vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-14 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: FL

Complaint narrative:
incorrect information on my credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
The credit report indicates late payments and delinquencies on a student loan account [ Navient ] which I firmly contest. Contrary to the information reported, there exist mitigating circumstances that absolve me of any culpability for the alleged defaults. Regrettably, it appears that your institution has failed to consider the extenuating factors that precipitated the financial challenges leading to the reported delinquencies. 
There are two account that appear to be for one particular same time frame of originating on XX/XX/XXXX which is more than 20 years ago. The amounts state that they both originated the same day, but show up on the credit report as two separate accounts : 1 ) {$3300.00} 2 ) {$5400.00} Last report dates were XX/XX/XXXX. Every time these erroneous reports are made it is in double impact causing an abuse to me directly. I was XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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 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 2024-04-14 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: AL

Complaint narrative:
XXXX I Requested a full investigation of my Public Record Bankruptcy to include contacting the Federal Agency ( original furnisher ; not PACER ) and provide to me certified documents provided from a professional at the Federal Agency ( original source ) of all information reporting.

Instead of doing so. Transunion closed my initial investigation request ( on XX/XX/24 ) WITHOUT providing me any documents Certified by a Professional ( employee ) at the Federal Agency ( Court ). 

XXXX I initiated a Second Request for a full investigation of my Public Record Bankruptcy to include contacting the Federal Agency ( original furnisher ; not PACER ) and provide to me certified documents provided from a professional at the Federal Agency ( original source ) of all information reporting. 

XX/XX/24 ... I received an email abruptly closing my request with Transunion FALSELY stating that I cancelled closed the investigation ( **SEE ATTACHMENTS PROVIDED TO INCLUDE STATEMENT ON CANCELLATION ). The agency is also selecting " Reason For Investigation/Dispute '' other than what is relayed over the phone... For example... Selection of " This Account Does Not Belong To Me '' instead of the true nature of the investigation,. 

XX/XX/24 ... I attempted to review my Transunion credit file and the company has locked me out... stating I needed to verify my email address. I clicked the Verify Email Address icon... was sent a verification email..clicked on the appropriate link only to see a message stating the link had expired ... .I attempted this ( 3 ) times without delay in clicking any links but have been locked out and prevented from viewing my report. I did advise Transunion I would report their illegal way of handling my Public Record full investigation request.

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 2024-04-14 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: MI

Complaint narrative:
TransUnion allowed several companies access to my consumer report with authorization from me. What purpose did these companies have to pull my consumer report? I have did no business with these companies and did not give them permission to pull my consumer report which means Transunion failed to follow federal law which requires companies to have a purpose to pull consumers reports. I request TransUnion to provide me with the documents that has my wet ink signature that states I did allow these companies to pull my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of
the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.

( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.

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 2024-04-14 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: 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 2024-04-14 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: 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 2024-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
Huntington might possibly be one of the cruelest banks I have ever dealt with. 6 months ago, my partner and I awoke to our funds, totaling around XXXX, frozen, and we had no idea why. They would not tell us, so we were left completely in the dark. Come to find out, his mom had gotten close to some senior leaders in the bank and they aided her in her crusade to obtain ultimate control over my partner, guardianship. All his rights would be taken from him. Aside from that, we could barely afford to find adequate representation because of the freeze on the funds. My partner was behind in student loans, his car is going to be repossesed, we are scraping by selling our personal belongings we had such as tv 's just to buy food and pay rent. We are not able to pay rent for XXXX and are endager of being evicted if we can not. We have XXXX small cats and have no where else to go. They treated us terribly the entire time, claiming two times to lose the court orders that said my funds were not part of the order and I could withdraw them. After they did not let me do so, I exhausted all my hidden accounts and ran my credit cards up to the maximum. My credit score dropped XXXX points. I emailed XXXX XXXX, XXXX XXXX, and the worst of them all, XXXX XXXX. Terrible examples of what a decent employee should be. You are nothing more than an employee at a bank. You do not have the right over someone else 's funds especially when they are not under the freeze like the court ordered. Release my funds or I will report you to every consumer bureau everyday until I have MY funds back. No matter what the mother said I have a great deal more money than she assumes. I have XXXX in the smart invest checking and a trust that disperses at XXXX of XXXX XXXX. I would also like whatever email you sent out about me and my partner retracted and an apology sent out or I will sue you for defamation and libel among the other parts of my lawsuit,. I am well versed in the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: FL

Complaint narrative:
incorrect information on my credit bureau

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 2024-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
Ive been receiving offers from citi for a couple of weeks now through mail, email, and platforms like XXXX XXXX. I we by through XXXX XXXX after seeing there offer of XXXX XXXX for 24 months. I applied and was approved for XXXX limit I was then prompted to fill out account number and amount to the creditors and as I was filling it out the page refreshed I was then prompted to login but after logging in the balance transfer option has not been allowing me to request the transfer. It prompts me to call customer service. The first time I called they told me to wait a couple days and it would be fixed but no, the issue persisted, I then called a 2nd time and was told the rep can take this information over the phone but I could not give the card details since I thought she would fix this for me- I told her Id call back once I was better prepared, I called a third time and was told that I had to wait for my card to arrive, again I called and they told me this can on my be done online 14 days after opening the acct. no one has been able to help me and I feel like I was tricked to signing up for this promotion and now I can not take advantage of the promotion. Time is ticking and I have a certain amount of time to submit the balance transfer request before Im not able to no more. The chat feature hasnt been any help either. Please help me. I just want to take advantage of the promotion.

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 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Ive been writing to dispute certain information in my credit report maintained by TransUnion, XXXX, an agency, as provided for under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. Specifically, I am disputing the accuracy of the information listed in the following sections : TransUnion : 15 U.S. Code 1681b XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681b Citizen Pay loc America First CU America First CU I am invoking my rights under 15 U.S. Code 1681b, which requires consumer reporting agencies to provide accurate and fair credit reports. Additionally, I am invoking my rights under 15 U.S. Code 1681e and 15 U.S. Code 1681s2, which mandate the investigation and correction of any inaccuracies or incomplete information contained in consumer credit reports. 
I request that TransUnion, XXXX conduct a thorough investigation into the disputed items and provide me with a written explanation of the results within the time frame stipulated by the FCRA. 
Furthermore, I remind you of your obligation under the FCRA to promptly delete or correct any information found to be inaccurate, incomplete, or unverifiable. Failure to comply with these legal requirements may result in further action, including but not limited to, filing a complaint with the Consumer Financial Protection Bureau and pursuing legal remedies.

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 2024-04-14 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: FL

Complaint narrative:
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not initiated any transaction with these companies that have been listed as inquiries. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with these inquiries for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ], I will seek actual damages which are greater than {$1000.00}. I want these items deleted off my credit reports effective immediately.Please help me delete these negative accounts on my credit reports that have been removed from my other credit reports : XXXX  XXXX, Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXI, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX credit reports listed below with the dates attached to inquiries that does not show open accounts on these dates. As per the Fair Credit Reporting Act of 1970, I am requesting that when responding to this dispute, you show the Method of Verification you have used in determining the accuracy of the above listed information. I do not consent to the use of E-Oscar as a verification method. I am aware that the FCRA provides you ( 30 ) days to investigate these items, and ( 15 ) days more to provide me with your findings. I do expect that you will also provide me with an updated copy of my credit report. Upon completion of your investigation, which will show any changes or the lack thereof. I expect these results to include all information requested, including your method of verification. If you are unable to comply within the confines of the FCRA, I will expect all items to be promptly deleted. I have read that you will often label a dispute as frivolous, with an accusation of the use of a credit repair company. Rest assured, I have entirely composed this letter myself, without the assistance of a credit repair company. Should I require assistance, it will be sought through an attorney, dependent on your response to this letter. Thank you very much for your cooperation. My ID has been attached as well for verification purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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:
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not initiated any transaction with these companies that have been listed as inquiries. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with these inquiries for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ], I will seek actual damages which are greater than {$1000.00}. I want these items deleted off my credit reports effective immediately.Please help me delete these negative accounts on my credit reports that have been removed from my other credit reports : XXXX  XXXX, Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX, Inquiry : XXXX XXXX, XXXX credit reports listed below with the dates attached to inquiries that does not show open accounts on these dates. As per the Fair Credit Reporting Act of 1970, I am requesting that when responding to this dispute, you show the Method of Verification you have used in determining the accuracy of the above listed information. I do not consent to the use of E-Oscar as a verification method. I am aware that the FCRA provides you ( 30 ) days to investigate these items, and ( 15 ) days more to provide me with your findings. I do expect that you will also provide me with an updated copy of my credit report. Upon completion of your investigation, which will show any changes or the lack thereof. I expect these results to include all information requested, including your method of verification. If you are unable to comply within the confines of the FCRA, I will expect all items to be promptly deleted. I have read that you will often label a dispute as frivolous, with an accusation of the use of a credit repair company. Rest assured, I have entirely composed this letter myself, without the assistance of a credit repair company. Should I require assistance, it will be sought through an attorney, dependent on your response to this letter. Thank you very much for your cooperation. My ID has been attached as well for verification purposes.

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 2024-04-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: KY

Complaint narrative:
I got an insurance policy with XXXX XXXX and I wanted liability only. They put full coverage and charged me for that every morning month. I cancelled the policy due to the expense and they turned me in to a credit collection agency. They refused to validate the debt when asked and I want this taken care of.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 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: Westlake Services, LLC
State: NY

Complaint narrative:
ACCOUNT NAME/NUMBER : WESTLAKE FINXXXX XXXX XXXX {$31000.00} Dear TO WHOM IT MAY CONCERN, I am writing to dispute the presence of certain charge offs on my credit report. I believe that these charge offs have been reported in violation of the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX compliancy requirements. 
Specifically, I believe that the information reported by your agency regarding these charge offs is inaccurate, incomplete, and misleading. As a result, my credit score has been unfairly impacted and I have suffered damages as a result. 
Under the FCRA, it is your responsibility to ensure that all information reported to credit bureaus is accurate and up-to-date. Additionally, the XXXX XXXX compliance guidelines outline specific reporting requirements for charged off accounts, including the requirement to report the date of first delinquency and the date of charge off. 
Based on my own records, I believe that the information reported by your agency is incorrect and in violation of these guidelines. I have attached copies of my records to this letter for your review. 
I am requesting that you investigate this matter and correct any inaccurate or incomplete information in my credit report. 
Additionally, I am requesting that you provide me with a copy of the investigation results and any updates made to my credit report as a result of your investigation. 
Thank you for your prompt attention to this matter. 

Sincerely, 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