vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

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 2024-08-29 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
I am XXXX XXXX, I'm writing to express my concerns regarding several issues I have encountered with the credit bureau. These include inaccurate account listings, erroneous credit reporting, billing discrepancies, and accounts that do not belong to me.

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 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
"

I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hi my name is XXXX XXXX, and it has been brought to my attention that my social security number was apart of a Data Breach. After care review of my consumer report I have notice several Inaccurate accounts being reported on there as well as Inquiries. At this time I would ask if those inaccurate accounts on my report be Deleted immediately. Thank you. This is not a third party filing this complaint.

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 2024-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC

Complaint narrative:
In XX/XX/year>, I received an unexpected bill from XXXX XXXX XXXXXXXX XXXX XXXX for XXXX XXXX provided to my mother, XXXX XXXX, who has been under Medicaid and Medicare coverage for the past three years. Given that her primary and secondary insurances have consistently covered all her medical expenses, the sudden appearance of this bill raised significant concerns. Despite my mothers ongoing Medicaid and Medicare coverage, which should have fully covered the services in question, the bill indicated an outstanding balance of {$2500.00}. 

To resolve this discrepancy, I promptly sent a formal dispute letter on XX/XX/year>, to both XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX requesting a thorough review of her billing records and coordination with her insurance providers. To date, I have not received a response from either party. My mother, who is now in XXXX XXXX due to XXXX XXXX, is unable to manage her own affairs, and this unresolved billing issue has added unnecessary stress during an already difficult time. I am seeking the Consumer Financial Protection Bureaus assistance to ensure that this matter is investigated and resolved fairly and promptly. 

Since receiving the bill, I have found it increasingly difficult to locate any legitimate information about XXXX XXXX XXXXXXXX XXXX XXXX  There appear to be similar entities with the name XXXX XXXX XXXX of [ State Name ] in various states, which adds to the confusion and raises concerns about the authenticity of this debt. It seems that Wakefield Associates and XXXX XXXX XXXX, the debt XXXXollectors involved, may be engaging in predatory practices by attempting to collect a debt that I firmly believe is not owed. This situation has caused significant distress, and I am seeking the Consumer Financial Protection Bureaus assistance in investigating these companies and ensuring that this matter is handled with the scrutiny it deserves. 

Importantly, I should note that each time I received a bill from them over the years, I immediately contacted them by phone and was assured they were working with out with insurance. As you can see from the attachments. The did work out most of it and now are trying to squeeze someone with no assets for $ XXXX she doesn't have right before her death.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Javitch, Block & Rathbone LLC
State: MI

Complaint narrative:
I have repeatedly attempted to contact XXXX XXXX since XX/XX/year>. I still have received no response to voicemails or my email. I am growing frustrated with this lack of communication and it feels like unfair debt collection practices. Being that its now been more than 60 days from my original request of information. I am requesting this debt be discharged. I have also attached proof that I called on XX/XX/year> and left a message. That call was never returned either.

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 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-08-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
While preparing my XXXX tax information, I noticed some unexpected transactions labeled " XXXX XXXXXXXX XXXX, NY '' on my bank statements. Confused, I reached out to XXXX to get more details, but there were no corresponding transactions in my XXXX account. After researching online, I discovered that others had also been scammed by this company. 

Concerned, I immediately filed a claim with my bank, Capital One. These unauthorized transactions occurred from XX/XX/XXXX to XX/XX/XXXX, totaling a little over {$4500.00}. Unfortunately, the bank only reimbursed the charges from XX/XX/XXXX, leaving over {$4200.00} unaccounted for. 

I'm reaching out in the hope that you can assist me in recovering the remaining amount. Losing that much money is devastating, and while I acknowledge I should have been more vigilant, it's clear that this was a scam. 

I can provide my bank statements if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened my citi bank account on Tuesday XX/XX/2024 online without any problem. I created the online username and password and everything worked as normal. I had deposited a {$37.00} check that I had and it cleared and everything. I did nothing wrong.. The following day Wednesday XX/XX/2024 I enrolled in XXXX  and and didnt have any problem with that as well my account was funded from the mobile check deposit and everything was fine. I would even log into the account to make sure everything was fine. I received a XXXX payment at around XXXX XXXX  that same day for about {$460.00} now my account has {$490.00} but still no problems with closure or anything. So a couple hours passed and around XXXX pm the same day I checked my account because I was going to XXXX  to my fiance because we needed to pay bills and I didnt have a card for the account yet to get the money off since its only been open for a day and a half. It when I login its asking for verification. Stating that a pin was changed or something on my online has changed which is a TOTAL LIE! How the heck could I have change a pin to a debit card that I NEVER received. And now XXXX cant even login to my account because I dont have the card or card number thats needed to verify!!! I need my money its literally the end and beginning of a new month so bills are due! Thats almost {$500.00} thats stuck on my account!!! So I called and tried to figure out what was going on and they kept transferring me and giving me new numbers to call! I was told by the agent that my account was going to be closed! And that I have to wait until the account is closed and I have to wait until they mail a check! I CANT WAIT THAT LONG! I need my money right now! Its so weird that as soon as I get money in my account all of a sudden I need to verify. They are falsely closing my account! I did nothing wrong! I want my money! This is going to put me behind on rent! And other bills is causing a huge financial burden for me Im literally unable to eat or do anything without that money! I called today Thursday XX/XX/2024 and was given tamer another number to call! I need my freaking money, I will never use that bank ever again after going through this!

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 2024-08-29 00:00:00
Product: Credit reporting 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:
XXXX XXXX XXXX  This company is reporting late payments on this account this company XXXX account XXXX XXXX XXXX to a CFPB complaint on XX/XX/2024 confirming that no late payments were reported to the bureau for XXXX credit builder card for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I filed a dispute with Experian because they had my XXXX XXXX account number displayed in plain text, ie the account number was NOT MASKED! All other account numbers are and have always been masked. The sent me a message showing the dispute was settled by showing me the account number was now masked but NO explanation of why it was not previously masked or how long it had been in the database unmasked! Of course I would not be the only person effected by this, it would be all XXXX XXXX customers because this would have to be a coding issue. If their database is hacked like so many are these days they have ALL of my information, names, addresses, phone number, date of birth, social, etc. Everything a hacker would need to steal my identity. This is can not be excused! I have no ability to refuse the credit bureau my personal information so their disregard for security is inexcusable. It is a joke that this company is trying to sell people identity theft protection!

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 2024-08-29 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm XXXX XXXX XXXX. I'm writing to share my concerns about several issues I've encountered with the credit bureau. These include incorrect account listings, inaccurate credit reporting, inconsistent billing, and accounts that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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