vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-15 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, *Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 XXXX 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See attached documents. Remove this personal information that does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 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: IL

Complaint narrative:
The credit reporting agency is reporting a bankruptcy on my credit report and they have put in the date of furnisher as being the US Bankruptcy XXXX XXXX XXXX XXXXXXXX XXXX XXXX, which is false. I have attached a letter from the US Bankruptcy XXXX XXXX XXXX XXXXXXXX XXXX XXXX verifying and stating that they do not furnish information over to the credit reporting agencies nor do they verify or validate any information concerning bankruptcy. This is falsely stating this information on my credit report and have yet to 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 2023-06-15 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
Applied for a Title loan with TitleMax. We were approved for {$1100.00} only. The Employee that handle our paperwork however, lied to us about the interest rate. We were told there was no interest rate and that we would only have to pay the {$1100.00} back and late fees if we were late making a payment. We signed a paper contract with the employee. We continued to pay the company every month since XX/XX/2022. We ended up overpaying the company {$1200.00}, however our account balance never went down it remained the same. The employee who handle our paperwork, ended up leaving the company and there were several other complaints from other customers about the same thing. We were informed of this by other employees at the company. We have been receiving harassing phone calls, threatening to repossess our vehicle. We were told by one employee that they had a 300 % interest rate, and told by another that the interest rate was 15 %. We were bidded into this contract under false pretenses. We also spoke to an employee today via telephone and she informed us that our signatures wasn't on any of the paperwork. So basically we have been overpaying for months and being harassed for months from a company that doesn't even have any paperwork on us. We made payments online and in-person. We just really need help because the money we have been giving them could've been used on our XXXX children or us moving and finding a place. We are now on the verge of being homeless because we had to pay this company because we needed our vehicle for our children and our own personal health reasons as well. I've inserted screenshots of payments made on line from the Titlemax, the other payments were made in-person and paid in cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am requesting that you take appropriate action to investigate and remove them 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 2023-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
Chase Bank mailed my debit card to an address I never gave, where it was immediately activated and used by someone who withdrew all the money in my checking and savings accounts. On XX/XX/23, I received a call from XXXX. The man said his name was XXXX XXXX and he was with Chase Bank Fraud Protection. He said he tried to call me on their main line of XXXX and asked if the number had been blocked in my phone. He stated there was an alert on my debit card and asked if I had bought concert tickets in XXXXXXXX XXXX When I told him I did not, he reported that he would close my debit card and mail me a new one. He asked my mailing address ( I confirmed that it is in XXXX XXXX XXXX ), and he told me I would receive a new debit card. He said if I wanted it delivered the next day ( XX/XX/23 ), they would waive the expedited delivery fee. 

Today ( XX/XX/23 ), I saw on my account that on XX/XX/23, someone activated the new debit card and made XXXX fraudulent withdrawals and XXXX fraudulent debit transactions from my checking account and XXXX fraudulent withdrawals from my savings account, all of which were in XXXX, XXXX. When I called XXXX at XXXX, they closed the debit card again and will refund the fraudulent charges. They confirmed that a XXXX XXXX XXXX representative had indeed mailed the new card on XX/XX/23 to a different address from the XXXX in my account, which must have been a clerical error, but could not account for why it was mailed to a totally different address where it was immediately used for fraudulent purchases.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Made a payment with my XXXX XXXX  for my travel needs and when I made a payment I was told by representative that helped me with my payment stated it will reflect on my account in 2 days. I followed up 2 days after which was XX/XX/23 and was told that they can not release the hold till 7 days!! I was advised that they can escalate due to I was misinformed of the rep that took my payment regarding payment process and send a proof of payment which was sent to secured messaging. I asked to speak to a supervisor to help me escalate my problem and confirmed thats they received my proof of payment. I tried to follow up again regarding payment and unfortunately the supervisor that helped cant do anythIng to help! Out of the 3 supervisors I talked to only one had the compassionate and understands my situation. I am leaving in a few days for vacation and still no response!! Very poor customer service!!!

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 2023-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
This is a medical collection that is being reported illegally on my credit report. This is violating my privacy and HIPAA law. I would like for this account to be removed from my credit profile within thirty ( 30 ) days from today or you are opening yourself up for litigation. 


Merchants Credit Guide ( XXXX XXXX XXXX ) Opened on XX/XX/2023 XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 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:
in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been working on my Equifax credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted is XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX and there is XXXX XXXX XXXX XXXX XXXX, MA XXXX. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( EQUIFAX, XXXX, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc.
State: GA

Complaint narrative:
Lci/XXXX is reporting 3 bankruptcies that have been verified by XXXXXXXX XXXX i do not have

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jim Bottin Enterprises, Inc
State: FL

Complaint narrative:
XXXX gym had a membership of of which I sent certified letter stating I was relocating and would not be close to a gym. They never accepted the certified letter. A few months ago a collection agency is attempting to exhort me for {$290.00} or damage my credit. They don't even have the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been working on my Experian credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX and there is XXXX XXXX  XXXX XXXX # XXXX XXXX, IL XXXX XXXX Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I had a friend refer me to American Express Hilton card thinking I was going to receive XXXX points and XXXX points to my friend if I had sign up I had tried to and it did not allow me to get the points. I also tried calling the company. They told me that because I did it on the website I was not eligible to receive the points. That was one of the reasons why I wanted to go with this American Express card any questions please dont hesitate to call XXXX thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: IL

Complaint narrative:
This is a medical collection that is being reported illegally on my credit report. This is violating my privacy and HIPAA law. I would like for this account to be removed from my credit profile within thirty ( 30 ) days from today or you are opening yourself up for litigation. 

XXXX XXXX XXXX ( XXXX XXXX XXXX ) Opened on XX/XX/2023 2023

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 2023-06-15 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: IL

Complaint narrative:
This is a medical collection that is being reported illegally on my credit report. This is violating my privacy and HIPAA law. I would like for this account to be removed from my credit profile within thirty ( 30 ) days from today or you are opening yourself up for litigation. 

XXXX XXXX XXXX ( XXXX XXXX XXXX ) Opened on XX/XX/2023 2023

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 2023-06-15 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: FL

Complaint narrative:
I have contacted Transunion about these unverified and unauthorized inquiries. yet it still remains on my file. 
Hard Inquiries 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 2023-06-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Applied Data Finance, LLC
State: AZ

Complaint narrative:
They disclosed all information to a relative i.e. my personal information Date of Birth, SSN, amount owed and didn't try to verify any information without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: KY

Complaint narrative:
I was the victim of stolen identity. The person successfully opened up a credit card account with Barclays Bank Delaware. I use XXXX to assist in identity theft. We contacted Barclay Bank Delaware to report that this was fraud and dispute this unauthorized account. They first said that they have successfully closed the account. However, they could not confirm the account was closed, so I asked to speak to a supervisor. They refused to allow me to speak to a supervisor until I provide my name, phone number and social security number. I was willing to provide my name and phone number but was not comfortable to provide my social security number to the agent. I repeatedly requested to speak to a supervisor, and they continued to refuse. I have not received any information indicating that the account has been closed and removed 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 explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
One Main Financial contacted me XXXX  times yesterday. Then today they contacted me XXXX times in under XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late.

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