vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern, This is a report about multiple violations of law by consumer reporting agencies such as XXXX, TransUnion and XXXX such as 1. 15 U.S Code 1681a ( 2 ) ( A ) ( i ) : reported information can not be only transactions and experiences between the consumer and the company.

2. 15 U.S Code 1681a ( 2 ) ( A ) ( iii ) : the consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the Gramm-Leach Bliley Act.

3. 15 U.S Code 1681a ( 2 ) ( B ) : if a transaction was authorized by a social security card, the real credit card first defined understand the Truth In Landing Act, this transaction must be excluded from a consumer credit report.

4. 15 U.S Code 1681b ( a ) ( 2 ) : consumer reporting agencies need written instruction to make a consumer report by the consumer. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report.

5. 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) : Unauthorized inquiries. 

The above violations were made in relation to the following accounts and must be corrected : 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

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 2023-07-24 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-07-24 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: FL

Complaint narrative:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-07-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

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 2023-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/2023, I applied for a new credit card from Citi Online. At the application window, it promised me that I was approved for a {$14000.00} amount. It also showed that I was instantly approved for {$3500.00} and the remaining will be approved in 17 days. As of XX/XX/2023, way beyond 17 days, when I went to check my credit limit online, it shows that I was only approved for {$3500.00} and not a XXXX more. 

Citi promises to show you at the approval and application window for getting higher limit credit approval to get you to sign up for the Citi Diamond Preferred Credit Card and then do not deliver on those promises ( false advertising of showing higher credit limit approvals ). Nothing drastic has changed on my credit score or anything for this to happen.

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 2023-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial. I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ) outlining this issue and seeking resolution.

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 2023-07-24 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial. I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ) outlining this issue and seeking resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: 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.

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 2023-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.

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 2023-07-24 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-07-24 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
This account does not belong to me the social security number is not mine this a fraudulent account thats being reported to XXXX under my name and different social fraudulently I have reached out to XXXX as well as debtors both have not corrected this fraudulent information for account WFXXXX discount that begins or ends with 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 2023-07-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: V and H Portfolio
State: CA

Complaint narrative:
XXXX and XXXX XXXX reported information on my credit report for XXXX XXXX on XX/XX/XXXX and for loanme on XX/XX/XXXX without following the debt related information ( 12 CFR 1006.34 ( c ) ( 2 ) ( I ) - ( v ) ; 34 ( c ) ( 2 ) ( ic ) and itemization related information ( 12 CFR 1006.34 ( c ) ( 2 ) ( vi ) - ( viii ) and consumer response information ( 12 CFR 1006.34 ( c ) ( 4 ). I never received anything from the debt collector, however the debt appeared on my credit report without my knowledge. No debt validation letter or no debt verification letter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: 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.

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 2023-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
Specialized loan services has incorrectly messed up my escrow balance and tax payments for several years. To the point that my house ended up in tax sale because they didn't pay my taxes accurately or on time. This year they have drastically messed up my escrow balance once again. They had my taxes listed as semi annually instead of annually causing me to be XXXX deficient in my escrow trying to charge me double my mortgage payment. I caught on to this and after several phone calls they sent a new statement still showing I was incorrectly short XXXX. I tried to call several times and was on long hold times in excess of 2 plus hours waiting to speak to someone helpful. I resulted in sending communication through the email exchange since I was on hold so long. I still cant make a payment on my mortgage on XXXX sine my payment is completely inaccurate and my escrow balance is still incorrect.

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 2023-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
J.P. Morgan Chase has a bank account for a scamming lease-to-own company called XXXX XXXX XXXX ( XXXX XXXX XXXX The owner of XXXX is XXXX XXXX. XXXX XXXX pressed my husband and I for {$5000.00} to complete our lease-purchase on a home. We sent the funds to XXXX via his XXXX Chase business bank account on XXXX XXXX. XXXX never sent the funds to the homeowner. We were completely unaware of this until XX/XX/2023. Upon further research, XXXX completely deleted the business webpage ( XXXX  ) and renamed his business XXXX XXXX XXXX. We reached out to Chases owner regarding the ongoing fraudulent activity, but did not get any response. Upon further review, XXXX XXXX has been sued and arrested for scamming several tens of thousands of dollars from individuals looking to purchase a home, that would not normally qualify a home loan. XXXX had the home listing on major home buying sites and a legitimate webpage. Chase has made not attempt to rectify this situation or retrieve the funds that were scammed out of us. This has been an ongoing issue that XXXX has presented to many people and has used Chase Bank to retrieve the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: GA

Complaint narrative:
to whom it concerns, I have moved over the last few years because of harassments in local area. 
After being over charged and given outrageous premiums for insurance, I questioned what sources they are looking at and I was told lexisNexis out of XXXX GA. 
I contacted them out of concern and they told me they can only do one thing and that is to send me a copy of my report.

When I received the report i was in shock, they have been keeping data on me and sharing personal information on me for 30 years. 
This can not even be legal. This looks like a life time social credit score on me. 
I want this information taken off their records and allow them to keep the legal amount of years which I believe is 7 years. 
Please advise me how to go forward and receive fair treatment by insurance and other companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: NY

Complaint narrative:
XXXX XXXX XXXX 
I received a copy of my credit report and I see that this erroneous information is still on my credit report. I am reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$12000.00}. According to FRA, I have the right to an accurate credit report. This is stopping me for getting ahead in life and hindering me from job employment and getting a home. 
I sent this to all 3 credit bureau and they didnt do anything to help 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 2023-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rozlin Financial Group, Inc.
State: WI

Complaint narrative:
On XXXX XXXX I called RFGI about a letter in the mail to collect debt for XXXX  XXXX XXXX and now XXXX XXXX XXXX, XXXX for {$2300.00} for claim from XXXX XXXX. The representative told me I could only talk to her by giving her my SSN or DOB and would hang up if I didnt. After giving my DOB, she laughed at me saying because of HIPAA she can see my full SSN, DOB, and email address. Then said she can see where my insurance company denied the full amount for XXXX XXXX XXXX and the statement of claim they sent me. When I asked for all this to be sent to my house she only sent a letter that looks like it was made on XXXX word for a service on XXXX XXXX. I got the letter on Saturday XXXX XXXX and no copy of the statement of claims she said she saw was included. I called my insurance company on XXXX XXXX and they said they have my statement of claim that shows they covered it and that I am only to be billed {$710.00}. The RFGI representative lied to me about having a copy of a statement of claim from my insurance denying coverage to get me to pay the full amount. 
This item was suppose to be only the amount covered by insurance and no cost to the patient. XXXX XXXX XXXX is now out of business and XXXX XXXX XXXX bought out patient information. Now they want the money I was never suppose to owe.

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 2023-07-24 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: PA

Complaint narrative:
I have file a dispute on XX/XX/2023 to all 3 credit bureau. About the inaccuracies on my credit report for {$910.00} XXXX XXXX. Equifax responses back saying the account were updated. Which they werent. They said all information is correct. I resubmitted another dispute showing all of the inaccuracies for that account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 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: AR

Complaint narrative:
XX/XX/2023 I requested corrections be made to my reports. The errors were not fixed and I have not heard from them within period required by law.

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