vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-21 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: NJ

Complaint narrative:
After reviewing my consumer report I've noticed that there are information and accounts that's unlawfully reporting. I reached out to the creditors to verify this alleged debt in which I asked them to provide me the proper documentation that shows this debt belongs to me. They have yet to respond with any documentation proving that this debt is mine. I receive numerous phone calls throughout the day from the creditors seeking payment in which i'm aware that this violates 15 U.S. Code 1692c - Communication in connection with debt collection. Included in this complaint is a copy of my dispute letter in which I ask Transunion to investigate and remove anything that's reporting inaccurate or unverified. By them reporting this inaccurate information I am being negatively affected and my ability to obtain funding or the proper necessities in life are limited due to bad credit. I am aware that in order for any account to report on my consumer report the creditor must have authorization to share my information in which they never had permission. I have no knowledge of who these creditors are and by them reporting anything to Transunion violates my right to privacy. Transunion has proven to report inaccurate information on many people 's consumer report. They were never given the proper consent to furnish a consumer report on my behalf. 


Violations committed by Transunion & the creditors : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1692c - Communication in connection with debt collection

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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There was a hard inquiry on my account that was made XX/XX/2024. I did not request this. I am currently in the process of buying a home so there is no reason for me to risk my credit score during this process. I reached out to XXXX but got no answer in regards to this inquiry. there are no notes nor details on what the inquiry was for. They only advised me to contact the credit bureau for more information. After connecting with them, they also do not know the reason nor notes on the inquiry and advised me to contact the creditor, which I have made numerous attempts to figure out the reason and notes on the inquiry.

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 2024-05-22 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: MD

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 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 2024-05-22 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: MD

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 2024-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
This is my second time reaching out to ASSET CARE LLC to cease and desist all debt collection until dispute has been resolved. See attachment for certified mail tracking numbers to back up my claim of sending dispute letters and to prove ASSET CARE LLC has been put on notice about this inaccurate account reporting to my consumer file more than ONCE. Reporting Medical debt is illegal. The thought of trusting my physician to not share my personal medical file to anyone has left me feeling betrayed. 

The term breach of security means, with respect to unsecured PHR identifiable HEALTH information of an individual in a personal HEALTH record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( XXXX XXXX ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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:
DELETE HARD INQUIRIES In accordance whit the fair credit reporting act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish an account whit out 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 1681 s-2 ( A ) ( a ) 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. Delete the accounts below.

XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-05-21 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: FL

Complaint narrative:
I saw that I have an unauthorized credit inquiry

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 2024-05-22 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:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-05-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I checked my credit report and I am upset about what I found out. There is a late payment remarked on it but I did not incur any late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I checked my credit report and I am upset about what I found out. There is a late payment remarked on it but I did not incur any late payments.

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NY

Complaint narrative:
It is crucial to highlight that this complaint is not an oversight, but a genuine concern about the presence of false and unreliable information on my credit report. These inaccuracies have caused undue stress, and I am experiencing negative effects as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: MN

Complaint narrative:
Hello, My payment cycle with MOHELA is on the XXXX of each month. I paid {$200.00} on XX/XX/XXXX to be posted to my student loans. During this time, they switched website providers. I logged in today and I see that there is no history of my previous payments, and even though the {$200.00} was withdrawn from the Department of Education, it does not show on my account. It shows I still have a payment due on XX/XX/XXXX. 

I did call MOHELA- they initially could not find my payment. Its almost important to note, I never received a payment confirmation email. After spending time on hold multiple times, the agent I spoke to said her team was able to find my payment of {$200.00}. This payment is basically currently lost due to their website provider changes and they have 90 days to apply it to my account. 

However, does this not account for the fact that I still have a payment due on XX/XX/XXXX - which this {$200.00} payment I submitted and was withdrawn from my account. I was told that if I had the funds to re-pay, to do so. Otherwise, no late payments would be reported to the credit bureaus. My payment was not late as I paid on XX/XX/XXXX, they did not provide any other viable solutions. 

I did submit a dispute with XXXX XXXX today and they said it could take up to 10 days to hear back a status. 

Id like it to also be in writing that in my short time with MOHELA this is not my first problem with lack of responsibility and action. When my loans earlier this year were transferred from XXXX to MOHELA, I did not receive proper information. Their website stated for weeks that they did not have my loans. The day after my billing cycle, they were showing I was late. I did not receive a statement, email, or even a welcome letter to know they were my provider - let alone that there was something due. 

I would like MOHELA to refund me my {$200.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am a widow and beneificiary of my deceased husband 's worker 's compensation claim. The Insurance company needs me to sign before a notary public of a " widow 's Affidavit ''. on XX/XX/year>, I walked to Webster bank located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. The Brank manager refused to notarize the affidavit for me because she asked me " since your husband is dead, how can he file a worker 's compensation claim? '' I said as long as he is injured at workplace he can be claimant, no matter he is dead or not. I can show your the Judge 's Decision showing he is the claimant and I am the beneficiary as his widow. She said " I don't want to see it and how do I know you are his widow? '' Then she pointed at my husband 's last name- a XXXX XXXX Name and pointed at my name- a typical XXXX name. I said I can show you the court paper, the death certificate and our marriage certificate. She said " I dont want to see them ''. Then she said " you are not legal and this paper is not legal. '' very loud and in front of everyone. I walked home and brought all the legal papers to her to show the affidavit is legal. She said I need to send all these to " legal ''. I told her I am a notary public myself and the notary rule is 1, physical present 2, valid ID and 3 Competent and capacity to sign. 
She said " you are not competent '' I ask her why I am not competent? I am not stupid or XXXX. She is " because I can't even pronouce your name. '' I thought the reason she refused to notary for me because I don't have an account in Webster bank and I happenly need to open one. since I was in a bank I said " can I open a bank account ''? She said " no. 
We can't open a bank account for you. I can't even read your name. If you don't leave now I will call the police. " I had to ask all my papers back and leave the bank. She said she only gave me back the originals not the copies. I said " if you are not doing the notary for me why do you need to keep the copies? '' then she threw all the papers back to me. I had to pick them up one by one. When I came back home, I noticed one of the very important court order was missing. I went back with police and she said she didn't have it. I lost the valuable court order forever. 
But the reason she KEPT my origianl court documents is very suspicious. It is a very important case law which set up COVID DEATH CLAIM in Workers compensation Board. It has sensitive documents. I am very concern this document will be abused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: GA

Complaint narrative:
Recently I looked at my credit report, and I noticed several inaccuracies with one of my accounts. This account is reporting late payments and different dates for date opened XX/XX/2022, and XX/XX/2022. These inaccuracies are seriously hurting my credit score and my ability to obtain credit. I need this account updated and deleted from my credit score. 

Account Name : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Recently I looked at my credit report, and I noticed several inaccuracies with one of my accounts. This account is reporting late payments and different dates for date opened XX/XX/2022, and XX/XX/2022. These inaccuracies are seriously hurting my credit score and my ability to obtain credit. I need this account updated and deleted from my credit score. 

Account Name : XXXXXXXX XXXX XXXX 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 2024-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX through XXXX XXXX, I contacted a young lady and her boyfriend about fixing my car. XXXX XXXX  XXXX XXXX XXXX. They checked my ac ( because that was the problem ) & they told me it was the compressor. They did not provide me with proof of how much they paid for the part! They just provided me a screen shot from offline stating they have an account with XXXX XXXX store and does not have a physical receipt. ( thats weird because I ALWAYS get a receipt from the auto part store ). I asked for a refund more than once and I was unsuccessful! So I reached out to cash app to help and they did not show any regards for my situation. To make matters worst, they did not ATTEMPT to investigate! They just denied my dispute and asked me to ask the recipient for a refund. Like she was going to give it to me, that was the reason I reached out to cashapp! They can accept your money but not investigate a dispute. Especially it being my FIRST and ONLY dispute with them! They told me its nothing they can do and they refuse to help me. So I need options on what to do next

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-05-21 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: FL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : BBY/CBNA Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TU Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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