vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-09 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: NJ

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 XXXX  XXXX, XXXX  XXXX : XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C. 1681section- 602 A. States I have the right to privacy 15 U.S.C. 1681section- 604 ; It also states a consumer 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 counting 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 2024-05-09 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: NJ

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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C. 1681section- 602 A. States I have the right to privacy 15 U.S.C. 1681section- 604 ; It also states a consumer 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 counting 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 2024-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

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 2024-05-09 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: OH

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

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 2024-05-09 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:
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer.

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 2024-05-09 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have sent letters and etc .... through certified mail. I also have been reaching out to XXXX XXXX, and Experian to try and get this resolved no one has been able to help. 
I have fraudulent accounts reporting to my report that needs to be removed immediately. 
15 usc 1681-2 states " Except as otherwise provided in this section, a consumer reporting agency shall block the reporting information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft '' these companies XXXX XXXX, and Experian must remove these fraud accounts immediately. 

XXXX XXXX XXXX XXXX - {$8000.00} - XX/XX/2023 XXXX XXXX XXXX- {$560.00} - XX/XX/202XXXX XXXX XXXX XXXX - {$370.00} - XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXX - {$86.00} - 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 2024-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to request the removal of the following hard inquiries from my credit report : XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX U.S. POSTAL SVC XXXX XXXX Inquiry : XXXX XXXX, XXXX These inquiries were made without my express authorization, and I believe they do not accurately reflect my credit-seeking behavior. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to request the removal of any unauthorized or inaccurate information from my credit report. 

I kindly request that you investigate this matter and remove the disputed hard inquiries from my credit report as soon as possible. 
Please send me written confirmation once the investigation is complete and the inquiries have been removed. 

Thank you for your prompt attention to this matter. 
Sincerely, 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 2024-05-09 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: NY

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: FL

Complaint narrative:
Hey I Received an XXXX Form for the charged off account : Account XXXX XXXX XXXXXXXX Account number : XXXX from creditor an account was filed as an income on my taxes. income should not be reported on my consumer report or as something as derogatory therefore the charge off account must be removed from my consumer report.Thanks 15 U.S. Code 1681 ( e ) B ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy 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 ProoXXXX ( an original XXXX Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX I called for XXXX XXXX and connected to a fraudulent number ( XXXX ). The person impersonating an XXXX XXXX technician gave his name as XXXX XXXX and informed me that my account was flagged by people using my identity to purchase XXXX. He told me that he would work to secure my account and eliminate the " penalties '' I was accruing from these " transactions ''. He gave me another number ( XXXX ) from which he called and texted me to provide me with instructions. While this " repair '' work was happening he had me keep my phone off which unfortunately caused me to listen to him more readily because I, of course, needed my phone. I borrowed a Tracphone that I could use for communicating. 
He told me that a " secure '' XXXX account was set up under the name of XXXX XXXX ( XXXX ) which he would use to track the " hackers '' but any money I sent would be returned to me within XXXX hours of this being completed. I was given very specific amounts to transfer XX/XX/XXXX - {$1400.00} ; XX/XX/XXXX - {$2000.00} ; XX/XX/XXXX - {$1400.00} and {$2000.00} ; XX/XX/XXXX - {$1300.00}. At this point I told him that this was nonsense and to XXXX my money back. I asked for a supervisor and this person tried to intimidate me into giving them funds from my IRA, which I did not.

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 2024-05-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IL

Complaint narrative:
I received notification on XX/XX/XXXX of being eligible for a fiscal year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX ( XXXX ). XXXX confirmed they sent the necessary supplement information to have the award applied to my account. In a conversation with a Mohela representative on XX/XX/XXXX, it was confirmed the supplemental information for my award was received but the funds have not yet been applied to my account. 

I then spoke with a Mohela representative on XX/XX/XXXX who submitted my request for review, advising I wait XXXX business days for a response. I received an email stating the XXXX XXXX XXXX with Mohela is looking into the matter. I sent an email to the XXXX XXXX XXXX regarding a response on XX/XX/XXXX. No response was received, so I sent a follow up email requesting a response on XX/XX/XXXX. 

I have been unable to make any progress with getting Mohela to apply the loan award to my loan balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: 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 inquiries and update these accounts accordingly to avoid future litigation.

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 2024-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld Systems Acct # XXXX Amount- XXXX I have sent this company a cease adhere this company has refused to adhere to the federal guidelines by ignoring my request in my attempts to resolve this matter the company is not legally bonded and or insured to collect in the state of TEXAS XXXX please have this company cease all collection activities this my last attempt to complain outside of court.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: Spring Equity LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX, Spring EQ made a hard pull on my credit report that was not authorized by me. The reason for this message is to request the rescission of this hard credit pull through XXXX. 
On XX/XX/XXXX, I was shopping around for a HELOC. I was contacted by XXXXXX/XX/XXXX in XX/XX/XXXX XX/XX/XXXX. I reiterated to XXXX XXXX atXX/XX/XXXX on multiple occasions that I did not want a hard pull on my credit report. He assured me that there would be no hard pull, stating it would be a soft pull only. Despite my insistence, he requested my social security number. Once again, I emphasized that I wanted absolutely no hard pulls on my credit. He assured me there would be none. Against my better judgment, I provided XXXX XXXX with my social security number. XXXX XXXX is the only person I spoke to on this date, so it is impossible for any other individual to have used my information to negatively affect my credit score. After he gathered all my information, he hung up and called me back about half an hour later with updated rates, which was fine. However, later in the day, I received a notification from my credit monitoring program stating that your company, Spring EQ, had conducted a hard inquiry on my credit report. I did not know who this company was, and they certainly did not have permission to pull my credit. 
After speaking with XXXX, they informed me that Spring EQ had made a hard inquiry on my credit report without my permission. On XX/XX/XXXX, I contacted both SpringEQ andXX/XX/XXXX that I was requesting Spring EQ to rescind this hard pull with XXXX to restore my credit to its proper state. I contacted them in hopes that we could resolve this issue quickly and efficiently without having to involve other agencies like the XXXX or CFPB. I was notified by XXXX XXXX late on XX/XX/XXXX that the rescission was in place and it would soon be off of my report. However, when checking my credit report on XX/XX/XXXX, it was still there! I was once again lied to.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent accounts in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX XXXX XXXX XXXX # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX date opened XX/XX/XXXXXXXX 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 2024-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I had a dispute come across my card on XX/XX/2023 for a total of XXXX at a XXXX that I did not make and I promptly reported it to the credit card company in hopes to get this issue resolved in a timely manner but that is far from what has happened. It is now XXXX  months later and nothing has been told to me about anything with this and I want to be able to have that credit back in order to pay bills. I feel as I am at a disjustice as I am being penalized for a stolen card that was properly closed and reported 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 monetary relief
Consumer complaint received 2024-05-09 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: IL

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
We bought a airfare with Chase travel for a person that unfortunately died almost a month before the flight. We called and tried to change the name on the airfare but it was not possible. They guide us to send an email to XXXX with the XXXX XXXX and all the information of the flight and case. 

We followed the instruccions and sent the inicial email on XX/XX/XXXX, we have followed up on XX/XX/XXXX, XX/XX/XXXX & on XX/XX/XXXX with no answer at all. 
It has been already XXXX  months waiting for this refund or at leat a response on the case but no one answers me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: DE

Complaint narrative:
This all began in XXXX of XXXX when I received a call from someone asking for my address, last name, last four of my social my first thought was scam and ask for their communication in writing. I guess they didnt like my answer because I received two letters in XXXX one confirming my contact information and one telling me of a missed payment and I would be in foreclosure, real friendly. 
Upon receiving this letter, I called and spoke with an agent, he informed me that my payment which I send electronically every month was being held because the escrow was short {$12.00} dollars and was never communicated in any letter, so technically my mortgage was paid only the escrow was short which fluctuates from year to year. We then talked about how to correct the problem. He explains that all I needed to do was pay the balance owed and adjust my monthly payments and we did, isnt that recorded! 
In XXXX of XXXX I started looking into a XXXX to do some home improvements and investment opportunity only to find out there was a derogatory remark against my credit from Carrington Mortgage LLC saying I was one month late which has devastating financial consequences for borrowers, leading to high interest rates, and being declined for loans, investment or otherwise.

Once again, I called Carrington Mortgage LLC thinking this would be a just a customer service issue, boy was I wrong. All I got from Carrington was human robotic from XXXX # XXXX supervisor then she passes me off to another suppose supervisor XXXX # XXXX who had no more to say and do no more than she did, which lead me to file this complaint.

Company response to consumer: Closed with explanation