vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-21 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: AL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-21 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: AL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
LVNV Funding open account XX/XX/2022 for {$830.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: CA

Complaint narrative:
This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

LIST OF ACCOUNTS BEING CHALLENGED ; 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 non-monetary relief
Consumer complaint received 2024-05-21 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: CA

Complaint narrative:
This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXXXXXX 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 2024-05-21 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: SC

Complaint narrative:
Equifax has allowing access to my credit file and reporting my non public information without my written permission. I tried to communicate with them but with no response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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: CA

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

Company 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 2024-05-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is in regards to solicitation by Fifth Third Bank. I received their solicitation via mail and then called them to be removed from their solicitation on XX/XX/2024. The person I spoke to said that I would be removed now. However, onXX/XX/2024 I received more mail... So I called again, the guy I spoke with told me he would " escalate '' my request but only took my name and proceed to attempt to end the call by asking me if there would be anything else I needed. He did not ask my my address nor did he ask who the mail was addressed to, ( it was addressed to " our neighbor '' not my name ). He would have had no recourse to take me off their mailing. I then confronted him on this, and he said that this solicitation is part of their marketing department and he doesn't have access to help. I requested to be transferred to someone who could actually remove me from their solicitation, he refused. I then asked to be transferred to his supervisor, he agreed and put me on hold for 10 minutes before hanging up on me. This shouldn't be how they treat their potential customers. Barraging consumers with their junk mail and refusing to take action to remove them from their mailing lists when requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: IL

Complaint narrative:
Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX and I urge you to rectify the situation promptly by updating my records accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: PA

Complaint narrative:
I mailed Genesis Credit Management a Debt Validation letter on XXXX I checked the tracking on XX/XX/ and the post office is returning the mail due to their XXXX XXXX being vacant. Now when I check checked my XXXX report to write them a dispute XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX is listed on my credit report as their address. Please see attachment. So I wasted my my hard earned money on mailing a letter to this company that claims I owe them money. I never received the paper in the mail that statesI can dispute the alleged debt. Please see all attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Commencing on or about XX/XX/2023, I fell victim to multi-layered scam operations run by bitmart-trades.com which involved me making deposits for a total amount of XXXX USD from my Citibank account to fraudulent investment firm ( s ).

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 2024-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patient Accounting Service Center
State: TX

Complaint narrative:
I requested a copy of this signed agreement multiple times. This debt is XXXX old and I am just now getting signed agreement. However ; my signature was fraudulently placed on this document from the original sale order. I know this for a FACT because several pages are missing dates and customer ID information. Not only this but on page 3, the signed document has another person 's name, ID, and sales order information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/2023 I contacted XXXX XXXX XXXX regarding a 30 day late payment reported on my credit report to all 3 major credit bureaus in XX/XX/2023. I advised XXXX XXXX XXXX I did not receive a monthly billing statement for my first payment and my account was set up to receive monthly billing statements via mail. I also advised XXXX XXXX XXXX I did contact them via phone regarding my first billing statement and due date but I was told to call back due to some technical issues XXXX XXXX XXXX was having so I was unable to receive any information regarding my account. I later spoke with a XXXX XXXX XXXX regarding having the late payment removed from my credit report due to not receiving a monthly statement via mail, I was denied that request and told I should have downloaded their app for updated information. I spoke with a second representative with XXXX XXXX XXXX who did confirm I should just down load their app and not wait on a billing statement but she did assist me with putting in a request to have the late payment removed from my credit report which was denied. As a consumer I opted in for monthly billing statements which was denied by XXXX XXXX XXXX unlawfully. After a little research I have found XXXX XXXX XXXX has made this a practice to not send monthly billing statements to its customers and force its customers to use their app or website ( which are both terrible ) who have opted in monthly billing statements to be mailed. XXXX XXXX XXXX is deliberately committing these practices while charging late fees and negatively impacting its customers credit for profit. As a consumer I shouldn't be forced to use an app or website. I opted in for a monthly statement to be mailed for my benefit not for that to be used against me.This company is preying on consumers who need help. Please Investigate ....

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 2024-05-21 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 XXXX XXXX XXXX ( XXXX ) ACCOUNT # XXXX Original creditor : XXXXXXXX XXXX XXXXXXXX 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 INSTRUCTIONS

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 2024-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
I don't recall having a contractual relationship with this collection company NATIONAL CREDIT ADJUST. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I found a number of mistakes on my credit report and I contacted Experian in order to resolve these issues. They have down right failed to comply with FTC Regulations and refused to fix these issues, this is a clear 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 explanation
Consumer complaint received 2024-05-21 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: NC

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 that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-05-21 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: NC

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 that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: NC

Complaint narrative:
loan was taken out in XXXX and it was super expensive XX/XX/year> XXXX # XXXX Dear XXXX XXXX, Thank you for your communication. As requested and agreed, on XX/XX/year> you authorized us to process a one-time payment from your debit card ending in XXXX for {$690.00} for the remaining balance on your loan. Once this payment posts and clears, your account with Big Picture Loans will be marked as paid in full. * Please allow XXXX business days for your account status to be fully updated. Its been a pleasure having you as a customer. If you need us in the future, please contact us. 

Thank you, Customer Support Big Picture Loans XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: MS

Complaint narrative:
Nordstm TD charege card open XX/XX/year> and the amount due {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: MO

Complaint narrative:
I'm resending my dispute letters since I didn't get the full resolution to my concern. Again, YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.

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 2024-05-21 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: NY

Complaint narrative:
Hello dear credit Bureau, I have noticing an error on this account. Ive been reporting it and it havent been fixed yet.

And this error is obstructing my ability to obtain credit or having a credit on a good standing To have the initiation of buying a house on the near future. 

1st. Account type default is not showing the exact account type on one of the credit bureau please I want that to be fixed 2nd. the open dates are not being accurate on these account please fix it so I can get a good standing on my credit.

3rd. The last reporting day on one of the account is not the correct I would like for you to fix it please.

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello dear credit Bureau, I have noticing an error on this account. Ive been reporting it and it havent been fixed yet.

And this error is obstructing my ability to obtain credit or having a credit on a good standing To have the initiation of buying a house on the near future.

1st. Account type default is not showing the exact account type on one of the credit bureau please I want that to be fixed 2nd. the open dates are not being accurate on these account please fix it so I can get a good standing on my credit.

3rd. The last reporting day on one of the account is not the correct I would like for you to fix it please.

Company response to consumer: Closed with non-monetary relief