vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-17 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: MI

Complaint narrative:
I am a federally protected consumer and I am aware of my rights laid out by the FCRA in 15 USC 1681. Additionally, within the FCRA, pursuant to 15 USC 1681b-2, there is a strong point to be made that this information should not even be allowed to be posted on your consumer report that you keep under my name without my consent. Additionally, Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies on consumer files.

Please investigate the below accounts validity within my consumer report that you maintain under my name. 

XXXX XXXX XXXX. 

Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Standards established in the credit industry ensure integrity of data and uniform communication between ALL credit-reporting agencies.

I have attached the erroneous account ( s ) in question. This account needs to be updated to PAID AS AGREED IMMEDIATELY due to inaccurate information reported within my credit report. Failure to do so would constitute willful non-compliance by your agency to start.

The furnisher of this erroneous information is also obligated to notify you of their results within 30 days of their receipt of this letter.

Also, Pursuant to 15 USC 1681s-2, the furnisher MUST furnish 100 % accurate payment information to consumer reporting agencies at all times. 
Please update this erroneous inaccurate information on my credit report to PAID ON TIME NEVER LATE within 30 days of your receipt of this notice of dispute if this information can not be validated. 

Thank you for your rapid response to the very important matter

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
3 things showed up on my credit report. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Ive disputed all of them to be removed but they havent went away. These are 3 parties and they shouldnt have my information. I would like them removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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: MT

Complaint narrative:
I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.

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 2024-06-17 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: MT

Complaint narrative:
I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.

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 2024-06-17 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Collection Management. Inc
State: IN

Complaint narrative:
I just received notice about the attempt to collect a debt from a third-party company ( Consumer Collection Management , Inc. ) on behalf of my former apartment community. I never received notice from the community that any money was owed, and therefore dispute this collection attempt. I left my forwarding address with the former apartment community management upon moving out and have not gotten any communication regarding the supposed balance owed. Upon move-out, I was told the apartment was in excellent condition, no photos were taken, and no balance owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: DC

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED MY XXXXXXXX XXXX  ACCOUNT BEING REPORTED INACCURATELY. THERE IS NO DEFICIENCEY BALANCE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REFLECTING ANY REPOSESSION STATUS AT ALL. REPORTING THIS INACCURATE INFORMATION IS IN VIOLATION OF THE FCRA : I have the right to privacy and this information is being reported without my written consent which is in violation of 15 USC 1681B.

Furnishing information pertaining to my transactions is in violation of 15 USC 1681A ( I ) But most importantly, your company has the responsibility of reporting maximum accuracy to my credit profile and not doing so is in violation of 15 USC 1681E ( B ) I'VE CONTACTED EACH BUREAU VIA CERTIFIED MAIL REQUESTING VERIFICATION OF THIS INFORMATION, AND INDEED ITS UNVERFIABLE.

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 2024-06-17 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: DC

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED MY XXXXXXXX XXXX  ACCOUNT BEING REPORTED INACCURATELY. THERE IS NO DEFICIENCEY BALANCE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REFLECTING ANY REPOSESSION STATUS AT ALL. REPORTING THIS INACCURATE INFORMATION IS IN VIOLATION OF THE FCRA : I have the right to privacy and this information is being reported without my written consent which is in violation of 15 USC 1681B.

Furnishing information pertaining to my transactions is in violation of 15 USC 1681A ( I ) But most importantly, your company has the responsibility of reporting maximum accuracy to my credit profile and not doing so is in violation of 15 USC 1681E ( B ) I'VE CONTACTED EACH BUREAU VIA CERTIFIED MAIL REQUESTING VERIFICATION OF THIS INFORMATION, AND INDEED ITS UNVERFIABLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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: I.C. System, Inc.
State: TX

Complaint narrative:
There is a debt owed with a company I never had any business with, I sent a debt validation letter, still no response

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 2024-06-17 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: CL Holdings LLC
State: TX

Complaint narrative:
There is a debt owed with a company I never had any business with, I sent a debt validation letter, still no response

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My issue has been resolved but I am advocating for the greater good. 

I was charged a late fee on my credit card bill due to being on pacific time and the bill needing to be paid by east coast XXXX time. Since I am always on time they reversed the {$27.00} charge. 

However, I asked them whether they were aware that per a new ruling by you and the Biden Administration they are only allowed to charge an {$8.00} fee. The supervisor stated she was but that Chase had not given them direction about that. 
Now I am sure there are many that are not even aware of this. 

My plea to you is to nudge these credit card companies and make sure they are not charging people these fees. I can imagine that many do not even know about this. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX How will you enforce or communicate better that they are not allowed to charge these fees?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: RI

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Google Compare Credit Cards Inc.
State: MD

Complaint narrative:
On XX/XX/year>, Google decommissioned their GPay app and merged most of the functionality into the Wallet app. Any balance remaining in GPay can only be transferred out via their website. When I attempted to do this, I was told that transfers out are now limited to {$200.00} in a rolling 7-day period. This restriction did not previously exist. Their official response when I contacted them stated this " As of XX/XX/year>, the U.S. version of the Google Pay app will no longer be available for use. While we recognize that this change may be inconvenient for some users, please be assured that it does not impact the services provided by Google Wallet. '' This is a factually incorrect statement as one of the services provided by Google Wallet, i.e. balance transfer, is now restricted. I was not informed of this change in functionality prior to this point in time and I did not agree to any new usage agreement for these new terms. As it is, Google is functionally holding my money hostage for a minimum of the 5 weeks it will take to transfer the balance out. I was recently XXXX and need these funds to pay my XXXXl bills so waiting is not an option.

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 2024-06-17 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 am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: WA

Complaint narrative:
We have sent in loan modification request more than one time, they either can't find it, or they are too busy. The 10 day grace period has ended more than once, and this is not right. I have had to reapply multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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:
On XXXX, XXXX XXXX made fraudulent inquiry on my credit report using my name, but they used a fraudulent address and phone number. I did not apply for credit or a credit card with XXXX XXXX 
I was alerted to this inquiry and immediately contacted TransUnion to report it was fraudulent. TransUnion helped me by freezing my report and placing a fraud alert. 
I have requested this fraudulent inquiry be removed from my credit report but must first provide TransUnion with information/letter that I have filed a report to the FTC in order to have it removed. 
I tried unsuccessfully to reach the fraud department or anyone that would help at XXXX XXXX. I have made numerous calls trying to report this and they refuse to transfer me to the fraud department or any department that can help.

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 2024-06-17 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-06-17 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: MO

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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: WV

Complaint narrative:
I am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-06-17 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: MI

Complaint narrative:
I am a federally protected consumer and I am aware of my rights laid out by the FCRA in 15 USC 1681. Additionally, within the FCRA, pursuant to 15 USC 1681b-2, there is a strong point to be made that this information should not even be allowed to be posted on your consumer report that you keep under my name without my consent. Additionally, Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies on consumer files.

Please investigate the below accounts validity within my consumer report that you maintain under my name. 

XXXX XXXX  XXXX. 

Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Standards established in the credit industry ensure integrity of data and uniform communication between ALL credit-reporting agencies.

I have attached the erroneous account ( s ) in question. This account needs to be updated to PAID AS AGREED IMMEDIATELY due to inaccurate information reported within my credit report. Failure to do so would constitute willful non-compliance by your agency to start. 
The furnisher of this erroneous information is also obligated to notify you of their results within 30 days of their receipt of this letter. 
Also, Pursuant to 15 USC 1681s-2, the furnisher MUST furnish 100 % accurate payment information to consumer reporting agencies at all times. 
Please update this erroneous inaccurate information on my credit report to PAID ON TIME NEVER LATE within 30 days of your receipt of this notice of dispute if this information can not be validated. 

Thank you for your rapid response to the very important matter

Company response to consumer: Closed with non-monetary relief