vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 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: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am filing this complaint regarding significant inaccuracies in the reporting of my account originally held by XXXX  XXXX XXXX XXXX supposedly created on XX/XX/year>, which was subsequently sold to XXXX XXXX. These reporting issues violate several provisions of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ), which have caused financial and emotional harm. Based on these violations, I am requesting deletion of the account from my credit reports with TransUnion and XXXX, release from liability, and {$1000.00} per violation as outlined below. 

Violations and Reporting Issues : Incorrect Account Number : TransUnion and XXXX report this account as XXXX instead of the contracts actual account number, XXXX, violating FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ). 

Incorrect Furnisher Information : The account was sold to XXXX XXXX, yet it is still listed as owned by XXXX  XXXX XXXX XXXX. This misrepresentation violates FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ), which requires accurate furnishing of account ownership.

Inaccurate Balance Reporting : The balance is incorrectly reported as {$1200.00}, omitting {$0.00}. FCRA mandates accurate reporting of credit information, and this error directly violates 15 U.S.C. 1681s-2 ( a ) ( 1 ). 

Misreported Payment Schedule : The agreement reflects monthly payments of {$88.00} over 18 months, which does not total the amount stated of {$1600.00}. This miscalculation and failure to accurately report the payment terms impacts my creditworthiness and financial profile, violating TILA ( 15 U.S.C. 1638 ( a ) ( 5 ) and ( a ) ( 6 ) ).

Inadequate Disclosure of E-Signature : My rights regarding electronic signatures were not disclosed as required by the E-SIGN Act ( 15 U.S.C. 7001 ( c ) ). Given this lack of disclosure, the e-signature could have been completed by anyone, further invalidating the contract terms.

Failure to Provide Accurate Information Despite Disputes : I previously disputed these inaccuracies, yet TransUnion and XXXX failed to conduct a reasonable investigation or correct the errors, which violates FCRA ( 15 U.S.C. 1681i ). The persistence of these inaccuracies has negatively impacted my credit score and financial opportunities.

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing this complaint regarding significant inaccuracies in the reporting of my account originally held by XXXX  XXXX XXXX XXXX supposedly created on XX/XX/year>, which was subsequently sold to XXXX XXXX. These reporting issues violate several provisions of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ), which have caused financial and emotional harm. Based on these violations, I am requesting deletion of the account from my credit reports with XXXX and Equifax, release from liability, and {$1000.00} per violation as outlined below. 

Violations and Reporting Issues : Incorrect Account Number : XXXX and Equifax report this account as XXXX instead of the contracts actual account number, XXXX, violating FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ). 

Incorrect Furnisher Information : The account was sold to XXXX XXXX, yet it is still listed as owned by XXXX  XXXX XXXX XXXX. This misrepresentation violates FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ), which requires accurate furnishing of account ownership.

Inaccurate Balance Reporting : The balance is incorrectly reported as {$1200.00}, omitting {$0.00}. FCRA mandates accurate reporting of credit information, and this error directly violates 15 U.S.C. 1681s-2 ( a ) ( 1 ).

Misreported Payment Schedule : The agreement reflects monthly payments of {$88.00} over 18 months, which does not total the amount stated of {$1600.00}. This miscalculation and failure to accurately report the payment terms impacts my creditworthiness and financial profile, violating TILA ( 15 U.S.C. 1638 ( a ) ( 5 ) and ( a ) ( 6 ) ).

Inadequate Disclosure of E-Signature : My rights regarding electronic signatures were not disclosed as required by the E-SIGN Act ( 15 U.S.C. 7001 ( c ) ). Given this lack of disclosure, the e-signature could have been completed by anyone, further invalidating the contract terms.

Failure to Provide Accurate Information Despite Disputes : I previously disputed these inaccuracies, yet XXXX and Equifax failed to conduct a reasonable investigation or correct the errors, which violates FCRA ( 15 U.S.C. 1681i ). The persistence of these inaccuracies has negatively impacted my credit score and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries I don't recognize

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 2024-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
A company claiming to be XXXX XXXXXXXX XXXX XXXX called trying to collect on a debt supposedly from Bank of America in the amount of {$6400.00} threatening to sue me and put a lien on my property. Initial call they stated they wanted to make sure I was home so the police could serve me with legal papers. I called the number given to me XXXX when they informed me of this debt associated with my ex-husband of over XXXX years. I spoke with Bank of America. They state they have no record of debt associated with 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 explanation
Consumer complaint received 2024-11-15 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: WALLICK AND VOLK, INC
State: WA

Complaint narrative:
Incident Summary On XX/XX/year>, I visited XXXX with my partner to discuss mortgage options in light of my new financial situation. During this visit, I was referred to XXXX XXXX at Wallick & Volk as a potential resource. On XX/XX/year>, I reached out to XXXX via email, clearly explaining that I was looking for information and guidance about the mortgage process as a new business ownernot actively seeking a loan. 

Initial Communication Between XX/XX/year> and XX/XX/year>, we corresponded to schedule a phone call to discuss these questions further. XXXX instructed me to create an online profile with Wallick & Volks platform. During this process, I was asked to provide information and upload documents. It became evident that this was actually a mortgage application, not a preparatory step for our discussion. One document required my consent for a credit check, and I explicitly declined. I confirmed my decision by selecting the option to opt out and ensuring it was recorded in the system. 

Unauthorized Credit Pull On XX/XX/year>, during our phone call, which began shortly after XXXX XXXX, I started receiving email notifications from my banks informing me that my credit had been pulled. I immediately asked XXXX if she had run my credit. She confirmed that she had. I reminded her that I had explicitly opted out of the credit check and read aloud the relevant language from the agreement PDF, which documented my decision. Instead of addressing my concerns, XXXX dismissed them. She asked questions like, " What are you so worried about? '' and " Do you have a big purchase coming up? " remarks that were both invasive and deflective, rather than acknowledging the issue. 

Resolution and Next Steps I reiterated that I had no intention of proceeding with Wallick & Volk, as I could no longer trust someone who disregarded my explicit instructions. Later that day, I downloaded a copy of the agreement, which clearly shows that I declined the credit check. 

XXXX actions were unauthorized, dismissive, and unprofessional. Pulling my credit without my consent is not only a violation of my trust but also potentially a breach of consumer protection laws. I am seeking resolution and accountability for this unauthorized action, to both myself and my partner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Lendmark Financial Services
State: GA

Complaint narrative:
I visited the Lendmark in XXXX, XXXX  today, XX/XX/XXXX to gain access to online account. I was Notified that my account was referred to legal because they were unable to call me ( as a direct result of my XXXX XXXX XXXX  claim resolved in XX/XX/XXXX, claim # XXXX ). That claim detailed the harassing phone calls and profanity of Lendmarks staff when calling demanding and treating for payments. The resolve was that they may only contact me by mail/email. After the resolve the same branch employee XXXX, called me again and I had to remind Her of the resolution of no calls so she hung up. 

Today, XXXX  XX/XX/XXXX, the same employee, XXXX, disclosed my personal information before verifying my identity. She went into detail about my account for 10 mins before her manager asked did she verify my ID. I have her on audio recording saying no she did not.

She also poorly explained the Lendmark policy for legal referrals and on audio recording stated there is no set number of days past due to refer a loan to legal. She stated the last payment was received in XXXX, and my account access was removed ( without notice via email or mail ) on XX/XX/XXXX. I have her on audio recording stating the reason was because they could not call me. 

Referring my loan to legal was an act of retaliation based on my right as a consumer to report experiences to the XXXX XXXX XXXX. Their continued harassment, retaliation and violation of my privacy rights is causing immense distress and violates several federal and state debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}

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 2024-11-15 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: WA

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach that has resulted in identity theft. As a consequence, several unauthorized accounts and inquiries have appeared on my credit report. I am requesting, under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), that you immediately block and delete all of the following fraudulent accounts and inquiries from my credit report. 
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 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 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 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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal information Also known as : 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIRIES, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am filing this complaint against Credit Collection regarding collection accounts for which I sent a dispute letter over 30 days ago. Your company failed to meet the validation requirements under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ).

I specifically requested : An explanation of the account balance.

Full payment history and audit trail. 
Documentation of my consent to this debt and its reporting. 
Proof of authorization to collect in my state. 
Chain of custody, master bill of sale, purchase agreement, and promissory note for the alleged debt. I also asked that your Senior Executive from your office Swear under penalty of perjury this corporation were present during the alleged debt which you nor I can validate because we were not present.

None of these items were provided. Reporting inaccurate or unverifiable information is a violation of the FCRA and FDCPA, as is the furnishing of deceptive forms to create false beliefs about my obligation to pay.

I demand the immediate deletion of the following accounts from my credit report. Failure to comply will result in legal action for monetary damages as permitted under federal law. 

CREDIT COLL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX CREDIT COLL ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: CA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, and my personal information has been compromised. As a result, fraudulent activity has been reported on my credit file. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I request the immediate blocking and deletion of the following fraudulent account and inquiry : Fraudulent Account : 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 2024-11-15 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: PA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-11-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Chainlink Services LLC
State: MO

Complaint narrative:
Constant repetitive calls to myself and family members. repeatedly asked for them to stop calling other and my place of employment but they constantly reject my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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. Also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation