vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-07 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: NY

Complaint narrative:
FINAL NOTICE! I have contacted this companies that I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS and UNITED STATES of AMERICA FEDERAL LAW. 

Please block and remove all information from my credit report and send me an updated copy of my credit report. 


Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed. 
In accordance with the FCRA, a consumer report excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Any inclusion of late payments or derogatory statuses constitutes a clear infringement of 15 USC 1681a ( d ) ( 1 ), as this information relates to the consumers experiences. 



Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow XXXX highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yellow XXXX highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 2024-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc.
State: MA

Complaint narrative:
To whom it may concern, On XX/XX/XXXX I signed up for a 6 month subscription to XXXX for approximately {$440.00}. After the six month subscription period was over I was no longer able to sign into my XXXX account, at which point I realized that my subscription had concluded. I moved on and did not pursue any further subscription with XXXX. A month or so later I received an email from XXXX stating that I owed them {$890.00}. I no longer have that email as I was under the belief that it was a malicious/scam email so I deleted it. A couple months later ( late XXXX ), I received an email from a company called RFGI who I now know is a debt collector. They stated that I owed {$890.00}. I called RFGI shortly after receiving that email, but early on during the call they asked me for my date of birth at which point I hung up. I was still questioning the legitimacy of this collection attempt and was unfamiliar with this company RFGI. I deleted that email as well, as I thought this could be another scam tactic. After a week or so went by, I was curious about these inquiries and decided to reach out to XXXX directly in order to validate whether or not this debt collection attempt was legitimate. I sent the inquiry to XXXX on the morning of XX/XX/XXXX. Based on their response the morning of XX/XX/XXXX, I found out that they were in fact trying to collect {$890.00} dollars from me for an additional XXXX subscription that I never signed up for. In addition, I want to be clear in that I recognized no benefits from this XXXX additional subscription ( i.e. - I was locked out of my XXXX account after my original 6 month subscription concluded ). Today ( XX/XX/XXXX ), I submitted a formal dispute to RFGI requesting validation of this debt be sent to me via certified mail. Now that I understand the legitimacy of these inquiries, I will be sure to hold onto any further correspondence relating to this issue ( i.e. - no more deleting emails that I thought were fraudulent ). I've asked RFGI to contact me via Postal Mail moving forward and will await the debt validation letter from them.

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 2024-06-07 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: GA

Complaint narrative:
I reviewed my credit report and came across unfamiliar accounts. Despite my attempts to contact the relevant parties for verification, they have consistently ignored my requests and have not provided any verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am trying to buy a house and I have realized I have damages on my credit report. According to the 15 U.S.C 1681 there should not be any damages on my credit report. It is defamation of character.

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 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am trying to buy a house and I have realized I have damages on my credit report. According to the 15 U.S.C 1681 there should not be any damages on my credit report. It is defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA
State: WA

Complaint narrative:
On XX/XX/XXXX at approximately XXXX am, I received yet another harassing emails from XXXX about my student loans. It is the same email that they sent to my account. This email was sent to my inbox after I submitted a complaint about the fees that they placed on my account. I want the harassing emails to cease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: OK

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 each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, "

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax said this account wasnt reported in XXXX. I applied for a loan and was denied on XX/XX/XXXX due to the Attorney General account showing. They keep reinserting the account. Its not my account. This item was an erroneous account showing as a credit account which I never applied or gave consent for and was a violation of XXXX5 USC 1681b and 15 USC 1681 c-1,15 USC 1682c-2 The information has now been reported again as of XX/XX/2024, Violating my Consumer rights under 15 USC 1681s-2a1a reporting information with actual knowledge of errors - 15 U.S. Code 1681e ( b ) reads " 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. '' It is also harm due to trespass against my rights, Interrupting the flow of commerce, and a Violation against my unalienable right to the pursuit of happiness since it has prevented me from improving my circumstances by being a homeowner I will be seeking litigation in accordance to 15 USC 1681n and 15 USC 1681 o in monetary compensation for {$XXXX} k and the permanent removal of this error. 

This had prevented me the right to become a homeowner and defamation of character and my public appearance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
PLEASE UPDATE MY PERSONAL INFORMATION ON MY CONSUMER PROFILE TO THE FOLLOWING INFORMATION STATED THE PERSONAL INFORMATION DOCUMENT ATTACHED. PLEASE DELETE ANY ADDITONAL ADDRESSES AND EMEPLOYMENY HISTORY ON MY PROFILE THAT ARE NOT MENTIONED IN THE ATTACTED DOCUMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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: NJ

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

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 2024-06-07 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: GA

Complaint narrative:
XXXX XXXX XXXXe : Contract Pay Off XXXX XXXX XX/XX/XXXX I sent agreed payment in order to settle installment contract with XXXX XXXX. The above referenced account has been settled in full. The lien was supposed to be released. They agreed to report to all credit agencies. I received the letter confirming settlement of account. But information has not been updated with credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FinCo Services Inc DBA Current
State: VA

Complaint narrative:
I put in my claim & was promised within my 10days to be credited my funds by XX/XX/year>, instead Current bank has a habit of aggressive closing claims, without looking at evidence & denying appeals & this time closed my account with issuing refunds in allotted legal timeframe stating they would mail me a check of which I no longer live at the address. XXXX agents constantly hang up with no American support or representative management staff &, leader ship operations is never present to discuss account activity. They are constantly putting my consumer privacy at risk & I am tired of the XXXX XXXX XXXX XXXX XXXX XXXX. I want my account justly repopened & money back in my balance today.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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:
Credit inquiries on your report that you don't recognize XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX Finance/Personal XXXX XXXX  XXXX Automotive 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 2024-06-07 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:
Credit inquiries on your report that you don't recognize XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX Finance/Personal XXXX XXXX  XXXX Automotive XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BILL.COM, LLC
State: WA

Complaint narrative:
I applied for a line of my credit with BILL.com LLC and was denied. I offered my social security number, my signature and other forms of financial instruments per BILL.com LLC request. As Regualtion B and many other USC, UCC, codes, House Joint Resolution 192 and Public Law 73-10. Among those, the financial instruments I provided make it possible for the financial institution to be accepted by the XXXX  XXXX XXXX which in turn issues the credit digitally. There is no Lawful Money in circulation publicly only credits accessed through a consumers signature and social security number. Regulation B regulates what credit companies are able to use and not use " granting '' credit or " extending '' credit. Credit companies are allowed to view a consumers credit report but not use any of the information against the consumer. This action is both illegal and unlawful on the grounds that I have applied within my rights and in Good Faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I request that the XXXX XXXX XXXX develop standard wording and format for wiring instructions so that all banks in the XXXX and internationally use the same standard wording and format. Frequently, when I send a wire the bank from which I'm sending is uncertain to whom account numbers apply : the final recipient, an intermediate bank, or the final bank? This wastes considerable time and puts money at risk. 

For example, today, I tried to send an international wire transfer from XXXX XXXX XXXX Bank to XXXX XXXX  XXXX in XXXX. However XXXX did not understand the wire instructions. XXXX couldn't figure out whether the account number in the wire instructions was for the final recipient ( my son ) or for another entity. I will check to find out. However, this kind of confusion is common when I try to do either a domestic wire or an international wire, particularly about who the final recipient is ( a person or a bank? ) and who owns the account numbers. 

Wire transfers are lengthy processes that take about XXXX minutes. So, getting information and starting all over wastes considerable time. I urge you to do a project that standardizes the wording and format of wire transfer instructions. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: GA

Complaint narrative:
I reviewed my credit report and came across unfamiliar accounts. Despite my attempts to contact the relevant parties for verification, they have consistently ignored my requests and have not provided any verification.

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 2024-06-07 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: NJ

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be 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 2024-06-07 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: FL

Complaint narrative:
between XX/XX/2024 to XX/XX/2024 the following TRANSUNION inquieires where made without my authorization XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute inaccurate information on my credit report, which has adversely affected my credit score. This is in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

Recently, my account balance was incorrectly reported. The correct balance of my account is {$XXXX}. However, the agencies reported that my balance increased, which is not true. Specifically, my balance decreased from {$XXXX} to {$XXXX}, and the correct current balance is {$XXXX}. 

According to 15 U.S. Code 1681 - Section 602 ( a ), I have a right to privacy. Additionally, 15 U.S. Code 1681 - Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Therefore, the erroneous reporting not only misrepresents my financial status but also violates my rights under these provisions. 

I request that the inaccurate information be corrected immediately, and my credit score be adjusted to reflect the accurate balance of {$XXXX}. Please confirm receipt of this letter and inform me of the steps being taken to resolve this issue.

Company response to consumer: Closed with non-monetary relief