vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
XX/XX/2022 Transunion reported a hard inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX Phone XXXX I was not applying for credit anywhere. 
I called the phone number and the recording claimed to be Transunion.

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 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, 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: TN

Complaint narrative:
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 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

THERE ARE TWO ACCOUNTS ON MY REPORT IN WHICH SHOULD NOT BE THERE. 
- XXXX XXXX WHICH WAS LAST REPORTED XX/XX/2021 XXXX XXXX XXXX XXXX WHICH WAS LAST REPORTED XX/XX/2021 BOTH ACCOUNTS ARE CLOSED BUT SHOUD NOT BE 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 non-monetary relief
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
ACIMA DIGITAL FKA SIMPLE ... this was paid in Full & it still on there as a Negative since Payment in 2019

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma, LLC
State: MO

Complaint narrative:
On more than one occasion I applied for a loan or credit card that showed pre-approved and/or outstanding approval odds through credit karma and was denied. This put hard inquiries in my report, kept me from getting other credit and brought down my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I AM A VITIM OF IDENTITYTHEFT. I GOT NOTIFICATION THAT MY INFORMATION WAS AS COMPROMISED. I'M TRYING TO GET THIS ISSUE REMOVED WITHIN THE COMPANY AS WELL AS THE BUREAUS.NOTHING HAS HAPPENEDAND THE COMPANIES TELL ME THAT THE CREDIT BUREAUS HAS NOT TAKEN THE FRAUD ACCOUNTS OFF. THIS IS A VIOLATED DATA FURNISHERS RIGHT PER THE FOLLOWING, 15USC SECTION 602, 15 15 USC 1681 SECTION 604 AND 15 USC 1666B. XXXX, XXXX AND TRANSUNION HAVE VIOLATED MY RIGHTS. I INTEND TO TAKE LEGAL ACTION IF THIS IS NOT RESOLVED. PLEASE HAVE THE FOLLOWING ACCOUNTS ARE XXXX XXXX  XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX- XXXX. PLEASE HAVE THE FRAUD INQUIRIES DELETED 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 non-monetary relief
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I AM A VITIM OF IDENTITYTHEFT. I GOT NOTIFICATION THAT MY INFORMATION WAS AS COMPROMISED. I'M TRYING TO GET THIS ISSUE REMOVED WITHIN THE COMPANY AS WELL AS THE BUREAUS.NOTHING HAS HAPPENEDAND THE COMPANIES TELL ME THAT THE CREDIT BUREAUS HAS NOT TAKEN THE FRAUD ACCOUNTS OFF. THIS IS A VIOLATED DATA FURNISHERS RIGHT PER THE FOLLOWING, 15USC SECTION 602, 15 15 USC 1681 SECTION 604 AND 15 USC 1666B. XXXX, XXXX AND TRANSUNION HAVE VIOLATED MY RIGHTS. I INTEND TO TAKE LEGAL ACTION IF THIS IS NOT RESOLVED. PLEASE HAVE THE FOLLOWING ACCOUNTS ARE XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE HAVE THE FRAUD INQUIRIES DELETED 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 non-monetary relief
Consumer complaint received 2022-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Theyve called me more than 4 times daily or every time Im on my phone they call. Whenever Im on social media they call me as if theyre stalking me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
These accounts were listed as mine and they were all fraudulent accounts XXXX XXXX XXXX XXXXXX/XX/XXXX ( Closed ) XXXX XXXX Not my account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ). XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXXXXXX ( Finance ) - XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX ( Bank XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX ( Bank XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ). XX/XX/XXXX XXXX XXXX. XX/XX/XXXXXXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( Bank ). XX/XX/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 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
XXXX Account XXXXXXXX XXXX Account XXXXXXXX XXXX Account XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX Account XXXX Account XXXX n accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
XXXX  Account XXXXXXXX XXXX  Account XXXXXXXX XXXX Account XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX Account XXXX Account XXXX n accordance with the Fair Credit Reporting act XXXXt Account # 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I never received the credit card and never used it I was out of country when this was happened XXXX XXXX XX/XX/XXXX to XXXX XX/XX/XXXX .when I came back I received phone calls and letters about the debt.I wrote letters to the company that this is not my debt I want to dispute the validity of this debt .They place a hold on my checking account due to judgment.The default dates on which the balance became due is XX/XX/XXXX when I was out of country. 
Original creditor : Washington Mutual Bank Account XXXX Creditor : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, 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:
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. 


XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 



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 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Uplift, Inc
State: IN

Complaint narrative:
I have filed a dispute with Uplift and returned on XX/XX/2022. 
I called them two weeks again informing them I have been returned the dispute form back.

I was told I would receive a call back from the Fraud department. I never received a call.

This is not my account it is ridiculous how Uplift is handling this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I sent the payment coupon that was attached to the statement that they send me every month. I endorse it and sent it back certified mail. I received my green card back stating that the company received the payment coupon. I called today Monday XX/XX/XXXX and see what going on with my payment. I was told that they didnt receive my payment coupon also that it was not a form of payment. I asked if they can send my original payment coupon back and I was told they couldnt but could send a copy of the billing statement. I even stated this law 15 usc 1693o-1 along with public law 106-229

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: VA

Complaint narrative:
I have attempted to call MOHELA, my student loan servicer, for a week. I need to speak with a human being regarding a payoff amount. One would assume they'd be eager to collect their debt, and yet, the calls are either dropped ( after the caller is forced to listen to a three-minute, useless automated message ) or the calls do not go through at all. In a time when many people are concerned about Public Service Loan Forgiveness, loan cancellation, and the rising cost of just existing, it is unacceptable that this company is allowed to treat people in this manner.

The application for loan forgiveness is supposed to be released this month. Unfortunately, I have zero faith that I will get any results from this horrible company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
My several attempts for dispute resulted in verification and nothing further. When I contacted the Fraud department I was transferred constantly or placed on infinite hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  has violated my rights.

15 USC 1681 Section 602 states I ave the right to privacy.

15 usc 1681 Section 604 A section 2 state a consumer reporting agency can not furnish an account without my written instructions.

15 usc 1666b states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 states I ave the right to privacy.

15 usc 1681 Section 604 A section 2 state a consumer reporting agency can not furnish an account without my written instructions.

15 usc 1666b states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EGL US, LLC
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states I ave the right to privacy.

15 usc 1681 Section 604 A section 2 state a consumer reporting agency can not furnish an account without my written instructions.

15 usc 1666b states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo placed a 2 week hold on a check I deposited. From what I have read holds on checks can only legally be 2-3 days. When I called them to resolve the matter they refused to help me. 

What they are doing is illegal and I am being charged overdraft fees because of this. Wells Fargo is scamming their customers yet again.

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 2022-10-03 00:00:00
Product: Credit card or prepaid 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: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
On XX/XX/2022 I attempted to make a purchase through XXXX for {$80.00} using a Milestone credit card issued in my name. After the driver for XXXX delivered to the wrong address, he insisted I was somehow trying to fraud XXXX and reported me as a scam. XXXX immediately canceled my account and sent an email stating they had not charged my credit card. Milestone  from Genesis XXXX, XXXX Oregon, however charged the {$80.00} to the account as a purchase on XX/XX/2022. I called customer service and asked for a refund to my account and the operator said that there was nothing to refund as the transaction had not occurred. I informed her that my online account statement showed the purchase and of course my limit showed the same. She assured me that everything was fine and not to worry, it would take up to 72 hours to show up on my account. I checked my account again on XX/XX/XXXX and it showed not only the charge had not been reversed but they decided to institute the annual service fee to assure that the account would be overdrawn. A second call on XX/XX/XXXX was met with a similar response and to not worry about the overage fees or even the original {$80.00}. Today is XX/XX/XXXX and I still am seeing the same account balance. I contacted XXXX and they claim to not have received the {$80.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Nu World Title, LLC
State: FL

Complaint narrative:
Client ( XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ) closed on a purchase of a property on XX/XX/XXXX and the purchase was made from a foreign real estate investor. As part of the closing, the closing agent ( Nu World Title ) was required to withhold XXXX taxes from the seller. {$34000.00} were withheld and had to be remitted per section 1445 of the IRC to the IRS within 20 days. Funds were mailed to the IRS on XX/XX/XXXX, XXXX years later. The Client is now required to pay the IRS in excess of {$15000.00} in penalties and interest for late payment of the withheld taxes. 

Closing company breached its fiduciary responsibilty to remit funds timely to the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
These accounts were listed as mine and they were all fraudulent accounts XXXX XXXX XXXX XXXXXX/XX/XXXX ( Closed ) XXXX XXXX Not my account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XX/XX/XXXXXXXX XXXX XXXX ( Bank ). XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXXXXXX ( Finance ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX ( Bank XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) - XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX  ( Finance ). XX/XX/XXXX XXXX XXXX. XX/XX/XXXXXXXX XXXX ( Miscellaneous ) XX/XX/XXXXXXXX XXXX XXXX  XXXX ( Bank ). XX/XX/XXXXXXXX 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