vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-21 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:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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: NY

Complaint narrative:
After signing up for credit monitoring, i discovered some unauthorized accounts that are showing on my credit report illegally. I requested proof via certified mail and i didn't receive any, no real investigation was completed either.

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 2023-12-21 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: NY

Complaint narrative:
After signing up for credit monitoring, i discovered some unauthorized accounts that are showing on my credit report illegally. I requested proof via certified mail and i didn't receive any, no real investigation was completed either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit. Account # LISTED BELOW, has violated my rights.

Are you familiar with something called 15 U.S.C Sec. 168i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct, So, would you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to compete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all XXXX bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all XXXX bureaus swell which This is ground for removal they also violated my rights under, 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 ACT S 611 ( 15 U.S.C S1681 15 U.S. Code 1666 - Correction of billing errors STATES CONSUMER CAN NOT REPORT LATE PAYMENTS AFTER PAID IN FULL 15 USC 1681i 15 USC 1681 S-2 15 USC 1681i ( 5 ) ACCOUNT NAME & NUMBER : LISTED BELOW XXXX XXXX XXXX XXXX - XXXX ( XXXX ) XXXX XXXX - XXXX ( TRANSUNION ) XXXX creditor : XXXX XXXX XXXX XXXX XXXX XXXX THESE ACCOUNTS NEED TO BE DELETED BECAUSE THEY HAVE DELETED OFF MY OTHER XXXX BUREAUS XXXX & TRANSUNION AND 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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
TransUnion rep XXXX wouldn't allow me to dispute unauthorized inquiries on my transunion credit report. Told me I had to file XXXX report on the accounts. I told him I did not and don't need to. I made XXXX aware that according to the FCRA, legally these unverified and unauthorized items must be removed. He said he couldn't and we got off the phone without resolving my issues of my credit report. The following item are these : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-21 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: AE

Complaint narrative:
these inquiries are not mine and i wish to have them removed. I sent a letter to transunion requesting things to be removed but have yet to receive a response.

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 2023-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
I closed my account bc I could affored to pay off the card with the extra fees, agreed to pay off what was left of the card and nothing extra. XXXX XXXX says my card is closed and the destiny mastercard says I have no available balance so I thought the fees would stop. I pay XXXX bucks a month for a card I don't even use anymore only to be billed another XXXX dollars in fees just for paying the credit card off. Seems like I can never pay it off because of the fees! They are scamming me and many others, and I've become more in debt than ever over a supposedly closed account. I talked to someone over the phone and they told me I would not be charged extra fees but here I am, half of my credit card payment going towards fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I am submitting this complaint against GM Financial Funding Department to report this bank/lender to Consumer Financial Protection Bureau . The reason for this complaint to report GM Financial for depriving me of my rights and my documentation for this purchase. I have attempted to resolve this matter amicably and in good faith for the last two months. However, this company has been non responsive via telephone or email. I have requested all documentation in reference to this purchase, including approval letters, welcome letter, sales contract, and reason for closed funding several times. 

I am the Co-Buyer for the purchase of the XXXX XXXX XXXX. I purchased this vehicle in XX/XX/XXXXXXXX  at XXXX XXXX XXXX, I was approved with GM Financial as my lender for the funding of this vehicle. I signed the sales contract with buyer XXXX XXXX on XX/XX/XXXX. I was advised by the dealership that funding can take up to 30 days to process. On XX/XX/XXXX, I received a call and a voicemail from XXXX XXXX, from GM Financial Funding Department requesting stipulations from me to process the funding for this deal, since GM Financial did not receive any stipulations from the dealership. I provided the requested employer information over the phone to XXXX XXXX on XX/XX/XXXX. I also emailed XXXX XXXX on XX/XX/XXXXXXXX  the rest of the stipulations that he was requesting. After I submitted the requested stipulations I did not hear from XXXX XXXX. I emailed him several times to request all documents on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Unfortunately, XXXX XXXX XXXX was non-responsive and still has been non-responsive to all my requests via email and telephone. I have also reported this individual and my experience as to requesting all my documents to XXXX XXXX, which is the Vice President of GM Financial. I reported this matter to XXXX XXXX on XX/XX/XXXXXXXX  via telephone. However, there was no resolution to this matter and I still have not received all my documents that I am entitled to by law. I am requesting for this bank/lender to be investigated as to they are depriving me and my legal rights to the documents of this purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Collection Management Holdings, LLC
State: PA

Complaint narrative:
Company called Credit Management Company has been calling me for a year saying I owed on a late hospital bill. They sent me only one bill by mail. I paid it. Still I get phone calls to collect more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: VANDYK MORTGAGE CORPORATION
State: MD

Complaint narrative:
I contacted VanDyk Mortgage because they raised my mortgage payment by over {$500.00} per month due to miscalculation of my escrow and update my home insurance. Upon reaching them on XX/XX/XXXX I was notified ( by XXXX XXXX ) they had sold my loan effective that day. The notification letter was actually delivered Saturday XX/XX/XXXX giving less than no notice. Subsequently, I have not been double charged for insurance due to VanDyk 's poor communication and my incorrect escrow info transferred from VanDyk will cost me {$11000.00} this year which is nearly twice my insurance and taxes combined which should be just short of {$5700.00}. This is predatory lending at it's core and due to the lack of notice and incorrect accounting I am paying {$450.00} per month too much on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: VA

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

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 XXXX 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 2023-12-21 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: VA

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

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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I disputed the company XXXX XXXX XXXX several times and this debt collection was removed from XXXX but it has not been removed from XXXX or XXXX which is in violation of the FCRA sec623 ( a ) 15 us code 1681-2. All credit bureaus must have the same information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Capital Link Management, LLC
State: TX

Complaint narrative:
In XXXX, XXXX, my dad and myself separately received a phone call and voicemail regarding a balance and debt owed. They provided my name, a creditor and a balance to both myself and my dad ( third party ). We called the number back but it is disconnected. Eventually I found a number and linked it to Capital Link Management LLC. I emailed them on XX/XX/XXXX at XXXX to cease all text and phone communication to both of our numbers and to strictly email me or mail me. I asked them for debt validation and information, and to provide proof of what they are calling about. However, my dad and I have continued to get phone calls and texts almost daily, I never received a follow up via email or mail or debt validation. Today, XX/XX/2023, I received a text with an actual phone number I can call again. I called and told them to stop texting and calling the following numbers and that I emailed them to validate what they are claiming. The man on the phone didnt tell me the company name or his name when he answered, just that he is a manager. He asked how I knew the number if I had no association. I again told him I need communication to stop and that I was able to link the numbers because they are similar. He asked again how I knew the numbers and I didnt answer him. He was rude and told me to stop playing games and referred to me by last name although I never gave it to him, and then he hung up. This company had refused to cease texts and call communication despite me asking them to stop and failed to provide debt validation. The man on the phone also didnt confirm my identity whatsoever yet used my last name, therefore giving info to me without confirming who I was.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-21 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:
This letter is my final communication to Equifax regarding your claim that the information below has been verified and that the information being reported by the furnishers is accurate. 

XXXX, XXXX XXXX XXXX, XXXX XXXX ( DUPLICATE ACCOUNT ) XXXX XXXX XXXX XXXX, XXXX XXXX I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher ( s ). The company has failed to respond to my debt validation letter. It is also important to note that XXXX nor XXXX report this inaccurate information. 
Furthermore, I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number.

Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617.

Please see the attached dispute letter that is dated, and time stamped for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
I did XXXX wire transfers on XX/XX/23 for a total of XXXX, from my bank in XXXX, XXXX XXXX XXXX XXXX to bank account in JP Morgan Chase in XXXX, the funds were never put into that account, and the purchase that I was trying to do never happened, I told my bank to let Chase know that and to return the money back to my account. This never happened, Chase is saying that the Department of the Treasury was holding my money because it was meant for a purchase of a house in XXXX, which owner of said property in in the US, so the money was not actually leaving the United States it would always stay here. I personally called the Department of the Treasury and was told that they never had that money and to put a claim with the FDIC, I did this on Tuesday XX/XX/23 and they said to reach out to you guys. Please help me with this situation, its a lot of money that they are holding for no reason whatsoever. The purchase that I was trying to do with that money was cancelled and I just want the money back in my account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: AE

Complaint narrative:
there was a dispute filed with Experian in XXXX that i disputed some unauthorized inquires and i have yet to get any response in this matter. They have not processsed this matter and for me this is urgent because it is stopping me from buying a home.

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 2023-12-21 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: AE

Complaint narrative:
sent a letter to equifax disputing late payments on account that has been paid on time. they have ignored this request and havent processed it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please refer to the attached documents. I request the bureau to initiate an investigation into these accounts, which I am never late for, but they are incorrectly reported as late.

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 2023-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: CA

Complaint narrative:
WAKEFIELD & ASSOCIATES is trying to collect for medical services that have already been paid in full by my insurance carrier. this debt falls under the Federal No Surprise Act.

again this debt has been paid in full!

Company response to consumer: Closed with explanation