vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am submitting this complaint regarding fraudulent, inaccurate and unverifiable information on my credit report. Please delete these accounts from my credit report within 4 days of receipt of this letter or provide the method of verification. I have attached my FTC identity affidavidt, screenshots showing no action has been taken and no documents provided, ID and bank statement. 

I previously disputed these accounts, but the information remains on my credit report without adequate verification. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I am entitled to know the methods and sources used to verify this information. 

Please provide the above within 4 days of receipt of this letter or delete from my credit report. The failure to verify or remove the disputed information violates my rights under the FCRA. I respectfully request the CFPBs assistance to have these items deleted from my credit report. 

See below the exact accounts in question with reasoning exactly as sent to the bureau for correction/deletion : XXXX XXXX XXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$1900.00}. This account was transferred to a debt collector and I no longer owe money to this creditor but its still showing a balance due. 

XXXXXXXX XXXX Secured Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$180.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX  Secured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$4500.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX  Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$3200.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Public Record from a Bankruptcy XXXX XXXXXXXX on XX/XX/XXXX. 
Under 15 US Code 1681a ( 4 ) I have the right to privacy as a consumer, and if this bankruptcy is not deleted from my record I will file a small claims lawsuit in my city and state to recover money.

This Account is in Violation of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report.

Please remove it or I will seek legal compensation

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 2024-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America is slandering me on the internet and continued to use and alter my credit file after my relationships with then ended. Bank of America is slandering me on a paid account on the internet, in addition reported me as age XXXX and XXXX along with reporting me under my deceased grandmother 's address. These are grounds of defamation of character. Photos include as attached. My legal date of birth is XX/XX/year>, I am age XXXX, the address listed was an address I resided at with my grandmother age XXXX and prior. Bank of America also altered my credit questionairre. I am also not deceased.

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 2024-12-20 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I have three CD accounts with Marcus Bank. One of them was matured on XX/XX/year> and I already set up the account to be closed and transfer the fund to my external account before the matured date. It shows me on the account page, " Transfer in process, takes 3-5 business days '' and I thought everything was going smoothly. Five days later, I saw the fund was still in the CD account then I called customer service. I was told they couldn't verify my external account so the fund couldn't be transferred. ( Why nobody call/email me about this until I called? ) Then we did a three way call to verify my external account and it was done. The reason why they couldn't verify my external account because they called XXXX XXXXXXXX XXXX  to verify my XXXX XXXX account, of course that won't work, althougXXXX XXXX XXXX is under XXXX XXXXXXXX XXXX. Then I was told everything was cleared, I will receive my fund in 1-3 business days. Another 3 days passed, the fund was still in the CD account, I called again. They said there was a penalty in my account and they are going to submit a wavier. Once the wavier is approved then they can transfer the fund. ( What did I do wrong? I just need my fund for XXXX. ) Since then I called everyday to get an update of the fund status, today is XX/XX/year>, the fund was still in the CD account ... I'm going to call again later. Every time I called, I was told the account was closed and the fund is being transferred and the next day I still see the fund in the CD account. It's end of the year, I had plan to use the fund for XXXX, pay some bills, etc. Now it ruins everything and I'm paying interest everyday for my bills, because they made a mistake. All I hear is Sorry Sorry Sorry, nothing was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: MO

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 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 2024-12-20 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: MO

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Robinh

ood disabled buying for me and would not give an explanation. I did not violate any terms.

Their action violates their user agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA

Complaint narrative:
I PAID MY ESCROW SHORTAGE ON INSURANCE AND TAXES ON XX/XX/year>, AFTER MEETING PRE-ELIGIBILITY REQUIREMENTS FOR REMOVAL FOR AN ENTIRE YEAR BEFORE IT WAS ELIGIBLE TO BE REMOVED. ALSO, MY PAYMENT TURNED INTO A PRINCIPAL AND INTEREST-ONLY PAYMENT OF {$490.00} DUE TO THE ESCROW REMOVAL. 
ALTHOUGH I WAS PAYING MY INSURANCE INDEPENDENTLY. I WAS STILL BEING ESCROWED AT THE SAME TIME. SPS CONTINUED TO ESCROW MY ACCOUNT AFTER MY REMOVAL REQUEST, SUBMISSION, AND THE SATISFACTION OF MY ESCROW ACCOUNT ON XX/XX/year>. 
MY ESCROW WAS NOT REMOVED UNTIL XX/XX/year>.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: TX

Complaint narrative:
I am writing to formally request a copy of the purchase agreement associated with the account referenced below : Under the Fair Credit Reporting Act ( FCRA ), I have the right to request validation of any debt that is reported on my credit report. Specifically, I am requesting that you provide the original purchase agreement that substantiates the validity of this account. If you are unable to provide this documentation within 30 days of receiving this letter, I kindly ask that you cease and desist all collection activities related to this account. Furthermore, I request that you delete this item from my credit report in accordance with the FCRA, specifically 609 ( a ) ( 1 ) and 605 ( b ), which outline the rights of consumers to dispute inaccurate information and the requirement for creditors to provide validation of debts. Please send the requested documentation to my address listed above. If I do not receive a satisfactory response within the specified timeframe, I will have no choice but to escalate this matter to the appropriate regulatory authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: NV

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$1000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: TX

Complaint narrative:
Hey Experian, I was looking over my report XX/XX/year> and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. XXXX XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ) , the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXXXXXX XXXX XXXX XXXX- This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXXXXXX XXXX  XXXX XXXX- This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) XXXX XXXX XXXX- This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) Thank you for your time and attention!

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 2024-12-20 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 an account without my written instructions.

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 2024-12-20 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: National Credit Adjusters, LLC
State: CA

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 NATIONAL CREDIT ADJUSTMENT XXXX XXXX XXXX NATIONAL CREDIT ADJUSTMENT XXXX XXXX XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( 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 explanation
Consumer complaint received 2024-12-20 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving 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 non-monetary relief
Consumer complaint received 2024-12-20 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
XX/XX/XXXX until XX/XX/XXXX, I have paid this company so much money and I only borrowed XXXX to pay back close to XXXX. This company is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: IL

Complaint narrative:
I am submitting this complaint regarding fraudulent, inaccurate and unverifiable information on my credit report. Please delete these accounts from my credit report within 4 days of receipt of this letter or provide the method of verification. I have attached my FTC identity affidavidt, screenshots showing no action has been taken and no documents provided, ID and bank statement. 

I previously disputed these accounts, but the information remains on my credit report without adequate verification. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I am entitled to know the methods and sources used to verify this information. 

Please provide the above within 4 days of receipt of this letter or delete from my credit report. The failure to verify or remove the disputed information violates my rights under the FCRA. I respectfully request the CFPBs assistance to have these items deleted from my credit report. 

See below the exact accounts in question with reasoning exactly as sent to the bureau for correction/deletion : XXXX XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1900.00}. This account was transferred to a debt collector and I no longer owe money to this creditor but its still showing a balance due. 

XXXX XXXX Secured Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$180.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX  Secured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$4500.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX  Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$3200.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Public Record from a Bankruptcy XXXX XXXXdismissed on XX/XX/XXXX. 
Under 15 US Code 1681a ( 4 ) I have the right to privacy as a consumer, and if this bankruptcy is not deleted from my record I will file a small claims lawsuit in my city and state to recover money. 
This Account is in Violation of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report. 
Please remove it or I will seek legal compensation

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