vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-15 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:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-06-15 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: NJ

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NJ

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 that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681 c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-06-15 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX XXXXXXXX 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 of 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 2024-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Comenity CapitaXXXX XXXX Dispute entered via 3 credit bureaus-XXXX. FTC report filed. 

Comenity CB/ UltaXXXX Dispute entered via 3 credit bureausXXXX. FTC report filed. 

XXXX XXXXDispute entered via 3 credit bureausXXXX. FTC report filed. 
. 
XXXX XXXX XXXX- XXXXAccout delete for inaccurate reporting. Then placed back on credit report twice with different dates and amounts. Dispute entered via 3 credit bureaus-04/2022.FTC report filed. 

XXXXDispute entered via 3 credit bureausXXXXFTC report filed. 

XXXXDispute entered via 3 credit bureaus-XXXX report filed. 

XXXX XXXX XXXXXXXXDispute entered via 3 credit bureausXXXXFTC report filed. 

XXXX XXXX XXXXDispute entered via 3 credit bureausXXXX. FTC report filed. 
XXXX XXXX XXXX -- Dispute entered via 3 credit bureaus-XXXX. FTC report filed. 
XXXX XXXX XXXX -- Dispute entered via 3 credit bureaus-XXXX. FTC report filed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 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: OH

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from 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 2024-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I deposited XXXX dollars into the ATM on XX/XX/year> and it did not deposit into my account or give me my money back. This is the second time this has happened and I was told they would fix the issue with the ATM but should also should never use the ATM and why didnt you come in. Why is it an option if their only advice is to not use it. I was told I need to wait weeks yet again for my money to be returned to me which isnt feasible in todays economy. 
Ive wasted hours of my time at this point trying to fix THEIR issue for them when in laymans terms I am the victim of theft. 
The last time this happened I was given several run around and the date in which I would get my money returned was pushed back several times. The ATM is still open with no warning signs, Im baffled how they are allowing that to happen while blaming me for using it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CMG Financial Services, Inc.
State: VA

Complaint narrative:
Bought my house ( XXXX XXXX XXXX XXXX XXXX ) in middle XXXX with XXXX XXXX as the servicer, they would later sell to CMG financial in late XXXX. CMG would later sell back to XXXX in middle XXXX on XX/XX/XXXX I come home to a locked out house from the Sheriffs office. From the limited information I have so far, CMG financial bought my house at an auction in XXXX of XXXX. I have been paying XXXX  this whole time and for other issues not pertaining to this in communication with them via E-mail and phone with XXXX employee XXXX XXXX who handles my case. I have no idea what's going on, everyone told me to call back Monday so they can get files pulled. My family is homeless now and majority of my items seized, even my dog taken to the pound. I received not a single notice about anything during this whole time. XXXX XXXX XXXX informed me they knocked on my door one week prior to let us know we have been evicted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXXXXXX 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 of 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 explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: NY

Complaint narrative:
I got a letter from some company saying I owe them {$650.00}, not only is this fraud and I dont owe this but the letter in the mail i got from the collector he acknowledges that the time period has expired to legally come after me tor the money but that hes going to anyway and also hurt My credit. Ill attach picture so you can read what i received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: IN

Complaint narrative:
I do not owe the current companies. 

XXXX 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 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I do not owe the current companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: MD

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: OH

Complaint narrative:
Back on XX/XX/XXXX, there was fraudulent activity occurring with my checking account. I had to get a new checking account and new debit card. When my bank account and card changes were complete, I immediately updated all sites where my information was maintained, including Discover. 

I made the changes to my account with my financial institution on XX/XX/XXXX ( checking account + new debit card ) and my old account closed on XX/XX/XXXX. 

I made a payment to Discover for {$470.00} on XX/XX/XXXX. Keep in mind, my new account number was already updated. 

On XX/XX/XXXX Discover 's site says " RETURNED XXXX XXXX  '' along with " RETURNED XXXX XXXX '' for {$30.00}. 

Once I noticed that the returned payment and fee was applied to my Discover account, I contacted them immediately. I had PLENTY of funds in the bank to pay. They told me that the reason it rejected was because the system application they use takes XXXX billing cycle to acknowledge new payment updates. 

Discover refunded me the {$30.00} " return '' fee, however, the charges on my Discover account that I initially paid ( for the {$470.00} ) hit past due TWICE in the months of XXXX and XXXX according to XXXX! My XXXX XXXX dropped XXXX points in XXXX month alone. Now, I don't know how many of those points actually pertain to this matter but I am certain they make up for more than half of the XXXX. I just spoke with a credit bureau and they said they can not determine individual points on a more granular level. 

Regardless, I have attempted to have this resolved MULTIPLE times over the phone with Discover and everyone refuses. I am not sure why. I called them yesterday on XX/XX/XXXX and told them that if they didn't validate for me this last time that I was going to report them. Again, to no avail, we got to a point where they were unwilling to share information ... MY INFORMATION, WITH ME! 

For purposes of this matter, I am disputing the credit reporting from Discover and request that they validate the derogatory information that was sent to the credit bureaus and have it reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: MD

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and 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 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and 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 2024-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I deposited a check on XX/XX/XXXX was told that I would have my funds by XXXX XXXX on XX/XX/XXXX was told by multiple bankers that I could talk to a supervisor and get my funds released and was told that there's nothing they can do to help me it is a payroll check and I know those are not supposed to be held

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax refuse to update information to its third parties. The third parties has all the wrong information and can not update until equifax updates them. its been over a year and these vendors and equifax are blamming each other while i get denied credit, housing

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
This is in regards to a private student loan ( {$20000.00} ) from Navient. I applied for this loan in XX/XX/XXXX when I was in graduate school for which I had a co-signer. In XX/XX/XXXX, my co-signer filed for bankruptcy and, through the procedures, half of the balance at the time ( appx. {$14000.00} ) was automatically paid off. Since, Navient sent me emails with {$0.00} due and explained that a large payment constituted a payment ahead of the schedule and it was no longer due for a while. I had never ( and have still never ) experienced such a large payment situation and I did not understand what that meant. I figured when payments resume I can just make normal payments ( principal + interest as before ). Because this occurred shortly before the COVID pandemic, I tried to balance out the challenges that came with that and believed their recurrent emails that constantly showed {$0.00} due ( no interest payments required or suggested were every mentioned ). In XX/XX/XXXX, payments restarted and I called to inquire about paying additional every month towards my principal so I can expedite the loan payment. At this time, Navient refused to allow me to make any payments towards the principal until I first paid the interest accrued since XXXX ( appx. {$5000.00} which I am not in a position to pay off ). They provided the original loan documents which state that payments go first towards the interest and then principal. I understand that I signed those documents but I had no power over the payment ahead being made in XXXX and not XXXX time since XXXX did Navient attempt to contact me and explain how this was going to work beyond emailing me that I HAVE NOTHING DUE. I find this to be a very predatory practice as is their refusal to allow me to make partial payments towards my loan principal at this time IN ADDITION to the interest payments they are requiring. My account is current and I reached out to their XXXXXXXX XXXX XXXXXXXX XXXX which only invoked the same documentation and closed the file. Because the interest will continue to grow, I have no way of catching up any time soon in this manner because the balance will continue to grow as the interest keeps adding to the constantly growing amount without being able to pay anything towards the principal. I have also requested them to cancel out my interest since XXXX due to their failure to communicate with me and explain about the implications but they refused that. I have never had a lender not allow me to make additional payments towards the principal and I find this, as stated, highly predatory, especially since it is a student loan not a for-profit business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: GA

Complaint narrative:
Not my account

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 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: GA

Complaint narrative:
Not my account

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 2024-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Monterey Financial Services LLC
State: WA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX I received a voicemail call where Monterey Financial did not provide the message about being a debt collector and an attempt to collect a debt. I since then received repeated calls and voice mails from an automated system on my cell phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: GA

Complaint narrative:
I tried to contact XXXX a few times within the last few weeks to speak with them regarding hard inquiries on my report. I have also sent in dispute letters disputing these hard inquiries and I have not heard any reply back from the company and the items remain on my credit report. 

Please delete these from my account 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

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