vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

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 2024-08-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: NY

Complaint narrative:
I need copies of my Master Promissory Notes for XXXX Direct Federal Subsidized Consolidation Loan and XXXX Direct Federal Unsubsidized Consolidation Loan. In have a right as a borrower to this document as it is the borrowers contract that governs all terms of repayment. Federal Student Aid and EdFinancial are playing games telling me the other agency has these documents. Each time I was on the chat or on the phone with either agency, I was given different information. EdFinancial told first they would submit a research request to locate my MPNs and that would take them XXXX days, plus another XXXX  days to get my documents to them if they were located. I got it escalated by XXXX supervisor who said it was now an emergency request and it would take XXXX business days and they would email the document when it was found. Another rep later told me it would be XXXX days to find it, and another XXXX to mail it because they are not allowed to email MPNs. Federal Student Aid told me to call my school ( these are not associated with a school as I consolidated AFTER I graduated ). Another FSA rep told me to speak to XXXX who never serviced any of my loans. Why are my MPNs not accessible? These are legally binding contracts that I have a right to view at any time. It is concerning to me that someone needs to find them. My servicer EdFinancial told me that any MPN should he available on studentaid.gov but these consolidation loan MPNs are not in my documents. Federal Student Aid told me that servicers have all the Consolidation loan MPNs and my servicer could not locate them in their records. It should not take all day to get consistent, correct information. It should not take all day to get a copy of a document I am legally entitled to view. This is a violation of my rights as a borrower. I want the MPNs because you can not trust FSA or servicers to know accurate information as evidenced by this whole issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/year> - I sent notarized letters to Citibank about a collection that was placed on my credit report. I sent them a police report showing that my social security card, several credit cards and my drivers license were stolen from my home. These items were used to open several loan accounts in my name, my Citibank card was used to make purchases that I did not approve of. 
XX/XX/year> - The company replied via mail saying that they could not remove the debt from my credit report- though I am a victim of theft and identity theft. I requested that they send me copies of all purchases made with the card along with signatures as well. I have yet to get a response from them.

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 2024-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-30 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: MI

Complaint narrative:
XXXX and XXXX are reporting late payments after charge off and transunion is showing no payment history on XXXX XXXXXXXX XXXX 's card account number XXXX also reporting a high percentage of usage the account is closed or charged off I'm disputing the accuracy of this account with all three bureaus

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
experian and XXXX are reporting late payments after charge off and XXXX is showing no payment history on XXXX XXXX XXXXXXXX XXXX  card account number XXXX also reporting a high percentage of usage the account is closed or charged off I'm disputing the accuracy of this account with all three bureaus

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 2024-08-30 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: TX

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have been dealing with the same issue with Amex since XXXX / XXXX when I enrolled in their financial program. I've made a payment being told it would be for XXXX and then the payment went thru XXXX. Thru multiple calls, that takes hours, I was given conflicting information and was always left with them saying they would " investigate '', took months to come to the conclusion that it was on me to fix the issue cause their system had no ways to make adjustment. So in XXXX they I've made THREE payments. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for {$65.00} each. That was to cover the XXXX payment ( they refunded the one I made in XXXX that was to go to XXXX and didnt ), the XXXX payment and the XXXX payment. That was supposed to put my account on track according to their directions. Yet, month after month they continue to report me as having a missed payment. Every time my credit refreshes, the missed payment moves to the last month... it's been 3 months that my account shows missed payment 30-59 days. No matter how many times I call and ask them, what do they want me to do to fix this?! They offer no solution other than say they will open an investigation, I never head back. and month after month, this continues to impact my credit negatively while I am making my payments as agreed. I have exhausted all the possibilities with them, I have spent countless hours on the phone. This has to come to an end. They must offer a resolution for this once and for all. This negative remark has to be fixed and the missing payment reports has to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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 2024-08-30 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: NC

Complaint narrative:
I contacted the credit bureaus about inaccuracies on my credit report, but my letters have been ignored. Instead, I've been receiving responses accusing me of using a third party. I have attached my ID and the relevant letters for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: FL

Complaint narrative:
This morning, I was shocked to find inaccurate accounts on my credit report, and I have no clue why they are there. I check my credit report regularly, but this time, discrepancies appeared out of nowhere. I even refreshed my browser, thinking it might be a glitch, but the errors remained. Due to this unexpected issue, I urgently request that the documents I've sent be thoroughly reviewed so I can avoid this stress in the future.

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 2024-08-30 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: GA

Complaint narrative:
Hello. I've reached out about accounts on my report that are illegally being reported. These accounts include negative or adverse information that I am requesting be permanently remove the following companies, XXXX, EQUIFAX and XXXX have failed to provide me with the contracts with my signature to verify that the these accounts belong to me. 

Closed accounts : XXXXXXXX XXXX XXXX XXXX # : XXXX. 
XXXX sold. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>. 
Closed. Charged off {$220.00}. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone # ( XXXX ) XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX 
Original creditor : XXXX XXXXXXXX XXXX {$970.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone # ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX XXXX 
XXXX {$100.00}. 
XXXX XXXX XXXX XXXX, MA XXXX Phone # ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. 
Original creditor : XXXX XXXX. 
Collections {$88.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX. 
Original creditor : XXXX XXXX XXXX Collections {$4500.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Consumer Laws to reference U.S.C 15- Chapter 41.

15 U.S.C. 1681i ( a ) 5 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681i ( a ) 5 15 U.S.C 1681S-2 15 U.S.C 1681 ( i ) 15 U.S.C 1681 ( i ) XXXX XXXX XXXX XXXX XXXX SS # XXXX. XXXX XXXX XXXX XXXX XXXX, GA XXXX. Phone # ( XXXX ) XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-08-30 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mid-Atlantic Finance Co., Inc.
State: MS

Complaint narrative:
Signed an auto lease and was originally approved for {$9800.00} for a car at the dealership on XX/XX/year>. Few days later called back with a new contract for {$6800.00}. With a blue book value of {$3200.00}. 10 days after leaving the car lot the car experiences transmission problems. Contacted and took the car back they agreed to fix it. The day it was to be fixed I couldnt make it in and asked for a reschedule. Couldnt receive a response to a reschedule date let the finance company Mid Alantic Finance know as well. The company they sold the lien to without giving me disclosure information of that. Which is a violation in itself. Gave a down payment of {$1200.00}. They also pulled my credit multiple times under multiple different companies pulling down my score even more. Emailed and mail to XXXX & XXXX Auto as well as Mid Atlantic Finance about the release of the MSO/MCO if they had ownership of the title that was transfered into my name. The owner XXXX XXXX then attempted to call me and curse me, threaten me and is a breach of peace. She called my dad and released information to him cursing at him and scaring him. A unauthorized car hauler came to my home at XXXX, after I stated I would like my down payment back and it removed off of my credit. They havent obliged since XXXX XXXX. I also wasnt told I had 30 days to review and change the contract I signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: FL

Complaint narrative:
I have been dealing with the same issue with XXXX since XXXX / XXXX when I enrolled in their financial program. I've made a payment being told it would be for XXXX and then the payment went thru XXXX. Thru multiple calls, that takes hours, I was given conflicting information and was always left with them saying they would " investigate '', took months to come to the conclusion that it was on me to fix the issue cause their system had no ways to make adjustment. So in XXXX they I've made XXXX payments. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for {$65.00} each. That was to cover the XXXX payment ( they refunded the one I made in XXXX that was to go to XXXX and didnt ), the XXXX payment and the XXXX payment. That was supposed to put my account on track according to their directions. Yet, month after month they continue to report me as having a missed payment. Every time my credit refreshes, the missed payment moves to the last month... it's been 3 months that my account shows missed payment 30-59 days. No matter how many times I call and ask them, what do they want me to do to fix this?! They offer no solution other than say they will open an investigation, I never head back. and month after month, this continues to impact my credit negatively while I am making my payments as agreed. I have exhausted all the possibilities with them, I have spent countless hours on the phone. This has to come to an end. They must offer a resolution for this once and for all. This negative remark has to be fixed and the missing payment reports has to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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