vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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 2024-01-03 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: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I applied for an American Express business card to use for my business and I got declined. I provided my ein and LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: TN

Complaint narrative:
I have hard inquiries from XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I have reached out to all companies closed accounts and sent information to all 3 credit bureaus they refused to remove false information which is destroying my livelihood, I also have placed fraud protection on my report and they refused to 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 2024-01-03 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: TN

Complaint narrative:
I have hard inquiries from XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX I have reached out to all companies closed accounts and sent information to all 3 credit bureaus they refused to remove false information which is destroying my livelihood, I also have placed fraud protection on my report and they refused to 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 2024-01-03 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: CA

Complaint narrative:
I am submitting this complaint after reviewing a copy of my credit report. I noticed that there are some fraudulent inquiries listed on my credit report. There is inaccurate employment information reporting. I have attempted to resolve this matter with the credit reporting agency but they have been negligent in complying with my request.

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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 : XXXXl XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # 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

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 2024-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
I have on 2 occasions tried to discuss repayment and lowering the amount. They have it set based on income and if I could afford to use all my check to pay this loan I wouldn't have taken a loan in the 1st place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Grain Technology, Inc.
State: OK

Complaint narrative:
I emailed grain technology on XXXX to update my new financial institution account and routing number. I was told no initially, I advised the account is closed and I need to update the records. Again I was told no, finally I told them I will seek legal representation to resolve this and I was then told to give them proof. I submitted the last 60 days of pay stubs that show the last 4 of my bank account, again I was told no. They do not accept pay stubs as proof they asked for bank statements to be emailed to them for proof. I objected due to non secure data transmission. They again said no. I then advised to issue a 1099-c and to close all accounting information and stop any continued damage to my credit report or allow me to verify via plaid with my bank so it is secure. I dont know if this a real company person or if my account and any other PID is being protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am disappointed that my information have been compromised by identity theft.I am trying to buy a home for me and my family and this has put a serious hold on the process.By the FCRA, 15USC 1681 G my information should be safe and secure and i see its not.My information has also been in a breach.This is a defemation of my character and causing emotional stress on me.Identity Theft is not far and the credit reporting agencies can be sued for having damages on my credit report. There are also some addresses and inquiries that i want to report that i see happened during the identity theft.I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: MI

Complaint narrative:
I am disappointed that my information have been compromised by identity theft.I am trying to buy a home for me and my family and this has put a serious hold on the process.By the FCRA, 15USC 1681 G my information should be safe and secure and i see its not.My information has also been in a breach.This is a defemation of my character and causing emotional stress on me.Identity Theft is not far and the credit reporting agencies can be sued for having damages on my credit report. There are also some addresses and inquiries that i want to report that i see happened during the identity theft.I feel your database is inaccurate and I am filing ligation against this if these items arent removed 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 explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
The debt collector failed to send communication regarding the debt, introduction of who they are, what the debt is for, and my right to dispute. They just appeared on my credit report without notice. They must abide by the regulations and validate the debt. This has not been done. How did this debt collector, even have access to my credit report without the proper protocols and regulations?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Army and Air Force Exchange Service
State: NC

Complaint narrative:
THIS HAS BEEN GOING ON SEVERAL MONTHS, MAYBE 2-3 YEARS BUT THE DEBT IS NOT BEING LOWERED BY PAYMENTS TAKEN FROM MY SOCIAL SECURITY CHECK. THIS HURTING ME CAUSING ME TO HAVE TO TAKE A JOB TO EAT. 
MY HUSBAND IS A XXXX XXXX XXXXXXXX VETERAN AND IS XXXX XXXX XXXX AND I AM XXXX XXXX XXXX. WE ARE BOTH IN POOR HEALTH.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
THIS ACCOUNT HAVE NO MONTHLY HISTORICAL DATA YET PLACED IN COLLECTION BY NOTE? WHEN DID THE ACCOUNT GO INTO " ALLEGED COLLECTION ''? WHERE IS THE MONTHLY INFORMATION? ACCORDING TO COMPLIANCE PROTOCOL YOU MUST DELETE 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 2024-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
Received debt collections from grant mercantile agency regarding a supposed medical bill that wasnt paid. I verified with my medical insurance and their third party payment processing company that the bill has been paid. I contacted XXXX mercantile with proof via email that the debt has been paid through medical insurance and they have not responded to my emails with included receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

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 2024-01-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
Debt Recovery Solutions is not licensed to collect in the state of Texas. I have requested validation of this debt and have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: TN

Complaint narrative:
I have hard inquiries from XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX I have reached out to all companies closed accounts and sent information to all 3 credit bureaus they refused to remove false information which is destroying my livelihood, I also have placed fraud protection on my report and they refused to help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: FL

Complaint narrative:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have suffered harm due to TransUnion 's failure to accurately report information about me,, as a consumer. I firmly assert my right to seek redress in the amount of {$1500.00}. Despite having submitted dispute letters three to four times to rectify the inaccuracies in my personal information, TransUnion has yet to comply. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to monetary relief, and I expect prompt resolution of this matter ... ... ... ... ... ... ... ... ... ... ... ... .Thursday, XX/XX/2023 TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX RE : Personal Information Update Request To Whom It May Concern : I am writing for the second time to update my personal information as per my rights under 15 USC 1681 ( a ) ( 4 ). It is imperative that consumer reporting agencies exercise their responsibilities fairly, impartially, and with a strong regard for consumers ' privacy rights. 



I hereby request the removal of all personal identifiable information from my consumer credit report, excluding the following : I respectfully request the elimination of outdated addresses, as I am unable to receive mail or correspondences at these locations. Please replace them with the address mentioned above. 



My sole phone number is Kindly eliminate any other phone numbers associated with my report. 



For privacy reasons, I demand the removal of my social security number and date of birth from display on the credit file. Additionally, I request the deletion of all information within the employer section. 



In accordance with the FAIR CREDIT REPORTING ACT, 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer with an inherent right to privacy. Failing to honor my rights would be a direct violation of 15 USC 1681 and its subsections. 



Upon completion of the requested changes, please provide an updated credit report to the contact information indicated below :

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 2024-01-03 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: NC

Complaint narrative:
I have identified information that appears on my consumer report that is a result of identity theft : XXXX XXXX : Account number : XXXX - item reporting with out account number and not mine XXXX XXXX XXXX : Inquiry : XX/XX/2023 - unauthorized inquiry and 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 2024-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: HI

Complaint narrative:
I received an email today XX/XX/XXXX from Coinbase to log in and provide my drivers license. I did so and promptly received an Account Closure email without any way to contact them as to why and how to get my money out- which was invested in XXXX XXXX. The only way they will help you is if you sign in to your account- which I can not do since they deleted the whole thing! I even tried a support email address from XXXX and it only returned a no-reply email saying I have to log in to contact them. Screen shots have been provided with this complaint. 

Today XX/XX/XXXX I also tried to create a new account and it too was immediately closed. I had originally invested {$500.00} in XXXX XXXX in XXXX and my last balance today XX/XX/XXXX was around {$210.00} ( which fluctuates constantly ). My bank information was connected and I want to sell the position and have my remaining funds returned to me. As well I need to be provided with my tax documents related to selling the position. 

They intentionally have obscured their contact information behind a website that I can not log into. Their XXXX # only directs you to log in and use the " chat '' feature. Thank God I am not in for thousands of dollars but any amount of wrongfully closing the account and taking the money is WRONG. 

Please help me get my funds back as a legal US citizen that has not committed any kind of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/2023, I called Capital One auto to enter into a single case agreement for my monthly auto payments that at the time was only 8 days late. The representative I spoke with informed me I could put my next 3 months payments into a payment plan to bring my car note current and avoid any further collections efforts. I agreed to the terms outlined in the 4 Single Case Agreements ( SCA ) that where email to me by the Capital One Rep. I have made 2 of the 4 schedule payments on time as agreed. 

However, Capital One never updated my account to include the schedule payments. Even after I called them on XX/XX/XXXX when they sent me an repossession notice and on XX/XX/XXXX when online it showed my account as 30 days late. Both reps told me as long as I had a payment plan I was fine. 

For the past 7 years I have made all my payments on time and had a 100 % on-time payments history on my credit report. I then received alerts from XXXX, XXXX and XXXX stating that I had a late payment and my credit score dropped XXXX points after Capital One reported me 30 days late on XX/XX/XXXXwhen I made the agreed upon SCA in the amout of XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
1. I have missing credits for previous payments.

2. Incorrect math on my escrow analysis statement.

3. Inconsistent periods for the escrow analysis statement.

4. No explanation for a deficit in in my escrow account from XX/XX/2023 to XX/XX/2023. There was a surplus of {$1700.00} in XX/XX/2023 to a deficit of - {$5100.00} in XX/XX/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 explanation