vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
[ XXXXXXXX XXXX XXXXXXXX ] [ XXXX XXXX XXXX XXXX, XXXX ] [ XXXXXXXX XXXX XXXX ] [ XXXX ] [ XXXX ] [ Date : XX/XX/XXXX ] TransUnion LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Demand for Method of Verification Pursuant to 15 USC 1681i Dear TransUnion Representative, I am writing to formally request a method of verification regarding the information reported on my credit file, specifically concerning the XXXX XXXX trade line. This trade line has been marked as " updated and verified '' in your records ; however, I have not been provided with the pertinent information and documentation required to substantiate this verification, as is my right under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

As per my rights outlined in 15 USC 1681i, I am entitled to receive documentation that verifies the accuracy of the information you report. In this regard, I specifically request the following : 1. Copies of any and all contracts with wet signatures that establish the loan and/or debt associated with XXXX XXXX . 
2. All correspondence notifying me of the existence of this debt, including any initial notices or communications pertaining to it. 
3. The corresponding address linked to the XXXX XXXX trade line associated with this debt. 
4. Any other documentation or evidence you have that supports the legitimacy and accuracy of the debt being reported. 

The lack of this essential information raises significant concerns about the validity of the XXXX XXXX account being reported. I respectfully ask that you provide the aforementioned documentation to me within the timeframe specified by the FCRA. Failure to comply may compel me to pursue further action to protect my rights and ensure the integrity of my credit report is maintained. 

I appreciate your prompt attention to this matter and anticipate your response within the statutory timeframe. Thank you for your cooperation. 

Sincerely, [ XXXXXXXX XXXX XXXXXXXX ] [ Your Social Security Number or the last four digits, # 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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SANTANDER HOLDINGS USA, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX There was an unauthorized use of my social security no. 
please remove this inquiry as soon as possible fraudulent usage, stolen identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions 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 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 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CNG HOLDINGS INC
State: TX

Complaint narrative:
Several years ago, I borrowed money from the Cash Store. They charge very unfair interest rates ( much higher than the market rates ) which made it extremely difficult to pay back. I fell into collections and the debt was subsequently sold to several debt collection agencies. I've received several harrassing phone calls, emails and text messages from whoever they sold the debt to. The ones I can remember are XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I've paid in total over {$3000.00} to these collection agencies in attempt to stop their threats of legal action. I feel like I have been taken advantage of especially because I only borrowed {$950.00} ( approx ) from the Cash Store. I made several payments to the Cash Store before my account balance reached XXXX and they were unable to collect. I've paid several debt collection agencies any balances they said I owed in connection with the Cash Store and still get calls from others even though I have several " Paid in full '' letters from the collections companies I paid to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: CA

Complaint narrative:
These agencies have consistently ignored their responsibilities by letting these unauthorized items stick around. This kind of behavior is careless, damaging, and clearly goes against what federal law requires.

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2024-11-27 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: AZ

Complaint narrative:
I am a Victim of Data Breach and Identity theft. Please Enforce the Law and Make Experian block and delete the Collection account ( XXXX XXXX XXXX Account ) Open date XX/XX/year> and Closed within 4 business days pursuant to FCRA 605B15 U.S.C. 1681c-2. I have aattched supporting Documents to prove I was a victim of data breach and my identity was stolen. I also Aattched proof that XXXX XXXX Removed the Fraudulent Account From my Credit Report Experian thinks that they are above the law. I am asking the CFPB to enforce the law and make Experian remove these Fraudulent accounts that are not mine from my credit report. I demand that Experian remove this account, they are in Violation of 15 USC 1681

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 2024-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
Debt validation not provided. Copy of statements don't furnish as proof of original certificate of indebtedness. I did not provide any consent for my personal information to be shared with this party AMEX is in violation of privacy act of 1974 also 15USC1681b. This law firm has no NMLS ID to collect in the territory of CO. They are not a debt collector they are a private firm intimidating consumers to pay a debt that hasnt been proven. Wet signature and distribution of funds have not been proceed as well as internal records showing ownership of such debt. Securities fraud has been done by AMEX and FTC report has been filed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: CA

Complaint narrative:
Hello! 
I opened my complaint ( about Transunion ) XXXX I got responce XX/XX/year> : After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. Based on your request, we sent you a letter to inform you we were unable to locate a credit report for you and included a list of acceptable documentation and instructions on where to send them if you would like for us to re-check our records. 

I don't get any letter from you and how can i provide you more information about my injure? 
What is my next step to solve my issue?

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 2024-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I DID A COMPLIANT WITH CHASE THEY STILL ARE HOLDING MY MONEY THE ACCOUTANT EXCECTIVE WHO OPEN MY BUSINESS ACCOUNT OPEN IT WITH MY EIN NUMBER INSTEAD OF MY SOCIAL FOR THAT REASON THEY CLOSED MY ACCOUNT BUT REFUSED TO GIVE ME MY MONEY BECAUSE OF THE SOCIAL I PROVIDED MY ORGINIAL SOCIAL SECURITY MY BIRTH CERTIFICATE MY PASSPORT MY DRIVER 'S LICENSE AND ALL MY DOCUMENTS TO PROVE THAT MY SOCIAL IS CORRECT NOW THEY ARE ASKING FOR A COPY OF MY NEW SOCIAL WHICH I DONT HAVE A NEW SOCIAL I ONLY HAVE THE SOCIAL PROVIDED TO ME AT BIRTH THIS HAVE BEEN GOING ON FOR 2 MONTHS NOW AND NO RESOLUTION..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: CITIBANK, N.A.
State: NV

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Its outrageous that accounts in litigation are still on my credit report, damaging my credit score due to your inaction. Ive reached out repeatedly to correct this error, yet no action has been taken.

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. List all 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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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. List all 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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RCN Capital, LLC
State: NJ

Complaint narrative:
Sent in a request ( XX/XX/year> ) to have the payment ( {$6800.00} ) processed from a different account for one payment Servicer continued to use the account after the authorized one time payment. I since tried to cancel the ACH and was told they will not do that. They have already pulled from the account one time ( XXXX ) and now say they will continue to pull from that account. I emailed and was told no and I called and was told no I asked to speak to a manager and they told me they will continue to pull from the account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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