vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-21 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: CA

Complaint narrative:
I am writing to file a formal complaint against TransUnion concerning their handling of my identity theft dispute. Despite documented proof and investigation results from XXXX and XXXX confirming my victimization of identity theft, TransUnion has failed to appropriately address the issue. 
On XX/XX/XXXX. I filed an FTC Identity Theft Report and promptly notified all credit reporting agencies. XXXX and XXXX diligently investigated and subsequently acknowledged my status as an identity theft victim. Both agencies removed the fraudulent account from my credit report and file. 
In contrast, TransUnion unreasonably concluded that the reported account was accurate, disregarding the findings of XXXX and XXXX. Despite my multiple attempts to seek transparency and validation of their verification methods, TransUnion failed to comply with my rights as outlined in 15 USC 1681g, neglecting to provide the sources of information contained in my credit report and failing to furnish proof of the original contract associated with the disputed account.

Additionally, under 15 USC 1681i ( 7 ), I am entitled to know the steps taken by TransUnion to verify the accuracy of the reported item. Regrettably, they have repeatedly disregarded my requests for information, violating my rights under the law.

Moreover, it's important to note that I did not provide written permission under 15 USC 1681b for TransUnion to furnish this information, further compromising my rights.

TransUnion 's actions are also in violation of the Privacy Act of 1974 ( 5 USC 552a ( b ) ) and 12 CFR 1016.7 ( a ) ( 1 ) of Regulation P. Despite my explicit request to opt out of the sharing of my information pursuant to 12 CFR 1016.7 ( g ) and ( h ), TransUnion has failed to adhere to these directives.

Their disregard for my rights and mishandling of this situation have caused severe personal harm and discrimination, affecting my reputation and financial well-being.

I respectfully request the Consumer Financial Protection Bureau 's intervention in this matter to ensure that TransUnion rectifies this situation promptly and in accordance with the law. I also request an investigation into their practices to prevent similar injustices against other consumers.

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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I submitted a payment on XX/XX/2023 to XXXX XXXX XXXX to avoid my account going into delinquency by XX/XX/XXXX and the payment was stated that it was successfully processed. It was only after they sent my payment confirmation to the credit bureaus, that they stated that they were not able to process my payment. There were funds in my account with proof that the funds were available and ready to be deducted. I have been making consistent payments without being late for over a year and a half. My credit score has taken a massive hit after rebuilding it, and should not be blamed for a clerical error conducted on the creditors end. As you can see attached, XXXX XXXX XXXX ( Account # : XXXX ) did not inform me that they were attempting to take the funds out of a wrong account until the XXXX XXXX XXXX XXXX After sending my information to the credit bureaus on the XXXX of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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: SC

Complaint narrative:
In accordance with the Fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states 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 explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Target has blocked payments multiple times and has opened the payment portal the day after the payment was due to charge me a late fee. The company has done this multiple times and I have contacted it to get these fees removed, but Target has kept these fees and has charged me interest on the fees. I have paid off the card fully at this point, but the company 's fees and interest remain. I would like Target to remove them and close out my account. I have some written records and screenshots. Target has blocked me from using the messaging center to avoid generating more records. Some of these fees are more than a year old, so these have gotten much worse over time. I want my account cleared and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: PENNYMAC LOAN SERVICES, LLC.
State: AL

Complaint narrative:
- My wife and I owned our home until XX/XX/2023 - We did a XXXX  loan assumption - We closed on XX/XX/2023, and the closing attorney told us we owed {$420.00} for prorated taxes, which we informed her was wrong because we knew taxes were supposed to be at least {$1400.00} per XXXX XXXX and per our lender, but she insisted the {$420.00} is all we needed to bring - At the time of closing, our escrow account had a total of {$2600.00} in it that we had been paying every month for the prior year as part of our normal mortgage payment - We did not receive this amount as a refund from PennyMac after closing - 4 months later, on XX/XX/2023, we received an email from the attorney with a bill stating we needed to pay her {$2300.00} to cover the difference in taxes - We informed her that that was fine, we never got our escrow refunded, so the buyers should have the {$2600.00} balance from when we closed to cover that excess - The buyers claim that the {$2600.00} did NOT come from our mortgage payments for the prior 10 months, even though the escrow statement they provided showed where we paid and the running total each month - We then received an email from the closing attorney saying she would pay the taxes for us and we could reimburse her- We told her no, because we don't believe we are responsible for that, because the {$2600.00} that was in escrow + the {$420.00} we paid at closing for taxes was more than enough to cover our portion - After being dismissive and wiping her hands from the situation, we received an email XXXX minutes later from her that said she is now representing PennyMac and their position is that we need to sign a new closing disclosure and bring a cashier 's check for {$2600.00} to give the buyers of the home That's about it, none of this makes sense to me and my wife. By my math, we are technically owed {$270.00} from this ordeal, but instead we have been told we have to pay an additional {$2600.00}, which was the balance in our escrow at closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Wrong address wrong social security Open account wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Today, XX/XX/XXXX, I received a letter from Chase XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) regarding a transaction on XX/XX/XXXX charged amount {$8.00} by the merchant XXXX XXXX. I explained I did not recognized this transaction by calling the number written behind the Chase credit card, XXXX. The customer service seemed to be named, XXXX, but I could not recognize his name since the pronunciation was not clear. He was not a native XXXX speaker. After explaining several times, we finished this charge was fraud and he told me the card, which I had now, was closed ; therefore, I would receive another Chase credit card. It would be XXXX new card. He told me this charge {$8.00} was made previous credit card, which I used for years, ending XXXX. I immediately considered it should not happen because I already did not have this card ending XXXX, because it was already cut and discarded ; therefore, this charge should be made by some companies in the past, which I had the transaction and did not know my card was changed. Anyway, this is clearly fraud by somebody and/or some company, which use my previous card number ending XXXX. I am not sure which company did clearly, since most of the existing companies, which has some kind of transaction have notified the change of card, except the newspaper company " XXXX. '' Since the letter from the Chase asked me to contact with XXXX regarding this XXXX, I will fight with it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-21 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-12-21 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-12-21 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: TX

Complaint narrative:
You were notified that the account XXXX is inaccurate and failed to correct or verify this account. Stop reporting for FDCPA non-compliance of inaccurate data furnished on my consumer report. I also submitted proof that my personal information was involved in XXXX data breach, and you still failed to investigate and provide a valid ID, copy of my ssc, or anything that would validate the alleged debt belongs to me. Lastly, my credit report will show that you are reporting inconsistent information to the credit reporting agencies such as the payment history and the date last active. The accurate reporting of this date is crucial for maintaining the integrity of my credit profile and ensuring compliance with the FDCPA. XXXX XXXX XXXX has lost all credibility with anything that they are reporting, and I will seek legal action if this account is not removed immediately. Please see the attached credit report and data breach claim id and remove the aforementioned account from my credit 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 explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX This debt collector has called me up to XXXX times a day sometimes within XXXX minutes of each call and I have asked them to please cease all phone calls as they have not only called multiple times but have threatened judgement and legal action and have also added a second debt to my report after I tole them I would report them for harassment. They refused to mail me documents to prove the debt and refused to provide a call log of all the times they have contacted 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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I trust this letter finds you well. I recently reviewed the updated copy of my credit report and noticed errors and discrepancies in the information furnished by your agency. 

In light of this, I am planning to apply for a new credit line. However, I am concerned that the presence of this inaccurate information may lead to a denial of my application. Therefore, I am reaching out to request the prompt removal of these invalid items from my credit file. 

*Please see letters for the negative items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I trust this letter finds you well. I recently reviewed the updated copy of my credit report and noticed errors and discrepancies in the information furnished by your agency. 

In light of this, I am planning to apply for a new credit line. However, I am concerned that the presence of this inaccurate information may lead to a denial of my application. Therefore, I am reaching out to request the prompt removal of these invalid items from my credit file. 

*Please see letters for the negative items.

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 2023-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Trying to collect on a debt I did not initiate.

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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Subject : Request for Identity Verification To Whom It May Concern, I am writing to request identity verification in connection with my credit report. I believe it is essential to ensure the accuracy and security of my credit information.

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 2023-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
I am writing in response to the debt collection notice I received from your company regarding the alleged debt that you claim I owe. I am requesting that you provide me with validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ). 

EASTERNACCOS ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: CLGF Holdco 1, LLC
State: IA

Complaint narrative:
This account appears on my credit report and does not belong to me. I would like supporting documentation showing that this account belongs to me or I want this removed right away. I have not received any cooperation with this company in assisting with either request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I'm seeking your urgent assistance in addressing a concerning issue related to inaccurate information on my credit report. The credit bureaus are reporting an incorrect and inaccurate negative/delinquent account, and there are inaccuracies in my personal information as well. I am deeply concerned about the potential impact on my creditworthiness due to this incorrect reporting. 

I have attached a detailed letter outlining the discrepancies and have provided copies of my utility bill and driver 's license, both containing my accurate personal information. I believe these documents will support my case for the removal of the inaccurate negative account. 

I kindly request your prompt intervention and assistance in rectifying this matter. I understand the importance of maintaining accurate credit information, and I trust that your involvement will help ensure a fair and accurate representation of my creditworthiness. 

Thank you for your immediate attention to this matter. I appreciate your assistance in resolving this issue. 

Kind regards, 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