vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX | XXXX SSN : XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX RE : Fraudulent Inquires. You Violated the United States Code Law 15 U.S.C. 1681n. I demand you to comply NOTICE, this letter is a follow-up to the original letter I sent to your company. It seems that you are being willfully noncompliant. Specifically about the following unauthorized, false and fraudulent credit inquiries that were made by the following companies : Inquiries in Dispute : XXXX. Made by your company XXXX on XXXX. 

Made by your company XXXX on XXXX. 

Made by your company XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Made by your company XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Made by your company XXXX XXXX XXXX XXXX  XXXX XXXX ) XX/XX/XXXX Made by your company XXXX on XXXX XXXX 

Made by your company XXXX on XXXX. 

Made by your company XXXX on XXXX. 

Made by your company XXXX XXXX on XXXX. 

Made by your company XXXX XXXX XXXX. 

Made by your company XXXX XXXX ( XXXX  ) XX/XX/XXXX Made by your company XXXX XXXX XXXX XXXX ) XX/XX/XXXX Made by your company XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX Made by your company XXXX ( XXXX  ) XX/XX/XXXX My first request was simple. And you failed. Miserably. You provided absolutely no documentation or proof that the inquiries in question were obtained pursuant to the Fair Credit Reporting Act. Once again, you gave an entirely inappropriate response by encouraging me to deal directly with the furnisher. 

I have maintained the previous record of my communication with your company. If your company Fails to remove these fraudulent inquiries within 30 days of receipt of this certified letter. I am strongly considering filing a small claims action against your company, seeking {$1000.00} per violation for knowingly and purposefully furnishing deceptive forms, knowingly enabling Identity Fraud and sharing my personal information without my written permission or my consent. 

Sincerely,

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 2023-09-21 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: MD

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2023-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: VA

Complaint narrative:
XXXX XXXX  XXXX Department acted prematurely and wrongfully processed a notification like it was a court-ordered levy garnishment from XXXX XXXX XXXX XXXX XXXX ) to garnish my savings account in the amount of {$10000.00} on XXXX, XX/XX/XXXX without a legal court order to do so. The XXXX XXXX County Government Clerk of Superior Court stated that the court has not issued a levy garnishment to XXXX  on behalf of Calvary SPV I LLC to garnish my account because the case has not gone to court to be ruled on. My account is now overdrawn - {$9000.00} with a pending Exceptions/Administrative Hold until XX/XX/XXXX. My complaint is that Calvry and Levy Law Firm XXXX acted with reckless abandonment without court consent and violated my consumer rights to oblige the underbelly tactics of debt debt-collecting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I was not able to access my online banking so I called Citibank XXXX. The directed me to fraud account. They told me I can not have any access to me access and that they would send me a letter in XXXX to XXXX  days.

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 2023-09-22 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am past due on my balance. I missed a payment. One payment. I am getting calls all day long. Literally from XXXX to XXXX from various numbers. To the point of harrasment. At least 5-6 calls a day. This is a violation of the law and my rights. It needs to stop. This is not necessary for one missed payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 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. 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2023-09-21 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: FL

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX and Equifax are reporting that a mortgage I had was included in a Bankruptcy Case when I paid off the balance and satisfied all my mortgage obligations. I have provided proof that this was not the case and they still continue to report false information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 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: FL

Complaint narrative:
I am writing to request your assistance in resolving a credit-related issue that I have encountered. I have made several attempts to rectify the situation directly with the creditors and credit reporting agencies involved, but my efforts have been unsuccessful thus far. 

Fraudulent Credit inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-09-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to request your assistance in resolving a credit-related issue that I have encountered. I have made several attempts to rectify the situation directly with the creditors and credit reporting agencies involved, but my efforts have been unsuccessful thus far. 

Fraudulent Credit inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2023-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
NCA is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4300.00} does not belong to me. This account was fraudulently opened through this company in XXXX XXXX XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am 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 explanation
Consumer complaint received 2023-09-21 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: OH

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 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: V and H Portfolio
State: WI

Complaint narrative:
Under the complaint including the 15 U.S.C 1681G Law violation, I have reviewed my credit report and somehow a third party get my information without provided any document who they are and how they get my information, I would like this to be remover off my report, The company : Vance & Huffman they company they are spooned XXXX XXXX XXXX, Get phone call and email try to threat me but could not provide who there are and how long the receiver my information in there office.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: LJ Ross Associates
State: PA

Complaint narrative:
I have debt collection company attempting to collect an unknown debt and reporting false information on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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: GA

Complaint narrative:
Transunion is reporting 2 account incorrect. The XXXX XXXX XXXX  is not my account and she be removed asap. The other account which is XXXX XXXX she be reporting charge off. They have already repossessed car and sold it.

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 2023-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am writing about account XXXX As I have stated in an earlier complaint this company is ridiculous now because I filed a complaint they are holding my money till the end of the day illegally. This is not legal to do in the United States of America unless the customer agrees ahead of time. 

I am starting to see that PayPal is acting in a discriminatory way that may constitute racism.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SunTx Capital Partners
State: CA

Complaint narrative:
In XX/XX/XXXX, I called the finance company to make my last payment, as I always called in my payments. I was informed that I owed {$8500.00}, which I was unaware of what that was for. My last payment was only {$1800.00}. When I asked what the {$8500.00} was for, the representative was unable to tell me what the fees were for. He simply said he did not know, and the system did not indicate what the extra amount was for. I immediately disagreed and I followed up with a second phone call in XX/XX/XXXX, wherein I spoke with a different person, and that person again was unable to tell me what the charges were for. All he was able to tell me was that it was my balance due, and I needed to pay in full. I was getting nowhere by with my phone calls in attempting to get this serious issue resolved so XX/XX/XXXX, I decided to write them an email requesting a copy of my contract and full disclosure of my account payments, fees and any miscellaneous charges. I specifically requested for them to highlight the paragraphs explaining what the extra fees were for. NO RESPONSE WAS RECEIVED. 
NO DOCUMENTS WERE EVER SENT, CONTRACT WAS NOT SENT EITHER. 
I called again in XX/XX/XXXX, and again I was told they did not know what the charges were for, I just needed to pay the balance due of {$8500.00}. I called again in XX/XX/XXXX, and XX/XX/XXXX, the story was always the same. I decided to review my credit report to find out what they were reporting and noticed that throughout the life of the loan, no payments were reported late which confirmed what I was telling them that I did not pay late so I should not have any late fees. I called the finance company again in XX/XX/XXXX, when I noticed that they started reporting late payments and their actions were causing a negative impact on my credit by causing a decline of my credit scores. When I called them, I let them know that in the four years I called in to make my monthly payments, I was never told the payment was late, nor was I told there were any late fees added to the payments. I was never told the payments were late and I NEVER received a late payment notice by email or by mail. This was the FIRST TIME I had ever heard of any fees, which was strange because they waited until I called in to make the final payment. TO DATE, I have been told I have to pay the {$8500.00} if I want them to release the TITLE for my vehicle. I have since decided to start paying on the {$8500.00} even though my auto loan has been CHARGED OFF, instead of reporting Paid as Agreed. I am unable to make the full payment as they are requesting but will continue making monthly payments until this is resolved. PLEASE HELP!

Company response to consumer: Untimely response
Consumer complaint received 2023-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: IL

Complaint narrative:
A fraudulent account was opened in my name that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: WA

Complaint narrative:
I moved out of apartment left the unit nice did walk thru did check out list they even mailed me my deposit in full right after I moved. then a year later with out any notification sent me to collections for fees they now say I owe. this is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Hello I believe that I ' m owed a total of {$15.00} to my wal greens credit card which is issued via synchrony bank.

I did have all an offer added to my wal greens card card to get {$5.00} back per recurring monthly bill payments charges.The promo is good up to {$50.00} total by end of XXXX  year.I 've only be awarded a total of XXXX so far out of the XXXX {$5.00} earned on XX/XX/XXXX ( Which went to my XXXX XXXX  Payment on XX/XX/XXXX ) ( About 35 days to process ) {$5.00} on XX/XX/XXXX ( Which went to my XXXX XXXX Payment on XX/XX/XXXX ) ( 12 Days to process ) Which would leave XXXX more dollars I can earn with 8 payments for {$5.00} per re accruing payment for the rest of XXXX that I could earn. 

I have 3 payments they won't send the {$5.00} credit per transaction I made an auto payment for my phone coverage that cleared on XX/XX/XXXX for {$35.00}. ( XXXX XXXX ) I made an auto payment for internet/ cable service XXXX that did clear on XX/XX/XXXX. For {$49.00} I made an auto payment for my Phone coverage that cleared on XX/XX/XXXX for {$35.00}. ( XXXX XXXX ) However I still don't have the credits added to my account ( $! XXXX ). I do have some screenshots of proof of auto payments if needed along with screenshots of the Walgreens card offer itself.

The Walgreens offer was added to my card was suppose to be good on these re curing payments from XX/XX/XXXX until XX/XX/XXXX. 

I did try to Contact synchrony Bank via Chat on Tuesday XX/XX/XXXX. Spent about a half hour taking with them to get no answer just told me to " call Walgreens customer service " which makes no sense as the credit card, payments and offers are all with synchrony and NOT Walgreens. Please help me get my $! XXXX earned. 
Tried again to speak with a " manager '' On Thursday XX/XX/XXXX ( XXXX XXXX. Employee number XXXX ) he did nothing to help either. Didn't want to hear my issue, and wouldn't provide contact info for consumer affairs department for me to handle on my own. 
Leaves me no choice but to file this complaint If they don't want to pay the money they are advertising they should stop fir this misleading and false program. 
Please advise

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