vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-25 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 XXXX XXXX XXXX, am filing this CFPB compalint in reference to disputes. That were sent cerified to the three major credit bureaus. XXXX, Trans Union, and XXXX in the filing of these disputes for request for reinvestigation I never got any results from my dispute for reinvestigation. I sent my disputes by certified mail, and yet I was not provided any information back at all. 
XXXX, Trans Union, and XXXX XXXX XXXX XXXX XXXX Have violated my constitutional Rights under FCRA , 15 USC 1681Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is accurate and recvord the current status of the disputed information, or delete the item from my file before the end of the 30 day period beginning on the date you received this notice. 
My didpute was sent by certified mail, I demanded to see verifiable proof ( This should have beeen hard evidence that goes all the way back to the original creditor, not verification from a third-party database. 
The three major credit bureaus, XXXX, Trans Union, and XXXX XXXX XXXX XXXX XXXX Have continually violated my rights by continual noncompliance as it relates to violation of the FCRA 15 USC 1681. 

( See attached uploaded disputes violations ). 

As, of the sending of this CFPB complaint, I will be following up with the filing of Civil lawsuits. Against the creditors and the three major credit bureaus, for the violation of my federal constitutional rights.

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 2023-07-25 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: CA

Complaint narrative:
I have called and mailed in a letter to remove inquiries on my trans union credit file. 
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 2023-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, I was in XXXX XXXX and attempted to use the United Lounge as promised by my United card which comes with two one-time passes each year. 

One-time passes were not accepted, apparently due to scheduled construction and not an exceptional event. In addition, I attempted to use the " pop-up '' United lounge  and was also rejected. 

If these passes are not usable when needed, then this perk is not worth much and misleads consumers. Specifically, United/Chase has the ability to inform me specifically ( without me needing to search deep on the website ) if the clubs are unavailable. This might change my travel plans and is presumably why they don't bother. I could have flown XXXX for less but paid extra to use the lounge and escape the crowds. 

United/Chase should provide some sort of remuneration when this situation arises.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, California XXXX SS XXXX  : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute and request the removal of certain items on my credit report that I believe are in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Fair and Accurate Credit Transactions Act ( FACTA ), the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ). 



Upon reviewing my credit report, I have identified the following issues : Unauthorized Credit Inquiries : a ) XXXX  - Date of inquiry : XX/XX/XXXX b ) XXXX - Date of inquiry : XX/XX/XXXX c ) XXXX XXXX - Date of inquiry : XX/XX/XXXX d ) XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX e ) XXXX - Date of inquiry : XX/XX/XXXX f ) XXXX XXXX - Date of inquiry : XX/XX/XXXX Under the FCRA, I have the right to dispute and request verification of these unauthorized credit inquiries. I have no recollection of authorizing these credit pulls, and I demand their immediate removal from my credit report as they are negatively affecting my creditworthiness. 



Incorrect Personal Information : a ) The following address is incorrect : Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX b ) The following address is incorrect : Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The FCRA and FACTA grant me the right to have accurate and updated personal information on my credit report. I request that you promptly remove these incorrect addresses from my credit report to ensure its accuracy. 



In accordance with the FCRA and TILA, I also dispute an account that is not mine. The account details are as follows : Account Number : I demand that this account be thoroughly investigated, and its information be removed from my credit report as soon as possible. 



I urge you to take these matters seriously and conduct a comprehensive investigation as required by law. Under the FCRA, you have a duty to investigate and respond to disputes within 30 days of receipt. Therefore, I request that you provide me with a written confirmation of the investigation 's completion and the actions taken to rectify these inaccuracies. 



Failure to comply with the above-mentioned laws and to address my concerns within the stipulated timeframe will leave me with no choice but to seek legal remedies to protect my rights under the FCRA, FDCPA, FACTA, TILA, RESPA, ECOA, and FCBA. 



Please provide me with your investigation results at your earliest convenience. I can be reached at the contact information provided above. Thank you for your attention to this matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 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: NJ

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 non-monetary relief
Consumer complaint received 2023-07-25 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting ad. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 2023-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: NC

Complaint narrative:
Our mortgage was sold to Fay Servicing at the end of XXXX XXXX XXXX XXXX XXXX. Our mortgage was with XXXX XXXX prior to this transaction between the two companies. As of XXXXXXXX XXXX statement with XXXX XXXX we were current ( this documentation was provided to Fay servicing. ). XX/XX/XXXX was our first statement from Fay Servicing. Our first statement from Fay Servicing showed that we owed {$4400.00} ( which was not correct. ) On this statement they indicated we did not pay our mortgage payment with XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX. I reached out to my attorney & we provided proof ( statements & cashed check images ) of payments for every payment they claimed we did not make. 

On XX/XX/XXXX I received a Notice of Default from the XXXX XXXX XXXX dated XX/XX/XXXX. This letter stated that I was in default for not paying our 3 regular payments from XX/XX/XXXX - XX/XX/XXXX. We again provided poof that those payments were in fact made. 

Since I am in XXXX Fay servicing will not talk to me directly without a letter from my attorney. I communicated all the requirements for that letter to my attorney which they have sent three consecutive times. Fay Servicing claims they have not received those letters or has denied them. I have confirmed with both parties, XXXX that all the information was correct & the email address Fay Servicing provide me was accurate ( XXXX. ) They have made it impossible to resolve this matter and have no grounds to claim we are in default or file a Notice of Default with the courts. 

I will be happy to provide any and all documentation showing all payments they claim have not been paid, are in fact paid. They have seen all these documents via my attorney & instead of resolving the matter have continued to send us bills and letters from their attorney. It is harassment & deformation at this point. 

I also would like to note they have XXXX star reviews on google all claiming very similar instances. It seems they have already been fined several hundreds of millions of dollars for these types of practices. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notice of Dispute : Violation of FCRA Rights - Account # XXXX To Whom It Concerns, I am writing to formally dispute the accuracy of information on my credit report regarding account # XXXX, the Charge-off account from XXXX XXXX. I believe that you have violated my rights under the Fair Credit Reporting Act ( FCRA ) by not conducting a proper investigation into this matter. 

I request the immediate removal of account # XXXX, along with all related late payments, from my credit report. These items do not accurately represent my credit history and are adversely affecting my financial standing. 

As a consumer, I want to remind you of the following rights that protect me under the FCRA : 1. The right to have inaccuracies on my credit report thoroughly investigated and corrected.

2. The right to receive a complimentary copy of my credit report once every 12 months from each credit bureau.

3. The right to dispute any erroneous information with the credit bureaus and have them perform a fair and timely investigation.

4. The right to know the sources of information that contribute to my credit report.

I expect you to handle this dispute promptly and in compliance with the law. Kindly provide written confirmation once the investigation is complete and the disputed items are removed. 

Thank you for your immediate attention to this matter. 
Sincerely, 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 2023-07-25 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: Branch Messenger, Inc.
State: CA

Complaint narrative:
My card was stolen and a bunch of unauthorized transactions occurred and I was trying to keep my money in that account to save. Ive already filed a complaint about this issue and the company said theyd look into it. Ive filed the unauthorized transactions on time and they told me they filed the dispute successfully and I emailed them again and they got back to me saying they cant do anything about it and I didnt file dispute on time. I just need my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: VIRTUOSO SOURCING GROUP, LLC.
State: NV

Complaint narrative:
LAst week, I was contacted by the debt collector virtuoso sourcing RE : a debt with XXXX XXXX in an amount of approximately {$54.00}. this debt was tied to a gas bill. The gas bill was paid directly with XXXX XXXX Upon interrogation, I informed the debt collector that the debt was paid and it was best they communicate with the company for further confirmation. The debt collector wanted to extract more information from me, upon which I informed them I would not be updating or confirming any information and revoked any further phone contact. I have received calls on XX/XX/XXXX ( which I didn't answer ) and XX/XX/XXXX. Upon speaking to the representative, I informed them that I previously revoked permission to communicate with me via phone. The representative told me that I did not revoke permission and continued to interrogate me for new information and payment. I informed the representative that payment has been made to the company and any further communication should be with them, as I revoked permission to call me. The representative continued to make me pay her or prove that I didn't owe. I escalated the call to a supervisor who piggybacked these sentiments initially. I then informed her she was actively commiting a CFPB violation to which she apologized, said I would be added to the do not call list, yet still insisted I make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: 2288984 Ontario Inc.
State: MI

Complaint narrative:
On XX/XX/2023, I applied for a online loan with a company called Money Key, they called me and said that I was approved for {$5000.00} and then they asked me how much do I want to borrowed, then I said {$3000.00} and then they told me that they have to put insurance on they money in which they said it would be {$900.00} that they will send me and that I would have to send the money back to them. So they told me to go to XXXX and get a pre paid card and load the money on the card, .so I did and I had trouble getting the money out of my checking account, so they told me to go to a ATM machine to draw the money out of my account, out of the {$900.00} that they said they sent to me, I only could get {$300.00} out of my account And my checking account is overdrawn {$560.00}. Now Im behind for my XXXX and my XXXX on bills, Im not going to have money too pay for my Rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting ad. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting ad. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 2023-07-25 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: TN

Complaint narrative:
I HAVE NO acknowledgement OF THIS ACCOUNT CREDENCE RESOURCE management. IT IS REPORTING ON MY CREDIT REPORT. I DEMAND THIS fraudulent ACCOUNT BE REMOVED. 

ALSO, ADDRESSED I NEVER LIVED 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 2023-07-25 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: Kwikcash, Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kwikcash XXXX XXXX XXXX XXXX XX/XX/23 I have contacted businesses but I have been getting the run around trying to correct issue due to the account being hard inquiries on report is damaged mine credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: CCF Intermediate Holdings LLC
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/23 I have contacted businesses but I have been getting the run around trying to correct issue due to the account being hard inquiries on report is damaged mine credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into 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