vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After currently reviewing my consumer report, its has come to my attention that the financial institution XXXX XXXX XXXX XXXX failed to conform with applicable statutes such as the Truth and Lending Act, Gramm Leach Billy Act, Consumer Protection Act, and the Federal Reserve Act upon the consummation of this consumer credit transaction. XXXX XXXX  has engaged in unfair and deceptive tactics. As a result of their inequitable conduct, I have made an uninformed decision extending credit to XXXX XXXX XXXX XXXX because my consideration came with no benefit. Furthermore, in accordance with the Federal Reserve Act, XXXX XXXX XXXX XXXX failed to disclose to me that my application was the secured collateral tendered as the payment for the full amount of the consumer credit transaction. XXXX XXXX XXXX XXXX also failed to disclose that collateral offered would be in check form such as draft, or bill of exchange for acceptance, and to have drawing rights as the payee to receive, and to exchange as presentment, for payment to the principal balance on the account for my benefit. As a result of the lack of disclosures. All previous payments have been unduly paid out to XXXX XXXX XXXX XXXX. I have sustained multiple damages due to the deceptive and negligent actions by XXXX XXXX XXXX XXXX. Their failure of not fully informing me and providing pertinent disclosures regarding the use of my credit and withholding how I can exercise my right to privacy to protect my personal information, has affected my credit worthiness, credit capacity, character, and general reputation. These improper actions have resulted in unfair credit billing, credit reporting, and abusive collection practices. 


This notice is an attempt to exercise good faith that the bureau of the CFPB will enforce the violations associated with this transaction and to protect me from the illegal practices by this financial institution. These are direct violations of the Truth and Lending Act, Consumer Protection Act, the Federal Reserve Act and the Gramm Leach Bliley Act.

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 2023-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CT

Complaint narrative:
I disputed an account with XXXX XXXX in XX/XX/. I asked for debt validation and verification. The company responded by saying this debt was sold to Jefferson capital system who never responded to me. I asked for debt validation and verification and they did not respond. It has surpassed their 30 days in dispute. I do not owe this debt it does not belong to me. Looking at the 3b credit report you will notice several inaccuracies with this reporting. This information is inaccurate, untrue, not complete, no whole. The information is inconsistent and does not belong to me. Please stop selling this debt and delete from my report thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXXUPDATED XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXVERIFIED AS REPORTED XXXX XXXX XXXX XXXXUPDATED XXXX XXXX-UPDATED XXXX XXXX XXXX XXXXUPDATED XXXX XXXX XXXXUPDATED This is not telling me how we're these account verified .

So once again I'm requesting method of veification for the accounts above, not an update but verification.

I request that you send me this information so that I know that the investigation was in fact conducted properly. If yo are unable to respond in a timely manner and /or provide me with the requested documentation, please delete the accounts ) from my credit report. 
Thank you,

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 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Transunion to reinvestigate these accounts : XXXX, In 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 XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly 15 U.S.C 1681 section 602 A. states that I have a right to privacy.

15 U.S.C 1681 section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my writing 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.

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 

This credit situation is deterring me from purchasing a home for my fami

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 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have waited 30 days to see changes to my credit report, and there were none. I sent information to XXXX and Equifax regarding the reporting of the bankruptcy that is showing on my credit report and both XXXX and Equifax stated that they verified the account by sending me correspondence that it was accurate based on what was reported from the bankruptcy court. I received correspondence from the courts as well stating that they do not provide information to any of the bureaus regarding validation so that means XXXX and Equifax lied. 

Federal : Account number : XXXX, The filing date is incorrect and also reporting another Account Number : XXXX which is incorrect, inaccurate, and unfair reporting. 

This is really stopping me from rebuilding credit. How can I rebuild credit if these inaccurate accounts keep reporting negatively? Can you answer that for me? How is that possible to verify these accounts as accurate when XXXX did the same investigation and the bankruptcy was deleted? Can you tell me what data you are using to verify this information because the other two credit bureaus are reaching out to the same court to investigate the above accounts? Im planning to file complaints with the FTC, XXXX, and Attorney General 's offices in my state and your state, as well as the Consumer Financial Protection Bureaus because you have failed to fix the problem. Please re-investigate the accounts indicated above as I have provided you with new information. Im not complaining, I just need this inaccurate item fixed. Im ready to file more complaints with other agencies if this matter is not fixed. 

Please send me an updated copy of my report and notification that items have been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CO

Complaint narrative:
This is the second card Ive registered with XXXX XXXX XXXX  that still doesn't allow online transactions even after waiting several days after registering to use the card online.

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 2023-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I filed a dispute # XXXX  with Bank of America on XXXX XXXX XXXX. Booked a room on XXXX and when we arrived we noticed ants, frogs and mold in our room. We reached out to the property and no response so we left and check into another room. Reached out to booking to report problems and they reached out to property with no problem. I faxed in my pictures and conversation to the claims dept through XXXX called and confirmed that they received my fax. Received a response for my dispute almost 90 days later and none of my evidence was included or did they check out my dispute, so I asked to reopen the case. Case reopened and they still denied my case without looking at what I'm disputing. I'm still out of over {$300.00} from this. The claims department really sucks

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 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I applied for an apartment and was informed that I have an eviction flagged on my credit report. The house that is listed belonged to me and my former spouse located in Louisiana. The house that we owner was sold in XX/XX/XXXXXXXX  and the proceeds were divided 50/50.

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 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I applied for an apartment and was informed that I have an eviction flagged on my credit report. The house that is listed belonged to me and my former spouse located in Louisiana. The house that we owner was sold in XX/XX/XXXX and the proceeds were divided 50/50.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I applied for an apartment and was informed that I have an eviction flagged on my credit report. The house that is listed belonged to me and my former spouse located in Louisiana. The house that we owner was sold in XX/XX/XXXX and the proceeds were divided 50/50.

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 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, 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:
Previously I sent a dispute to XXXX and TransUnion to remove two ( 2 ) inquiries made by XXXX XXXX DELAWARE. XXXX sent me a letter in response stating they have completed their investigation and made the decision to remove the hard inquiries from my TransUnion credit report and to allow up to 1 month for the change to reflect on the report, it's been almost 4 months and the inquiries still on the report. 

The inquiries are the followings : XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will be attaching a copy of the letter sent from 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 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, 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:
Previously I sent a dispute to XXXX and TransUnion to remove two ( 2 ) inquiries made by XXXXXXXX XXXX XXXX  XXXX sent me a letter in response stating they have completed their investigation and made the decision to remove the hard inquiries from my TransUnion credit report and to allow up to 1 month for the change to reflect on the report, it's been almost 4 months and the inquiries still on the report. 

The inquiries are the followings : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will be attaching a copy of the letter sent from 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 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Ive seen an inaccuracy on my mortgage account it states that there is balloon payment which is not correct and not accurate there is no balloon payment. Please update the following account : XXXX XXXX XXXX XXXX XXXX Please update status to : open

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 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi, I had my first name changed last year to XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. I reported this to all credit reporting agencies Experian, XXXX and XXXX. This last couple months I tried to apply for a loan and it say I dont have any credit history and so most of my applications got denied. I have a long credit history from my previous name used and I still see my old name showing on all credit reporting agencies. Can we please fix this issue? Would like to hear from your office as well. Appreciate your time. 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 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
There were 9 purchases on my Citi bank credit card made in various XXXX stores in Texas which I did not make. All for the amount of {$300.00} each. XXXX and XX/XX/23. My claim was rejected with Citi bank claiming my credit card was present at the time of purchase. My position is that I was at home in Missouri during this period along with my credit card. 
I had obtained a police report which Citi bank had requested. They asked for proof I was in Missouri and at their suggestion I supplied another credit card statement showing purchases made in Missouri during the same time period.

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 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
In accordance with the Fair Credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a Section 2 it also states a consumer reporting agency can not furnish an account account without my written instructions under 15 USC 's 1666-B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In accordance with the Fair Credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a Section 2 it also states a consumer reporting agency can not furnish an account account without my written instructions under 15 USC 's 1666-B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Thank You

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 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 an 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 or information Any other adverse item 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 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Ive seen an inaccuracy on my mortgage account it states that there is balloon payment which is not correct and not accurate there is no balloon payment. Please update the following account : XXXX XXXX XXXX XXXX  XXXX Please update status to : open

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