vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-21 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:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-06-21 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: LA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-06-21 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with Calrity Services . Please prioritize this matter for prompt action. I have tried to email them, at Clarity Services XXXXXXXX, a part of Experian Consumer Support Division XXXX XXXX XXXX XXXX, TX XXXX But I am not getting any response or completion of my request. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: AL

Complaint narrative:
Please remove and block. 
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask that they be removed. You must take immediate action to delete this false information from my files.

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 2024-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion, XXXX, & XXXX continue to state they have verified this allege child support account when I know its incorrect. I would like to know the details explicitly on how they verified this information when I called the support office and they stated they have not spoke to no representative to confirm this information. This is my final attempt at removing this account before I sue and use every complaint filed as evidence I have repeatedly asked for the method of verification on which they determined this information was indeed correct.

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 2024-06-21 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: DE

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-21 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: DE

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-21 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: SC

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
i didnt aply for credit on a citi bank credit card, shop ur way or wayfair credit card, try to call wayfair and shop ur way, and didnt get an agent to stop the fraud.

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 2024-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ULRS, Inc.
State: AZ

Complaint narrative:
I received a letter the first time from ULG United Legal Group on behalf XXXX XXXX XXXX for XX/XX/2022 in the amount of {$300.00}. Im not sure where this amount of fee is coming from or even the fee itself. I am disputing this. 

On Friday XX/XX/XXXX am I went on XXXXXXXX XXXX to search for a XXXX  to put up XXXX lights on my house. I reached out to three different groups three different companies called me back with a price. The female employee from XXXX services booked me for Saturday. She asked if I were calling around I said I was to see the prices. She was very pushy. No disclosure agreements fees anything signed off on the application was ever done. No XXXX hour penalty fee was informed or XXXX agreed-upon again, this was less than XXXX hours even if it was that and if there was a fee for a cancellation, I would never have a greed to hire them Before the end we of the day ( before XXXX ) my husband started his workers can put up the lights for free stated the installation for more than XXXX dollars to put up the lights is ridiculous. I called XXXX XXXX. They did not answer. I called and left them a message. In the morning, I called three other times and left a couple other messages. In the morning they had the man arrived at the same time the female employee called me XXXX, she was in the shower. She did not get the message till now and he was already on his way. I informed her I do not need their services. The female employee stated she was going to charge me for the services anyway. I stated to her I would not pay for services that were not done. I did reach out to her yesterday and all morning long. I stated no cancellation fees were agreed on. No disclaimers were made. I did not sign anything. It is not my fault she is incapable of doing her job by answering the phone to notify the job was canceled for her employee. I am not the fall guy for her mess up. 

The owner of Handyman services company should have some sort of accountability for his or her actions and work on better on their communication. 
Handyman services should make their customers aware of fees, stipulations before services are agreed-upon and scheduled. Documentation or a legal recorded verbal agreement Must be signed or completed by the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 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: IL

Complaint narrative:
XXXX was not the original creditor but acquired the loan from XXXX XXXX XXXX XXXX XXXX whom was shut down. The credit union was shut down abruptly due to their negligence and not following laws pertaining to loan qualifications and fraudulent transactions within their company. This affected many consumers as they were shut down without consumers having any notice. There was no way to pay on the loans and nobody informed consumers for the longest time as to what happened with the loans or where to make further payments. This put a hinder on my credit and as time went by with the XXXX XXXX XXXX XXXX being closed and not knowing where to make payments etc and the fraudulent activity made by the credit union had my account balance building up quickly and past due amount built up to where being so far behind was hard to catch up. State bridge acquired this account knowing the circumstances as it affected many people. They reported negative information on my credit report once they acquired the account. I feel that this was not fair to have these negative remarks due to unfortunate circumstances caused by the XXXX XXXX XXXX XXXX XXXX and their fraudulent behaviors. This has hindered me in moving forward financially from this situation. I should not be punished and I have reached out and made a claim against XXXX XXXX XXXX XXXX but now that state bridge inherited these accounts I need state bridge to make this situation right on their 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 non-monetary relief
Consumer complaint received 2024-06-21 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: SC

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 informationisinaccurate.

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 2024-06-21 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: PA

Complaint narrative:
I think FCRA 605B obliges us to eliminate any incorrect accounts from my credit report. Could you examine the documents? There are some accounts listed with inaccurate reporting, amounts, and dates.

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 2024-06-21 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: IL

Complaint narrative:
XXXX was not the original creditor but acquired the loan from XXXX XXXX XXXX XXXX XXXX whom was shut down. The credit union was shut down abruptly due to their negligence and not following laws pertaining to loan qualifications and fraudulent transactions within their company. This affected many consumers as they were shut down without consumers having any notice. There was no way to pay on the loans and nobody informed consumers for the longest time as to what happened with the loans or where to make further payments. This put a hinder on my credit and as time went by with the XXXX XXXX XXXX XXXX being closed and not knowing where to make payments etc and the fraudulent activity made by the credit union had my account balance building up quickly and past due amount built up to where being so far behind was hard to catch up. XXXX XXXX acquired this account knowing the circumstances as it affected many people. They reported negative information on my credit report once they acquired the account. I feel that this was not fair to have these negative remarks due to unfortunate circumstances caused by the XXXX XXXX XXXX XXXX XXXX and their fraudulent behaviors. This has hindered me in moving forward financially from this situation. I should not be punished and I have reached out and made a claim against XXXX XXXX XXXX XXXX and filed a complaint against the credit union but now that XXXX XXXX inherited these accounts I need XXXX XXXX to make this situation right on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: AL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: KEYCORP
State: OH

Complaint narrative:
On XX/XX/year>, XXXX XXXX sent a {$270.00} XXXX payment to my bank ( Key Bank ). When the payment was sent and could have been made available. Key bank chose not to. I have not yet received my funds as XX/XX/year>. I spoke with Key Bank customer service representative and their XXXX representative at least XXXX times. A first Key bank kept claiming that the request had been suspended and I was told to have my payee file a dispute with their bank. They kept claiming that they had not received any funds from XXXX to deposit into my account. The payee called his bank, and it was confirmed 3 times that funds were release and sent to Key Bank. Called Keybank to give them confirmation number and then I was told that they have to verify the funds to avoid fraud and my deposit won't be available until XXXX to 5 days and there is nothing that can be done. I was accused of participating in fraudulent transaction. although I have always used XXXX with Key Bank and there was no evidence of that. They used XX/XX/year> as an excuse and I explain funds are transfer all the time on holidays per XXXX. Keybank violated the funds availability promised implemented by XXXX agreement and created undue hardship and stress for my family and me. I still do not know when or if I will receive the money. Key Bank has dealt dishonestly and needs to be fine and held accountable for their actions creating a problem for no reason at a only to abuse their customers and their power.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: U.S. BANCORP
State: MN

Complaint narrative:
I am a multiple year customer and a good one with US Bank. 

I was attempting to purchase a car and placed a XXXX check drawn on XXXX XXXX XXXX from XXXX XXXX XXXX into my account. This was a certified check. The teller told me the funds would be available that day, instantly. Instead of depositing the check immediately, the teller waited until after XXXXXXXX XXXX  to finalize, or something along these lines. None the less I thought the money was in my account. It was not. 

When I called in to figure out what was going on the agent told me that they placed a hold on the check for 9 days and that I was a high risk customer. When I inquired why that would be, she changed the subject and then eventually disconnected the call. When I called back I was told that they were sorry but there was nothing they could do and that's the policy. SO my payment to the auto dealership was returned and reported to XXXX as a bad check. The bank also refuses to remove the XXXX fee. I did not write a bad check and due to this I have now lost the car I was going to buy as the dealership will not do business with me. 

This is a huge issue for me and not only am I now DAMAGED emotionally, I also have no car and no way to get to work to make a living. I will be suing unless US Bank will pay damages. I will also be forwarding this to the local media as well as making the BIGGEST stink in the world about it as is my prerogative. Legal discovery will commence as soon as this

has been filed with the CFPB. Your teller lied to me and now I have no car, fees, and I may lose my employment. All due to US Bank.

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 2024-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
I received a loan for a vehicle through Bridgecrest. I do not receive a paper monthly statement to see the interest rate and breakdown of interest and when I log online to look, there is no interest rate posted for my loan. When I call, they say the interest rate is not viewable through the online portal. While this is not a variable rate loan, I should be able to confirm the appropriate rate is being used to calculate my interest without having to call in since they don't send paper statements.

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