vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX Account Number : 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 2024-08-20 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: MI

Complaint narrative:
I have identified several inaccuracies on my credit report and subsequently reached out to the credit reporting agencies to address these issues. however, the credit reporting agencies have not adhered to Federal Trade Commission regulations and have failed to correct These discrepancies, this noncompliance represent a clear infringements on my consumer rights

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: MI

Complaint narrative:
I have identified several inaccuracies on my credit report and subsequently reached out to the credit reporting agencies to address these issues. however, the credit reporting agencies have not adhered to Federal Trade Commission regulations and have failed to correct These discrepancies, this noncompliance represent a clear infringements on my consumer rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX Last reported XX/XX/year> {$780.00} Open balance XXXX XXXX XXXX Original creditor Opened XX/XX/year> ( XXXX mos ) Account status Open Type -- Responsibility Joint Remarks Account previously in dispute - Now resolved by data furnisher Original creditor name XXXX XXXX XXXX this account was open under my name without my consent I had never leave or move in to that appartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
I noticed a payment processing on my Amex mobile app for {$5500.00}. I had just paid the minimum payment and did not authorize this payment. Amex said it was paid through my XXXX website which I dont ever use to pay my Amex. I only use the AMEX app. I called XXXX  to dispute. They said that Amex processed that payment since They had my checking and routing information. This happened with out my knowledge or permission. They also have access To my account with my Amex Personal loan that I am now concerned they will try to do the same thing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I sent each of the XXXX credit bureaus a letter on XXXX XXXX and Each of them had told me they received the but stated they were doing nothing with the letters. It has now been over 30 days and the inquiries are still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: MA

Complaint narrative:
I sent each of the XXXX credit bureaus a letter on XXXX XXXX and Each of them had told me they received the but stated they were doing nothing with the letters. It has now been over 30 days and the inquiries are still on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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. 

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 2024-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Mullooly Jeffrey Rooney & Flynn
State: NY

Complaint narrative:
Good Afternoon. 

In pursuing my case against the debt collector Mullooly Jeffrey Rooney & Flynn XXXX ( MJRF ). 

During my research I uncovered a number of XXXX Reviews for this firm, indicating unethical behavior. 

Given the volume of reviews I wanted to bring this to the attention of the CFPB. 

Some items include : They need their practice shut down, they tried collecting on debt I already paid. They had a woman pretend to be an XXXX worker to send my neighbor summons papers. - XXXX XXXX XXXXXXXX XXXX XXXX. If low mea n't [ XXXX  ] anything they are the worst people you can ever deal with. Absolutely disrespectful across the board - XXXX XXXX This law firm is the worst! Paid an old hospital. Bill got satisfaction letters and receipts XXXX years later they had the sheriff garnish my paycheck admitted the mistake and have me waiting for my own money back terrible service very unprofessional XXXX XXXX I have long asserted this firm breaks the law. I would ask for a formal inquest by the CFPB given the sheer volume of online complaints that corroborate my experience with this firm. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I was astounded and disheartened to discover that credit inquiries were being conducted without my consent. I have attempted to obtain the following information from the creditors ; however, they have neglected to respond. Details of the Inquiry : Request that the creditor furnish specific information regarding the inquiry, including the date of its initiation, the purpose of the inquiry, and the credit product or service that is associated with it. Application Documentation : Obtain copies of any credit applications or other documents that are pertinent to the inquiry. This may encompass disclosures, agreements, or application forms that you would have completed or received during the credit application process. Documentation of Authorization : Request that the creditor furnish evidence of your authorization for the inquiry. This may encompass signed consent forms, agreements, or disclosures that serve as evidence that you authorized the creditor to access your credit report. Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. The documentation of your interactions with the creditor may encompass emails, letters, or notes. Internal Records : Request that the creditor furnish internal records or notes in connection with the inquiry, including any decision-making processes or rationales for initiating the inquiry. Identity Verification : Prior to commencing the inquiry, request that the creditor implement verification procedures to verify your identity in the event that identity theft is a concern. This may involve the verification of personal information or identity documents submitted during the application procedure. Documentation of Compliance : Inquire about the creditor 's adherence to pertinent laws and regulations that govern credit inquiries, including the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  discriminating agency directly bullied me via email and phone. I opened XXXX XXXX XXXX XXXX  and due to fraud and unauthorized transactions I refused to make payments because I have zero liability for fraud charges, bank failed to investigate fraudulent transactions in a timely manner therefore its unlawful for them to report falsely as a charge off, they also stole {$710.00} from me to cover for fraudulent transactions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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:
According to the FCRA : 15 USC 1681.602a- states I have the right to privacy 15 USC 1681 604a sec # 2- states a consumer reporting agency can not furnish an account without my Witten Permission.

15 USC 1666b- a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. 
XXXX XXXX XXXX. XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX  {$3200.00} XXXX XXXX XXXX. No. XXXX XXXX XXXX  {$2500.00} I have contacted both of these companies and I have requested that I be provided with the Original Contracts with my signature with XXXX XXXX XXXX the Bill of Sale for these dept purchased accounts and I have requested a copy of the contract I signed with XXXX and XXXX authorizing them to place any information on my report. I have not received any of this information. I was given a web site to go to by XXXX XXXX but when I accessed the account I could get no paperwork because it stated my case was in litagation and could not be released. I also requested the Bill of Sale and it was not provided. If these companies purchased these accounts then my credit report should have read accounts Settled for Less because the amounts owed changed which are Inaccurate on my report. I can not obtain the information to clear the matter and by law these items must be report 100 % correct. I have no way to verify these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
So I have some personal loans and balance transfer offer ( {$12000.00}, Which I used ) from the Citi Bank, the personal loan is less than 10 % rate and the balance transfer offer is 0 % interest rate by XX/XX/24, on or after XX/XX/24 it will be 29.99 % interest rate. On XX/XX/24, I paid Citi bank the balance transfer full amount {$11000.00}, their system didn't have the option for me to select which payment I made, but from the call I talked with the bank representative before, the payment will be paid the highest rate loan/product first, which should be the balance transfer. Now I can see the system used my money to paid the personal loan but not the balance transfer, and they charged me the interest ( 29.99 % rate ) for the balance transfer because it's not paid off in their system. 

Now they keep charging me the 29.99 % rate every month and I don't have extra money to paid it off.

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 2024-08-20 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:
Hello and good day, I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello and good day, I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
Around XXXX of XXXX I started sending 'over payments ' to my mortgage company with a note at the bottom of each check for overages to go to principle. Over the last 5 years, I continued to make 'over payments '. In XX/XX/XXXX, by phone, I asked them to send me everything in my file that is related to my address. They only sent a statement for the next month. On or about XX/XX/XXXX, I was told by phone that I will have the information I requested by XX/XX/XXXX. Then on XX/XX/XXXX, I was told by phone again, it will be processed on XX/XX/XXXX and I should receive it by XX/XX/XXXX. I have not received any of the information I requested and I feel like they are trying to drag me along until they can file 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 2024-08-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MA

Complaint narrative:
As seen in the attached communication documents from Mohela, I have been placed on administrative forbearance as a result of legal delays against the XXXX plan. As strictly outlined in the document, I am not supposed to be charged interest during administrative forbearance. However, my loan balance continues to increase and is accruing interest has been added to my loan. I have not been able to get this fixed in dealing with Mohela. I would like my account to reflect the correct amount without accruing interest as it is supposed to be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

Company response to consumer: Closed with explanation