vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-29 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: CA

Complaint narrative:
The following accounts : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX inaccurate and unverifiable. I have disputed the accounts listed above with transunion and they have failed to verify the accounts. Reporting inaccurate and unverifiable accounts is a violation of my rights according to the FCRA. I would like the accounts above to removed/deleted from credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Complaint # XXXX Equifax Responded back to XXXX saying account ( XXXX XXXX, amount {$4400.00} ) is no longer reporting to my credit report. After investigating the account wasn't removed and still reporting, theyre violating my FCRA rights and law. 
I request to this account be removed from my credit immediately. 
There has not being any response, notification, letter or phone call to correct this from Equifax. 

Account was disputed with Equifax on XX/XX/2022, no responsefor more than 30days. By FCRA laws they need to deleted from credit report. They failed to follow the law Account : XXXX XXXX XXXX : {$4400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I moved into some apartments in XX/XX/2016. The apartments were really rowdy dirty and the property XXXX was on XXXX. I spoke with them asked to move out. They agreed that I could break the lease and move out so I.. after I moved out I spoke with a man that said he was the owner. He called me a XXXX XXXX we got into an argument. He told me well I dont approve of you breaking the lease. I told him we already signed documentation and I moved out of the apartment he was upset because I said his apartments were ghetto and dirty and that I did not live like that XXXX years later it appeared on my credit report. When I called the apartments to get information, she gave me a fake number, XXXX XXXX the company and they did not have any information that they can give me regarding the debt that they claim that I owe. I was never given notification of this debt. I was never made aware that they were trying to come out to me for breaking the lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am closing on a home in a week and need to transfer funds to my title company. Capital One 's system will not authorize the transfer and I can not do it in person. I've had the same phone number and account for over a decade, no issues in the past and they will not authorize me to make a wire transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I have tried to log in to my Chime account for the past 4 weeks and I am not able to access my money, or pay bills. I have been on the phone with customer service no less than 6x and each time they state they must elevate to their tech support department and response times are 24*-48 hr. To date no one from Chime has ever contacted me. My last call to them was exactly 98 minutes and no solution, just the same old we are submitting the problem and someone will be getting back to you in 24-48 hours. I'm late on all my bills and desperate to gain access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: IL

Complaint narrative:
I sent a dispute letter certified mail # XXXX XXXX XXXX XXXX XXXX. The letter was received by Transunion on XX/XX/2022. 

I asked Transunion to investigate every piece of information on accounts I disputed. 

According to 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

Transunion stated that the accounts were verified/updated ( see the response letter from Transunion attached File # XXXX ) but how is this possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts is still not reporting XXXX XXXX percent accurate and according to 15 USC 1681a, everything must be accurate.

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 2023-01-29 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Someone fraudulently opened a XXXX credit card under my name. I did not open any new accounts or have my credit checked. I contacted XXXX and they closed the account. I told them to remove that fraud from my credit report. I then disputed the fraud on my report with all 3 credit bureaus and Transunion twice now just says they verified the account information. It is not me and i want this fraud removed ASAP

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 2023-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These addresses no longer belong to me, i no longer receive mail at this address and have access to this address. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX. This address does not belong to me XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX. I only have one address is XXXXXXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: TX

Complaint narrative:
I am requesting XXXX, XXXX, and Transunion request and provide signed copies of all of the disclosures guaranteed to me as a natural person with rights under 15 U.S.C. 6803 ( a ) while the current reinvestigation is taking place into the accuracy of the account listed below by the credit reporting agencies. 

Account Name XXXX XXXX XXXX Account Number XXXX For reference : 15 USC 6803 ( a ) states ; DISCLOSURE REQUIRED- At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title.

I do not recall receiving any such disclosures. I have requested that I be provided with these disclosures within 15 days the request was sent.

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 2023-01-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am requesting XXXX, Equifax, and XXXX request and provide signed copies of all of the disclosures guaranteed to me as a natural person with rights under 15 U.S.C. 6803 ( a ) while the current reinvestigation is taking place into the accuracy of the account listed below by the credit reporting agencies. 

Account Name XXXX XXXX XXXX  Account Number XXXX For reference : 15 USC 6803 ( a ) states ; DISCLOSURE REQUIRED- At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title.

I do not recall receiving any such disclosures. I have requested that I be provided with these disclosures within 15 days the request was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Finance of America Holdings LLC
State: CA

Complaint narrative:
Claim department I have forwarded my insurance claim money to the mortgage company and they received it on XX/XX/XXXX as yet XX/XX/XXXX they have not sent me the money that is owed to me and my XXXX. I call almost everyday and get a different answer. They dont communicate if information is missing, I call everyday almost. Mailed to the wrong address, returned, shredded and 5 days to reissue. That was the story on XX/XX/XXXX still not sent or receivedIm beyond frustrated, this has affected my health and well being I not only want this money forthwith I want something for the injustice and their lack of consideration and incompetence.

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 2023-01-29 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 — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: OK

Complaint narrative:
Someone fraudulently opened a Barclays credit card under my name. I did not open any new accounts or have my credit checked. I contacted Barclays and they closed the account. I told them to remove that fraud from my credit report. I then disputed the fraud on my report with all 3 credit bureaus and XXXX twice now just says they verified the account information. It is not me and i want this fraud removed ASAP

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 2023-01-29 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Someone fraudulently opened a XXXX credit card under my name. I did not open any new accounts or have my credit checked. I contacted XXXX and they closed the account. I told them to remove that fraud from my credit report. I then disputed the fraud on my report with all 3 credit bureaus and XXXX twice now just says they verified the account information. It is not me and i want this fraud removed ASAP

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 2023-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These addresses no longer belong to me, i no longer receive mail at this address and have access to this address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address does not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I only have one address is XXXX, FL 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 2023-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These addresses no longer belong to me, i no longer receive mail at this address and have access to this address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This address does not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I only have one address is XXXX, FL XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29 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: AL

Complaint narrative:
I have tried to contact TransUnion, XXXX, And XXXX concerning my credit report. They have told me there were nothing they can do. I have inquiries and accounts ( listed below ) that are not mines. Under the Fair Credit Reporting every violations ( listed below ) Im guaranteed XXXX per violation. The accounts that need to be removed are Both XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX ( Both XXXX XXXX  ACCOUNTS ) its been passed over due and I paid the accounts in full and its closed I dont need the use of the accounts anymore. I want it to be removed. The XXXX Account should removed its been closed and I no longer use of it and it needs to be removed. I have no knowledge of XXXX XXXX XXXX account and the XXXX XXXX Account and needs to be removed please. XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX needs to be removed due to no knowledge of my account. If they are closed they need to be removed. The inquires that need to be removed due to no knowledge of them are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The violations that happened to me are 1 ) All Credit Bureaus are not updated on credit reporting. 2 ) Refusing to updated and removed false information from credit report. 3 ) Each credit Bureau have different information from one another. 4 ) I provided them with proof and they still refused to remove false information. 5 ) They did not take their time to go over my credit report. I have 5 violations that was done to me by TransUnion, XXXX and XXXX. Meaning I should be getting a check for {$5000.00}.

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 2023-01-30 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 following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681 602 A which states that I have a right to privacy. 

Also, they have violated my rights under The Financial Privacy Act of 1978 and credit denial in violation of 15 USC 1681a ( k ). This entity also violated 15 U.S. Code 1602 ( p ). 

Also violating 18 USC 894. Using my XXXX without express written consent in violation of O.C.GA. S 16-9-93.1 Names Reported : XXXX XXXX  and XXXX  XXXX XXXX XXXX XXXX have violated my rights and restraint of trade in violation of 15 USC 1 and 15 USC 2.

Additionally, it clearly states under 15 USC 1681 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent.

15 U.S. Code 1681c ( a ) ( 1 ) Section states ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act. 15 U.S. Code 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain any of the following lems 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. Code 1681s-2 ( a ) Duty of furnishers of information to provide accurate information.

( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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 2023-01-29 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: FL

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. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 60a A Section 2 It also states a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antedates the report by more than 7 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 explanation
Consumer complaint received 2023-01-29 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 with product or service terms changing
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, my job position was eliminated. I contacted XXXX and informed them of my unexpected situation. I was given the option to apply for the XXXX XXXX program. On XX/XX/XXXX I received a notification from XXXX of the credit bureaus informing me that my credit score has dropped by XXXX XXXX When I logged into the credit bureau 's website it stated that they've received information from XXXX XXXX, " mortgage balance increased by {$6700.00} from {$250000.00} to {$260000.00}. '' I immediately call XXXX customer service and after much research and speaking to a manager I was informed that the increase was due to shortage in my escrow account. The representative informed me that he was not able to see a change in my principal balance and was not sure why the credit bureau would report that. When asked why was I not connected or informed of the shortage and given the option to bring my escrow account up to current? I was informed that if I have not maybe a letter is in the mail system. The manager then instructed me to take a screenshot of the credit bureau 's report and email XXXX XXXX customer service. On XX/XX/XXXX I received a letter stating that they didn't find any errors. Again in XX/XX/XXXX, a different credit bureau reported the same thing. I contacted XXXX XXXX with a screenshot from now 2 out of 3 bureaus showing this information. On XX/XX/XXXX I received another letter stating that there were no errors found. I was advise to make a payment towards my escrow account until the end of my forbearance period.

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