vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-06 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: NJ

Complaint narrative:
I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant XXXX  and distress they are causing me.

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 2024-02-06 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: CITIBANK, N.A.
State: CA

Complaint narrative:
This account is incorrectly reporting on my name. I have requested the removal or deletion before many times but I continue to have my consumer rights ignored. 

The details of the subjected account can be found below : XXXX XX/XX/year> {$100.00} 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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I XXXX XXXX XXXX am writing to address significant concerns and harm being caused related to potential violations of the Fair Credit Reporting Act ( FCRA ) and Privacy Act of 1974 ( 5 U.S. Code 552a ). XXXX XXXX XXXX and the credit reporting agencies XXXX, XXXX and TransUnion are not adhering to these standards. Citing 15 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

( b ) Reasonable procedures - It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Citing 15 US Code 1681a ( d ) ( 2 ) Exclusions ( A ) ( i ) the term Consumer Report does not include any report containing information soley as to transactions.

Furthermore according to IRS law, a charge off is considered a certificate of indebtness and is considered income and therefore can not be reported.

If you decide to not update my account then I will be forced to enforce my rights under 12 CFR 1016.7 stating that " A consumer may exercise the right to opt out at any 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 non-monetary relief
Consumer complaint received 2024-02-06 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: CA

Complaint narrative:
I XXXX XXXX XXXX am writing to address significant concerns and harm being caused related to potential violations of the Fair Credit Reporting Act ( FCRA ) and Privacy Act of 1974 ( 5 U.S. Code 552a ). KIA FINANCE AMERICA and the credit reporting agencies XXXX, Equifax and XXXX are not adhering to these standards. Citing 15 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures - It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Citing 15 US Code 1681a ( d ) ( 2 ) Exclusions ( A ) ( i ) the term Consumer Report does not include any report containing information soley as to transactions.

Furthermore according to IRS law, a charge off is considered a certificate of indebtness and is considered income and therefore can not be reported.

If you decide to not update my account then I will be forced to enforce my rights under 12 CFR 1016.7 stating that " A consumer may exercise the right to opt out at any time. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: VA

Complaint narrative:
There has been over 40 transactions from XXXXXXXX XXXX and a website called XXXX. The later company seems to be from XXXX. Im a U.S. resident so thats why Im surprised to see transactions from all the way across the globe I had attached hospital records and documents. I have been hospitalized since XXXX and had no access to internet or my phone. An unauthorized user had made over 40 transactions Claim ID : XXXX Dispute Type : Credit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$1400.00} Online Bank : ChimeXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: CA

Complaint narrative:
Entries are unauthorized and reporting as past due XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations of 15 USC 1602 ( p ), 15 USC 1666b ( a ), 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), 15 USC 1681s-2 ( a ) ( 7 ) ( A ) ( i ), 15 USC 1602 ( k )

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 2024-02-06 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-06 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: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
WELLS FARGO BANK has solid my information on an old account from year XXXX that I personally closed myself in XXXX and they are improperly reporting negativity ( {$73.00} ) to my credit report which is not fair to my consumer report it is incrimination of my character an holding me back from opportunity I would like it deleted expeditiously, 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 2024-02-06 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I have not supplied proof under the doctrine but of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719. I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: FL

Complaint narrative:
I have not supplied proof under the doctrine but of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719. I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: FL

Complaint narrative:
I have not supplied proof under the doctrine but of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719. I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists.

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 2024-02-06 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: TX

Complaint narrative:
I recently started getting a lot of robo calls, for accounts/collections that I have no knowledge of, I was shocked when I checked my credit report and saw 4 accounts and dozens of inquiries that I have no knowledge of.. I wrote all 3 credit bureaus to dispute these items on my consumer report via certified mail and filed a report with the ftc.. however the items are still on my report. I fill like XXXX, XXXX, and TransUnion have just ignored my disputes and I fill that they are in violation of : Act 15 usc 1681 I am a single mother trying to buy my first home for my family so naturally I need these items removed, although I haven't tried for home funding yet as I'm still saving I feel like these negative items will hurt my chances for funding or make my home loan more expensive than if my consumer report were correct and accurate.

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 2024-02-06 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-02-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK
State: OR

Complaint narrative:
XX/XX/2018 - My assigned academic advisor informed me if additional money to afford attendance at XXXX XXXX I would be required to obtain a private student loan. She advised I borrow {$40000.00}. Discover Private Student Education Loans responded immediately with an approval. XX/XX/2018 I called the bank and was told the XXXX had approved {$36000.00}. When I called the XXXX I was told checks of that size required two signatures and the XXXX was on vacation and my only option was to wait for him to return. Discover had assured me it was in my best interest to take a variable rate to keep my payments low, as they would simply refinance them in case I needed more assistance. Weeks later the XXXX returned and my check was mailed to me. After multiple grievances with the skelton staff, price gouging, and rare availability to me as a distance enrolled student. Months later it became evident this was simply common practice. As I let them know the money I was borrowing for little to no instruction was unacceptable. As I quickly found another program, I gave them proper notice. They promptly further informed me I would need to pay for the semester they had enrolled me before giving notice, I refused. Now having XXXX XXXX XXXX from a reputable program COVID was slowing down and, as instructed, I called Discover back as we had previously arranged to reduce the rates and lock them around 2 %. I was told the offer was not available, and rates could only be locked at 8 % and 11 % respectively. They allowed me another year through another special program for borrowers just like me. I accepted, once again believing in a year things would be better, and rates would go down as promised. They never went down. At just over $ 500 monthly I have lost my job and am unable to make these payments. As the bank states that have no options for me, I now am near defaulting for the first time ever on a student loan. Both the school and Discover continue to plague me to this day whether its these payments or needing to request official transcripts. I assure you, neither institution have been easy to work with and I need your help to challenge the loans and remove them so I can move on to paying for the Federal Loans that afforded me a quality education. Thank you in advance for resolving this miserable experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: NY

Complaint narrative:
I received a letter from XXXX on XX/XX/XXXX stating Congratulations! The Biden-Harris Administration has forgiven some or all of your federal student loan ( s ) with XXXX in full. This debt relief was processed as part of the Biden-Harris Administrations one-time account adjustment because your student loan ( s ) have been in repayment of at least 20 or 25 years. An adjustment to your account updated the number of payments that qualify towards income-driven repayment ( IDR ) forgiveness. This forgiveness is effective as of XX/XX/XXXX. 
I have called XXXX several times enquiring about the timeframe it would take for this to come off my credit report and I was told that it could take up to 3 months. I have checked my report every month sense receiving this letter with no change. Customer service with XXXX can not tell me any date and keeps giving me the runaround transferring me to different departments but no answers are given. It has been 6 months and I feel that is ample time to have this issue resolved and my credit report should be updated to reflect the loan has been forgiven.

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 2024-02-06 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: IL

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2024 I got a cashiers check for XXXX from chase on the same day deposited into a XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My card was used and fund were used fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Please rectify the error on my account by removing the incorrect late payment notation. I have always made timely payments and have never defaulted. This issue is significantly impacting my well-being and disrupting my sleep. I implore you to address this matter promptly and correct 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 non-monetary relief
Consumer complaint received 2024-02-06 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: MD

Complaint narrative:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

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 2024-02-06 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: TX

Complaint narrative:
I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation. I've attached the required documentation to validate my stance.

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 2024-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
I purchased a vehicle in XXXX and got a loan through Wells Fargo. I was living in XXXX at the time. I later moved to XXXX XXXX and re registered the car there. The loan was paid off around XXXX. Wells Fargo has clouded the title to my vehicle ever since then. I have asked them to electronically release the title with XXXX on several occasions but they refuse to. They then provided me with a lien release. XXXX  will not accept this as the title must be release electronically. I have called Wells Fargo several times. They keep stating that XXXX XXXX said that XXXX just needs to transfer title to XXXX XXXX. XXXXXXXX will not do that as they need the lien released electronically. I sold the vehicle not realizing all of this. The new Buyer wants to register it in XXXX  and can not do so without the lien released from the title. I have now had to repay {$1000.00} to the Buyer of my vehicle because of Wells Fargo 's refusal to release a lien that I paid off over 10 years ago and have proof of payoff for. They are holding my vehicle hostage.

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am submitting a formal complaint against TransUnion for their failure to respond to dispute letters that I mailed on XX/XX/XXXX, and XX/XX/XXXX. In these letters, I requested investigations into inaccurate items on my credit report, including entries for XXXX XXXX XXXX IL XXXX XXXX, XXXX XXXX - XX/XX/XXXX inquiry, and XXXX XXXX - XX/XX/XXXX inquiry. Additionally, I disputed incorrect names and addresses listed on my credit report. 

To assist TransUnion in verifying my identity and address, I diligently included copies of my photo ID, social security card, and a recent bill with my current address. 

Regrettably, I received a response from TransUnion, dated XX/XX/XXXX, indicating that they were unable to process my request because it did not appear to have been sent directly by me or an authorized third party. Despite sending an additional dispute letter on XX/XX/XXXX, I did not receive any response from TransUnion. 

According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to conduct a reasonable reinvestigation when the completeness or accuracy of any information is disputed by the consumer. It is evident that TransUnion has failed to fulfill this obligation, thereby violating my consumer rights. 

Enclosed with this complaint are copies of the dispute letters I sent to TransUnion, along with their response and proof of mailing, serving as evidence of my attempt to address inaccuracies in my credit report and TransUnion 's failure to conduct a proper investigation.

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