vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-02 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: TX

Complaint narrative:
I have written multiple letters disputing 2 collection accounts on my credit report and have asked them to send me validation, not just verification and they refuse to send me any proof of these accounts and these accounts that are in collections are also not sent me any validation proof, but they keep reporting to 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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have written multiple letters disputing 2 collection accounts on my credit report and have asked them to send me validation, not just verification and they refuse to send me any proof of these accounts and these accounts that are in collections are also not sent me any validation proof, but they keep reporting to 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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 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: NJ

Complaint narrative:
I was a victim of the XXXX data breach not only did it effect my XXXX but it also effect XXXX and Experian. This has cause me tremendous hardship because all of my credit has been exposed and supplying information to my personal credit. Causing me and my family difficulties in everyday life and values and the American dream. If one Bureau is inaccurate then they are all. There's no way we can determined what's correct or incorrect. There's no way in telling how long I been exposed to this data breach and how it will effect me and my family in the future. I'm asking for XXXX and Experian to make this right by deleting everything off of my credit reports asap. XXXX has admitted that they were at fault and I want Experian and XXXX to follow suit because they are all using the same info to furnish their. So if one is wrong they are all wrong

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 2024-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Purchased car 2 to 3 years ago at XXXX XXXX XXXX XXXX within a year of having the car I tried to trade it in for something else multiple dealerships. Tell me there is something wrong with the title that it is salvaged or total loss. I have gotten a XXXX report and it states structural damage, upon contacting regional acceptance, they further investigated and suspect title may be washed. But have taken no further action car is due to be repossessed, if legal action not taken.

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UBS BANK USA
State: CA

Complaint narrative:
Loan agreement was not conducted and adhered to as per original contract

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
A check in the amount of {$3500.00} was sent on XX/XX/XXXX via certified mail to the XXXX XXXX XXXX XXXX. The check was signed for and then cashed fraudulently via Bank of America. Our company 's bank is XXXX XXXX XXXX They have reached out to Bank of America on numerous occasions. The dates listed are the inquiries XXXX XXXX XXXX has reached out to Bank of America : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Responses at first were that they were behind. Now they do not respond. I have already filed a report with the United States Postal Service. I do have an affidavit from XX/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 explanation
Consumer complaint received 2024-01-02 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:
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. Attached you will also find my ID, Proof of Address with my most recent bill and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 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: NJ

Complaint narrative:
I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2024-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I contacted PHH Mortgage in XXXX of XXXX to be placed on a XXXX XXXX for 6 months which they did. I called back in XXXX to make my first monthly payment. The payment amount was incorrect ( over $ XXXX ) because the PHH escrow analysis was incorrect. They had placed me on force placed insurance which was a mistake made by PHH and they required me to make the incorrect monthly payment. I expressed to them I did not want to pay more then I was due but they informed me this wasn't an option. The customer rep then decided to place me on a 3 month Forbearance while they did another escrow analysis. My new payment date was scheduled for XX/XX/XXXX. 

PHH reported me to the credit bureau 's on XX/XX/XXXX for not making a payment. This has impacted my credit score by XXXX points. I called PHH in XX/XX/XXXX to inform them of the mistake and asked that they correct the mistake with the bureau 's. PHH said they would open a work order and get the issue resolved. I called back on XX/XX/XXXX and said work order was closed and the issue was my problem because I had not made a payment!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
The three credit bureaus do not speak to one another. My data on each credit report is incorrect. I have on several occasions requested the credit bureaus to update their records. The accounts that are listed as open/reporting negatively, are either paid-in-full closed, paid in full no balance, or should not be appearing at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to formally file a complaint against Equifax XXXX XXXX XXXX XXXX XXXX due to the failure to respond to a dispute letter I sent on XX/XX/2023. The dispute was related to several inaccuracies present on my credit report, which included personal information, XXXX XXXX ( Account Number : XXXX ), XXXXXXXX XXXX ( Account Number : XXXX ), and a bankruptcy filing with reference number XXXX. 

Despite mailing my dispute within the appropriate timeframe as required, I have not received any response from Equifax to date. This is a direct violation of my consumer rights and the Fair Credit Reporting Act ( FCRA ), which mandates a timely response and resolution within 30 days. 

Enclosed with this letter is a copy of the original dispute I sent to Equifax, serving as proof of my attempts to rectify these inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: KY

Complaint narrative:
Date XX/XX/11 I spoke with some from IQ data asking for verification, she was rude toe because I kept asking for a verification letter to be send. 
I called again XXXX I spoke with a guy and he was complete rude to me on this phone call, before hanging up the phone I told him I had another question and he was so rude and was like what you do want?? It was so in professional with how they are handing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: NV

Complaint narrative:
I am writing to file a formal complaint against Transunion for its repeated violations of the Fair Credit Reporting Act ( FCRA ) concerning my XXXX XXXX Account ( XXXX ). Despite multiple attempts to address and rectify reporting errors, Transunion has consistently failed to adhere to the FCRA, thereby compromising my rights as a consumer. 

On numerous occasions, I have contacted Transunion to dispute discrepancies in my credit report and to exercise my rights under the FCRA. Specifically, I have submitted a method of verification letter via certified mail, as prescribed by the FCRA. Regrettably, Transunion has failed to respond adequately, neglecting its obligation to provide a thorough method of verification. 

Attached herewith is my credit report, which clearly illustrates multiple errors associated with my XXXX XXXX Account. These errors have been brought to Transunion 's attention through a certified request for investigation. However, instead of conducting a diligent examination, Transunion has responded with a generic " verified as accurate '' letter, overlooking the specific discrepancies reported and violating my right to a fair and accurate credit report. 

I would like to commend XXXX and XXXX for their responsible handling of similar disputes, resulting in the removal of the disputed account, as evidenced by the attached documentation. Unfortunately, Transunion has not exhibited the same commitment to conducting a comprehensive investigation, perpetuating a persistent error in my credit report. 

I request the Consumer Financial Protection Bureau to investigate this matter and take appropriate actions to ensure Transunion 's compliance with the FCRA. Your intervention is crucial in rectifying these violations and safeguarding the rights of consumers. 

Thank you for your attention to this matter. I am confident that your involvement will lead to a fair resolution

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 2024-01-02 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX, 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 : IT. ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2024-01-02 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX, 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 : IT. ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: NY

Complaint narrative:
I just reviewed my XXXX and Transunion credit reports and it shows inaccurate and unauthorized account. 

Please see the copy of my dispute letters that were already sent to the involved Bureaus. 

I have not received any responses yet

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 2024-01-02 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: NC

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: NJ

Complaint narrative:
I am writing to request the deletion of specific entries in my file, which are listed in the attached report. As a victim of identity theft, I did not authorize these changes. In compliance with the Federal Trade Commission, I have reported this identity theft and have included copies of the FTC 's Identity Theft Affidavit.

It appears that certain activities about my account contravene multiple sections of the U.S. Code Law, including : 15 U.S. Code 1681 a ( 4 ) - Consumer Right to Privacy. You are reporting fraudulent accounts that aren't mine, infringing upon my privacy rights.

15 U.S. Code 1681a - Definitions ; rules of construction. This law states that transactions are not included in a consumer report. Thus, I demand the removal of all late payments from my report.

FDCPA 807 - Misleading false reporting. The information you are reporting suggests I applied for these inquiries & accounts, which is inaccurate and misleading.

15 USC 1681 n - Civil liability for willful noncompliance. You accepted credit information about me without verifying its accuracy, leading to willful noncompliance.

18 U.S. Code 1028A - Aggravated identity theft. You shared my information with creditors without my consent, which constitutes aggravated identity theft.

15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information. You didn't disclose to me that I had the right to opt-out of this information being shared.

And several other violations, which I have detailed in the attached document.

I kindly request that you adhere to 15 U.S. Code 1681c-2, which requires you to complete this reinvestigation and block or update all information resulting from identity theft within four days of receipt of this letter. Failure to comply will lead to criminal and civil liabilities as outlined in my attached invoice.

I am the original creditor, and I did not authorize, benefit from, or consent to the accounts and inquiries listed in the attached report. I filed FTC report # XXXX regarding this matter. 

Please remove all fraudulent accounts from my credit report immediately. According to FCRA 605B, this information must be blocked until the investigation is concluded.

Furthermore, as per 15 U.S.C. 1681g, I demand that you disclose all documents recorded and retained in your file at the time of the request concerning the accounts that you are reporting on 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 2024-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I applied for the Citi Business AAdvantage Platinum card on XX/XX/2023 with the stated requirement of spending {$6000.00} for XXXX bonus miles. I met this spending requirement within 2 weeks and the bonus miles showed up on the first statement I received from Citibank. The miles from spend ( XXXX miles ) are now stuck in an XXXX XXXX account and I can't use them or transfer them ( even though the terms state that I should be able to transfer them if I have this card ). I also have not seen any of the bonus miles from the sign up bonus even thought I have met all the conditions of this spend. I have attempted to reach out to both XXXX XXXX and CitiBank and they each tell me to keep waiting and then blame each company. I have seen that this is an issue that many others are having and I would like to get this resolved as soon as possible so I can use these promised miles.

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