vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-19 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: NJ

Complaint narrative:
TransUnion is reporting a account that the company has already agreed to remove back in XXXX. This is a complete invasion and disregard for the consumer privacy under the Privacy Act of XXXX 5 USC 552a. And is a disregard for the expressed CONTRACT already established by the Consumer and the person reporting the information ( a copy of the cfpb complaint place on credit collection service is attached. I shouldn't Have to complain to the CFPB for Transunion and its employees to do the job/ role they assumed. The XXXX XXXX XXXX Account being reporting by Transunion goes against The Fair Credit Reporting Act as well, and it seems TransUnion and its employees want to make up their own rules when it comes to a CONSUMER report, 15 USC 1692a ( 2 ) ( A ) ( i ) transaction history DOESNT belong on a CONSUMER report a copy of that will be attached as well since you seem to not understand it. As I'm sure you are aware of the 16 CFR 313.7 ( f ), I have a federally protected right to opt out of you reporting information at any time and it continuous, I'm expecting not more that 2 days for this to be off of my consumer reporting, DELETED!!! As it should have already been. One of the principles of EQUITY is : Equity recognizes what should have been done as already done!

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX. I became aware that my personal information was impacted the XXXX XXXX XXXX. I noticed unrecognizable accounts on my credit report with XXXX, Transunion and XXXX. I am asking that the following be removed : Inquiries : XXXX XXXX XX/XX/XXXX. Department of Education XXXX. Department of Education XX/XX/XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-04-19 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: MI

Complaint narrative:
On XX/XX/XXXX. I became aware that my personal information was impacted the XXXX XXXX XXXX. I noticed unrecognizable accounts on my credit report with XXXX, XXXX and Experian. I am asking that the following be removed : Inquiries : XXXX XXXX XX/XX/XXXX. Department of Education XXXX. Department of Education XX/XX/XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
HSN Card through Synchrony bank..hsn.syn.com..I purchased lotion on XX/XX/XXXX for $ XXXX made a payment XX/XX/XXXX for {$16.00} and XXXX more payments of XXXX on XX/XX/XXXX, XX/XX/XXXX and XXXX equaling $ XXXXHSN has harassed me since XXXX saying that I owe the last XXXX of $ XXXX have called them, I have sent them proof that the last payment was made in advance so that I could close the account..they keep sending emails that I owe and on XX/XX/XXXX they sent a letter stating I'll be going to collections..I turned them in to XXXX  and in my last email to XXXX asked HSN to stop contacting me, and here we are again with them contacting me. I have XXXX and I want this to stop!! As you can see from their letter..my HSN account # XXXX. I cut up my card so I don't have the card number.

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 2024-04-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
The property owed debit is not supposed to be on my credit and the apartments have sent me the ledger and a email with their letter head stating that the debit is no longer owed and is not valid on XX/XX/2024 and I have a picture of the money order prior to giving the money order to the apartment complex.I then started a dispute with XXXX on XX/XX/XXXX and they stated to that they couldnt resolve my dispute because of the collection agency saying that the debt was valid. I reached back out to the apartment complex on XX/XX/XXXX and she said that she reported to the collection agency that the debt is not valid and should be deleted off my credit report. She advised me to wait 15 days and it should be removed. I waited until XX/XX/XXXX and I reached out to the collection agent. I was advised by XXXX XXXX to submit proof from the apartment complex that the debt was not owed. I submitted the proof that day. Its now XX/XX/XXXX and the debt is still on my credit report as an amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My account is being closed but I can't withdraw money from my account. I received a deposit on XX/XX/XXXX but I didn't withdraw the money on that date. That same day my account was closed by the bank. I couldn't withdraw my money because they said there were open claims on my account. I spoke to the claims department from the bank and they said all my claims were already closed. I told the bank that the claims department said all my claims were closed but they said they couldn't verify it. I didn't understand because how hard could it be to find out if a claim was closed when all the information needed is available to them because they work in the same company. I called several times and kept getting the same response. They were lying telling me I had open claims but all my claims were closed according to the claims department. They now set a closure date for XX/XX/XXXX which would mean I have to go the entire month without any money.

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 2024-04-19 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: NV

Complaint narrative:
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. Attached you will also find my ID and my Proof of Address with my most recent bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: NJ

Complaint narrative:
TransUnion Is reporting on my Consumer Account That My XXXX XXXX Account is CLOSED which is incorrect. This is retaliation for me calling reporting them to the CFPB previously for violation my rights as a FEDERALLY PROTECTED CONSUMER. So they started reporting even more in accurate information to my consumer report, greatly effecting my quality of life, and my ability to contract which is protected by the constitution. As I've already explained to Transunion and its employees that, Information goes against the FCRP. 15 USC 1681a ( 2 ) ( A ) ( i ) information solely as to transaction or experiences between the consumer and the person making the report ARE TO BE EXCLUDED. furthermore, 15 USC 1681 ( a ) requires that the Information be 100 % verifiable and accurate or it has to be REMOVE ( I don't want it removed, THE TRANSACTION HISTORY NEEDS TO BE REMOVED ). Adding on to 15 USC 1681 ( a ) -Accuracy, I am attaching a copy of the inaccurate closed account reporting and the inaccurate amount reporting. The actions of TransUnion and its employees greatly affects the banking systems and the consumers pursuit to happiness. And as far as I'm concerned Transunion and its employees are horrible custodians of the consumer information, with having to pay millions for not protecting the consumers information and horrible at assuming the role congress placed then in for having to pay millions for not following simple instructions of the FCRA. This is the LAST NOTICE before we step in court you can notify XXXX XXXX XXXX apart of your legal team but I'm sure the judge won't look to kindly on someone who clearly violated the laws that GOVERN them. Respectfully.

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 2024-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
i cant get them on phn, made a pymt of XXXX Transaction XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HMF - HMFUSA.com $ XXXX get them on the phn but on acct XXXX made pymt it wont let you bk on to u acct, thier sys is really XXXX up, i dont want any late chg or inst or neg remarks on cr report, pymt out of XXXX XXXX XXXX  acct

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 2024-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing to formally dispute the charge-off account listed on my credit report by your company. Since MACYS oppressive actions deciding to infringe on my personal privacy, this has harmed my general reputation of credit worthiness by furnishing such alleged debt to the consumer reporting agencies. See proof in the attachment labeled as Exhibit A. This constitutes as a violation pursuant to 15 U.S. Code 1692d ( I ) for the use of threat or use of violence or other criminal means to harm the physical person, reputation, or property of any person, Upon receiving this notice, I demand you to CEASE AND DESIST further communication through all mediums, ie : email, text messages, phone calls, consumer reporting agency of any other forms of instrumentality of interstate commerce or mails permanently, regarding such alleged debt in which I refuse to pay pursuant to 15 USC 1692c ( I ). Remove the charged off account from all consumer reporting agencies.

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 2024-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
Mohela transitioned me to their new platform on XX/XX/2024. I received notification via the mail that the new platform was available. I was able to log into the new platform and confirm. 
On XX/XX/2024 I made a conglomerate payment of {$650.00} that was divided between my subsidized and my unsubsidized student loans through the new student portal. 
On XX/XX/2024 the funds from this payment of {$650.00} were drawn from my bank account. 
The payment had not posted by XXXX XX/XX/2024, so I called and was instructed to continue waiting. I called twice a week until XXXX XX/XX/2024 where an 'investigation ' was opened to 'find ' the funds that were withdrawn from my account. My situation was escalated to a 'supervisor '. I called two to three times a week in hopes of an update, as the payment still had not posted to my account. Each call I was met with different waiting times, each longer than the last. 
On XX/XX/2024 another 'investigation ' was opened to 'search ' for the funds. I was once again escalated to a supervisor, who did not help. 
I have called time and time again to absolutely no avail and to no update. The funds are still not posted to my account, thus resulting in the accrual of undue interest. 
At the beginning of XXXX, I logged into Mohela on their new platform and submitted my bank statements. When I called to ensure that my statements were received, I was informed that the customer service representatives could not access them. So I submitted them again, while on the phone, to no avail. I was told to continue waiting, up to 68 BUSINESS days for a resolution. This is unfathomable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: FL

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

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

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

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were not.

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 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2024 CitiBank closed both of my credit card accounts. One account had been open for over 10 years and the other 4 years. I had never missed a payment in that time span and never exceeded my credit limit. I carried a balance on only one of those cards while the other was paid off every month.

CitiBank provided no warning or notice prior to this taking place. Their customer service representatives both on the phone and in the branch could not provide me with any details as to why my account was closed. I was given an address and told to write a letter.

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 2024-04-19 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: CA

Complaint narrative:
XXXX XXXX has ruined my credit, please help me. 
My original mortgage company sold our mortgage to XXXXXXXX XXXX which was the beginning of this nightmare. I kept making my payments timely via auto debt, they kept returning them, I have all the banking documents to prove it, then they reported me to all the credit bureaus, kept trying to charge me fraudulent late fees, when all along returning my payments that I kept making in a timely manner. They kept sending me letters at home harassing me telling me that I didn't have sufficient home insurance, telling me purchase insurance from them or they would drop me for insufficient home insurance, threatening to take me to collection. it's been 1 thing another, told me I have to pay late fees although my checks were sent in timely manner but returned by them. They tried to pull my mortgage payment from my bank from some random account which my bank denied, they tried to charge me with late payment for that too. After spending endless amount of time with their incompetent customer service department they told me to pay all the late fees to stop them from further reporting me to credit bureaus, then they'll refund me all the late fees. Please help me as they are refusing take back the derogatory credit reporting, holding me liable to delinquencies. 
Never before in my life have not paid my mortgage payment on time in 30 years of my credit history, I have always paid XXXX XXXX  well over the amount due monthly for my mortgage payment until this terrible nightmare began. Please help me

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 2024-04-19 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: NC

Complaint narrative:
As a federally protected consumer under the Fair Credit Reporting Act, I am reporting numerous violations of the law by XXXXXXXX XXXX XXXX and all three major credit bureaus ( XXXX, Equifax, and XXXX ). Not only has my nonpublic information been unlawfully reported by XXXX to each bureau against my written instruction, but the information reported includes numerous inaccuracies that require correction. The Privacy Act of 1974 and 15 USC 1681 ( a ) ( 4 ) both require that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Furthermore, according to 15 USC 1681b, any consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. I have not given any instruction to the bureaus to report my nonpublic information. On the contrary, I have exercised my continuing right to opt out of any sharing of my nonpublic information per 16 CFR 313.7 that states a consumer may exercise the right to opt out at any time by mailing an opt out notice to the creditor ( see attached letter sent to XXXX on XX/XX/XXXX of XXXX ). XXXX did not honor my notice when they reported past due payments and an account closure for my XXXX XXXX XXXX. According to 15 USC 1681a ( 2 ) ( A ) ( i ) consumer reports can not lawfully contain information regarding the transactions between the consumer and the person making the report. 15 USC 1681c prohibits the reporting of any adverse items of information ; as such, derogatory reports like late payments, delinquencies, and account closures are in direct violation of the law. Furthermore, all three bureaus list my account as 120 days past due when, according to 15 USC 1666b ( a ), a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Both 15 USC 1681 ( a ) and 15 USC 1681e require consumer reporting agencies to ensure the accuracy of the information they report, and there are numerous discrepancies and inaccuracies between the three bureaus reporting on this account. Equifax reports an account balance of {$16000.00} in XX/XX/XXXX while XXXX reports {$12000.00}. Equifax also reports scheduled payments of {$170.00} for XX/XX/XXXX and {$470.00} for XX/XX/XXXX while XXXX reports {$140.00} and {$340.00}, respectively. Equifax and XXXX show the date of first delinquency as XX/XX/XXXX while XXXX shows XX/XX/XXXX. XXXX reports a past due amount of {$0.00} for XX/XX/XXXX, while Equifax reports {$1700.00}. Equifax shows the account was closed in XX/XX/XXXX, while XXXX and XXXX both report it closing in XX/XX/XXXX. None of the bureaus report this card as Charged Off, and it has been charged off since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: FL

Complaint narrative:
I reviewed my consumer reports and noticed that i had late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of : 2024 Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. I dont believe I was 30 days late from the due date, please investigate and provide me proof for that too.Thanks! Please see screenshots attached :

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