vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion, I kindly request you to provide me with my credit reports in respect to myself XXXX XXXX XXXX. It is essential for me as a consumer. If any to review the current credit status of his/her profile. As per legal requirements, please respond within 14 business days from receiving this letter. For security reasons and preventing unauthorized access or theft of sensitive information, I request you to validate my identity before providing the requested details. Therefore, kindly coordinate with me further once received and processed this request through an alternative secured channel such as email or telephone call wherein proper identification procedures shall be executed accordingly. Our contact details are as follows : XXXX. If willing or email XXXX. I assure that all these data will strictly be utilized by me alone for legitimate purposes and confidentiality would be maintained at all costs during every exchange procedure made throughout my endeavor. 


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 2024-01-17 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:
I am a victim of the Equifax data breach. I have Included proof that I have unauthorized accounts on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Close my checking account and give my remaining money as a check! {$500.00}! Your customer service is abysmal! Nobody wants to waste time with phone calls when emails, secure messages, and live chats would do the job! No excuses! Youre a big bank and your competitors willingly do what you refuse to do! I dont about your excusesclose my account and give me my {$500.00} ASAP!

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 2024-01-18 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: DC

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  Balance Owed : {$5400.00} XXXX XXXX XXXX XXXX  Balance Owed : {$850.00}

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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AppFolio, Inc.
State: CA

Complaint narrative:
I received my credit score while applying to take over a lease with " Appfolio '' for an apartment complex in XXXX XXXX. I was denied the lease because of this score. When I check through my bank account, the credit score is XXXX. On the background check it says my credit score is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have an AMEX gift card that was given to me as a XXXX gift. The card is {$1000.00}. Time and time again the card is denied on both online retailers and in-person. I called the customer service number I found online and spoke with an agent. He told me that he couldn't help me because of the specific type of AMEX gift card it was (? ) and told me to call the number on the back of the card. However, that number is just an automated line with the card balance. I feel this card is a scam. It claims to be usable everywhere AMEX cards are taken but that is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: NC

Complaint narrative:
I am a victim of identity theft. XXXX and XXXX XXXX have fraudulent accounts on my credit profile that need to be moved immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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: NY

Complaint narrative:
I, XXXX XXXX, on XX/XX/XXXX became aware of the issue when I noticed unauthorized transactions and inaccurate information on my credit report after I just received my first Social security on XX/XX/XXXX and irregular activity on my credit report. I immediately took steps to report the identity theft and limit the damage. I have reported the incident to the Federal Trade Commission ( FTC ) through IdentityTheft.gov and have completed an Identity Theft Report, including an Identity Theft Affidavit, to officially document the fraud andor identity theft to law enforcement. I have also taken measures to rectify the situation by contacting the relevant financial institutions and credit reporting agencies to dispute the unauthorized charges and correct any inaccuracies on my credit report. I have enclosed proof of my identity, a copy of the Identity Theft Report, and any other relevant documentation to support my claim. 

Below are the mentioned reports : Account Name XXXX XXXX XXXX XXXX Collection Date opened XX/XX/XXXX Collection account. {$460.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Collection Date Opened XX/XX/XXXX Collection account. {$710.00} past due as of XX/XX/XXXX. 

XXXXXXXX XXXX XXXXXXXX Debt Buyer Date opened XX/XX/XXXX Collection account. {$440.00} past due as of XX/XX/XXXXXXXX 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 2024-01-17 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: NY

Complaint narrative:
I, XXXX XXXX, on XX/XX/XXXX became aware of the issue when I noticed unauthorized transactions and inaccurate information on my credit report after I just received my first Social security on XX/XX/XXXX and irregular activity on my credit report. I immediately took steps to report the identity theft and limit the damage. I have reported the incident to the Federal Trade Commission ( FTC ) through IdentityTheft.gov and have completed an Identity Theft Report, including an Identity Theft Affidavit, to officially document the fraud andor identity theft to law enforcement. I have also taken measures to rectify the situation by contacting the relevant financial institutions and credit reporting agencies to dispute the unauthorized charges and correct any inaccuracies on my credit report. I have enclosed proof of my identity, a copy of the Identity Theft Report, and any other relevant documentation to support my claim. 

Below are the mentioned reports : Account Name XXXX XXXX XXXX XXXXXXXX Collection Date opened XX/XX/XXXX Collection account. {$460.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Collection Date Opened XX/XX/XXXX Collection account. {$710.00} past due as of XX/XX/XXXX. 

XXXXXXXX XXXX XXXXXXXX Debt Buyer Date opened XX/XX/XXXX Collection account. {$440.00} past due as of XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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: MD

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.

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 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 2024-01-17 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: GA

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 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 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 2024-01-17 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: AL

Complaint narrative:
I am a victim of Lexington Law firm and XXXX XXXX. I was contacted via phone, email and text messages as they marketed their services. I also paid full price for services in the aspect of getting my credit repaired with the services they offered. And I was told if I was to inform others to join it would be at a discounted rated in which my son was also a client. I now see that they are in the news for the practices they offered and the fees for which we paid. I would like to file a common behalf of myself and my XXXX  for which its my account that the funds were retained from. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: GA

Complaint narrative:
I am filing a formal complaint against Experian and XXXX, two major credit reporting agencies, for apparent violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ) and 15 USC 1681i, Section 611. 

Over the past several weeks, I have been actively disputing inaccuracies on my credit report with both Experian and XXXX. Despite my continuous efforts and communication, I have observed persistent discrepancies that have not been addressed appropriately. 
15 USC 1681e ( b ) : Under this section of the FCRA, consumer reporting agencies are required to follow reasonable procedures to assure the maximum possible accuracy of the information in a consumer report. It appears that both Experian and XXXX have failed to adhere to these reasonable procedures, as the inaccuracies on my credit report have not been rectified, causing significant harm to my creditworthiness. 
According to this section, a consumer reporting agency is obligated to conduct a reasonable investigation into disputed information within 30 days. Despite disputing the information on my credit report for an extended period, neither Experian nor XXXX have provided me with a description of the investigation process, as mandated by the FCRA. 
I will kindly request that the Office of the Attorney General investigate the actions of Experian and XXXX concerning my credit report. Specifically, I am seeking assistance in ensuring that both agencies adhere to the provisions of the FCRA, promptly conduct a thorough investigation into the disputed information, and provide me with a detailed description of the investigation process as outlined in Section 611.

I appreciate your attention to this matter and trust that the Consumer Protection Division will conduct a thorough investigation into the alleged violations by Experian and XXXX. 
I look forward to a prompt resolution to rectify the inaccuracies on my credit report and that both credit reporting agencies comply with federal 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 explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CIBC BANCORP USA INC.
State: WA

Complaint narrative:
I just got off the phone with social security and they said for me to let y'all know that the check was put in the account with the last number being five so I put on social security page XXXX BUT Mt  account number is XXXX. Social security have put a trace in the check and it's in your bank. The account number was off by 1 number. The check was for XXXX XX/XX/year> I gave the trace number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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:
Hello, my name is XXXX XXXX, I am writing to delete the following information in my file. I have been having trouble trying to buy a home being a first time home owner, due to these items being on my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
thank you, any questions you can contact me at 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 2024-01-17 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX, I am writing to delete the following information in my file. I have been having trouble trying to buy a home being a first time home owner, due to these items being on my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
thank you, any questions you can contact me at XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I HAVE RECEIVED FUNDING FROM XXXX XXXX HAF PROGRAM TO PAYOFF AND ESCROW SHORTAGE. THE FUNDS WERE SENT ACH ON XX/XX/. SHELLPOINT RECEIVED THE FUNDS ON XX/XX/. ON XX/XX/XXXX  AND WAS TOLD THAT THE FUNDS WILL BE APPLIED TO THE ACCOUNT, AND AT THIS TIME THE GOVERNMENT FUNDS HAVE NOT BEEN APPLIED TO THE ACCOUNT. ATTACHED T THIS COMPLAINT IS A REQUEST LETTER OF HOW THE FUNDS SHALL BE DESPERSED ACCOMPANIED WITH THE LETTER FROM XXXX XXXXXXXX OF HOW MUCH MONEY THAT I HAVE RECEIVED. I AM REQUESTING A FULL INVESTIGATION AS TO WHY SHELLPOINT IS HOLDING THE MONEY AND IS NOT APPLYING THE FUNDS. I AM ALSO SEEKING LEGAL REPRESENTATION BECAUSE I CONSTANTLY HAVE REOCCURRING PRBLEMS WITH SHELLPOINT MORTGAGE. 
PLEASE ADDRESS THIS ISSUE ACCORDINGLY, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion conglomerate for violations of the Fair Credit Reporting Act. The TransUnion company failed to take steps to ensure the rental background checks that landlords use to decide who gets housing were accurate. The company also withheld, from renters, the names of third parties that were providing the inaccurate information. 

I put at risk of wrongful housing denials because TransUnion failed to follow the law. 

These reports increasingly use black box algorithms, relying too often on inaccurate or misleading information, to produce a renters risk score or to make a recommendation to landlords. This score or recommendation can conceal false information from scrutiny by either landlords or renters and make it difficult to impossible to correct inaccurate information. As a result, people are denied housing, charged more for housing, spend longer finding housing, and incur more housing search costs.

In todays joint complaint, the CFPB and the FTC allege that the company : Failed to take steps to produce accurate reports : The company violated the Fair Credit Reporting Act by failing in numerous instances to take steps to assure the maximum possible accuracy of eviction records in its rental background check reports. For example, the company failed to assure that its reports reflected the current status of public records. This included failing to share information showing that an eviction was dismissed and not preventing the inclusion of sealed records or multiple entries about the same eviction case. As eviction data is often weighed heavily in assessing rental risk, inclusion of inaccurate and duplicative eviction information is particularly harmful to renters and their families. 
Failed to identify who provided inaccurate information : When the company obtained criminal and eviction records from third-party vendors, it failed to identify the third-party vendors in its disclosures to consumers. Instead, the company told people that criminal and eviction records were taken only from the jurisdictions where the proceedings took place. People trying to find a place to live did not know it was a third-party vendor that they needed to contact to correct inaccurate information. 



I have been a victim of the info above, and would like to take action, or needing to know what are the next steps of this issue?

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 2024-01-17 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: CA

Complaint narrative:
XXXX conducted a credit inquiry on me without my knowledge or authorization in XXXX XXXX. I have filed an Identity Theft Report with the Federal Trade Commission and I will attach a copy as such. Thank you for your assistance.

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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have written 2 letters to Transunion asking how they verified a bankruptcy item on my credit report, specifically asking which data furnisher they used. One letter on XX/XX/XXXX and a XXXX letter on XX/XX/XXXX which was sent by certified mail and delivered on XX/XX/XXXX. I still have not heard anything back about any of the inquiries.

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