vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-05 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:
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 number : 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 a consumer reporting agency can not furnish a account without my written 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 2024-02-05 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I reviewed my consumer reports and noticed that i had two late payments on two accounts ( JCMB, GS Bank USA ) that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/XXXX  I filed a complaint with the Cfpb on the company XXXX XXXX XXXX reporting inaccurately and not giving me proper due process on my credit reporting rights.The company responded on XX/XX/ saying that they did a proper investigation report but to fix the problem and resolve the issue, they would delete the tradeline from the credit bureaus as a result! Nothing has changed on my reports and I still have inactivation being reported on 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 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/ I filed a complaint with the Cfpb on the company XXXX XXXX XXXX reporting inaccurately and not giving me proper due process on my credit reporting rights.The company responded on XX/XX/2023 saying that they did a proper investigation report but to fix the problem and resolve the issue, they would delete the tradeline from the credit bureaus as a result! Nothing has changed on my reports and I still have inactivation being reported on 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 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My information has been leaked in recent data breaches and my information may have been used fraudulently without my permission. The following are discrepancies that were found on my credit report. 
Accounts in collections # 1. XXXXXXXX XXXX XXXX. Original creditor : XXXX XXXX bank. Amount : {$440.00} # 2. XXXXXXXX XXXX XXXX Original creditor XXXX XXXX XXXX. Amount : {$340.00} # 3XXXXXXXX XXXX XXXX Amount : $ : {$1900.00} Accounts closed with balance # 1. XXXX XXXX XXXX. XXXX XXXX is Payoff. Amount : {$75.00} # 2XXXX, XXXX. Amount : {$310.00} # 3.Creditor Information XXXX XXXX XXXXXXXX Amount : {$5900.00}

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 non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
I have never done business with Consumer XXXX Company that has added a derogatory account on my credit report on XX/XX/year>. I have not received a call, email, or letter in the mail advising what the {$1200.00} could be for. However, I have never done any business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: WA

Complaint narrative:
On XX/XX/, I went to the Bank of America location at XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. 

I asked to close my accounts with Bank of America ( checking and saving ) because they had been charging me low balance fees. 

The representative I spoke with advised he would close the accounts and not charge me any more low balance fees. 

I checked my mobile Bank of America application this morning, and saw that my savings account had been closed, but my checking account had not been. Further, I have been charged {$12.00} for a " monthly maintenance fee ''. 

I called the representative I spoke with this morning, and left a voicemail asking him to call me back. He has not called back. I called Bank of America 's helpline, but no one answered. 

I want my checking account closed, and I want the {$12.00} fee waived. It is an unfair and deceptive act to represent they have closed my account, while failing to do so and charging me for the same. 

Thank you, 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 monetary relief
Consumer complaint received 2024-02-05 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:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate 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 non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I was never late on this account in XX/XX/XXXX XXXX 

I was reported to the credit bureaus as having 1 late payment and I have attached proof so you can see that this account is being reported inaccurately. You can see that this account is being reported differently across all three credit bureaus as well. Look at how all the information is different. 

This is a violation of the FCRA Section 623 and also a violation of the Fair Credit Billing Act. This has really dropped my XXXX score and I need it fixed ASAP.

I applied for an auto loan with XXXX and this hurt my interest rate because of the late payment.

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 2024-02-05 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: NJ

Complaint narrative:
I was never late on this account in XX/XX/XXXX XXXX 

I was reported to the credit bureaus as having 1 late payment and I have attached proof so you can see that this account is being reported inaccurately. You can see that this account is being reported differently across all three credit bureaus as well. Look at how all the information is different.

This is a violation of the FCRA Section 623 and also a violation of the Fair Credit Billing Act. This has really dropped my credit score and I need it fixed ASAP. 

I applied for an auto loan with XXXX and this hurt my interest rate because of the late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: NJ

Complaint narrative:
I was never late on this account in XX/XX/XXXX XXXX 

I was reported to the credit bureaus as having XXXX late payment and I have attached proof so you can see that this account is being reported inaccurately. You can see that this account is being reported differently across all three credit bureaus as well. Look at how all the information is different.

This is a violation of the FCRA Section 623 and also a violation of the Fair Credit Billing Act. This has really dropped my credit score and I need it fixed ASAP. 

I applied for an auto loan with XXXX and this hurt my interest rate because of the late payment.

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 2024-02-05 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
Credit collection services I never had a. Account with them and would like to report there saying I do committing fraud spoke with representative there could not verify debt been 2 years said they will fix the problem and still reporting negative on my credit report which is false and incorrect and would like this matter fixed asap.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo Bank/Credit card I am not liable for this debt due to the fact that I do not have a contract with this company and they have been attacking my credit report which is illegal 42 USC 408 , 15 USC 1681 right to privacy states that they have to have written consent in order to post anything to my credit report I have sent in several notice of intent as well as notice of trespass they have not provided any information on a contract in wet ink signature of all parties

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 2024-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Credit Karma, LLC
State: NE

Complaint narrative:
Credit Karma said that if I sent my tax refund to them and their mobile wallet/money feature they would provide me with an advance of the refund. I did so. Then Credit Karma locked me out of the money feature refusing to allow me to update my new phone number to the app and then " verify '' who I am. I have submitted 5 Support Claims and provided photo identification and they have continued to ignore me for the last two weeks while refusing to give me access to my money they are illegally withholding. I see no resolution with them in the near future and feel like they frauded me out of my money which is almost {$2000.00}!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
On XXXX XXXX XXXX I reached my final count of 120 qualifying payments that needed certification. My PLSF form states that I've been with the same employer since XX/XX/XXXXXXXX MOHELA has failed to count XX/XX/XXXXXXXX XXXX XXXX. I've called MOHELA several times to fix the issue and update my count so that my loans can get forgiven under PSLF. MOHELA has failed to give me a proper resolution of certifying all of my counts. MOHELA representatives give me no information on their process because this has been on ongoing thing with MOHELA. I've met all requirements for PLSF and MOHELA has failed me as a consumer. I've pointed out their error and their resolution is to wait it out. How is this acceptable? 
XXXX  XXXX XXXXXXXX Unsubsidized XX/XX/XXXX PSLF, TEPSLF Employment Not Certified View Details XXXX XXXX XXXXXXXX Unsubsidized XXXX PSLF, TEPSLF Employment Not Certified This payments should of been counted. Again my final PSLF states I've been with the same employer since XXXX There are no gaps in employments. Please assist in processing my form and finally be done with MOHELA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-05 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: PNC Bank N.A.
State: ID

Complaint narrative:
Hi Without my knowledge a external bank account was added to my online banking at PNC bank. The unauthorized bank is XXXX XXXX something

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-05 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: NJ

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2024-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
cfpb, chase bank has announced that they are not going provide tax statements by the Federal Law deadline ( XX/XX/XXXX ). 

see for yourself ; https : //www.chase.com/personal/tax-statements/investments/tax-forms-mailing-dates THEY DO THIS EVERY YEAR! 

cfbp needs to stop this predatory XXXX XXXX XXXX ( redundant ) from doing this EVERY YEAR and pay fines to consumers when they dont. 

I am requesting {$1000.00} for this ongoing predatory behavior whats the point of me writing this? 

cfpb is obviously getting bribes from chase to avoid this deadline. 
like i said this is ONGOING issue and you dont do anything about it. 

cfbp is as corrupt as chase please enjoy your undeserved paycheck ( how could you not? )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one closed my credit card accounts after they have failed to articulate what they wanted from me during their review and for what purpose i was being reviewed. as they closed my account I had over XXXX miles valued at over {$2200.00} and they refuse to reimburse me for these points as they closed my account against my will. this account is in the state of New York where the credit card company is to give at least 45 day before the points are forfeited. this is detailed in the following link https : XXXX Thank you XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-05 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: NV

Complaint narrative:
improper use of my credit report ..Inquieres that dosent belong to me ..Please remove them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2024-02-05 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: TX

Complaint narrative:
When I became victim of identity theft it became a negative impact on my life and credit. Whoever stole my identity obtained credit in my name fraudulently.

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 2024-02-05 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: TX

Complaint narrative:
When I became victim of identity theft it became a negative impact on my life and credit. Whoever stole my identity obtained credit in my name fraudulently.

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 2024-02-05 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I noticed several unauthorized inquiries on my credit report that I would like removed. According to the FCRA, these unverified items must be removed. I have reported identity theft to the Federal Trade Commission at IdentityTheft.gov. I've reach out to each company for removal but nothing has been removed. 

ALLY FINANCIAL - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-02-05 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: MI

Complaint narrative:
I am filing a complaint against TransUnion due to their failure to respond to a dispute letter that I mailed on XX/XX/XXXX XXXX via USPS certified mail with tracking number XXXX. In my dispute, I requested a thorough investigation into several inaccurate items on my credit report, including 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  and a Bankruptcy listing. 

To assist TransUnion in verifying my identity and address, I diligently included a copy of my photo ID, social security card, and a recent bill displaying my current address. 

Regrettably, I received a response from TransUnion, dated XXXX, stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 

This response raises concerns as it suggests a failure on TransUnion 's part to acknowledge the legitimacy of my dispute. According to the Fair Credit Reporting Act ( FCRA ), when a consumer disputes the completeness or accuracy of any information, the credit bureau is obligated to conduct a reasonable reinvestigation to determine the accuracy of the disputed items. It appears that TransUnion has not fulfilled this obligation, resulting in a violation of my consumer rights.

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 2024-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit card company XXXX initially charged me an incorrect finance fee, under Law 15USC 1666B those fees were deemed incorrect and I disputed these charges and requested a fee reversal. These fees were refunded as shown on my attached statement. In addition, the company subsequently charged me a LATE FEE of XXXX which too was deemed incorrect and refunded on my attached statement. This issue however is not completed and is showing up INCORRECTLY on my XXXX and TransUnion credit reports. Please note that the statement that my XX/XX/2023 statement was never delivered which also violates 15USC 1666B which states the statement was to be delivered to the consumer not later than 21 days before the date specified in the statement by which the payment must be made in order to avoid the imposition of that finance charge.

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