vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Subject : Urgent Request for Account Review and Immediate Resolution Dear [ Credit Card Company ], I am writing to express my frustration and demand an immediate review and resolution of the issues I have faced with my credit card account. In XXXX, I was severely affected by XXXX XXXX. I lost everything and had to relocate to Maryland with my family. Despite the hardships, I did not receive adequate financial assistance. XXXX provided me only {$11000.00} after a year, and I was denied housing vouchers and food stamps because they based my eligibility on my prior income before the hurricane. 

When I approached federal agencies for assistance, I was told that I could only do a few deferments, which I utilized while continuing to make payments. In addition to the difficulties caused by the hurricane, I fell ill with XXXX and requested relief, which was not granted. It wasnt until XXXX that I was informed my account had been closed in XX/XX/XXXX. Despite this, I received conflicting information from your representatives, adding to my confusion and frustration. Some stated that my account was still active while others confirmed it was closed. 

Moreover, I was sent a new credit card, which added to the confusion. When I called last month to set up payments, I was told that I still had access to my account, yet I had not received a new card. This inconsistency in communication and lack of support is unacceptable. 

Sincerely, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-07-12 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: CO

Complaint narrative:
Please assess and investigate the accounts that are not entirely accurate. I request the prompt block and removal of all inaccurate entries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: CO

Complaint narrative:
Please assess and investigate the accounts that are not entirely accurate. I request the prompt block and removal of all inaccurate entries from my credit report.

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 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I paid for the free credit report from Experian. They automatically converted me to the membership that is {$24.00} a month. I called them to cancel and receive a refund but they refused and said that the membership is non refundable. I did not consent to paying for this membership.

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 monetary relief
Consumer complaint received 2024-07-12 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: LA

Complaint narrative:
I recently reviewed my credit reports from all three major credit bureaus and noticed that items under XXXX XXXX XXXX with account number XXXX and XXXX XXXX XXXX with account number XXXX have been removed by XXXX after their investigation found them to be inaccurate. I have attached a copy of the updated credit report from XXXX showing these removals. Despite this, the same items remain on my credit reports with XXXX and Experian. I have contacted these bureaus, provided evidence, and requested the removal of the inaccurate information. However, they have not taken the necessary action to correct my credit reports. I request that the CFPB intervene to ensure the accurate and consistent reporting of my credit information. This continued presence of inaccurate information is causing significant distress and financial harm. I request that the CFPB intervene to ensure the accurate and consistent reporting of my credit 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 2024-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: KY

Complaint narrative:
I was contacted by this man about a car I purchased new in XXXX sold in XXXX it has been sold multiple times since I sold the car to people that I do not know and they keep XXXX me I sent him all the info I have I sold to XXXX XXXX XXXX XXXXXXXX XXXX, Please send me your story regarding the purchase of the vehicle in my letter. If you remember state when purchased, location, price. When it was sold and to who. Your contact with repo man and what happened. Thanks send to XXXX My letter should have all my contact information. 
Dear XXXX XXXX, I am contacting you directly about a letter I received in reference to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that I purchased new at XXXX XXXX XXXX XXXXXXXX XXXX in XXXX brand new traded in XXXX XXXX XXXX XXXX at the time I purchased the XXXX. I sold the XXXX XXXX in XXXX to XXXX XXXXXXXX in XXXX XXXX XXXX XXXX XXXX XXXX lady with XXXX did the paper work and also paid my loan off though I believe to have been XXXX at the time! 
I was contacted by XXXX XXXX from a XXXX XXXX couple or so months back because he knew who I was to make sure I hadnt repurchased this car or if I knew the new owner as I explained to him I didnt so he said he would reach out to whom he needed I do not know these men XXXX XXXX XXXX XXXX XXXX and I have had no contact with the XXXXXXXX since I sold it in XXXX! 


Thanks 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 2024-07-12 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: SC

Complaint narrative:
This is a reply to the email you sent to me about the documents I submitted not being valid. 


File Number : XXXX Date Issued : XX/XX/2024 We appreciate you taking the time to contact us at TransUnion. Our goal is to maintain complete and accurate credit information. It's our commitment to you. 

Re : Fraud Block Request Declined - Document Submitted Not Acceptable We received the fraud block request you recently sent to TransUnion. TransUnion takes cases of identity theft very seriously and investigates all such allegations thoroughly. However, we are unable to block the information you have identified because the document submitted does not appear to be a copy of an official, valid identity theft report.

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 2024-07-12 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:
I, the consumer and natural person, was denied credit by XXXX XXXX when my Card was closed without my consent. 

Credit card XXXX XXXX ACCOUNT CLOSED BY CREDIT GRANTOR For questions regarding this account please contact : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX  XXXX ( XXXX ) XXXX Adverse actions against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in the 15 U.S.C. 1691c and is pursuant to civil liability under 15 U.S.C. 1691k You are subject to criminal liability for violating 15 U.S.C. 
1691 as I have proof that I was discriminated against by XXXX XXXX to the response I received. 

XXXX XXXX is in violation of 15 U.S. Code 1642, U.S.C. 1681m and 12 cfr 1002 because, the consumer, made an application in good faith, bit credit was not issued. 

Furthermore, because my social security number ( credit card ) was used and i received NO benefit this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of XXXX XXXX. 

Please be aware that all negative remark found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 
I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 
Best regards,

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 2024-07-12 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: FL

Complaint narrative:
I, the consumer and natural person, was denied credit by XXXX XXXX when my Card was closed without my consent. 

Credit card XXXX XXXX ACCOUNT CLOSED BY CREDIT GRANTOR For questions regarding this account please contact : XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX ( XXXX ) XXXX Adverse actions against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in the 15 U.S.C. 1691c and is pursuant to civil liability under 15 U.S.C. 1691k You are subject to criminal liability for violating 15 U.S.C. 
1691 as I have proof that I was discriminated against by XXXXXXXX XXXX to the response I received. 

XXXX XXXX is in violation of 15 U.S. Code 1642, U.S.C. 1681m and 12 cfr 1002 because, the consumer, made an application in good faith, bit credit was not issued.

Furthermore, because my social security number ( credit card ) was used and i received NO benefit this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of XXXX XXXX. 

Please be aware that all negative remark found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 
I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 
Best regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: CO

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 response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I CHECKED MY CREDIT REPORT THIS MORNING AND SAW THAT THERE ARE INACCURATE INACCURATE ACCOUNTS FROM MY CREDIT REPORT. I HAVE NO KNOWLEDGE REGARDING THESE INACCURATE ACCOUNTS FROM MY CREDIT REPORT.

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 2024-07-12 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: IL

Complaint narrative:
Any and all consent to Transunion, XXXX, Furnisher of information to credit agencies, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( B ) ( C ), 15 USC 1681 ( a ) ( 5 ) I was never informed of my right to exercise my nondisclosure option. This account is an adverse item they are reporting again without my permission which is against the law. 15 US Code 1681s-2 ( A ) ( 1 ) A states 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.15 US Code 1681e, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.Unauthorized fraudulent inquiries into my credit.

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 2024-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account with XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 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: The Stark Collection Agency, Inc.
State: IL

Complaint narrative:
pursuant to 15 USC 1692g and in accordance with the updated Fair Debt Reporting Act ( FDRA ) guidelines, the account referenced as ( THE STARK COLLECTION A XXXX ) is to be expunged from the report. Additionally, in accordance with 15 USC 1681c-2, all inquiries are mandated to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I made an electronic transfer of {$100000.00} from my XXXX XXXX XXXX  Savings account to my Capital One Bank Account. The deposit cleared, but I was told by Capital One that there is a hold on my account and I am unable to access my funds. I was not given an explanation for the hold ( other than being told it is under investigation by their internal fraud department and they say they could keep the hold in place " as long as they want. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-12 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: CO

Complaint narrative:
Please assess and investigate the accounts that are not entirely accurate. I request the prompt block and removal of all inaccurate entries from my credit report.

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 2024-07-12 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: CO

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-07-12 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: SC

Complaint narrative:
I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-12 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: MN

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal 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