vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-07 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: TN

Complaint narrative:
Each time I try to fix and or dispute inaccuracies, I am being told that certain things are factual. So here I am again, trying to fix inaccuracies on my report. All XXXX reporting agencies is furnishing somethin different on each report. Trying to get this fixed is like looking for a needle in the ocean.

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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/2024 I sent a letter to TransUnion regarding a request to investigate things that I believe to be inaccurate and incomplete on my credit report. Today, XX/XX/2024, I received a stall letter from TransUnion stating that is not me but from a third party trying to fix my credit which is totally incorrect. I mailed this letter from my own house. Im not sure why do they think I am a third party as I am trying to fix my own credit while trying to get these inaccuracies remove from my credit report so I can purchase a home.

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 2024-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: CO

Complaint narrative:
My accounts were closed and has a XXXX balances with Nelnet. The company refuses to report this to the credit bureaus. When I disputed the accounts information with the credit bureaus, Nelnet denied the accounts are closed and there is a {$140000.00} balance owed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
In febuary of 2023 I tried to save the life of my dog, XXXX by going through the emergency vet and racked up about {$10000.00} in bills due to this, despite this she unfortunately died. During this period of time I also lost my job of XXXX years. To cover this bill I took out {$7100.00} in credit from Care Credit. Since that I have made all payments on time and have paid off a smaller promotional balance. I made an error and did not check that the promotional balance expired and was subsequently charged {$1900.00} in interest on top of my remaining balance which is {$4300.00} I have just barely enough in my savings to pay off this balance but can not pay the additional interest. 

I have since spent multiple hours on the phone with carecredit/synchrony aswell as the live chat and have not been able to get forgiveness on the interest so that I can settle this debt. 

I have screenshots of the live chat in which a representative told me I could pay my promotional balance after which they would be able to take off the interest however the rep rescinded his statement moments later and said it was an mistake. 

The phone rep said my only options would be to go 90 days delinquent on payment and I would be offered a settlement or, I could enter the financial hardship program but apparently I did not qualify for the financial hardship program as I have no income currently and only savings. I am doing my best to settle this debt without ruining my credit and this process has been incredibly defeating. 

I have also sent a letter in email to all corporate email addresses I could find online. Basically just describing my situation and making a plea for forgiveness on the intrest so I can pay the balance.

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 2024-05-07 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: CA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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 2024-05-07 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: MN

Complaint narrative:
I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments.

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 2024-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: NY

Complaint narrative:
XX/XX/XXXX : I attempted to transfer {$100000.00} from XXXX to a US Bank checking account to be prepared to pay my tax bill. I accidentally transferred in the wrong direction. 

XX/XX/XXXX : I called XXXX, and they conferenced in US Bank to clear up the issue. US Bank informed me that the account had been closed due to fraud. We discussed my mistake, and they assured me that the account issues would be resolved, and I would have access to my bank account again the next day. I ran the correct transaction to return to transfer {$100000.00} back to US Bank. When the account wasnt reopened, I gave them the benefit of the doubt, and waited over the weekend to see if it would be reopened on Monday. 

XX/XX/XXXX : Another {$100000.00} was returned from XXXX to US Bank as part of the ACH Insufficient funds that was originally attempted. At this point, {$100000.00} has correctly moved to the US Bank account to pay for taxes. At this point my account is still closed. 

XX/XX/XXXX : I called US Bank again to see why my account was still closed. They told me there was nothing they could do - it was flagged for fraud ( presumably due to my original mistake ) - and that the funds in the account would be returned either to XXXX or mailed to me as a check. 

I received a letter from US Bank, now stating that my money would be returned within 15 business days of the account being closed. In the meantime, another {$12000.00} was deposited to the account, as part of my NY State XXXX  tax return. 

XXXX : It has now been 16 business days since I lost access to my account. I call and ask the status of my funds. They state that its in the hands of the fraud department, who can only be reached by email, and they have no estimate how long it will take to get my funds returned. They tell me they will email the fraud dept, and to try calling again next week. 

XXXX : I call again at their direction. The new rep states the same : its in the hands of the fraud department. They have no idea when I will regain access to my funds.

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 2024-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I've consistently ensured that payments on this account are made on time, never letting them become overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be corrected.

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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ATTN : EXPERIAN TO WHOM : IT MAY CONCERN ACCORDANCE TO TITLE 15 6801 ( a ) ( b ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) PROTECTION OF NONPUBLIC PERSONAL INFORMATION ACCORDANCE TO TITLE 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THESE TRUST UNAUTHORIZED ACCOUNTS AND LATE PAYMENTSTHEY READ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TO BE FURNISHED/REPORTING ON MY CONSUMER REPORT. I HAVE FILED A POLICE REPORT CASE XXXX  XXXX AND IVE FILED An FTC REPORT UNDER OATH THAT FEDERAL NUMBER READS XXXX  XXXX IT IS YOUR DUTY TO REPORT ACCURATE CLEAR AND PRECISE INFORMATION AND PROTECT THE CONSUMER PLEASE DELETE THIS IMMEDIATELY THANK YOU VERY MUCH IN THIS MATTERANDD IN THAT ORDER. THX IN ADVANCE GOOD SIRS/MAAM. 


SINCERELY, XXXX XXXX XXXX UCC 1-308

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 2024-05-07 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: MN

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: MN

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following accounts.

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 2024-05-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCF Intermediate Holdings LLC
State: FL

Complaint narrative:
I received a title loan from InstaLoan/TitleMax in 2023. I lost my job shortly after due to being laid off. When I got the loan, I purchased insurance just in case of unemployment so I contacted the company quickly in an attempt to get my payments paused temporarily. They never responded to my request and continued to harass me for payment daily. Ive been paying off this loan, now far more than the original amount due to interest and late fees. They call me every single day, sometimes multiple times in the same day. This far exceeds what is allowed by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: NJ

Complaint narrative:
The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.

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 2024-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
on XX/XX/year> I made a payment and a late fee of {$30.00} plus a currant payment in Full, on XX/XX/year>, I get a balance saying I owe a balance of {$2.00} due by XX/XX/year> and I rarely use the card, I think the company is gouging me with fees. 

The Company is : XXXX XXXX XXXXSynchrony Car Care I called company on XX/XX/year> XXXX, It was'nt easy to get a live person on the line when I taled to a lady I was told that it was a fee due to the late I'm. Confused.

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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: FIRST ADVANTAGE CORPORATION
State: TX

Complaint narrative:
I applied for a position at XXXX XXXX and they used first advantage as the agent to investigate my my report but the report that first advantage gives to the employer I dont know if is correct because that information affected my employment status until XXXX XXXX their not able to work with me anymore. Thats why Im trying to see if I can get help from that and see this as the right place to get my rights back because I understand I have bad credit but I dont have any bad history about employment history so how my credit score can affect my credit history

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: LA

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. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 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 2024-05-07 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: 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. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
ON XXXX I HAVE 2 CREDIT INQUIRIES, AND ON TRANSUNION I HAVE 4 INQUIRIES THAT I DO NOT RECOGNIZE. I TOLD THEM ABOUT THE INFORMATION ON MY CREDIT REPORT SUCH AS MY ADDRESS IS NOT CORRECT SO IT IS INVALID. I ALSO REACHED OUT TO THE COMPANIES AND THEY TOLD ME THAT THEY DO NOT HAVE THE RESOURCES TO HELP ME. 

PLEASE CONTACT THE FOLLOWING COMPANIES ON MY BEHALF OR TRANSUNION/XXXX XXXX XXXX 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
i see a recent fraudulent inquiry added in my report. Kindly remove it as soon as possible. Thank you. 

XXXXXXXX XXXX XXXX  inquiry date XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i see a recent fraudulent inquiry added in my report. Kindly remove it as soon as possible. Thank you. 

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 2024-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
They ( United Wholesale Mortgage ) responded once then would never respond, then sold the mortgage to XXXX XXXX. 

They committed fraud by deception, am attempting to find legal aid to pursue them.

Company response to consumer: Closed with explanation