vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-14 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: IL

Complaint narrative:
This communication is in regards to Accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), that have been furnished to my consumer report by the Original creditors, respectfully. These alleged debts are showing on my consumer reports as collections or charged off but there hasn't been any 1099c sent to me for these alleged debts, if its charged off, per the IRS regulations. That is tax fraud and identity theft. Under law this income should have been reported on a 1099c and I have not received it in the mail. You are liable to pay a penalty if that has not been sent. These alleged debts should not be reporting to any consumer reporting agencies, as these alleged debts, after being charged off, are considered to be INCOME to the consumer, and therefore have no place on a consumer report. I have disputed directly with the consumer reporting agencies, but the have not been of any service. Its nearly impossible to speak with a live agent when you call them. In addition, the furnishing of these accounts is a direct violation of several federal regulations, including the FCRA, REGULATION P, The Privacy Act of 1974, as I, the consumer, have not given any entity the express written consent to furnish any of my nonpublic personal information. I am now exercising my consumer right to OPT OUT. Please remove these accounts IMMEDIATELY as they are causing my family and I great harm and distress.

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX/2024 - Transunion Credit Score - XXXX Delinquent Credit - *Repossession/Foreclosure This is false information. I have never had a foreclosure.

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 2024-02-14 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: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : 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 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 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 2024-02-14 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: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : 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 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 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 explanation
Consumer complaint received 2024-02-14 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: ARS National Services, Inc.
State: MI

Complaint narrative:
I SENT A LETTER TO THE CREDITOR IN THE FILE ATTACHED. I HAVE NOT RECEIVED ANY WRITTEN RESPONSE. INCORRECT REPORTING HAS MADE ME UNABLE TO COMPETE IN THE FINANCIAL WORLD. I HAVE SUFFERED MENTAL ANGUISH AND FRUSTRATION. I HAVE NOT BEEN ABLE TO AQUIRE EQUIPMENT AND SUPPLIES THAT I NEED FOR MY PROFESSION. I BELIEVE I AM DUE {$5000.00} PER INCIDENT. REFERENCE FAIR CREDIT REPORTING ACT 15 USC 1861 PAGE 10.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: NH

Complaint narrative:
The privacy ACT of 1974 covers this complaint. 
credit card and all the secondary reporting agency 's XXXX XXXX equifax checks systems ; are reporting false and inaccurate PUBLIC & PRIVATE information including removal of checks and inquires. and knowing it is unlawful to REPORT ANY TRANSACTION ON A CONSUMER FILE.15 1681-.16cfr433.1.2 also committing language fraud 17cfr 424 all these violations are also prohibited under the ( FTC act ) 15usc45 prohibits 'unfair deceptive acts and practices affecting banking commerce & consumers in the normal course of commerce.also maybe i need to mention and remind the CRA 's CREIDIT CARD COMPANYS & BANKS ABOUT ( 5 u.s.c 522.a ) which refers and states the facts of ANY RECORDS MANTAINED ON ANY INDIVIDUALS.I am not even gunna begin to dive or discuses all the security fraud that has been committed in my name in this report there wouldn't be enough space to do so. but don't think its not going to happen in the very near future.so herein this report there is XXXX or more charge offs and XXXX hard check removal 's that have been removed from XXXX and not others there needs to be few more hard checks removed as well from all CRAs. so all the charge offs and removals of hard checks and all derogatory comments need to addressed immediately!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: NH

Complaint narrative:
The privacy ACT of 1974 covers this complaint. 
credit card and all the secondary reporting agency 's XXXX, experian, XXXX checks systems ; are reporting false and inaccurate PUBLIC & PRIVATE information including removal of checks and inquires. and knowing it is unlawful to REPORT ANY TRANSACTION ON A CONSUMER FILE.15 1681-.16cfr433.1.2 also committing language fraud 17cfr 424 all these violations are also prohibited under the ( FTC act ) 15usc45 prohibits 'unfair deceptive acts and practices affecting banking commerce & consumers in the normal course of commerce.also maybe i need to mention and remind the CRA 's CREIDIT CARD COMPANYS & BANKS ABOUT ( 5 u.s.c 522.a ) which refers and states the facts of ANY RECORDS MANTAINED ON ANY INDIVIDUALS.I am not even gunna begin to dive or discuses all the security fraud that has been committed in my name in this report there wouldn't be enough space to do so. but don't think its not going to happen in the very near future.so herein this report there is XXXX or more charge offs and XXXX hard check removal 's that have been removed from XXXX and not others there needs to be few more hard checks removed as well from all CRAs. so all the charge offs and removals of hard checks and all derogatory comments need to addressed 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 explanation
Consumer complaint received 2024-02-14 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: MI

Complaint narrative:
Company, Transunion has continued in their efforts to violate my rights of privacy under the privacy Act of 1974. Company was provided with a CFPB complaint on XX/XX/XXXX, complaint number ; XXXX, regarding an account with " XXXX XXXX ''. Advising Transunion that they are violating my rights of my privacy without emailing or mailing a disclosure violating my rights under 15 U.S code 6802B, for the company of the investigation where they have collected information from. It is law that No individual can procure or influence the preparation of an investigative consumer report on any consumer unless [ B. ] such disclosure is made in a writing mailed or otherwise delivered, to the consumer. This disclosure should not be done later than three days after the date on which the report was first requested and includes a statement informing the consumer of his right to request the additional disclosures and the written summary of the rights of the consumer prepared .The company, Transunion has not provided me any written or emailed disclosure within the 12 months that they are suppose to provide to a consumer in order to report such information. Transunion is in violation of 15 U.S code 1681 as they have not reported the accuracy of the Account " XXXX XXXX '' to be reported to my consumer report. Transunion has responded on XXXX XXXX, regarding another dispute of this account submitted on XXXX. Based upon Transunion investigation, they have verified the accuracy of the account. Transunion is not providing truth. Transunion has not verified the accuracy of this account as this is a " Charge OFF '' account, According to IRS Publication a charge off account is a " Certificate of Indebtedness '', which means it is income and income can not be reported to a consumer report. Eye am requesting compensation for the above account being inaccurately reported to my report in transunion efforts to not remove this account from my consumer report. Transunion has violated FCRA guidelines on what shall be reported to a consumer report. It is being recorded that Transunion has not established a code of fair information practices that governs the collection, maintenance, use and dissemination of information being maintained within their systems of records, under my privacy rights ( 5 U.S code 552a ). Eye am requesting damages and compensation and that this account be removed effective 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 2024-02-14 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: Shellpoint Partners, LLC
State: MI

Complaint narrative:
I SENT A LETTER TO THE CREDITOR IN THE FILE ATTACHED. I HAVE NOT RECEIVED ANY WRITTEN RESPONSE. INCORRECT REPORTING HAS MADE ME UNABLE TO COMPETE IN THE FINANCIAL WORLD. I HAVE SUFFERED XXXX  XXXX  AND FRUSTRATION. I HAVE NOT BEEN ABLE TO AQUIRE EQUIPMENT AND SUPPLIES THAT I NEED FOR MY PROFESSION. I BELIEVE I AM DUE {$5000.00} PER INCIDENT. REFERENCE FAIR CREDIT REPORTING ACT 15 USC 1861 PAGE 10.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
Venmo has frozen my account for the second time. I can't access my funds. It's a waiting and hoping game that someone will actually contact you and help you. They'll request documents and information over and over and no resolution. XXXX business days is too long to wait for someone to contact you. ONLY through email?! 
I didn't violate any policy, all of it is my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: RI

Complaint narrative:
Dear Sir/Madan, After checking my credit report from your organization, i discovered inaccuracies that needs to be addressed immediately to ensure the accuracy of my report, pursuant to 15 USC 1681e ( b ) Account : XXXX XXXX XXXX XXXX XXXX Collection Acct : XXXX XXXX XXXX  Original Creditor : XXXX XXXX Account : XXXX Amount : {$970.00} This debt collector engaged in abusive, misleading, and unfair FDCPA activities, which are prohibited. They provided this account, which we did not agree on and I did not sign. A legal contract is signed by two parties, and I was not involved in any of it. Furthermore, they failed to follow the necessary five-step validation procedure, making their acts unfair According to the FDCPA, I am entitled to {$1000.00} each infraction, and they blatantly violated my rights. I demand that this corporation remove this account from all three credit reporting agencies and reimburse me for the infractions, or I will have no alternative but to forward this to my legal attorney. 

Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I found 2 charges totaling {$480.00} on XX/XX/year> for a hotel in XXXX through an online booking site called XXXX I immediately disputed this charge and requested a new credit card. These charges are absolutely not mine. I've never used that site and definitely didn't book a hotel those days. I can prove I was busy at work. BofA gave me credit for the charges and did their investigation. A month later they put the charges back on my card saying it was not fraud. All they showed was some documentation showing a check in at a hotel with no proof of ID showing, no signature and nothing else to show it was me. I immediately changed my passwords on everything I had and checked my credit report because someone obviously got my card info and address. I don't know if it was a website being hacked or what, but I know it is common and I've never even filed a fraud claim before so I don't know why they would keep insisting it was me. I've had this account for almost 8 years and consistently use it for everything and pay it off in full each month. I have filed 3 requests for review with bank of america and they continue to push that it was a legit charge

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 2024-02-14 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:
From XXXX until today XX/XX/XXXX and I've called and written by mail and requested all contracts with wet ink signatures between XXXX XXXX XXXX XXXX XXXX and all account statement for the alleged account that I have with XXXX XXXX. They've failed to produce and now have went so far as to harass me via a debt collection attorney who has my nonpublic information without my permission or consent. XXXXXXXX XXXX XXXX XXXX XXXX XXXX has opened up a court case in XXXX XXXX court that I do not live in and are tarnishing my name and character via the courts system. They had an address on file in XXXX XXXX XXXX and I never personally gave them this address stating that it was my own. XXXX XXXX sends me mail that says XXXX XXXX XXXX and I do not have any contracts with them either. This has caused mental and emotional pain to my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 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: GA

Complaint narrative:
From XXXX until today XX/XX/XXXX and I've called and written by mail and requested all contracts with wet ink signatures between XXXX XXXX XXXX XXXX XXXX  and all account statement for the alleged account that I have with XXXX XXXX They've failed to produce and now have went so far as to harass me via a debt collection attorney who has my nonpublic information without my permission or consent. XXXX XXXX XXXX XXXX XXXX XXXX has opened up a court case in XXXX XXXX court that I do not live in and are tarnishing my name and character via the courts system. They had an address on file in XXXX XXXX XXXX and I never personally gave them this address stating that it was my own. XXXX XXXX sends me mail that says XXXX XXXX XXXX and I do not have any contracts with them either. This has caused mental and emotional pain to my life.

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 2024-02-14 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:
I am writing to you because I have noticed that the credit bureaus do not want to do their job, which is to report the accounts correctly. While researching the bureaus ' website I noticed that you, the CFPB, are the ones who regulate it and make sure that they do their job. So what I need now is for you to give me a solution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 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: Aldous & Associates, PLLC
State: GA

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX 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 XXXX 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 XXXX : Information ReferraXXXX AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: SC

Complaint narrative:
Sunrise Credit Services harrasing me about a Debt thats not my Debt, I've never done any Business with Sunrise Credit Services, please delete from all my credit breuras

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 2024-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have a Citi XXXX XXXX ( seldom used ), a Citi XXXX XXXX XXXX and a Citi XXXX savings account. In XXXX, i booked a {$5300.00} XXXX tour paid on the XXXX. A month later, the tour was canceled and the agency issued a refund resulting in a {$5300.00} credit. 

On XX/XX/XXXX, I phoned Citi and spoke with an agent who said they would process the refund to my Citi savings account in 7-10 days. 

On XX/XX/XXXX, I phoned to inquire why the refund hadn't been processed, and was told I'd see it by the next day. 

On XX/XX/XXXX, I phoned to ask again, this time speaking with a supervisor who stated that approval had taken 12 days, but the process would be completed in 2 days. 

On XX/XX/XXXX, 5 days later, I agains poke with a supervisor who claimed he had sent an expedited request to the appropriate department and he would call me in 48 hours to ensure I saw the completed transaction. He never called, and the process wasn't completed. 

On XX/XX/XXXX, I called a fifth time. This time the agent said the return had been processed 3 hours earlier, but to a non Citi account I owned. That was true, finally.

Summary : 1. 27 days to expedite a fund transfer 2. Repeatedly told : a. Agent/supervisor was not empowered to act on my behalf b. There was no one higher up in the organization that would speak with me 3. Promised a " date certain '' 5 times, only the last was true 4 Twelve days to approve movement of {$5300.00} of my money intra-bank, no external obligations No response to-date to a complaint letter sent to them. 

Closing all Citi accounts shortly.

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