vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I received another correspondence from your Transunion dated XX/XX/2023, indicating that the investigation of my disputes was complete. As of date, Transunion and their nonaffiliated 3rd parties are still WILLFULLY violating the Gramm Leach Bliley Act pursuant to 15 USC 6802 by sharing my nonpublic personal information WITHOUT my lawful consent! To be clear, I NEVER requested an investigation because I NEVER GAVE Transunion or their nonaffiliated 3rd parties any lawful consent to share my nonpublic personal information! Transunion responded alleging that the accounts in reference in my statement letter attached to this complaint were verified but Transunion did not provide me a copy of the investigative consumer report as defined by Congress pursuant to 15 USC 1681a ( e ). The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. The FACT that pursuant to 15 USC 1681s-2 ( a ) ( 7 ) ( E ) no provision under the Fair Credit Reporting Act requires a financial institution to furnish negative information CONFIRMS that Transunion DEFAME MY CHARACTER AND RUINING MY REPUTATION! Due to defaming my character and ruining my reputation, I am not even allowed to open a bank account due to the bank telling me that I am high risk due to over 16 soft inquiries on my credit report. Let it be known that not only are you violating the Fair Credit Reporting act but also violating the Gramm Leach Bliley Act for infringing on my privacy and sharing my nonpublic personal information without my consent! I have already provided my FTC report with the inquires that Transunion needs to remove. And yet Transunion is still infringing on my privacy and sharing my nonpublic personal information without my consent! I am under a lot of pain and suffering, lack of sleep and have high XXXX  due to stress that Transunion has put on me to the point that I have loss the enjoyment of life!

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 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a letter out on to XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, XXXX said they completed the investigation, and everything was 100 % accurate. 

According to 15 U.S. Code 1681a - Definitions ; rules of construction- ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to. How did they complete this investigation. 

On XX/XX/XXXX, I mailed a letter to the United States Bankruptcy Court, Middle District of Florida. Im confused because I received a letter from the United States Bankruptcy Court, and they specifically stated that they DO NOT report any information to consumer reporting agencies. Since its clear the Bankruptcy Court does not report to any credit reporting agency in this matter ; therefore, XXXX response to verifying the item with the court was either an ERROR or LIE. Either way, the reporting requirements do not comply with the FCRA 611. 15 U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, the information must be Deleted Immediately!!

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 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a letter out on to XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, XXXX said they completed the investigation, and everything was 100 % accurate. 

According to 15 U.S. Code 1681a - Definitions ; rules of construction- ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to. How did they complete this investigation. 

On XX/XX/XXXX, I mailed a letter to the United States Bankruptcy Court, Middle District of Florida. Im confused because I received a letter from the United States Bankruptcy Court, and they specifically stated that they DO NOT report any information to consumer reporting agencies. Since its clear the Bankruptcy Court does not report to any credit reporting agency in this matter ; therefore, XXXX response to verifying the item with the court was either an ERROR or LIE. Either way, the reporting requirements do not comply with the FCRA 611. 15 U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, the information must be Deleted Immediately!!

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 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
In XX/XX/2023 I opened a Credit card with Jet Blue Plus and indicated that I wanted a balance transfer to my XXXX account. The balance on the XXXX account at the time was {$1300.00}. I paid the balance on the XXXX card on XX/XX/XXXX, as Jet Blue was taking a while. Jet Blue transferred {$20000.00} to XXXX on XX/XX/XXXX. After many phone calls the {$20000.00} was credited back to my Jet Blue account on XXXX but they charged me a {$1000.00} transfer fee. They also reversed the fee. The fee then reappeared on my XX/XX/XXXX Jet Blue statement. 
I have spoken to customer service many times and have gotten agents that completely under and see the problem. On XX/XX/XXXX I spoke with a supervisor ( XXXX ) who agreed that I was a mistake. I had said that I would pay the 5 % balance fee on the {$1300.00}, which I believe is {$69.00}. She felt that this made sense, I am still waiting to hear from Jet Blue Master Card and to add injury they are charging me interest on the {$1000.00} balance. Otherwise I pay my account in full every month.

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 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/23 I paid in full an amount to XXXX XXXX XXXX XXXX XXXX {$180.00}. However TransUnion dinged me 2 points because they show the payment in full as an increase and not a final decrease. These companies need to be reigned in by someone for their misuse of the uncontrolled power we have given them.

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 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I opened an accelerate savings account with Citi Bank on XX/XX/2023 in response to an offer that I received via email. The account is a joint account with my husband and it was opened over the telephone with an account representative, the opening documents were signed electronically by both of us. Upon review of our first statement, I discovered that XXXX was taken out of our account for federal withholding tax, I called citi bank to see why this occured and I was told it was because they didn't have a W9 on file and that I would have to complete this and mail it in, they do not allow this form to be submitted via email or fax. I explained to them that I am not comfortable sending my name, address, and social security number through the mail. I spoke with 6 different individuals regarding this matter on XX/XX/XXXX & XXXX, XXXX. I called last night ( XX/XX/XXXX ) to see if I would be paid the {$150.00} bonus they were offering if I didn't submit the W9 and I was told that I would not receive the bonus without them having a form on file. I reside in Michigan where there aren't any Citi Bank locations for me to drop a form off at, I requested my account to be closed on XX/XX/XXXX and was informed it would be and to expect a check in XXXX days, which is another complaint that I have, I do not understand why the funds can't be electronically sent to the bank that I transferred them from. I understand I will now forego the bonus because I closed the account early, but I'm only closing it because of their W9 requirements. When we opened the account over the phone I assumed all necessary documentation would be signed electronically, I was never informed by the account representative that I would have to submit a W9 through the mail. I believe this is terrible business practice and I shouldn't have to jeopardize my personal information to be able to qualify for a bonus incentive offer.

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 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I was looking to purchase a vehicle on XX/XX/2023. I went to XXXX XXXX and they told that I had XXXX to decide if I wanted to keep the car. After driving the vehicle for a couple of weeks my family and decided that this vehicle wasnt for us.I returned the vehicle in a little of two and was told that since I wasnt happy with the vehicle I could complete the proper paperwork and none of this would appear on my credit. Its XX/XX/2023 and I get a notification that Santander account # XXXX has put this vehicle on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have reached out to the involved companies through the credit bureaus, and it has been XXXX days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information. 

I demand that this unverifiable information be removed from my credit report immediately. The XXXXday delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. 

Please let me know if you would like any further revisions or if you have additional concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have reached out to the involved companies through the credit bureaus, and it has been XXXX days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information. 

I demand that this unverifiable information be removed from my credit report immediately. The XXXX-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. 

Please let me know if you would like any further revisions or if you have additional concerns.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XX/XX/17 I made a payment to well fargo credit card. 8 days later on XX/XX/17 they charged my card off as 60 days past due. Their data in credit reporting shows I am 30 days past due in XX/XX/2017 and current in XXXX, charged off and 60 days past due in XXXX. There is no logical sense for this and trans union does not see the information is wrong and logically makes no sense, therefore does not delete it off 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 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, 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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use 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 explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R.M. Galicia, Inc.
State: IN

Complaint narrative:
Good Evening, After recently being contacted again by a debt collector, I was made aware that they were violating some of the consumer rights. With further research and consultation I have been made aware that this company is not licensed to collect in my state. In addition to that I have been violated by PMS collections not complying to code 15 U.S. code 1692d where it clearly states that a debt collector may not engage in any conduct of which is to harass or press any person. At this time there is no proof of the collection or verification that they could provide. They will not respond in a timely matter and I ask that this account may be removed from my consumer report and that it reflect the change immediately.

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 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, 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: SC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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