vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-27 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Closed Accounts : XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX : TransUnion XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 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 of 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 2023-12-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Larry H. Miller Group of Companies
State: NJ

Complaint narrative:
My vehicle was XXXX XX/XX/23 I was told I owed XXXX for XX/XX/XXXX I couldnt make a payment til XX/XX/23 I offered the XXXX the said not enough I offered {$800.00} they declined saying I owe repo charge and my car wasnt repo as yet i asked verify debt since that day XX/XX/23 its been roughly a month no verification letter but was sent a bill yesterday wit late fee charging and they never validated debt prestige breach the peace tricking me threatening me and over charging me for a debt Im not responsible for to prestige

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
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 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 2023-12-27 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: NY

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 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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
CREDIT COMPANY FALSELY STATES THAT THEY DO NOT HAVE MY CREDIT FILE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates have been calling me for years regarding a XXXX XXXX credit card debt -- - I'm not confirming that the debt is even mine -- - for which the statute of limitations has long been expired ( XXXX years expired ). I have repeatedly asked them to stop calling me, but the continue. In addition to the continual phone calls, they send me letters on a ~monthly basis. They have followed me across multiple phone numbers and home addresses in multiple states.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: MO

Complaint narrative:
Experian closed another complaint without addressing the issue and giving explanations that have absolutely nothing to do with the problem give back my on time never late payments to 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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Data breach wrong address and no verification on bankruptcy

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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Data breach wrong address and no verification on bankruptcy

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 2023-12-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I received A refund check from Navy Federal Credit union in the amount of {$98.00}, for my escrow. During the months of XXXX and XX/XX/XXXX, I paid extra escrow in the amount of {$450.00} to cover the shortage just in case there was one.

Navy stated to me that my Home owners insurance went up more. My question to Navy Federal was that if you sent me a refund check of {$98.00} Why is my monthly payment going up from {$860.00} to XXXX. The representative stated that was for my insurance. To me it does not make since. 

The increase is suppose to take effect on XX/XX/XXXX. 

If I paid the extra XXXX, and received a refund, my payments should not have gone up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I deposited 3 United States Treasury income tax checks for XXXX, XXXX & XXXX on XX/XX/XXXX with a bank teller @ the 5/3rd branch. 

I tried to use my atm card on XX/XX/XXXX at a restaurant & was advised that my card was locked. 

I called the bank 's customer service XXXX # the next day and was directed to The Fraud Detection Department ; in which they suspected fraudulent activity & needed copies of my 1040 IRS tax returns. I told them I've never heard of a customer having to submit 1040 tax returns, when cashing United States Treasury income tax checks. I went to the branch & was on a conference call with the fraud department & a banker, in which I was asking the reason for submitting documentation to go along with cashing U.S. Treasury checks. They just stated to show proof of these checks. 

I feel this is unlawful for any bank to request tax returns, in order to cash United States Treasury checks. I've never in my lifetime been asked to submit 1040 tax returns to cash these government income tax checks. I've been banking with 5/3rd bank for over 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: TX

Complaint narrative:
I received an email from Chime that i have opened an account. I did not authorize the account being created and it used outdated information. I called the company and they are unable to provide information on how this account was created and mentioned on how to safeguard information, when its hard to because companies don't protect information that well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Report Number : XXXX Date Ready : XX/XX/2023 Source : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are Chargeoffs, they have no scheduled due dates. Why are they being reported late every month? I demand that these accounts be deleted from my account Also These Organizations have XXXX XXXX these accounts. 
WHERE ARE MY XXXX RELATED TO THESE CHARGE OFFS?

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 2023-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Security Credit Services, LLC
State: NY

Complaint narrative:
The debt collectors called I told them this was not on my credit report and had no clue what it was, the girl was very rude and stated it will be on my credit report soon enough either pay it or it will reflect on uour report, and you wont have another opportunity to pay, sure enough its on my credit report and they will no longer take my calls

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: WV

Complaint narrative:
On XX/XX/XXXX, Discover informed me they had reduced my credit limit by 25 % on XXXX card and by over 70 % on my other card, severely impacting my FICO credit score, which according to Discover 's site is currently XXXX, which does not seem to warrant this negative action. I have always made my payments on time and have never given Discover any reason to suspect I won't pay them. This is after they attempted to close my accounts previously due to their own errors and what I suspect was discrimination, as I documented in a previous complaint. I suspect that this action may be in retaliation for that complaint or further discriminatory action, as no other credit card company has taken such actions against me and I receive several offers per week for new cards from other companies. This is now the second time Discover has taken negative actions against me that I've had to bring to this agency which negatively affected my credit score and financial planning for which there does not appear to be a good reason other than they just don't like people like me. My current credit profile looks very much like it has at other times I've had cards with Discover when I had major purchases to make, such as the XXXX holidays, and I've always paid on time, and returned to a favorable credit usage status on my credit report overall so I'm left to believe it's simply retaliation for my previous complaint or discrimination. I didn't bother contacting the company because the last time I had a complaint, which was resolved in my favor, they gave me the runaround for weeks wasting hours of my time and forcing me to complain to this agency to obtain correction of their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: IN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 2023-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
They drafted a double payment from my account. I called the day it cleared and asked how to get the payment refunded. I spoke to employee XXXX and he told me that my bank needed to send in proof showing it was drafted twice with the trace numbers. I immediately called the bank and it was sent the same day. He said the payment would be returned within 48 hours. I called back when the payment wasnt returned and spoke to employee XXXX who stated that it takes 5 days and I would receive it by Tuesday XX/XX/ which was after XXXX and this money was to buy my kids XXXX. So today XX/XX/ I called back and spoke to employee XXXX who stated that nothing was revenge on the bank even though employee XXXX said it was and that it needed to be refaxed and it would be 5 more days before I receive the refund. This is a large amount of money and they are messing a lot of things up for me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Regarding erroneous information reported on my credit report, I filed disputes with TransUnion, XXXX, and XXXX. I informed the accounts of the infractions they were committing against my consumer report. They still haven't responded after more than 30 days. I've included copies of every letter you sent below. 

By neglecting to designate this disputed account as disputed, this company has broken FCRA 623 ( a ) b ).

The date of the last activity on this account is reporting, so if the period has also been broken, 605 ( c ) is running. when the most recent payment date ought to be displayed.

The FTC believes that this company has consistently violated FDCPA 809b by failing to validate this collection 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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Regarding erroneous information reported on my credit report, I filed disputes with XXXX, XXXX, and Experian. I informed the accounts of the infractions they were committing against my consumer report. They still haven't responded after more than 30 days. I've included copies of every letter you sent below. 

By neglecting to designate this disputed account as disputed, this company has broken FCRA 623 ( a ) b ).

The date of the last activity on this account is reporting, so if the period has also been broken, 605 ( c ) is running. when the most recent payment date ought to be displayed.

The FTC believes that this company has consistently violated FDCPA 809b by failing to validate this collection 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 2023-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Name : XXXX XXXX XXXX of birth XXXX  Social security XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX My information was sold and bought illegaly because I was a victim of the Equifax data breach, I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. Account names are estimated amount for each is XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5600.00} XXXX Credit cards $ {$1800.00} 3.Collections {$5900.00} Thank you for your attention. 
Email XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: VA

Complaint narrative:
I called XX/XX/XXXX trying to find out why I had not received a billing statement for XX/XX/XXXX. My normal billing date is the XXXX of the month, so I should have received a billing statement by XX/XX/XXXX. When I reached out to Mohela regarding the issue, they stated they did not have enough time to update my account so my next payment would be XX/XX/XXXX. I asked the representative about XXXX as I am pursuing PSLF and XXXX would have been my XXXX payment. The representative said that XXXX would not count towards PSLF as I would not have a payment due. They are forcing me to wait until XXXX to make my final payment, even though the extension into XXXX was no fault of my own. I just want to be able to pay my Jaunary payment so I can submit my Employment certification form for the completion of the PSLF program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation