vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I called the credit reporting agencies and let them know that the account from XXXX XXXX they're reporting is inaccurate and it shouldn't be there. I have proof that the account is not mine and it has to be deleted from my credit report. Below is a letter that shows what I'm writing is true. I have been trying to resolve this matter since 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 2023-05-24 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of Accounts below has violated my federally protected consumer rights 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 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 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 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 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I called to the credit reporting agency and let them know that XXXX XXXX XXXX account shouldn't be in credit report. I never gave them any written consent to report them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I have a mortgage being serviced by Shellpoint Shellpoint Mortgage Servicing XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX There are multiple properties securing the loan, and I am trying to get a release ( payoff ) for XXXX of the properties since XX/XX/XXXX. Initially they gave me a payoff XX/XX/XXXX, but it was for someone else loan ( it had all their personal identifying info on it ). I since have been trying for a whole month to get a payoff, and I have no luck. They say they are waiting on the investor to give them the information. I try to call at least XXXX  times a week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: 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. 

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 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 2023-05-24 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to request your assistance in enforcing the Fair Credit Reporting Act ( FCRA ) and to urge the credit bureaus involved to provide proof of all investigations and results concerning the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Despite multiple attempts, I have been unable to obtain the necessary information and documentation from the credit bureaus regarding their investigations into the unauthorized inquiries on my credit report. I have specifically requested that the credit bureaus provide proof of the investigations conducted and the results obtained from each of the aforementioned creditors, in accordance with the provisions of the FCRA. 

To address this issue effectively and ensure compliance with the FCRA, I kindly request that you : Notify the credit bureaus of their obligations : Please inform the credit bureaus involved of their legal obligations under the FCRA to conduct thorough investigations and provide documented proof of their investigations, including the specific inquiries made by the mentioned creditors and the outcomes of those investigations. 
Enforce compliance : If the credit bureaus fail to comply with their obligations under the FCRA or provide satisfactory evidence of the investigations and results, I urge you to take appropriate enforcement action against them to ensure that they uphold their responsibilities and protect consumer rights. 
Advocate for transparency : Please emphasize the importance of transparency in the credit reporting system by urging the credit bureaus to promptly provide me with the requested proof of investigations and results, as per my previous requests. Transparency is essential to maintain consumer confidence and uphold the principles of fairness and accuracy in credit reporting. 
I believe that by enforcing the FCRA and compelling the credit bureaus to provide the necessary documentation, we can effectively address the unauthorized inquiries on my credit report and ensure that the credit reporting system operates in a manner that protects consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25 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: 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. 

XXXX XXXX : XXXXXXXX XXXX XXXX XXXX : XXXX, XXXXXXXX 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 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 2023-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Bankruptcy on credit report from credit bureaus, however, this information can not be verified because bankruptcy court does not verify with 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 2023-05-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: CO

Complaint narrative:
I paod my AT & T fully with XXXX XXXX and now im being harassed with another company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Bankruptcy is on my credit report. I need this removed because it has not and can not be verified. Bankruptcy court does not verify bankruptcies with credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I was on the XXXX gaming site on XX/XX/2023 from XXXX XXXX  to roughly XXXX XXXX. I warn XXXX dollars and closed the application. The next day I logged into my Chime account so see if the winnings was deposited. In disbelief and lost I panicked and call chime. I was told the transactions was still pending and to reach out to the merchant. I did exactly that and was told that I broke the law by allowing minors to access the gaming site. I dont know of any parent allowing their children to gamble and exhaust all of their finances. 
Once the transactions cleared as paid I contacted chime again. I forwarded the emails between me and the merchant. Again clearly I did not authorize or give access to the gaming site. On the XXXX of XXXX I received a determination that the transactions are accurate. I asked for a copy of the information used in the decision. Finally I receive the information and it only included the transaction history. My emails wasnt included nor was there any communication with the merchant. I filed a rebuttal and was told by the XXXX of XXXX I would receive and provisional credit. Sad to say today the XXXX I get a email stating the claim is closed and I wont receive a credit or my money back. 
I cant express this enough I didnt nor would ever allow and minors to break the law, especially at my expense. I did not authorize any transactions after I cashed out. I opened another rebuttal today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
Upon checking my credit report I noticed that a fraudulent collection account was placed on my credit report. The collection company is called XXXX XXXX XXXX ( XXXX ) for {$72.00}. I called the company but they could not verify anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25 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 — Problem with personal statement of dispute
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy Federal Credit Union is report to the Credit bureaus that this account is a charge-off, i pay a XXXX a month on this account, and it's not reflecting that, it shows a negative reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have a home equity line of credit at XXXX XXXX XXXX XXXX XXXX 

The account has been paid monthly by me for the past seven years timely paid. 

The XX/XX/2022, payment was made by me on XX/XX/2022. It was made by me as a direct online transfer from my XXXX checking account to my XXXX XXXX credit line account. By the express language of the online payment confirmation this payment was Immediate- effective immediately. I have attached a copy of both the Transfer History, Exhibit A, and the Transfer Detail Exhibit B, both for this payment, and both of which are XXXX generated, which show : Transfer History ( Exhibit A ) shows 1 ) Payment into my account credit line XXXX XXXX ) XX/XX/2022 Payment amount {$350.00} ( only {$330.00} was due ) 3 ) Payment Date XX/XX/2022 And Transfer Detail which has 1 ) The bank confirmation number for the transaction XXXX XXXX ) The transfer being from my XXXX Simple Checking XXXX to my credit line XXXX XXXX ) The Amount {$350.00} 4 ) the Type of Transfer-immediate and 5 ) the Transfer Date of the immediate transfer- XX/XX/2022 As the payment was due on XX/XX/2022, and as it was made, effective immediately, on XX/XX/2022, it was paid on the 29th day and thus was not more than 30 days past due. This should not have been reported to the credit bureaus by XXXX XXXX and when the credit bureaus received my dispute and reviewed it, all three of them should have removed this reporting error immediately.

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 2023-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I was told by Apple that my XXXX  account was banned. I was not told why this happened, but I could no longer access my account. I applied to an Apple Card and now I no longer can pay my bills or use the card online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Innovative Funding Services, L.L.C.
State: NY

Complaint narrative:
I received an offer through XXXX XXXX for an auto loan by Tresl. According to the site, I have an outstanding chance of approval for a refinance of $ XXXX at 5.42 % interest over an 84 month term. Upon applying for the loan, the lender did a hard inquiry on my credit and told me the numbers that were advertised were way off. The new monthly payment would be $ XXXX and interest would instead be near 8 % over an 84 month term. This was false advertising that cost me time and a penalty to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I XXXX XXXX, have noticed that there is information on my consumer report that is a result of identity theft. I did not authorize nor provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on a basis of a material misrepresentation of fact by me relevant to the request to block then identified transactions. The identified transactions are not information related to any transaction by me, as the consumer. 

You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date oof the receipt of this notice. I look forward to your response. 

Thank you! 
Sincerely, 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 2023-05-25 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: CA

Complaint narrative:
I am a victim of identity theft and someone used my information to obtain a credit card with this XXXX XXXX. I have contacted XXXX XXXX and spoke to a fraud specialist that told me this account was already closed due to fraud and it should of been deleted from XXXX, Transunion and XXXX. I have also contacted these 3 bureaus and submitted my fraud affidavit for removal. The account reports as XXXX XXXX date opened XX/XX/2021 partial account # 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 2023-05-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was supposed to buy a vehicle from a dealer then we didnt reach an agreement regarding availability of vehicles and price The sales rep they were hiding the car that I wanted and tried to sell me different that I didnt like So I texted the sales rep and told them to not run my credit report anymore. 
But they kept doing it until they get me declined with my own bank whenever Ive found the best deal Now am getting denied everywhere because I have too many inquiries So I couldnt buy the vehicle that I wanted

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 2023-05-24 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: Stellantis Financial Services US Corp.
State: TX

Complaint narrative:
I was supposed to buy a vehicle from a dealer then we didnt reach an agreement regarding availability of vehicles and price The sales rep they were hiding the car that I wanted and tried to sell me different that I didnt like So I texted the sales rep and told them to not run my credit report anymore. 
But they kept doing it until they get me declined with my own bank whenever Ive found the best deal Now am getting denied everywhere because I have too many inquiries So I couldnt buy the vehicle that I wanted

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 2023-05-25 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: EQUIFAX, INC.
State: MS

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 Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : 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 an 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Bankruptcy on credit report that can not and has not been verified because bankruptcy courts do not verify bankruptcies with 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 explanation