vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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 I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX. Account name : XXXX XXXX XXXX. However, they stated everything was complete and accurate. I requested for the documents showing steps taken by credit beaureu doing investigation. I never recieved it. I disputed with both creditors and credit bureau on multiple occasions to keep getting generic system replied. My FCRA has been violated on multiple occasions from transunion, 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 2023-12-15 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: IL

Complaint narrative:
Experian PLC is headquartered in XXXX, XXXX and operates in XXXX XXXX. Experian PLC is a for profit traded company under symbol EXPN in the business services industry, which generated XXXX XXXX dollars for fiscal yr. XXXX. 
Experian is regulated by the FCRA and in occurrence with the FCRA. Experian must comply with The Privacy Act of 1974, 15 U. S. C 1681 a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers ' right to privacy. 
I have not verbally or given any written agreement to Experian that allows them to report or provide any information on any report pertaining to a federally protected consumer. 
They have violated 15 U. S. C 1681b, 15 U. S. C 1681c, 15 U. S. C 1681e ( a ) ( b ) and being as though Experian has not received any written instructions from a federally protected consumer. Experian has stolen my identity under 12 CFR 1022.3. Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
I have the right to make sure my private information isnt shared, which is backed by 15 U.S.C 6801. 
These are the accounts I want removed from this credit profile : 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 2023-12-15 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: SC

Complaint narrative:
These inquiries including on the attached police report document provided are fraudulent and i did not authorize, they are fraud inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: TX

Complaint narrative:
I called Transunion to get my credit report on XX/XX/2023, and after receiving it, I noticed some hard inquiries do not have a permissible purpose according to 15 USC 1681b. I also attached my credit report and a letter showing that XXXX is violating the FCRA.

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 2023-12-15 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: GA

Complaint narrative:
15 USC 1681I ( ii ), it is crucial that accurate information is reported on my credit profile. The incorrect entries on my report are damaging my creditworthiness and financial reputation, which is unacceptable given the protections afforded to consumers under the law. This account was removed previously and now has been reinserted. According to the law before reinserted account, the consumer must be notified, and I wasn't. My identity was taken, and Falsey inserted on my credit. 

ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT # 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 2023-12-15 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: GA

Complaint narrative:
15 USC 1681I ( ii ), it is crucial that accurate information is reported on my credit profile. The incorrect entries on my report are damaging my creditworthiness and financial reputation, which is unacceptable given the protections afforded to consumers under the law. This account was removed previously and now has been reinserted. According to the law before reinserted account, the consumer must be notified, and I wasn't. My identity was taken, and Falsey inserted on my credit. 

ACCOUNT XXXX XXXX XXXX XXXX  ACCOUNT # 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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account was part of a covid-19 forbearance. When the covid-19 forbearance ended they marked me as 120 days late even though our arrangement to get it current was fulfilled and no payments missed. This is fully inaccurate, proof enclosed. The loan underwent a loan modification that included 3 trial payments to be made in XXXX, XXXX, and XX/XX/2023. The conditions of those payments stated that as long as the payments were made in the month they were due, they would be considered on-time and apply. All three payments were made. At the end of the three payments, their information suppression failed causing a 120 day late saying no payments had been made, even though they had. Please note that for XXXX payment, it was posted on their website in XXXX but the charge did not hit my bank until XX/XX/XXXX. This does not affect the agreement as it was scheduled via their online portal. They removed this late data before recognizing it was a mistake, only to reinsert it without warning. All three trial payments were made but upon completion of the trial payments my account was immediately flagged as 120 days late.

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 2023-12-15 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:
This account was part of a covid-19 forbearance. When the covid-19 forbearance ended they marked me as 120 days late even though our arrangement to get it current was fulfilled and no payments missed. This is fully inaccurate, proof enclosed. The loan underwent a loan modification that included 3 trial payments to be made in XXXX, XXXX, and XX/XX/2023. The conditions of those payments stated that as long as the payments were made in the month they were due, they would be considered on-time and apply. All three payments were made. At the end of the three payments, their information suppression failed causing a 120 day late saying no payments had been made, even though they had. Please note that for XXXX payment, it was posted on their website in XXXX but the charge did not hit my bank until XX/XX/XXXX. This does not affect the agreement as it was scheduled via their online portal. They removed this late data before recognizing it was a mistake, only to reinsert it without warning. All three trial payments were made but upon completion of the trial payments my account was immediately flagged as 120 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: SECURITY FINANCE CORP
State: OK

Complaint narrative:
I requested the investigation and documents that prove I gave XXXX permissible purpose to furnish this account XXXX in my consumer report. They have not responded to my letter I sent on XX/XX/23 in which they received on XX/XX/23. This is a violation of the Federal Trade Commission & Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I CONTACTED JP MORGAN CHASE CLAIMS DEPT ON XXXX TO REPORT FRAUDULENT UNAUTHORIZED SUSPICIOUS ACTIVITY ON MY DEBIT CARD ENDING IN XXXX FROM MULTIPLE COMPANIES ALL WITHIN THE SAME TIME FRAME FROM THE FOLLOWING MERCHANTS BED BATH BEYOND FOR {$190.00} ON XXXX, XXXX XXXX {$96.00} ON XXXX, XXXX {$36.00} ON XXXX, XXXX {$65.00} ON XXXX FOR A TOTAL AMOUNT OF {$380.00}. JP MORGAN STATED THEY WOULD INVESTIGATE MY CLAIMS AND ISSUED A PROVISIONAL CREDIT FOR THE ITEMS MENTIONED ON XXXX CLAIM # XXXX. HOWEVER ON XXXX THEY STATED THAT I AUTHORIZED THESE TRANSACTIONS AND THAT THEY WOULD BE REMOVING THE CREDITS ON XXXX AND XXXX LEAVING MY CHECKING ACCOUNT IN THE NEGATIVES STATUS. I CALLED JP MORGAN CHASE CLAIMS DEPT ON XXXX AT XXXX XXXX AND SPOKE WITH A CLAIMS REPRESENTATIVE BY THE NAME OF HONEY SHE DID NOT SHOW ANY WILLINGNESS TO HELP ME OR CLARIFY ANY INFORMATION REGARDING MY CLAIM I THEN ASK FOR SUPPORTING DOCUMENTATION TO BE SENT TO ME SHOWING THERE FINDINGS HOW THEY CAME UP WITH THE DECISION TO REVERSE MY CREDIT DENY MY CLAIM SHE REFUSED AND STATED THAT SHE ALREADY TOLD ME MY CLAIM WAS DENIED DUE TO ME STATING I HAD THE CARD IN MY POSSESSION. I REQUESTED TO SPEAK TO A SUPERIOR ABOVE HER TO CLARIFY SOME INFORMATION ABOUT MY DENIAL SHE PUT ME ON HOLD AND THEN STATED THAT SHE WILL NOT BE TRANSFERRING ME TO A SUPERVISOR BECAUSE SHE ALREADY TOLD ME THE REASON OF MY CLAIM BEING DENIAL JUST SUPER RUDE IT HAS ME WANTING TO LEAVE CHASE BANK FOR THIS UNCALLED FOR BEHAVIOR I FELT HELPLESS BECAUSE AT THAT POINT SHE ALSO REFUSED TO FILE A REINVESTIGATION STATING THAT THERE IS ONLY ONE TIME I CAN FILE A DISPUTE PER TRANSACTION EVEN IF THE CLAIM WAS FILED INCORRECTLY WHICH I STRONGLY BELIEVE THE CLAIM WAS WHY WOULD CHASE DENY MY CLAIM AND DENY ME ANY FURTHER ASSISTANCE AS A CUSTOMER I BELIEVE MY CARD WAS PART OF A SKIMMING DETECTION WHERE MY INFORMATION WAS COPIED AND THEREFOR MY CARD WAS USED BUT I ALSO STATED TO THE REPRESENTATIVE THAT I DID NOT HAVE THE CARD IN MY POSSESSION THAT I HAD A NEW CHASE CARD AT WHICH DID NOT MATCH THE NUMBERS OF THE CARD USED TO COMMIT THE FRAUD I WANT CHASE TO REINVESTIGATE THESE CLAIMS AS THESE TRANSACTIONS WERE NOT COMMITTED BY ME!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 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: NJ

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit 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 2023-12-15 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: NJ

Complaint narrative:
Someone has been trying to apply for credit using my name. The following Credit Inquiries are NOT mine nor did I ever consent or authorize any of these companies to pull my credit. Please investigate this issue and send me the results and IMMEDIATEDLY remove form my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Grain Technology, Inc.
State: TX

Complaint narrative:
I had previously contacted Grain about access to my account. They responded with this " We have now implemented a more secure and efficient verification process. For this reason, you were required to go through the additional verification steps. Unfortunately, when you completed ID Verification, the system couldnt verify you. Because the system can not verify your ID, you no longer have access to your account. Some of the reasons for this may be but are not limited to not completing the security questions correctly, not uploading all the documents required, uploading expired documentation, uploading photocopies and not the original documents, and pictures that are blurry, hard to read, or cut off. We understand completely that this is not the outcome you had expected but unfortunately, we can not change the decision that has been made. '' I understand and accept the outcome however I am entitled to a refund of my security deposit and I would like that immediately since my account is closed and can not be reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cohn, Goldberg & Deutsch,LLC
State: MD

Complaint narrative:
I am writing to file. a complaint against Cohn , Goldberg & Deutsch , LLC for their egregious violation of the Fair Debt Collection Practices Act. I received a letter from this company dated XXXX XXXX stating that they are attempting to collect a debt and that I had I until XXXX XXXX to request validation of the debt, and if not, the debt would be assumed valid. 

In response, I promptly sent a letter by USPS certified mail tracking # XXXX in response to that letter on XXXX XXXX which was received by this company on XX/XX/2023 at XXXX, which was well within the timeframe. Despite this, Cohn , Goldberg & Deutsch , LLC failed to acknowledge the debt validation letter to provide any proof of the allege debt. Which it is now assumed invalid. 

To my dismay, I discovered that on XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed a claim in XXXX XXXX, MD District Court, which not only contradicts the FDCPA but also constitutes unfair and deceptive practices. They have not only disregarded my request for debt validation but also pursed legal action without proper verification. 

It is essential to note that I have mail forwarding from my previous address to my current address which was provided to the company in the letter received by them, and I use USPS informed delivery to monitor incoming mail. Despite this, Cohn , Goldberg & Deutsch , LLC has not sent any response or validation documents. 

Within the 30-day timeframe specified by the FDCPA, all collection activities were supposed to cease and desist until validation was provided, giving me 30 days to investigate once received. However, Cohn , Goldberg & Deutsch has provided no response, denying me the opportunity to validate the allege debt. 

Furthermore, I sent another letter Dated On XX/XX/2023 which the company received XXXX XXXX at XXXX ( USPS tracking XXXX ) explicitly informing them of their FDCPA violations and the lack of grounds to purse legal action. In this letter, I emphasized that any attempt to sue would result in a lawsuit being filed against their company for damages deemed reasonable. It is crucial to note that I made them aware that their silence would be considered acquiescence, implying their agreement to be sued for any claims I may file against them. 

Despite these explicit warnings and attempts at resolution, the company has failed to respond, further demonstrating a blatant disregard to the FDCPA and a lack of commitment to their duties and resolving this matter amicably. 

Your assistance in addressing this matter and holding Cohn , Goldberg & Deutsch , LLC accountable for their actions is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I need to unfreeze my credit. Experian wont allow me to login to unfreeze my credit. 
None of their online or automated phone systems, fixes my issue. There is no option let you speak to a live person or chat with a live person, to resolve my issue. 
This happened on XX/XX/2023.

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 2023-12-15 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am requesting the correct name, address, phone number and fax for the legal representative who accepts summonses on behalf of Care Credit Synchrony. I will be filing a suit against Care Credit Synchrony for willful and negligent violation of the FCRA.

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 2023-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Entrata Inc.
State: TN

Complaint narrative:
Resident Verify by Entrata is engaging in fraud and identity theft. I did not give them consent or authority to share my personal nonpublic information. Resident Verify by Entrata does not have my consent to have and share my private personal information. They are a nonaffiliated third party and they are involved in aggravated fraud and identity theft. They are violating my right to privacy as a consumer by reporting inaccurate, false, damaging information to consumer reporting agencies. They are in violation of multiple federal laws. My only name is XXXX XXXX. My only address for the past XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, TN XXXX.

Company response to consumer: Closed with explanation