vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-01 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: MS

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-08-01 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: MS

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: FL

Complaint narrative:
As a victim of debt bondage, a severe form of human trafficking. I was coerced into accumulating debts, resulting in multiple derogatory marks on my credit report. I am collaborating with a representative from the XXXX XXXX XXXX, an organization dedicated to helping survivors of human trafficking. Together, we are invoking Section 605C of the Fair Credit Reporting Act ( FCRA ), which obligates credit reporting agencies to exclude adverse information resulting from trafficking once an official claim has been submitted. 

XXXXXXXX XXXX Account number # XXXX XXXX XXXX XXXX XXXX Account number # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX  XXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXXXXXX XXXX XXXX  account # XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXXXXXX account # XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS , PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, 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 XXXX XXXX IN PERSONS OR XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 | DOCKET NO. XXXX | RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!

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 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Trans union has not provided an updated credit report since XXXXXXXX XXXX XXXX. They continue to report incorrect information and sending mail requesting address verification. Ive sent XXXX address verifications certified mail and have yet to see any changes in my file. They continue to send address verifications instead of running disputes and have yet to use any dispute information Ive sent. trans union is far behind my XXXX account and has failed to fix any issue while continuing intentionally report negative information. The files attached have all been removed from XXXX as they are fraudulent yet trans union has refused to resolve the issues for the past 12 months

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 2024-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Trans union has not provided an updated credit report since XXXX XXXX XXXX. They continue to report incorrect information and sending mail requesting address verification. Ive sent XXXX address verifications certified mail and have yet to see any changes in my file. They continue to send address verifications instead of running disputes and have yet to use any dispute information Ive sent. trans union is far behind my XXXX account and has failed to fix any issue while continuing intentionally report negative information. The files attached have all been removed from XXXX as they are fraudulent yet trans union has refused to resolve the issues for the past 12 months

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 2024-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MA

Complaint narrative:
I received my XXXXXXXX XXXX  on Chime paid my car and insurance. They closed my account and kicked me out of the app. I called and they would only say I broke the rules not tell me how or send proof. After 30 days with no money they mailed me a fraudulent refund check I put it in my new account and they wouldnt let me in either. After calling everyday they still wont do anything about this. I lost my car and insurance and now Im losing my apartment as well.. I have no idea what to do I have no way to make money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year> I completed a Bill Pay for my car payment. It was my first time using bill pay. I entered in XXXX XXXX XXXX XXXX XXXX into the system. When entering the payee, Capital One pre fills the address to the payee, and I enter in my account number for my car payment account. The check was sent to the address capital one filled in. I called Capital One twice because XXXX never showed proof of payment and I was concerned. I was told by a rep the payment was rejected and sent back to Capital One due to incorrect information. I was never notified or refunded after the payment was rejected. Instead Capital One resent the payment again with the same incorrect information. I called Capital One to verify the payment information used as XXXX stated they never received my payment. I then confirmed the address Capital One sent my payment to was a payment address for XXXX XXXX XXXX not XXXX. I've reached out to XXXX several times to find my funds and the check was cashed by a third party vendor and the funds can not be located and no one will get back to me to resolve. If capital one had returned my funds when the payment was rejected and notified me the first time the payment was rejected, I would not be out of my car payment. This has affected my credit as my car payment is 30 days past due and has placed me in a financial hardship as I have recently lost my job and can not afford to make a double payment. I want my funds refunded immediately due to their error and negligence for resending funds when they were alerted the information contained on the bill payment was incorrect. Please see the attached email with XXXX confirming Capital One sent my payment to the wrong bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Following 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. I did not authorize them and they do not have a Permissible Purpose on my behalf.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an 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 ) ( a ) 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. 

The accounts below have violated my rights. Please delete the accounts below : - Creditor name : XXXX XXXX. Date : XX/XX/2023. 
- Creditor name : XXXX XXXX. Date : XX/XX/2023. 
- Creditor name : XXXX. Date : XX/XX/2023. 
- Creditor name : XXXX XXXX XXXX Date : XX/XX/2023.

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 2024-08-01 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-01 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: MOHELA
State: GA

Complaint narrative:
I filed a dispute with mohela, Requesting a Cancellation/ discharge of student loans from 2 of the colleges I attended which are currently closed now. 
XXXX XXXX XXXX XXXX. 
I also have schools attended that has been over twenty years ago. I am also asking for a cancellation/ discharge of those loans as well. My request was not met by Mohela. Also My annual income is under XXXX XXXX Which also may qualify me for a discharge. I recently applied for the PSLF through Mohela do to working in the hospital. I have not received a response yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: FL

Complaint narrative:
Following 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. I did not authorize them and they do not have a Permissible Purpose on my behalf.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an 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 ) ( a ) 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. 

The accounts below have violated my rights. Please delete the accounts below : - Creditor name : XXXX XXXX. Date : XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: PA

Complaint narrative:
My credit report is showing a charged off account from XXXX XXXX. According to the FCRA I was suppose to receive a 1099c form which I never received so I am requesting that form. This account should not be being reported as a negative item to the credit reporting agencies, not only are they possibly committing tax fraud but they are also violating FCRA 15 USC 1681eb for reporting information that is not XXXX XXXX accurate. This account needs to be removed immediately.

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 2024-08-01 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: PA

Complaint narrative:
My credit report is showing a charged off account from XXXX XXXX According to the FCRA I was suppose to receive a 1099c form which I never received so I am requesting that form. This account should not be being reported as a negative item to the credit reporting agencies, not only are they possibly committing tax fraud but they are also violating FCRA 15 USC 1681eb for reporting information that is not 100 % accurate. This account needs to be removed immediately.

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 2024-08-01 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: AZ

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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 2024-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Ref # XXXX Account was reopened and then blocked again.

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 2024-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
Ive approached Huntington Bank Located in XXXX Illinois over XXXX times by going inside the branch and called numerous of times more then XXXX sadly .... Huntington bank is holding my funds and will not release my hard earned money. This is illegal seeing HOW NO OVERDRAFT BALANCE IS THERE. Huntington has No right or legality to keep my money when none is owed to them and The balance can be payed down. I had 5 accounts with Huntington, The accounts have a positive balance from DIRECT DEPOSIT FROM MY JOB this proven direct deposit always comes to this bank and the rest of the money in all XXXX accounts belongs to me also I AM THE OWNER. I need to be able to walk into Huntington Today and withdraw my money. XXXX I would like you to EXCLAMATORY push to Show the laws of the people to Huntington immediately enforcing them to release all funds to me if none owed and Id like you to push the notice that IF NOT I WILL SUE AS FAR AS LEGAL LAW ALLOWS. Please help me get Huntington Bank to release all funds positive to its owners

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-01 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
I had a account with XXXX  for internet service. 
I cancelled my service on XX/XX/XXXX. 

The final bill I received from XXXX  was for {$46.00} and the service date was ( XX/XX/XXXX through XX/XX/XXXX ) I only used the internet from XX/XX/XXXX through XX/XX/XXXX I tried contacting someone from XXXX  to close my account and pay for the ( XXXX ) weeks that I used the service. I could not get anyone on the phone. 

Now, I keep receiving phone calls from Sunrise everyday. I've told the representatives at Sunrise my situation and repeated I will only pay for the part I used.

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 2024-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.

Complaint narrative:
XX/XX/year>, my boyfriend send {$150.00}. But the remitly canceled the transaction. I don't know why and this is the first time that happened. I was contacted their customer support regarding the issue but they keep telling me to contact the sender and then the sender contacted them they said they can not help because every time he send it was the system because their specialized team detected a suspicious. And I asked the customer service about that if they block me they said no. And because of them my boyfriend angry with me. Because of them!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: MS

Complaint narrative:
I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account is reporting 100 % accurately if you can not provide me with this information in 15 days delete this account from my credit report and send me a copy of my updated credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 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: MS

Complaint narrative:
I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account is reporting 100 % accurately if you can not provide me with this information in XXXX  days delete this account from my credit report and send me a copy of my updated 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 2024-08-01 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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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