vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-04 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against TransUnion regarding their failure to address and rectify unauthorized inquiries on my credit report. I have attempted to resolve this issue directly with the credit reporting agency to no avail, and I am now seeking your assistance in resolving this matter.

Details of the dispute are as follows : 1. On XX/XX/2023, I first contacted TransUnion in writing to dispute unauthorized inquiries on my credit report. I provided all necessary documentation supporting my claim and requested a thorough investigation into the matter. 

2. Subsequently, on XX/XX/2023, I reached out to TransUnion again, as I had not received any response or acknowledgment of my initial dispute. I reiterated my concerns and provided additional evidence to support my claim. 

3. Despite multiple attempts to engage with TransUnion, my efforts to rectify this situation were met with silence. On XX/XX/2023, I sent a follow-up communication, once again emphasizing the urgency of the matter and requesting immediate attention to my dispute.

4. Regrettably, TransUnion has failed to process my dispute or provide any communication regarding the status of the investigation. This lack of response and action has not only caused significant distress but also has potential repercussions on my financial well-being.

Given the unresolved nature of this issue, I am now seeking the assistance of the Consumer Financial Protection Bureau to intervene and facilitate a prompt and fair resolution. I kindly request that you investigate this matter thoroughly and take appropriate action to ensure that TransUnion addresses the unauthorized inquiries on my credit report as per the guidelines set forth by the Fair Credit Reporting Act ( FCRA ).

Enclosed with this letter, please find copies of all relevant documentation, including my previous communications with TransUnion, proof of the unauthorized inquiries, and any other pertinent information that may assist in your investigation.

I appreciate your prompt attention to this matter and look forward to a resolution that restores the accuracy of my credit report and protects my consumer rights. If you require any further information, please do not hesitate to contact me.

Thank you for your time and assistance.

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 2024-01-04 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: I.C. System, Inc.
State: CA

Complaint narrative:
pursuant to 18 usc 8 i owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has no permission to report anything using my info pursuant to 15 usc 1681 4

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 2024-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: MS

Complaint narrative:
2 years ago i go out of town on a vacation, so i call my credit card company so that i can put money on my card they said yes, and on my family vacation they stop my money i had to borrow money from my family .and than i payment them on time and i over payment in XXXX i make 2 payment they told me, i had to tell them that that pay were for XXXX and XXXX, so they keep it for that one month in XXXX they came back saying i were behind so i pay it again and i let them take the payment directly from my bank account, and they are still taking my money but my account do not go down, the lady told me that she can do what she want to and she did it to, i did not know they had mess up my credit score and my husband credit score just as well,,, please help me out

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: AL

Complaint narrative:
15USC 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 XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 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 ', let 's 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. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports 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 For 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
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Augusta Collection Agency, Inc.
State: GA

Complaint narrative:
A company listed as Augusta Collection AGC has reported negative information in the about of {$180.00} on to my credit report. The company never validated the debt. The company never provided an itemized bill statement, even though I requested this information prior to the account being reported on my account. The representatives working in the office are very rude and will constantly over talk you without providing any information. It was so bad I had to ask the lady was she being rude to me because I am XXXX- yeah, that's how bad it way. I wish I would pull the recording! I talked to a lady names XXXX and whoever her manager was- the other lady never gave me her name and told me she " didn't have to do a thing '' as if I am not the consumer trying to get assistance. & It for {$180.00}!! & I am not sure where the debt of {$180.00} is stemming from.- Nobody has the billing statement- nobody can tell me the charges. One lady said - I think it was XXXX " MAM I don't live in XXXX, I can not tell you what the charges are for '' - Why does where she live even matter when I am trying to get assistance to understand debt on my credit report. ABSOLUTE WORST CUSTOMER SERVICE EVER!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: EdFinancial Services
State: MA

Complaint narrative:
The student loans are parent Plus Loans in my mother 's name, but I pay for the ones taken out for me, and my brother does the same. The loans are serviced by EDfinancial. Back in XX/XX/XXXX, I set up autopay with the same account information I had used to make manual payments during the loan repayment pause. I had been making payments ahead of time despite the autopay setup since I wanted to reduce the interest more aggressively, but also wanted the autopay there in case I ever forgot to pay early. Eventually, I stopped because the portal said I was ahead by a couple of months but would be due for payment again starting on XXXX XX/XX/XXXX. I say this to show that though I had set up autopay in XXXX and everything showed properly on the client portal, Autopay had never been used up to this point. 

The autopay did not work and the account was starting to notify me that I had overdue balances today, XXXX XX/XX/XXXX. I went and checked the portal and the autopay displays everything set up properly, so I was very confused. My solution was to call the company as an authorized user to the account to try and determine why the autopay did not work. They told me not only do they not know why the autopay was denied. Furthermore, even though I just paid the past due amount and resubmitted for the autopay, I was told that the portal is incorrect in telling me the autopay will be enforced in 2-3 business days. I was told to expect 2-3 billing cycles ( 2-3 months ).

I am extremely dissatisfied with the following points here : 1. The call staff were unable to tell me what the issue was and why my autopay did not go through. 
2. I will need to wait 2-3 months to see if the second application will work, even though nothing has changed between the first and second applications for autopay. 
3. The client service portal displayed that the autopay was active despite being told it was not by the call staff, and the confirmation pop-up for resubmitting for autopay instructs the user that the autopay will start in 2-3 business days ( which is not accurate ).

Between the inaccurate website and the lack of information, I find it very frustrating that the loan company is being this difficult with me just trying to pay my loans off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: FL

Complaint narrative:
XXXX business credit card with XXXX XXXX is reporting incorrectly to my personal consumer report. XXXX XXXX reduce the credit limit to account balance and my score is affected because of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 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: FL

Complaint narrative:
XXXX business credit card with XXXX  XXXX is reporting incorrectly to my personal consumer report. XXXX XXXX reduce the credit limit to account balance and my score is affected because of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 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: FL

Complaint narrative:
XXXX business credit card with XXXX  XXXX is reporting incorrectly to my personal consumer report. XXXX  XXXX reduce the credit limit to account balance and my score is affected because of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: RockLoans Holdings LLC
State: CA

Complaint narrative:
At the end of XXXX I received an alert from one of my credit monitoring alerts that I had a 30 day late reported from my personal loan from Rocket Loans. I was surprised because I knew the payment had just cleared my account. I knew that my payment was late, I was running a couple of weeks late but it was not more than 30 days, I was shocked. So when I got a call from Rocket Loans on XX/XX/XXXX I asked them why I was being reported a 30 day late for {$15.00}. The notes on the credit report showed I was late for {$15.00} and when I looked online it seemed like it was for a {$15.00} late fee. The lady said yes it was reported for the {$15.00} late fee and I explained how asinine that was and I needed a supervisor to clear that up because my contractual payment was made within 30 days. So she put in a request for a supervisor to call me within 48  hours. So I finally get a call on XX/XX/XXXX from a XXXX from there escalation team who tells me the representative explained things incorrectly to me, that it wasnt the late fee that was reported. However what happened was that when my payment was made they took the late fee first which made my payment short by {$15.00} and that is what made me late because there wasnt enough money to make the payment after they took there {$15.00}. I dont know how he thought this was a better explanation, but I asked him how could they take their fees first before applying the contractual payment forcing me to be late and creating more fees and negative credit reporting? And he could not give me a straight answer. I told him that their way off processing payments hurts their customer and only benefits them as a company. If they had not taken their fees first and applied the payment I would not have been late. I have never had a company take their late first fees before applying the contractual payment. I was in a tight financial bind and could not pay both at the time but was trying to make sure my contractual amount was taken care of but instead because of their unethical payment processing practices I dropped over XXXX points on my credit. In the end they refused to reverse the credit reporting and the only thing they would do is modify my loan. I do not think the way they process there payment is ethical and really should be investigated. This is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: GA

Complaint narrative:
The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 effective immediately and indefinitely concerning the account in question below. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation.

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 2024-01-04 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: NY

Complaint narrative:
My recent credit report review caused me severe XXXX. I found that what is being reported is unverified, inaccurate and extremely problematic. My credit is being grossly misrepresented and now I can not get new credit at reasonable rates and it is preventing me from getting funding for my business which can very quickly become detrimental.

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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We have been trying to get Wells Fargo to respond to our issues with no fair resolution... They added a forebarnce account to our credit report without our permission... we did not sign anything related to this account and Wells Fargo can not show us the documents .... This has caused us great pain financially... We think that this is a racial issue and is discrimation ... .We both are XXXX  and I am retired military .... We deserve better .... Please see attached documents ....

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 2024-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Finance Company, LLC
State: DC

Complaint narrative:
Reported this account is not mines uploaded police report attached and a new id and social security was sent out to me name CELTIC BANK/CONTFINCO Account number Account type Credit card Responsibility Individual Date opened XX/XX/XXXXXXXX  Status Closed. {$910.00} written off. 
Status updated XXXX XXXX  Balance {$0.00} Balance updated XX/XX/XXXXXXXX  Recent payment - Monthly payment - Credit limit {$750.00} Highest balance {$910.00} Terms

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 2024-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
XX/XX/2022 refused me to cash a check and also stated it was a fraud check. Held my funds for 4 weeks.

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 2024-01-04 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
pursuant to 18 usc 8 i owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has no permission to report anything using my info pursuant to 15 usc 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: IL

Complaint narrative:
My information has been used fraudulently without my knowledge nor consent. This has resulted in a un-authorized bankruptcy being reported on my credit reports, along with an account, several addresses that I'm not connected to, and some un-authorized inquiries. I am requesting that these items are deleted immediately.

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 2024-01-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Crow Creek Sioux Tribe
State: NC

Complaint narrative:
Did not accept payoff offer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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:
15USC 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 XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 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 ', let 's 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. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports 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 For 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
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
THE ACCOUNT ENDING XXXX HAS BEEN PAID BUT IT IS STILL ON MY CREDIT REPORT AND HURTING MY CREDIT REPORT. PREVIOUSLY I HAVE SUBMITTED MY COMPLAINT OF BEING A VICTIM OF IDENTITY THEFT. BUT YOU HAVE DECLINED MY REQUEST. NOW ITS BEEN PAID OFF I REQUEST TO DELETE THE ACCOUNT FROM MY CREDIT REPORT DUE TO IDENTITY THEFT. THE INFORMATION YOU ARE REPORTING ARE INCORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I opened a Victoria XXXX  store card account in XXXX and was given a credit limit of {$250.00}. Falling behind on the payments the account was ultimately closed and has since been charged off with interest at a rate in upwards of 250 % at {$680.00} ( charge off amount ).

Company response to consumer: Closed with explanation