vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-10 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I looked at my TRANSUNION credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to 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 2024-05-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally requesting this letter to remove or fix the following Accounts in my credit profile which are appearing to be Fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to Finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX  XXXX Balance Owed : {$200.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed XXXX {$10000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I am writing to challenge the reporting of a charge-off account that I believe has been inaccurately reported under my name. 
Account Details : CB/WAYFAIR Account Number : XXXX Reason : Account is showing a balance with a charge off as it's closed. please delete Instruction : Please delete due to a violation of 15 US Code 1681a ( 4 ) I initiated a dispute regarding this account with the credit bureaus, and it was subsequently verified

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I demand that bank of america complies with the Fair Credit Reporting Act and delete the referenced account from all of my consumer reports. Pursuant to section 623 of the act, it states that once a data furnisher receives a dispute from a consumer that specifies what they are disputing, explains the basis of the dispute and supply supporting documents, the data furnisher MUST either modify the item of information or delete it. I am demanding that it is deleted as it is inaccurate, incomplete and unverifiable. Please see attached exhibit ). Pursuant to 623 ( b ) ( 1 ) ( D ) and subparagraph ( E ) ( ii ) the data furnisher ( bank of america ) MUST remove the item of information from all consumer reports. If this does not get resolved promptly, I will seek legal action for FCRA violations.

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 2024-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Today on XXXX XXXX, 2024 I received a XXXX paper from Midland Credit Management stating that I now owed them my debt that I previously had with XXXX XXXX. In the paper which I attached below it states I can make {$25.00} payments bi-weekly so I called and settled on being able to pay {$40.00} weekly. They completely denied my offer. I asked to be connected to a manager as I was tired of going back and forth like you would at a car dealership. When I was connected to a supposed manager, she was extremely rude and had an attitude off of the bat. She told me she couldnt believe the previous lady helping me would offer to lower my total balance and that she wouldnt have done that. She went on to continuously insinuate that my XXXX house with my name on it would be put at risk and would be any second because it was out of her control. When I told her politely that I would have to call back later because I needed time to think about what to do she and I quote stated very rudely Well what do you need time to think about and told me that I had a year to think about it already and that no other debt relief company could help me and that this was my only option and the second I hung up could be the second my loan goes into legal action. The entire time I talked to her she talked down to me, denied any payment that I was willing to make despite the physical letter I got stating I only had to make {$25.00} payments bi-weekly, and threatened me over and over again. I was on the phone for almost an hour trying to resolve the debt and instead was harassed, treated like an XXXX, and lied to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC
State: IA

Complaint narrative:
XXXX - XXXX Mortgage XXXX - Divorce XXXX - Quit Claim deed XXXX - Signed replacement Mortgage Documents ( Lost Note Affidavit XXXX ) XXXX - Loan Modification XXXX XXXX XXXX XXXX XXXX- Not recorded XXXX - Loan Modification XXXX ( XXXX sold by XXXX ) XXXXnot recorded XXXX - XXXX shut down by FDIC XXXX - XXXX XXXX buys all assets XXXX XXXX- XXXX XXXX  Foreclosure XXXX - XXXX  XXXX XXXX - Converted and discharged XX/XX/XXXX, XXXX XXXX  sold mortgage and Lost Note to XXXX XXXX. Recorded XX/XX/XXXX. 
XXXX - XXXX recorded transfers to XXXX XXXX XXXX XXXX - XXXX to XXXX XXXX XXXX forecloses XXXX then does mod ( Not recorded ) transfers to Selene ( XXXX XXXX ) XXXX Quiet Title Action Selene transfers to ( XXXX XXXX  XXXX XXXX ) 5 days before default hearing, my attorney passed away XXXX. I can not find a lawyer, too late too much, robo signers, fictitious VP signs assignment from XXXX to XXXX. 

All transfers VIA XXXX XXXX was taken out of XXXX  by XXXX XXXX XXXX  in XXXX. 

Currently SELENE ( XXXX XXXX  XXXX XXXX is asking for Summary Judgment for Foreclosure, SELENE was served the Quiet Title Action and was to come forward by XXXX. STILL no Original Note since XXXX. 

SELENE and all after XXXX have NOT HAD THE NOTE - Scared me into making higher payments. REASON for QUIET TITLE ACTION

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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:
When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : U S DEPT OF EDXXXX XXXX XXXX : {$6300.00}

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 2024-05-10 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I looked at my EXPERIAN credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to 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 2024-05-11 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: FL

Complaint narrative:
XXXX XXXX  XXXX Inquiry : XXXX XXXX, 2023 I contacted this company, they did not respond.

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 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I have applied for personal loan with CITI Bank on XX/XX/XXXX about XXXX $ for 2 years term. It's declined. Everything was fair till this step and my XXXX XXXX XXXX was around XXXX points. I got a letters after one week of application about that showing my credit score is XXXX. My XXXX credit score was never below XXXX. This is incorrect information regarding 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 2024-05-10 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: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please eliminate these deceptive accounts from my credit report, as I never authorized their creation. Kindly delete this incorrect entry.

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 2024-05-10 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: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please eliminate these deceptive accounts from my credit report, as I never authorized their creation. Kindly delete this incorrect entry.

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 2024-05-10 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: OH

Complaint narrative:
XXXX begging you please remove this to the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: WA

Complaint narrative:
I recently applied for auto insurance and the agency collected information from LexisNexis Risk Solutions. Initially, their report was frozen and therefore XXXX XXXX denied my application due to the LexisNexis freeze. At first, I was confused since I had placed a freeze on all XXXX credit reports at XXXX, XXXX and XXXX, however I have NEVER done business with or heard of LexisNexis before. After unfreezing my XXXX credit reports, I learned that LexisNexis had placed a freeze on my report which had nothing to do with the other bureaus, and I spent hours connecting to a live representative to hash this out. Then the agent submitted a request for an insurance quote a second time to LexisNexis but a denial was issued again due to info on their report about an insurance claim I filed one time. The report provided to XXXX XXXX had XXXX reference numbers, however after speaking with LexisNexis, I was told that only ONE claim has been filed. The representative stated that she did not recognize the second reference number and therefore had no details to provide me with. I asked her to escalate my concern to corporate because I have been denied auto insurance due to false information provided by LexisNexis which gave negative inferences that I had bad credit and XXXX incidents reported which is completely inaccurate. I then choose to opt out of their information sharing because I never gave LexisNexis my permission to store my information and the document they have provided is inaccurate, plus there is no specificity provided on what the XXXX incident was leading State Farm to believe that I was uninsurable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: PA

Complaint narrative:
How is Transunion able to verify the accounts when other consumer reporting agencies like XXXX can not? I sent Transunion a dispute some unverifiable information from my report and they are refusing to comply. This violates the Fair Credit Reporting Act as consumer reporting agencies MUST be fair and equitable. The information goes as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . These are all unverifiable and I demand that they are deleted or I will seek legal action. See attached supporting exhibits.

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 2024-05-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and Equifax are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : U S DEPT OF EDXXXX XXXX XXXX : {$6300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I went to XXXX to deposit XXXX dollars into my CHIME checking account shortly after I received a few emails explaining that my accounts have been closed so when I called them they were very rude would not tell me why account was closed but proceeded to tell me that my account is closed and all my fund are not refundable, then they proceeded to hang up on me I called back XXXX more times getting different people on the phone to tell me same thing that the XXXX dollars in my account is gone I will not be getting back and all three of them hung up on me they are very rude and use disrespectful language, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: OH

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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 2024-05-10 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: OH

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-05-10 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: OH

Complaint narrative:
THE CREDIT BUREUAS HAVE VIOLATWD MY RIGHTS WILLFULLY I didnt give these companies consent or written permission to report in accordance to 5 USC 1681b. 15 U.S.C 1681 section 602 A. States I have the rights 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 They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per1 5 USC 1681c-2 these
need to be removed in XXXX days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. see attachments

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 2024-05-11 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: VA

Complaint narrative:
I would like to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX  Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$9800.00} Please confirm the information shown in this account is 100 % accurate or delete this account information from my credit report because I believe it may be erroneous. 

XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$260.00} Study the comments, payment status, and creditor. I need assistance in verifying these data so approach with importance and if fail to do so should result in a complete correction or deletion for this account. 

Lastly, I did not authorize the inquiries below. Please REMOVE it ASAP! 

XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year>

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief