vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-15 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: OH

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 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 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 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
My original loan servicer, XXXX XXXX, student loans are still appearing on my credit report despite being transferred to XXXX as of XX/XX/2023. There were no actions taken to remove these loans from my credit report, despite no longer having any open lines of credit with XXXX XXXX. This information is being inaccurately displayed on my credit report. See attachments for proof of transferred loans.

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 2024-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
venmo keeps fooling me around in order to prevent me to access my money! 
they keep freezing and unfreezing my account. they dont allow me to add any bank so I cant withdraw my funds! they ignore support emails or send stupid exuces they are holding {$3900.00} currently and cant add my bank to withdraw! 
scammers!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
XXXX XXXX XX/XX/year>, I was informed via a credit monitering software that CareCredit had XXXX my account. They did not inform me of this action taking place nor did they every reach out to me to discuss such information. I am interested in CareCredit reviewing my equitable rights regarding my account in which I am the beneficiary as well as them reopening my account. 

This has caused a major hardship for me as I have XXXX appointments scheduled for next week where I was planning on using my card there. I now have no way of successfully attending my very important doctors appointments thanks to CareCredit abruptly shutting down my account without informing me that they would be doing such a thing.

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 2024-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/XXXX I applied for a building and I was denied. I asked the building when I can get my XXXX deposit back and they did not respond. I filed a dispute on XX/XX/XXXX and it was denied. Is reached out again to the building and they said the funds were taken back. Chime has no representatives to speak to on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: FL

Complaint narrative:
These fraud accounts are not mine XXXXXXXX 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 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 2024-02-15 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:
These fraud accounts are not mine 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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-15 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: EQUIFAX, INC.
State: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-15 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: NY

Complaint narrative:
Upon reviewing my Experian credit report, I noticed that there are erroneous and unverified negative information that is affecting my credit worthiness. The other Bureaus do not even report these items on 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 2024-02-15 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: FL

Complaint narrative:
On XX/XX/2023, I wrote to you requesting an investigation into items that I believed were falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: Byrider Franchising, LLC
State: GA

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy to 15 USC 1681b 2. Company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV LLC have reported to the 3 credit bureaus inaccurate information payment statuses, past due amount, and balance owed on three different accounts. Once I notified the credit bureaus that I needed proof that I owed this debt I waited 45 days 2bureaus deleted them however XXXX did not respond back or do an investigation. After all this LVNV reported this info again using the copany name LVNV Funding they also gave my information to another company called XXXX XXXX to collect for them during this same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Your company is in violation of my right and if this is not resolved i will be seeking litigation. you guys allow this frauduelent account to be reinserted back on my credit report after deleting it after i attached a ftc report and a police 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 2024-02-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy to 15 USC 1681b 2. Company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. There are inaccuracies that existed on my credit report. The bureaus display the Date of Last Payment differently : XXXX says XX/XX/2019, XXXX XX/XX/2019 and this is not reported on XXXX. The Date of the Last Activity shows differently : XXXX XX/XX/2019, XXXX XX/XX/2019, and XXXX is not reporting this account. The date last reported on a credit report is inaccurate or outdated ( XX/XX/2019 ). This is clearly a violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.

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 2024-02-15 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: SC

Complaint narrative:
***URGENT*** I am uberly and utterly distraught after fining out about the recent eventas that took place on XX/XX/2024. 

It was brought to my attention via a credit monitering software that TransUnion shared information with XXXX without my consent or knowledge resulting in XXXX closing my account. 

I was never informed of this taking place nor did they ever reach out to me to discuss such information to confirm the accuracy and completeness of the data shared. 

I am interested in XXXX reviewing my equitable rights regarding my account in which I am the beneficiary as well as them reopening my account. This has caused a major hardship for me as I have XXXX appointments scheduled for next week where I was planning on using my card there. I now have no way of successfully attending my very important doctors appointments thanks to XXXX abruptly shutting down my account without informing me that they would be doing such a thing.

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 2024-02-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Solar Mosaic LLC
State: AZ

Complaint narrative:
Was attempting to have solar installed by XXXX who uses Mosaic to finance. Shortly after speaking with XXXX and applying for installation I cancelled the installation sometime early last year. About 2 months ago I received a letter from Mosaic that stated account was coming due and when payments would start. I phoned Mosaic and informed them the installation had been canceled. On XX/XX/15 I received an email stating I had a delinquent account from Mosaic on credit report. I phoned Mosaic who stated the account had been canceled, yet they reported it as delinquent on my report. Mosaic also refused to remove it from my report, stating they only report once a month. The Mosaic account number is XXXX. Mosaic XXXX XXXX XXXX. XXXX. 

Any help would be appreciated, Thx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX, I applied online to open a CD at BMO Alto Bank. Within minutes my application was declined. I followed the suggestion to apply again. Again, I was declined. I believe this is age discrimination. I'm XXXX, own a mortgage-free condo and have good credit. Plus, I was going to give BMO money. I was not asking for a loan, mortgage or credit card. I have credit cards. Of particular concern is that on the application I had to provide my SSN. I believe my SSN can easily be compromised and the bank will claim they don't know me, as I am not a customer.

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 2024-02-15 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This company dont have a license in my start to put my credit in collections I not sure to go about getting this company off my back and my life can you guide me in this complaint. The company that dont have a license to practice in my state is LVNV Funding llc XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2023, an unauthorized use of my Chase bank card for XXXX at XXXX XXXX XXXX XXXX, New York. I reported it a on XX/XX/XXXX to Chase bank about the fraudulent transaction. Chase Bank look into this matter and determined it not fraud. I do not use my Chase bank card as Visa card. All of my purchases are typically conducted using a XXXX XXXXXXXX credit card. On XX/XX/XXXX I used my XXXX XXXX card 3 time in California where I live. I do not live in XXXX NY where the fraudulent transactions transaction took place on XX/XX/XXXX. I have contacted Chase bank multiple times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-15 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:
I recently accessed my credit report and noticed some inquiries that I did not authorize

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 2024-02-15 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Financial Freedom Group, LLC
State: CO

Complaint narrative:
I spoke with a manager at DebtBlue today because I am unable to make my program payment. After conversation, I had discovered that I paid out a total of {$2000.00} so far. DebtBlue collected {$1000.00} in their fees, {$750.00} was applied to my active settlements, there was a balance of {$100.00} in my account, and after conversation I found out there was an additional {$180.00} in " fees '' for monthly account fees and each time they send a payment to a creditor. 

My issue was that the payment was too high to manage for me currently, as I would have to choose between either homelessness or debt. However, when seeking resolutions to the problem, I was told that my options were to either cancel out the program or make the payment. Despite DebtBlue 's claim that they were there to help me manage and get out of debt, they were more insistent on collecting their fees, which were never adequately explained to me in the beginning of the process. Neither how much they were going to collect, or when they would collect it. 

When I opted to cancel the program, they said that my balance in my account would be withheld to be applied towards the unpaid fees on the account. They also said that, not only would I not be provided with information on my settled accounts in order to continue payment, but that the settlement agreements would be voided on both ends. They failed to convey in the beginning that they could even do that. They charged me the full amount for a couple of settlements, and then they voided those settlements upon removal from the overall program. How can I be charged fully for a service to settle an account, and then be locked out of that settlement because I remove other settlements?? I paid for a service that was ultimately not delivered.

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 2024-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
I received a collection notice from OnLine Information Service regarding a delinquent account in the amount of {$840.00} From XXXX XXXX XXXX. I have never used this company and have lived at my current address since 1990. 

The address of the service is XXXX XXXX XXXX XXXX, XXXX, TX XXXX. The account number is XXXX. I have contacted On Line Information Services and they will remove my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I just reviewed my credit report in XX/XX/XXXX and noticed a inquire from XXXX XXXX XXXX. I did not open any account or have any knowledge of how this account is open. I sent all my documents into Transunion and have not heard back anything. I been getting ignored and do not know what to do. Can you please help? 

Transunion XXXX 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