vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I recently filed a complaint on an account stored on my credit report with XXXX and trans union. XXXX just sent me an update stating that the dispute is closed, and XXXX XXXX verified the account. I know I made the payments on that account in XXXX XXXX XXXX. Once again by law, I have the right to have the dates validated by the XXXX XXXX reporting me on my credit report, which would be trans union and XXXX. By law VALIDATION not VERIFICATION would be the bank statements from XXXX XXXX showing I didn't make the payments. I want my VALIDATION which I'm entitled to. If Transunion and XXXX don't provide that they would be in DIRECT VIOLATION of the Law.No one should be able to break the American Law. Without that VALIDATION XXXX and TransUnion would be False Reporting, which is a violation of the law. by other means, XXXX and TransUnion are reporting this account without my written consent. I HAVE THE RIGHT TO MY PRIVACY WHICH THE LAW GRANTS ME. PLEASE CAN TRANSUNION AND XXXX PROVIDE ME AND THE CFPB WITH THE WRITTEN CONSENT OF MY STATING TO FURNISH THIS ACCOUNT? EVERYTHING XXXX AND TRANSUNION HAVE BEEN UPDATING TOME IS FRIVOLOUS DUE TO THE FACT I VALIDATED AND HAVEN'T RECEIVED ANYTHING BUT FRIVOLOUS STATMENTS. AS STATED IN THE FCRA LAW THE CREDIT BUREAUS SHOULD TREAT ME WITH THE RESPECT THAT A CONSUMER DESERVES, WHICH I FEEL AS THOUGH I'M NOT BEING TREATED WITH THAT RESPECT. XXXX AND TRANSUNION ARE BREAKING SO MANY LAWS AND GETTING AWAY WITH IT. AT THIS TIME I'M GIVING XXXX XXXX XXXX PERMISSION TO SPEAK AND ACT UPON MY BEING. YES, I'M FAMILIAR WITH THE FCRA LAW AND THE FTC LAW, IF I HAVE THE RIGHT TO MY PRIVACY I WOULD LIKE THE XXXX XXXX ACCOUNT REMOVED IN GENERAL FROM MY CREDIT REPORT. ALSO, XXXX AND TRANSUNION CAN EVEN VALIDATE NOT VERIFY THIS ACCOUNT, WHICH SINCE THEY ARE HOUSING IT THEY MUST HAVE THE VALIDATION TO PROVIDE ME. WHEN FILING A DISPUTE WITH THE CREDIT BUREAUS ONLINE YOU ONLY HAVE XXXX SPACES TO TYPE YOUR COMMENT, WHICH IS NOWHERE NEAR ENOUGH SPACES. PLEASE STOP LETTING XXXX AND TRANSUNION BREAK ALL THESE LAWS WITHOUT NO ACTION BEING TAKEN AGAINST THEM.

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 2022-07-08 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX account number ( 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.1681 SECTION A SECTION 2 ; IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
On XX/XX/2022, I received an offer to settle my Indigo MasterCard account with Genesis Financial Solutions , Inc. for a sum of {$230.00}. I had an outstanding balance of {$650.00}. I knew that I wouldnt be able to afford to make a payment but the due date of XX/XX/2022, as is shown in the attached screenshot. Upon speaking with an agent, they informed me that I could make it past this date to close this account. 

On XX/XX/2022, I made a payment of {$230.00}. I spoke with an agent named XXXX, who informed me that this account would be shown as closed and settled. The confirmation number for this payment is XXXX. 

Unfortunately, I was then informed ( after XXXX business days and seeing this account still shown as open on my credit report ), that that payment was simply put toward the overall balance and not put toward closing my account. I was told, verbatim, that my account would be closed by XXXX, the representative. 

Furthermore, upon speaking with another representative after the XXXX days, I was lied to by the next representative I spoke to, and she said she didnt recognize the name XXXX. 

It is clear that this company is engaging in fraud and fraudulent tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
IN XXXX OF 2021 I DISCOVERED THAT A FRAUDULENT CREDIT CARD WITH CHASE BANK HAD BEEN OPENED UNDER MY NAME. THE BALANCE WAS XXXX USD AND ALL OF THE TRANSACTIONS WERE MADE ON XX/XX/2021 IN XXXX, ARIZONA. 
I IMMEDIATELY CALLED THE BANK AND THEY CANCELED THE CREDIT CARD. I ALSO WENT TO THE POLICE TO FILE A REPORT AND CALLED THE XXXX CREDIT BUREAUS TO INFORM THEM THAT I HAD BEEN A VICTIM OF IDENTITY THEFT AND PUT A FREEZE ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Issue is with Equifax Credit Bureau reporting inaccurate and unverified information on my credit report. They are reporting an inaccurate past due on all accounts totaling {$83000.00} as well as inaccurate payment history of 72 % when it should be paid 100 % due to inaccurate data from XXXX XXXX XXXX. I reached out to both Equifax on XX/XX/XXXX and XXXX XXXX XXXX XXXX via certified mails on ( XX/XX/XXXX ) tracking numbers ( XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX ) about the inaccurate reporting that should be classified under 15 USC 1666b as a billing error on their part because their inaccuracy is unverified. Equifax is illegally furnishing unverified data to say I was late XXXX times with no verification on their part nor from XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, there were unauthorized purchases made using my debit card in several locations, and the amount totaled to a little over {$1100.00}. I was alerted by Bank of America about a withdrawal that was declined, and then realized the unauthorized purchases. I reported this to Bank of America immediately after this alert, and have been waiting on their response. I also filed a police report. I've yet to receive any updates about this case.

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 2022-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP
State: CA

Complaint narrative:
US BANK has operated willfully and negligently to deny my claim as rightful owner of vehicle with license plate CA XXXX VIN : XXXX. Payment made on XX/XX/2022 for the amount of {$78000.00} was made to the account/loan : XXXX. On many occasions, US Bank has unlawfully denied my claim to the property listed above.

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 2022-07-08 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
DISPUTED ITEM - XXXX  - {$120.00} I previously disputed this item with Experian. Im extremely disappointed with Experians decision NOT to delete the five-year old {$120.00} alleged debt being disputed with XXXX. Therefore, Im submitting an appeal regarding Experians decision. 

I do NOT want Experian to forward my appeal to XXXX  for further investigation. It will serve no purpose. XXXX will immediately and robotically respond that the debt has been verified. Theyve done this with my previous disputes. Submitting this dispute to XXXX will only guarantee another unfair No Win situation for me.

Instead, Im asking Experian to please step in and make their own decision regarding this {$120.00} alleged debt, independent of XXXX input, influence, and involvement. 

My dispute with XXXX boils down to a simple, yet very frustrating He Said, She Said argument over a {$120.00} defective watch I purchased and returned, which was then LOST by XXXX over 5 years ago. XXXX is the lender that XXXX uses to provide monthly payment plans for their customers. XXXX claims that the watch was never returned. Unfortunately, Im unable to prove that it was returned because I no longer have a five-year old return postal receipt. 

Question : Under these circumstances, why has Experian chosen to believe a huge lender and retailer over an individual consumer? 

PLEASE SEE THE ATTACHED DOCUMENT FULL COMPLAINT & ADDITIONAL INFORMATION

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 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-07-08 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: VA

Complaint narrative:
In accordance with the fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX # XXXX has violated my rights. 

XXXX5 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

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 2022-07-08 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: VA

Complaint narrative:
In accordance with the fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: Security Credit Services, LLC
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: NY

Complaint narrative:
I sent a letter to each of the 3 credit bureaus ( XXXX, XXXX, and Equifax ) on XX/XX/2022 via certified mail. These are the tracking numbers for each letter ; XXXX XXXX, XXXX XXXX, Equifax XXXX. 

The letters were sent to the credit bureaus so they can investigate the inaccurate information on my credit report and delete or correct the disputed items that are listed in each letter. According to the Fair Credit Reporting Act Title 15 U.S. Code 1681 et seq., and the Code of Federal Regulations Title 12, Chapter 2, Part 222 et seq. inaccurate information and discrepancies should not be on my credit report.

Also according to 15 U.S. Code 6802, I have the right to privacy and my nonpublic personal information is not supposed to be disclosed to any nonaffiliated third party.The attached documents will show that my Federally protected consumer rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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: NY

Complaint narrative:
I sent a letter to each of the TransUnion on XX/XX/2022 via certified mail. This is the tracking number for the letter XXXX. The letter was sent to the credit bureau so they can investigate the inaccurate information on my credit report and delete or correct the disputed items that are listed in each letter. According to the Fair Credit Reporting Act Title 15 U.S. Code 1681 et seq., and the Code of Federal Regulations Title 12, Chapter 2, Part 222 et seq. inaccurate information and discrepancies should not be on my credit report. Also according to 15 U.S. Code 6802, I have the right to privacy and my nonpublic personal information is not supposed to be disclosed to any nonaffiliated third party.The attached documents will show that my Federally protected consumer rights have been violated.

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 2022-07-08 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently submitted a request for an investigation of the disputed account, which Credit Bureaus claimed was verified. Since I believed they didnt properly investigate my dispute I contact the XXXX XXXX on the previous month XX/XX/2022, via certified mail. They were responding proving to me that I was correct. Experian, XXXX and XXXX records show that it was incorrect. Since their investigation was done improperly, I need the following accounts listed below to be updated in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
o XXXX XXXX XXXX Balance Owed : {$7900.00} o XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 2022-07-08 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: GA

Complaint narrative:
It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the Inaccurate information, inquiries and accounts that needs to be removed in my file : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XX/XX/XXXX ; EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX EXPERIAN XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX. XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-07-08 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:
It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the Inaccurate information, inquiries and accounts that needs to be removed in my file : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXXBalance : {$520.00} ; XXXX XXXX XXXX Balance XXXX {$600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3700.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX. XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/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 non-monetary relief
Consumer complaint received 2022-07-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the Inaccurate information, inquiries and accounts that needs to be removed in my file : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXXBalance : {$520.00} ; XXXX XXXX XXXX Balance XXXX {$600.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3700.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX. XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation