vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I REQUSETED THE SAID CREDIT REPORTING AGENCY REPORT FAIR AND ACCURATE PERSONAL INFORMATION ACCORDING TO THE F.C.R.A  

AS THE OTHER CREDIT REPORTING AGENCIES HAS UPDATED MY PERSONAL INFORMATION


INTENTIONALLY NOT UPDATING CORRECT INFORMATION IS A DIRECT VIOLATION OF (15 U.S.C 1681n willful non-compliance) 

WHICH COULD BE PUNISHABLE UP TO TWO YEARS IN PRISON OR A 1000.00$ FINE

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 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/24 Contacted XXXX ( XXXX ) Spoke with a representative by the name of XXXX. I requested a copy of the 1099-C form XXXX filed with the IRS. 

On XX/XX/24 an email was sent from XXXX with a copy of the 1098 form, after requesting a copy of the 1099- c form as well. 

Not only is this company committing security fraud, but they are committing tax frau das well. 

While I have received the 1098 form via email and mail, I have NOT received the copy of the 1099-C Cancellation of debt form that XXXX filed with the IRS. It is important to rectify this situation promptly to avoid potential tax implications and to ensure accurate reporting on my consumer report. 

If XXXX was able to send the copy of the 1098 form via email and mail, why are are they witholding the copy of the 1099 - C, and why wasn't a copy sent to me as soon as filing with the IRS? I am requesting XXXX to send me the requested documents per my request immediately. 

I am also requesting your company to cease requesting payments on an account that has been canceled debt. It is important to align with the FCRA, and IRS guidelines and accurately reflect the cancellation of debt status to avoid any further confusion or potential legal issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 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: NC

Complaint narrative:
On XX/XX/24 Contacted XXXX ( XXXX ) Spoke with a representative by the name of XXXX. I requested a copy of the 1099-C form XXXX filed with the IRS. 

On XX/XX/24 an email was sent from XXXX with a copy of the 1098 form, after requesting a copy of the 1099- c form as well. 

Not only is this company committing security fraud, but they are committing tax frau das well. 

While I have received the 1098 form via email and mail, I have NOT received the copy of the 1099-C Cancellation of debt form that XXXX filed with the IRS. It is important to rectify this situation promptly to avoid potential tax implications and to ensure accurate reporting on my consumer report. 

If XXXX was able to send the copy of the 1098 form via email and mail, why are are they witholding the copy of the 1099 - C, and why wasn't a copy sent to me as soon as filing with the IRS? I am requesting XXXX to send me the requested documents per my request immediately. 

I am also requesting your company to cease requesting payments on an account that has been canceled debt. It is important to align with the FCRA, and IRS guidelines and accurately reflect the cancellation of debt status to avoid any further confusion or potential legal issues.

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 2024-02-18 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: OK

Complaint narrative:
I received a hard inquiry on my credit report from a company I had not requested a loan or credit card from. When I called to inquire about it the phone number had been disconnected.

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 2024-02-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
I paid my target red card on XXXX via automatic payment. This is the usual way we pay and have never missed a payment. On XXXX and XX/XX/year> sent extra payments via red card portal and the payments didnt work because the website showed abd old checking account and I accidentally used it. 
Red card then closed my account while it had a balance due to this error on the extra payment. We still have a balance. Upon calling and speaking with multiple people, we are told this can not be resolved and nobody will tell me if and how this may affect my credit. They will not open this account regardless of our up to date payment terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: NJ

Complaint narrative:
On XX/XX/year>, I wrote to you requesting an investigation into items that I believed were ( CHOOSE : INNACCURATE, OUTDATED OR OBSOLETE ). To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my ( SECOND, THIRD, FOURTH, ETC ) ) request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 

Please see my reasons for dispute below : XXXX. I was never late and this is inaccurate and an FCRA violation. 
XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. I was never late and this is inaccurate and an FCRA violation. 
XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. I was never late and this is inaccurate and an FCRA violation. 
XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. I was never late and this is inaccurate and an FCRA violation. 
XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Late Payment Law Letter finance charge XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

Under 15 USC 1681i ( 6 ) DEMAND TO COMPLY and 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability to credit reporting agency

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 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This account is reporting inaccurate information on my consumer report which is not under FCRA compliance. Please remove this account from all credit reporting agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 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: NC

Complaint narrative:
I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late en payments for the accounts that i have included screenshots inside this complaint in on dates of ( XX/XX/2023 ) and ( XX/XX/2023 ) Please investigate and provide proof with statements showing that these payments were late. if proof cant bo provided i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

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 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
For many years I have been fighting with the VETERANS AFFAIRS concerning health issues and benefits. Last summer I finally obtained a 100 % XXXX rating for XXXX XXXX issues. Approximately XXXX XXXX ago, while trying to search for a home of my own to prevent becoming a homeless statistic, I was notified that my student loans have been written off due to my veterans XXXX status upgraded. I just recently found out that TRANSUNION and XXXX, as result, dropped my credit score XXXX points. And completely violating my rights as a XXXX veteran with this devastating action and has guaranteed me becoming homeless soon. Many attempts to contact those credit reporting agencies have failed. And has started affecting my health as this matter continues to get worse.I am XXXX person, a fixed income XXXX veteran, that is being discriminated against and left with no other choice than filing a formal complaint and seeking legal help from the local federal court system. Being a solo voice being tried this way after XXXX  XXXXXXXX XXXX in the XXXX, sacrificing everything including my health to have XXXX XXXX XXXX organizations to treat me this way is absolutely appalling and degrading. To include discriminatory.

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 2024-02-18 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: CLGF Holdco 1, LLC
State: WA

Complaint narrative:
Last night on XX/XX/XXXX there's notified by XXXX of my banks and by XXXX XXXX that a hard inquiry had been done by a company named CB Indigo better known as Concoria on my XXXX credit report. I have been monitoring my credit like a hawk over the last XXXX  months doing everything I can to salvage and repair my credit from identity theft, fraud, and various other issues. I know by law if I dispute something I can have it removed through XXXX yet they chose not to and they said they could not do it which I know is a lie. I first called the credit card company CB Indigo and ask them to remove it and they told me they wouldn't then I asked for my application I asked to have the application that was done to be returned and retracted and they said no. Under 15 United States code 1581 B permissible purposes if I have not given express written permission to XXXX to furnish private data on my credit report that is considered fraud and I must enforce it and I am right now. Under 15 United States code 1681E compliance procedures I know by law that they have to either adjust or remove the inaccury on my credit and they have refused to do it. I just got off the phone with XXXX I was given a confirmation number of XXXX of the phone call that I made asking them to remove it because I did not authorize it. They refused and that is also a violation to not even do investigation when I ask for it. 15 United States code 1681N stays at any inaccurate information on my credit report is a violation and it's liable and a penalty of up to {$1000.00} this is the XXXX  time they have allowed this company to put a hard inquiry on my report I've had it removed XXXX other times and here we go again. To remedy the situation I want this removed I want a copy of my adjusted credit report stating that this has been removed and I would like to be compensated for my personal injuries because of this act. I do not appreciate these credit reporting agencies being arrogant and not upholding the law That's also willful negligence right there which needs to be dealt with these places can not keep breaking the law and getting away with it they need to be upheld to a higher standard since they're holding such valuable information on consumers and accept nothing less than the remedies I just stated, removal and updated credit report and compensation I will not accept anything less than that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
We bank with Wells Fargo with a business account. When depositing a check from a government agency, Wells said they would hold the check XXXX weeks. We told them they could not do that as I researched the legal process on check holds. Since it was the only bank we were banking with, we deposited it hoping for a quicker turn time. As of Friday XX/XX/XXXX, the funds were not available, and it was the end of the XXXX business day. We opened an account last week with a different bank which cashed another check from the school district in XXXX hours. We have been told this XXXX week hold many times by Wells Fargo. It mattered this time as the school was late in paying and we needed the cash for payroll.

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 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have names and addresses that are different on all XXXX  of my credit reports also old addresses that are none mailable addresses currently I have sent current updated addresses to all contracted financial institutions I ask that the old be removed

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 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have names and addresses that are different on all XXXX  of my credit reports also old addresses that are none mailable addresses currently I have sent current updated addresses to all contracted financial institutions I ask that the old be removed

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 2024-02-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
This is a formal complaint that Santander consumer USA placed a charge off on my consumer credit report without providing validation information under 12 CFR 1006.34B5 but yet they placed a collection or a charge off on my consumer report also they have not given me a chance to dispute this account according to 12 CFR one 006.34C4I collection agency or creditor is violating my right by using false and misleading misrepresentation and deceptive means this collection agency or creditor, has no authority to furnish any account to my consumer report without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34D and 15 USC 1681S27A also I am disputing only any and all debt to them and I am revoking my rights of communication with me through email text and calls. Also, I am requesting validation of this debt and the original agreement. Also I am requesting that they furnished proof that they are licensed and bonded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 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: PA

Complaint narrative:
To whom this may concern ; This is not a third party filing this report. I am a Natural person and I am being taken advantage of by XXXX, Equifax and XXXX. These XXXX companies are violating my rights given to me by the FCRA. I didnt give them permission to access my non public personal information. Nor did I consent for them to furnish anything on my consumer report. According to 15 USC 1681 B2 my permission is needed for any person to access or furnish on my consumer report. They permission wasnt granted by me. Not only are inquiries being reported without due cause. My right to privacy has been infringed upon due to these fraudulent and inaccurate reporting. I have a right to privacy according to 15 usc 1681 ( a ) ( 4 ) I demand that each and every item Im disputing to be removed. There is no way any person can validate fraudulent activity. Due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 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: PA

Complaint narrative:
To whom this may concern ; This is not a third party filing this report. I am a Natural person and I am being taken advantage of by XXXX, XXXX and Experian. These XXXX companies are violating my rights given to me by the FCRA. I didnt give them permission to access my non public personal information. Nor did I consent for them to furnish anything on my consumer report. According to 15 USC 1681 B2 my permission is needed for any person to access or furnish on my consumer report. They permission wasnt granted by me. Not only are inquiries being reported without due cause. My right to privacy has been infringed upon due to these fraudulent and inaccurate reporting. I have a right to privacy according to 15 usc 1681 ( a ) ( 4 ) I demand that each and every item Im disputing to be removed. There is no way any person can validate fraudulent activity. Due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a ).

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 2024-02-18 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:
To whom this may concern ; This is not a third party filing this report. I am a Natural person and I am being taken advantage of by transunion, XXXX and XXXX. These XXXX companies are violating my rights given to me by the FCRA. I didnt give them permission to access my non public personal information. Nor did I consent for them to furnish anything on my consumer report. According to 15 USC 1681 B2 my permission is needed for any person to access or furnish on my consumer report. They permission wasnt granted by me. Not only are inquiries being reported without due cause. My right to privacy has been infringed upon due to these fraudulent and inaccurate reporting. I have a right to privacy according to 15 usc 1681 ( a ) ( 4 ) I demand that each and every item Im disputing to be removed. There is no way any person can validate fraudulent activity. Due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a ).

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 2024-02-18 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: GA

Complaint narrative:
On XX/XX/2023 at XXXX XXXX, I mail my dispute letters to Experian via certified mail ( Certified Mail Tracking Number XXXX  XXXX ) asking for validation of debt per 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) and 15 U.S. Code 1692g. All I have received back is the debt is verified with no proof and sending stall letters saying I'm not a real person sending in the letters and to remove an old address XXXX XXXX XXXX XXXX from my credit report. They keep mailing me a balance statement with a breakdown without proof of my wet signature and wont remove the old address from my credit report where I have never lived at.

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