vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-07 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: FL

Complaint narrative:
This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

LIST OF ACCOUNTS BEING CHALLENGED ; 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 2024-06-07 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: FL

Complaint narrative:
This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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 ant
edates 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. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXXXXXX {$360.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$1000.00} XXXXXXXX XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXXXXXX {$920.00} Bankruptcy 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 explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Wells Fargo Checking Account opened in XX/XX/year> as prerequisite for Wells Fargo Flex Loan. $ 10 monthly account maintenance fees drained {$60.00} initial deposit before Flex Loan was offered. Checking account closed without notice or authorization after account balance reached {$0.00}.

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 2024-06-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This is my refilling and requesting for the reinvestigation to EQUIFAX was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the FTC number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Upon checking my credit report, I found addresses that I have never lived at or been associated with. 

XXXX XXXX XXXX XXXX, XXXX GA XXXX is listed on my credit report and I have no affiliation with this address. I have requested that the address be removed from my XXXX, XXXX and Transunion credit reports to no avail.

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 2024-06-07 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: GA

Complaint narrative:
Upon checking my credit report, I found addresses that I have never lived at or been associated with. 

XXXX XXXX XXXX XXXX, XXXX GA XXXX is listed on my credit report and I have no affiliation with this address. I have requested that the address be removed from my XXXX, Equifax and XXXX credit reports to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: FL

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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: OK

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I had a 0 % offer that expired on XX/XX/2024. They sent me another balance transfer offer in XX/XX/2024 which I accepted to pay off another higher interest card. I sent {$2000.00} on XXXX XXXX to pay down the first balance transfer offer. I should have had until the expiration of the first offer to pay it, however they applied the entire amount to the new offer I had just accepted. I called to explain that I wanted it applied to the original offer and they would not apply the payment to the old offer " stating they had to apply it to the new offer because it had a higher interest rate ( 4.99 % ). Now I not only paid for balance transfer fees for the new offer, but also did not get to take advantage of the offer because they applied my {$2000.00} payment to it, leaving a small balance on the new offer. In addition I am now going to be paying a very large amount of interest on the first offer because they will not apply my {$2000.00} payment as i requested. This is extremely deceitful business practice!! I should have until the expiration date on the offer to pay it down!! At this point any money I send will be applied to the second offer first, making it impossible to get out out of the very high interest rate ( XXXX ) on the first offer. I am on a fixed income and this will be a hardship for me.

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 2024-06-07 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:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
THE LAW OFFICE OF XXXX BLOOM & ASSOCIATES. A DEBT COLLECTOR LAW FIRM BASED IN TEXAS. 
THEY KEEP DIALING MY LANDLINE XXXX  REPEATEDLY, WITH TODAY 'S CALL PLACED AT XXXX XXXX! 

THEY REPEATEDLY KEEP CHANGING THE " NAMES OF '' PEOPLE. THEY'VE BEEN CALLING ME 19 TIMES WHICH IS NOW BEEN CONSIDERED AS HARASSMENT!

I'VE TOLD THEM MULTIPLE TIMES : THE PEOPLE THEY ARE LOOKING FOR : 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 WITH A CALL BACK AGAIN - ADVISING THEM TO STOP CALLING ME, NONE OF THE PEOPLE THEY ARE LOOKING FOR LIVE HERE! 
AND I'VE SPOKEN WITH " XXXX, XXXX, XXXX, XXXX '' ( IF THAT IS THEIR REAL NAME '' ) I CALLED USING THE IP RELAY ( DIFFERENT TELEPHONE NUMBER BECAUSE APPARENTLY THESE AIRHEADS CAN NOT UNDERSTAND ENGLISH! ) THEY WERE LOOKING FOR A XXXX XXXX AND THE LAST REP, SHE THEN SAYS WE'RE LOOKING FOR XXXX XXXX ( CHANGING THE SPELLING OF IT ) THEY ARE ABUSING AND MISUSING THEIR DEBT COLLECTION PRIVILEGES BY REPEATEDLY CALLING A LANDLINE XXXX TELEPHONE NUMBER WITH A LAUNDRY LIST OF PEOPLE TO HOPE THAT THEY WOULD HIT BULLS EYE! 

I HAVE BLOCKED THIS LAW FIRMS ' TELEPHONE NUMBER BUT THEY DERAIL IT. 
I'VE REPETITIOUSLY AND REPEATEDLY TOLD THEM TO STOP CALLING ME I REMINDED THEM THAT THEY ARE BREAKING THE FEDERAL LAW OF HARASSING AND ATTEMPTING TO SCAM A SENIOR CITIZEN, XXXX, HANDICAP WITH HOPES I WOULD PAY SOMEONE'S BILL! 

I DO NOT KNOW ANY OF THE PEOPLE THEY'VE LISTED! BUT I DID MY OWN RESEARCH AND FOUND OUT THEY'RE A DEBT COLLECTOR LAW FIRM IN TEXAS. PLEASE SEE TO IT THAT THEY ARE FINED AND I'VE ALREADY TOLD THEM 19 TIMES TO STOP CALLING ME!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-06-07 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: TN

Complaint narrative:
ON Equifax It is reporting that I made a payment to XXXX XXXX XXXX in XXXX. That is false information. Therefore this entire credit report is wrong. No payment was made after XXXX of XXXX. On the report, it also says I was in good standing in XX/XX/XXXX and XXXX XXXX but in XX/XX/XXXX I was 60 days past due. The entire report is wrong. It's also saying I made all payments on time in XXXX & XXXX. That is also incorrect because I was sick and missed a lot of payments, which resulted in repossession, but I got the vehicle back. I want this entire entry on my credit removed since it has falsified information. This is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. I am including how it is reporting on my credit on Equifax XX/XX/XXXX {$6600.00} Closed Overview You have 0 % left to pay on this loan. 

Balance : {$6600.00} Highest balance : Account details Account Number XXXX Account Status Charge Off Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Type Automobile Responsibility Individual Remarks Redeemed Or Reinstated Repossession Times XX/XX/XXXX Days Late XXXX Month 's Reviewed 0 Terms Count 0 Term Source Type High Balance High Credit Monthly Payment {$0.00} Current Payment Status Collection/Charge-off Amount Past Due Payment history Youve made 90 % of payments for this account on time. 

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  Paid on time XXXX XXXX  days past due XXXX XXXX  days past due XXXX XXXX  days past due XXXXXXXX XXXX days past due XXXXXXXX XXXX days past due XXXX Bankruptcy XXXX Repossession or foreclosure CC Collection or charge off VS Voluntary surrender XXXX No data available Creditor information XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, FL XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
My information was sold and or bought illegally. I am a victim of XXXX data breach. I have been trying to resolve this issue an have not been able to. XXXX has admitted that my info has been taken and I am a victim of there data breach an that they have done nothing to help resolve the trouble it is causing me. There are three accounts on my Experian Credit report that are illegal accounts that are not done by me. And I have been trying to have them removed but have not been. Due to this data breach its causing much affect to my life that is hurting me XXXX will attach proof that my info was taken in the 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 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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: OK

Complaint narrative:
I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.

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 2024-06-07 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: OK

Complaint narrative:
I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: TN

Complaint narrative:
I am seeing that an inquiry is on my credit report for XXXX XXXX XXXX XXXX XXXX . I have not applied for any credit cards with this financial institution. I have also filed with identitytheft.gov. please remove this fraudulent inquiry. this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my NAVY FCU - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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