vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-30 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: FL

Complaint narrative:
I am writing to formally dispute the inaccurate and fraudulent information being reported on my credit file. As per FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting the immediate removal of the following information that has resulted from identity theft : Account : [ XXXX XXXX Account Number : XXXX ] Inquiries : [ XXXX XX/XX/XXXX ] [ XXXX XXXX XXXXXX/XX/XXXX ] Relevant Provisions of FCRA 605B Under the FCRA, a consumer reporting agency must block the reporting of any information in the file of a consumer that the consumer identifies as resulting from identity theft. Specifically : 1. Timely Action Required : According to FCRA 605B ( a ), TransUnion must block the disputed information no later than four business days after receiving the following : Proof of my identity.

A copy of my identity theft report.

Identification of the fraudulent information.

A statement from me asserting that the information is not the result of any transaction I authorized.

2. Notification Obligation : As required by FCRA 605B ( b ), TransUnion must promptly notify the furnishers of the information about the identity theft claim, the requested block, and the effective dates of the block.

3. Limits on Declining or Rescinding the Block : TransUnion may only decline or rescind a block under very specific circumstances, as outlined in FCRA 605B ( c ). Any decision to decline or rescind a block must be accompanied by prompt notification to me, including an explanation as required by FCRA 1681i ( a ) ( 5 ) ( B ).

Action Requested I demand the following actions : 1. Immediate removal of the fraudulent account and inquiries identified above.

2. Notification to all furnishers of the fraudulent nature of the account and inquiries.

3. Written confirmation within 30 days that the disputed information has been removed or blocked, as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-11-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with 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.

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 ) ( 1 ) 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.

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 2024-11-30 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: UT

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-11-30 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: EQUIFAX, INC.
State: AL

Complaint narrative:
in XXXX XXXX XXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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: AL

Complaint narrative:
in XXXX XXXX XXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items.

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 2024-11-30 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: MS

Complaint narrative:
I am writing to formally lodge a complaint against XXXX, TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX , regarding an account that has been reported on my credit file. Recently, I reviewed my credit report and found accounts with XXXX XXXX XXXX XXXX XXXX that I do not recognize.

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 2024-11-30 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I am writing to formally lodge a complaint against XXXX, XXXX, Equifax, XXXX XXXX XXXX XXXX XXXX , regarding an account that has been reported on my credit file. Recently, I reviewed my credit report and found accounts with XXXX XXXX XXXX XXXX XXXX that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
To whom it may concern, I am writing to file a complaint regarding the APR on my credit card, which at one point exceeded the range of the offered APR. While I understand that the APR is variable and tied to changes in the federal funds rate, I am concerned because my credit score is currently above XXXX, I have never missed a payment, did not carry a balance on the card for many months, and have payed off in full when utilized.

Initially, my APR was around 23 %, which was at the lower end of the offered range. However, it recently increased to the maximum APR, and at one point, it even exceeded the highest offered APR. This makes me believe I may have been incorrectly penalized at some point.

Unfortunately, when I reached out to Chase, I was told that no resolution was available and that there was no additional information I could receive. I was instead provided with the corporate offices mailing address.

I would appreciate it if this matter could be thoroughly investigated and resolved, as I believe I have been unfairly assigned an APR that exceeds the offered range for someone with my credit profile. Ultimately, what I am concerned about is the lack of oversight in calculating customers creditworthiness and the predatory nature of misinformation being provided by Chase.

Thank you for your attention to this matter. Updates on how this is being handled would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Credit Karma, LLC
State: CA

Complaint narrative:
My account is frozen and i have XXXX dollars in it. I have called 12 times and keep being told they will email me. I havent received a email and i am out of money until this is fixed. They told me to speak to the resolution team. I spoke with them and they said they cant provide any information. I need my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-30 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: MN

Complaint narrative:
I appreciate your prompt attention to this matter and request a written response with the results of your investigation within 30 days, as outlined by the FCRA. If any item is not removed, please provide the name and contact information of the entity that confirmed its accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: HI

Complaint narrative:
In accordance with 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.

Account Name : DPEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 ) ( 1 ) 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.

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 2024-11-30 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
In accordance with 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. 

Account Name : DPEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 ) ( 1 ) 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.

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 2024-11-30 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: GA

Complaint narrative:
In accordance with 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.

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 ) ( 1 ) 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.

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 2024-11-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with 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.

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 ) ( 1 ) 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.

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 2024-11-30 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 the XXXX data breach, and my personal information has been compromised. Several accounts were fraudulently opened or affected, which I did not authorize or initiate. These accounts are now causing potential harm to my credit report, and I am requesting immediate assistance to have them blocked and deleted pursuant to 15 USC 1681c-2 ( a ). The accounts in question are : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX Account Number : XXXX, XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account Number : XXXX I am concerned about the negative impact on my credit report and potential exposure to identity theft due to this breach. I am requesting prompt action to block and remove these accounts from my credit report in order to prevent further unauthorized use of my information and to maintain the integrity of my credit file.

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 2024-11-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with 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.

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: NE

Complaint narrative:
I took out a XXXX XXXX  loan from XXXX XXXX XXXX. I already made a payment of XXXX XXXX  & now I owe more than the loan was ( XXXXXXXX XXXX  ). I cant afford to pay that in full.

Company response to consumer: Untimely response
Consumer complaint received 2024-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
RESURGENT / LVNV attempting to collect debts that are not lawfully theirs. Notification to XXXX  will follow. 
RESURGENT / LVNV refuses to VALIDATE these debts which I have requested on MULTIPLE occasions. Notification to FTC now filed ; COMPLAINT XXXX. 
RESURGENT / LVNV IS NOT LICENSED in the State of New Jersey to collect. Notification to NJ State Attorney General has been filed.

CEASE AND DESIST AND DELETE FROM MY CREDIT FILES ON XXXX AND XXXX IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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: CA

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Interest rate
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I have this loan since year XXXX when I purchase my home. I did a loan modification on year XXXX terms as stated on the modification the HELOC to closed end fixed rate with an interest at 5.00000 % until XX/XX/XXXX. They changed the name from XXXX to Shellpoint, when this was done on XXXX XXXX XXXX XXXX XXXX, they changed my fixed interest rate to a variable rate 13.750 % and now to 13.250 %. Since XXXX I had called Shellpoint every other day, send then fax, emails, mail, with the information and proof of the fixed interest rate I have but they keep opening and closing cases and not fixing the problem. I came from paying XXXX to XXXX paying late fees because I can't pay that amount of money. I'm not suppose to be paying that triple interest rate. I need help I don't know what to do anymore they are not trying to fix this problem it just keep getting worst. I have other main loan on my home and a family of XXXX to take care. I'm going crazy right now.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
To Whom It May Concern, I am writing to address my previous letter dated XX/XX/2024. I have noted a significantly lower balance on my account ; however, I have yet to receive any statements or gain online access to this account. It is important to remind you that, per the Consumer Financial Protection Bureau, your bank is obligated to provide the following : 1. An itemization of the current amount of the debt, including interest, fees, payments, and credits since a specified date.

2. The current amount of the debt at the time the notice is provided.

I have not received a statement since XX/XX/2024. This lack of communication is unacceptable and has left me no choice but to demand the removal of any negative references related to this account from all credit bureaus.

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