vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX Transunion XXXX XXXX RE : NOTICE XXXX XXXX XXXX XXXX XXXX NON-COMPLIANCE REPORTING THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to Transunion that the listed institutions ATTACHED have not conformed and are currently reporting in non-compliance with the following XXXX XXXX XXXX XXXX statutes Reference number XXXX Record type Bankruptcy XXXX XXXXXXXX filed XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reference number XXXX Record type Bankruptcy XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b ) For the record, I, XXXX XXXX HAVE NEVER received an INITIAL OR ANNUAL PRIVACY POLICY NOTICE from any of the ATTACHED reporting institutions as required by the GLBA statute ( s ) above, nor have I been given a chance to opt-out from my personal information from being shared w/ 3rd parties. Why does Transunion allow these non-compliant institutions to report on my credit profile and put my privacy at risk? Until compliance with Sec. 6802-6803 of the GLBA can be substantiated, I DEMAND that Transunion PERMANENTLY DELETE the following non-compliant ATTACHED account ( s ) within 3 days and forward to me a FULL updated credit report with these deletions to the address above By publishing these non-compliant account ( s ) on my credit profile and distributing them to 3rd parties you are INTENTIONALLY DAMAGING my reputation and credit worthiness. For the record, I will also file this complaint with my state Attorney Generals office and the Consumer Financial Protection Bureau ( CFPB ). Transunion is in violation of the GLBA GLBA non-compliance penalties can be quite serious for financial institutions. They include both monetary fines as well as imprisonment. The GLBA non-compliance penalties include : A fine of up to {$100000.00} for each violation A fine of up to {$10000.00} for officers and directors of the financial institution In case of a serious violation, individuals may be imprisoned for up to 5 years Revocation of licenses

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 2024-05-08 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: TX

Complaint narrative:
Please see 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 explanation
Consumer complaint received 2024-05-08 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: FL

Complaint narrative:
FCRA 605B might necessitate the elimination of erroneous accounts from my credit report. Could you verify the documents? Some of the accounts listed contain inaccuracies regarding reporting, amounts, and dates.

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 2024-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have consistently made timely payments on this account, ensuring they are never overdue. I am uncertain about the reasons for the reported late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Kindly remove these inquiries. I have no information about them, and the company did it without my permission.

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 2024-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: FL

Complaint narrative:
I've always made sure that payments on this account are made on time, never allowing them to become overdue. I'm unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

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 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: WI

Complaint narrative:
Here is inquiries XXXX, XXXX, XXXX, XXXX, XXXX,, XXXX, XXXX, address not mind 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 remove is items immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: CA

Complaint narrative:
See attached results of dispute from XXXX XXXX XXXX  ... This account was not closed properly by XXXX XXXX XXXX ... It was never past due and never late. XXXX XXXX needs to update this negative 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 non-monetary relief
Consumer complaint received 2024-05-08 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Theas inquiries on my credit report is don't recognize pleas remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: CL Holdings LLC
State: MO

Complaint narrative:
I sent a debt validation letter to jefferson capital system wanting verification that this is my account. They recieved it on XXXX XXXXXXXX. I recieved a letter and a bill. This is not verification and i want this removed from my credit report immediatly

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: FL

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair this inaccurate accountsin my file. 
XXXX XXXXXXXX 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 2024-05-08 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: FL

Complaint narrative:
XXXX, XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
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.

Items listed above, have violated my rights.

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

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

15 U.S.C. 1681s-2 ( AN ( 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. 

Remove Following Addresses listed that doesnt belongs to me : 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 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 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 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 FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611 . If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.

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 2024-05-08 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:
XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-05-08 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: IL

Complaint narrative:
I am submitting this complaint after noticing unauthorized inquiries on my credit report. 
XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 2024-05-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
On or around XX/XX/XXXX, I applied for a XXXX credit card to make a purchase. I paid off the statement balance in late XXXX which, unbeknown to me, was late. Because the payment was late, I incurred a {$30.00} late fee. On XX/XX/XXXX, I received a text to contact ComenityXXXX about my account. I received a call the same day about the account but hung up as I thought it was a scam. Nonetheless, I checked my mail and found a statement with a {$30.00} late fee. Upon calling Comenity, I figured out I had been charged another {$41.00} late fee on top of the {$30.00} late fee, and the balance was accruing interest ( {$2.00} when I called ). The total balance was now {$63.00} and none of it was from a purchase I made with the credit card. While on the phone with Comenity, I requested a waiver for the late fees given the fact that I paid off the entire balance albeit a day late per their statement. The customer service rep XXXX offered me a {$15.00} credit which I declined, and asked to speak to a manager. The manager XXXX told me that up until two weeks ago they had the flexibility of waiving additional fees so he could only do {$15.00} today. I reiterated that my balance had been paid off since XXXX, and was happy to pay the first late fee if the rest could be waived. XXXX said that was not possible and offered the {$15.00} credit again. I declined to take it as it would not resolve the issue I was explaining. On XX/XX/XXXX, I paid the {$63.00} incurred in late fees and interest on late fees to avoid the account going to collections. As such, I believe Comenitys late fees on my account are excessive and borderline predatory given the fact that I paid my balance in full. Their excuse of a new policy to avoid waiving late fees is simply used to pass the buck leaving consumers like me without a solution. Notably, I have yet to receive a statement showing the {$41.00} late fee or interest, and was somehow supposed to know I was accruing such fees. Therefore, I request a refund of the {$63.00} which came from a {$30.00} late fee on an already paid off balance, {$41.00} late for the {$30.00} late fee, and {$2.00} in interest because the fees are excessive and I had no notice ( and still dont ) of the additional late fee and interest accruing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: B9, Inc.
State: TX

Complaint narrative:
Every communication was documented in the files that I attached. 

on XX/XX/XXXX, I filed a dispute for {$980.00} of fraudulent charges made with my virtual card number. These charges were all done from XX/XX/XXXX - XX/XX/XXXX, while I was in XXXX  and had no access to my phone or computer. 

My dispute was originally denied and then my account access was restricted because they stated that I violated their terms and conditions for allowing my card information to be stolen. I escalated the issue to a manager and the dispute was reopened and a request for a refund was submitted to the merchants. 

on XX/XX/XXXX, I requested an update and recieved an email stating that I was issued a provisional credit of {$980.00} which was deposited in my account on XX/XX/XXXX. The email stated that the funds were available to use immediately while the dispute investigation was in progress. I then tried to access my account however, my access was still restricted from when the original request was denied. I reached out to support and they stated that I could ACH transfer to another account. I advised again that i could not access my account due to the account restriction and then they stated that I wouldn't be able to access the funds until the dispute process has completed. They refused to inform me why I was told that I could use the funds and they refused to let me know why I couldn't at least transfer to another account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: GA

Complaint narrative:
Please see 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 explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: AL

Complaint narrative:
This complaint stems from an alleged debts that appears on my credit report as XXXX XXXX XXXX. See Attached. I have no contractual relations with this company and they are on notice that reporting information without my consent is punishable for defamation and trespass on person. See Attached notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I have had a few debit card disputes with this company and every time they deny my dispute, even if I supply them with sufficient amount of evidence that I should get my funds back. 

My disputes are as follows and attached is the evidence that I sent in with my dispute. 

1. Dusputed on XX/XX/XXXX {$75.00} XXXX XXXXXXXX XXXX ; disputed because the item that I received stop working, which was a XXXX XXXX 2. Disputed on XX/XX/XXXX {$27.00} XXXX XXXX ; disputed because the food that I received was not good quality. Some stuff was overcooked some stuff was undercooked some food items were steal 3. Disputed on XX/XX/XXXX XXXX ; {$23.00} disputed because of the XXXX XXXX that I ordered did not work with my blender. It was not compatible. 
4. Dispute on XX/XX/XXXX XXXX XXXX XXXX ; {$12.00} disputed because I ended up returning the item back and never received my refund 5. Disputed on XX/XX/XXXX XXXX XXXX  ; {$150.00} disputed because after I took my car there, my car started leaking oil, as well as running hot due to them, putting the wrong coolant in my car 6. Disputed on XX/XX/XXXX XXXX XXXX ( XXXX payments ) total {$230.00} ; disputed because the service that I receive was not complete. I did a service to fix the screen on my XXXX. They installed a XXXX product on my phone so it does not work properly. There are times when I tried to click something on my XXXX and Im not able to actually click it. I have a few issues. The battery isnt as well as it was when I dropped it off as well as I cant really use the brightness on my screen properly due to the XXXX XXXX being installed as well as XXXX isnt working as well, which was not an issue prior to reached out to servicer and they did not respond reason why did dispute. 

I asked for what evidence that they use to come up with their decision and all they sent me is that the transactions were authorized. My dispute was never because the transactions werent authorized. I authorize all transactions. The issue is I was never satisfied with the service or item that I received from that transaction which I stated in my dispute. 

And this will be my last time trying to resolve such issue. All I am is requesting that they give me my money back as I am rightfully owed. Or Ill have no other options but to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Finance Direct LLC.
State: TX

Complaint narrative:
XX/XX/year> is when XXXX XXXX XXXX filed for bankruptcy ; abruptly stopping all treatments and customer services promised in the Lifetime guarantee when initially signing up for treatment. What makes it worse was that they proactively messaged/email me about stocking up on retainers and deals for getting friends or family to sign up prior to the announcement of bankruptcy. 

Im now left with giant gaps on the sides of the teeth that I cant fix without starting a new treatment plan with a more reputable company and my very last pair of retainers that I have to barely wear for fear of breakdown. HFD has made multiple attempts to withdraw money from listed debt cards in their system and weve made it perfectly clear, we will not accept half XXXX treatment nor pay for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Summit A*R, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX still continues to violate my rights by refusing to remove their entry from my consumer file. I do not have an obligation to pay this debt and will not be doing any negotiations or calling to contract with you. You have no business contacting me without prior authorization from the courts. Furthermore you are committing securities fraud by trying to extort me for money knowing the contract that you hold is actually the security being traded hence why it sold to you. You have no authority to collect this debt because you are not apart of the companys bylaws or incorporation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I'm a victim of XXXX XXXX My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Balance {$6100.00} XXXX XXXX XXXX Balance {$590.00} XXXX  XXXX {$0.00} XXXX XXXX Balance {$2400.00XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX Balance {$1500.00}

Company response to consumer: Closed with non-monetary relief