vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I wrote a letter about false information on my credit report and more than 45 days later I still havent heard anything back. I am writing to express my deep concern and frustration regarding the lack of response to my previous complaint about false information on my credit report. I initially submitted my complaint to your office on [ XXXX XXXX XXXX XXXX XXXX, outlining the inaccuracies in my credit report and my legitimate concerns about the potential mishandling of my personal information, especially in light of the TransUnion Data breach. 

According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), it is explicitly stated that any refusal to investigate allegations of inaccurate information within 30 days is grounds for the immediate removal of said allegations from the credit report. Given that it has now been more than 60 days since my initial complaint was submitted, I find it both distressing and unacceptable that no action has been taken to address these concerns. 

The false late payment accounts that are currently reported on my credit profile are causing substantial distress and hindering my ability to access fair financial opportunities. It is my right as a consumer to have accurate information on my credit report and to be treated in accordance with the laws that protect consumers ' rights, such as 15 U.S. Code 1681i ( e ) ( b ), which mandates timely and appropriate actions to rectify inaccuracies. 

I believe that my complaint is being disregarded, and this situation leaves me feeling victimized by the credit reporting system. I demand that immediate action be taken to investigate and resolve the inaccuracies on my credit report, as well as the removal of any late payment accounts that are the result of these inaccuracies. Furthermore, I request that the TransUnion Data breach and its potential implications on my personal information be thoroughly addressed. It is concerning to consider that my sensitive data XXXX have landed in the wrong hands, and I expect your office to take this matter seriously and provide me with the necessary assurances. 

The TransUnion Data breach exposed my information well as, and is feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 1 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20 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: GA

Complaint narrative:
I obtained a copy of my credit report on XX/XX/2023 after I requested an investigation into a serious matter with the items being reported. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX . These items where never verified nor have I ever entered into any contracts with these corporations. According to 15 USC 1681 ( a ) ( 4 ) My right to privacy has been violated and now I am seeking further action against these corporations. Equifax has taken action by removing XXXX XXXX XXXX XXXX which indicates that there is no legit reason for the account to still be reported with the other agencies. However the other account XXXX XXXX XXXX needs to be removed as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I obtained a copy of my credit report on XX/XX/2023 after I requested an investigation into a serious matter with the items being reported. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX . These items where never verified nor have I ever entered into any contracts with these corporations. According to 15 USC 1681 ( a ) ( 4 ) My right to privacy has been violated and now I am seeking further action against these corporations. XXXX has taken action by removing XXXX XXXX XXXX XXXX which indicates that there is no legit reason for the account to still be reported with the other agencies. However the other account XXXX XXXX XXXX needs to be removed as well.

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 2023-08-20 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: NY

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. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX. Late Payments Not Authorized To Be On My Report No written authorization was given XXXX XXXX  Account Number : XXXX  Please remove this inaccurate information from my credit report. 

2. Late Payments Are Not Authorized To Be On My Report no written authorization was given XXXX  XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 





However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 
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 item of information, other than records of convictions of crimes, 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 arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20 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: Entrata Inc.
State: OH

Complaint narrative:
I applied for a townhome community XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX and was denied for the following ; credit and eviction filing, judgement. XXXX XXXX, also stated that I was denied also for a bankruptcy from XXXX that was XXXX that same year, also the email that I received from the property is contradicting to what the tenant screening states from Resident Verify. I am not sure if Resident Verify and XXXX are the same company. The information was not made clear at the time of the applicaiton and I feel that information was provided illegally.I received a denial letter from their third party Resident Verify on XX/XX/XXXX I was denied based on the information provided by the third party screening. So much is contradicting XXXX balance is showing and It should be removed from that report. The company had no permission to obtain, my permission to house inaccurate information. My rights have been violated under these FCRA laws ; 15 USC 1681 section 602 15 USC 1681 section 604 15 USC 1681s-2 This information is negatively impacting shelter for myself and children and has been placed on my record fraudulently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 00:00:00
Product: Credit reporting, credit repair services, 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:
Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 2023-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
See attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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
Consumer complaint received 2023-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
15 U.S.C 1681 Section 602 A state I have a right to privacy.

15 U.S.C 1681 SECTION C MO CONSUMER REPORTING agency may make any of the following items of information and other adverse item information other then records of convictions of crimes.

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 2023-08-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
15 U.S.C 1681 Section 602 A state I have a right to privacy.

15 U.S.C 1681 SECTION C MO CONSUMER REPORTING agency may make any of the following items of information and other adverse item information other then records of convictions of crimes.

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 2023-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I got my car back in XXXX 2021. My car was financed with USAUTO SALE for XXXX. I have had my car for 3years. I pay XXXX every two weeks. Which total XXXX. I finally got a hold to someone who works for WESTLAKE PORTFOLIO. I asked them how much was my remaining balance. I was told my remaining balance on this vehicle was XXXX. I asked them how when my car was only financed for XXXX. Not possible!!! I have all my paperwork and bank statements showing when I purchased this car and payments that where drafted... PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 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: Nelnet, Inc.
State: NC

Complaint narrative:
Between the Months of XX/XX/XXXX- XX/XX/XXXX I have tried multiple times to get Dep of Ed/Nelnet to remove student loans from my account. The student loans are now CURRENT and OPEN

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Remove 30 Day delinquency due to bank error.

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 2023-08-20 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: Opportunity Financial, LLC
State: NC

Complaint narrative:
Between the months of XX/XX/XXXX - XX/XX/XXXX I have disputed with Opploans multiple times to get the closed account removed due to Opploans violating XXXX XXXX COMPLIANCE I have paid the balance and asked for deletion but OppLoans refuses to delete the closed account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 00:00:00
Product: Credit reporting, credit repair services, 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:
Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 non-monetary relief
Consumer complaint received 2023-08-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Beginning in XXXX, Ally Bank XXXX XXXX XXXX, XXXX, TX XXXX is taking an exorbitant amount of time to post payments to this account and claiming they did not receive the payment in time and then charging {$35.00} late fees. 

XXXX XXXX was due XX/XX/XXXX. Payment was debited from by XXXX XXXX  checking Account via XXXX on XX/XX/XXXX and posted to the Ally Bank account on XX/XX/XXXX. 11 days after the payment left my bank account. 

XXXX XXXX was due XX/XX/XXXX. Payment was debited from my XXXX XXXX  checking account via XXXX on XX/XX/XXXX and posted to the Ally Bank account on XX/XX/XXXX. 3 days prior to my due date, yet I was still charged a late fee on XX/XX/XXXX. 

XXXX XXXX was due XX/XX/XXXX. Payment was debited from my XXXX XXXX  checking account via XXXX on XX/XX/XXXX and posted to the Ally Bank account on XX/XX/XXXX. 12 days after the payment left my bank account. 

I have called and escalated this issue with a supervisor there and the only thing they can tell me is to use their AutoPay system to make the payment. They say their postal service is horrible at delivering their mail. Not my problem, why I am being penalized when my payment is leaving my account 5 days early to insure they get their payment within the guidelines they gave XXXX XXXX  ( see statement on the proof of payments ). I purposely use my bank 's bill pay system to keep all my bills in one place and utilize this with many other companies and don't have any issues with them getting payments on time.

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 2023-08-20 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: MD

Complaint narrative:
There was an unauthorized transaction on XX/XX/2023 against a fictitiously created Cash App account using my bank debit card. Again, on XX/XX/2023, there was an unauthorized transaction against a fictitiously created Cash App account using my wife 's bank debit card. In both instances, I reported the transaction to my bank as a fraudulent transaction and the funds were reinstated. I had no recourse against Cash App as I have no account there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
I called them and sent them letters stating it was identity theft

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 2023-08-20 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: AZ

Complaint narrative:
Transunion credit report agency is not removing this public information ( Bankruptcies ) off of my account. I contacted the actual company and they told me they dont verify no public records accounts so I dont know where they are getting their info from but it is not valid. Attached is the letter from the bankruptcy court saying that they do not verify information to the credit bureau.

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 2023-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There is an error being reported on my credit file from the creditor XXXX The account is being reported 30 days late in both XXXX and XXXX. My payments are {$32.00} per month. I pay more to cover the next month sometimes, which was the case in XXXX. However, the late is being reported when I never was more than 30 days late for neither XXXX, XXXX or XXXX ( see receipt copies ). Please assist with correcting as this is having a very negative impact on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21 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: NV

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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 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