vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.

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 2022-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MO

Complaint narrative:
I had a transaction made in XXXX, XXXX for {$75.00} at a XXXX. They've supplied me with very little information about the transaction. No date, and no time in my request for documentation. They haven't told me how the card was authorized. All they have said is because I got paid the day that the transaction was made, it had to be me. However, they've given no explanation for how I was able to make XXXX transactions in the XXXX XXXX area within XXXX hours of a transaction in XXXX. Over XXXX hours away. The transaction is clearly fraudulent but instead of investigating they've chosen to do nothing, and instead of supplying me with information to report to the police they've offered no information about the transaction. This is a clear violation of Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc.
State: TX

Complaint narrative:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

CONN APPLIANCES INC XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I contacted Transunion over XXXX times on XX/XX/XXXX before I can reach someone in the fraud department in the US. I sent in a request on XX/XX/XXXX to block and delete information within five days as required by law per 15 USC 1681 and ask for more information of why a dispute was initiated on XX/XX/XXXX without my consent, when my letter clearly requested the fraudulent items from XXXX, XXXX, and XXXX to be blocked and deleted. I was able to speak with two people on XX/XX/XXXX at XXXX and XXXX pm est, XXXX , and XXXX who identified themselves as supervisor 's in the Transunion fraud department stating that they can not block and delete any information from my profile and will not furnish any proof validation per my request. Neither would provide a last name or ID #. I advised that these items identified in my complaint in XXXX showed the company deleted these accounts per their response to the CFPB complaint. Transunion continuously breaks the law and engages in fraud and identity theft by reporting fraudulent information on my credit profile without my consent and are violating my consumer rights 15 USC 1681 HB2, 15 USC 1681 B3, by not provided me my file, summary of rights, and description of the investigation/reinvestigation. They are also falsifying that they deleted these accounts to the CFPB and the accounts still appear on my consumer file. I am demanding these accounts to be blocked and removed immediately or I will take legal action against and sue for damages.

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 2022-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I was selling my items through XXXX XXXX. The buyer contacted me saying he wants to purchase my items. He asked me for my XXXX as it was the payment I usually make online transactions with. He sent me a screenshot saying he sent me the money of {$150.00}. Shortly after, I received an email from " XXXX '' saying my XXXX needs to be upgraded to a premium account. I didn't know that was such a thing at the time. The email said I need to receive {$350.00} more, in a total of {$500.00}, to make my account premium. He sent me a screenshot that he sent me {$350.00} through XXXX and that I need to send him {$350.00} through Zelle in order to have {$500.00} back from XXXX. Then, I got another message from the buyer saying he was double charged from XXXX and I need to send him {$500.00}. Then I thought something was off, called XXXX and confirmed that it was a scam. I have the screenshots of the email I received from him as well as the conversation I had. I currently filed a claim through XXXX and Zelle. I didn't receive the money back yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Credit Companies reqiested Police Report and US Federal Trade Commission report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: TX

Complaint narrative:
I applied for a vehicle via XXXX as a result the sent my information to several different companies that are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also I have acknowledgement of the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-07-14 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MN

Complaint narrative:
Genesis or whoever it is uses my information without my authorization. They need to further investigate who exactly used my information. 

Please ask Genesis to provide the identification that was submitted to them by whoever person tried to open an account using my name as it is considered Identity Theft. 

I badly need your help in this manner. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/XXXX, XXXX I have formally notified, each of the three credit bureaus, XXXX, Equifax, and XXXX in writing via certified mail, that their reporting of the current bankruptcies in my credit file in which they manage, are in direct violation of the Fair Credit Reporting Act ( FCRA ), each of my attempts have gone uncorrected. Each agency has responded to the disputed items as VERIFIED AS ACCURATE, How this could be when they indicated the court furnished them the information knowing that this is untrue, and their investigation was not done correctly either according to the FCRA, resulting in the bankruptcies still appearing on my credit file. Their unwillingness to correct their errors has caused unnecessary and difficult situations for me while trying to obtain loans, credit cards, and housing. The like of cooperation has also affected my credit score not allowing me to get above a XXXX with paying my bills on time., the information in my credit file is inaccurate, merely due to the status of the bankruptcies citing discharged on one report, dismissed on another, inaccuracies and lastly, XXXX public records such as bankruptcy are in your file. I have attached several documents relating to this specific issue to support me disputes. I have listed the FCRA Violations below to be relevant to this matter : 15 U.S.C. 1681 section 602 ( A ) Having the Right to Privacy 15 U.S.C. 1681 Section 604 ( 2 ) Not Having My Written Consent 15 U.S.C. 1681C section ( a ) ( 5 ) Requirements to information contained in consumer reports 15 U.S.C. 1681d section ( a ) ( 1 ) Disclosure of fact of preparation 15 U.S. C 1681 section ( b ) Disclosure on request of nature and scope of investigation 15 U.S.C. 1681d section ( a ) ( 1 ) ( 4 ) Disclosure of investigative consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

SANTANDER CONSUMER USA XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, I created an account with Equifax in 2017 and set up a freeze on my report. Recently, I tried to access my account to temporarily lift the freeze, but I have been unable to log in, to reset my password, or to unlock the account in any way, even after contacting Equifax customer support and spending over an hour on the phone with an agent. 

The agent presented vague excuses like " your account is missing a registration date '' and cryptic remedies like " I've escalated your account, try to log in again in XXXX XXXX  ''. The agent also asked me to give her my password, which I had to dictate by voice over the phone. This is completely unacceptable, especially given their past data breaches. 

In the end, the agent was unable to resolve the issue and either unable or unwilling to allow me to speak with a supervisor. The call was terminated without resolving my issue. It is unclear if they hang up or the line was cut. I'm still unable to log in or reset my password. 

I would like to note that I am a software engineer, I use a password manager, and I am certain I am using the correct credentials. I have also found the XXXX thread linked below, which shows this has been a known issue for at least 2 years : XXXX  : XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regional Acceptance Corporation ( RAC ) has reported incorrect balances to the credit bureaus. They aren't reporting my actual balance at the time that they report to the credit bureaus. They are submitting projected balances based on 20-day payoff amounts instead of the current balance on my account. Please note : None of the balances reported to the credit bureaus are on the account statements which also has a 20-day payoff amount. I don't know where there are getting their numbers from that they are reporting. 

Twice my credit score has decreased due to incorrect balance reporting. The first time their erroneous balance reporting decreased my credit score, I reported the balance discrepancies to RAC in a letter dated XX/XX/XXXX. On my XXXX and XXXX Report, RAC reported a balance of {$16000.00} for XXXX of XXXX and {$16000.00} for XX/XX/XXXX causing my credit score to decrease due to an increase in balance. In XX/XX/XXXX RAC reported a balance of {$17000.00} and {$17000.00} for XX/XX/XXXX causing my credit score to decrease due to an increase in balance. I disputed the balance issues with the credit bureaus. I have never missed a payment so my balance should always decrease and not increase. None of the balances on my credit report were my actual balances at the time that they reported it. 

I haven't notified RAC about the recent discrepancies and have a letter that I plan to send dated XX/XX/XXXX. On XX/XX/XXXX, I called the North Carolina Department of Justice Consumer Protection Department ( NCDOJCP ) and asked is a lender supposed to report to the credit bureaus my actual account balance or the 10- and 20-day payoff balance? The NCDOJCP informed me that the actual account balance at the time of the reporting is supposed to be reported. The actual account balances aren't being reported.

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 2022-07-14 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: ERC
State: PA

Complaint narrative:
Company accessed my report fradulaenty and furnshied information with out permission. I was never given written notice. I am writing this letter of my own free will and accord. It has come to my attention that there are inaccuracies on my credit reports and FCRA law commands that they either be verified 1. Provide validation of the debt, that is, the actual accounting. 
2. Verification of their claim against you, that is, a signed Invoice. 
3. A copy of the Contract binding both parties ( you and them ), and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding these items listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

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 2022-07-14 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: TD BANK US HOLDING COMPANY
State: UT

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation