vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
When I pull my XXXX, XXXX, and Transuion credit reports from XXXX or from each credit reporting site directly, I see my full credit history going back over 20 years with dozens of accounts and with only small variations between each report that are normal given that various creditors may report to different agencies. But when creditors request my report from Transunion, they are receiving a credit report that has almost no accounts and no credit history on it. For example, XXXX card says that they are receiving a credit report from Transunion that shows I have only two accounts open with a credit age of 6 months even though I have had a XXXX credit card open for 17 years. XXXX XXXX  tells me that they see I have no open accounts or credit history at all despite the fact I have XXXX loans with that bank. Other lenders have reported receiving similar reports that show I have little to no credit history. 

I contacted Transunion to complain about this. They said that my credit report looks fine on their end. They told me that when they send out credit reports in response to requests from lenders that data is sent through a company called XXXX that Transunion bought a few years ago. Transunion told me to call XXXX. When I called XXXX, they told me the data they are receiving from Transunion shows I have nearly no credit profile with no accounts open. XXXX told me to file a dispute on their website, factortrust.com. When I went to that website, it redirected me to the Transunion website. When I tried to log in to file a dispute, I was sent to a webpage that did not load anything. When I called Transunion, I was asked about 20 verification questions by their voicemail system to verify my identity and was then disconnected. At this point I am unable to proceed so ask for help from the CFPB in getting my report information correctly transmitted to banks, lendors, etc. This incorrect reporting of my credit history is causing me substantial financial harm as it has limited my ability to apply for credit as many lendors use Transunion to check credit during the application process. 

I have uploaded pdfs of what XXXX is receiving ( limited, incorrect info ) and what XXXX shows ( correct info ).

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 2023-02-10 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: IN

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, IN, XXXX ] RE : Request for Records Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act [ 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] [ Dates of fraudulent transaction XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : [ XXXX XXXX XXXX ] I am a victim of identity theft. The thief [ made a fraudulent transaction in my name. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me with copies of business records relating to the fraudulent [ transaction/account ] identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic.

Please provide all records relating to the fraudulent [ transaction/account ], including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Please send these records to me at the above address.

[ If applicable : In addition, I authorize the law enforcement officer who is investigating my case to submit this request on my behalf and/or receive copies of these records from you. The law enforcement officers name, address and telephone number is : [ insert officer name, address and telephone ]. Please also send copies of all records to this officer. ] Sincerely, 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 2023-02-10 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: MD

Complaint narrative:
Experian - Refuse to remove items off of my credit report that does not belong to me. I have utilized their very own system from fraud alerts because I am a victim of identity theft XXXX XXXX XXXXXXXX Report XXXX XXXX XXXX its reporting by data furnished but anybody that use a social security will in a data furnished. Make it make sense also have a FTC report XXXX XXXX XXXX- reporting XXXX  acct # XXXX XXXX ( which is repoed but I never missed a payment ) that right there should tell you fraud because why would they repo a car that never was late ) Simply was not my car. Investigations are very poor and not in compliant with the Fcra and consumer laws. 

XXXX XXXX XXXX XXXX reporting XXXX  acct # XXXX XXXX ( which is repoed but I never missed a payment ) that right there should tell you fraud because why would they repo a car that never was late ) Simply was not my car. Investigations are very poor and not in compliant with the Fcra and consumer laws. 


XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Please proved that I lived, show me the lease and I will pay you! I never lived in this apartment where this gas was associated with also have FTC report These reporting agencies are breaking not XXXX, not XXXX but multiple FCRA laws and they are not in compliance. 
The inaccuracies on the report alone is ridiculous. This is very much against the law If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, XXXX item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ... ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. The Consumer reporting agencies are also in violations of ... 15 U.S.C 1681 section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : Sates a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) 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 9A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15. U.S. C 1681 C Section 605 B 15 U.S C 1681 e ( b )

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 2023-02-10 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing theis because Equifax has been reporting inquiries to my consumer report that I do not recognize. These is a severe violation of my consumer rights as protected under 15 USC code 1681B in which Equifax is not allowed to report these inquiries without my knowledge or consent and have repeated demanded that they be removed with no results from agents on the phone. I intend to pursue legal action against Equifax if they continue this illegal reporting of these unauthorized inquires to my consumer report. I have also filed reports with the FTC, CFPB and the XXXX. The following inquiries need to be removed immediately : 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 2023-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.

Complaint narrative:
Contract with XXXX Citibank XXXX Current Account No.- XXXX and The Product XXXX Check N.- XXXX XXXX and XXXX Citibank Visa Credit Card XXXX XXXX, I XXXX XXXX XXXX XXXX XXXX Serious Illness, I Was Hospitalized, Respectfully Request XXXX Citibank XXXX The Protection for Illness Grave and XXXX XXXX XXXX XXXX Balance of the debt of The Two ( 2 ) Products, of the Product XXXX Check N.- XXXX, and of the Citibank Visa Credit Card XXXX XXXX, XXXX Citibank XXXX Did Not Cover XXXX XXXX XXXX XXXX XXXX Such Arbitrariness, File Before XXXX XXXX XXXX XXXX XXXX The Respectful Request For Coverage And Protection Of The Two ( 2 ) XXXX XXXX The Insurer XXXX XXXX XXXX Only Covered A Single Product : The Citibank Visa Credit Card No XXXX.- XXXX, remaining at Peace and Safe, Arbitrarily did not want to Cover the Product XXXX Check N.- XXXX, Arguing more Document Demands, I have been persecuting XXXX ( XXXX ) houses for XXXX ( XXXX ) of collection, I have again requested the XXXX bank XXXX XXXX and XXXX insurer Definitely cover the Product XXXX Check N.- XXXX XXXX to make matters worse, they arbitrarily report that they sold the Bank to XXXX XXXX. I send as proof XXXX extract where the Products are observed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
According to the FCRA, agencies must correct or delete inaccurate, incomplete, or ( unauthorized/unverifiable hard inquiry ). Inquiry Date XX/XX/2022 for JPMCB - Card Service. I have attempted to dispute this inquiry with all three credit bureaus and JPMCB. JPMCB agreed to investigate and remove the inquiries due to identify theft, however the inquiry remains on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XXXX XXXX I logged in to my BOA account to view my min pmt due XXXX credit card. It showed a minimum payment due on XXXX of {$82.00}. I transferred {$100.00} via BOA XXXX from my checking to my credit card with BOA and and the payment cleared on the XXXX of XXXX. However, the XXXX was not applied to the minimum payment due. I called on the XXXX of XXXX and spoke with a XXXX and the XXXX and she stated that she would reverse the {$100.00} to my checking account and so that I could submit the payment. She stated it would take 10 days. I allow XXXX to pass and followed up today and the fund were not reversed. XXXX stated that it could take another XXXX if he submit a reversal request but by then it would hit my credit. I had to pay an additional {$82.00} on top of the {$100.00} that I had paid to keep from my credit being affected which isn't right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
on XXXX  I paid my Bank of America credit card in full using BOA portal. conf # XXXX. The payment cleared my checking account. On XXXX  I learned the payment was never credited to my account. XXXX in SC advised it takes 10 days to correct. Advised my payment was posted to a closed account I was affiliated with and could give no further info. As of XX/XX/XXXX this has not been corrected. I have called BOA multiple time. XX/XX/XXXX spoke with XXXX in TX, referred to XXXX in MD XXXX XXXX, to XXXX in XXXX XXXX  to XXXX XXXX cards to small business, back to XXXX in CA in XXXX XXXX - was disconnected. XXXX XXXX in DE XXXX XXXX was very helpfull said goes to payment research takes 1-2 billing cycles and will be refunded interest and late fees. My card maxed out in the process and I was told I could make another payment or request a credit limit increase. This is a ridiculous amount of time to wait for the correction in todays world you can money around the globe very quickly. 
I would like my account corrected immediatley and fees and interest refunded.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CCF Intermediate Holdings LLC
State: ID

Complaint narrative:
I got a Payday Loan from Check Into Cash back in 2007. I thought we paid it off. I have gotten several phone calls from " XXXX XXXX " a few days in a row now. His phone # is XXXX. He claims to be contracted by the federal Government to prosecute check fraud. He swears, He yells, He says I'm going to have you arrested today, I'll ruin your credit, I'll get you fired, I'll take your tax return if you don't pay me {$870.00} by XXXX  or XXXX  right now. He called my Mother in law, my step mother, my brother in law, my wife & made the same threats. He left several voicemails on each line so I have proof of these actions. When I spoke with him he refused to provide any documentation to support his wild claims. 

I have talked to legitimate debt collector about debts. Never are they this hostile.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CDS Debt Relief, LLC
State: IN

Complaint narrative:
Back on XX/XX/XXXX I received an email from XXXX XXXX XXXX. 
I followed the instructions and called the number. I was told that based on my credit score, I would have to enroll in their debt relief program through CDS Financial for 30 to 60 days for them to work on my credit score. They said they would get accounts dropped from my credit report so that I would qualify for the loan described on the document. They even said I would qualify for even more money. On XX/XX/XXXX I signed an agreement and agreed to pay {$270.00} a month. I called them after 30 days and again after 60 days. Each time they said they needed more time. 
So, I called in XXXX and XXXX notifying them that I had not heard from the about any progress being made on my credit report. In XXXX when I called they offered to defer my XXXX payment, which I excepted. But shortly after that I found out that one of my accounts listed with them ( XXXX XXXX  XXXX ) had been charged off, which lowered my credit score. I immediately called the and told them that wanted to cancel my agreement. I asked them for an email confirming the cancellation. I received that email on XX/XX/XXXX. ( Enclosed ) Since then I have called almost everyday asking about my refund. I get no answers as to when I will receive it. The last thing I was told was that there XXXX department has been down for over 30 days, which I don't believe. My refund should be {$1100.00} which is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Case # XXXX I was made aware via my credit report that there's a bankruptcy in the public records section of my credit report. This bankruptcy does not belong to me and I did not permit anyone to file a bankruptcy using my personal information. I contacted the bankruptcy courts to dispute the public record and I was advised that they do not report to the credit bureaus. I received a letter from the courts and I will be attaching it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Case # XXXX I was made aware via my credit report that there's a bankruptcy in the public records section of my credit report. This bankruptcy does not belong to me and I did not permit anyone to file a bankruptcy using my personal information. I contacted the bankruptcy courts to dispute the public record and I was advised that they do not report to the credit bureaus. I received a letter from the courts and I will be attaching it.

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 2023-02-10 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: GA

Complaint narrative:
I received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX I have attached a copy of my ID for identity verification and a bill for address verification.

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 2023-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
Credit control corp place a collection account on my credit report.

I never received any email or letter providing any info on the account. 
I contacted the company asked for a detailed list of what I was being charged for and didnt receive it

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist bank is saying I have an account with them and i do not! it looks like the account was actually opened up with light stream in 2020. I asked them to send me a copy of the contract which they did and the signature of both me and my husband that they have recorded are not ours. I do not recognize this account. This is not my account, we never opened up this account we never used the funds. The account is negatively reporting on our credit. I have told the company several times we do not recognize this account. Its fraud. They continue to ignore us. I would like this closed and remove from our report since it is not ours.

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 2023-02-10 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: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
I Have recently looked into my consumer reports and noticed private identifying information that i have not given permissions to be shared or furnished therefore according to consumer laws my rights to privacy have been severely violated. Also the furnishing of the information on those reports without my written permission further violates my federally protected rights and constitutes identity theft. According to 15 U.S.C.1681b ( a ) ( 2 ) and 15 U.S.C.1681 ( a ) ( 4 ) please send me proof that i gave prior instructions in writing to furnish account # # # # # # XXXX And i DEMAND this account be deleted until proof is shown Pursuant to 15 U.S.C.1681 ( b ) reasonable procedures have not been followed to be fair and equitable to I, the Consumer.

Company response to consumer: Closed with explanation