vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Greetings, I requested that TransUnion and XXXX to update my personal information on my credit report on XX/XX/. The information that was requested was to remove all previous or address that inaccurate on my credit report and only use the address. 

XXXX XXXX XXXX, XXXX, XXXX XXXX Also, I requested all phone numbers to be removed from my credit report and change my work history to XXXX. 

As of now, the information still remains on my credit report, and I would like for the information to be deleted. 

Also, the only name that should be on file is 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 2023-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-12-15 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: FL

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Refer to the attached documents. I request an investigation into these accounts, as they incorrectly reflect late payments when I have always been on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
Re : Account Name : Security Credit Services Account : # XXXX Type Account : Alleged Collection I have previously disputed the above referenced account on [ XX/XX/2023 ]. This item was deleted from the credit file on the subsequent credit report of [ XX/XX/2023 ] - [ XX/XX/2023 ] based on my credit report alerts from XXXX XXXX. ( SEE ATTACHMENT ). However, now these items have reappeared on my credit report without the collection agency following the legal reinsertion process as outlined in FCRA. 

In accordance with the requirements of the FCRA, I am hereby requesting SECURITY CREDIT SERVICES to complete complete compliance with any and all of the provisions listed below and permanently remove this item. 

FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinstatement of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I did not receive this required notification. In essence, this is a serious violation of the FCRA. I may choose to exercise my right to pursue further action. I INSIST that you immediately delete this listing from my credit report within the next 5 days, if you would like to avoid me moving forward with my said rights. 

Once complete, mail me an updated copy of my credit report showing this item has been deleted. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Western-Shamrock Corporation
State: OK

Complaint narrative:
Western Shamrock has been advised not to contact myself or any references listed on account by telephone. They continue to call after request to communicate via writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: CT

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-12-15 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:
1. XXXX XXXX my Account was opened with XXXX XXXX XXXX. On XX/XX/XXXX the account was Charged off for the amount of {$1200.00}. 
2. XX/XX/XXXX my account was opened with XXXX XXXX XXXX. On XX/XX/XXXX the account was charged off for the Amount of {$23000.00}. 
This companies are in clear Violation of Language Fraud, Identity Fraud, and the XXXX XXXX XXXX XXXX. Not only did my bank violate the terms and conditions that they granted to me at the time of the account opening. The Credit Reporting agencies XXXX, XXXX, and TransUnion have Also Violated my rights as a Consumer and broke the law by doing so. Now According to the Codes and the Federal Trade Commission i the consumer Must give Consent for Said banks and third party companies to use or give out my Private Information. I the consumer must give Consent for the Third party Companies such as XXXX XXXX XXXX, Transunion, XXXX, And XXXX to Report ANYTHING ON MY CREDIT. Per the Fair Credit Reporting Act as a Federally Protected Consumer I Am Now OPTING OUT of ANY & ALL authorization that I the Consumer may have Given you Written, unwritten, verbal or nonverbal per 15 usc 6802. 16CFR 313.13. Furthermore Every 30 days im supposed to receive the Option to Opt Out, which was never Expressed nor sent for me to Properly conduct my Affairs.

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 2023-12-15 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: NY

Complaint narrative:
1. XXXX XXXX my Account was opened with XXXX XXXX XXXX. On XX/XX/XXXX the account was Charged off for the amount of {$1200.00}. 
XXXX. XX/XX/XXXX my account was opened with XXXX XXXX XXXX. On XX/XX/XXXX the account was charged off for the Amount of {$23000.00}. 
This companies are in clear Violation of Language Fraud, Identity Fraud, and the XXXX XXXX XXXX XXXX Not only did my bank violate the terms and conditions that they granted to me at the time of the account opening. The Credit Reporting agencies XXXX, Equifax, and XXXX have Also Violated my rights as a Consumer and broke the law by doing so. Now According to the Codes and the Federal Trade Commission i the consumer Must give Consent for Said banks and third party companies to use or give out my Private Information. I the consumer must give Consent for the Third party Companies such as XXXX XXXX XXXX, XXXX, XXXX, And Equifax to Report ANYTHING ON MY CREDIT. Per the Fair Credit Reporting Act as a Federally Protected Consumer I Am Now OPTING OUT of ANY & ALL authorization that I the Consumer may have Given you Written, unwritten, verbal or nonverbal per 15 usc 6802. 16CFR 313.13. Furthermore Every 30 days im supposed to receive the Option to Opt Out, which was never Expressed nor sent for me to Properly conduct my Affairs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Eliminate this from my credit report as quickly as possible!

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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Uplift, Inc
State: CA

Complaint narrative:
I opened a personal loan account for XXXX XXXX purchase in XX/XX/2023. UpLift company is the lender. My payments were accurate and always on time. From XX/XX/2023 company blocked my online access, hindering me to pay off my balance. I called them for maikng phone payment, was denied assistance. They escalated my account to collection in retaliation due to my complaint-demands to fix my account online portal system glitches and/or accept my payment over the phone. I was denied communications, never got callbacks or replies to my emails. This lender committed serious banking laws violations, banking discrimination and predatory lending. Attached is a proof of what problems I faced and continue to face up to date. My credit score was crushed fraudulently. I need your help to enforce the laws and intervent in this problem. The Uplift company has lengthy history of violations and bad reviews by similarly victimized customers. Review the XXXX Website and online platform, to better understand teh magnitude of their violations. This Lender must be investigated and audited.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I have tried to save my home and yet U.S. Bank refuse. I initially believed the lender refuse to correct an internal failure during a corporate transfer when it took my mortgage payment, unapplied it, then initiated foreclosure against me for the internal mistake. ( see proof of claim 2.1 page 4, " unapplied balance '' column o. See also pgs. 4-12 ) But after U.S. Bank added my known abuser 's name to the foreclosure complain then proceeded to obtain a judgment for foreclosure and a sale date during the pandemic and my bankruptcy automatic stay. I asked the know abuser why U.S. Bank initiated the foreclosure, refuse modification and added his name to the foreclosure complaint? The abuser stated the foreclosure was initiated because there is a plan to XXXX me and give him my home. U.S. Bank have yet to explain why the abusers name was been added to the foreclosure complaint. U.S. Bank filed a false proof of claim that was initially disallowed. 
I filed another XXXX  XXXX bankruptcy on XX/XX/2023, but U.S. Bank refuse modification mediation and the terms in the proof of claim appear to be reverse redlining. ( see proof of claim number 2.1 pt2 page 7 ) Will I actually lose my home due to these predatory lending practices?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: CA

Complaint narrative:
I know my rights as a consumer and Transunion has failed to comply with FCRA laws.

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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Remove this from my credit report at the earliest opportunity!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Take a look at the attached documents. I request the bureau to commence an investigation into these accounts, as they inaccurately indicate late payments when I have a history of timely payments.

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 2023-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Refer to the attached documents. I request an investigation into these accounts, as they incorrectly reflect late payments when I have always been on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 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: MI

Complaint narrative:
these information on my credit report does not belong to me, i have been a victim of identity theft.

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 2023-12-15 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: FL

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

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 2023-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: AK

Complaint narrative:
Nelnet originally claimed I was taken out of IDR proc admin forbearance on XX/XX/2023. See attachment. This was not true, so I made a complaint, and now they're claiming I was taken out of IDR proc admin forbearance on XX/XX/2023. This is not true, as seen in my attachment. I was out of IDR proc admin forbearance and in repayment status for what appears to be a single day - XX/XX/2023. See the attachment dated XX/XX/2023. Today, XX/XX/2023, Nelnet placed me back in IDR proc admin forbearance without consent and despite repeated earlier requests to be taken out. See attachment. Nelnet 's fraudulent behavior has cost me over {$1000.00} in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: OH

Complaint narrative:
XXXX XXXX has violated multiple USC 's : 15 USC 6802-6805 : Obligations with respect to disclosures of personal information. I was never given the opportunity to opt out of reporting my information.

15 USC 1681 Permissible purposes of the consumer report. I have not given written instructions to produce a report on my behalf.

15 USC 6801 Protection of Nonpublic Personal Information. My personal information being furnished has caused me emotional damages and defamation of character.

CFR 313.4 Initial privacy notice to consumers required CFR 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.

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 2023-12-15 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: OH

Complaint narrative:
XXXX XXXX has violated multiple USC 's : 15 USC 6802-6805 : Obligations with respect to disclosures of personal information. I was never given the opportunity to opt out of reporting my information.

15 USC 1681 Permissible purposes of the consumer report. I have not given written instructions to produce a report on my behalf.

15 USC 6801 Protection of Nonpublic Personal Information. My personal information being furnished has caused me emotional damages and defamation of character.

CFR 313.4 Initial privacy notice to consumers required CFR 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15 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: OH

Complaint narrative:
XXXX XXXX has violated multiple USC 's : 15 USC 6802-6805 : Obligations with respect to disclosures of personal information. I was never given the opportunity to opt out of reporting my information.

15 USC 1681 Permissible purposes of the consumer report. I have not given written instructions to produce a report on my behalf.

15 USC 6801 Protection of Nonpublic Personal Information. My personal information being furnished has caused me emotional damages and defamation of character.

CFR 313.4 Initial privacy notice to consumers required CFR 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.

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