vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-07 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-05-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: GA

Complaint narrative:
I checked my credit report and I am upset about what I found out. There is a late payment remarked on it but I did not incur any late payments.

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 2024-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My {$150.00} annual fee was charged on XX/XX/year>, and shortly after Capital One closed my account. I requested the annual fee to be removed but they are refusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: IL

Complaint narrative:
See document attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: NV

Complaint narrative:
VALIDATION OF DEBT, CONDITIONAL ACCEPTANCE UPON VALIDTION OF DEBT AND TENDERED NEGOTIABLE INSTRUMENT WAS SUBMITTED ON XX/XX/XXXX VIA RE XXXX XXXX XXXX XXXX and XXXX HAS FALIED to VALIDATE the DEBT. YESTERDAY they SENT ME A DELIQUENT NOTICE WITHOUT SENDING ME VALIDATION OF DEBT PER WRITTEN REQUESTS. THE HAVE BEEN GIVEN NOTARY CERTIFIED NOTICE OF DISHONOR and FAUL IN DISHONOR WITH OPPORTUNITY TO CURE. 

Under the Fair Debt Collection Practices Act ( FDCPA ), if a creditor can not verify a debt it may not collect the debt or otherwise contact the debtor about the debt. If the collection agent does not contact you further about the debt, it is safe to assume your collection account was a bare account, and therefore is non-collectable. 

I will FILE a DEFAULT & DISHONOR with SECRETARY of STATE and IRS is 1099c is not issued and HOLD CFO XXXX XXXX PERSONALLY RESPONSIBLE and FILE COMMERICAL LIEN I am UNABLE to UPLOAD SUPPORTING DOCUMENTS because your system says I can not upload files that exceed XXXX so I will call in tomorrow to complete this submitssion and fax in my attachments

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 2024-05-07 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: CT

Complaint narrative:
I lodged a complaint with these Bureaus a XXXX  ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
This is now my 3rd time submitting a complaint about Equifax and still no resolution to this problem. I am getting so tired of being screwed by Equifax and damaging my consumer rights. When I log into my Equifax dot com credit profile, they show absolutely nothing. No personal information, no creditors, no revolving accounts, NOTHING. No new creditors can access my Equifax credit history at all. This is getting ridiculous that I have to complain a 3rd time now through CFPB. Clearly nothing ever gets resolved. I am going to get my lawyer involved and create a law suit that will be issued to Equifax because they are damaging my consumer rights and ability to obtain any credit. Get ready for a law suit Equifax because you are breaking Federal consumer laws over and over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am writing this letter to shed light on a resent incident that happened at Bank of America NA, located at XXXXXXXX XXXX XXXX XXXXXXXX Texas XXXX. 

On Friday, XX/XX/2025 at XXXX XXXX Ser. NO. XXXX I drove into the Bank of America drive thru, inserted {$800.00} cash in denominations of XXXX. The ATM sucked the {$800.00} cash gave an error message and only acknowledged {$400.00} of the {$800.00} cash that was inserted and only {$400.00} of the deposited appears in my savings account. I immediately contacted Bank of America NA, corporate department and explained that the money that was deposited is needed asap as it would cover the cost of bills and payment to other for services. 

I also confirmed that cash deposits are available immediately, with each person I spoke with at Bank of America. I was told by at leas 3 managers that there was nothing they could do and I had to wait until Tuesday or Wednesday for the funds to be applied. I even asked that a provisional credit be applied to the account in attempts to prevent the unnecessary hardship this mishap would cause. It was not even considered. 

I am reaching out to this organization to reveal the unfair and the unethical business practices of Bank of America N.A. This is an example of what happens when humans are replaced with technology. If this transaction was handled by a live teller this would not have happened.

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 2024-05-07 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: VA

Complaint narrative:
Upon reviewing my credit report, I am distressed by the discovery of a late payment notation, despite not having any late payments.

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 2024-05-07 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: VA

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

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 2024-05-07 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: AZ

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

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 2024-05-07 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX Pl XXXX XXXX, Ohio XXXX DATE OF BIRTH : XX/XX/XXXX Last XXXX SSN : XXXX Account : XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Date : XX/XX/XXXX Dispute of Inaccurate Information on Credit Report Dear CFPB, This letter is to formally dispute inaccurate information on my credit report. I am writing to request your assistance under the following laws : Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX ( b ) ( XXXX ) : This law guarantees my right to a report that is accurate and up-to-date. FCRA, XXXX XXXX XXXX ( c ) ( XXXX ) ( i ) : This law allows me to dispute any information in my credit report that I believe is inaccurate or incomplete. FCRA, XXXX CFR XXXX ( d ) : This law requires the credit reporting agencies ( CRAs ) to investigate my dispute and respond within 30 days. Fair and Accurate Credit Transactions Act ( FACTA ), XXXX XXXX. XXXX ( a ) : This law prohibits credit reporting agencies from furnishing inaccurate or misleading information. XXXX has deleted this account from my credit profile due to inaccuracies. XXXX and Equifax continue to violate my rights by continuing to report inaccuracies which has tanked my credit score and caused massive stress! I request that the CFPB investigate this matter and instruct the credit reporting agencies to delete this account from my credit report. I have attached the following documentation to support my claim : I understand that the credit reporting agencies have 30 days to investigate my dispute. I request that you keep me informed of the status of my dispute and provide me with a copy of the investigation results. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: VA

Complaint narrative:
Upon reviewing my credit report, I am distressed by the discovery of a late payment notation, despite not having any late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: VA

Complaint narrative:
Upon reviewing my credit report, I am distressed by the discovery of a late payment notation, despite not having any late payments.

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 2024-05-07 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I met a person about doing my taxes and gave her my information, after a week I never heard from her again. I looked at my credit a started seeing activity that I wasnt doing.

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 2024-05-07 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: NY

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

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 2024-05-07 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
According to my billing statement, and Apple card customer agreement, I am to send a " non-conforming '' payment/Notice to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . My billing statement did not include the entire balance amount so that I can " pay in full. '' The statement 's total balance was incorrect as it did not include the interest amount that would allow me to make a purchase for goods. I have heard nothing back from XXXX with respect to these notices. Apple Card/GS not providing full disclosure is preventing me from accessing the special financing plan, and this is a violation of the Truth in Lending/FCBA.

When I engage with Goldman Sachs for Apple Card through messages or over the phone, they have no idea what a purchase transaction is ( even though this term is clearly defined in their customer agreement ), and they do not understand that this is the obligation that I mutually agreed upon with Apple Card/Goldman Sachs on how to pay so that it promotes the sale of goods for the GS business, and for commerce and trade. The have made the process impossibly difficult to allow me to perform a sale on approval and my contractual obligations of purchasing and returning the goods ( after adding the APR service fee ) for GS to use for trade. I am helping their business by helping to proceed the insolvency, and this has become a nightmare. I have spent countless hours on messaging and on the phone over the last XXXX  days or so ... my account was even locked for bankruptcy at XXXX point for almost XXXX weeks. Nobody can explain the process to me! 

XXXX XXXX agreement specifically states : " Non-conforming Payments We may reject any payments that do not comply with our payment instructions set forth in this Agreement or on your Monthly Statement ( each a " Non-conforming Payment '' ) in our discretion. If we accept a Non-conforming Payment, crediting your Account for the payment may be delayed and may result in additional interest billed to your Account.

We may accept any Non-conforming Payments, late payments, partial payments or payments with restrictive endorsements, without losing any of our rights, including our right to close your Account. We may deposit any payment you send us for less than the total outstanding balance of your Account that you mark " paid in full '' or with any similar language or otherwise seek to provide as full satisfaction of a disputed amount. If we do, this payment will not fully satisfy the disputed amount or otherwise affect our rights to payment in full. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX Pl XXXX XXXX, Ohio XXXX DATE OF BIRTH : XX/XX/XXXX Last XXXX SSN : XXXX Account : XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Date : XX/XX/XXXX Dispute of Inaccurate Information on Credit Report Dear CFPB, This letter is to formally dispute inaccurate information on my credit report. I am writing to request your assistance under the following laws : Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX ( b ) ( XXXX ) : This law guarantees my right to a report that is accurate and up-to-date. FCRA, XXXX XXXX XXXX ( c ) ( XXXX ) ( i ) : This law allows me to dispute any information in my credit report that I believe is inaccurate or incomplete. FCRA, XXXX CFR XXXX ( d ) : This law requires the credit reporting agencies ( CRAs ) to investigate my dispute and respond within 30 days. Fair and Accurate Credit Transactions Act ( FACTA ), XXXX XXXX. XXXX ( a ) : This law prohibits credit reporting agencies from furnishing inaccurate or misleading information. XXXX has deleted this account from my credit profile due to inaccuracies. Transunion and XXXX continue to violate my rights by continuing to report inaccuracies which has tanked my credit score and caused massive stress! I request that the CFPB investigate this matter and instruct the credit reporting agencies to delete this account from my credit report. I have attached the following documentation to support my claim : I understand that the credit reporting agencies have 30 days to investigate my dispute. I request that you keep me informed of the status of my dispute and provide me with a copy of the investigation results. Thank you for your time and attention to this matter. Sincerely, 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