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

Complaint narrative:
On XXXX I sent a letter opting out of any and all authorization I the consumer may have given XXXX XXXX in a demand to have my personal, financial, public, and non private information removed from third party non affiliate companies and consumer reporting agencies per 15 USC 6802. 15 U.S. Code 6802 is about obligations regarding the disclosure of personal information. It states that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party 15 U.S. Code 6801 states that Congress has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. And Per 16 CFR 313.7 - Form of opt out notice to consumers 313.7 Form of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure ; I have submitted my opt out request even though the option was not clearly provided to 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 2024-04-01 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: NY

Complaint narrative:
Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept deletions of unauthorized erroneous items instead of taking legal action for the violation clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. i'm unaware of any of this. All is being investigate by the FTC

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 2024-04-01 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: TX

Complaint narrative:
My rights were violated for 3 years by this reporting agency, which failed to cease negative credit reporting under the Heroes Act of XXXX. The Heroes Act provided protections against such reporting during the duration of the Nationally declared disaster, COVID-19 Pandemic ( XX/XX/XXXX - XX/XX/XXXX ). 
The Heroes Act expanded relief during the pandemic and the FDIC, OCC, and Federal Reserve identified ways to assist struggling consumers such as myself, through repayment accommodations. Accommodation included : Extending payment due dates, deferments, and forbearance, none of which was offered to me. I should have not only received protection from negative reporting plus ( +120 ) days but offered a chance to repay past due balances in equal payments. For debts greater than {$5000.00}, I should have received a 36-month repayment term but instead have seen complete sabotage to my credit history.

I agreed to settle just for the sake of avoiding debt collectors who called me everyday until payment was received, which was also a suspended practice. Every creditor with negative payment remarks and reporting in my credit file was in direct violation of my rights and this Credit Bureau assisted them in doing so. The negligence has cost me my financial standing and peace of mind. I am not a representative of a credit repair agency, I do not dispute that the accounts belong to me, I am simply an upset consumer appalled by the mismanagement of information and influence during such a dark period in my life. 
I have attempted to resolve this issue at the lowest level possible. Rather than meaningful results, I am faced with intimidating language about the FCRAs rules on Legitimate disputes, a fluffy response that has nothing to do with my claim, or a you are a credit repair agency because there is no way this retired veteran could possibly know how to research legal topics. It is unfortunate that all this Bureau must do is type jargon and it suffices as a real response, case closed by the CFPB. I will not let this error continue. I want one of the options proposed as a solution selected and typed in a response. This way I can confirm I am not speaking to an autobot, which is the tone of all responses coming from the bureau.

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 2024-04-01 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: VA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so.

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 2024-04-01 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: VA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so.

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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: IL

Complaint narrative:
on XX/XX/year> a letter was sent to transunion advising there was incorrect information reporting to my credit and they have yet to respond and correct the issue

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 2024-04-01 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: VA

Complaint narrative:
I didn't initiate these inquiries, and I don't have any relationships with the creditors. I'm asking that they be removed from my credit report 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 2024-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: IPAC'S Inc.
State: MS

Complaint narrative:
Today I got a bill for {$240.00} from Advanced Recovery as of todays date I have never been aware that I owed this bill for my insurance is to pay this bill this is what the state of ms calls surprise billing after they have taken money from the insurance company that is suppose to pay off the debt they seek more which is illegal in the state of ms and is called surprise billing making the consumer a victim of collection when the billing is illegal to get money after being paid and being in the approved network

Company response to consumer: Untimely response
Consumer complaint received 2024-04-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Dates of Attempts to Resolve with NationStar D/B/A Mr. Cooper XX/XX/2024 XX/XX/2024 XX/XX/2024 XX/XX/2024 XX/XX/2024 XX/XX/2024 XX/XX/2024 XX/XX/2024 XX/XX/2024 XX/XX/2024 XX/XX/2024 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I engaged with a business that I found on XXXX to purchase a vending machine. The business had a local address and phone. We discussed purchasing and picking up the unit on Tuesday XXXX  On Monday, XXXX I agreed on the price for the unit and sent {$760.00} to the XXXX account email XXXX. Two hours later I recieved a receipt for the unit that I was told I would need when picking up on Tuesday XXXX. On Tuesday I again emailed to let them know that I would be leaving to pick the unit up, and quickly received an email back stating, " they didn't want to waste my time picking it up as it was a scam and they were sorry ''. I immediately requested that they send back my money and have never gotten a response since. In addition, I called Bank of America on Tuesday to notify them of the scam and they said I could open an investigation with their XXXX team. I opened the investigation and was told that it would take 30-90 days. Less than 48 hours later o Thursday XXXX I received a secure message with a document stating they denied my claim. I called and spoke to an individual on Thursday XXXX  and was told there was nothing they could do and were unwilling to reopen the claim. My understanding is that recent law changes last year allow for refunds when the scams are imposter scams. The business I was reaching out to is entirely fake, the website and all forms of communication. It doesn't exist at the physical location and was claiming to be a legitimate business.

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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: ND

Complaint narrative:
I am writing to you as a concerned consumer to bring to your attention a critical issue regarding the accuracy of my credit report and the unethical billing practices of TFS. As a credit agent, I trust you will investigate this matter promptly to rectify the situation and prevent further damage to my financial well-being.

I have filed a complaint against TFS due to their poor billing practices, which have resulted in inaccurate reporting of the amount owed. Despite providing evidence of payments made, TFS has persistently misrepresented my payment history, claiming that I have only paid {$1000.00} when in fact, a thorough review of my payment records would reveal this to be vastly inaccurate and fraudulent. 

To compound matters, my credit report has recently reflected an increase in the amount owed to TFS by {$11000.00}, instead of subtracting it as it should. This inconsistency has led to significant fluctuations in my credit score, which has consequently hindered my ability to secure loans and access essential medical treatment, including XXXX and dental care. 

The repercussions of these erroneous credit reports are severe, as they directly impact my physical and mental health, which is closely tied to my credit score. The inability to afford necessary medical procedures due to discriminatory loan offers further exacerbates my predicament and poses a significant risk to my overall well-being. 

I implore you to take immediate action to address this matter with the utmost urgency. I request a thorough investigation into the billing practices of TFS and an accurate reflection of my payment history on my credit report. Additionally, I seek compensation for any damages incurred as a result of the negligent reporting by TFS.

Your prompt attention to this issue is greatly appreciated, as it is crucial in safeguarding my financial stability and ensuring equitable access to essential healthcare services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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

Complaint narrative:
As I was in review of my credit profile I noticed that there were inquiries that are not mine.

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 2024-04-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
I applied with Newrez mortgage for a cash out refinance for a home improvement project. I was assured that everything met the credit standards, I had plenty of equity in my home and my social security income was enough to qualify me. During the underwriting process a bank statement was requested for my personal bank account. I provided those documents and after viewing them it was requested to get copies of my llc business bank account. They used the term sourcing the funds concerning some transactions on my personal bank account. I explained the situation and provided a third statement to help clear up the issue. Since my business was not applying for the loan in anyway it should not be necessary to have those banking statements. My loan officer XXXX XXXX even mentioned on a call that in all his years in the industry he never heard of anyone asking for bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : 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 Remove all incorrect personal Information Incorrect DOB - XX/XX/XXXX - Remove all incorrect personal 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 2024-04-01 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: IL

Complaint narrative:
on XX/XX/24 a letter was sent to equifax advising there were some incorrect personal information and they have yet to process my request.

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

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-04-01 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: MD

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-04-01 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: IN

Complaint narrative:
I have pulled my consumer report and see that there's a collection account on my consumer report. I do not recognize this creditor. According the FCRA under 15 U.S. Code 1681b - Permissible purposes of consumer reports.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

A creditor needs my written consent to add anything to my consumer report, if I did not give this authorization that is a violation of the Fair Credit Reporting Act I have not given any verbal or written authorization for this reporting. The claimed original lender on the reporting says " XXXX XXXX ''. I do not owe XXXX XXXX as I have a official court ruling stating there's no balanced owed to this original creditor. Where is the information coming from?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: FL

Complaint narrative:
Company is contacting family members trying to get info even after ive requested proof of ownership.

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 2024-04-01 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: FL

Complaint narrative:
This grumbling to TRANSUNION was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. 
As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the FTC number XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief