9600.00} Account number XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA, XXXX Creditor Name XXXX XXXX XXXX XXXX  Industry Type Personal Loans Companies I filed a dispute through XXXX XXXX for this account XX/XX/XXXX with no update. I filed a second dispute through XXXX XXXX on XX/XX/XXXX that was submitted to TransUnion. on XX/XX/XXXX I received results that the dispute information was verified as accurate and Transunion did not change my information. This is the last and final dispute that has not been resolved. This account is significantly impacting my credit score negatively. 

I am XXXX XXXX XXXX and have never owned a credit card. The only loans I have are XXXX loans. I am recently XXXX and me and my husband are not able to purchase our first home because of this. In addition, I am unable to get my first credit card to improve my credit score since I do not qualify.

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 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2023-07-11 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: NJ

Complaint narrative:
Ive reached out to Transunion several times regarding ( 3 ) collections on my report : XXXX XXXX, XXXX, and XXXX XXXX XXXX I disputed these item several times. Today, I spoke with the agent at Transunion and asked them to provide the information that they are using to verify that these are accurate and belong to me. The agent stated that they dont have that info and they only go by what the businesses are telling them. Thats insane! These companies are not providing proper documentation and the consumer ( me ) can not get a copy of the documents to verify that they belong to me. Ive contacted the companies directly and they havent responded. I need Transunion to get the proper documentation from these businesses and provide copies to me. My identity was stolen some years ago and I believe these are a result of that. I need to know what they are using to verify its me. I am so frustrated bc Transunion has become so laid back when it comes to their consumers credit. It is affecting mine greatly!

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 2023-07-11 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: IN

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

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 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX the IRS deposited my XXXX tax return into my Bank of America account that was supposed to be closed since XX/XX/XXXX. When I contacted them in reference to my deposit they informed me it would be XXXX days before I receive a cashier check. However I was confused as to why the deposit was accepted when my account was supposedly closed. I spent days talking to different departments about what the issue could be. First it was fees owed, then it was open claims, the list goes on. The entire month of XXXX from the XXXX I was told once the fees were cleared the account would close and Id receive my funds. Its a month later and my account is still not closed, theyve debited my account for the fees they claim I owed and I still have yet to have access to my funds or receive a cashiers check. Im currently going through a hardship where Im at the closing process for my first home for me and my children and Im currently pregnant. Ive stressed to them over and over the mental and emotional trauma this is causing. That money, my money is for my down payment and Im only allowed so many extensions before the sellers go with another buyer. Ive filed and requested the hardship request with Bank of America to go in and withdraw my funds and it was denied. Ive been with them XXXX I dont understand why this is happening.

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 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX has reported inaccurate payment history that has resulted in my credit score dropping XXXX points unfairly. I am a single mom of XXXX with no support from the other parent and this is causing me to have difficulty with preapproval for a mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: PA

Complaint narrative:
XXXX, Equifax and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood.

As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate.

15 USC 1681 s-2 Says XXXX, Equifax and XXXX is a furnisher of information to a consumer reporting agency. 
XXXX, Equifax and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand XXXX, Equifax and XXXX to Cease and Desist the reporting of incorrect/ in accurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.

Prohibition : a law or regulation forbidding something XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX  Balance : {$3000.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX XXXX has reported inaccurate payment history that has resulted in my credit score dropping XXXX points unfairly. I am a single mom of XXXX  with no support from the other parent and this is causing me to have difficulty with preapproval for a mortgage

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 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: NY

Complaint narrative:
This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.

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 2023-07-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: ME

Complaint narrative:
My XXXX XXXX loans were transferred from XXXX to Aidvantage. All my loan information from XXXX was able to be downloaded to XXXX XXXX XXXX so I could easily track my payments. Upon transfer to Aidvantage, I am no longer able to download my loan activity to XXXX. So by transferring my loans to Aidvantage, a service was taken away from me, the consumer. Please direct Aidvantage to work with XXXX to enable consumers to download data to the largest personal finance software in the world. I should not have services taken away just because my loans were transferred. Many other XXXX users have the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: VA

Complaint narrative:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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:
I'm having difficulty accepting this issue and it's affecting my ability to sleep.

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 2023-07-11 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: NJ

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with explanation