vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-17 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: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from 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 non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Dates XX/XX/XXXX through XX/XX/XXXX, Ive lost my phone at the mall and I had someone charge me over {$2900.00} worth of funds traveling to XXXX XXXX, over XXXX transactions. I didnt receive no notification or anything that my card was being used overseas. I tried to do a dispute but they stated that there was no errror and Ive sent in documentation who used my card information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
Im constantly called almost everyday sometimes by different numbers start with ( XXXX ) and never leave a voicemail. I asked for a dept validation letter sent to email XXXX and never received it to this email. The dept validation sent to a separate email contained extra charges onto my dept that is not included in my lease agreement for example the lease termination fee of XXXX and the pest control bill, carpet replacement, and cleaning charges. These charges are inaccurate. I included all the photos of how the apartment was left and my multiple maintenance request for the bug issues and how I attempted to pay my HALF of the rent and was denied to do that due to my secondary tenant XXXX XXXX refusing to pay and me being unemployed due to XXXX and on top of not being approved in time by the hope program to assist with the rent because the apartment refused to send over the required information. Please stop contacting me if its not to accurately verify this dept. if any additional proof is needed on my end please let me know

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: AL

Complaint narrative:
You violated my rights under the fair credit reporting act 15 USC 1681 section 602 A I have the right to privacy 15 USC 1681 A section a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose USC1681 section 604 A section 2 a consumer reporting agency can not furnish an account without written instructions .remove these late payments and update 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 2024-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citibank is where my accounts were hacked. 

XX/XX/scrub>XXXX XXXX XXXX  my checking account was hacked. Hackers changed the email address and password. Put wire transfer feature. Put in 2 new payees. Made 2 wire transfers to their new email account and domestic bank account. The transfer was made by a XXXX XXXX to an account at XXXX. 

He tried a third transfer that was denied. Citicorp denied that one. ( Thank goodness ) The wire amounts were for {$1900.00} and {$2000.00}. 

I reported the fraud of unauthorised wire transactions for investigation and was denied a refund. I appealed and was again denied, even thought Citibank knew that my account had been hacked. Citi said that the wires were authorized. The fraudsters had hacked 2 credit cards the same day. They refunded me on one account but not on the other. 

Citibank has all the documentation to indicate that it was fraud and unauthorised wire transfers.

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 2024-01-17 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states ; " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect to the consumer 's right to privacy ''. XXXX and Transunion keep violating Privacy Act of 1974 by sharing my information. XXXX and Transunion was also notified about the fraudulent use of my name in various ways. Addresses that I have never lived, and other fraudulent use of my profile in which they furnished without my consent and verified without my consent. XXXX and Transunion have fraudulently assumed the role in my trust and personal identity against my will and acknowledgement and still continues to furnish such derogatory information against my written, oral, and otherwise requests to delete such information which has been a hindrance on my life. Due to the inaccurate information on my credit report, XXXX and Transunion allowed XXXX XXXX XXXX XXXXXXXX to add a negative adverse item to my collection, which was also reported to identity theft since I have never had any accounts with them. 
XXXX is in violation of the Family Educational Rights and Privacy Act by sharing my personal non public personal information with third party parties which are XXXX and Transunion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are financial institutions by definition under title 15 USC 1681 section 604 ( a ) section 2 states that " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. The following financial institutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the consumer reporting agencies XXXX and Transunion do not have my consent to furnish this information and they surely do not have my written consent. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have been sharing my nonpublic personal information to a nonaffiliated third party and my credit report has been affected, 15 USC 1681 ( b ) ( c ). 15 USC 1681 ( A ) ( 2 ) Exclusions ( A ) ( i ) states report containing information solely as to transactions or experiences between the consumer and the person making the report which would be between the financial institutions and me 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
Consumer complaint received 2024-01-17 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:
XXXX XXXX and XXXX XXXX  have been unlawfully reporting my transaction history to unaffiliated businesses such as XXXX, XXXX, and Transunion. I have attached a picture of their Privacy policy which states they don't share information with anyone unaffiliated and I have also attached a letter sent to them describing the USC and CFR laws listed within the notice.

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 2024-01-17 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:
XXXX XXXX and XXXXXXXX XXXX have been unlawfully reporting my transaction history to unaffiliated businesses such as XXXX, Equifax, and XXXX. I have attached a picture of their Privacy policy which states they don't share information with anyone unaffiliated and I have also attached a letter sent to them describing the USC and CFR laws listed within the notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
End of year XXXX  or Early XXXX. I noticed fraudulent charge on acct. Called acct XXXX  sent out new card. Wrong address. Called, XXXX  not froze card after scammer activated my card. Called now almost 3 weeks to get them to change email to access my acct. To no avail. XX/XX/XXXXXXXX  last day I called

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-17 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: TX

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 2024-01-17 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: TX

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 2024-01-17 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: SC

Complaint narrative:
Subject : Dispute of Late Payments on Account [ XXXX ] Dear Sir/Madam, I am writing to dispute the late payments being reported on my account [ XXXX ]. According to the Fair Credit Reporting Act ( FCRA ), the term person is defined broadly, including entities such as XXXXXXXX XXXX 

Reference : 15 USC 1681a ( 2 ) ( A ) ( i ) Explanation : This section establishes the broad definition of person under the FCRA, encompassing entities like XXXX XXXX. It serves as the foundation for disputing the reporting of late payments by such entities. 

Furthermore, under 15 USC 1681a ( 2 ) ( A ) ( i ), a consumer report excludes information about transactions solely between the consumer and the reporting entity, subject to section 1681s3 of the FCRA. As such, reporting late payments as transactions is a violation. 

Reference : 15 USC 1681s3 Explanation : This section outlines the responsibilities of furnishers of information to consumer reporting agencies, emphasizing the requirement for accuracy. It supports the argument that transactions solely between the consumer and the reporting entity should not be reported under this section. 

In accordance with SC Code Ann. 39-5-10 et seq., which prohibits unfair or deceptive practices and acts, the illegal reporting of late payments corresponds with this law. 

I am ordering XXXXXXXX XXXX, TransUnion, and XXXX to cease reporting late payments for this account and update it to Paid as Agreed, Never Late. I do not authorize the reporting of these late payments, as they are not only inaccurate but also damaging to my creditworthiness. 

Furthermore, even with a permissible purpose, consumer consent is essential, as mandated by 15 USC 1681b. I do not grant such consent in this case. 

If the account is not updated within 30 days from the receipt of this complaint, TransUnion, XXXX, and XXXXXXXX XXXX can be held civilly accountable. I appreciate your attention to this matter. 

Done in good faith.

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 2024-01-17 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I submitted my for unauthorized funds taken from my account back in XXXX somewhere near XX/XX/23 I did not get a provisional credit nor my issue resolved I received two letters of denial?? Stating I took the cash out or someone I know??? I did not take no money out of my account!!! I REQUESTED THE DOCUMENTS USED TO DETERMINE THE DECISION WHICH I HAVE NOT RECEIVED I WAS ALSO JUST TOLD I COULD HAVE FILED A POLICE REPORT WHICH EOULD HAVE HELPED THIS MATTER!! WHY WAS I NOT GIVEN THE INFORMATION THE FIRST TIME I CALLED!!!??

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 2024-01-17 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: WI

Complaint narrative:
In reference to an account of XXXX XXXX XXXX XXXXXX/XX/XXXX - I sent a letter letting Transunion know that this account is not being reported correctly, and to please update to show that it's never been paid late. I received no response. 

XX/XX/XXXX - I sent a letter to Transunion following up that this account is still showing incorrect information and that it needs to be updated to show never paid late. I received no response. 

XX/XX/XXXXXXXX  - I sent a letter to Transunion letting them know that this account is still showing incorrect information, and that it needs to be updated to show never paid late. I asked for the method of verifying this information - but again, never received a response. 

XX/XX/XXXXXXXX XXXX  I sent a letter to Transunion informing them once again that this account is continuing to show incorrect information, and it needs to be updated to show never paid late. - Once again, no response. 

XX/XX/XXXXXXXX  - I sent a letter to Transunion explaining the numerous letters I have sent to them over the months since XX/XX/XXXXXXXX XXXX and explained that they continue to report inaccurate information that is damaging my credit profile. I sent them factual information that shows the data furnisher that is reporting this account is reporting different information to different credit bureaus. There is NO WAY that this can be verified as accurate. I advised that if this was not resolved, I would be filing a complaint with the CFPB. 

I have never received any response to my letters. The only way I know what is going on is by looking online at my credit report/profile to see what they are updating. They continue to report inaccurate, damaging information and continue to put a statement that it has been verified on the 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 non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: NC

Complaint narrative:
The situation is in regards to Westlake Portfolio Management and U.S. Auto sales. U.S. Auto sales is the original credit lender to my vehicle ( XXXX XXXX XXXX, VIN # XXXX ). On XX/XX/XXXX U.S. Auto sales closed their doors without any notice or warning. My loan was then transferred to Westlake Portfolio Management shortly after. Not too long after that did we learn that U.S. Auto Sales had filed for bankruptcy and was being sued due to the fraudulent activity of never paying for the warranty provided by XXXX XXXX XXXX XXXX ( DOWC ). Once everything was further reviewed we were made aware that the warranty and Gap that were agreed upon in my contract were null and void. When I made efforts to contact Westlake to see if my warranty was being honored or refunded they told me that they do not know and to contact their new warranty company. When I did so the warranty company named XXXX replied to me via Email that I do not have a contract with them. The new company who is claiming to be my original creditors have not provided me with a new contract connecting me to a loan provided by them. My lawyer has written to Westlake twice now demanding a contract rescission under the primary XXXX XXXX XXXXXXXX XXXX XXXX. Of which is only one of the many laws violated within the contract provided by U.S. Auto Sales and now by Westlake Portfolio Management. 
Also in attempts to communicate with Westlake all representatives are very rude and controversial. It appears as none have been taught about the situation and have been given scripts that do not aid in the transition to Westlake. Westlake has failed to make any proper communications regarding the letter that has been sent to them Twice and can not supply a single answer to my questions without them being met with controversy. 

My husband XXXX XXXX and I are both on the account for this vehicle. Both of our credit scores have been attacked. XXXX XXXX is an active duty service member and received DA orders for Recruitment and we will be moving, but can not buy or even rent with this attacking our credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: SC

Complaint narrative:
I AM A LIVING PERSON PLEASE DON'T CLOSE OUT MY COMPLAINT WITHOUT FULLY INVESTIGATING. PER THE FCRA AS A FEDERALLY PROTECTED CONSUMER I AM OPTING OUT OF ANY AND ALL AUTHORIZATION. I THE CONSUMER HAVE GIVEN WHETHER VERBAL, WRITTEN OR NON-VERBAL PER 15 USC 1602. I HAVE IDENTIFIED ACCOUNTS ON MY CREDIT THAT ARE RESULTS OF IDENTITY THEFT. THESE ACCOUNTS ARE NOT RELATED TO ANY TRANSACTIONS COMPLETED BY ME. I HAVE READ THAT I HAVE RIGHTS TO HAVE MY INFORMATION BLOCKED AND REMOVED PURSUANT TO 15 USC 1681 c-2. PLEASE HONOR MY REQUEST AND REMOVE THESE ACCOUNTS 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 explanation
Consumer complaint received 2024-01-17 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:
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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
So I have tried too get Experian, XXXX, and XXXX to get collections off of my Credit report. Collections that are on Credit Report is a violation because it is a Certificate of Indebtness and also considered as income and it can not be reported on my Credit Report.. 

I demand deletions of these account : XXXX XXXX XXXX XXXX 3 accounts collections XXXX  XXXX XXXX XXXX-collectios XXXX-collections XXXXcollections XXXX XXXX XXXX-collections 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