vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-30 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 am a victim of human trafficking and have submitted documents under the debt bondage law, pursuant to Section 605C of the Fair Credit Reporting Act, to have adverse items related to trafficking removed. Under Section 1022.142 ( B ) ( 6 ) ( I ) : Expansion of trafficking documentation ; a request was made for the approval of the expansion of documentation required to prove victimization. This request was approved and went into effect on XX/XX/year>. The types of documents that can be considered a VDD can be court order documents for vacatures, expungements, or record sealings where the underlying crime was related to the trafficking victimization. I was forced into prostitution and trafficked ; and later the criminal case was expunged ( destroyed ). I provided the court documents ( no pages missing ) for the expungement and crime, yet the credit reporting agency has given me pushback. Their tactics to stall and deny trafficked survivors need to be stopped. They are attempting to use the 25-day review to unnecessarily cause victims additional harm. I have provided a copy of sensitive court documents that are being passed around an office, only to be denied. They have given me a hard-time in an already very difficult situation. Section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or XXXX trafficking if the consumer has provided trafficking documentation to the consumer reporting agency. I have provided court documents and satisfied the requirement, yet adverse items continue to remain on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of human trafficking and have submitted documents under the debt bondage law, pursuant to Section 605C of the Fair Credit Reporting Act, to have adverse items related to trafficking removed. Under Section 1022.142 ( B ) ( 6 ) ( I ) : Expansion of trafficking documentation ; a request was made for the approval of the expansion of documentation required to prove victimization. This request was approved and went into effect on XX/XX/year>. The types of documents that can be considered a VDD can be court order documents for vacatures, expungements, or record sealings where the underlying crime was related to the trafficking victimization. I was forced into prostitution and trafficked ; and later the criminal case was expunged ( destroyed ). I provided the court documents ( no pages missing ) for the expungement and crime, yet the credit reporting agency has given me pushback. Their tactics to stall and deny trafficked survivors need to be stopped. They are attempting to use the 25-day review to unnecessarily cause victims additional harm. I have provided a copy of sensitive court documents that are being passed around an office, only to be denied. They have given me a hard-time in an already very difficult situation. Section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or XXXX trafficking if the consumer has provided trafficking documentation to the consumer reporting agency. I have provided court documents and satisfied the requirement, yet adverse items continue to remain on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. 

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.

From your end. I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ). 

According to 15 USC 1602 ( p ). The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit.

I hereby request you to do the below-mentioned things ; DELETE THESE THINGS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( 4 ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX CAPITAL ONE AND ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME If you accept my request, l will not escalate this matter to Federal Court. In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. 

Thank you for your attention to this matter. 

Sincerely XXXX ; XXXX XXXX All Rights Reserved Without Prejudice

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: GOLDMAN SACHS BANK USA
State: IN

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. 

From your end. I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ). The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit. 

I hereby request you to do the below-mentioned things ; DELETE THESE THINGS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX AND ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME If you accept my request, l will not escalate this matter to Federal Court. In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. 

Thank you for your attention to this matter. 

Sincerely XXXX ; XXXX XXXX All Rights Reserved Without Prejudice

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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:
Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon 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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: NJ

Complaint narrative:
As per my letter, I have already verified all the information in their file TWICE. There are a couple of minor issues which have been addressed. 

Nonetheless no bank can verify me through LexisNexis. LexisNexis doesn't investigate what is causing this secondary problem. It apparently it something to do with my cell number which I have had for over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: TN

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Mail and hurrasing phone calls. Pursuit to 18 USC 8, I owe no debt. This company is Violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my information pursuant to 15USC 1681 4

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I opened up XXXX credits with this company in XXXX and XXXX respectively to rebuild my credit so that I can make a vehicle purchases, get loans for things needed and a home. In the last XXXX years, I have endured multiple losses of employment along with losing my car and being evicted from my home. I am currently homeless living on the streets, squatting in vacant houses, lots, public spaces, motels with a voucher and shelters upon availability. I have no family or anyone to support me due to personal reasons and circumstances. I am immensely destitute along with not having unemployment benefits or any other income resources. I have applied for multiple job positions and have gotten turned down. In addition, due to this situation of having late payments on my credit reports especially from XXXX XXXX, I am unable to get the steady employment needed to avoid filing bankruptcy again, continued homelessness and not having a vehicle to get around in. I do not have money to move to another state or money to further my education, etc. I am asking them to grant this request without any assistance excuses or lies. They are multimillionaires living the life and they can afford to grant my request along with any amount of late payments waived along with removing the late payments off my credit reports. I have filed multiple complaints against them and they continue to deny or comply with any of my requests. I have spoken nicely with them but they only seem to understand anger and frustration.

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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I opened up XXXX credits with this company in XXXX and XXXX respectively to rebuild my credit so that I can make a vehicle purchases, get loans for things needed and a home. In the last XXXX years, I have endured multiple losses of employment along with losing my car and being evicted from my home. I am currently homeless living on the streets, squatting in vacant houses, lots, public spaces, motels with a voucher and shelters upon availability. I have no family or anyone to support me due to personal reasons and circumstances. I am immensely destitute along with not having unemployment benefits or any other income resources. I have applied for multiple job positions and have gotten turned down. In addition, due to this situation of having late payments on my credit reports especially from XXXX XXXX, I am unable to get the steady employment needed to avoid filing bankruptcy again, continued homelessness and not having a vehicle to get around in. I do not have money to move to another state or money to further my education, etc. I am asking them to grant this request without any assistance excuses or lies. They are multimillionaires living the life and they can afford to grant my request along with any amount of late payments waived along with removing the late payments off my credit reports. I have filed multiple complaints against them and they continue to deny or comply with any of my requests. I have spoken nicely with them but they only seem to understand anger and frustration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I opened up XXXX credits with this company in XXXX and XXXX respectively to rebuild my credit so that I can make a vehicle purchases, get loans for things needed and a home. In the last XXXX years, I have endured multiple losses of employment along with losing my car and being evicted from my home. I am currently homeless living on the streets, squatting in vacant houses, lots, public spaces, motels with a voucher and shelters upon availability. I have no family or anyone to support me due to personal reasons and circumstances. I am immensely destitute along with not having unemployment benefits or any other income resources. I have applied for multiple job positions and have gotten turned down. In addition, due to this situation of having late payments on my credit reports especially from XXXX XXXX, I am unable to get the steady employment needed to avoid filing bankruptcy again, continued homelessness and not having a vehicle to get around in. I do not have money to move to another state or money to further my education, etc. I am asking them to grant this request without any assistance excuses or lies. They are multimillionaires living the life and they can afford to grant my request along with any amount of late payments waived along with removing the late payments off my credit reports. I have filed multiple complaints against them and they continue to deny or comply with any of my requests. I have spoken nicely with them but they only seem to understand anger and frustration.

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 2024-05-30 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: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.

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 2024-05-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Problems receiving the advance — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I extended chase a line of my credit I'm a credit worth applicant they asked me for a down payment under 15 U.C.S 1605 were money can't be exchanged in a consumer credit transaction I was denied under 15 U.S.C 1611 false and misleading denial of my credit FCR 604 AND 15 U.S.C 1681 ( b ) that's a factory but not a deciding factor I asked if they practiced in truth and lending they refused to answer they said they did not know the laws I was saying well 15 U.S.C 1611 it says willingly and knowing it they completely committed fraudulent activity as this was solely a consumer transaction this was not a retail installment transaction so money should of never been a factor in this transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: GA

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from 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 non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
From XXXX to XXXX there were fraudulent and unauthorized transactions with a merchant I had previous Authorized transactions with. The bank has denied my claim of multiple fraudulent and UNAUTHORIZED transactions with the denial reason being 'previous history with merchant '. Under Regulation E a consumer can not have a clai denied based SOLELY on the fact that the customer has a previous history with the merchant. I am appealing citizens bank 's decision as my money was stolen and I am extremely upset they are breaking the law and allowed unauthorized use of my card!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: GA

Complaint narrative:
I am a victim of XXXX XXXX. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the XXXX took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from 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 2024-05-30 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: DE

Complaint narrative:
I am writing to express my frustration and dissatisfaction with your continued failure to address and rectify the inaccuracies on my credit report. Despite my previous dispute letters and clear evidence provided, the negative items remain erroneously reported on my file. This lack of action demonstrates a significant level of incompetence and unprofessionalism on your part. 

It is particularly concerning that XXXX, another major credit reporting agency, does not report any negative items under my credit file, highlighting the discrepancies and errors in your reporting. This inconsistency not only damages my creditworthiness but also undermines the integrity of your services.

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