vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-04 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: TX

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, Account name : XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if it states Unknown payment history. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2024-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account 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 2024-01-04 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-01-04 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: IL

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2024-01-04 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: IL

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: CO

Complaint narrative:
Global Radius Solution called me and REFUSED to say why they were calling. They only wanted to 'verify ' information. They refused to tell me why they called. They are harrasing people and maybe stealing people 's identity, or doing something shady. They REFUSED to tell me the nature of their call. They only wanted me to give them personal information and didn't tell me why they needed it.

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 2024-01-04 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: NJ

Complaint narrative:
XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX ) Delete this account immediately because of violation of 15 USC 16815-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i & ( i ), and 15 USC 1681e ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Delete this account immediately because of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) | ( 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 Delete this account immediately because of 15 USC 1681s- 2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) Delete this account immediately because of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e (

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 2024-01-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: GA

Complaint narrative:
I would like to file an FTC report on a collection from Pro Collect. I do not know who these people are or how my information was obtained. I never gave this company my personal information. I would like to know how this information was used and how it was handled being that it has effected my credit report. I have contacted my credit officer and the company the debt was coming from, yet no information has yet to be given within several months of contact. A dispute is already in progress through my credit bureaus.

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 2024-01-04 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: GA

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-04 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: TX

Complaint narrative:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, TX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I opened a one year {$250000.00} CD in Citibank by transferring funds from an external account into account # XXXX on XX/XX/XXXX. The CD maturity date was XX/XX/XXXX. I chatted with Citibank agent XXXX on XX/XX/XXXX ( XXXX ), and was told that Citibank can not transfer the money to my external account at maturity due to its bank policy, instead, Citibank would send me a check to my address. But more than one month after this CD maturity date, I still havent received the money from Citibank 40 days after the CD maturity. I called Citibank at least 7 times regarding this issue and sent two emails to XXXX ( Citibank 's Executive Response Unit. ). All agents and supervisors told me different stories, but have never solved this problem. Since I needed to use this money right after the CD maturity, this delay has caused me tremendous stress, anxiety and financial plan changes The case number in Citibank is XXXX. The CD account number is XXXX. My chat with Citibank agent on XX/XX/XXXX is XXXX. I firmly ask Citibank to investigate and resolve this issue immediately and to compensate me for the time and interest I have lost due to Citibank 's negligence and delay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-04 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-01-04 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: AL

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-04 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: MD

Complaint narrative:
I entered into a 2 year contract with XXXX circa XX/XX/XXXX for XXXX XXXX phones not service. Those phones were paid off at the end of the contract term on XX/XX/XXXX after which time I paid a monthly fee on a month-to-month basis for service. This payment was paid before service was rendered thus when the end of the month ended the service ended ; our relationship ceases. Months later I began receiving mail that I owe {$690.00}. This is not true, I do not owe this debt. Additionally, XXXX5 U. S. Code 1681s-2 ( A ) ( 1 ) A 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 explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I have no knowledge of these hard inquiries that are currently descending my credit score and I am sure that these inquiries are from identity theft and requesting that they be removed ASAP, I will also be attaching the identify theft report, Licenses and social, and thank you for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: NY

Complaint narrative:
In accordance with the Fair Credit Report act. 

ACCOUNT XXXX XXXXXXXX XXXX XXXX  has violated my rights XXXX XXXX XXXXXXXX XXXX  XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights. 

The next account request removed pay late. 

XXXX XXXX XXXX XXXX XXXX has violated my rights y request removed pay late in XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rigths y request removed pay late in XXXX- XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rigths y request removed pay late in XXXX- XXXX XXXX XXXX XXXX XXXXXXXX has violated my rigths y request removed pay late in XXXX- XXXX. 

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 r
eporting agency can not furnish a account without my written instructions

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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, i provided all the letters i received from all creditors and provided to all three credit bureaus and as of XX/XX/XXXX, the accounts are not reporting accurate, and the others are not removed per the creditors requestXXXX XXXX is current and never paid late and the credit reporting agency is reporting several late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: IL

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2024-01-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I responded to an email by XXXX, called the number and spoke to a person named XXXX at XXXX. He immediately got onto my computer wanting to refund me even though the XXXX  were not mine. At that time, he also told me that I owed XXXX XXXXXXXX XXXX  and that I needed to send this money immediately. He showed me the XXXX in my account and proceeded to wire the XXXX to a XXXX XXXX. I was also told I was not permitted to go onto my Chase account, call Chase and to keep my computer on at all times. The next day, XXXX contacts me by phone and email saying that I have committed a financial violation and was receiving a penalty in the amount of XXXX.He told me that he and his legal team met the previous evening would send me the amount of XXXX but i had to wire the XXXX to XXXX. He was able to show me the XXXX in my account. Since it was such a large amount, i needed to go to the nearest Chase to do so. I was threatened by XXXX  to myself and family if this was not done immediately. I was terrified and complied with his demand. I continued to receive constant calls from XXXX as to the status of the money along with continuous threats. Within the next XXXX XXXX XXXX, I needed to make a payment to my chase XXXX. I disobeyed XXXXXXXX XXXX demands and went onto my Chase account. That was when I found out the XXXX XXXX were taken from my HELOC account. I then called Chase to tell them what happened and contacted the local police dept. The following morning I went to Chase for them to cancel the wires. I also filed reports with IC3, FTC, NYS Attorney General. Dealing with Chase is impossible, they will not let me know what steps they have taken to try to get this money back. have proof of all emails, screen shots and reports that were filed. I am an honest person who is XXXX XXXX XXXX and has a very good credit score and would never file reports that were not true since this is a felony to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I originally had a $ XXXX loan for my XXXX program. This was back in XXXX, and entered repayment in XXXX. I have paid this loan XXXX over and the balance today is over $ XXXX. This is due to fees and a variable interest rate. When I called to try to pay off the balance but at a smaller amount, I was told that Id have to go in default and ruin my credit first. The maturity date of my loan is now in XXXX, which would mean id spend 40 years paying this loan XXXX times over. This is the definition of predatory lending. If this is not addressed, I will be taking this to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: NJ

Complaint narrative:
I have disputed with this creditor XXXX  department store XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I request bank transactions and proof that I was late with this creditor. The creditor never sent proof that I was late. The creditor has took over 30 days to update my account and pertorm an investigation. 
The creditor has illegally reaged my date late active from XX/XX/XXXX to XX/XX/XXXX XXXX missing date last active and XXXX and experian failed to do an update and do a proper investigation.the credit account XX/XX/XXXX even disputes XX/XX/XXXX, XXXX received a update of the creditor with a late payment.

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