vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-28 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: IN

Complaint narrative:
On XX/XX/XXXX dispute letters were sent to all three credit bureaus XXXX, TransUnion, and XXXX. In response, they sent a frivolous letter stating they would not honor the request to investigate the consumer report. In turn, I sent them a failure to respond letter. Now I am initiating a complaint through the CFPB because they did not honor my request to investigate. Because of this it is hindering my ability to take care of my family and causing emotional distress. Based on this incorrect information in the consumer 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 2023-11-28 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: IN

Complaint narrative:
On XX/XX/XXXX dispute letters were sent to all three credit bureaus Equifax, XXXX, and XXXX. In response, they sent a frivolous letter stating they would not honor the request to investigate the consumer report. In turn, I sent them a failure to respond letter. Now I am initiating a complaint through the CFPB because they did not honor my request to investigate. Because of this it is hindering my ability to take care of my family and causing emotional distress. Based on this incorrect information in the consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Account is 7 years old and needs to be removed from all 3 credit reports for me

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Account is 7 years old and needs to be removed from all 3 credit reports for me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Account is 7 years old and needs to be removed from all 3 credit reports for me

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 2023-11-28 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: VA

Complaint narrative:
I have asked this third party company to validate this debt several times and I also asked for. a purchase agreement to be included in the validation process also an they refuse to validate the debt and I also sent a letter requesting arbitration also andth ey received it on XX/XX/XXXX and I have yet to hear anything from them and every time I call I get talked to very disrespectful and so unprofessiona I never gave XXXX my permission to share my personal in formation with anyone else I never signed a letter or gave my oral consent to share my information to an one else 15usc 1681 section 602 that I have the right to privacy and my privacy has been clearly violated by the unauthorized sharing of my personal information with a third party company that I have no knowledge of and that I don't have an account or ever done bussineees with

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 2023-11-28 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: VA

Complaint narrative:
I have asked this third party company to validate this debt several times and I also asked for. a purchase agreement to be included in the validation process also an they refuse to validate the debt and I also sent a letter requesting arbitration also andth ey received it on XX/XX/XXXX and I have yet to hear anything from them and every time I call I get talked to very disrespectful and so unprofessiona I never gave XXXX my permission to share my personal in formation with anyone else I never signed a letter or gave my oral consent to share my information to an one else 15usc 1681 section 602 that I have the right to privacy and my privacy has been clearly violated by the unauthorized sharing of my personal information with a third party company that I have no knowledge of and that I don't have an account or ever done bussineees with

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: VA

Complaint narrative:
I have asked this third party company to validate this debt several times and I also asked for. a purchase agreement to be included in the validation process also an they refuse to validate the debt and I also sent a letter requesting arbitration also andth ey received it on XX/XX/XXXX and I have yet to hear anything from them and every time I call I get talked to very disrespectful and so unprofessiona I never gave XXXX my permission to share my personal in formation with anyone else I never signed a letter or gave my oral consent to share my information to an one else 15usc 1681 section 602 that I have the right to privacy and my privacy has been clearly violated by the unauthorized sharing of my personal information with a third party company that I have no knowledge of and that I don't have an account or ever done bussineees with

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 2023-11-28 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: NY

Complaint narrative:
On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California XXXX); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. XXXX XXXX XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-11-28 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:
XXXX XXXX XXXX XXXX XXXX amount {$960.00} remove XXXX remarks placed for collection date assigned XX/XX/XXXX XXXX XXXX XXXX XXXX account no. XXXX and XXXX amount {$560.00} date assigned XX/XX/XXXX, remove derogatory remarks account seriously past due, placed in collection XXXX XXXX XXXX XXXX account no. XXXX and XXXX amount {$700.00} date assigned XX/XX/XXXX remove derogatory remarks account seriously past due, placed in collection XXXX XXXXXXXX XXXX XXXX  account no. XXXX and XXXX amount {$340.00} date assigned XX/XX/XXXX remove derogatory remarks account seriously past due, placed in collection XXXX XXXX XXXX account no. XXXX and XXXX amount {$160.00} date assigned XX/XX/XXXX remove derogatory remarks account seriously past due, placed in collection XXXX XXXX XXXX XXXX XXXX XXXX  amount {$880.00} date assigned XX/XX/XXXX remove derogatory remarks account seriously past due, placed in collection XXXX XXXX XXXX account no. XXXX amount {$13000.00} remove 30 day late payment date closed XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX amount {$4000.00} open date XX/XX/XXXX, remove 30 days late XXXX XXXX XXXX XXXX XXXX  amount {$1000.00} date XX/XX/XXXX remove late payment remarks XXXX XXXX XXXX XXXX XXXX XXXX amount {$850.00}, date opened XX/XX/XXXX, remove late payment remarks XXXX XXXX XXXX XXXX XXXX XXXX amount {$1000.00}, open date XX/XX/XXXX, remove late payment remarks. 
XXXX XXXX XXXX XXXX XXXX amount {$890.00} date opened XX/XX/XXXX, remove late payment remarks XXXX XXXX account no. XXXX XXXX {$3000.00} date opened XX/XX/XXXX, remove late payment remarks Credit Inquires, please remove them all from credit report 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 accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights XXXX 

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

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 2023-11-28 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX amount {$960.00} remove DEROGATORY remarks placed for collection date assigned XX/XX/XXXX XXXX XXXX XXXX XXXX account no. XXXX and XXXX amount {$560.00} date assigned XX/XX/XXXX, remove derogatory remarks account seriously past due, placed in collection XXXX XXXX XXXX XXXX account no. XXXX and XXXX amount {$700.00} date assigned XX/XX/XXXX remove derogatory remarks account seriously past due, placed in collection XXXX XXXXXXXX XXXX XXXX account no. XXXX and XXXX amount {$340.00} date assigned XX/XX/XXXX remove derogatory remarks account seriously past due, placed in collection XXXX XXXX XXXX account no. XXXX and XXXX amount {$160.00} date assigned XX/XX/XXXX remove derogatory remarks account seriously past due, placed in collection XXXX XXXXXXXX XXXX account no. XXXX  amount {$880.00} date assigned XX/XX/XXXX remove derogatory remarks account seriously past due, placed in collection XXXX XXXX XXXX account no. XXXX amount {$13000.00} remove 30 day late payment date closed XX/XX/XXXX XXXX  account no. XXXX amount {$4000.00} open date XX/XX/XXXX, remove 30 days late XXXX XXXX account no. XXXX amount {$1000.00} date XX/XX/XXXX remove late payment remarks XXXX XXXX XXXX XXXX XXXX XXXX amount {$850.00}, date opened XX/XX/XXXX, remove late payment remarks XXXX XXXX XXXX account no. XXXX amount {$1000.00}, open date XX/XX/XXXX, remove late payment remarks. 
XXXX  XXXX account no. XXXX  amount {$890.00} date opened XX/XX/XXXX, remove late payment remarks XXXX XXXX account no. XXXX XXXX {$3000.00} date opened XX/XX/XXXX, remove late payment remarks Credit Inquires, please remove them all from credit report 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 n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXXXXXX, has violated my rights XXXX 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: OR

Complaint narrative:
My accounts and my children 's accounts were closed for no apparent reason. They told us that they will send us a letter explaining what would happen next. It's been 3 weeks and they are still holding on to our money and we have received no letter or email regarding our money and accounts.

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 2023-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: VA

Complaint narrative:
I have been attempting to access my Loancare account since XX/XX/XXXX. I have not been able to login, just get a blank screen. There is no information on the website. I received no email communication. I have not been able to get responses by phone or email. The one time I got through on phone, I was told it was only a " technical issue '' and would be resolved by the next day ( XX/XX/XXXX ). That has not happened. They were not able to give me any information on late fees being incurred or late payments being reported. 

I was only able to find information about the security breech from the media. This was never communicated to me by Loancare themselves.

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 2023-11-28 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: IA

Complaint narrative:
The following items are incorrect and unauthorized : 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

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 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Twice in the last year, Wells Fargo has accepted my deposit, allowed me to spend my money with no warning that 6 days later they would freeze my paycheck deposit for 2 weeks. Most recent example is Deposit XXXX XXXX, XXXX. Was informed XX/XX/XXXXXXXX  that they won't release my funds till XX/XX/XXXXXXXX XXXX 
I contend that they are stealing this money from me in an effort to get my financial situation really bad so they can charge overdraft fees. This is completely unacceptable. My check is the same every single week and has never bounced. This needs to change they have no right to keep my money.

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 2023-11-28 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: NC

Complaint narrative:
XXXX XXXX is reporting false information on my credit file. They are reporting a false balance of XXXX dollars on my report with the report date of XX/XX/2023. Around XX/XX/XXXX, I called them to see what the original balance was and to see how many payments i was behind. they informed me that I was about XXXX dollars behind but now they are saying I am XXXX dollars behind on my credit report which is false. I have called them multiple times and they dont answer. I have emailed the branch manager from the branch in XXXX XXXX XXXX XXXXXXXX XXXX  of this year and she has yet to answer. i have reported them to the nc doj but they refuse to reply to the nc doj as well. the account ends in XXXX i tried to get this fixed with equifax also but equifax will not remove the account, even after sending in multiple ftc id theft reports. i do not know what else to do

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Incomm Holdings Inc.
State: DE

Complaint narrative:
I received a Visa Vanilla gift card as a gift, for {$100.00}. When I tried to use it, I was told it had no balance. I called the number on back of card and was told to send my problem in writing. I did that on XX/XX/ and again on XX/XX/, both times certified mail. I have not received any response from my request to date. I am a senior citizen and need all the funds available to me.I never used the card before being rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: PA

Complaint narrative:
I requested an In-school deferment waiver. Mohela sent me the form. I signed the form and uploaded to Mohela 's online portal on XX/XX/23. I was told by customer service that it would take 30-45 days to process. It is past 45 days and it still has not been processed. I do NOT want to be in deferment. I never requested to be in deferment. When they automatically put me in deferment, they back-dated it to XX/XX/23.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Williams & Fudge, Inc
State: FL

Complaint narrative:
XXXX XXXX of Williams and fudge law firm. Contacted my place of employment. I hve never given them this information or permission to contact me there I dont even know how they got the Information. I have talked with them about proof of debt and what they provided did not convince me of the debt and I do not agree with it the school they represent us trying to collect a debt on classes I did not take after I left school and has not provided a clear receipt of debt owed I told them I dont agree with it and will contact the school to sort it out I got an email from the school saying ignore it and forwarded the email to Williams and fudge I do not know why they are trying to collect I havent heard from them in over two months and now they just randomly call my place of employment. At this point I wish to not be contacted by them any more it is very unprofessional and is harassment why they have done. They clearly went out of there way to find my place of employment d call them without my permission or asking me or getting that information from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: FL

Complaint narrative:
There is an inquiry on my Transunion Credit Report that does not belong to me. I demand the following fraudulent inquiry be deleted from my Transunion credit report immediately. Please remove the following : XXXX ( Bank ) XX/XX/2023. Thank you. 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 2023-11-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: AL

Complaint narrative:
To whom it may concern : I've been receiving several text messages and calls since XX/XX/2023 regarding a debt from TrueAccord for {$780.00} for the Creditor XXXX XXXX XXXX. 
Also I've been receiving calls from XXXX XXXX. 
I never contracted any service with this company and I don't recognize this debt. 
I will appreciate your help and support to clarify this situation. 

Thanks in advance,

Company response to consumer: Closed with explanation