vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-22 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: TX

Complaint narrative:
The account XXXX XXXX on my credit report was scheduled for removal after XXXX years, in line with the FCRA regulations XXXX To my concern, XXXX and XXXX have diligently followed this timeline and removed the aforementioned account in XXXX of XXXX. 

However, TransUnion has failed to align with this standard and has not taken the necessary steps to remove the account, indicating a clear violation of the FCRA. 

I urge TransUnion to rectify this discrepancy promptly by initiating the removal of the specified account from my credit report, aligning with the FCRA guidelines. 

Your immediate attention to this matter is crucial in ensuring compliance with federal regulations and preventing any further complications. I trust that TransUnion will take swift action to resolve this issue and provide confirmation of the removal within 7 days being that this is overdue. 

Thank you for your prompt 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 non-monetary relief
Consumer complaint received 2024-01-22 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: PA

Complaint narrative:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed 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 2024-01-22 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: MD

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: CA

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: DE

Complaint narrative:
Kindly update my account this causing me a lot of stress and 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 2024-01-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have attached documents for your review. Please initiate an investigation into these accounts as I am never late, yet they are inaccurately reported as such.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: MA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts 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 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 of 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 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
see last note. After a second rep loked up what 2 factor identification is, I was told that it is not offered on the L.L. Bean Citibank Mastcard 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 2024-01-22 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: FL

Complaint narrative:
I'm disputing accuracy in XX/XX/2023 I was not late XXXX ( XXXXXXXX XXXX XXXX ) agrees they did not report but they are XXXX need to be cleard of late ..also XX/XX/XXXX I was involved ina. car accident the car was a total Loss XXXX XXXX XXXX from other party paid out for the car to them.on XX/XX/2023 XXXX stop reporting me as of XX/XX/XXXX as I have no business with them anymore in XXXX they failed to answer to XXXX for my dispute in the allowable 30 days Nd was removed from my credit report and now it's has reappeard with multiple in accuracy, balance is incorrect, month of XXXX is still on and now for month reporting it's showing XXXX ( no data ) XXXX ( no data ) XXXX ( no data ) this is a lease vehicle I have no business with this company this should not be on my credit report ..they are reporting in accurate..they just tell me to dispute it and nothing is done about this DELETE ACCOUNT THIS IS A LEASE VEHICHLE I HAVE NO BUSINESS WITH XXXX XXXX ANYMOREAS OF XX/XX/2023 SHOULD NOT BE ON MY CREDIT REPORT ESPECIALLY WHEN ITS IN ACCURATE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm disputing accuracy in XX/XX/year> I was not late XXXX ( XXXXXXXX XXXX XXXX XXXX agrees they did not report but they are XXXX need to be cleard of late ..also XX/XX/XXXX I was involved ina. car accident the car was a total Loss XXXX XXXX XXXX from other party paid out for the car to them.on XX/XX/year> XXXX stop reporting me as of XX/XX/XXXX as I have no business with them anymore in XXXX they failed to answer to equifax for my dispute in the allowable 30 days Nd was removed from my credit report and now it's has reappeard with multiple in accuracy, balance is incorrect, month of XXXX is still on and now for month reporting it's showing XXXX ( no data ) XXXX ( no data ) XXXX ( no data ) this is a lease vehicle I have no business with this company this should not be on my credit report ..they are reporting in accurate..they just tell me to dispute it and nothing is done about this DELETE ACCOUNT THIS IS A LEASE VEHICHLE I HAVE NO BUSINESS WITH XXXX XXXX ANYMOREAS OF XX/XX/year> SHOULD NOT BE ON MY CREDIT REPORT ESPECIALLY WHEN ITS IN ACCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: FL

Complaint narrative:
I'm disputing accuracy in XX/XX/2023 I was not late XXXX ( XXXX XXXX XXXXy ) agrees they did not report but they are XXXX need to be cleard of late ..also XX/XX/XXXX I was involved ina. car accident the car was a total Loss XXXX XXXX XXXXXXXX from other party paid out for the car to them.on XX/XX/2023 XXXX stop reporting me as of XX/XX/XXXX as I have no business with them anymore in XXXX they failed to answer to XXXX for my dispute in the allowable 30 days Nd was removed from my credit report and now it's has reappeard with multiple in accuracy, balance is incorrect, month of XXXX is still on and now for month reporting it's showing XXXX ( no data ) XXXX ( no data ) XXXX ( no data ) this is a lease vehicle I have no business with this company this should not be on my credit report ..they are reporting in accurate..they just tell me to dispute it and nothing is done about this DELETE ACCOUNT THIS IS A LEASE VEHICHLE I HAVE NO BUSINESS WITH XXXX XXXX XXXX OF XX/XX/2023 SHOULD NOT BE ON MY CREDIT REPORT ESPECIALLY WHEN ITS IN ACCURATE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: MI

Complaint narrative:
Please see all the attached documents. Do not close this complaint stating it is not me. I am a natural person and consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
I have spent the last six months trying to get my legal name reported on my credit file and these credit bureaus aren't doing anything. There are so many AKA 's listed. I have requested them to remove and after four disputes I got nowhere. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: MT

Complaint narrative:
I have spent the last six months trying to get my legal name reported on my credit file and these credit bureaus aren't doing anything. There are so many AKA 's listed. I have requested them to remove and after four disputes I got nowhere. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
First paycheck they cashed no problem from my employer. Deposited my check last Friday and they put a hold on it until XX/XX/XXXX with NO EXPLANATION. I called, they don't know why, won't release funds. I went to the bank, they said they don't know why and would not release my funds and had no idea why. My employer says on their end, Truist has never even tried to deposit it into their bank!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: PA

Complaint narrative:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed 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 2024-01-22 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: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2024-01-22 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I began a VA loan assumption with Mr. Cooper in XX/XX/. I was immediately aware of their advertised 4-6mo assumption process, but not aware this violated my rights under Regulation Z. They received all the required documents on XX/XX/XXXX. I received complete silence of any information or contact on their end. Over the course of the next month I called on average once a week and had to pry any information or timelines out of their customer service department. After taking it to their escalations department for a second time I was told I will be contacted by a loan officer on XX/XX/XXXX. This puts this above the 30 day ( 45, with notice of extension ) without any written ( email or otherwise ) notice from them. I will likely not have a loan estimate nor closing disclosures sent to me in the timeline required by the CFPB and have been forced to push the closing date to end of XXXX Furthermore, it is clear that Mr. Cooper has done everything in their power to dissuade their customers and borrowers from exercising their right of loan assumption. The examples I've ran into so far are : - Countless warnings of a 4-6 month process because they are " backed up '' and have been since rates increased. 
- A false written statement in their assumptions package : " Please be advised, the loan is not assumable according to the terms of the Note, if an unrelated third party is requesting to assume the debt. '' ( see 1st page, end of paragraph 2, on attached ) - Their escalations department stating my rights are not protected under the CFPB when attempting a credit qualifying assumption. 
- A complete lack of communication on documents needed and timelines for contact or next steps.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
On XXXXXXXX XXXX  a charge in the amount of {$980.00} was made to my Apple Mastercard account held by Goldman Sachs. This charge was made to my account by the Apple.com.us merchant. I never made or authorized this transaction. The transaction has been in dispute resolution with this merchant since then. On my last contact with the credit card company, on XX/XX/XXXX XXXX XXXX  I had a representative of Apple.com/us on the phone with a manager of the credit card company where confirmation that there was no such transaction authorized by me was made. I was promised a resolution within 10 working days of this last contact but no such resolution has been made. This situation appears to exceed any regulatory threshold for complaint resolution. Your assistance in resolving this matter would be appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Carvana Group, LLC
State: WI

Complaint narrative:
My partner and I bought a car through Carvana LLC on XX/XX/XXXX we paid {$17000.00}. Upon receiving the vehicle, after the test drive, and after the vehicle was delivered, we began to notice some issues. When purchasing the car through Carvana, they state that 150 point inspection was completed, but missed the engine sensor indicator as well as 2 fog lights out, and low oil. We called Carvana to voice our concerns, and scheduled an appointment with a mechanic. They found that a leak detection pump needed to be replaced, the axel shaft had rusted and needed to be replaced, brakes were grinding due to rust and that there was a loud pop when turning the wheel to the left ( torn bushing mounts and control arm bushings. All of which should have been found in the initial inspection. 20 days later all oil drained out of vehicle due to a oil filter housing gasket, another {$800.00} visit to the mechanic.

ADDITIONALLY : There is a leak in the vehicle that allows water to enter the cabin during rain or snow melt, filling the passenger side of the vehicle with water. 
6 months after all of these issues on XX/XX/XXXXXXXX  the vehicle stopped running, it is currently sitting at the mechanic, and in need of a new engine totalling another {$11000.00} worth of work. I called Carvana to start a delayed backout, speaking to XXXX of resolutions. We went an entire month without communication. I have made over 20 calls to Resolutions without a single returned call. There was obvious neglect in the initial inspection performed by Carvana LLC. With a rough estimate of $ XXXX worth of total work to make this vehicle safe to drive. Not to mention the amount of distress that this vehicle has caused even before the engine failure. 
XXXX I spoke XXXX in resolutions extensively about our situation. He told that after everything I have described there would be a high likelihood of our case being approved. 
XXXX Denied my claim without speaking to any parties involved. Gaslighting me the whole time. 

I have contacted XXXX ( services the loan ), and they said there was nothing they would do to lower payments/interest rate.

Company response to consumer: Closed with explanation