vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-18 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: SC

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 XXXX Account name : XXXX XXXX ( Bank ) Account name : XXXX XXXX XXXX XXXX ( Finance ) Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX Account name : XXXX  XXXX Account name : XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX  Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account name : 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 2023-08-18 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I noticed several unauthorized inquiries on my credit report that I would like removed Inform them that according to the FCRA these unverified and unauthorized items must be removed. TransUnion is not cooperating with removing these inquiries which is illegal. XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Home shopping ) XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bank ) XXXX XXXX XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX  ( Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX  ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX  ( Bank ) 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 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I just got in mail from Experian. 
Per Colorado law report potential negative item. 
When I go to the site that lets you get free credit reports. 
Annual credit report.com I try get report for experian-I wanted to review before contacting. States company will not authorize. Gosh I have XXXX FICO.I will call but their fishing.

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 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
Multiple complaints and disputes on my credit report made regarding accounts that are not mine, information requesting proof and disputes taking longer than 30 days and Transunion is not paying attention. They think they sent something to me. They never did and it is useless, you can't prove an account that is not yours but the burden is on Transunion to allegedly get this information verified for well over a year not and they dont do a XXXX thing. Transuions practices are illegal and they need to remove these accounts as they are failing to meet the burden these accounts I dispute belong to me.If they sent me something, they probably sent it to an address, I dont even live at which means, its not my account. Theres the proof. I dont see tracking numbers for that matter REMOVE THESE XXXX ACCOUNTS!

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 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
Around XX/XX/XXXX my personal belongings ( phone, credit cards and debit cards ) were stolen by my abusive ex boyfriend. I was in a XXXX XXXXXXXX situation. 
After I got the police involved and retrieved my items, I found out he had made unauthorized purchases with my cards and open line of credit in my name using my information and out of XXXX. 

I contacted my bank to report the fraudulent transactions and I was refunded. I was advised by my bank to contact Affirm as one of the transactions this person opened was with Affirm For a loan. 

I contacted XXXX and explained the situation to them and requested a cancellation of the transaction as it was fraudulent. They informed me that I would have to reach out to AFFIRM directly to cancel the loan. 

I reached out to Affirm and reported the situation requesting that the loan be closed as it was performed Fraudulently. Affirm insisted that they will not close the loan and that i have to pay it because I had other loans opened with that merchant. I explained that because I had other loans open with them does not mean that this was not FRAUDULENT. 

I went over the incident with a manager I spoke with and explained my XXXX XXXXXXXX situation and how personal belongings were stolen and I did not authorize this particular transaction. It fell on deaf ears. 

I insisted to not pay the loan because it was fraudulent. I requested that they provided me with documents as to how they arrived at their conclusion that it was not a fraudulent transaction, I was ignored. 

I have been contacting them for weeks and no one is responding to me. Instead I get threatening emails and text messages that they will report to XXXX and send the balance to collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: TX

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.

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 explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent a dispute letter to Equifax on XX/XX/2023 and they did not respond per the FCRA 611 and refused to investigate. here is my failure to respond letter or do something about it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 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 sent my letter off on XX/XX/XXXX. I told the credit bureaus to investigate every piece of information on the accounts I have listed below.

According to the FRCA The term investigate consumer report means a consumer report or portion thereof in which information on the consumers character, general reputation, personal characteristics, or mode of living is obtained with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated the accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. And according to FRCA 15 USC 1681 everything must be accurate. I have the credit report showing the inaccuracies. 
XXXX XXXX Account # on XXXX is XXXX. 
2.Account # on XXXX # XXXX XXXX. 
3.Account on Experian # XXXX. 
XXXX reports last updated XXXX XXXX XXXX reports account was updated XXXX XXXX XXXX reports XX/XX/XXXX last update 7.Experian reports last update XX/XX/XXXX XXXX reports Account # on XXXX XXXX XXXX. XXXX reports Account # XXXX XXXX reports Account # XXXX XXXX. XXXX reports last update XX/XX/XXXX XXXX reports last update XX/XX/XXXX 6.Experian reports last update XX/XX/XXXX XXXX reports Account # XXXX on XXXX XXXX reports Account # XXXX XXXX. Experian reports Account # XXXX XXXX reports last update XX/XX/XXXX XXXX. XXXX reports last update XX/XX/XXXX XXXX reports last update FXX/XX/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 2023-08-18 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 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 2023-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: LA

Complaint narrative:
We are seven months behind on mortgage payments. We requested forbearance twice due to medical costs and are still in litigation with our homeowners insurance company due to Hurricane Ida damage -- the company ( XXXX ) went insolvent in XXXX of this year and as a result all has been delayed. SLS did not acknowledge our requests for forbearance and when we applied for modification ( twice ) they only offered the option of short sale or deed in lieu. We tried to pay one month 's payment to begin catching up and sent through XXXX XXXX as certified funds but SLS refused the payment and took over a month to send it back in the form of a check. They are refusing to allow us to pay anything less than the full amount needed ( in one single payment ) for reinstatement even if it would bring us within 60 days overdue whereupon we could enter into a repayment agreement with slightly larger monthly payments for a few months. This is making it impossible to catch up and they keep adding fees to the amount ( approximately {$4000.00} at this point! ). We feel like we are being forced into bankruptcy because they will not work with us.

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 2023-08-18 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

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 2023-08-18 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: SC

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 XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX  Account name XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  Account name : XXXX XXXXXXXX XXXX XXXX Account name XXXX XXXX XXXX  Account name : XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX  Account name : XXXX XXXX  Account name : XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account name : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
In XX/XX/2023, I was approved for a Chase United Club credit card, and paid an annual fee of {$500.00}. I used the card for several months. In XXXX, XXXX, Chase sent me a letter asking for a copy of my social security card. I called to see if they had a secure portal to upload it, and the rep said no, so I mailed a copy of my social security card. 

In XXXX, XXXX, I received a letter from Chase that I needed to provide a copy of proof of my address and my social security card. 

I called them and told them I sent them my social security card in XXXX. The service rep said they saw in the system that Chase had received it. She sent me a secure portal to upload my address proof. I uploaded a copy of my utility bill to prove I live here. 

Shortly after, I received a note that they were closing my account. I called Chase and told them they should have everything, and the security rep advised that he can't access the copy of the social security card because it was sent in XXXX, and they need another copy. After talking to multiple people, I spoke to a supervisor, who understood that I have sent everything that was asked for. I told him I can't keep sending documents only to find that Chase needs something else, and they can't/wo n't look at documents previously sent. Since I have been unable to use my card ( since my account was closed, even though I sent all the documents ) I asked for my {$500.00} annual fee to be returned. I just received a letter from Chase rejecting my request for a refund. So Chase opened an account, took my fee, then closed the account even though I met all their conditions. 



As an aside, I have been a XXXX year customer of Chase. I have had Chase checking accounts, savings accounts, mortgages and credit cards. Chase has had my social security number for all those years, but now Chase claims they can't verify it, even with recent evidence I sent in XXXX.

Company response to consumer: Closed with monetary relief