vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-23 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: MD

Complaint narrative:
Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that XXXX, TransUnion, & XXXX didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and XXXX XXXX compliance reporting standards. 

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that XXXX, TransUnion, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.

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 2024-07-23 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: MD

Complaint narrative:
Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, XXXX, & XXXX didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and XXXX XXXX compliance reporting standards. 

Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that Experian, XXXX, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.

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 2024-07-23 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: AR

Complaint narrative:
XXXX XXXX XXXX {$12000.00} This company has willingly and knowingly violated my rights as a consumer. This company is in violation of the Fair Credit Reporting Act and the XX/XX/XXXX XXXX XXXX. Violations of the XXXX XXXX for non-compliance can result in fines up to {$100000.00} per each violation for financial institutions.With that being said this company along with XXXX, Transunion, and XXXX have been notified of the violations by me and no action has been taking. I am depending on the CFPB to make sure action is taking and to show these companies, organizations and institutions that they are not above the law. 

Under the XXXX XXXX XXXX U.SC. XXXX et seq. also known as the XXXX Services Modernization Act of 1999, I the consumer should be giving the option to opt out of my nonpublic personal information being reported to or with non-affiliated third parties. The opt-out notice must be must be explained clearly by financial institutions and provided in writing at the time of an in-person transaction and electronically for a online transaction. 

This option was NEVER provided to me! I request that this account be deleted and no longer be 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 non-monetary relief
Consumer complaint received 2024-07-23 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: AR

Complaint narrative:
XXXX XXXX XXXX {$12000.00} This company has willingly and knowingly violated my rights as a consumer. This company is in violation of the Fair Credit Reporting Act and the XX/XX/XXXX- XXXX XXXX. Violations of the XXXX XXXX for non-compliance can result in fines up to {$100000.00} per each violation for financial institutions.With that being said this company along with XXXX, XXXX, and XXXX have been notified of the violations by me and no action has been taking. I am depending on the CFPB to make sure action is taking and to show these companies, organizations and institutions that they are not above the law. 

Under the XXXX XXXX XXXX U.SC. XXXX et seq. also known as the XXXXXX/XX/XXXX XX/XX/XXXX, I the consumer should be giving the option to opt out of my nonpublic personal information being reported to or with non-affiliated third parties. The opt-out notice must be must be explained clearly by financial institutions and provided in writing at the time of an in-person transaction and electronically for a online transaction. 

This option was NEVER provided to me! I request that this account be deleted and no longer be reported on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 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: AR

Complaint narrative:
XXXX XXXX XXXX {$12000.00} This company has willingly and knowingly violated my rights as a consumer. This company is in violation of the Fair Credit Reporting Act and theXX/XX/XXXXXXXX. Violations of the XXXX XXXX for non-compliance can result in fines up to {$100000.00} per each violation for financial institutions.With that being said this company along with Experian, XXXX, and Experian have been notified of the violations by me and no action has been taking. I am depending on the CFPB to make sure action is taking and to show these companies, organizations and institutions that they are not above the law. 

Under the XXXX XXXX XXXX U.SC. 6801 et seq. also known as the XXXX XX/XX/XXXX Act of 1999, I the consumer should be giving the option to opt out of my nonpublic personal information being reported to or with non-affiliated third parties. The opt-out notice must be must be explained clearly by financial institutions and provided in writing at the time of an in-person transaction and electronically for a online transaction. 

This option was NEVER provided to me! I request that this account be deleted and no longer be 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 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, 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.

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 2024-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
There is a negative mark on my credit report from this UNKNOWN entity. I do not owe this entity money. It shows I have a balance of {$850.00} but I do not know either of the listed companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Clark County Collection Service
State: CA

Complaint narrative:
Dear Collector, I'm shocked at the proof that you sent me based on my validation request. The law allows me to request validation for above account. I don't know your company, as you XXXX be a scam artist trying to get money from people. I sent a letter to you 30 days ago asking for the following items. 
( 1 ). Contract with my name on it.

( 2 ). Full accounting of this account.

( 3 ). Proof that you have the right to collect money from me.

( 4 ). Proof that you have the right to collect in my state. 
And more. 
Where is this proof? How does what you sent me prove that this account belongs to me? It does not. Your company has failed on multiple levels. Let me tell you how.

( 1 ). You reported a debt to the credit bureaus causing my score to go down without validating.

Violation ( 2 ). You failed to provide sufficient proof, yet still continue collection activity by validating the debt above.

Violation Would you like me to continue? DELETE THIS ACCOUNT ASAP or face complaints to the FTC, XXXX, Consumer Financial Protection Bureau, and the Attorney General 's Office. I will also be reviewing my state law to see if a bond is required and if your company is registered to collect in my state. Don't escalate this matter further over this little debt. Delete it at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Lennar Financial Services, LLC
State: TX

Complaint narrative:
I sent mortgage pre-approval request to Lennar Mortgage. 
I have not even chosen a house yet. 
But they immediately made hard inquiry on my credit score at XX/XX/year>. 
They didn't notify me or asked me about it.

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 2024-07-23 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: PA

Complaint narrative:
EVERYTIME I WOKE UP IN THE MORNING, THESE INACCURATE REMARKS ARE STILL IN MY ACCOUNTS AND REPORT. THESE FALSE AND SHOULD BE UPDATED. 
I WAS NEVER LATE IN TERMS OF 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 2024-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC
State: AL

Complaint narrative:
No proof of ownership Debt collector communications via phone text asked to stop communicates send proof of ownership debt validation communication after XXXX also

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 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: PA

Complaint narrative:
Good evening my name is XXXX XXXX. I am a victim of identity theft with these items negatively affecting my credit report. I was previously incarcerated, during that time there extremes amount of debt accumulated in my name without my knowledge. So therefore meaning that the debt is not mine. 15 U.S. Code? 1692e states " A debt collector XXXX not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt. This debt is being reported falsely. ''

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 2024-07-23 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: PA

Complaint narrative:
Good evening my name is XXXX XXXX. I am a victim of identity theft with these items negatively affecting my credit report. I was previously incarcerated, during that time there extremes amount of debt accumulated in my name without my knowledge. So therefore meaning that the debt is not mine. 15 U.S. Code? 1692e states " A debt collector XXXX not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt. This debt is being reported falsely. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Academy Mortgage Corporation
State: PA

Complaint narrative:
We settled on our current house in XXXX, our then lender academy mortgage was managing the escrow of taxes. Somehow the school taxes for XXXX went unpaid by academy mortgage, XXXX was paid but the XXXX  threatened a sheriff sale in early XXXX. Academy mortgage company paid the taxes, sold the loan to XXXX XXXX and left a {$6000.00} escrow shortage causing our payments to balloon by an extra {$500.00} a month for 12 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: PA

Complaint narrative:
EVERYTIME I WOKE UP IN THE MORNING, THESE INACCURATE REMARKS ARE STILL IN MY ACCOUNTS AND REPORT. THESE FALSE AND SHOULD BE UPDATED. 
I WAS NEVER LATE IN TERMS OF 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 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In an attempt to access my credit account with Equifax on XX/XX/XXXX I tried to login in but none of my credentials were correct according to their website. I then tried to reset my password but was met with a message stating there was an error with processing my request, and then tried to create a new account but was told that I already had an account with my information. After trying the website I decided to call the helpline at XXXX ( XXXX ) XXXX and also at XXXX ( XXXX ) XXXX, both of which were the same exact automated menu. Upon giving my personal information, the automated voice on the line said that my information is incorrect. I proceeded to repeat these actions again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with the same result. Additionally on XX/XX/XXXX I attempted to reach out to a real representative of Equifax over the phone but was again met with the same automated menu.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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 insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ability Recovery Services, LLC
State: OK

Complaint narrative:
I have sent validation letter days ago to ensure that inaccurate items are not being reported on my credit report. Upon checking, I am met with disappointment as your company continuously violates the law.

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 2024-07-23 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: IA

Complaint narrative:
I have been a victim of a data breach and victim of fraud and identity theft. The accounts listed under or never opened using my consent, or permissible purpose or authority. They were used to using my personal private nancial information without proper permission. These companies never investigated or made contact with me to validate the accuracy of these accounts. Experian, XXXX, and XXXX XXXX, along with the creditors are in violation of FCRA federal law as I was never contacted to validate the account mentioned, and you XXXX be held liable pursuant to federal law title 15 USC 1681o and title 15, USC 1681n for willful and non willful negligence. Pursuant to FCRA 605B and Title 15 USC 1681c-2 I demand these accounts to be removed within four business days as permitted by federal law

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 2024-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I filed a dispute about a fradulent XXXX transaction. Chase denied it claiming the money was sent from my usual device even though I specifically mentioned that many people use my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I applied for and received my Chase Sapphire Reserve credit card at the beginning of XX/XX/year>. The promotional offer stated that if I made {$4000.00} in purchases within the first 3 months I would receive XXXX in welcome reward points. I have met those requirements and have paid my credit card before the due date. As soon as I met the requirements for the promotional points my account was closed by the bank and no explanation was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: MN

Complaint narrative:
I recently pulled my credit report & found some inaccurate accounts that were reporting. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of getting my first home for my family. Please review al of the my documents and remove the accounts that are list.

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 2024-07-23 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: TX

Complaint narrative:
My recent credit report review revealed an unauthorized account. Please delete this fraudulent account from my report, as it is hindering my credit acquisition. This account is unrecognized by me. 

Name : XXXX XXXX XXXX Account Number : XXXX Opened Date : XX/XX/year> Balance : {$600.00}

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 2024-07-23 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: OH

Complaint narrative:
I've recently reviewed my credit report and found that there are a lot of fraudulent and inaccurate items being reported. Please see attached documents.

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 2024-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Since XX/XX/year>, there have been multiple unauthorized withdrawals from ATMs that I have not made and have no awareness of anyone else who could have. I had XXXX in XXXX and was not attentive to my finances until I was further into my recovery in XXXX. I contacted Chase Bank to alert them of the issue twice that day to make claims on the XXXX connected accounts ( a linked checking and savings ). They told me it would take 10 days for my claim to be reviewed. I kept waiting for a reply, but then received a denial in a letter regarding the claim I had made on my savings, and no response to my checking claim. No evidence that I had even made one. 

I called the police and made a report with the XXXX, and I went to the local branch near my home on XX/XX/XXXX to get assistance. The local Branch tried to help, but the claims department continued to deny my claims despite the local branch 's efforts. ( XXXX XXXX was the banker i met with ). 

I called back and had my claim reopened only to be denied again. I would like my money back.

Company response to consumer: Closed with explanation