vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-06 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: MS

Complaint narrative:
XX/XX/XXXX US DEPTARMENT OF ED US DEPTARMENT OF ED, XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX Date Reported : XXXX XXXX, XXXX Collection Agency XXXX XXXX Original Creditor Name XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1100.00} Amount {$1100.00} Status Date XXXX XXXX, XXXX Status UNPAID Comments XXXX Balance Date XXXX XXXX, XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Creditor Classification CABLE_OR_CELLULAR Last Payment Date Date of First Delinquency XXXX XXXX, XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX Account Number XXXX XXXX Account Status CHARGE_OFF Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification Loan Type AUTO Original Creditor Name Months Reviewed XXXX Activity Designator Terms Frequency MONTHLY Term Duration 74 MONTHS Purchased From Sold To Balance and Amounts Balance {$12000.00} Credit Limit High Credit Available Credit Account Dates Date Opened XX/XX/XXXX Date Reported XXXX XXXX XXXX XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX Comments and Contact CHARGED OFF ACCOUNT FIXED RATE For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Account Number XXXX XXXX Account Status NOT_MORE_THAN_TWO_PAYMENT_PAST_DUE Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification Loan Type SECURED Original Creditor Name Months Reviewed 6 Activity Designator PAID Terms Frequency MONTHLY Term Duration 120 MONTHS Purchased From Sold To Balance and Amounts Balance {$0.00} Credit Limit {$1000.00} High Credit {$1000.00} Available Credit {$1000.00} Account Dates Date Opened XX/XX/XXXX Date Reported XXXX XXXX, XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX Comments and Contact FIXED RATE For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX, XXXX CARD, 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX, XXXX CARD, 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 an 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 2024-05-06 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 recently submitted a request for an investigation of the disputed items, which you claimed was verified. Since I believed you didnt properly investigate my dispute I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update or get rid of the following items from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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 recently submitted a request for an investigation of the disputed items, which you claimed was verified. Since I believed you didnt properly investigate my dispute I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update or get rid of the following items from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX Balance : {$11000.00} XXXX  XXXX XXXX Balance : {$7400.00} XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: PA

Complaint narrative:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regards to this incident Please remove the following account : XXXX XXXX, ACCOUNT NUMBER : XXXX, DATE OPENED : XX/XX/XXXX, AMOUNT : {$11000.00} PLEASE REMOVE THE FOLLOWING INQUIRIES ASAP : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX OF XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-05-06 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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/3022 and again on XX/XX/2023. I disputed collection accounts showing as open on my credit reports. These agencies did not have my written consent nor any sort of contract signed by me thus making them invalid. 
The credit agencies did not solve my disputes, instead they said results came back as verified and valid. 
How can that be when there is not an original contract with these collection agencies. This inaccurate information is hurting my credit, I would like to report the credit agencies for violating my rights as a consumer and protecting these agencies by allowing them to post inaccurate nonexistent accounts on my name. 
Thank 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 explanation
Consumer complaint received 2024-05-06 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: Nelnet, Inc.
State: NC

Complaint narrative:
This creditor DEPT OF EDUCATIONXXXX engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: TX

Complaint narrative:
FCRA 605B stipulates the removal of any inaccurate accounts from my credit report. Could you verify the documentation, please? Some of the listed accounts contain inaccuracies in their reporting. I anticipate receiving {$1000.00} for each inaccurately reported item on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
This is a loan that was made by one of the child companies. It is called service finance. 

They have been very unresponsive. 

I've been paying extra on this loan for quite some time now. Full year. 

The initial loan was for {$20000.00}. And the interest rate was 12.99 % per annum. 

So far, I have made 12 payments, totaling {$5100.00}. 

{$2000.00} has come off of the loan. 

That leaves a balance of {$17000.00}. 

That means that in the first 12 months, {$3000.00} was interest. 

That does not make any sense, because I have paid more than the minimum almost every single month. Sometimes I've made double payments. 

It is also an effective interest rate of 15.28 %. 

Something is not right here. 

12.99 % should have been {$2500.00} of interest in that year.

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 2024-05-06 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: PA

Complaint narrative:
I was not aware of a collection on my reports and I sent a dispute to the consumer reporting agencies in order to get this information removed as I was not properly notified of said account. I sent the notice back in XXXX and I havent gotten any investigation results. The FCRA says that at maximum they have 45 days to conduct an investigation, however its been over 45 days since I sent my dispute

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 2024-05-06 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX, XXXX CARD, 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 an 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 non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I opened an estate account with Chase Bank in XXXX, XXXX. Someone at Chase made an error, and Chase threatened me that they would close the account. The banker reopened the account. After it was reopened, Chase did a hard check on my credit. When I asked the banker about it, he said it was a soft check done whenever a new account was opened. The check is not a soft check and says I tried to open a JP Morgan credit card on XXXX. I did not do this and neither Chase nor XXXX will remove the false information. This has resulted in ding no my credit record. My credit score was above XXXX and has fallen to the XXXX 's - from Excellent - to Good. 

They will not answer the phone, and the online service keeps telling me to contact the provider, Chase, who in turn tells me to report the problem to XXXX. I tried to correct with Chase on XX/XX/XXXX and they refuse to help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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: OH

Complaint narrative:
This information has been disputed to Experian and XXXX. However, this report is still showing the information inaccurately. This is a direct violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ) Reporting Experian : XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX OH XXXX XXXX. Under 15 U.S. Code 1681i ( 5 ) ( B ) Requirements relating to reinsertion of previously deleted material XXXX XXXX XXXX Account Number : XXXX Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate, it list the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

5. Under 15 U.S. Code 1681i ( 5 ) ( B ) Requirements relating to reinsertion of previously deleted material XXXX XXXX XXXX  Account Number : XXXX Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate, it list the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
6. Under 15 U.S. Code 1681i ( 5 ) ( B ) Requirements relating to reinsertion of previously deleted material XXXX XXXX Account Number : XXXX Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate, it list the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 

Reporting in TransUnion : 1. Under 15 U.S. Code 1681i ( 5 ) ( B ) Requirements relating to reinsertion of previously deleted material XXXX XXXX XXXX Account Number : XXXX Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate, it list the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

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 2024-05-06 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: OH

Complaint narrative:
My privacy is my right. Anyone who gave you this information is not following the law under 5 USC 1681 ( a ) ( 4 ) and you do not have the right to report this on my credit report. 

Unauthorized reporting in Experian : Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Unauthorized reporting in XXXX Bankruptcy XXXX XXXX XXXX U.S. Bankruptcy Court

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 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to dispute a collection that has been reported on my account. I have no knowledge of this collection and have never seen it before. I believe it to be fraudulent and false, and I would like it to be removed from my credit report. 

I kindly request your assistance in resolving this matter as soon as possible. Thank you for your attention to this matter.

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 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: TX

Complaint narrative:
I ensure my payments are always made on time. Yet, I'm baffled by the sporadic instances where this company reports late payments, contradicting my meticulous record-keeping. USC 1666b mandates swift correction of billing errors and accurate payment documentation.

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 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
FCRA 605B mandates the elimination of any erroneous entries from my credit dossier. Could you kindly review the records? Certain entries therein are flawed in terms of their reporting accuracy. Compensation of {$1000.00} per each misreported item on my credit record is expected.

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