vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-14 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: NJ

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 U.S.C 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, have 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 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.

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 2024-04-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
I have tried on XXXX different occasions to contact them and dispute this debt. I paid off my cell phone and the XXXX XXXX ( who rang me out for the payment of my phone ) that I was free and clear and wouldn't be charged for any services because I am not using them. I have gone above and beyond in doing my due diligence to dispute this and have yet to be contacted back in return. I literally can not get ahold of anyone and tsi 's online dispute portal doesn't work. Like I said, I've done everything in my power to dispute this and am at a loss as to what to do next.

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 2024-04-14 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: TX

Complaint narrative:
My student loans were transferred from XXXX to XXXX by XXXX of XXXX. However, Experian is still showing that the XXXX accounts have a balance. I filed a dispute on XX/XX/XXXX and provided the loan verification letter from XXXX showing my {$0.00} balance with them. The dispute was responded to on XX/XX/XXXX with the erroneous information still on my credit report. As suggested on Experian 's website, I called XXXX and was told by their customer service that XXXX does not report account statuses as closed in these situations, but rather it simply stops reporting the balances and thus credit report companies should stop showing them. XXXX and XXXX do not show that the XXXX loans are still active, so that does track with XXXX 's response. I then called Experian and spoke at length to their customer service representative. I learned that this is a very common problem between XXXX student loans and Experian credit reporting, and that all I could do was resubmit the dispute again. I did resubmit the dispute to Experian, and along with the loan verification letter from XXXX showing the XXXX balance, this time I included the letter from XXXX which I received on XX/XX/XXXX that confirms that my loans would soon be transferred in full to XXXX. I received a dispute response on the very same day ( XX/XX/XXXX ) again closing the issue without removing the incorrect data from my report. 

I have read online accounts of others in the same predicament, in which some kept resubmitting again and again and again, and others who were assisted by Experian in a more timely fashion ( among various other fates ). If Experian knows this is happening, then simply directing people to resubmit the same dispute electronically rather than helping in person especially when one calls them on the phone feels like Experian is trying to make XXXX change its process at the expense of my credit. I am applying for a mortgage, so having twice the amount of my actual debt is not at all ideal. I have no idea how many times I'll have to resubmit the same dispute before Experian finally updates the information, and in the meantime it has a real impact on major financial activities.

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 2024-04-14 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: EQUIFAX, INC.
State: NJ

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 U.S.C 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX, have 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 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 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: Experian Information Solutions Inc.
State: NJ

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 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have 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 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.

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 2024-04-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Someone who probably has my personal information applied for credit cards cards which cause inquires on my credit report. The inquires and dates are listed below : 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
Consumer complaint received 2024-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: AK

Complaint narrative:
Early morning of XX/XX/2024 I got three emails from Chime stating I had opened an account and the phone number was changed. I did not open an account. 

Later that day I called customer support to get the account closed but they stated it does not exist despite the fact I was getting emails from the ( verified by the company ) official email. I had an account number as well. Im still trying to get it closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: GA

Complaint narrative:
I sent the credit bureau supporting documents to remove the inaccurate information from my report. Showing XXXX XXXX, XXXX XXXX, inquiries, the bureau refuses to send proof of validation, but continue reporting the inaccurate information on my report. They also validated the FCRA LAW Code. Failure to respond within 15Days of receiving certified documents.

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 2024-04-14 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: TN

Complaint narrative:
I submitted a dispute with Experian, XXXX and XXXX and they are reporting on my report 3 times as if I owe on the same accounts. One account was closed and transferred to another student loan lender and one has a 1099C cancellation of debt filed on it. However the only thing the bureaus have done were update my account. Once again According to FERPA, 20 U.S. Code 1232g - Family educational and privacy rights a federal law, gives parents and eligible students ( XXXX ) control over their records. Common FERPA violations include sharing information without consent, not implementing proper security measures, and not informing parents of their FERPA rights. Penalties for FERPA violations include a ban from federal funding and cease and desist orders. From my understanding the schools will not provide transaction history or the amounts owed to 3rd parties, the law applies to all schools that receive funds under an applicable program of the U.S. department of Education. Therefore, the credit report agencies are in violation of illegally reporting transaction history. I have suffered emotional damage and humiliation I am demanding for each bureau to compensate me {$1000.00} each send to the address listed on file and remove the reporting from my credit report within 5 days from this complaint. If account isnt updates I will be filing a lawsuit against each 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 explanation
Consumer complaint received 2024-04-14 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: IN

Complaint narrative:
Trans union is STILL telling me that a bankruptcy that is FALSELY listed under my name due to identity theft is coming back saying that information is verified as accurate! I have NEVER FILED A BANKRUPTCY!! Nor do I have any accounts showing a discharge of bankruptcy!! This was put on my credit report and ONly On trans union report..I have sent in everything including a letter from the us bankruptcy court to them directly w/a dispute letter. Yet they still come back saying verified as accurate!! THIS IS NOT TRUE AND I WANT OFF MY REPORT! They use a 3rd party that verifies it off of what because the courts DO NOT SEND ANYTHING TO VERIFY A BANKRUPTCY! They are liars because they say the info is verified as accurate!! By who?? They wont tell me!! Ive requested it 10 times now!

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 2024-04-14 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: EQUIFAX, INC.
State: MD

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified several accounts that appear inaccurately listed. I hereby request the removal of the specified accounts from my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inclusion of these account ( s ) constitutes violations of 15 USC 1681a, also known as The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ], which outlines exclusions from the definition of a " consumer report. '' Specifically, it states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Allow me to elaborate. According to the Truth in Lending Act 15 USC 1602 ( g ), the term credit card is defined as follows : " The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' This definition encompasses my social security card, drivers license/ID, and license plate, all of which have been used as credit cards for the extension of credit. Therefore, I insist that this account be removed from my consumer report. 


Best regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 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: CA

Complaint narrative:
I am reporting a fraudulent inquires found in my credit report XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am reporting a fraudulent inquires found in my credit report XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have had a freeze on my credit report for years. On XX/XX/XXXX, TransUnion allowed the US Department of Agricultural ( USDA ) XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, phone XXXX ( which doesn't work ) to add inaccurate data to my frozen credit report. 

How is it possible with a credit freeze for a creditor to add inaccurate information to my credit report? The USDA states this is a loan. I have never had a loan with the USDA. The USDA has never sent me any correspondence about this alleged debt. However back in XXXX, I tried unsuccessfully to reach the USDA regarding this inaccurate information and to gleam or receive any type of communications about this alleged debt that may have been sent to me. As previously stated the USDA HAS NEVER SENT ME ANY COMMUNICATION, via US Postal, email, electronically nothing ever. 

My residence and phone number have been the same for more than XXXX ; how can the US Government allege a debt and never send any communications regarding said debt? It has been more than XXXX years and I still have no communication regarding this alleged debt. Why does my TransUnion report show a credit score of XXXX and yet the bank shows XXXX, which is a difference of XXXX points? Please explain how this can be accurate. 

TransUnion violated my rights of protection by allowing access to my frozen credit report and allowing inaccurate information to be placed on my credit report. I am requesting all paperwork from the USDA for this alleged loan.

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 2024-04-14 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified several accounts that appear inaccurately listed. I hereby request the removal of the specified accounts from my consumer report. 

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  The inclusion of these account ( s ) constitutes violations of 15 USC 1681a, also known as The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ], which outlines exclusions from the definition of a " consumer report. '' Specifically, it states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Allow me to elaborate. According to the Truth in Lending Act 15 USC 1602 ( g ), the term credit card is defined as follows : " The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' This definition encompasses my social security card, drivers license/ID, and license plate, all of which have been used as credit cards for the extension of credit. Therefore, I insist that this account be removed from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 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: FL

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. 

Account name : XXXX XXXX XXXX, Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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.

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 2024-04-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I got a balance transfer from a card and received the cash in my Citi account. But the moment I got the cash, Citi put a block on the account and I can't move the money. So I am paying for the balance transfer and earning 0.01 % interest. Clever scam by Citi. 

I chatted with the citi bot, spent 2 hrs at the branch and been on the phone line for 45 mins. No one seems to be able to do anything and losing ~ {$500.00}

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 2024-04-14 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:
I filed a complaint regarding inaccuracies listed on my credit report and they were reviewed and the credit bureaus listed additional files that aren't mine. Improper use of my credit and violation of the privacy act of 1949.

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