vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
On XX/XX/XXXXXXXX  i received a notification on XXXX XXXX that i had a new hard inquiry on my credit account. Immediately after, i received an email from XXXX XXXX Credit Card Company that I had been approved for a Platinum Credit Card with a {$2000.00} limit. I immediately called the XXXX XXXX Fraud Department and reported it as fraud. They said they would mark it as fraud and close the account. 
On XX/XX/XXXXXXXX  I called both Transunion and XXXX to report the hard inquiry as fraud. They both told me to submit an FTC Report and send the report to them, only then they would be able to get to work to remove the hard inquiry 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 2023-10-17 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX ( XXXX  XXXX  ), 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 reporting agency can not furnish an account without my written permissions and 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 non-monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
i reachout numerous times to experian XXXX XXXX about fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX THE FCRA SEEKS ACCURACY AND FAIRNESS OF CREDIT REPORTING 15 USC 1681 { A } 15 USC 1681 I [ A ] 1 ] [ a ] the cra tha negligently fails to comply with the fcra i would like these items removed due

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 2023-10-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX as Trustee who is recorded in court documents. Be advised that we dispute the validity of this debt and a great portion thereof. We are exercising our rights as we had asked to rescind loan under TILA VIOLATION as well as all assignments involved with our loan and we understand that this Law Firm is or has been designated as the Trustee over the property of XXXX XXXX XXXX XXXX Georgia XXXX your firm was given authority over this property then you should be well acquainted with all of the assignments listed in court documents such as we have stood on the premises of this proclamation yet there is no clarity revealed in the processes sent forward whereas 13 to 14 banks have been involved in this merry-go-round. In our files the loan numbers are as follows XXXX XXXX, XXXX XXXX, Bank of America NA-XXXXXXXX XXXX VA XXXX # XXXXAnd now we are told that XXXX is once again proclaimed to the party of the property. Yet we have received only 2 more notices of assignment changes and they are for BOFA MERRILL LYNCH ASSET HOLDINGS, INC ( NEW OWNERS ADDRESS XXXX XXXX XXXX XXXX XXXX, NY XXXX ) Now in relations to these assignments it is now a company documented by the Secretary of the State of Georgia first under XXXX XXXX and now XXXX XXXX as XXXX XXXX No. XXXX BOFA MERRILL LYNCH ASSET HOLDINGS , INC.XXXX XXXX XXXX XXXX ; XXXX XXXX, North Carolina XXXX XXXX 

We have irrefutable evidence that in XXXX our loan was paid in full by XXXX XXXX and was a resale exchange.XXXX  XXXX Litigation Specialist Bank of America in a written statement That we had a purchase money transaction, and it is evident from their review that the proceeds From this loan was consummated in XX/XX/2006, any extended right to rescind, even applicable Has expired pursuant to TILA Furthermore There is no evidence of a Mortgage documented on any of the 3 credit bureaus since XXXX file examined by FOIA. 

The National Justice Department has taken our case and have assigned a auditor involving the life of our loan and the suspicions of fraudulent activities concerning over the life of this loan.

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 2023-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-17 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: FL

Complaint narrative:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 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: FL

Complaint narrative:
Hey I am writing to dispute the following information on my report. 
This item 1. Account XXXX XXXX  XXXX Account number : XXXX And 2. Acount XXXX XXXX XXXX Account number : XXXX is inaccurate because I have never opened an account with the creditor I filed an police reports and an identity theft report and sent out to Experian I also asked Experian for steps use to validate this account several times and the original contracts between me and the original creditor agreement with my signature neither Experian nor the original creditors were able to do so the last several months Experian Violated my rights under The FCRA by not following the basic Laws. I am requesting that this item be removed immediately from my credit report. 

Please notify me that the above items have been deleted pursuant to " 611 ( a ) ( 6 ) [ 15 USC ' 1681 ; ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of " 612 ( 15 USC 1681 ], there should be no charge for this report. 
If you have any questions or need additional information, please contact me at the address noted above. 
Also, I would like to remind you, using the E-Oscar method to verify this debt, which you are aware of, is against the FRCA guidelines. Please also include in your own reply the method used to " verify '' the debt you claim I owe *******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******** I am Damaged Mentally and physically do the inaccurate information being reported!

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 2023-10-17 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: FL

Complaint narrative:
I submitted dispute with CFPB on XX/XX/24 for the following item XXXX XXXX XXXX The item have come back saying the information was verified I am now sending facts showing the inaccuracies with a copy of credit report. 

XXXX XXXX XXXX Why is the high balance lower than the balance on this collection? Its impossible and needs to be removed!, You have the wrong open date 2 how can it have to open dates on each bureau?, this account has the wrong balance Transunion shows {$5700.00}, and XXXX shows {$5900.00} how can this be?, monthly payment reported on closed account, section 609 states that you're required to send me the paperwork associated with this account. How can the credit bureau claim information is verified when inaccuracies persist on the credit report? This raises questions about the effectiveness of their verification process and the need for transparency and accountability in credit reporting. At this point, I can't help but feel like I'm being discriminated against.

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 2023-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
I filed a dispute for unauthorized transactions that were made from my Chime checking account and was denied. My card was lost on the XXXX of XXXX and my last transaction was at XXXX at XXXX XXXX XXXX XXXX XXXX The unauthorized withdrawals happened from the XXXX of XXXX to the XXXX of XXXX totaling to {$5000.00}. I re opened my dispute and was denied the same day. In my denial I received a email telling me no errors were made on my account. This situation has caused a hardship on me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Valon Technologies, Inc.
State: NY

Complaint narrative:
I made a payment on XX/XX/XXXX at XXXX EST, and a payment on XX/XX/XXXX at XXXX EST. I got charged with a late fee both of those months for XXXX each. I emailed Valons email support and they responded that their policy states they are only allowed to credit 1 late fee per a 12 month policy. This policy was never clearly explained to me when my loan was transferred from XXXXXXXX XXXX to Valon Mortgage. I explained that Valons 1 late fee credit per 12 months is predatory and intended to extract as much funds from the consumer as possible, especially considering the actual payments I made were on the XXXX day which is what is allowed by law as a grace period for consumers. After arguing with Valon, I got both late fees waived. Yesterday due to a power outage at my property, I did not have online access to make my payment prior to XXXX on the XXXX, and I was finally able to make a payment at XXXX EST at the earliest on XX/XX/XXXX, within the 16 day grace period. I emailed Valons email support right away for help, but rather than argue in emails back and forth I decided to call in to their customer support to talk to someone and provide documentation of my power outage as I have text notifications from XXXX XXXX that power would temporarily be out at my property. The representative on the phone was rude and didnt have any compassion and told me that the fee would be my responsibility. The call can be listened to at https : XXXX I even asked the customer service to set me up on autopay if shell waive the late fee so that neither I or Valon will have to deal with late fee waivers again as it is likely to repeat considering Valons very strict late fee waiver policy that results in issues because of their early XXXX early cutoff time while the industry standard over the years has been major credit card companies and mortgage companies moving over to a midnight cutoff time. I explained to Valons phone representative that this fee will not be paid and will remain on the account until it ends up in collections and that a complaint will be filed to the CFPB to inform them of Valon unwilling to help a customer out that has tried to reach a middle ground with autopay setup. A company like Valon should really focus on customer support being a new company and winning over customers versus trying to figure out how to make as much profit as possible especially when all my payments have been on the XXXX and it is very clear I am a credit worthy customer based on my credit score and payment record. They could never get me as a customer based on their customer service alone and are lucky to have gotten my business by getting my loan transferred over to them. I hope Valon isnt as greedy as Ive pointed out and will credit me my late fee charged on XX/XX/2023 in the amount of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
An unauthorized address change was made on my credit card. Then an unauthorized charge was made. I called the credit card company and the address was changed back to my address. The credit card was canceled and a new card was issued. Checked my credit report and this new address ( out of state and unauthorized ) was listed on my report. Filed an account alert on all 3 credit companies and was advised to file on this site also.

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 2023-10-17 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: NY

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-10-17 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: NY

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 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: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
It was XXXX loan from XXXX and they sold my information to another solution company deft collect company with out my consent and now report ai a vantage report late payments and wrong information on my credit report when acct was in good standing and no late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX ( XXXX XXXX XXXX ), 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 reporting agency can not furnish an account without my written permissions and 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 non-monetary relief
Consumer complaint received 2023-10-17 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: FL

Complaint narrative:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I noticed on my credit report on XX/XX/XXXX that there was an attempt to open a chase credit card in my name, which was fraud, I received the chase credit email at XXXX and I called them at XXXX to report the fraudulent account activity. They said they will stop the application process and I did ask why did they not call me before hitting my credit with this inquiry, they said that eventually something seemed fraudulent. It seem like I caught them before chase did. Chase said that the application is closed and that they will send me information in the mail along with facts about how to protect myself from fraudulent activity. My credit score decreased by XXXX  point and which I disputed this inquiry which XXXX is removing it, but I want my XXXX point back. There has been a freeze place on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 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: MN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. I know for FACT I did not give nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. It has harmed my family and I severely. Rectify this immediately!
This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

I expect a written response from your credit bureau within 4 days of receiving this letter. Failure to respond will leave me no choice but to escalate this matter further, including reporting the violation to the appropriate regulatory authorities and pursuing legal remedies available under the FCRA. 

I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by the consumer.

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