vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-09 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: CT

Complaint narrative:
This Complaint is Regarding Several Fraudulent INQUIRIES listed on my TRANS UNION Credit Report. I have reached out to both TRANS UNION and the companies in Question, each resulting in no assistance or clarity. Please see the listed Companies in question below. 
( 1 ) XXXX  XXXX XXXX date listed; XX/XX/XXXX ( 2 ) XXXX - Credit Dept date listed; XX/XX/XXXX ( 3 ) XXXX  date listed; XX/XX/XXXX ( 4 ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX date listed : 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 2024-02-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I filed for XXXX XXXX because I'm having a hard time making such large payments. when i took out this loan XXXX years ago my monthly payment was {$600.00}, and now with the interest rate hike its over XXXX!!!!!!!!!!!! i got an approval letter with an offer of XXXX XXXX  monthly payment!!!!!!! when trying to call and explain my situation i reach people who sit in XXXX which have no idea what's flying, tried reaching out to them so many times but there is no one to talk to

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: NC

Complaint narrative:
I have excellent credit and in XXXX I applied for a credit card with XXXX XXXX XXXX. They denied my credit application and told me to try again in XXXX when my score may be better ( it's already excellent! ). On Saturday, XX/XX/XXXX, I applied again. I was denied. I applied for an XXXX card with XXXX instead and was accepted but I realized it was not the card I wanted. I called XXXX by XXXX to upgrade the credit card I had applied for. XXXX said I would have to cancel the first card and reapply for the XXXX XXXX that I wanted. I asked them to cancel the card ( which I had not even received yet ) and told them I would reapply. Once I did this, I reapplied for the XXXX XXXX XXXX card. They denied me and told me I had applied too many times and would have to wait 48 months!!!! What the XXXX? Now my TRANSUNION HAS downgraded my score because I took ADVICE of these credit card companies and I can't get a XXXX airline mileage credit card! Everything works against the consumer with these credit card companies and no one is overseeing them properly. Is anyone with a little bit of common sense reviewing these credit scores and making a determination as to whether they are fair?

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 2024-02-09 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: DC

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXXt inquiries on my 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 2024-02-09 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: IL

Complaint narrative:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

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 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Opted for a XXXX XXXX  APR interest from Capital One and opened a account with a XXXX XXXX  APR End date of XXXX. 

Paid all my outstanding balance on XXXXInspite of all the payments done was charged {$100.00} as interest for outstanding payments. 

When enquired they mention the XXXX XXXX  APR ends on XX/XX/XXXX XXXXTold them that we have the official email from Capital One that the offer ends on XXXX. 

Inspite of their official email they still charge the interest which needs to be refunded and avoid this capital one 's behaviour. 

secondly one of the unique practise is they never publish their XXXX  % APR end date on their Statements which other banks do which clearly alerts the customer to make the payment at the earliest to avoid interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Regional Management Corporation
State: TX

Complaint narrative:
Receiving harassing call notifications from family and spoofed number tactics to repeatedly call. Informed due to hippa compliance i can only discuss patient information, not personal phone calls at work. XXXX proceeded to harass about debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: NV

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-02-09 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was told from XXXX regarding a claim for unemployment that I was a approved for was funded and told to call a Bank of America XXXX number given to me. Once I called I was told that there were multiple transactions and claims made without my acknowledgment. After hearing of all the transactions and claims that were made with the card I was told to put in a claim. Ive done everything they have asked including sending in credentials Drivers License. Ive been sent documents of the evidence they used to make decision and feel that the decision should be rewarded of my favor from atm footage. Ive also been told by representatives they dont know why the claim is being denied from the footage they see comparing to my Drivers License or the order of how the claims are being decided when they are all apart of the same XXXX  case. Since then my dispute keeps getting denied and I am concerned because I have done everything that was asked. I am concerned of the whole situation and seeking some type of assistance with this situation. Thank you I am very much in need of these funds and have explained to multiple representatives of my financial hardship with that being said I am very dissatisfied with the efforts put into this investigation.

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 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Ensuring punctual payments, I have never experienced delays on this account. I'm unsure why there are indications of late payment remarks on my accounts.

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 2024-02-09 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: IN

Complaint narrative:
I received a Promotional Offer from XXXX XXXX an when I went online to review what amount was being offered, a screeen popped up and published the following info : Looking up your offer won't affect your credit score. I reached out to XXXX XXXX and I was told to provide my Bank Stmts, and I told them No. I was then told the offer I qualified for was denied, because I did not provide my Bank Stmts. I retrived my Equifax Credit Report and was I had a Hard Inquiry on my Credit Report and I lost 2 points. 

I filed a compliant with Equifax, and they informed me that XXXX XXXX refused to remove the Hard Inquiry. Please see the following documents attached : XXXX XXXX Promotional Offer ; the published notice that my credit would not be effected ; the Offer from XXXX XXXX, and the response from Equifax. 

XXXX XXXX is publishing false information, to Consumers, and effecting their Credit, they are also requiring Bank Statements, that they are not entitled to, if they want to verify Income, or as I was told a Mortgage Payment, they should have reached out to the IRS or my Mortgage Company. Unbeknownst to them, my Mortage Payment comes from my Investment Account, not my personal checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: NC

Complaint narrative:
These three cases are currently in legal litigation/court, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX in the amounts of XXXX XXXX XXXX XXXX and XXXX $ I have attached ftc report and information XXXX the accounts attached I have also police report of identity theft with XXXX police department XXXX NC I ask that these accounts be removed immediately and fix my credit profile to reflect its correct status due to consumer financial laws

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 2024-02-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This last and final complaint before the matter is taken to District to ask the federal question for violations of the Fair Credit Reporting Act, is in reference to the previous identity theft complaint placed through the CFPB and the email that was received by Experian Information Solutions , Inc on XX/XX/2024 which suggest that I made my request to block personal information due to identity theft in error, WHICH I HAVE NOT. 
Experian Information Solutions , Inc is consumer reporting agency and I, XXXX XXXX XXXX, the federally protected consumer, a natural living being of majority status conducting the style and condition of The Principle and Beneficial Equitable Holder, and not an infant/minor, have the right to make sure my private, non public information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.XXXX XXXX XXXX is XXXX financial institution by definition under that title. 
I am the card holder which was issued to XXXX XXXXXXXX XXXX, so that I can receive a open end account with them ; to receive payments with them and defer. 

Provide strict proof that the alleged creditor is, indeed, the secured partyand holder in due course of the aforesaid alleged original agreement in issueand has an enforceable perfected security interest therein pursuant to and incompliance with the Uniform Commercial Code ( U.C.C. ) Section 9-203, Section 9-204 ( 1 ), and Section 9-305, or equivalent sections of the Commercial Code of New York State OR remove the account immediately as it is a result of identity theft.

I have also opted out and rescinded any authority I may have given XXXX  XXXX XXXX to report about me to any 3rd party, and I have a right to privacy. 

Experian Information Solutions , Inc is also in violation of the previous conditional cease and desist what was attached. 
Please see the following attachments : Exhibit A : Affidavit of Truth/ Cease and Desist. 
XXXX  XXXX XXXX Opt Out Notice Identity Theft Report Power of Attorney, CAF Notice, Fee Schedule Opt Out Notice ( s ) Name Copyright Passport Card Invoice

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 2024-02-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This last and final complaint before the matter is taken to District to ask the federal question for violations of the Fair Credit Reporting Act, is in reference to the previous identity theft complaint placed through the CFPB and the email that was received by Experian Information Solutions , Inc on XX/XX/2024 which suggest that I made my request to block personal information due to identity theft in error, WHICH I HAVE NOT. 
Experian Information Solutions , Inc is consumer reporting agency and I, XXXX XXXX XXXX, the federally protected consumer, a natural living being of majority status conducting the style and condition of The Principle and Beneficial Equitable Holder, and not an infant/minor, have the right to make sure my private, non public information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal informationXXXX XXXX  XXXX is a financial institution by definition under that title. 
I am the card holder which was issued to XXXX  XXXX XXXX, so that I can receive a open end account with them ; to receive payments with them and defer. 

Provide strict proof that the alleged creditor is, indeed, the secured partyand holder in due course of the aforesaid alleged original agreement in issueand has an enforceable perfected security interest therein pursuant to and incompliance with the Uniform Commercial Code ( U.C.C. ) Section 9-203, Section 9-204 ( 1 ), and Section 9-305, or equivalent sections of the Commercial Code of New York State OR remove the account immediately as it is a result of identity theft.

I have also opted out and rescinded any authority I may have given XXXX XXXX XXXX to report about me to any 3rd party, and I have a right to privacy. 

Experian Information Solutions , Inc is also in violation of the previous conditional cease and desist what was attached. 
Please see the following attachments : Exhibit A : Affidavit of Truth/ Cease and Desist. 
XXXX  XXXX XXXX Opt Out Notice Identity Theft Report Power of Attorney, CAF Notice, Fee Schedule Opt Out Notice ( s ) Name Copyright Passport Card Invoice

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 2024-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Capital One Bank charged off my account in XXXX and then sold my non-public personal information to a debt collector, XXXX XXXX XXXX, XXXX in XXXX. Capital One discharged this debt in XXXX and yet XXXX XXXX XXXX has been reporting negative items to my consumer file for the past 3+ years. This has caused a great deal of harm to my quality of life. The law states that once a debt has been discharged, the debtor is no longer liable for the debt and the lender can no longer pursue the collection of the debt. XXXX XXXX knowingly sold my non-public account information after discharging the debt. Not only is this is a violation of the Privacy Act of 1974, but Both companies colluded to commit securities fraud against my SSN and admitted to doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
From what I understand, FCRA 605B says wrong accounts should be taken off credit reports. Please check the accounts in the documents. They're reported wrong on my 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