vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-15 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: PA

Complaint narrative:
Attention to TransUnion and XXXX : I am writing to inform you that XXXX XXXX - Account # : XXXX, which your esteemed organization consistently reports on my credit profile, has been eliminated from other credit bureaus as of XX/XX/2024. Adhering to the principle of alignment among reporting agencies, I strongly request that you match this adjustment and consequently remove the derogatory item from my credit report. 
Since you are sharing information solely with one creditor, coherent consistency across platforms becomes extremely important. Eradicating redundancy leads to uniformity, resulting in a transparent reflection of borrower behavior. 
On another note, I have detected a newly surfaced collection account in my credit history. I am entirely unfamiliar with the subject, holding no responsibilities towards the reported debt charges. It's not clear where these accusations are coming from, I'm asking you nicely to get rid of them right away. 

Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account Number : XXXX Accurate recording and retrieval of financial transactions are crucial for building trust among stakeholders. Making sure everything works smoothly together boosts credibility, making the credit system run well and fair. 

Thank you for looking into this quickly and hope to hear back soon from your organization with positive results. 

Sincerely, 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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Disputing late payment onVS card and numerous credit inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: CA

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.

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 2024-04-15 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: CA

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: CA

Complaint narrative:
On XX/XX/XXXX, I delivered a notarized notice of revocation of any authorization ( s ) I have given XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( i ) allow the Landlord and/or Landlord 's agent XXXX disclose information about me, the resident, or my tenancy to credit reporting agencies including, but not limited to, the amount and timing of payments due pursuant to the lease including payment of monthly base rent, good behavior, problematic behavior, and any debt outstanding, which then may be used in a tenant record, credit report and/or credit score for the resident. ( ii ) any authorization given to the Landlord and/or Landlord 's agent to obtain resident 's consumer report, which Landlord may use if attempting to collect past due rent payments, late fees, or other charges from Resident, both during the term of the lease and thereafter. Under 15 U.S. Code 1681b- Permissible Purposes of consumer reports ; 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX any of its non-affiliates ( XXXX, TransUnion XXXX XXXX XXXX do not have my consent or authorization to furnish a credit report without my consent. Any delinquent items reporting on my account shall be removed immediately. This includes all late payments in my consumer report under my account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX well as any outstanding balances. If XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to report any unauthorized information about me to the credit bureaus, they will be doing so unlawfully and won't be in compliance with the Privacy Act of 1974. I have withdrawn all authorizations that I have given to the company to furnish and consumer report and this also applied to the credit reporting

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 2024-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I dont owe anything to community Medical Center where I work I dont owe {$120.00}. I spoke to the billing department I dont owe anything I was told by ICC systems not to communicate with me at all and theyre sending me text messages its against that I told him to stop I dont want to be harassed. I dont owe anything as for the CEO of the hospital system I dont owe anything that bill was paid

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 2024-04-15 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:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal 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 2024-04-15 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:
I urge you to take immediate steps to remove the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please address this promptly.

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 2024-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Specialized Loan Servicing Holdings LLC
State: NM

Complaint narrative:
I continue to have difficulty logging into the portal with Specialized Loan Servicing to pay my mortgage. As I continue to communicate my concerns via the messaging system in the portal, their response is to set up automatic payments. It's important to point out, that automatic payments are not part of my mortgage agreement. As a service agent, Specialized Loan Servicing, has a responsibility to examine why it is difficult to log into the portal. Or at least an analysis and survey users to see if they have any issues with the online system. I refuse to pay the late fees because it is not easy to pay through the online portal. I will continue to submit a complaint because their solution is not reasonable that their solution is to set up automatic payments. They need to improve their customer service tools.

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 2024-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Same as my last claim, Bank of America had contacted me telling me that they are asking for information from the merchant involved and telling me that they are asking for email and IP address involved in these transactions. This is absurd that the bank doesnt think that these charges were fraudulent and are so close-minded about the possibilities of how the fraudster made these transactions to look like mine. The person i talked to from Bank of America was named XXXX XXXX, she told me that a police report would not do anything as they dont investigate even if you file a report!! She said it wont change their decision XXXX bit! This is a lot of money that XXXX potentially losing just because of this bank! 

In regards to complaint 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 explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/2024, I called the Bank of America XXXX line. Bank of America does NOT have a fraudulent account opening choice for fraud so I had to use click on Debit card to get through. 
They informed me that the XXXX XXXX has a sepaate number XXXX. 
I fcalled and filed a fraudulent bank checking account, savings account, and debit card opening fraud. Th fraud claim was XXXX. The account was set up with my Tax ID that is available from XXXX. 

On XX/XX/2024, Bank of America sent a letter requesting : - a copy of my business 's articles of incorporation - any Fictitious Business Name Statement - Copy of my personal valid government issued identification - Original account documents you received - Proof of business address from XXXX XXXX to XX/XX/2024 XXXX ws unwilling to provide such personal information since the account was opened by a fraudster. 

On XX/XX/2024, Bank of America idicated that th ccount will remain open and be availabl for deposits, loans, and debit card usage. 

OUTRAGEOUS

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 2024-04-15 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:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2024-04-15 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:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2024-04-15 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: PA

Complaint narrative:
EQUIFAX. 

I am writing to inform you that I have detected a newly surfaced collection account in my credit history. I am entirely unfamiliar with the subject, holding no responsibilities towards the reported debt charges. It's not clear where these accusations are coming from, I'm asking you nicely to get rid of them right away. 

Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account Number : XXXX Accurate recording and retrieval of financial transactions are crucial for building trust among stakeholders. Making sure everything works smoothly together boosts credibility, making the credit system run well and fair. 

Thank you for looking into this quickly and hope to hear back soon from your organization with positive results. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to express my dissatisfaction and frustration regarding the handling of my complaint with the reference ID XXXX. Despite multiple attempts to resolve the issue directly with the involved party, I have encountered significant challenges and lack of cooperation. 

The essence of my complaint pertains to an unauthorized deduction of {$31000.00} from my Wells Fargo account ending XXXX without my consent or knowledge. This deduction is related to a business line of credit account ending in XXXX, which was erroneously attributed to me, despite my non-involvement as a guarantor. 
Upon investigation, I found that the deduction is related to a business line of credit account ending in XXXX, not XXXX, as incorrectly mentioned in some records. This account was opened in XXXX, not XXXX, as erroneously stated. Furthermore, it is crucial to note that I was not a guarantor for this account, and it is currently under bankruptcy proceedings. The business line of credit account belonged to XXXX XXXX XXXX, a company that ceased operations in XXXX. All associated bank accounts, including the mentioned line of credit, were closed at that time. The termination of XXXX XXXX XXXX was finalized in XX/XX/XXXX. I want to emphasize that my involvement with XXXX XXXX XXXX was solely as a shareholder and not as a guarantor for any financial obligations. Additionally, in XXXX, we applied for a business line of credit for another entity, XXXX XXXX XXXX, which was not approved. However, the bank incorrectly attributes the deduction to XXXX XXXX XXXX, despite it being unrelated to the mentioned account. 

Despite my efforts to resolve the matter with Wells Fargo Bank, I have encountered obstacles at every turn. One particular concern is the lack of documentation provided by the bank regarding their research into the matter. Despite numerous requests, I have not received any documents outlining their investigation process or findings. 

This lack of transparency and cooperation from Wells Fargo Bank has left me feeling helpless and frustrated. As a consumer, I have the right to be provided with relevant documentation and information pertaining to any investigation into a financial matter that directly affects me. However, the bank 's failure to provide such documentation only adds to the uncertainty and distress caused by this unauthorized deduction.

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 2024-04-15 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: PA

Complaint narrative:
Attention to XXXX and Experian : I am writing to inform you that XXXX XXXX - Account # : XXXX, which your esteemed organization consistently reports on my credit profile, has been eliminated from other credit bureaus as of XX/XX/year>. Adhering to the principle of alignment among reporting agencies, I strongly request that you match this adjustment and consequently remove the derogatory item from my credit report. 
Since you are sharing information solely with one creditor, coherent consistency across platforms becomes extremely important. Eradicating redundancy leads to uniformity, resulting in a transparent reflection of borrower behavior. 
On another note, I have detected a newly surfaced collection account in my credit history. I am entirely unfamiliar with the subject, holding no responsibilities towards the reported debt charges. It's not clear where these accusations are coming from, I'm asking you nicely to get rid of them right away. 

Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account Number : XXXX Accurate recording and retrieval of financial transactions are crucial for building trust among stakeholders. Making sure everything works smoothly together boosts credibility, making the credit system run well and fair. 

Thank you for looking into this quickly and hope to hear back soon from your organization with positive results. 

Sincerely, 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 2024-04-15 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: NJ

Complaint narrative:
I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the Gramm-Leach-Bliley Act ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NV

Complaint narrative:
I am a XXXX XXXX service Connected XXXX Veteran who qualified to have student loans forgiven. My Student loans were forgiven XXXX XXXX by XXXX the account was removed from my experian account but has yet to be removed from my XXXX and XXXX reports. No one is ever available to help with this matter when calling Mohela. I am in the process of buying a home and this does not reflect well on my behalf. XXXX currently has class action law suits against them for wrongful practice. I would just like some help in forcing them to do right by the people who trusted in them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: VA

Complaint narrative:
I am writing to follow up on my previous complaint regarding the persisting negative accounts on my credit report. While I appreciate the deletion you have made, I am concerned about the recurring nature of these disputes and the lack of a satisfactory resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: VA

Complaint narrative:
I am writing to follow up on my previous complaint regarding the persisting negative accounts on my credit report. While I appreciate the deletion you have made, I am concerned about the recurring nature of these disputes and the lack of a satisfactory resolution.

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 2024-04-15 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: AL

Complaint narrative:
Portfolio recovery. Open date XX/XX/2021 and showing a balance of {$460.00}. I have no contract with this company and it was already deleted from my Experian 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 non-monetary relief