vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I applied for a credit card over the phone and was immediately turned down without explanation. I waited over a week to get a explanation. It was because Transunion reported that I have no credit score. I called Transunion and was told that I do have a credit score and they can see that I have two credit cards. Transunion told me I must pay them to see my credit score and sent it to credit card company so I can straighten out their error. I was told it was XXXX cents on Transunion website. I went to website and all I could find was {$24.00} for credit score and credit monitoring with auto deductions from your credit card. The option I was told about was not there. Why should I pay for their mistake??? They should fix this problem or give me proof that I have a credit score so I can provide it to the credit card company.

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 2024-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-03-19 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:
FINAL ATTEMPT AT RESOLUTION WITHOUT COUNSEL SEE SCREENSHOT- CHARGED OFF ACCOUNT REPORTING AS LATE EACH MONTH- CRA WILL NOT CORRECT WITHOUT INSTRUCTION FROM XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-03-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against XXXX  regarding the unlocking of my devices following a payment made to a collection agency for a settlement offer. On XX/XX/2024, I made a payment to ( Amsher Collection Services ] for a settlement offer of XXXX arranged with XXXX. The agreed settlement amount was paid in full as per the terms provided by the collection agency. 

However, upon contacting XXXX to request the unlocking of my devices, I was informed that I would need to wait an additional 30 days before my devices could be unlocked and pay the full amount of {$1500.00} when I was given the option to pay the settlement amount which would settle the account. This information was not communicated to me before making the payment to the collection agency, nor was it outlined in any correspondence or agreement provided by XXXX or the collection agency. 

I have attempted to resolve this issue directly with both XXXX  and the collection agency, but I have not received satisfactory assistance. XXXX insists that I must wait 30 days for the unlocking process to be completed, despite having fulfilled the terms of the settlement offer. 

This situation has caused undue inconvenience and frustration, as I rely on these devices for communication, work, and my children. I believe that XXXX 's failure to unlock my devices in a timely manner after the settlement payment constitutes unfair and deceptive business practices. 

Therefore, I am requesting the following actions : XXXX. XXXX unlocking of my devices by XXXX. 
2. Investigation by the Consumer Financial Protection Bureau into XXXX 's policies and Amsher collection services and practices regarding device unlocking following settlement payments to collection agencies. 
3. Appropriate remedial action to ensure that other consumers do not encounter similar issues in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit. it is my understanding that will investigate these items for me to ensure accuracy. 
Here is the item i am asking you to verify as accurate. 

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 2024-03-19 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: MA

Complaint narrative:
I am writing to express my profound disappointment regarding the unresolved status of my filed complaint concerning the account referenced in my previous correspondence. Despite my efforts to rectify the inaccuracies on my credit report, I have yet to receive a satisfactory 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 2024-03-19 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:
It has come to my attention that there are errors on my credit report. 
Case law in XXXX vs. Trans Union, courts ruled that information may not seem to be parroted and that a reasonable investigation must take place upon receipt of a consumer complaint. According to the FCRA, when a credit reporting agency receive a dispute the CRA must prove it or remove it. 
I am demanding the proof be provided that these accounts are in fact mine or removed. Simply verifying that names, addresses and/or Social Security numbers match is insufficient. That s what fraud is, using information belonging to someone else to obtain credit. DO NOT tell me I need to file a police report, as there is no requirement to do so under the Fair Credit Reporting Act. Is your obligation under the FDCPA to prove it or remove it. 
In XXXX Vs XXXX XXXX XXXX XXXX XXXX, the courts said, during a dispute and subsequently investigation, with the original creditor, collector, or a credit bureau, that the original creditor or collector must provide account level documentation. That means an original contract, or similar proof, not just a printout of the payments that were made. 
I am also notifying you that pursuant to 15 USC 1681 ( a ) that you should be aware that information furnishers have lost number suits and are unreliable. 
I will wait the appropriate time as prescribed by law at which time I will proceed to protect my good name and avail myself of any and all legal rights, including but not limited to look at auction. 
Please make the requested delete on the following accounts XXXX ACCOUNT NUMBER XXXX. 
XXXX  XXXX XXXX ACCOUNT NUMBER NOT REPORTED. 
XXXX  ACCOUNT NUMBER XXXX. 
XXXX XXXX XXXX ACCOUNT NUMBER XXXX. 
XXXX XXXX ACCOUNT NUMBER XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please review the attached documents. I request that the bureau initiates an investigation into these accounts. I have never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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:
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 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Please review the attached documents. I request that the bureau initiates an investigation into these accounts. I have never been late on this account.

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 2024-03-19 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: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
OK on XX/XX/XXXX, I did an E sign I did not get vehicle until XX/XX/XXXX XXXX from XXXX XXXX XXXX XXXX in XXXX in funded from the credit acceptance corp its a nightmare situation. They have taken advantage of me and knowingly I feel extortion is the correct word I was told I have gap then service contract its still on contract then last thing I sign is paper stating my funding was capped I dont get those ok fine well they wont make my payment reflect the correct amount of XXXX instead of XXXX they took off service contract verbally but contract and amount are same at 24 % interest also snuck paper saying I owe XXXX more in 30 days after XXXX down payment they wont let me out of nightmare it states if contract is changed or edited then its void I would like to save my future from this get my money back and lets move on there a terrible company I found out

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 2024-03-19 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: PA

Complaint narrative:
I did not authorize XXXX, nor did I authorize XXXX XXXX to obtain my credit report, fees, inquiries or a unauthorize. I filed an identity theft report, and I disputed these inquiries on several occasions, I have also ask for a method of verification to which Trans Union has filed ti provide me. This is a violation of permissible, purpose clause.

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 2024-03-19 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: PA

Complaint narrative:
According to FCRA XXXX, it's mandatory to eliminate any erroneous entries from my credit report. Would you mind verifying the documents? A few of the mentioned accounts contain inaccuracies in their reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: GA

Complaint narrative:
15 U.S. Code $ XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! 

Reported Addresses : XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Accounts : XXXX XXXX XXXX {$2100.00} XXXX  XXXX - opened XX/XX/XXXX, {$590.00} Collections : XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX - {$1.00}, XXXX XXXX XXXX XXXX - opened XX/XX/XXXX - {$800.00} XXXX  XXXX Bankruptcy - Discharged-XXXX  XXXX, XXXX. 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 

Under 15 U.S. Code 1681b - Permissable purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I instructed all XXXX credit bureaus to put an extended 7 year FRAUD alert on my file and to stop giving my information out against my wish. My former employer and specifically the money laundering organization XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX MO XXXX who laundered my recovery from the SEC enforcement act and is continuing to launder from XXXX and XXXX stole my cell business phone and a brand new android I had yet to use a few days ago. They have been cyberstalking me since XXXX  and heard anti trust agents tell me my credit was so good and ask me what my name was. I knew I was being cyberstalked so I said XXXX XXXX  and absolutely said I would testify against these criminals. They waited and stole my identity again and continue to tamper with a federal witness by way of unathorized cyber attacks and lurking without my authorization. All my communications have been monitored since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: CT

Complaint narrative:
On XX/XX/XXXX, Credit Karma locked both my save and spend accounts due to a duplicate deposit that was issued in error from another institution while using the Credit Karma app.

At the request of Credit Karma, I contacted the other institution and they had me submit paperwork to reverse the duplicate transaction ; credit karma then locked both of my accounts, sent a generic email to me on XX/XX/XXXX requesting documentation ( which I immediately provided same day ) and daily calls and chats since have resulted in no further contact from their special higher department.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX, EXPERIAN, XXXX I am writing to update/correct my personal information on file with your company. 
My ONLY Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove all the other addresses off my report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
PLEASE STOP PUTTING HE ADDRESSES BACK ON MY REPORT AS THEY ARE NOT MINE YOU ARE IN VIOLATIONS OF MY RIGHTS My name is XXXX XXXX Please remove any other aliases. 
Please remove all phone numbers. 
Sincerely, 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 2024-03-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have had three private student loans with Navient since XXXX. They have horrible variable interest rates, currently at 10 %, 12.5 % and 18.5 %. These private student loans were taken out to pay for my education at XXXX XXXX  that defrauded me. I had over {$90000.00} in federal student loans already discharged due to this school because my Borrower Defense to Repayment application was approved. Now I currently have roughly {$75000.00} in private student loan debt that I feel should be discharged because they were taken out for the same education that my federal student loans were. When I signed for these private student loans I had no idea what anything meant and did not know the interest rate I was agreeing to or even that it was variable. All I was told by the financial advisor at XXXX was that I needed to take out the loan to continue my education. XXXX also completely lied about their job placement rates saying 90 % of their graduates were hired in their field within six months of graduation, which never happened for me. They also had a flyer they showed me that said how much a graduate is expected to make with their degree which was also a lie. 

Navient has been incredibly unhelpful in providing me any assistance with these private student loans, as they basically always say there are no options for me. I've paid them XXXX  of dollars and the loans have done nothing, but increase in amount. According to their website I have an expected pay off date of XXXX. That is a total of XXXX  years!! I can expect to never pay off these loans. Navient is now expecting me to pay a total of roughly {$1000.00} per month on these loans and I can't financially afford it. 

Navient is currently offering a new school misconduct program for private student loans to people who have been defrauded by their schools. I would like to apply for this program to hopefully, finally be done with this nightmare that is dealing with private student loans

Company response to consumer: Closed with explanation