vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-09 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: AZ

Complaint narrative:
To whom it XXXX concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act XXXX XXXX. Block of information resulting from identity theft [ XXXX XXXX. XXXX ] ( a ) XXXX. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. XXXX XXXX CODE XXXX - False or misleading representations XXXX  Account Number : XXXX Update to Open/Never late XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Delete this account. 

XXXX. XXXX XXXX CODE XXXX - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete this account. 

XXXX. XXXX XXXX CODE XXXX XXXX - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete from my credit report. 

XXXX. XXXX XXXX CODE XXXX - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - False or misleading representations XXXX XXXX  Account Number : XXXX Please remove it from my credit report XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER FAIRWAY INDE Date of inquiry : XX/XX/year> Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 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: LA

Complaint narrative:
I have filed a complaint many times regarding the negative accounts on my credit report. I want these negative accounts removed and the responsible parties held accountable. I want them to be fined due to the impact of inaccurate reporting on my credit report. If nothing happens with this complaint, I will file a lawsuit against them, and they should be held responsible for their actions

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I attempted to place a security freeze and credit lock on my TransUnion credit report to protect my personal credit files while applying for business credit. Specifically, I was in the process of applying for a business auto loan through XXXX XXXX and wanted to ensure that only my business credit would be pulled during the application process. 

I had previously created a paid TransUnion account to access the freeze and lock services. However, I encountered issues both online and through customer service. After several attempts to freeze/lock my credit, I contacted TransUnions customer service via chat. The representative informed me that they were unable to process my request and created a claim to escalate the issue. I was given case number XXXX and told that I would be contacted by their special handling team within 3-5 business days. Despite expressing my concern about preventing any potential negative impact on my credit, the agent said there was nothing more they could do at that time. 

Several days later, I still had not been contacted by TransUnion. In the meantime, the inquiry from my business auto loan application has appeared on my personal credit report, which I was trying to avoid. This inquiry is now visible on all three bureaus. Despite paying for the service and multiple attempts to resolve the issue, I am still unable to place a security freeze or lock on my TransUnion account. 

I am attaching a screenshot of the chat with the TransUnion agent as evidence, showing the case number and their promise to escalate my issue.

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 2024-09-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
On XX/XX/year> I reached out to XXXX XXXX XXXX, an apartment owned by XXXX XXXX XXXX to let them know I wanted to cancel my application and to not charge me the move in fees of {$570.00}. On XX/XX/year> they still charged me the fees so I reached out via email and phone, was not responded to by email or phone by the apartment. I disputed the charge with my bank, and got my money back. They finally sent an email after I disputed the charge, saying that they were sorry and where they could mail the check to. I told them I disputed the charge and to not worry about it anymore. Now on XX/XX/year> I get a collection notice for {$670.00} - {$100.00} more than the original move in fees, for the fees I never even authorized! They even apologized on XX/XX/XXXX, so not sure why I got sent to collections. This company is running scammy practices, all you have to do is read the reviews of the apartment and you will see all of the unethical practices they are doing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
CAVALRY SPV I , LLC sued me for debt while I was in the process of declaring bankruptcy. They did not serve me notice at the proper address ( I did not reside at the address they did serve ). They levied my bank account and took {$1200.00}, well above the amount allowed. I am indigent, living on welfare. The court nevertheless decided against me, despite at least two clear violations of law ( failure to notice, taking above the amount allowed ). When I first submitted paperwork to reverse the judgement, I demanded to see proof of service, Cavalry failed to provide it. 

I would like to clarify that I have been incarcerated from XX/XX/XXXX through XX/XX/XXXX, and from then on I remain on parole. My whereabouts are absolutely clear, despite the court complaining that my address is not stable. I am searchable on the internet without using legal tools ; I am equally searchable on the internet via a variety of legal search tools. My address is known by the state, the counties of XXXX and XXXX, the courts therein, the state police, and state parole. The complainant simply didn't bother to verify my address ; there is no excuse. 

SUPERIOR COURT OF NEW JERSEY - XXXX The following was filed by XXXX XXXX XXXX on XX/XX/XXXX : Plaintiff Name CAVALRY SPV I , LLC Defendant Name : XXXX XXXX XXXX Case Caption : CAVALRY SPV I , LLC XXXX XXXX XXXX XXXX Case Number : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 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 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 explanation
Consumer complaint received 2024-09-09 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: MD

Complaint narrative:
These 4 negative accounts reporting on my EQUIFAX credit report ( SEE ATTACHED ) are fraudulent, inaccurate, and unverifiable!!!! ( PLEASE SEE ATTACHED )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 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: TX

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX XXXX - Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/year> XXXX  XX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2024-09-09 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: TX

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX - Account XXXX Account Name : XXXX XXXX XXXX XXXX  - Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this

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 2024-09-09 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-09-09 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXXXXXX - BALANCE {$7800.00} XXXXXXXX XXXX XXXX XXXXXXXX - BALANCE {$3800.00} XXXX XXXX # XXXX - BALANCE {$6300.00} XXXX # XXXX - BALANCE {$3000.00} XXXX XXXX XXXX XXXX - BALANCE {$3300.00} XXXX XXXX XXXXXXXX - BALANCE {$12000.00} XXXX XXXX  # XXXX - BALANCE {$3900.00} XXXX XXXX XXXXXXXX - BALANCE {$14000.00} XXXX XXXX XXXXXXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - BALANCE {$7900.00} XXXX XXXX  # XXXX - BALANCE {$1300.00} XXXX XXXX  # XXXX XXXX XXXX  # XXXX - BALANCE {$4800.00} XXXX XXXX  # XXXX - BALANCE {$4400.00} Unauthorized inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BSI Financial Holdings, Inc.
State: VA

Complaint narrative:
BSI will not respond to my multiple requests to show evidence that they have applied my lump payment of {$130000.00} to the principal amount due. I want proof as well as PAPER statements. Documents are not available anywhere on the website. it is impossible reach a customer support representative. They only have a voice mail and never call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXXXXXX XXXX XXXX -Balance {$20000.00} XXXX XXXX XXXX XXXX XXXXBalance {$100000.00} XXXX XXXXXXXX XXXX XXXX -Balance {$20000.00} XXXX XXXX # XXXX -Balance {$99000.00} XXXX XXXX # XXXX XXXXXXXX {$61000.00} XXXX XXXXXXXX XXXX XXXX  -Balance {$13000.00} Unauthorized inquiries XXXX XXXX XX/XX/XXXX XXXXXXXX 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 2024-09-09 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXXXXXX XXXX XXXX  -Balance {$20000.00} XXXX XXXX XXXX XXXX  -Balance {$100000.00} XXXX XXXXXXXX XXXX XXXX -Balance {$20000.00} XXXX XXXX # XXXX -Balance {$99000.00} XXXX XXXX # XXXX XXXXXXXX {$61000.00} XXXX XXXXXXXX XXXX XXXX -Balance {$13000.00} Unauthorized inquiries XXXX XXXX XX/XX/XXXX XXXXXXXX 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 2024-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Some time in XXXX or XXXX  XXXX of this year, 2024, we received an offer in the mail -- open a savings and checking account with Chase and earn {$900.00}. I used the coupon code XXXX XXXX XXXX XXXX. I still have both the coupon code and the original mailer. There were of course specifications to follow in order to obtain this money. These included one direct deposit, maintaining a minimum balance for 3 months etc. On XX/XX/XXXX, I opened a checking and savings account transferring {$2000.00} into the checking account and {$15000.00} into the savings account. I also changed my direct deposit information and on XX/XX/XXXX and XXXX, a direct deposit was made into the checking account ( {$2500.00} and {$340.00} respectively ). I have yet to receive the promised {$300.00} in the checking account when I should have received it within days. ( Future deposits include {$400.00} into the savings if I maintained the {$15000.00} and an additional {$200.00} after 90Days if I met specifications because I opened both the checking and savings account at the same time ). Anyway, I phoned Chase yesterday and, after being on the phone about 15 minutes, I was told I had to wait another 20 minutes for a supervisor or drive over 2 hours to a nearby Chase branch in order to understand why the terms of my agreement had not been fulfilled. I received no help from the supervisor and then sent a complaint to the XXXX. i did hear from a Chase self identified " executive '' who, after several more weeks, decided against my claim via a phone message. I called this person and requested a return phone call and have, to date, heard nothing. At present I have almost {$20000.00} in these new Chase accounts ( drawn from a savings account earning 4.6 % interest ) and have earned under XXXX dollar in interest. I would like for Chase to rectify this situation or tell why the company can not so that I can move my money from these new accounts. I do believe Chase should honor their offer as I completed all necessary requirements. I also complained to the federal reserve in XXXX and received an email to make my complaint to your office. I do appreciate your time and attention!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-09 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: TX

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX - Account XXXX UNAUTHORIZED INQUIRIES : 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 XXXX XXXX XXXX XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this

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