vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-23 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: PA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Under the FCRA, unverified or fraudulent accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately.

Fraudulent Account Company 's Name XXXXXXXX XXXX Of Florida 2-LEGAL ACTION BUREAU By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations , I demand that these above mentioned derogatory items be investigated and permanently removed from my report.as they are Fraudulent account. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with yo. certified mail.

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 2024-07-23 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-07-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am reporting on behalf of my mother, XXXX XXXX. 
My mother was preyed online on XXXX by a profile under the name of " XXXX XXXX XXXX. '' He pretended to flirt with my widowed mother and lied under the character of being a XXXX XXXX XXXX under the XXXX XXXX that had been working for the XXXX XXXX. He made fake stories of his parents XXXX in a XXXX XXXX, and lied about meeting my mother in the United States. Not only of lying, he would promise my mother that he would pay funds if she had given them. He would make fake facades of fees like XXXX XXXX of entering the United States of {$24000.00}. He would lie about the troubles in XXXX and request other payments prior. 
They would make fake XXXX XXXX invoices and make it seem that this was a way of helping him into the country. We have all their addresses and numbers. 
My mother at the time, did not inform me about this and truly believed him. He manipulated her while she was vulnerable and she had no idea the true intentions behind this awful scam. 
My mother is a first yearXXXX  all alone, and our father or her husband died nearly XXXX XXXX ago. She was recently in a XXXX XXXX and her XXXX XXXX is not in the best condition. I always try to warn her about the scams, but she never knew the evils of certain scams. She felt sympathy and empathy and truly believed that this person was going to pay her back.

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 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I was the victim of attempted identity theft recently, and put a fraud alert across the XXXX bureaus throu XXXX. I froze my credit with XXXX and XXXX, but I have been trying to freeze my credit with Experian for days now, with no results, and no way to do it. When I call the Experian phone number, the automated system will not put me through to a live person, and directs me to the website. The Experian website does not let me create an account so that I can freeze my credit, or do anything else for that matter. It gives a message " Sorry... we're experienceng technical difficulties. We have been notified about this and are working to resolve this. '' I have attempted to create an account to freeze my computer from multiple computers, multiple web browsers, from multiple locations, for days, urgently, and it's the same error message, and the same inability to create the freeze on the phone. The other 2 bureaus were quick and easy, but Experian is impossible. It's a loop. 
Please, can somebody help with 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 non-monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
All accounts of restriction?? XXXX acct. Tried since early XX/XX/2024. Keep on getting run around. Can not verify info?? Teels me phone @ # incoorect., But thuse a different Co to verify. HAVE XXXX ACCTS ALL LOCKED Other accts also locked XXXX locked up No file sent by Marcus Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: TFS FINANCIAL CORPORATION
State: VA

Complaint narrative:
The company refused to recognize income from a full-time position from co-borrower due to there being two sources of payment. I was told the reason for not using the income was because it was considered two separate roles. The refusal to use the income reduced the amounts offered to us for our HELOC below our threshold for the project. The process has taken a long time and puts us in a tough spot. All the while we know we have the required income to increase the amounts offered. 

I have explained that this is in fact a full-time position and questioned the logic of the underwriting team. I have not heard a response or any type of closure to the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: NY

Complaint narrative:
Subject : Complaint 3 Main Credit Bureaus Dear Consumer Financial Protection Bureau ( CFPB ) On 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 I was wrongly charged with a hard inquiries of a on my credit profile that I was not aware of. The cause of these numerous occurrences is creating a hvac towards my credit health. I filed for a dispute of the charges of XX/XX/XXXX and the Transunion, XXXX and XXXX said its accurate but it is not. This reflects the reputation of my dignity on how I look in the eyes of different lenders, banks, and other companies. Despite my efforts to resolve this issue directly with Transunion, I have not received a satisfactory resolution This issue has caused me to miss opportunities due to the point deduction system. The file of the inquiry lowered my score tremendously. I become a liability in the eyes of lenders as multiple inquiries as a sign of financial instability or increased credit risk. Which is not the case in this situation. It is not fair I have to wait for 2 years to get something off on my report that I was wrongly charged of and the wrongdoing was reported without my consent. Lastly, this affects my approval changes. I may be looking to get a new apartment, car, or loan but due to this inquiry it will be a hindrance for me to fulfill my possibility of doing that. 


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 2024-07-23 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:
Subject : Complaint 3 Main Credit Bureaus Dear Consumer Financial Protection Bureau ( CFPB ) On 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 XXXXXX/XX/XXXX. I was wrongly charged with a hard inquiries of a on my credit profile that I was not aware of. The cause of these numerous occurrences is creating a hvac towards my credit health. I filed for a dispute of the charges of XX/XX/XXXX and the XXXX, Equifax and XXXX said its accurate but it is not. This reflects the reputation of my dignity on how I look in the eyes of different lenders, banks, and other companies. Despite my efforts to resolve this issue directly with XXXX, I have not received a satisfactory resolution This issue has caused me to miss opportunities due to the point deduction system. The file of the inquiry lowered my score tremendously. I become a liability in the eyes of lenders as multiple inquiries as a sign of financial instability or increased credit risk. Which is not the case in this situation. It is not fair I have to wait for 2 years to get something off on my report that I was wrongly charged of and the wrongdoing was reported without my consent. Lastly, this affects my approval changes. I may be looking to get a new apartment, car, or loan but due to this inquiry it will be a hindrance for me to fulfill my possibility of doing that. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MD

Complaint narrative:
I recertification my income and family size early at the behest of Mohela. My payment went up as a result. 

Per Ed Department it should go down since the deadline was extended. https : //studentaid.gov/announcements-events/idr-recertification-extended Mohela had not done this and now says they will not unless they are ordered to by FAFSA. 

I spoke with XXXX at Mohela on XXXX and he said they would return me to my old payment and then repay any overage. 

I spoke with XXXX today ( XXXX ) and she said not only will they not repay the overages, they will not follow the guidance put out by the Ed Department .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: CL Holdings LLC
State: PA

Complaint narrative:
Put an account on my report as a collection that I am unaware of I asked for validation ie drive license color original or original signature and was not provided with it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: 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. 

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 2024-07-23 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: SC

Complaint narrative:
" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. ''

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 2024-07-23 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: SC

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 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: PR

Complaint narrative:
The following account are claiming to both own the same debt, with a balance. As you know, this is not possible and also a violation my rights. Because ot this, BOTH accounts need to be removed from my credit report inmediately due to not properly validating the information in which a company has passed to you. Please delete inmediately. When the requested above deletions are made, please mail me an updated copy of my credit report you list account one and you list account two. 

XXXX : XXXX XXXXXXXX Transunion : 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 2024-07-23 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: MI

Complaint narrative:
I am filing a complaint against XXXX, XXXX, and Equifax for reporting inaccurate information on my credit report. Despite my repeated attempts to correct this, the incorrect data remains, significantly harming my credit score. 

XXXX XXXX : - Creditor : XXXX XXXX - Account Number : XXXX - Status : Voluntary repossession initiated in XXXX, closed since XXXX **Complaint** : - XXXX XXXX  refused my voluntary repossession request in XXXX. 
- A court judgment was awarded in my favor, and the account has been closed since XXXX. 
- The account is still being reported as open and late, which is inaccurate. 

This continued misreporting violates my rights under the Fair Credit Reporting Act ( FCRA ). I have made numerous attempts to correct this with the credit bureaus, providing necessary documentation, but they have failed to update my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: MI

Complaint narrative:
I am filing a complaint against XXXX, Experian, and XXXX for reporting inaccurate information on my credit report. Despite my repeated attempts to correct this, the incorrect data remains, significantly harming my credit score.

XXXX XXXX  : - Creditor : XXXX XXXX - Account Number : XXXX - Status : Voluntary repossession initiated in XXXX, closed since XXXX **Complaint** : - Credit Acceptance refused my voluntary repossession request in XXXX. 
- A court judgment was awarded in my favor, and the account has been closed since XXXX. 
- The account is still being reported as open and late, which is inaccurate. 

This continued misreporting violates my rights under the Fair Credit Reporting Act ( FCRA ). I have made numerous attempts to correct this with the credit bureaus, providing necessary documentation, but they have failed to update my report.

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 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
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 response to consumer: Closed with explanation