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

Complaint narrative:
When the SEC seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial. 

XXXX XXXX XXXX, 603 U.S. ___ ( 2024 ) 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except

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 2024-07-07 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: MS

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2024-07-07 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: MO

Complaint narrative:
I disputed the accuracy of a collection account reported on my credit report. I disputed the fact that a collection account from XXXX that has been reported on my credit report is incorrect and false. I had no contractual arrangement with XXXX XXXX XXXX or I never XXXX XXXX XXXXXXXX XXXX XXXX XXXX or XXXX XXXX XXXX there for which I would owe any XXXX fees. The credit bureau is stating that they conducted there investigation and that the matter is been reported accurately and I dispute such a statement. 
Under the Fair Credit Reporting Act I have the right to request the method of verification used to determine that the collection account from XXXX that has been reported on my credit report is being reported accurately. I would like to know who you spoke with and the documents that you got that proved that such an item was reported accurately. Under the Fair Credit Reporting Act you have 15 days to present me with such information. Failure to provide me with such information within 15 days of this request being made then the credit bureau has to delete such an information from my credit report. A failure to provide me with such information and refusal to delete such false information from my credit report would be a violation of my rights under the Fair Credit Reporting Act for which I can sue this entity and claim for damages in a court of 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 2024-07-07 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: MO

Complaint narrative:
I disputed the accuracy of a collection account reported on my credit report. I disputed the fact that a collection account from XXXX that has been reported on my credit report is incorrect and false. I had no contractual arrangement with XXXX collection agency or I never attended XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX there for which I would owe any XXXX fees. The credit bureau is stating that they conducted there investigation and that the matter is been reported accurately and I dispute such a statement. 
Under the Fair Credit Reporting Act I have the right to request the method of verification used to determine that the collection account from XXXX that has been reported on my credit report is being reported accurately. I would like to know who you spoke with and the documents that you got that proved that such an item was reported accurately. Under the Fair Credit Reporting Act you have 15 days to present me with such information. Failure to provide me with such information within 15 days of this request being made then the credit bureau has to delete such an information from my credit report. A failure to provide me with such information and refusal to delete such false information from my credit report would be a violation of my rights under the Fair Credit Reporting Act for which I can sue this entity and claim for damages in a court of law.

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

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2024-07-07 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: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

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

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2024-07-07 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: KY

Complaint narrative:
Unexplained Credit Limit Decrease and Its Impact on My Credit Score Details of the Issue : Previous Credit Limit : {$1500.00} New Credit Limit : {$290.00} Date of Change : XX/XX/XXXX Notification Received : I was not even notified about this Plus, the sudden decrease in my credit limit has resulted in an increased credit utilization ratio, which has negatively affected my credit score. Maintaining a healthy credit score is crucial for my financial well-being, and this change has caused XXXX XXXX and potential financial hardship. 

They have shared my credit details with other agencies I feel, I have been getting scam calls about loans and financing which was not the case before getting this credit card. 

Also, I have been asking the customer care about the explanation but they didn't provide any clear explanation.

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 2024-07-07 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: NJ

Complaint narrative:
I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MD

Complaint narrative:
Chime/XXXX  XXXX refused to approve my claim for {$1200.00} for a fraudulently charged on XX/XX/year>. I have filed a police report with my local jurisdiction and they still denied my claim twice. This has been a horrible experience and this company needs to be exposed for their criminal practices.

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

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2024-07-07 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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

Complaint narrative:
Please see attachments. 

XXXX XXXX has been illegally reaging this account. 
There has been no agreements or communication with said party since last payment of XX/XX/XXXX for this account to be reporting activity, per the law. 

Bank raged the account XX/XX/XXXX as a missed payment for an entire year. 
Information is inaccurate and incomplete. Doesnt correlate with other CRAs, amounts are wrong, payment statuses wrong, account status wrong, date to come off is inaccurate etc California statute is 4 years, not 7.

Late payments were marked as paid on consumer reports, but late in reality. 
XX/XX/XXXX it was 3 months past due, but not reporting XX/XX/XXXX is when it shouldve legally been charged off. 
Says closed on XXXX in XXXX, XXXX, TransUnion say XXXX was the last payment. XXXX, XXXX another late payment on a closed account, thats reaging. 

XXXX through XX/XX/XXXX theres nothing ; all incomplete They also received a 1099A IRS form to write off the debt a letter was sent to XXXX regarding it and requesting to delete the account. 

The debt was also covered in the finance charge in the insurance premium. 
Its also being sold to debt collectors. Both collectors were unable to verify.

All of this is all AFTER an alleged verified dispute.

I will sue for fraud, negligence, and a plethora of consumer violations. 

Date of last payment XX/XX/XXXX XXXX XXXX XXXX STATEMENT ATTACHED CALIFORNIA LAW SAYS FOUR YEARS, NOT SEVEN

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 2024-07-07 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: CA

Complaint narrative:
Please see attachments. 

XXXX XXXX has been illegally reaging this account. 
There has been no agreements or communication with said party since last payment of XX/XX/XXXX for this account to be reporting activity, per the law. 

Bank raged the account XX/XX/XXXX as a missed payment for an entire year.

Information is inaccurate and incomplete. Doesnt correlate with other CRAs, amounts are wrong, payment statuses wrong, account status wrong, date to come off is inaccurate etc California statute is 4 years, not 7. 

Late payments were marked as paid on consumer reports, but late in reality. 
XX/XX/XXXX it was 3 months past due, but not reporting XX/XX/XXXX is when it shouldve legally been charged off. 
Says closed on Equifax in XXXX, XXXX, XXXX say XXXX was the last payment. XXXX, XXXX another late payment on a closed account, thats reaging. 

XXXX through XX/XX/XXXX theres nothing ; all incomplete They also received a 1099A IRS form to write off the debt a letter was sent to XXXX regarding it and requesting to delete the account. 

The debt was also covered in the finance charge in the insurance premium. 
Its also being sold to debt XXXX. Both XXXX were unable to verify. 

All of this is all AFTER an alleged verified dispute. 


I will sue for fraud, negligence, and a plethora of consumer violations. 

Date of last payment XX/XX/XXXX XXXX XXXX STATEMENT ATTACHED CALIFORNIA LAW SAYS FOUR YEARS, NOT SEVEN

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

Complaint narrative:
Please see attachments. 

XXXX XXXX  has been illegally reaging this account. 
There has been no agreements or communication with said party since last payment of XX/XX/XXXX for this account to be reporting activity, per the law. 

Bank raged the account XX/XX/XXXX as a missed payment for an entire year. 
Information is inaccurate and incomplete. Doesnt correlate with other CRAs, amounts are wrong, payment statuses wrong, account status wrong, date to come off is inaccurate etc California statute is 4 years, not 7. 

Late payments were marked as paid on consumer reports, but late in reality. 
XX/XX/XXXX it was 3 months past due, but not reporting XX/XX/XXXX is when it shouldve legally been charged off. 
Says closed on XXXX in XXXX, XXXX, XXXX say XXXX was the last payment. XXXX, XXXX another late payment on a closed account, thats reaging. 

XXXX through XX/XX/XXXX theres nothing ; all incomplete They also received a 1099A IRS form to write off the debt a letter was sent to XXXX regarding it and requesting to delete the account. 

The debt was also covered in the finance charge in the insurance premium. 
Its also being sold to debt collectors. Both collectors were unable to verify. 

All of this is all AFTER an alleged verified dispute. 


I will sue for fraud, negligence, and a plethora of consumer violations. 

Date of last payment XX/XX/XXXX XXXXXXXX XXXX STATEMENT ATTACHED CALIFORNIA XXXX SAYS FOUR YEARS, NOT SEVEN

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 2024-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account 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 XXXXXXXX has violated my rights. 
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

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 2024-07-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account 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 has violated my rights. 

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

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

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2024-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: ME

Complaint narrative:
Our mortgage was bought by Flagstar Bank. Our original loan was set-up as an equity loan and did not have an escrow account for taxes or insurance. We pay those separately. Flagstar is now saying we are delinquent on taxes and set up an escrow account for said taxes, and then mailed our town office a check. We were not and had not been delinquent. The town office never sent them information that we were. The Bank pulled this information from the town website that is sometimes inaccurate. The town office did not cash the banks check and handed it back to us. I called the bank to get a better understanding of what happened, which they informed me I was delinquent at that time and had sent me a notice of this. I had not received any letter. I was then told my town office sent them a notice of delinquency but our town office informed us they did not send them a letter. After spend time on the phone with the company I received a letter in the mail a few days later stating what they had done with the escrow account. How can a mortgage company start an account based on inaccurate information from a website without ever contacting the town office or the person paying the mortgage? And now will not drop a charge of over XXXX XXXXXXXX XXXX. Without giving us any information or plan to fix this.

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