vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-04 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: ID

Complaint narrative:
I am deeply disappointed and angered by the violation of my consumer rights through the dissemination of inaccurate information. Fair treatment and adherence to the FCRA and Metro 2 standards are expected. Provide a verified document with evidence for each claim to preserve data integrity. The credit report I received is alarming, as it fails to meet accuracy standards. Uncertainty surrounds the reporting process and proper formatting, casting doubt on the credibility of the claims. Controversial claims lack independent verification, raising further concerns.

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 2024-04-04 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: FL

Complaint narrative:
After reviewing my credit report, I noticed some inaccurate accounts on my credit report. I formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation, and you continued to report a disputed debt to the Credit Bureaus, another FCRA violation. Not only have you ignored my prior requests for validation of debt, but you continue to report this debt to the credit bureaus causing damage to my character. The accounts are listed below, and I also attached documents on the behalf of this complaint. 

Account : XXXX  XXXX XX/XX/year> Account : XXXX XXXX XX/XX/year> Account : XXXX XXXX XXXX XX/XX/year>

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 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have expressed in written as well as verbal form that Wells Fargo is in violation of my consumer rights. 
A letter was emailed as well as mailed in to Wells Fargo expressing the violations of my consumer rights and that I did not give them any written nor verbal consent to share my information with anyone. 
However Wells Fargo is ignoring federal laws and regulations and still sharing my information that is causing me signicant financial loss. 
As of XX/XX/year> Wells Fargo NA is showing that I am 150 days late on my credit report.

In accordance to the fair credit reporting act Wells Fargo has violated my rights in accordance to 15 USC 1681 Section 602 states I the consumer have the right to privacy.

15 USC 1681 section 604 A section 2 Also states that a consumer agency can not reporting agency can not furnish a account without my written instructtions.

15 USC 1666b A creditor may not treat a payment on a credit crd account under an open end consumer credit plan as late for any purposes. 


I have made several complaints about this matter and yet nothing has been done

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 2024-04-04 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: NJ

Complaint narrative:
My name is XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXX XXXX. I demand the removal of these hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: NJ

Complaint narrative:
My name is XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: MA

Complaint narrative:
The finance company Acima who I had a 90 days same as cash agreement with, the sales person said it will begin after I received the furniture. The cost was {$1800.00} I have paid over XXXX and they are saying I owe XXXX if I want to pay it off today, more than original cost, seems like 100 % fees and no credit for what I have paid so far. I was intending to pay off {$800.00} balance last month. This is predatory lending!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
XX/XX/24 : Opened new Ally bank savings account XX/XX/24 : Received notice to make first deposit into Ally savings by XXXX XX/XX/24 : Received notice to make first deposit into Ally savings by XXXX XX/XX/24 : I Requested transfer of {$10000.00} from XXXX XXXX XXXX savings to Ally bank savings. Received an email that confirmed XXXX XXXX XXXXXXXX Withdraw On : XX/XX/24 and Ally Deliver On : XX/XX/24 XX/XX/24 : Funds were withdrawn from XXXX XXXX XXXX savings. XXXX XXXX XXXX Saving statement confirms XX/XX/24 : Received notification that {$10000.00} was received by Ally and transfer was complete XX/XX/24 : Received first notice that the transfer of {$10000.00} was incomplete XX/XX/24 : Made first call to Ally Bank but did not talk to someone until XX/XX/24 Since XX/XX/24, there have been many calls with no support of this situation and no explanation of when I will receive my funds. I am semi-retired with XXXX 's and for XXXX thing I do not need the stress this creates and I also need the funds.

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 2024-04-04 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: CA

Complaint narrative:
Back in XXXX of XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

And one more thing according to 15 USC 1681s-2 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. 

This account reported on XXXX : XXXXXXXX XXXX XXXX XXXX  Account XXXX {$17000.00} Date of OPEN in XX/XX/XXXX Date of Last Activity XX/XX/XXXX This account reported on TRANSUINION : XXXX XXXX XXXX XXXX XXXX {$17000.00} Date of OPEN XX/XX/XXXX Date Of Last Activity XX/XX/XXXX This is being reported inaccurately on with different dates and illegal renewing of the dates of this account. 

Inquiries I did not authorized have been pulled without my consent! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX This account was reported and disputed back in XX/XX/XXXX when the bureaus said is was accurate. 

This acount has been illegally reaged and not accurate in it's reporting. 
XXXX and TRANSUNION did not investigate to show accuracy and protect my rights as a consumer! 

I have attached the credit reports showing blatant fraud and violations of my consumer rights to privacy and fair and accurate reporting. 

Delete this account and inquiries, or I will sue for blatant fraud and blatant violations of my rights.

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 2024-04-04 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: GA

Complaint narrative:
I did not authorize these inquiries. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: IL

Complaint narrative:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

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 2024-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: LAKE MICHIGAN CREDIT UNION
State: MI

Complaint narrative:
I have XXXX issues I would like researched and resolved. 

XXXX. I don't believe I was disclosed to according to the current laws. I never got an Loan Estimate until months after starting the process with Lake Michigan Credit Union and the property taxes they estimated have ended up being far less than the actual, putting me in a touch position financially. 

XXXX. I don't believe the appraisal was accurate. I never got a list of Appraisers they use and this guy came to me through the Realtor. In order to get the deal to close with the cash I had available, I believe the appraiser colluded with the Builder and Realtor on the value. My house was over appraised by {$100000.00} or more.

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 2024-04-04 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: MS

Complaint narrative:
I contacted XXXX and TransUnion about incorrect personal information on my credit report. They have failed to address the problem or update the information.

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 2024-04-04 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: WV

Complaint narrative:
The listed repossession was not authorized by me.

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 2024-04-04 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: CA

Complaint narrative:
XXXX AND TRANS UNION CREDIT AGENCIES is displaying an account from XXXX XXXX on my credit report. However, this account and balance do not belong to me. I have already sent a letter from XXXX XXXX requesting that the account be deleted, but XXXX has not yet corrected my credit report. XXXX XXXX has also sent a letter but my credit file has not been corrected yet. 
I HAVE ATTACHED AGAIN THE LETTER DIRECTLY FROM XXXX ADVISING THEY HAE SENT LETTER FOR REMOVAL AFTER RESEARCH

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 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.

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 2024-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
My Cash App was closed with without warning or an explanation. I tried to reopen the account and received a message that read " this happened because we found activity on your account that goes against our Terms of Service. '' I used the Cash App to transfer money between my mother and my daughter online and never any suspicious or illegal activity. Please tell me what I need to do to get this App back up and running. 

There was a statement on the internet ; " to reopen your closed Cash App account, you can contact their customer service at XXXX ( XXXX ) XXXX. A Cash App representative will provide information on why your account was closed and guide you on reopening it '' ; however, the telephone number is not a good number and the call continues to drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I've consistently maintained a record of timely payments for this account, avoiding any instances of overdue payments. The basis for the inclusion of late payment remarks on my accounts is uncertain to me. In accordance with 15 USC 1666b - Billing Error, corrections must be made.

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 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I've consistently maintained a record of timely payments for this account, avoiding any instances of overdue payments. The basis for the inclusion of late payment remarks on my accounts is uncertain to me. In accordance with 15 USC 1666b - Billing Error, corrections must be made.

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 2024-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have been trying to obtain a mortgage with my spouse. He has not had issues, but when the Mortgage Company and XXXX XXXX XXXX we paid tried to get my Equifax credit report it is showing blank and Equifax is not reporting anything for me. 
I have spoken to my current mortgage lender and credit card lenders and they all say Equifax refuses to score or release my report. 
After XXXX different phone calls to them and being told there is NO hold, Freeze or anything wrong they see no issue, The XXXX phone call on XX/XX/24 an agent with Equifax told me they need again to verify my information every 3 months to prove my identity. I have been going rounds with this issue the last 3 years everytime I need to apply for insurance, credit of any type or life insurance they do this. I have not asked them to Freeze my credit, I have submitted my Drivers License and Social Security Card to them numerous times, I have lived in the same home for 11 years, Had the same exact XXXX jobs for the last XXXX years. My life is boring, I have not been a victim financially of anything thank XXXX. I would like to have my credit unfrozen of which they took the liberty of doing without my permission and some sort of apology for them playing games with my credit. This is unfair practicing and this is not the first time I have heard this. Their answer to me was to drive to XXXX, Ga to the walk up window with my Drivers License. I would clearly like an explanation why this is happening to me???

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: IL

Complaint narrative:
XXXX reached out to Transunion as well as XXXX XXXX on numberous occassions in reference to the fact they are reporting inaccurate information on my credit report. According to The Fair Credit Reporting Act ( FCRA ) all information should be 100 % accurate. My XXXX XXXX account state XX/XX/XXXX ( ok ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ). This is a violation of The Fair Credit Reporting Act as this information is inaccurate. Transunion and XXXX both have violated my rights stating the account has been verified as accurate as shown the the multiple reports I have received from Transunion. The Fair Credit Reporting Act requires the account to show 30 days, 60 days, 90 days and 120 days if an account is in fact late which I wasnt on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief