vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-06 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am a victim of identity theft. In XX/XX/2024, after reviewing my credit report, I noticed several unauthorized accounts. I disputed these accounts with the credit bureaus, and TransUnion removed them. 

However, on XX/XX/2024, I discovered that the XXXX XXXX  XXXX XXXX accounts, which should have been removed, were reinserted into my credit report. This re-insertion indicates a violation of the Fair Credit Reporting Act ( FCRA ) by TransUnion. 

TransUnion has breached the following FCRA provisions : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Failure to notify me within five business days about the reinserted accounts, 15 U.S.C. 1681i ( a ) ( 5 ) ( C ) : Failure to provide certification that the reinserted accounts are accurate, 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation of the reinserted accounts, I demand the immediate removal of these accounts from my credit report. Please be aware that failure to correct these violations could result in damages of at least {$1000.00}.

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 2024-09-06 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2024-09-06 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: OK

Complaint narrative:
I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal and both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I am also aware that the advertisement or publication of a sale or selling of any debt to coerce payment is also known as debt parking in accordance with findings from the Federal Trade Commission and reporting this alleged debt to the consumer reporting agency without validating it with I, the consumer, first is a violation of 15 U.S.C. 1692d ( 4 ). Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the Fair Credit Reporting Act. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states Reporting information with actual knowledge of error, 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. TransUnion, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 15 U.S. Code 1681n ( a ) ( 1 ) states Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. 15 U.S. Code 6802 ( b ) Opt out ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never given an explanation. 15 U.S. Code 1681o ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

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 2024-09-06 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: OK

Complaint narrative:
I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal and both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I am also aware that the advertisement or publication of a sale or selling of any debt to coerce payment is also known as debt parking in accordance with findings from the Federal Trade Commission and reporting this alleged debt to the consumer reporting agency without validating it with I, the consumer, first is a violation of 15 U.S.C. 1692d ( 4 ). Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the Fair Credit Reporting Act. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states Reporting information with actual knowledge of error, 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. XXXX, XXXX, and Equifax do not have my consent to furnish this information and they surely do not have my written consent. 15 U.S. Code 1681n ( a ) ( 1 ) states Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. 15 U.S. Code 6802 ( b ) Opt out ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never given an explanation. 15 U.S. Code 1681o ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Good morning, I found this bug which lead to me losing XXXXXXXX XXXX in fees from a wire transfer failing to go out. 
The bug exists on XXXX XXXX XXXX XXXX XXXX XXXX  and I tried on multiple computers, however its slightly different behavior on the different browsers. 

The issue exists on the status tracker page, I sent a test transfer to make sure my landlord received the transfer and on receipt I scheduled an additional transfer by copying the account and routing number from this page. This is what caused my failure. if you click on a completed wire transfer status, it will bring up the information of the transfer. 
Selecting the account number by double clicking ( on my wife 's computer ) or triple clicking ( on mine ) will cause extra data to come into your clipboard. For chromium based browsers it will cause the first character of the account number to be appended on to the account number. For XXXX, it will cause the account number to be appended again with spaces in between each character. 
Account Number : XXXX XXXX  : XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Yes, I admit, I should have validated this information again or manually entered it, however, this information was copied from the ally website from a valid transfer that I confirmed went to the right location. 

I have spent XXXX hours trying to report this bug to ally bank ( XXXX phone calls and a chat ) they deny there is any bug with the wire transfer but don't have a way of testing the status tracker page. I was only able to get the XXXXXXXX XXXX fee that they charged refunded as a " courtesy '' not them acknowledging the bug. 

These transfers happened on XX/XX/XXXX and XX/XX/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 monetary relief
Consumer complaint received 2024-09-06 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: MO

Complaint narrative:
I am not associated with the mentioned creditors, and the inquiries on my report are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 2024-09-06 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:
Hey, why do you keep reporting false and inaccurate information on my credit report? This is stressing me out and it's a clear violation of my rights as a consumer. You keep on ignoring, denying and disregarding my requests in correcting these errors. This is affecting my life negatively and is detrimental on my mental health, also, my credit score took a hit because of the mistakes on your end.

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 2024-09-06 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:
Hey, why do you keep reporting false and inaccurate information on my credit report? This is stressing me out and it's a clear violation of my rights as a consumer. You keep on ignoring, denying and disregarding my requests in correcting these errors. This is affecting my life negatively and is detrimental on my mental health, also, my credit score took a hit because of the mistakes on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Regarding Paid Off Loan account with XXXX XXXX Dear CFPB Team, I am writing to bring to your attention an issue I encountered while attempting to dispute an account with TransUnion. I reached out to their dispute department regarding an account that has been paid in full, and I believe it has not been updated accordingly in my credit report. 

Despite my efforts to provide the necessary documentation proving that the loan was paid, I have not received a satisfactory resolution to my dispute. 

I kindly request your assistance in resolving this matter with TransUnion to ensure that my credit report accurately reflects the status of this account. I have attached copies of relevant documents, including payment confirmations and correspondence with TransUnion for your reference. 



Sincerely, XXXX XXXX XXXX Still Hasn't seen an update

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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
I just started a new job a few weeks i had asked kia finance how much i needed to pay to stop the repo they refused to tell me anything so i made my normal car payment in hopes to prevent it but they decided it was not enough and they came in the middle of the night to repo the car and now will not return the car or the funds so i can get another one

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 2024-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I pulled a credit report and found these items on it disputed them with the companies already and still nothing been resolved. 

opened XXXX XXXX balance {$960.00} balance but its closed already opened XX/XX/XXXX XXXX XXXX with a balance still open opened XX/XX/XXXX XXXX XXXX with a smaller balance still open I called the banks and reported them as fraud. Please help to get them off my credit reports the banks said they will proceed to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: MO

Complaint narrative:
These inquiries do not belong to me, nor do I have any connection to the creditors listed.

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 2024-09-06 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: AZ

Complaint narrative:
Subject : Identity Theft Complaint Unauthorized Accounts with XXXX XXXX and XXXX XXXX To Whom It May Concern, I am writing to file a complaint regarding identity theft involving unauthorized accounts opened in my name with XXXX XXXX XXXX XXXX and XXXX XXXX. I have also included an Identity Theft Report to support my claim. 

Details of the Complaint : 1. XXXX XXXX XXXX XXXX Account : An account was fraudulently opened in my name under the account number XXXX with XXXX XXXX XXXX XXXX on XX/XX/XXXX. I did not authorize or apply for this account. 
2. XXXX XXXX Account : An account was also fraudulently opened in my name under the account number XXXX with XXXX XXXX XX/XX/XXXX. I had no knowledge of or consent for this account. 

Supporting Documentation : Identity Theft Report : Enclosed with this complaint is my Identity Theft Report, which details the fraudulent activities and confirms my claim. 
Credit Reports : I have included my credit reports from XXXX, TransUnion, and XXXX showing the unauthorized accounts. 
Correspondence : Documentation of my communications with XXXX XXXX XXXX XXXX and XXXX XXXX, where I reported the fraudulent accounts. 

Request for Action : I request that the Consumer Financial Protection Bureau ( CFPB ) assist in resolving this matter by ensuring the removal of these fraudulent accounts from my credit reports and facilitating further investigation into these incidents of identity theft. 

Contact Information : Full Name : [ XXXX XXXX XXXX ] Address : [ XXXX XXXX XXXX XXXX, XXXX ARIZONA, XXXX ] Email : [ XXXX ] Phone Number : [ XXXX ] Thank you for your attention to this urgent matter. I look forward to your assistance in addressing these fraudulent activities and correcting my credit reports. 

Sincerely, [ 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 2024-09-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: BlueChip Financial
State: FL

Complaint narrative:
A individual claiming to be a mediator for a company I did business with years ago and paid the debt off, contacted me. He claimed to be with XXXX XXXX XXXX XXXX attempting to resolve a civil complaint against me out of court. Their phone number showed up as XXXX. 

When I stated the debt I had with the company he supposedly was representing was paid off, he said he didn't know what to say because he had the information in front of him. I asked for written documentation, and he said I received it in XXXX. I disputed this because the loan was never originated until XXXX, so I knew his claims were false and he was trying to scam me out of a lot of money. I asked once more for documentation and the question was ignored. 

I also asked for his license number, since he is supposed to provide one if he is a legitimate debt collector. He stated he didn't have to disclose that information to me. Then the line went silent and he hung up on me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation