vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-26 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: MD

Complaint narrative:
I am writing to formally file a complaint against TransUnion for violations of the Fair Credit Reporting Act ( FCRA ) concerning the verification of bankruptcies in the public records section of my credit report. Despite my requests, TransUnion has failed to provide adequate information regarding their method of verification, as required by the FCRA.

Additionally, I have obtained a letter directly from the US Bankruptcy Court confirming that they do not report information to credit reporting agencies and do not verify such information. This directly contradicts TransUnion 's claim of verification and raises serious concerns about the accuracy and legality of the information they are reporting.

The FCRA, specifically under Section 611 ( a ) ( 7 ), mandates that credit reporting agencies ( CRAs ) must disclose the method of verification used for any disputed items on a consumer 's credit report. Failure to provide this information is grounds for the immediate removal of disputed items.

I have made repeated attempts to resolve this matter with TransUnion, requesting detailed information on their verification process. However, they have consistently refused to disclose this critical information, which is essential for me to verify the accuracy of the reported bankruptcies.

Attached to this complaint, you will find a copy of the letter from the US Bankruptcy Court confirming their non-reporting and non-verification policy.

I respectfully request that the Consumer Financial Protection Bureau investigate this complaint thoroughly and take appropriate enforcement action against TransUnion for their non-compliance with FCRA regulations. Specifically, I request the prompt removal of the inaccurate bankruptcy information from my credit report and assurances that TransUnion will adhere to FCRA standards in the future. 

Thank you for your attention to this matter. Please do not hesitate to contact me at the above phone number or email address if you require any additional information or documentation.

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 2024-06-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to request that the following inquiries are removed from my credit report, as I did no authorize them, and they are harming my ability to obtain new credit. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
I received a text message from XXXX stating the following : " Associated Bank : Did you attempt to use your debit card for {$2000.00} Scheduled XXXX Payment Reply Y ( Yes ) or N ( NO ) Msg & data rates may apply. '' I do not have XXXX, nor do I have {$2000.00} lol. 

Additionally, I have been called by private numbers twice since. Also, I have been called by XXXX and XXXX, and they are persistent and definitely malicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On Monday XX/XX/XXXX at XXXX XXXX XXXX. I receive a stall letter from Experian. So I did not have time to contact them because it was too late at night. ON Tuesday XX/XX/year> at XXXX XXXXXXXX XXXX I called Experian, talked to XXXX and asked why I received a stall letter on information, I personally sent myself from my place of residence. 

He tried to say that I had a third party disputing on my behalf with their logo. I said '' That's interesting because I am the one who sent you the dispute on the XXXX of XXXX. '' Items on my report is still not reporting 100 % accurately and completely and they are trying to stall, providing the information I requested by XX/XX/XXXX. He also said that Experian does not allow recording '' I said that I do not record, but I do keep great notes and timelines. '' I also told them, that I needed the requested information provided within 15 days, with physical documentation of how the investigation was completed. If they are not able to do it. I would like for them to, simply delete 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 explanation
Consumer complaint received 2024-06-25 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: DISCOVER BANK
State: MI

Complaint narrative:
Discover Bank is reporting incorrect information as of today XX/XX/year> and this information should be removed off of all credit bureaus because its improper incorrect and its not true. Its fraudulent. 
Please be advised that as of today XX/XX/year> there are several frauds/ or unauthorized information on this account, and I owe less on this debt as of today, but it shows a charged off debt on my credit report. This is incorrect and I will file a lawsuit against you for falsifying information! Im making payments every week to discover! 

Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: MS

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-25 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Credit inquiries were put on my credit report without my permission. 

XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX  XXXX, XXXX Phone number ( XXXX ) XXXX SYNCB Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX SYNCB/TJX DC Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX XXXX XXXX Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( 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 explanation
Consumer complaint received 2024-06-25 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Credit inquiries were put on my credit report without my permission. 

XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXXXXXX, XXXX Phone number ( XXXX ) XXXX SYNCB Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX SYNCB/TJX DC Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX XXXX XXXX Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( 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 2024-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
Mr Cooper has our first mortgage on our home since XXXXXXXX There is a large amount of equity in our home so we applied for a XXXX mortgage with Mr Cooper to have repairs done on our roof. During the underwriting phase, flood insurance was requested. We provided documentation from our home insurance, XXXX maps, Elevation certificate, appraisal and the original contract stating that the house was in XXXX XXXX on the flood maps. The 2nd mortgage group retracted the request for flood insurance. 

Following the ending of the 2nd mortgage, we received a letter from the 1st mortgage requiring flood insurance. We have provided all the same information to Mr. Cooper with no changes. We have made several attempts taking to XXXXood insurance department with Mr. Cooper. Each time a call has been made, the representative has recorded our concerns with no retraction of the flood insurance. 

The flood insurance has increase our mortgage payment {$300.00} each month. This is placing an undo burden on our budget.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Dear XXXX, I consider this matter to be of utmost seriousness and respectfully request that all communications be conducted in writing via the Consumer Financial Protection Bureau complaint portal. Once again, I explicitly do not authorize any telephone contact. In my previous correspondence, I have provided documentary evidence detailing the dates and times of your phone calls. I have attached an updated copy of that report for your further investigation. Should these communications persist, I must emphasize that they may constitute harassment under the Fair Debt Collection Practices Act, and I retain the right to pursue appropriate legal actions to ensure compliance and protection of my rights. 

Please provide verification of your claim, by providing me with true and certified copies ( Not photocopies ) of the Deed of Assignment ( NOT Notice of Assignment ) and Deed of Novation. Please also provide me with the name of the individual who is the duly authorized representative from XXXX XXXX XXXX, XXXX ( XXXX, XXXX ), who has seen the Original Note and is certifying these assignments as certified copies and that XXXX XXXX XXXX, XXXX ( XXXX, XXXX ) now has the Original Note ( Credit Agreement ) under penalty of perjury and with unlimited liability and confirm that the Note has never been sold prior to your company purchasing this account. Please also confirm the name of the individual who is the duly authorized representative from XXXX XXXX XXXX, XXXX ( XXXX, XXXX ), who has carried out due diligence under the Money Laundering Control Act of 1986 and what actions s/he has taken in relation to this account. 
Please provide this information and documents within ten ( 10 ) days from the above date, so that I may settle any financial obligation I might lawfully owe. Your said failure to provide verification of your claim constitutes your agreement to the following terms : that you are a third party interloper ; you have no legal standing ; no first-hand knowledge of this matter ; your claim is fraudulent ; any damages I suffer you will be held culpable ; you agree to pay all fee schedules ; that any negative remarks made to a credit reference agency will be removed and that you will no longer pursue this matter any further. 

Should you provide adequate evidence that I owe your organization any outstanding amount and that you have been properly assigned to collect this debt, I am willing to settle any verified claim in full. 
Yours 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 explanation
Consumer complaint received 2024-06-25 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: AL

Complaint narrative:
I have sent multiple dispute letters regarding inaccurate information on my credit report, but the issues persist. Recently, I conducted an investigation of my credit report and discovered unverifiable, invalidated, inaccurate, and questionable items that your agency failed to report accurately. This has caused me XXXX  distress and XXXX. 

In accordance with the Fair Credit Reporting Act, all information on my credit report must be 100 % accurate. The accounts in question violate FCRA regulations, specifically under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which mandate complete accuracy in reporting. 

Attached are copies of all correspondence sent regarding this matter. I urge you to rectify these errors promptly and ensure that my credit report reflects accurate and verified information as required by law.

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 2024-06-25 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: AL

Complaint narrative:
I have sent multiple dispute letters regarding inaccurate information on my credit report, but the issues persist. Recently, I conducted an investigation of my credit report and discovered unverifiable, invalidated, inaccurate, and questionable items that your agency failed to report accurately. This has caused me severe XXXX and XXXX. 

In accordance with the Fair Credit Reporting Act, all information on my credit report must be 100 % accurate. The accounts in question violate FCRA regulations, specifically under XXXX XXXX Code XXXX ( b ) and XXXX XXXX Code XXXX ( XXXX ), which mandate complete accuracy in reporting. 

Attached are copies of all correspondence sent regarding this matter. I urge you to rectify these errors promptly and ensure that my credit report reflects accurate and verified information as required by law.

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 2024-06-25 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: PA

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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:
Transactions are being reported on my consumer report by XXXX XXXX that are excluded by Federal law. The law clearly states its illegal to report transaction history. 

15 USC 1681 a ( d ) [ 2 ] ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; There are several transactions being reported in violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( 1 ), which states that transactions between the consumer and the person/CORPORATION making the report is not included on the consumer reports however they are still being reported by First Premier.

Also, 15 USC 1666b ( a ) a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Reporting such information non public personal information on my reports is a violation of the PRIVACT ACT of XXXX ( 5 U.S. Code 552a ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency including but not limited to, his education, ,financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( b ) Conditions of Disclosure. No agency shall disclose any record which is contained in a system of records by any means of communication to any person or to another agency, except pursuant to a written request by, or with the prior written consent of the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. 

I never gave anyone written consent to provide my non public personal information including but not limited to transaction history, utilization, payment history, credit limit, ect.. to a non affiliated 3rd party. 

The reporting of this information was strictly without my consent and as a violation of my right to privacy that is afforded to me as a federally protected consumer 15 USC 6802 OBLIGATION WITH RESPECT TO DISCLSOURES OF PERSONAL INFORMATION.

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 2024-06-25 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
Mail from Citi XXXX card wrote to opt out call XXXX. This number prompts for social security number. Is this a fraud?

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 2024-06-25 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: OH

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 explanation
Consumer complaint received 2024-06-25 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: CA

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX showed paid XX/XX/2023 ; XXXX ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau Transunion, XXXX, XXXX as late. 

XXXX XXXX  XXXX XXXX XXXX showed paid XX/XX/2023 ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau Transunion, XXXX, XXXX as late. 

XXXX XXXX  XXXX XXXX XXXX showed paid XX/XX/2023 ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau Transunion, XXXX, XXXX as late. 

XXXXXXXX XXXX XXXXXXXX XXXX showed paid XX/XX/2023 ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau Transunion, XXXX, XXXX as late. 

XXXX XXXX  XXXX XXXX XXXX showed paid XX/XX/2023 ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau Transunion, XXXX, XXXX as late. 

XXXX XXXX  XXXX XXXX XXXX showed paid XX/XX/2023 ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau Transunion, XXXX, XXXX as 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