vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-06 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: OH

Complaint narrative:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding unresolved inaccuracies on my credit report held by TransUnion. Despite my numerous attempts to resolve this issue, including sending certified letters in XXXX and XX/XX/XXXX, the errors remain uncorrected, significantly impacting my life and infringing upon my rights under the Fair Credit Reporting Act ( FCRA ). 
The erroneous information has had a significant impact on my ability to secure employment, obtain credit, purchase a home, and more. For example, I was recently denied a job offer due to the inaccuracies on my credit report. I have also been denied credit for a car loan and a mortgage, which has limited my ability to purchase a home. This has caused me significant financial hardship and XXXX. 

Therefore, I urge the CFPB to intervene and ensure a thorough investigation by TransUnion into the disputed accounts listed below : 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 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 I request the CFPBs assistance in rectifying this matter promptly. Thank you for your attention to this matter.

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 2024-04-05 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: GA

Complaint narrative:
XXXX, XXXX, & Equifax are reporting a bankruptcy that is not correct. XXXX stated that the information was not correct and since removed the information my records so who are the credit bureaus speaking with to verify the this bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX, Experian, & XXXX are reporting a bankruptcy that is not correct. XXXX stated that the information was not correct and since removed the information my records so who are the credit bureaus speaking with to verify the this bankruptcy.

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 2024-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ZWICKER & ASSOCIATES
State: GA

Complaint narrative:
Received a Court looking document in a envelope that was from my credit union who holds my mortgage to my old address that is not used by the credit union. Hasnt been for over 2 years. It references a garnishment case ( no number on it ) that does not exist in the superior court system as stated. I have no money in that credit union and they cant garnish social security or government pension. XXXX XXXX  was charged off over two years ago. The unofficial document claims to have been filed with superior court. Which it is not. No case number. No clerk stamp. The signature on the document doesnt belong to any employee at the credit union . I have received other collections statements from collection agencies the claim to try to collect debt for XXXX XXXX but will not provide account details.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
My mortgage company incorrectly reported my account as delinquent. This has since been resolved, I contacted Lowes credit card to dispute my account closure and send a copy of the letter I received from my mortgage company indicates the error has been reported to the credit bureaus. The Lowes representative incorrectly advise me that credit limits abs approvals are set by the credit bureau. As this information is inaccurate I requested to speak to a supervisor. The supervisor confirmed as I knew the credit card company decided credit worthiness and limits. She indicated she would dispute this for me and if additional information was needed I would be contacted. Instead I got a letter indicating this was based on XXXX reporting and increase use of credit card. I recently remodeled my sons room and purchase new floors. This is separate and apart from the mortgage company error and should not be viewed and coinciding situations. 

I have had an 100 % payment on my credit cards for several years! Based on one negative marking which is an error this account was closed which I believe is unfair practices and further damages my credit rating and worthiness based on an error.

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 2024-04-05 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: IL

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am notifying you that this item has originated from identity theft. This item has been reported to the Federal Trade Commission and is pending investigation.

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 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I just pulled a copy of my credit report and I noticed my personal information is being inaccurately reported and I need you guys to modify and update my information. Lenders are having a hard time verifying who I am because of the information you guys have of me. According to the Law, it is required that you report correct personal information within my consumer report, and it must be deleted and/or updated within my credit file, or you are willfully violating the civil liability section of the Fair Credit Reporting Act, 15 U.S. Code 1681n.

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 2024-04-05 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:
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 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My score on Experian was noy showing on my report. Please update my score on Experian and delete all inaccurate info on 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 2024-04-05 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: TX

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: PR

Complaint narrative:
SPS demanded full payment dismissing my dispute initially in 12 months - for an amount that exceeded {$300000.00} - and then adjusting to 24 months and refusing to adjust to 36 months by employing tactics of requesting in bad faith unneeded and repeated information that I exhaustively provided and putting in peril my home retention. The file is voluminous and will demonstrate the bad faith observed in this never ending process. They mistakenly paid property taxes for semesters a prior service bank had paid and for taxes interest and penalties that could have been avoided if paid under an amnesty that I had repeatedly plea for them to use. They then harassed me demanding the full payment they mistakenly paid to the tax revenue office XXXX in 12 months. Then in 24 months and have refused to consider 36 months. I dispute being obliged to pay such taxes in arrears. That was the bank obligation to pay with the escrow they collected from me. SPS fail to audit any tax debt before they took over the servicing from XXXX XXXX XXXX XXXX. So all this errors mistakes and omissions they want to pay for in full and interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Credit 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I, XXXX XXXX, contacted Wells Fargo Bank on XX/XX/2024 to find the status of two separate disputes filed, one with XXXX claim XXXX and the second with XXXX XXXX XXXX XXXX claim XXXX. In both cases the agent admitted that the disputes had been mishandled. With XXXX numerous pages of documentation have been emailed and faxed to Wells Fargo. The agent said it had been given to a specialist for being over {$3000.00} when the amount in dispute was less than {$3000.00}. 
In the case of XXXX XXXX XXXX XXXX it should have been filed as work never done instead it was filed as services not as expected.

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 2024-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I just pulled a copy of my credit report and I noticed my personal information is being inaccurately reported and I need you guys to modify and update my information. Lenders are having a hard time verifying who I am because of the information you guys have of me. According to the Law, it is required that you report correct personal information within my consumer report, and it must be deleted and/or updated within my credit file, or you are willfully violating the civil liability section of the Fair Credit Reporting Act, 15 U.S. Code 1681n.

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 2024-04-06 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: 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. 

Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/2023 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 XXXXXXXX XX/XX/2023 XXXX 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 2024-04-06 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: GA

Complaint narrative:
TransUnion and XXXX are both reporting an alleged collection that is accurate : they have provided no evidence to prove that this collection belong to me.d I demand that they both produce the documents they used to verify this information.

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 2024-04-06 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: TX

Complaint narrative:
I am writing to follow up on the letters I sent on XXXX XXXX XXXX  regarding the unknown inquiries on my account. Unfortunately, it seems that the issues have not been resolved yet. I kindly request your assistance in looking into this matter and taking the necessary steps to have these inquiries removed. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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: GOLDMAN SACHS BANK USA
State: MN

Complaint narrative:
I asked you TWICE to investigate this account you FAILED to do TWICE. You lied to me saying you investigated and there was no error. This account was charged off XX/XX/year>, since then this account has been charged off every month. This FALSE and INACCURATE information MANIPULATES the statute of limitations. 
RE-AGING the account is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-06 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: TX

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
In XXXX I made a purchase of the software on-line. The software does not work and the developer has not provided license key or activation code. On top of that developer and the Vendor failed to reply to my multiple messages. As a result of this I requested a full refund from HUNTINGTON BANK. I have also delivered copies of Emails sent to the vendor ( Asking for help to resolve th eproblem ). After 2 months investigation I was informed that the case is resolved in my favor. I have also received official phone call confirming the case resolved and closed. 
XXXX after the confirmation I noticed that the Huntington Bank reapplied again the same charges to my account. As an reaction to the SCAM I immediately withdrowed all my funds leavling account at around {$100.00} ballance. After the purchase charges were re-applied, my account shows negative balance. 
In recent years ( after TCF bank became Huntington Bank ) I have nothing but problems with this institution and I am about to close my account. Prior to closing however I demand to correct the situation with the founds. This case should ber classified as SCAM. I officially refuse to pay and ballance or fees related the the transaction in question!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian is completely and inaccurate reporting my credit and my accounts. On their website, they are reporting my credit report has not been updated. When looking on the XXXX, and XXXX reports, my credit score is complete different. This is a violation of the FCRA. And I am seeking legal action. 

They do not stay consistent with information and they are inaccurately reporting.

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