vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 2024-05-06 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:
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 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
In XX/XX/XXXX, I recevied a statement in the mail with a number of charges that I did not recognize or make. I called the card company and reported fraud. they offered a tempoary credit while they investigated the issue. In XX/XX/XXXX, I received a statement in the mail for a partial credit, and was asked to pay a balance of {$340.00}. The company is saying that I am liable for these charges even though I did not make them. The breakdown on my statement is as follows. XXXX XXXX {$160.00} ; then XX/XX/XXXX ( {$120.00} ) then XX/XX/XXXX {$50.00}. 
I do not shop at the stores where these purchases were made and did not authorize or make these purchases. I have called the compnay at least 3 times to explain and dispute these charges to no avail. The last time I called was XX/XX/XXXX. I called in XXXX and asked for further investigation on this matter and never received any additional information. Can The company can pull the signature of the receipts as part of the investigations? if so, would like to request it so that it can be further proven that these are not my purchases.

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 2024-05-06 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: MI

Complaint narrative:
PLEASE BLOCKED AND REMOVED I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.

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 2024-05-06 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
I checked my credit profile and came across quite a few inquiries that are not 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 non-monetary relief
Consumer complaint received 2024-05-06 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: NY

Complaint narrative:
There are inquiries under my name that are a result of Identity Theft in which I have no direct engagement. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see the attached documents for these inquiries I am complaining

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was a XXXX  on a credit card account without my knowledge nor consent and I believe it dropped my XXXX XXXX without my knowledge. I used to be a XXXX  up until XXXX of XXXX. I was taken off the account. For some reason the bank added me back without my knowledge. The person who owns the account was also not aware of this. The person who owns the account tried to get their partner on their credit card account to be a XXXX  and my name was still on the account. US Bank told the owner of the credit card that they fixed it and I was off of the credit card. Their partner has a credit card with their name on it as proof. I do not know what date that was but I believe it would be in their records. Today, Monday, XX/XX/XXXX, I just logged in to see my credit score for the first time because it said that it had dropped. I was confused as to why considering I did not own a credit card. I saw and scrolled all the way down and it said I was still a XXXX  on the card. I called immediately and told them to take me off of the account. They did. The person who was helping me told me that for some reason I was added back. I told her the owner of the card and I were unaware of this and she essentially shrugged it off saying she didnt know. I asked her if the past XXXX years of my credit was reversible, considering this whole thing was without my knowledge and consent and all she did was explain to me what a shareholder was. Not taking responsibility for the companys mistake. Regardless if my credit score dropped for personal reasons or because of the owner, this should have never been an issue and I should have never been on a card I had not consented to. All phone calls should be on record with US Bank and so if they need to confirm any of this information that can look at what they have.

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 2024-05-06 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: Credit Corp Solutions Inc.
State: SC

Complaint narrative:
Requested debt validation, and current status on XXXX shows it reporting and open. No knowledge of alleged debt and creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I attended the XXXX XXXX XXXX XXXX. This school along with all sister schools have closed and were found to have misrepresented themselves I was part of the XXXX XXXX approved federal forgiveness, and wish to seek release of my private loans due to school misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
After reviewing my XXXX, XXXX and Equifax credit reports again, I have identified some inaccurate late payments that needs reporting and correction through your company. These late payments are illegal. This is a violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
To whom it may concern, upon further review of my credit report, there appears to be five out of six hard inquiries on my report in which I did not authorize or give permission for nor do I recognize them out of the six the only one I recognize is the XXXX XXXX XXXX  for when I opened my account with them. 

Inquiry details THAT WHERE NOT OF MY KNOWLEDGE OR AUTHORIZATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank America offered XXXX card holders a cash advancement at XXXX XXXX for the year before regular interest rates would apply. I called their representative and asked specifically if I paid the charges on the card to XXXX each month [ ie all the gas I usually charged ], would I be charged any money for the {$12000.00} balance that I borrowed. I was told that there would be no charges. On XX/XX/XXXX I did a cash advance of XXXX XXXX and they charged the XXXX XXXX. [ ie {$360.00} ]. On XX/XX/XXXX I received a charge of! XXXX that they said I have to pay on the {$12000.00} balance ie {$120.00}. I called on XX/XX/XXXX to complain that this was not what i was told and the if they were taking back! XXXX each month, then since I didn't have use of the full amount of the money for XXXX months, they were charging me more than the XXXX XXXX for XXXX months that they advertised. In other words, after they took back the {$120.00} XXXX XXXX of {$11000.00} would be {$350.00} not the {$360.00} they had charged me, ie I deserved a credit of {$3.00}. for that months and further credits for the following months. The woman representative said she would look at my dispute and it would take XXXX days or more. I have yet to hear from 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 explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
I received a medical collections statement from Medicredit , Inc., a subsidiary of XXXX XXXX. 

I received care from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( also part of XXXX XXXX ), on XXXX XXXX XXXX. I was incorrectly billed for the amount of {$700.00}. 

I both disputed and appealed this bill. On XX/XX/2024, my insurance posted an updated EOB indicating that the amount I owe is {$0.00}. 

I reached out to Medicredit to discuss and they gave me an email address to submit documentation, XXXX. They did not indicate next steps or when I would receive an update on the correction from their end. I then reached out to XXXX 's billing department to request that my bill be updated according to the corrected amount. The representative reported that they had not received any updated statements. I asked for contact information to submit documentation and they responded that documentation needed to come from my insurance. I pressed again for a fax and email address specifically and received the numbers XXXX and the email address XXXX. He also did not give me next steps on how the amount would be corrected or what the process was for updating bills. 

I sent the updated documentation to both email addresses. Both emails went through correctly. Both email domains are actually owned by XXXX XXXX IT department if looked up on XXXX search.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: NC

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

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 2024-05-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

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 2024-05-06 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: ACIMA CREDIT, LLC
State: UT

Complaint narrative:
I am writing in response to your recent correspondence dated [ XXXX ], in which you asserted that the alleged late payments on my accounts has been validated. I am disputing the validity of this assertion based on my rights under the Truth in Lending Act ( TILA ), specifically 15 U.S. Code 1666b, and Regulation Z, 12 CFR 1026.11 ( c ) .In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date. 

Under 15 U.S. Code 1666b - Timing of payments, creditors are required to credit payments to consumers ' accounts on the date of receipt, except when a delay in crediting does not result in any charge to the consumer. Additionally, Section 1637 ( b ) of TILA and Regulation Z provide consumers with the right to dispute billing errors, including incorrect assessments of late fees or charges.

I maintain that the alleged transaction identified as late was made within the timeframe stipulated by the terms of the agreement and should not have been considered late. Furthermore, I request that you provide proof, in accordance with the Fair Credit Billing Act ( FCBA ) and TILA, that demonstrates the validity of the alleged late payment.

Until such time as you provide conclusive evidence verifying the validity of the alleged late payment, I demand that you remove any negative remarks related to this transaction from my credit report and cease all collection activities associated with it. 

Please be advised that failure to comply with the provisions of TILA, FCBA, and other relevant consumer protection laws may result in legal action being taken against your company.

I expect your prompt attention to this matter and await your response.

Remove the follow accounts from my Credit report : XXXX # PAID : ACIMA DIGITAL FKA SIMPLE ACCOUNT # XXXX PAID : ACIMA DIGITAL FKA SIMPLE ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX, XXXX, & Equifax continue to report a late payment on XXXX that is not accurate. Neither consumer agency has sent me any documents that proves I was indeed late with these payments. I have repeated asked for what method they used to verify this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX, Experian, & XXXX continue to report a late payment on XXXX that is not accurate. Neither consumer agency has sent me any documents that proves I was indeed late with these payments. I have repeated asked for what method they used to verify this 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 explanation