vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dispute Regarding Inaccessibility of Credit Report and Pending Dispute with TransUnion Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against TransUnion regarding my inability to access my credit report online and initiate a new dispute. Despite multiple attempts, I have been blocked from viewing my report and told that I can not begin another dispute because of a pending dispute.

This situation has left me unable to verify the accuracy of the information being reported or to address errors in a timely manner. I believe this may be in violation of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that consumers have the right to access their credit information and dispute inaccuracies.

To resolve this issue, I have contacted TransUnion directly but have not received a satisfactory resolution. Therefore, I am seeking your assistance in ensuring that TransUnion complies with FCRA requirements, allowing me to access my credit report and address any inaccuracies promptly.

Please advise on the next steps I should take to rectify this situation and ensure my rights as a consumer are protected. 

Thank you for your attention to this matter. 

Sincerely, AB

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: MD

Complaint narrative:
These inquiries are not related to me, and I have no connections with the listed creditors. I urgently request their removal from my credit report. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: NY

Complaint narrative:
Please assist me in regards to some negative items that are showing on my report, i already provided the 3 documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: OH

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX. This Complaint has been directed to your complaints/fraud department ; therefore, we shall reasonably assume that it has been received by the correct party. The relevant officials must be made cognizant of the ordeal I have suffered as a result of internal failures and violations of law at your company. 
XXXX. Description of the Incident I was approached over the Internet and subsequently added to a XXXX XXXX  chat where investments, high yields, and success rates were frequently discussed. Eventually, the scammers introduced us to a platform named Publliic-PRO with the domain publiic.com.cn. We did not question the legitimacy of the platform due to the false evidence of regulations and success they provided. This led to persistent pushing, harassment, and coercion to make transfers in specific amounts and sequences. As a result, XXXX wire transfers were made over twenty days in XX/XX/year>, totaling XXXX USD. Throughout this process, the bank did not question the suspicious nature of these transactions, which further facilitated the scam. 
XXXX. Against this background, I hereby respectfully file this Complaint with your company, an internationally recognized and respected financial institution. The Complaint meticulously states several recognized and viable causes of action, inter alia, negligence, breach of implied contract, and other similar claims for which I seek damages, as well as attorneys fees and costs, to the fullest extent permitted by law.

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 2024-08-13 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: AL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 2024-08-13 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: AL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 2024-08-13 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: NC

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: NC

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Good day.. my name is XXXX XXXX XXXXwhen I check my credit account I saw that Experian is reporting that I have 7 late payment which is not true .Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : ( XXXX ), I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status.. thanks and God bless.XXXX if you see this it was around Covid time, when it was hard for me and my autistic son.. I use to clean people homes and walk there dog just to make ends meet but I have never been late on a payment.. pls pls kindly help me to remove this

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 2024-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
My Robinhood account was hacked into somehow. My stocks were sold and then the balance transferred to some card that the hackers added to my account during the transfer. I was notified of the transfer on my phone and did not recognize it as I had been holding the stock and crypto for years. I contacted Robinhood and changed all my passwords and email. They then notified me via email that the case is closed and I will not be reimbursed my {$1000.00} that was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: NE

Complaint narrative:
Unauthorized inquiries have been identified 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 2024-08-13 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: CA

Complaint narrative:
I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-08-13 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: MA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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 2024-08-13 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: MA

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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 2024-08-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I recently applied for Business Credit Card with Truist Bank and as the personal guarantor was denied however the letter says my score came from XXXX which said one thing however, I have XXXX Subscription in which I can see my XXXX XXXX and credit records Truist also claim I had Delinquent accounts I don't have Delinquent Accounts my account is in good standing also in the letter was no number for Reconsideration Department and Truist says proportion of balances to credit limits is too high on revolving accounts base on XXXX utilization score is 14 %

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 2024-08-13 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: MD

Complaint narrative:
I have repeatedly tried to resolve the issue of false, incorrect, and misleading data on my consumer report, but the problem persists. These inaccuracies have severely disrupted my life, causing considerable distress. I must emphasize that I never approved or agreed to have this information linked to my identity, as I have been a victim of identity theft.

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 2024-08-13 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

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

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: NC

Complaint narrative:
XXXX  XXXX Balance : {$45.00} This account does not contain any late payments. Update these...

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 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX  XXXX Balance : {$45.00} This account does not contain any late payments. Update these...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: DE

Complaint narrative:
My loan servicer is MOHELA. I was automatically enrolled in the XXXX program. Then I consolidated before the XXXX deadline of XX/XX/year>. After consolidation, my loans were put in the standard repayment plan, with no notice to me. Under the standard repayment plan, I am not eligible to receive cancelation benefits from XXXX. I resubmitted an application for the XXXX program and have not received any information about whether or not I can be put back on that plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: HYUNDAI CAPITAL AMERICA
State: MD

Complaint narrative:
The negative rating on my account is a source of great XXXX  for me. I'm extremely concerned about how it may affect my creditworthiness. This rating has already led to a rejected loan application and higher interest rates on my current credit accounts. I can not overstate the financial hardship and emotional strain this unfavorable rating has caused and will continue to cause until it's addressed.

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 2024-08-13 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: WI

Complaint narrative:
I filed a dispute over credit card charges made by XXXX 's XXXX XXXX XXXX in XXXX, Wisconsin, and XXXX XXXX XXXX was supposed to conduct an investigation and return the report to me to turn over to police in XXXX XXXX for a criminal complaint. 

When they dragged their feet, I filed a complaint with CFPB. CFPB then forced them to respond, in which they claim to still be investigating. That same day, I received a XXXX point drop in my credit score despite not missing any payments or ever being late, from Experian via email, and when I called them, they were unable to determine the origin. 

Today, I received a form letter detailing how XXXX is legally entitled to share my credit information to other credit cards. This clearly indicates that XXXX acted in a retaliatory manner and were the source of my XXXX point drop in credit ratingXXXX score. I will now be preparing a subpoena and suing them in federal court for retaliation. A company being investigated by CFPB for a legitimate complaint that turns around and attempts to inflict financial hardship by reporting to a credit card what the credit company already knows in an attempt to lower the XXXX score is ILLEGAL, and is XXXX XXXX evidence of retaliation. 

This is blatant misfeasance and an attempt to use otherwise legal reporting in a retaliatory manner in retaliation for me filing the initial complaint to CFPB.

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 2024-08-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I have had numerous difficulties resolving delays in processing my mortgage with Navy Federal. I received my Closing Disclosure on XX/XX/XXXX for a closing on XX/XX/XXXX with a cash to close amount of {$21000.00}. On XX/XX/XXXX, I wired {$21000.00} to the closing firm. 

On XX/XX/XXXX, the date of closing, I received a new Closing Disclosure with a cash to close amount of {$22000.00}. They refused to honor a {$220.00} lender 's closing credit for increases in closing costs above the legal limit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-13 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: MD

Complaint narrative:
I have repeatedly tried to resolve the issue of false, incorrect, and misleading data on my consumer report, but the problem persists. These inaccuracies have severely disrupted my life, causing considerable distress. I must emphasize that I never approved or agreed to have this information linked to my identity, as I have been a victim of identity theft.

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