vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-14 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: IL

Complaint narrative:
On XX/XX/year>, complaint XXXX XXXX, I submitted a request to TransUnion, explicitly asking them to produce proof of authorization for several inquiries made on my credit report. I emphasized that I did not provide authorization for these inquiries and demanded that TransUnion provide evidence demonstrating that I had indeed permitted for these companies to access my credit report. 

TransUnion, as the credit reporting agency responsible for maintaining accurate and up-to-date credit information, is obligated under the Fair Credit Reporting Act ( FCRA ) to ensure that any inquiries on my credit report are lawful and authorized. According to the FCRA, it is the responsibility of the credit reporting agency, in this case, TransUnion, to obtain proof of authorization from the companies that made the inquiries, not from the consumer. 

Despite my clear request and legal rights under the FCRA, TransUnion failed to produce the required proof of authorization within the mandated XXXX period. Instead, they merely acknowledged receipt of my complaint and initiated a review process, delaying the resolution of the issue. 

TransUnion 's failure to provide the requested proof of authorization within the specified timeframe constitutes a violation of the FCRA. The FCRA mandates that credit reporting agencies promptly investigate and address consumer disputes, including providing proof of authorization for inquiries, within XXXX days of receiving a request. By neglecting to fulfill this obligation, TransUnion has infringed upon my rights as a consumer and violated federal law. 

See the attached companies listed within the dispute.

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 2024-05-14 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose!! This company constantly reports to my credit when the car doesn't function properly! I have tried several times for them to understand I have also disputed this from my credit and Experian will remove it then put it back up which is affecting me! I HAVE RIGHTS NOR DID I GIVE THEM PERMISSION TO DISCLOSE ANY OF MY INFORMATION TO ANYONE.

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 2024-05-14 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: NJ

Complaint narrative:
I've consistently ensured that payments on this account are made on time, avoiding any overdue status. I'm unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.

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 2024-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I've consistently ensured timely payments on this account, never letting them become overdue. I'm unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.

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 2024-05-14 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: IL

Complaint narrative:
This unauthorized account is not mine, and I did not authorize its establishment. Please delete this inaccurate account from my records.

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 2024-05-14 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: T.S. Holdings
State: AL

Complaint narrative:
IQ Data International harassed me and threatening me of damaging my credit profile. Demanding money upfront without giving me any other information aside from accusations. 

IQ Data International refused to provide information of the accused debt and refused to provide any copies of the said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: IL

Complaint narrative:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.

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 2024-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX weeks ago capital one bank sent me an email stating they would close my account given I did not abide by their policies. The email stated any remaining balance would be transferred within XXXX business days to an external account. It has been XXXX weeks ( since XX/XX/year> ) and this bank is now holding frozen my XXXX payroll checks. I am unable to withdraw them to pay bills, gas, groceries, survive. I need help before I become homeless and unemployed. I need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: NE

Complaint narrative:
On XX/XX/2024 I received a checking account fraud alert from BMO. 
After checking my account there were indeed several fraud charges. 
I called their customer service reported it and I was told my bank card would be turned off. 
The following day more charges were made. I called again to report those. Again I was told it was turned off. 
Monday all those pending fraud charges started to clear my account. 
XXXX charges in all, totaling {$2500.00}. 
I went to my local BMO bank. The debit card had not been paused. The XXXX helped me file a fraud report. The card was closed at that point. 
I spoke with the fraud department several times last week and went over the charges with them. 
Today I was told that they had contacted all the vendors about the fraud and the only way I would receive a refund is if the vender pays it back to my account. 
I live in Nebraska these charges were made in California. 
I am being told I will not get this money back unless the vendors refund it.

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 monetary relief
Consumer complaint received 2024-05-14 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:
This is my complaint to EXPERIAN for taking no action on correcting and removing the fraudulent accounts including the unauthorized inquiries that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my FTC reports with report number XXXX and XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I received a letter by mail from Medical Revenue Service ( XXXX XXXX on XX/XX/year>2024 indicating a balance of {$50.00} is owed on Account # XXXX. On XX/XX/year>2024 I sent an email disputing the debt and requested validation because the debt is not mine. Then, on XX/XX/year>2024 I receive a letter from XXXX XXXX dated XX/XX/year>, that my dispute was received on XX/XX/year>2024 for Account # XXXX for balance {$8.00}. XXXX XXXX letter goes on to indicate they have continued their collection activities within the 30 day period the alleged debt is disputed by furnishing information on this debt to credit reporting agencies and based upon my dispute, XXXX has requested the reporting agencies update the information requested to reflect the account disputed. 

The account referenced in XXXX XXXX letter is not even the account from the initial communication with me, the consumer. The supporting documents to the letter further serve to validate Account # XXXX has a {$0.00} balance. Likewise, Account # XXXX has a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: IL

Complaint narrative:
I kindly request the immediate removal of this inquiry from my credit report, as it is not associated with me, and I have no affiliation with the involved creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: CA

Complaint narrative:
just recently looked at my credit report XXXX/2024. I saw some hard inquiries that did not have permissible purpose. i also attached evidenXXXX XXXX  XXXX XXXX XXXX  XX/XX/2024 This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b 2. XXXX XXXX XXXX  XX/XX/2024 This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b

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 2024-05-14 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:
For the past three months, I have taken the initiative to escalate my issue by creating two separate accounts with the Consumer Financial Protection Bureau ( CFPB ) and submitting identical complaints to the same company in the hopes of expediting the resolution process. The crux of the matter revolves around an erroneous late payment notation on my XXXX XXXX account, which I firmly believe is inaccurate. Despite my efforts, which included providing numerous supporting documents to both the data furnisher and the creditor to demonstrate that I made payments on time, the issue remains unresolved. I am diligently seeking a resolution to this problem and sincerely hope that this current complaint will be the final one I need to submit in order to rectify the situation and clear my record of any inaccuracies.

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 2024-05-14 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:
For the past three months, I have taken the initiative to escalate my issue by creating two separate accounts with the Consumer Financial Protection Bureau ( CFPB ) and submitting identical complaints to the same company in the hopes of expediting the resolution process. The crux of the matter revolves around an erroneous late payment notation on my XXXX XXXX account, which I firmly believe is inaccurate. Despite my efforts, which included providing numerous supporting documents to both the data furnisher and the creditor to demonstrate that I made payments on time, the issue remains unresolved. I am diligently seeking a resolution to this problem and sincerely hope that this current complaint will be the final one I need to submit in order to rectify the situation and clear my record of any inaccuracies.

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 2024-05-14 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:
For the past three months, I have taken the initiative to escalate my issue by creating two separate accounts with the Consumer Financial Protection Bureau ( CFPB ) and submitting identical complaints to the same company in the hopes of expediting the resolution process. The crux of the matter revolves around an erroneous late payment notation on my XXXX XXXX account, which I firmly believe is inaccurate. Despite my efforts, which included providing numerous supporting documents to both the data furnisher and the creditor to demonstrate that I made payments on time, the issue remains unresolved. I am diligently seeking a resolution to this problem and sincerely hope that this current complaint will be the final one I need to submit in order to rectify the situation and clear my record of any inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Real Estate Equity Exchange, Inc. d/b/a Unison
State: CA

Complaint narrative:
I was approached by Unison XXXX XXXX in XXXX  for a co-investment loan. This was during the XXXX XXXX pandemic, and due to some financial hardships I was experiencing, and the duress of battling a serious illness, the XXXX XXXX  offered, seemed a good solution. 
I was told I didn't have to repay the loan, but would share any proceeds in the event of sale of my home. 
The company didn't disclose at the time, that this was not really a co-investment, but in fact a reverse mortgage. 
I was not told in simple clear terms that their terms for refinancing are very strict, rigid and prohibitive. 
In fact, their terms are nothing short of predatory. 
Their agreement does not even allow a homeowner to refinance, or pre-pay their loan. 

Unison has imposed very strict terms and maximum on the amount on a refinance loan ... which leaves no leeway, or room to access the equity of a homeowner. 

I have called and emailed them asking if I can pre-pay the loan, which would allow me to refinance my home, access the equity and pay form some medical bills. ' Their replay is repeating their agreement ... per our agreement. 
My lender reached out to them, asking to modify the maximum loan amount ( or as they refer to it XXXX ) and they have refused. 

Unison 's co-investment is misleading and predatory. 
it is not a equity sharing loan or co-investment... it is a reverse mortgage. 
It robs homeowners of their hard-earned equity. 

They are incredibly difficult to deal with ... .almost robotic in their reply. 
They repeat the company policy. 

I hope you look into their practices and warn other homeowners not to take their bait. 
Shady business.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My Name is XXXX XXXX XXXX and I am a Victim of Identity Theft. As of XXXX of XXXX  I noticed on my Credit Report that a new card from XXXXXXXX XXXX XXXX XXXX XXXXXXXX ID # XXXX had been opened. At that time I contacted XXXX immediately to inform them that this was not my card that it was opened Fraudulently. I did not Authorize it, Approve it, nor did I sign for it, it was Identity Theft and Fraud and I would like it disputed and removed from my Credit File Account. Please Delete. 

Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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 Name is XXXX XXXX XXXX and I am a Victim of Identity Theft. As of XXXX of XXXX  I noticed on my Credit Report that a new card from XXXXXXXX XXXX XXXX XXXX XXXXXXXX ID # XXXX had been opened. At that time I contacted XXXX immediately to inform them that this was not my card that it was opened Fraudulently. I did not Authorize it, Approve it, nor did I sign for it, it was Identity Theft and Fraud and I would like it disputed and removed from my Credit File Account. Please Delete. 

Thank You, 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 2024-05-14 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: GA

Complaint narrative:
I was looking into buying a car so I looked at my credit report and seen that I had damages on my report that I didnt do.

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 2024-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
I contacted Nissan motor acceptance via chat first XX/XX/year>. After going through a grueling authentication process, I asked for a supervisor.I even advised, maybe the salesman had listed something other than what was provided at the POS. XXXX just remained adamant at getting the exact authentication, regardless of providing my middle initial vs middle name. I verified what was on file, and requested it be updated as i have provided in the chat. Sure it wont be, but its on file. XXXX never answered my question directly, which was initially regarding payment options. She likes to answer questions with questions! The agent wasnt able to transfer, advised me to call in. She was most unhelpful, and replied with automated information NOT pertinent to my inquiry. She then proceeded to put me through a questionnaire for a process she knew I didnt qualify. Given how familiar she was on my account history, and that no payment had been received! Mind you, the first payment wasnt due until 45 days after purchase! The current payment is 10 days past due. Her only concern was getting the payment! XXXX gave no other relevant alternatives, and a non apology! Just un empathetic, unprofessional! I then call in, am disconnected after a 5min hold. I call back and speak with a great representative, who went above and beyond to take ownership of my concerns. I maintained wanting a supervisor. He transferred me to the escalations team, who after another excessive hold, disconnected at pick up! I wish Id never left XXXX, as nissan doesnt have favorable policies for consumers experiencing financial hardships! The customer service is terrible, I actually would love to be transferred back yo my previous finance company!! Actively seeking information if this is possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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:
I have told XXXX the law says it is illegal to report transaction history. I have relayed that information to the Credit Reporting Agencies as well. Per the CFR, Fair Credit Reporting Act and the Privacy Act of 1974

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