vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2024-04-09 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: LA

Complaint narrative:
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : However, they stated evervthin " " `g was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 instructons 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 tan 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 modity accounts tat isnt reporting correcuy.

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 ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case Account : 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 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 2024-04-09 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:
In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency. In accordance with the Metro 2 reporting standard, I am writing to formally inform you of the need for ensuring that any claims are reported in a factual and accurate manner. I'd like to request that you provide me with tangible, verifiable evidence demonstrating the existence of this account and its legality. If I am not provided with this evidence, I shall insist that the account be removed from my credit file. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX {$840.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$1100.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$930.00} XXXX XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX  XXXX {$56.00} XXXX XXXX XXXX XXXX {$2600.00} 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 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 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: CA

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-04-09 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: FEDChex Recovery, LLC
State: TX

Complaint narrative:
A company by " FCR collection services '' is using improper practices claiming to have a debt in my name. An individual keeps calling threating to have me put in jail over a debt they cant confirm. I feel like I am being harassed with lies and false claims causing mental and psychological distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: GA

Complaint narrative:
Under FCRA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-I didnt authorize these companies to submit these inquiries.im disputing these inquiries and want them removed from my credit report.Please have these unapproved inquiries removed from my credit report with in 30 days as it is harming my ability to obtain new credit, job ventures ect.I would like a copy of my credit report once this matter is resolved.Credit companies treat inquiries like they are statement of facts and will not let consuers to dispute them.Since it is against federal law ( fair credit reporting act 15USC S 1681 n ( A ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissable purpose. I am writing toinquire as to thee alleged purpose to do so sice i did not apply or request credit from this or thier organization.Based on evidence those inquiries were obtained under false pretenses and kowing without permissable purpose, actual damages substained {$1000.00} which ever is greater.

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 2024-04-09 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: GA

Complaint narrative:
Under FCRA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX-I didnt authorize these companies to submit these inquiries.im disputing these inquiries and want them removed from my credit report.Please have these unapproved inquiries removed from my credit report with in 30 days as it is harming my ability to obtain new credit, job ventures ect.I would like a copy of my credit report once this matter is resolved.Credit companies treat inquiries like they are statement of facts and will not let consuers to dispute them.Since it is against federal law ( fair credit reporting act 15USC S 1681 n ( A ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissable purpose. I am writing toinquire as to thee alleged purpose to do so sice i did not apply or request credit from this or thier organization.Based on evidence those inquiries were obtained under false pretenses and kowing without permissable purpose, actual damages substained {$1000.00} which ever is greater.

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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
Upon viewing my most recent consumer report, I saw XXXX  that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These XXXX claims that it shouldn't be on my credit report and that you released my personal information without my consent. This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: GA

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I Recently Received A Copy Of My Credit Report & Notied They Where Fraudulent Activity.

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 2024-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: OH

Complaint narrative:
Wouldn't send me a debt validation. For over 8 months

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
Our loan was assumed by Freedom Mortgage and our first payment was XX/XX/XXXX. We made the payments as usual and then we started receiving letters from them, stating that we never made the XXXX payment. We checked with our bank and the bank said yes that we made the payment and gave us a reference number. 

I called freedom mortgage and told them what our bank had said. They requested that we send them that statement to their webpage. Every time I tried to log into their website it would come up on my screen with error code 403 forbidden. On this phone call the customer service agent told me that my XXXX and XXXX payments were rejected. I checked back with my bank and the funds that I used to pay my mortgage were never returned. To this day I still havent received any money from them, for the rejected payments. 

Its XX/XX/XXXX, and I made another call to Freedom Mortgage. The agent told me that because I cant log into their website, I would need to mail it to them. I have a problem with this because, I have to pay for sending the information from my bank. Sending it by mail, I would have to pay signature verification and priority mail. Its not my problem that they cant verify the payment. I asked them to send me an envelope so that I could send it to them and she said no, we dont do that. At the end of the call, she made a reference about the conversation we had and said that I refused to send them the information they requested. Absolutely false.

One other issue is, they said they were going to report me to the credit agency for nonpayment.

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 2024-04-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have identified unauthorized inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: TX

Complaint narrative:
I have identified unauthorized inquiries 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 2024-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: AZ

Complaint narrative:
I am in the process of buying a home. I have spent approximately XXXX plus hours since XX/XX/XXXX to date on waiting times, speaking to representatives, and supervisors. I have requested they place me on the PAYE IDR Plan so I may begin to pay my student loans. I have been calling to get this matter resolved 3-4 times a week ( more than 1 call a day ) spending several hours each time. I have submitted all my income documentation per their request, I have given them all the information they need. I continue to get the runaround and many times the representatives mention they're in training. Each and every individual I speak with gives me different information each time. I've been told by multiple supervisors that my file is being escalated and it will be resolved within 5-7 business days. This has been false information after false information. I can not begin to explain the amount of notes that have been placed in my file, the countless hours spent, just to repay my loans. I have received a cost estimate already for the PAYE IDR Plan and all my documents have been received by Mohela. There is a great need for training. My situation is not getting fixed and I continue to get different information every time I call. I have explained that I can not close on my home until they update my IDR Plan, I have explained they are accessing a $ XXXX diem fee every day I don't close since I was supposed to close on XX/XX/XXXX. I have been relentless in trying to get them to put me on this plan. I am literally asking to pay my loans! To be placed on the plan I've asked over and over again. I don't know how much more I can take of this. At this point I am calling daily and nothing changes and I am sent to a voicemail box, because that's the only way to get a call back from a supervisor. This has been the worst experience in my life. A complete nightmare! Please help me. This servicer should be investigated for their lack of work ethic and lack of experience, especially when dealing with student loans. I need to be placed on the PAYE IDR Plan immediately and begin repayment so I may close on my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a call from what I thought was Bank of America at XXXX XXXX  on XX/XX/2024 and the impersonator said that I had fraudulent charges made in Florida. They said that I would need to deactivate my current card and to transfer cash to a new card. They asked to transfer the money to XXXX XXXX and then had me manually enter card numbers for what turned out to be a XXXX XXXX XXXX. At this point, I actually asked the impersonator how to know it wasn't a scam and they referrred me to the back of my Bank of America debit card to confirm the customer service number, XXXX XXXX XXXX which was the exact number I was calling from. They acted very professionally, very similar to interactions I have had with Bank of America representatives in the past. They then asked me to delete both my Bank of America card and XXXX XXXX XXXX from XXXX XXXX and then terminated the phone call, at which point I realized that I had been scammed out of the entire contents of my checking account, {$1800.00}. I filed a police report with the XXXX XXXX Police Department within 2 hours after the incident and called Bank of America to inform them of the scam. At this point, XX/XX/2024, Bank of America and XXXX XXXX are refusing to reimburse my funds because they " do not believe the transaction to be fraudulent. ''

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 2024-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-04-09 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: TX

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-04-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
Vanilla Gift card was gifted to us on XXXX XX/XX/XXXX and purchsed on XXXX XXXX as well. When we tried to use the gift card of value XXXX $ in XX/XX/XXXX it said that balance is XXXX on vanilla gift card website, tried calling them no answer. Then create dispute case since this money was ours but scammesters used it. Vanilla gift card has poor securty hence its responsibility of company refund value XXXX XXXX I am new mother and this has been hassle, this money would have been really helpful for us. 

Requets to kindly help look into this matter. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation