vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-28 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:
Inquiries 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- The accounts below have violated my rights. 
15 U, S.C 1681 section 602A. States ( have the right to privacy.

15 U.S.C 1881 Section 604 A Section 2 : It also states a consumer reporting agency, can not furnish, a account without my written instructions. 
P15 U.S. 1681g. ( 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 ) ( a ) 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.

Delete the accounts below : XXXX 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 2024-01-28 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: CA

Complaint narrative:
I HAVE FILED NUMEROUS COMPLAINTS ABOUT THIS SAME ISSUE IN THE LAST THREE YEARS!!! I NEED THIS RESOLVED ASAP! Transunion continues to report this XXXX ADVERSE ACCOUNT as open and as a closed within the last 30 days They keep re-reporting it so every month my credit score drops 30-50 points!!! I can't keep living like this!!!! SOMETHING HELP ME OR WE WILL BE DRIVE TO XXXX!!!! XXXX CLOSED THIS ACCOUNT IN XX/XX/year> AND with the help of Transunion XXXX is HOLDING ME HOSTAGE BY CONTINUING TO REPORT THIS DEBT AS NEW AND THEN CLOSED WITHIN THE LAST 30 DAYS PLEASE STOP THEM FROM DOING THIS AS WE ARE BEING DRIVEN TO EXTREME POVERTY. MY SON HAS XXXX PLEASE HAVE MERCY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

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 2024-01-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I do not recognize these credit inquiries, and I've asked them to be removed, but the bureaus did not do anything. Please remove the credit inquiries because they are inaccurate and not mine. Thank you. 
These were not authorized. 
XXXX XXXX XXXX - Dated : XX/XX/XXXXXXXX XXXX XXXX - Dated : XX/XX/XXXXXXXX XXXX - Dated : XX/XX/XXXXXXXX XXXX XXXX XXXX via XXXX XXXX  - Dated : XX/XX/XXXXXXXX XXXX XXXX XXXX  via XXXX Dated XX/XX/XXXXXXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX Dated : XX/XX/XXXXXXXX XXXX CREDIT BUREAU XXXX XXXX Dated : XX/XX/XXXX, XX/XX/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 2024-01-28 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: PA

Complaint narrative:
I would like the credit report to removed all my 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
Consumer complaint received 2024-01-28 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: PA

Complaint narrative:
I would like the credit report to removed all my 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
Consumer complaint received 2024-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/23 I opened a claim with Truist against XXXX XXXX XXXX for unlawful repossession of my vehicle in the amount of {$6000.00}. After thoroughly explained and submitted proper documentations to Truist regarding the act committed by XXXX XXXX XXXX was surely unlawful, Truist refuses to take action and therefore continued to deny the claim and offered no resolution or assistance. After all, I did not received the service as intended from XXXX XXXX XXXX, since my vehicle was unlawfully taken away outside of a delinquent payment. Therefore, by Florida laws, and statues and I'm eligible to dispute the transactions as service not rendered.

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 2024-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
I was sold a ticket for an event that advertised goods and services at specific locations. On the day of the event, I went to the check in locations and they were closed. I went to the other location advertised on the ticket sale, and the staff there told me the event did not exist. I also collected an email from that business that verified the seller had asked them to partner and hold and event, but that the business turned them down. The seller sold tickets with this company listed as a cohost when the event was never approved. 
I reported this to my credit card company, Barclays, on XX/XX/XXXX. I sent Barclays a copy of the ticket page that had this vendor special on the ticket sale, a copy of the businesses email stating they never agreed to hold the event, pictures of the closed locations I could not access, and several other customer complaints that their tickets weren't honored and that businesses said they did not have an event. Despite the fact I did not receive the services I paid for, Barclays says the scammer sold non-refundable tickets. They said that even though the businesses were closed and/or verified they did not agree to hold an event- that I have no recourse because the ticket was nonrefundable. In addition, the Barclays employees have lied to me on several occasion by telling me my case was open... when it was not. I spoke with Barclays dispute team on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ; each time I was told by a Barclays representative that they could see this evidence, that it was " strong evidence, '' that my case had been reopened, and that the delay in a resolution was due to the fact that the Dispute team was busy. When I called on XX/XX/XXXX I was told the case had never been reopened, but that all the documentation was still available. I was not provided a sufficient response as to why I was misinformed for the past several months. When I asked for information about submitting a complaint to investigate the Barclays employees, they told me Barclays does not have a legal department or HR department. When I asked for proof my complaint was filed, they told me they were not allowed to send it to me. Barclays is not using reasonable time or judgement to address my dispute, and they are withholding information from me that I've requested.

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 2024-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I have diligently worked towards rectifying all inaccuracies on my credit report and greatly appreciate the assistance I've received thus far. Regrettably, I've encountered challenges with the remaining accounts despite disputing them both over the phone and through mail. Since XX/XX/2023, I've been in constant communication with these credit agencies but have been unable to resolve the issues that are hindering my progress beyond a life overshadowed by poverty. Their lack of attention to my files has not only complicated my life by incorporating detrimental information but has also led to choices that have gradually pushed me towards a precarious financial situation, nearing homelessness. 

Despite achieving academic and social success, securing a government job, I find myself unable to advance any further. As XXXX of XXXX siblings, seeking financial support from my family is not an option. Consequently, I've heavily relied on the credit system to forge a path in the American economy. Unfortunately, the inaccurate and adverse remarks from credit companies have not only made daily life exceptionally challenging but have also brought me perilously close to poverty 's edge as I strive for a better future. Juggling full-time college studies with a full-time job has added the role of a full-time credit manager to my life. With your assistance, I aim to have these unfavorable remarks expunged, enabling me to move forward and realize my aspirations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: WA

Complaint narrative:
I have received a few texts from someone impersonating Spring Oaks LLC, allegedly a real debt collection agency, about how to set up a payment plan for 2 payments of {$130.00}. The most recent text I received was XX/XX/2024 from a ( XXXX ) XXXX, and I received two text messages from the same number on XX/XX/2024 and XX/XX/2024 ( which I replied to in an effort to get information from them ). I have ZERO debt on my credit report, and the only debt I have in general is student loans which are being paid. 
Included in the text message is a customer service number which does NOT match the one provided on Spring Oak 's website, and a link ( XXXX ). I followed the link to compare it to the real Spring Oak 's identity verification form, and the fake one requires either a DOB or SSN ( conveniently the DOB field doesn't work, and I wasn't about to provide my SSN ), while the real identity verification form on Spring Oak 's website can also accept a reference number. 
In an attempt to get information about this alleged debt, they refused to give me any information about the creditor without me first providing, over text, my SSN. They also refused to give me a reference number for the debt, or a name of whoever they were looking for. 
I figure if they can give me a monthly debt amount that I allegedly owe, they can also, in the same breath, provide any information at all about the creditor, the debtor they're trying to find, etc. But they refuse without knowing my SSN. Which is funny, because I've had debt collector calls for other people and they provide the name of the person they're looking for and the name of the creditor that they owe. It's how I found out my moms friend owed a XXXX ton of money to a car dealership. Guess what? They left me alone after finding out I wasn't who they were looking for and didn't communicate in any way with their person of interest. And these guys are allergic to providing information without getting my SSN first? goofy. 
So, here we are. 

( PS in reference to one of my attached screenshots, my favorite line is " I assure you we are a legitimate business '' like oh ok buddy I can take that to the bank LOL )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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: CA

Complaint narrative:
I do not recognize these credit inquiries, and I've asked them to be removed, but the bureaus did not do anything. Please remove the credit inquiries because they are inaccurate and not mine. Thank you. 
These were not authorized. 
XXXX XXXX XXXX - Dated : XXXX XXXX XXXX - Dated : XXXX XXXX - Dated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX via XXXX XXXX - Dated : XXXX XXXX XXXX XXXX via XXXX Dated XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX Dated : XXXX XXXX CREDIT BUREAU XXXX XXXX Dated : XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 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: CA

Complaint narrative:
I do not recognize these credit inquiries, and I've asked them to be removed, but the bureaus did not do anything. Please remove the credit inquiries because they are inaccurate and not mine. Thank you. 
These were not authorized. 
XXXX XXXX XXXX - Dated : XXXX XXXX XXXX - Dated : XXXX XXXX - Dated : XXXX XXXX XXXX XXXX via XXXX XXXX - Dated : XXXX XXXX XXXX XXXX via XXXX Dated XXXX XXXX XXXX XXXX via Equifax XXXX XXXX XXXX Dated : XXXX XXXX CREDIT BUREAU XXXX XXXX Dated : XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company
State: IN

Complaint narrative:
I started loss mitigation packet in XXXX, they let is set for 90 days then said they didnt receive it. After getting more papers they asked for. Then I did it again to do loss mitigation and then assume loan like stated in our divorce degree XXXX yrs ago. They are still asking for papers due XX/XX/XXXX even tho there is sale date for XX/XX/XXXX. I need help stop sale date. After that I want to sure them for ruining my life for XXXX years straight now and for messing up my escrow and I would like to make sure they didnt scam the inhaf fund I got last year with all thier fees and charges. I am a veteran and I work for the XXXX XXXX I should not have to deal with this nor should any other American!!

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 2024-01-28 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:
In accordance with the Fair Credit Reporting Act. The list I will be providing of accounts reporting on my consumer report with your bureau, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Fair Credit Reporting Act 15 USC 1681 Section 602A, Subsection 4 : States, I have the right to privacy.

There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy.

Fair Credit Reporting Act 15 USC 1681 Section 604A, Subsection 2 : States, written permission is needed and required. In accordance with the written instructions of the consumer to whom it relates. 
This violation has taken place with the improper use of my report. Per 15 USC 1681S Section 2 ( A ) ( 1 ) Subsections : States, a person shall not furnish any information relating to a consumer to any consumer reporting agency.

No, privacy has been established. No, written permission was established nor given. Violation of my federally protected consumer rights to privacy and confidentiality has taken place with the accounts listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX 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 2024-01-28 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list I will be providing of accounts reporting on my consumer report with your bureau, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Fair Credit Reporting Act 15 USC 1681 Section 602A, Subsection 4 : States, I have the right to privacy.

There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy.

Fair Credit Reporting Act 15 USC 1681 Section 604A, Subsection 2 : States, written permission is needed and required. In accordance with the written instructions of the consumer to whom it relates.

This violation has taken place with the improper use of my report. Per 15 USC 1681S Section 2 ( A ) ( 1 ) Subsections : States, a person shall not furnish any information relating to a consumer to any consumer reporting agency.

No, privacy has been established. No, written permission was established nor given. Violation of my federally protected consumer rights to privacy and confidentiality has taken place with the accounts listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX 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 2024-01-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Merrill lynch discussed my account with another business without my permission and disbursed my funds to that business and lied and said they never accepted the check I deposited they stated they sent the check back to XXXX when they did not they illegally sent my funds to a check cashing place when I had already changed my mind with cashing with them I did not receive funds on XX/XX/XXXX from them and thats when I cashed my check with Merrill lynch XXXX could not put a stop payment because it was already cashed with Merrill I still havent received my funds to this day these companies are both crooked and I need my funds back.

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 2024-01-28 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:
Ive made several attempts to get transunion to update and remove inaccurate information on credit but instead it keeps coming back verified but that is impossible because they failed to provide proof of verification. Ive attached proof of communication below as well as certified mail receipt.

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 2024-01-28 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: VA

Complaint narrative:
XXXX. XXXX XXXX. Transunion Consumer Solutions XXXX. XXXX  BANKRUPTCY XX/XX/2019 : I have public record twice. I have asked for method of verification twice. I have not been provided evidence. The filing/reported date is wrong. The closing day is also wrong. The Reference number is wrong. I demand you provide me with a method of verification. I have attached a letter from the court saying they have not reported this public record to any of the bureaus. Delete this immediately! 



XXXX XXXX XXXX - XXXX : I have disputed this account twice. I AM NOT LIABLE for this debt. I asked for validation, and nothing was provided to me. It has been deleted before and reinserted without proper notice and certification. Delete this immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-28 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: VA

Complaint narrative:
1. Equifax 2. XXXX XXXX XXXX XXXX. XXXX  BANKRUPTCY XX/XX/2019 : I have public record twice. I have asked for method of verification twice. I have not been provided evidence. The filing/reported date is wrong. The closing day is also wrong. The Reference number is wrong. I demand you provide me with a method of verification. I have attached a letter from the court saying they have not reported this public record to any of the bureaus. Delete this immediately! 



XXXX XXXX XXXX - XXXX : I have disputed this account twice. I AM NOT LIABLE for this debt. I asked for validation, and nothing was provided to me. It has been deleted before and reinserted without proper notice and certification. Delete this immediately

Company response to consumer: Closed with explanation