vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, 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:
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.

The letters are stated with items and issues. 

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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, 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:
I tried disputing a fraudulent inquiry on my credit report and I was unable to do so. The next inquiry needs to be removed from my credit : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a 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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a 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 explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2023-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MS

Complaint narrative:
On XX/XX/XXXX, XXXX closed my account without notifying me. I had an instacash payment from them that is stated in their terms I am not obligated to repay. Since my account was deleted without me knowing, I don't have documentation of my request to stop payment. XX/XX/XXXX they charge my Chime. XXXX I dispute with Chime and follow up with XXXX via email. After informing them the money is for Mom 's medicine, they replied that the payment was returned and no further attempts to collect would be made on XXXX. Dispute is denied with request for supporting docs, none rec 'd. Filed 3 rebuttals to date, the latest being now with others denied with no docs. XX/XX/XXXX XXXX confirms the payment was returned via email. Apparently they are either not communicating or I'm being given different information. I've been told by chime that they saw no attempts to return, and others said they see the attempt but chime did not accept it and even had supervisors tell me there was no attempt made and hung up on me. I feel Chime has dropped the ball, as my supporting evidence is indisputable but apparently overlooked. Furthermore I feel as though Chime should provide me with a credit and reach out directly to XXXX strictly about the transaction and not the dispute and get this resolved. I'm at almost 3 weeks waiting now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These credit bureau are reporting this information incorrectly and fraudulently. I will attach supporting documents in hopes of finalizing this report to be removed immediately. This company was paid in full and requested an additional amount weeks after being paid the contract amount. Along with a data breach this company is involved in. Please remove from my report showing any late payments or derogatory remarks.

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 2023-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Advance America, Cash Advance Centers, Inc.
State: AL

Complaint narrative:
i got a title loan around covid time now the title company is not doing titles any more they are trying make me go to another loan company to get them to buy my title from them back and thats putting me in bigger debt i cant afford it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
Attempting to collect on an open dispute. By law they must cease collecting tactics until resolved. Attempting to arise vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
WAKEFIELD & ASSOCIATES has not mailed proof of dept. When called they are refererencig a dept XXXX XXXX XXXX for XXXX XXXX. They should have my address in TEXAS as it is current on Credit Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received negative credit reporting with the XXXX credit bureaus. Someone using my identification requested a loan from a company called XXXX on or about XX/XX/XXXX. 

I was notified in XXXX when the account was XXXX months delinquent. I then file a police report XX/XX/XXXX. 
I went to the place where the person had the automobile fixed and got the loan for the repairs. 
I contacted XXXX and was able to prove to them that I am not the person requesting that loan.

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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Vehicle was turned back in on XXXX, XXXX. All final settlements and payoff were completed by XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX continues to report that payments are still being made through XX/XX/XXXX on XXXX. On Transunion there are reporting payments made through XX/XX/XXXX. On XXXX they are reporting a XXXX on XX/XX/XXXX and payments made through XX/XX/XXXX. 

Incorrect payment status across all three bureaus. 

Account status is inconsistent across all three bureaus. 

Closed ( Transunion ) XXXX ( XXXX ) Derogatory ( XXXX ) XXXX refuses to look into it. Credit disputes have not helped. 

Please remove this fradulently and illegally reported information.

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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Vehicle was turned back in on XXXX, XXXX. All final settlements and payoff were completed by XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX continues to report that payments are still being made through XX/XX/XXXX on Equifax. On XXXX there are reporting payments made through XX/XX/XXXX. On XXXX they are reporting a XXXX on XX/XX/XXXX and payments made through XX/XX/XXXX. 

Incorrect payment status across all three bureaus. 

Account status is inconsistent across all three bureaus. 

Closed ( XXXX ) XXXX ( XXXX ) Derogatory ( Equifax ) XXXX refuses to look into it. Credit disputes have not helped. 

Please remove this fradulently and illegally reported information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Vehicle was turned back in on XXXX, XXXX. All final settlements and payoff were completed by XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX continues to report that payments are still being made through XX/XX/XXXX on XXXX. On XXXX there are reporting payments made through XX/XX/XXXX. On Experian they are reporting a Collection on XX/XX/XXXX and payments made through XX/XX/XXXX. 

Incorrect payment status across all three bureaus. 

Account status is inconsistent across all three bureaus. 

Closed ( XXXX ) XXXX ( Experian ) Derogatory ( XXXX ) XXXX refuses to look into it. Credit disputes have not helped. 

Please remove this fradulently and illegally reported information.

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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
someone fraudulently opened a credit card in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I received a letter from my mortgage company ( mr cooper ) that they were missing proof of insurance from XX/XX/XXXX to XX/XX/XXXX. In response to this, I called my insurance agent and had the agent send over the required proof of insurance about two weeks later I receive another letter that states they still do not have proof of insurance for that time period, I have attempted to contact the mortgage company via a chat session ( which referred me to call the company ), then two separate phone numbers XXXX and XXXX. I was unable to reach a person on either number, the mortgage company apparently makes it impossible to reach a human ( I am sure this is on purpose ). I then emailed the proof of insurance to them at XXXX. The amazing part of this whole problem is I have a mortgage escrow account that is supposed to pay the insurance and according to what I have previously received from the mortgage company, it was in fact paid. Therefore, either the mortgage company paid the insurance or they stole money out of my escrow under the deception that it was for my insurance. I will attempt to upload the letter from the mortgage company , the email from me, and the actual proof of insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: IA

Complaint narrative:
Recieved a call regarding debt and being sent to collections for a debt I have not received any information on. Debt is apparently 10 days old and was contacted by a collection agency. 

No email, physical invoice, or details were provided in any way to let me know I needed to pay this. 

An auto collection was taken from my account 16 days prior for an invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: CA

Complaint narrative:
Property Management : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX The debt is for apartment lease. First of all, I tried my best even before I move out to get a statement ( sent emails, registered letters by XXXX, handed letters to the office ) from the property management to pay, but because of their miscommunication and carelessness, I received a statement after XXXX months accompanied with annoying calls from a collection agency. The property management by the community XXXX offered me a settlement payment, it's overcharge but I paid to end this issue. The agency keeps frequently sending me short missed calls, and when answers, they threaten me to report my credit file and go to court. I told them many times that I settled my payment but they still threatening me and lastly asked me how much did I pay to the property! They call me while driving, eating or working and within meetings, they rudely speak and disturb my day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
Spoken with All Creditors and Bureaus in question to remove Accounts that were fraudulently opened on my credit report. 

Sent multiple FTC reports to XXXX, XXXX, and XXXX in regards to Identity theft. These accounts were never Removed. Ive called every day to follow up with each company for the last two weeks after initially starting the disputes in XXXX. I received Not much changes. 

XXXX has removed some accounts ( XXXX XXXX  ) for fraud while XXXX and XXXX still report inaccurate information that came from fraud. 

I have sent mail as well as uploaded my documents to XXXX. They claim theyve never received the documents I mailed. I asked if they could have a person manually review my Documents because they do highlight fraud on my account and the response from XXXX representatives was that this was not possible. 
I then asked if my contactual agreement between XXXX and myself allowed me to request manual review of my documents, the rep responded yes but could not complete my request as their companies policy allows for A.I. machine to review and place a determination on my report. I said to the Manger who I spoke with from XXXX earlier today that I didnt ask for a robot or machine to review my documents. She then told me it was nothing that could be done. She left me one option which was to set aside time again and reprint the documents to have them taken to the post office for Mail when I fully explained that I have done this in the past and have receipts to prove this. I was instructed on the phone by a representative to upload my documents to the online portal where they would be reviewed. The agent never specified that it would not be reviewed by a person in which it was clear in the conversation that a personal review is what I was looking for. I also explained I am going up for a mortgage have kids and am being affected daily by my consumer report with is filled with Fraud that I need a manual review so my decision can be delivered in a reasonable amount of time that doesnt allow for me to miss the opportunity to mortgage my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Admin Recovery, LLC
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX Ct XXXX XXXX, NV XXXX Subject : Complaint against Admin Recovery LLC Dear XXXX, I am writing to file a complaint against Admin Recovery LLC XXXX who I believe has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

The debt in question has not been properly verified by Admin Recovery LLC, despite my request for verification. The details about the original debt and the amount owed have not been clarified to me. 

On multiple occasions, the agents of Admin Recovery LLC have refused to send proof of the debt, stating they will not settle even though I have sent a letter to that effect. They have also disclosed information to a third party, which I believe is a violation of my rights under the FDCPA. 

Furthermore, once I had informed them about filing a complaint with the FDCPA, the agents stated they would no longer communicate with me. They refused to assist or accept payment and threatened to negatively impact my credit score. 

I believe these actions are violations of the FDCPA, which requires debt collectors to provide verification of the debt, prohibits disclosure of debt-related information to third parties without the debtor 's consent, and outlines fair and respectful treatment of consumers. 

I respectfully request that the CFPB investigate this matter and take appropriate action. Please inform me of any steps I need to take to assist in this process. 

Thank you for your attention to this matter. 

Sincerely,

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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These credit bureaus are reporting this information incorrectly and frequently. This account was paid in full XXXX of 2020 with no late payments and I sold this vehicle to XXXX XXXX dealership in good standing. I will be attaching support evidence of my claim and Im asking that any derogatory marks and negative marks be removed from my credit report 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 non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation