vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-09 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: NC

Complaint narrative:
I received a copy of my credit report and I discovered information that is not mine I contacted the credit reporting agencies and requested that it be verified and to be provided documents that prove this account is in fact mine an not a result of identity theft that was in XXXX of XXXX they have still not provided me with any documentation XXXX XXXX contacted me on XX/XX/XXXX stating they verified my birth date and ssn and that's enough for them to verify the account I requested a contract or any information that could link me to this account the merchant doesn't even have a address or email to contact me Transunion is breaking the law by reporting this information even though it can not be verified properly XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : 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 XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : 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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2024-01-09 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: CO

Complaint narrative:
I recently learned that there is negative information being reported on my consumer report without disclosure options extended from these companies to me, the consumer, nor does TransUnion have my written consent to be reporting the transactions listed by these companies on my consumer report : Account # XXXX XXXX  The Fair Credit Reporting Act and my consumer rights have been violated. The ten accounts listed above have violated my federally given consumer rights to PRIVACY amongst other things. All of these items are listed in the file that Transunion maintains under my social security number.

Upon reviewing a copy of my credit report with your agency, I challenge the accuracy, compliance and most importantly, the reportability, of these listings. All of these companies listed have violated FEDERAL LAW 15 U.S. Code 6802 Obligations with respect to disclosures of personal information. TransUnion has aided these companies in violation of this Federal Law.

Simply put, this consumer law states the following A financial institution may not, directly, or indirectly, disclose to a non-affiliated public party any nonpublic personal information unless such financial institution gives the following disclosures : 1 ) The Financial Institution must let a consumer know they will disclose information to the non-affiliated third party.

2 ) The Financial Institution must give the consumer the opportunity before any information is initially disclosed to direct that the information may not be disclosed to such third party.

3 ) The Financial Institution must give the consumer an explanation so that the consumer can exercise the nondisclosure option. 

Am I to assume that TransUnion is affiliated with these credit card companies and banks? 

I have not given TransUnion permission to furnish this information. Having understood this is a violation of 15 U.S.C. 1681b. Both together and separately, my consumer and privacy rights are being violated. 

The aforementioned transactional history of the accounts above is to be removed from my consumer credit report and file IMMEDIATELY as the reporting of them has caused me and my reputation harm and discrimination. Furthermore, TransUnion is to be held accountable for {$1000.00} per violation of the FCRA.

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 2024-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: U.S. BANCORP
State: PA

Complaint narrative:
ive been dealing with this for a year i even filed a police report now

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 2024-01-09 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: MO

Complaint narrative:
Absurd that as usual experian notified me again of XXXX disputes are ready and as usual once you click on it it says call because they are not available so as usual I call and get a none English speaking person who wants my whole social security number and then they say there is nothing they CAN do or ALLOWED to do

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: AZ

Complaint narrative:
I need assistance in disputing and removing fraudulent inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: AZ

Complaint narrative:
Deleted removed items from XXXX but not the other...

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 2024-01-09 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: AZ

Complaint narrative:
On XX/XX/2023 I received an alert of an attempted credit for XXXX XXXX 
I did not make this inquiry. Please delete immediately do not grant credit.

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 2024-01-09 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: PA

Complaint narrative:
XXXX. Family educational and privacy rights On XX/XX/XXXX I spoke with several individuals at DEPT OF EDUCATIONXXXX and sent a letter on XX/XX/XXXX to XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for removal and also I requested that they send me my Master Promissory NOTES for both accounts on my credit reports Date opened XX/XX/XXXX Account number XXXX Amount XXXX Date opened XX/XX/XXXX Account number XXXX Amount XXXX NO ACTIONS WERE TAKEN I've also informed XXXX, XXXX and Transunion of the violation of the Family educational and privacy rights requesting removal

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 2024-01-09 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: NY

Complaint narrative:
THESE INQUIRIES IS NOT MINE 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 2024-01-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XX/XX/XXXX I filed a dispute with my credit card company for the amount charged by the creditor because I was not hearing back from them once I paid. I was concerned this was a fraudulent company. The creditor, XXXX, never responded to my calls or my credit card company calls. My credit card company, XXXX XXXX, resolved the dispute in my favor. 

XX/XX/XXXX I emailed National Credit Systems, after speaking with XXXX XXXX, the proof of the credit card company dispute XX/XX/XXXX XXXX XXXX from XXXX emailed me with a screenshot and confirmation I was being taken off of their collections list. 

I spoke with XXXX XXXX about this proof of collections XX/XX/XXXX National credit systems still sent this collection to the credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My computer hacked, Hackers got into everything on it including my on-line banking acct. with Wells Fargo. Money was transferred from savings acct. to checking acct. and I was not notified of fund transfer which was what bank usually did when funds were transferred by sending e-mail to inform me a transfer had occurred. There was nothing I could do to stop the hackers who identified themselves as " XXXX XXXX ''. Initially they had locked my computer and had a message on line to call XXXX with a phone number to get computer cleaned of any wrong programming. See complaint ID XXXX. 
Wells Fargo refuses to replace any of my funds stolen because they seem to think I had something to do with the stealing. The hackers got away with over {$160000.00}. Wells Fargo has repeatedly said I was at fault because I sent a cashiers check to supposedly XXXX XXXX XXXX to return the amount transferred to my checking account from savings by hackers. That check was only sent to return funds to XXXX that I thought had been put into my account by them in error by their billing department. 
If you can please get through to Wells Fargo that I was REALLY hacked by people posing very well as XXXX employees and to PLEASE replace at least half of my funds I will be very happy to let this situation go.

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 2024-01-09 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: SC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: MD

Complaint narrative:
I have been recently informed that there is negative information reported by Identity Theft Account Name : XXXX XXXX  XXXX Account Number : XXXX Identity Theft Account Name : XXXX XXXX XXXX Account Number : XXXX Identity Theft Account Name : XXXX Account XXXX : XXXX Identity Theft Account Name : XXXX  Account Number : XXXX Identity Theft Account Name : XXXX Account Number : XXXX Identity Theft Account Name : XXXX Account Number : XXXX This inquiry was not authorized. 
Inquiry Name : XXXX XXXX  Date of Inquiry : XX/XX/2023 The following information is incorrect Address : XXXX XXXX XXXX XXXX XXXX, MD XXXX The following information is incorrect XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX Theft Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Identity Theft Account Name : XXXX XXXX  XXXX Account Number : XXXX Identity Theft Account Name : XXXX Account Number : XXXX Identity XXXX Account Name : XXXX Account Number : XXXX Identity Theft Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Identity Theft Account Name : XXXX XXXX  Account Number : XXXX Identity Theft Account Name : XXXX Account Number : XXXX This inquiry was not authorized. 
Inquiry Name : XXXX XXXX  Date of Inquiry : XX/XX/2023 The following information is incorrect Address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX The following information is incorrect Address : XXXX XXXX, MD XXXX Identity Theft Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Identity Theft Account Name : XXXX XXXX  XXXX Account Number : XXXX Identity Theft Account Name : XXXX Account XXXX : XXXX Identity Theft Account Name : XXXX Account Number XXXX XXXX Identity Theft Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Identity Theft Account Name : XXXX XXXX  Account Number : XXXX Identity Theft Account Name : XXXX Account Number : 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 2024-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: FL

Complaint narrative:
I transferred money from XXXX to USA via WISE on XXXX XXXX on what was promised a two day transfer. It has now taken 5 days and still no money. I have complained, I have tried to get help but no resolution and they still have my funds. I have called three times, sent three messages, and nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-09 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: GA

Complaint narrative:
I have reach out to TransUnion and XXXX the last XXXX years multiple time via phone mail and online Ive sent them both about 10 letters certified mail to make corrections and remove this incorrect information from my credit report they never do. I ask them to provide proof and validation regarding this they never do I also would like to where where they obtained this information from

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 2024-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: DC

Complaint narrative:
Due to a mail mix up. I was late ( first time ) on paying DC property taxes. When I attempted to pay I discovered my mortgage company had paid {$5000.00} on XX/XX/XXXX, XXXX contacted Rocket Mortgage and said my loan specifically does not have an escrow account and I plan to pay my quarterly taxes as I had in the past and they said they would continue to charge me monthly. My previous monthly mortgage was {$1400.00}. My current mortgage payment plus escrow is {$3000.00}. This does not make sense as my annual property taxes are {$8900.00} yet my monthly escrow amount is {$1500.00} which equals {$18000.00} annually. I simply want to pay my property taxes as my loan dictates directly to District of Columbia and not be overcharged in this way. Note : I have never been delinquent in paying my mortgage and have excellent credit. This is an unfair business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I can't the web sute t take a password. i have change it multiple times. 

i can't get anyone in customer service, repeatedmy info numerous times. 
went on social media, keep wnting my info go in circles. can't get customer service, phone system not working, no call back, going on for weeks., keep blaming me, i put the code in right, its the system. very XXXX  seervice, impossilbe phone system.

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 2024-01-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
Title max had an inflated interest rate and hidden fees and tacked-on financial products i didn't ask for. Paid my loan in full. Then they repoed my XXXXXXXX XXXX, repoed it without notifying local authorities, of repo. I reported it stolen due to the lack of knowledge of the whereabouts of my vehicle I made. payments made on illegally charged fees and the interest paid on those fees, payments made on illegal loans, the loss-of-use of funds, the loss-of-use of vehicles that were wrongfully repossessed, I want replacement value of vehicle that was sold after being wrongfully repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: AZ

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2024-01-09 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: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX & XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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