vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-23 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: CA

Complaint narrative:
'm making this complaint to TRANSUNION. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things dated XX/XX/2023. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.

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 2023-05-23 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. 

XXXX XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX  : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  XXXX Account # 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 2023-05-23 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  XXXX Account # 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 2023-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I filed a complaint against this company and they took a long time to respond. Their respond was false information. I received multiple calls from them saying I owe debt. I sent a debt validation letter for them to provide to me with the following : what the money they say I owe them is for, explain and show me how they calculated the money they say I owe, provide with a copy of any documents I agree to say I was going to pay whatever is owe, provide me with any copy of judgment if applicable, prove the statue of limitations not expired for the account, show me that you license to collect in my state, provide me with your license numbers or register agent or agent of service. If this cant be provided I want the 2 out of 3 false reporting collections removed immediately from my credit report. One has already been removed. I had multiple missed calls and voicemails offering discounts on a debt that hasnt been validated. They are violating laws and this is identity fraud and a police report has been made regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: LA

Complaint narrative:
i got behind on mortgage due to loss of employment. got a new job and tried to make a payment but wounld n't except anything but the full amount. evrytime i would calll them over the next XXXX months i would be quouted a different amount. received a notice of XXXX from the parish th efirst week of XXXX. called them again XXXX times in the next month and recieved XXXX different qoutes each time.Would not take payment over the phone. asked for the reistatment letter to be sent to me on a friday. they were suppossed to overnight it. whenit wasnt here by thursday i called again and they sent it out. recieved tthree letters, 2 said XXXX and one jumped up to XXXX if i could have recieved the right number i could have saved money for that number. now my house is for auction on XXXX XXXX i thought i would have the money before then if i would have been told the right amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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:
I noticed information was incorrect on my report i need help! I reached out to the credit bureaus on XX/XX/2023 and no response! I have a right to a full investigation and a correct report! My understanding is that 15 U.S.C 1681 section 602 A. States I have the right to privacy. I will list the account below! 


XXXX XXXX XXXX Account # : XXXX please investigate and delete 2.Bankruptcy Reference # : XXXX XXXX XXXX please investigate and delete

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 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: VA

Complaint narrative:
I noticed information was incorrect on my report i need help! I reached out to the credit bureaus on XX/XX/2023 and no response! I have a right to a full investigation and a correct report! My understanding is that 15 U.S.C 1681 section 602 A. States I have the right to privacy. I will list the account below! 


1.XXXX XXXX XXXX Account # : XXXX please investigate and delete 2.Bankruptcy Reference # : XXXX XXXX XXXX please investigate and delete

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 2023-05-23 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: AL

Complaint narrative:
I have notified the companies such as : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX of the fraudulent activity. they refuse to remove the inaccuracies insisting that they are accurate. In fact and by law they are not accurate and are illegally using my information without my written consent.

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 2023-05-23 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: CA

Complaint narrative:
I have traveled to US on XXXX as a tourist and then went back to XXXX to get my documentation and got my renewed SSN ( I first got it 10 years ago when I was in USA for three months as a XXXX  ) on XXXX only. 

I opened my Experian and noticed that somebody took my SSN and opened {$710000.00} mortgage at XXXXXXXX XXXX XXXX on my name. 

I disputed it twice via Experian but they say the dispute was denied by the company. 

I have my I-92 form as a proof that I entered the country as a XXXX  on XXXX until then my SSN was not even active. 

I would really appreciate your help. 

Thanks!

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 2023-05-23 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX unauthorized ACH debits of {$10000.00} each were made in XX/XX/2022 and XX/XX/2022 from my First Republic Corporate account which was caught during our audit this year. Upon reporting the fraud to FRB, they reached out to XXXX XXXX XXXX  a couple times, however, they have not responded. FRB said its been over XXXX  days since fraud so they are unable to help further besides send a letter to them. FRB sent me terms that indicates ACH fraud is not FDIC insured. {$20000.00} is a lot of money and I would like it recalled. Is there any way to help?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX  IS A DEBT COLLECTOR TRYING TO COLECT ON A MEDICAL DEBT, THAT MY INSURANCE, MEDICARE AND XXXX SHOULD HAVE HANDLED, THEY ARE FALSELY CLAIMING I OWE THEM XXXX, FOR XXXX. I AM ON SSDISO MY INCOME IS FEDERALLY PROTECTED FROM THIS COMPANY. I WISH FOR THEM TO HAVE THIS REMOVED FROM MY CREDIT FILE, BUT FOR NOW HAVE IT NOTED THAT IT IS BEING DISPUTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: RI

Complaint narrative:
Letter of dispute regarding fraudulent activity & IQ-Data Collection agency.

*Please help in correcting current balance to original balance, updating/removing or closing if no proof of authorizing and/or signed agreement by me regarding collection of any interest, fees, charges or expense added by IQ-Data & not allowed per XXXX & Federal FTC Fair Debt Collection Practices Act* The following are the areas of dispute. 

1 ) Fraudulent activity by IQ-Data.

a ) IQ-Data has continuously and currently collects/ attempts to collect interest, fees, charges and expenses onto the original balance without any known authorized agreement to do such. No known authorized agreement by me to allow such.

b ) The original amount of debt is {$5300.00} and should have remained such with zero added fees etc. not expressly authorized. 

c ) Please verify & request proof with IQ-Data of any authorized agreement by me or original party ( XXXX XXXX XXXX reporting debt allowing such charges. 

d ) If no proof, evidence or response provided from IQ-Data please help with updating/removing or closing from credit report.

2 ) Violation of the XXXX & XXXX Fair Debt Collection Practices Act. Section 808. 

a ) Such fraudulent charges are in direct violation of the XXXX Fair Debt Collection Practices Act, Chapter 14.9, Section ( a ) & Federal FTC Law, Fair Debt Collection Practices Act, Section 808. 

a ) Please request to have proof submitted by IQ-Data of any authorized agreement by me or original party ( XXXX XXXX XXXX reporting debt allowing such charges. 

b ) Unless provided with proof of such amount is expressly authorized by the agreement creating the debt permitted by law or by me please assist in updating/removing or closing from report. 

3 ) Violation of the Federal Fair Debt Collection Practices Act. Section 805.

a ) IQ-Data has contacted my place of employment on XX/XX/2023. 

b ) Current employment is with the XXXX XXXX Department. 

c ) IQ-Data has knowledge that employer is with the fire service & calling a government building. 

d ) IQ-Data has reason to know that my employer prohibits me from receiving such communication due to type of job, nature of job, type of establishment it is. 

e ) All is in violation of the Federal Fair debt Collection Practices Act, Section 805, Communication in connection with debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I logged into my Chime app for the first time in several months. I had not logged in recently as I have been unemployed and not receiving any income. Upon logging in, I saw that I had received a deposit from my prior employers XXXX distribution that I was not aware of. {$1000.00} was automatically transferred from my checking account to my associated XXXX XXXX XXXX XXXX on XX/XX/XXXX. Beginning XX/XX/XXXX, there are several transactions posted that I did not make, as follows : {$53.00} at XXXX, {$10.00} at XXXX XXXX XXXX, {$280.00} at XXXX, {$170.00} at XXXX, {$23.00} at XXXX XXXX, {$63.00} at XXXX XXXX, {$14.00} at XXXX XXXX, {$29.00} at XXXX XXXX, {$39.00} at XXXX, {$81.00} at XXXX, {$5.00} at XXXX, {$43.00} at XXXX, {$150.00} at XXXX XXXX XXXX {$24.00} at XXXX and {$73.00} at XXXX XXXX  XXXX Upon reviewing these charges, I went to look for my credit card and it was not in my wallet nor anywhere in my home. I immediately contacted XXXX XXXX  for help, and a dispute was filed. On XX/XX/XXXX, I was notified my dispute was denied. That same day, I requested the reasoning and was told it would be emailed to me within XXXX business days. On XX/XX/XXXX, I again requested this documentation. I have yet to be provided with any reasoning for this denial. I did receive a new credit card in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Credit Corporation
State: VA

Complaint narrative:
I have reached out to NCC three times, on three separate occasions, to request verification of debt over the last 3 months ( 90 days ). The representatives keep telling me my requests have not been processed and " hopefully '' something will be mailed to me. I called the original creditor and they don't have anything on file for me and told me to contact the debt collector again. Nothing has been provided to me. I can not verify this debt is mine and they have continuously failed to prove that. I want to dispute the validity of this debt due to XXXX 's failure to provide me materials I need to verify this is mine.

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 2023-05-23 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: WV

Complaint narrative:
Ally Financial XXXX XXXX XXXX This company has been calling a number belongs to an elderly family member whom is not included on anything regarding my loan on the vehicle. Therefore they do not need to be involved or contacted with ANY of my information. I realize my payments have been behind but I am making them as I am able to. I do not know how they found this member 's phone number but this is absolutely uncalled for and an invasion of my privacy. I want it stopped NOW.

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 2023-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
In response to CFPB complaint ID XXXX, TransUnion falsely states that my Vantage XXXX credit score, which decreased and dropped by XXXX on XX/XX/2023, as a result of removing and deleting the derogatory collection account from XXXX Associates XXXX TransUnion intentionally deflected responsibility for my XXXX XXXX credit score 's decrease to a third-party. This is untrue and deliberately false. I have attached a screen shot of my credit score from TransUnion itself, which shows that TransUnion itself calculated the XXXX XXXX score -- it was not calculated by a third-party company. TransUnion also falsely asserts that I am claiming they make credit decisions. I am fully aware that credit decisions are made by the credit grantor, who obtains my credit score from TransUnion -- and TransUnion 's XXXX XXXX score that TransUnion calculates. As previously stated, TransUnion deleted and removed derogatory collection account XXXX Associates from my credit report on XX/XX/XXXX. This was the only change that was made to my credit report that day. As a result of removing this derogatory collection account, TransUnion 's XXXX XXXX XXXX XXXX, provided to me as part of my TransUnion XXXX XXXX XXXX and attached as a XXXX file to this complaint, decreased and dropped by XXXX points. TransUnion is doing nothing more than passing the buck and playing the 'it 's not our problem '' merry-go-round ride. When removing a derogatory collection account from my TransUnion credit file, and this was the only change made, my TransUnion XXXX XXXX score should have increased. Instead, TransUnion 's credit scoring system is penalizing me for having the derogatory collection account deleted from my credit file. XXXX XXXX credit scoring system is a scoring system developed and maintained by TransUnion, and TransUnion is falsely and knowingly lying by saying a third-party is responsible for the calculation of my XXXX XXXX credit score. Additionally, once more, I called TransUnion 's XXXX XXXX XXXX customer service phone number on XX/XX/XXXX, and I received offshore representatives who speak XXXXimited English and did not understand the situation explained to them, because they can not clearly speak or understand English. When asked to be transferred to a United States representative and/or a supervisor or manager, each offshore customer service representative says they can not honor this request and/or they will arrange a callback within XXXX hours.

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 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Transunion did not do a thorough investigation. Further harm and endangerment to my child and myself as protected members under the ADA

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 2023-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: IN

Complaint narrative:
On XX/XX/2023, I, XXXX XXXX, contacted Rent Recovery Solutions LLC, requesting that I be mailed the following documents in reference to a debt : a. Original Contract b. Billing associated with account c. Creditors information d. Authorization to collect debt However, Rent Recovery Solutions indicated that they will not send a copy of the authorization to collect the debt to me.

Company response to consumer: Closed with explanation