vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-15 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the 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 2024-04-15 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: GA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SANTANDER HOLDINGS USA, INC.
State: AZ

Complaint narrative:
The person calling me is claiming to be a Mediator from a law office representing Santander Consumer USA for a truck that was repossessed in XXXX. This debt was handled in a XXXX XXXXXXXX bankruptcy that was filed in XXXX and discharged several years later. All debts were restructured and paid back. This included the original debtor, which was XXXX XXXX XXXX and Santander Consumer USA was a debt collector representing them at the time and they were notified as well. Since XXXX of XXXX, I have been receiving several phone calls from XXXX and they have been leaving messages claiming to send a sheriff out to my house with a warrant to arrest me if I do not contact them to pay off this debt of over {$15000.00}. I have spoken to them on several occasions explaining to them that this was included in a XXXX XXXX  bankruptcy, to which they have called me a liar and told me that don't care that I have a lawyer and that I am living in a XXXX XXXX. I have asked several times for documentation that a debt still exists and they tell me that I know it exists and that they will be suspending my DL for the state of Arizona and that a deputy with XXXX XXXX will come and arrest me and take me to jail on a warrant for my arrest. I have checked my credit report several times and I fail to see this debt even listed. I am tired of the phone calls and the nasty messages that are being left on my voice mail. Please do something about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: IN

Complaint narrative:
Compliance with FCRA 605B requires the eradication of inaccurate accounts from my credit report. Could you please examine the documents? Certain listed accounts demonstrate reporting inaccuracies and must be eliminated without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates XXXX XXXX XXXX of the debt collection company sent several letters in the past demanding payment I refused to release any finance stating that there is no debt, I don't have a contract with them ( PRA ) and asked them to produce the contract then PRA had their law firm XXXX XXXX XXXX send me a threatening letter saying that they will garnish my wages take possession of my automobile etc and delivered another saying that the account is in litigation and then delivered a citation to my door from XXXX of their employees of a Debt claim saying that I have 14 days to respond So within XXXX hours I made copies of rebuttal which included an XXXX XXXX XXXX XXXX XXXX warranto etc rebutting the alleged claim of debt to XXXX XXXX XXXX and XXXX XXXX 's attorney XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX received a letter from XXXX XXXX XXXX saying that their XXXX has not had sufficient time to complete the investigation in other words they can't produce the contract and that they are a foreign for profit engaging in human trafficking I've suffered immensely health wise for this ordeal and I want financial compensation for what PRA /PORTFOLIO RECOVERY ASSOCIATES put Me through

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: PA

Complaint narrative:
There are inaccurate accounts on my file and I want it removed.

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 2024-04-15 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: PA

Complaint narrative:
On Today, XX/XX/XXXX I received several notices from Equifax regarding a complaint I submitted with you the Consumer Financial Protection Bureau ( CFPB ). The case number I am referencing from the CFPB is XXXX. 

In XXXX of the communications from Equifax ( see attachment-Equifax-Blocking of XXXX Information ), they are assuming I am accusing them of blocking information from my credit report. If you look at my complaint # XXXX, my concern is not that they are blocking my information, however, I requested that information on my credit report be re-investigated as I believe there is inaccurate information reporting. Particularly, an account with XXXX XXXX XXXX # # # for {$920.00}. I demanded that Equifax provide verifiable proof ( i.e. original consumer contract with my wet signature ) that I have an agreement/account with XXXX XXXX XXXX XXXX It is my right as a consumer under the Fair Credit Reporting Act to request this information. 

The second piece of communication I received on XX/XX/XXXX was Equifax requesting I provide them with documents to verify my identity. I have attached this communication for your review ( see XXXX XXXX XXXX XXXX ). It my complaint I submitted to the CFPB, I provided XXXX pieces of identification which included my current drivers license, my social security card, and proof of address. I am uploaded a copy of my original complaint ( see CFPB # XXXX ) that has all my attachments listed. If CFPB assures consumers that all supporting documentation will be shared with the bureaus, why is Equifax again requesting this information. 

I am also uploading my proof of identity again. It is my hope this information is shared with Equifax. It will include a copy of my current drivers license, social security card, and proof of address. 

I am led to believe that Equifax is using a stalling tactic regarding this matter, and is in violation of my rights as a consumer. I demand that Equifax follow up in a timely manner instead of making me as a consumer wait another 30 days for an update. If they are unable to verify the above mention information by providing verifiable proof, I demand that account be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: AZ

Complaint narrative:
I have been attempting to obtain my historical loan information specifically the schools, amounts and dispersement dates for my balance. Everytime I am called the automated service does not connect me to a person just pre recorded information. When I am able to speak with someone they tell me to call someone else and they can not help me. Most recently I was told they would only assist through mail and I had to wait for a letter for assistance. The letter directed me to NSLDS. The number provided bin the letter is not for the NSLDS. When I XXXX  a number for the NSLDS I was told they do not handle any borrower inquires and only work with loan providers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In XX/XX/XXXX, Care Credit granted me a credit limit increase to $ XXXX. I have never been late on a single payment in the 3 years that I've had the account and have paid all interest due. 
As of XX/XX/XXXX my balance was {$1600.00} & upon going in to review my account I noticed that my credit limit had been decreased to {$1600.00}. This is a difference of {$4300.00} and only {$50.00} above my balance. I immediately called the credit card company. 
They informed me that they had done a recent review of my credit and found that my credit score had dropped therefore lowered my limit. I did not give permission for them to look into my credit. They indicated that I gave permission upon establishing the account at which I requested the documentation that indicated such. They said they did not have it.

I further requested to know why they would lower it to the point of making it look as though I've maxed out my credit with them and that this was going to negatively impact my credit. They do not seem to care at all which is ridiculous that they call themselves CareCredit then do something like this. 
I have XXXX other Synchrony Bank credit card accounts ( the same company that CareCredit uses ) and have not seen this unfair practice with those. This is very disturbing.

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 2024-04-15 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: IL

Complaint narrative:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: U.S. BANCORP
State: MO

Complaint narrative:
We started receiving credit card statements from XXXX XXXX  about XX/XX/2022. I called credit card services and told them we did not open this account and to Please correct this. 
They opened an investigation and denied that this was fraud.

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 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi blocked the use of my XXXX Citi XXXX due to a purchase I was attempting to make online. 

Upon calling Citi to acknowledge the transaction, I was asked if I use any other Citi products and had a home phone. After responding no to both, I was told I was unable to verify my account. I would have to wait 5 to 10 days for a letter containing a code to verify my identity to reenable my card or cancel my account.

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 2024-04-15 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:
I request the immediate removal of this unauthorized entry from my credit report, as it is not associated with me.

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 2024-04-15 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:
I request the immediate removal of this unauthorized entry from my credit report, as it is not associated with me.

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 2024-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have requested that these accounts to be removed as these are inaccurate reporting on my credit file. I spoke and discussed this already and they haven't made any progress at all. I want these accounts to be removed if not I will have to receive settlement for about {$1000.00} from these violations in terms of the FCRA

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 2024-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have requested that these accounts to be removed as these are inaccurate reporting on my credit file. I spoke and discussed this already and they haven't made any progress at all. I want these accounts to be removed if not I will have to receive settlement for about {$1000.00} from these violations in terms of the FCRA

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 2024-04-15 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: IN

Complaint narrative:
Compliance with FCRA 605B requires the eradication of inaccurate accounts from my credit report. Could you please examine the documents? Certain listed accounts demonstrate reporting inaccuracies and must be eliminated without delay.Compliance with FCRA 605B requires the eradication of inaccurate accounts from my credit report. Could you please examine the documents? Certain listed accounts demonstrate reporting inaccuracies and must be eliminated without delay.

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 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX of 2023 I received a late charge of {$41.00} on my statement but did not notice this until the next statement as Citi card stopped sending me written statements which I had previously asked for. In noticing this I went ahead and paid off {$3900.00} which was the at that time full amount due on this card. I thought my card was then at a balance of XXXX then unfortunately there was an auto charge of {$4.00} placed on this card. Although I had asked them I again was not provided written statements and though I noted around the time the Citibank XXXX was due by the time I would go online and notice this charge I had another {$41.00} late fee bringing my account balance up due to late fees but not due to use on the card. This continued to occur for XXXX more months and I did not know this until receiving an e-mail notification finally that {$170.00} was due on this card. I again paid this off in full but I'm not understanding why they are charging interest on late fees which is basically a circle of late fees therefore charging interest therefore I can't seem to pay off the credit card in time period this is all from a {$4.00} charge. This has now severely affected my XXXX XXXX and affected my ability to buy a home. I don't even care about getting the money from the late fees back but I have significant frustration that they reported my card over {$4.00} and kept putting more late fees on my card to put me in a horrible circle. I will attach credit statements if needed to back all of this up. At this time my account is closed as per my request so that this stops occurring and they have an outside balance of owing me {$41.00} which they stated they would only send me if I had asked for it but did not offer this to me. As I also think that this is a possible illegal practice. Please assist me in figuring out how to get my credit report improved. I am awaiting hearing back from their credit dispute department but was denied being able to talk to them directly and they have yet to respond to me.

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 2024-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to address a concerning matter regarding the accuracy of my Credit Report held by TransUnion. It has recently come to my attention that despite a previous deletion of disputed information due to fraudulent activity by another Credit Reporting Agency ( CRA ), TransUnion has yet to reflect this necessary correction in my file. 
On XX/XX/year>, I received notification of resolved from XXXX confirming the removal of the following account from my credit profile due to its inability to be verified. XXXX XXXX XXXX, XXXX action was taken in accordance with applicable procedures and federal regulations. 
In accordance with these procedures, I have ensured that all relevant data furnishers linked to this account, as well as other Consumer Reporting Agencies involved in the dispute, have been duly informed of its deletion due to their failure to substantiate its validity. 
Attached to this correspondence are documents verifying the removal of this disputed account from my credit file, along with evidence of its deletion by another CRA. It is crucial to emphasize that the continued reporting of this inaccurate account on my TransUnion credit report is not only a violation of federal consumer protection laws but also undermines the integrity of my credit profile. 
I respectfully request that TransUnion promptly rectify this oversight by expeditiously removing the disputed account from my credit report. Failure to do so may necessitate further escalation of this matter, potentially resulting in legal action or formal complaints. 
Your immediate attention to this issue is greatly appreciated. I anticipate a timely resolution to ensure the accuracy and integrity of my credit report, as mandated by law. 
Thank you for your cooperation in addressing this 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