vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Three accounts were charged off but they still appear on my credit report in a negative status. The companies did not issue a 1099C although they have already charged off the amounts an of course take a loss on their financial statements for these items. I have requested removal of these negative information from my credit reports and/or the issuance of 1099C without success.

I have also refuted some of these balances as most times the original lender sold the account to a collection agency for pennies on the dollars. This then result in a collection agency hounding us like a bulldog to collect moneys that have already been written off.

All these issues paint a negative picture on the credit reporting agencies which effectively effect creditability and affect my ability to get credit at a lower interest rate or no credit at all

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 2024-12-21 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: CT

Complaint narrative:
Three accounts were charged off but they still appear on my credit report in a negative status. The companies did not issue a 1099C although they have already charged off the amounts an of course take a loss on their financial statements for these items. I have requested removal of these negative information from my credit reports and/or the issuance of 1099C without success.

I have also refuted some of these balances as most times the original lender sold the account to a collection agency for pennies on the dollars. This then result in a collection agency hounding us like a bulldog to collect moneys that have already been written off. 

All these issues paint a negative picture on the credit reporting agencies which effectively effect creditability and affect my ability to get credit at a lower interest rate or no credit at all

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 2024-12-21 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: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Law Office of Michael J. Scott, PC
State: VA

Complaint narrative:
This statement is being sent to you in response to a bank garnishment notice sent by a company XXXX XXXX XXXX XXXX XXXX XXXX from a judgement that I have no knowledge. They claimed I received judgement from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX for {$6000.00}. My XXXX XXXX bank accounts are now frozen because of this, and a hearing date is scheduled for XX/XX/XXXX to contest the garnishment. I think this is the company who keeps calling and claiming they are a XXXX XXXX. I have asked them to stop calling me and to send correspondence. I really believe they are ones who keep calling me from different numbers. I have also disputed this on all my credit reports which are still open because they haven't responded. 

First, I do not know of this company ( XXXX XXXX XXXX ) do not owe them any money and I have never been served with any notice advising me I had a court date and possible judgement. I contacted the company on the phone and was told by the person they are a XXXX XXXX, and the service was done on XX/XX/XXXX, around XXXX. I live in a secure property and building which requires a key fob to enter and visitors MUST sign in with the leasing office. The leasing office opens at XXXX M-F and I was told no one signed in to visit my unit on that date. Since the office was not open, I was told if any visitor entered any of our secure buildings or property without permission and code from leasing office would be considered trespassing and the person would have had to illegally follow someone who had a key fob which would be considered breaking the law. There are posting all over the property advising visitors to sign in with the leasing office. 

Second, I was laid off from my XXXX in XXXX and currently unemployed and on employment insurance. I am also currently enrolled in school on a grant to finish my degree. 

The company who sent the garnishment letter is below .... 

XXXX XXXX XXXX. XXXX. 
XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I can provide you with my name, address, email and cell if needed. 

Thanks in advance for your assistance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 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 2024-12-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I have auto and renters insurance with USAA and on XX/XX/year> I was prompt to select my USAA dividends choice for the 2024 disbursement. My choice was a deposit to my XXXX XXXX XXXX XXXX. 
On XX/XX/year> the amount of {$77.00} for the USAA dividend disbursement was posted as a credit to my auto insurance balance. 
On XX/XX/year> I requested through a XXXX  complaint that USAA  review my dividend choices and provide me with an explanation on how a credit to my auto insurance balance was determined, rather then a deposit to my XXXX  checking account as I originally selected on XX/XX/year>. 
By XX/XX/year> I had not yet received any correspondences or phone calls from USAA in regards to that request, so I contacted USAA through their XXXX number to get an update on the status of my request and was advised that my case was being handled by a representative named XXXX. 
I was then connected to XXXX XXXX and when I asked for explanation on how the dividends credit was redirected and posted to my auto insurance balance, I requested that USAA guidelines be provided to me in writing, so she sent me an email with inaccurate information where it states that my XXXX  checking account was inactive or closed, however, my XXXX checking account is open and active. 
As we switched concerns to my auto insurance billing and payments, at XXXXne point of our conversation I no longer felt comfortable with her tone, so I advised her that I was going to end our conversation then and disconnected my call. 
A few minutes after I ended our conversation, XXXX XXXX proceeded to call me again, so I advised her a second time that I did not want to continue discussing my case with her. 
I immediately contacted USAA and spoke to another representative named XXXX. 
I explained to him the situation and requested that XXXX XXXX do not further contact me. I also put a request with him that another representative be assigned to take over my case, as still have questions and concerns about my insurance billing and dividends explanation. 
On XX/XX/year> I received XXXX USAA emails from XXXX XXXX. 
I am confident that XXXX XXXX is an excellent professional, but since I did not feel comfortable discussing my account and billing with her, and I still have questions and concerns to be clarified, I request that she be removed from my case and my concerns be re-assigned and directed to a different USAA representative to further discuss my account history and payment information. 
Screenshots are attached for further review.

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 2024-12-21 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute inaccurate information that has been re-reported by XXXX. XXXX, XXXX, located at XXXX XXXX XXXX, XXXX XXXX, MN XXXX, on my credit report. The details of this dispute are outlined below : Background Information : Previous Deletion : In 2023, the information provided by XXXX. XXXX, XXXX was deleted from my credit report after being found inaccurate. 

Re-reporting Without Notice : Despite the previous deletion, XXXX. XXXX, XXXX has re-reported this inaccurate information on my credit report without sending me the required 15-day notice, as mandated by the Fair Credit Reporting Act ( FCRA ). This is a clear violation of my rights.

Violation of Privacy and Lack of Consent : As a consumer, I have the right to privacy, and I did not give XXXX. XXXX, XXXX permission to obtain or report any information related to my credit or personal data. Under XXXX XXXX. XXXX, no third party, including XXXX. XXXX, XXXX, may access my credit report or report information to the credit bureaus without my express written consent.

The re-reporting of this information without my consent is not only a violation of my privacy rights, but it may also be considered identity theft under applicable consumer protection laws. 

Thank you for your attention to this matter. I look forward to your timely response and resolution of this dispute.

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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute inaccurate information that has been re-reported by XXXX. XXXX, XXXX, located at XXXX XXXX XXXX, XXXX XXXX, MN XXXX, on my credit report. The details of this dispute are outlined below : Background Information : Previous Deletion : In 2023, the information provided by XXXX. XXXX, XXXX was deleted from my credit report after being found inaccurate. 

Re-reporting Without Notice : Despite the previous deletion, XXXX. XXXX, XXXX has re-reported this inaccurate information on my credit report without sending me the required 15-day notice, as mandated by the Fair Credit Reporting Act ( FCRA ). This is a clear violation of my rights. 

Violation of Privacy and Lack of Consent : As a consumer, I have the right to privacy, and I did not give XXXX. XXXX, XXXX permission to obtain or report any information related to my credit or personal data. Under 15 U.S.C. 1681b, no third party, including XXXX. XXXX, XXXX, may access my credit report or report information to the credit bureaus without my express written consent.

The re-reporting of this information without my consent is not only a violation of my privacy rights, but it may also be considered identity theft under applicable consumer protection laws.

Thank you for your attention to this matter. I look forward to your timely response and resolution of this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: WA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX account # XXXX, has violated my rights.15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor
may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00}

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 2024-12-21 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: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
Toyota Financial Charged off an account when they shouldnt have. This impacted my credit score and had dropped my score, my credit score was XXXX, and now is XXXX which is significantly lower. I need my credit score to be where it was at before this error occurred.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Formal Complaint Regarding {$400.00} XXXX  Checking Account Bonus Dear Truist Bank, I am writing to formally file a complaint regarding a promotional bonus of {$400.00} associated with the opening of a XXXX XXXX Checking account. Despite fulfilling all requirements stipulated by the promotion, I have not received the bonus, and your refusal to honor the offer is unacceptable. 

The details of the issue are as follows : - I opened a XXXX XXXX  Checking account over the phone with your representative, XXXX XXXX on XX/XX/year> - During the account-opening process, I provided the promotional code XXXX, and XXXX confirmed that the XXXX had been successfully applied to my account. Additionally, he assured me that my account was eligible for the promotion at the time of applying the code. 
- According to the promotions terms, I was required to make qualifying deposits totaling {$2000.00} into the new checking account within 30 days of account opening to be eligible for the {$400.00} bonus. 
- I successfully fulfilled this requirement by depositing the required amount within the specified timeframe. 

Despite meeting all the terms and confirming the promotions eligibility at the time of account opening, Truist Bank has refused to pay out the {$400.00} bonus. This refusal is both unjustified and a breach of your promotional terms and conditions. 

The only resolution I seek is straightforward : I request that Truist Bank honor its promotional commitment and deposit the {$400.00} bonus into my account promptly. 

Failure to resolve this matter promptly will leave me with no choice but to escalate my complaint to the appropriate regulatory authorities and explore further options to address this issue. 

I trust Truist Bank values its customers and operates with integrity. I expect your prompt attention to this matter and look forward to a resolution within [ reasonable timeframe, e.g., XXXX business days ].

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 2024-12-21 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: MI

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2024-12-21 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: WA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX account XXXX XXXX, has violated my rights.15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief