vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-31 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:
Dear Consumer Financial Protection Bureau, Request for clarification on the verification procedure for my dispute. 

I hope this letter finds you well. I am writing to file a complaint against Trans Union, regarding their recent response to my dispute. On XX/XX/2024 Trans Union responded stating that my accounts were " verified and updated '' without providing any details about the verification process conducted. As a consumer, I have the right to understand how my disputes were verified and updated in accordance with the consumer protection laws.

I kindly request your assistance in obtaining clarification on the following matters : 1. The specific procedure followed by Trans Union in verifying my dispute : a. Please provide information on the methods, techniques, and sources utilized by Trans Union to verify the accuracy and completeness of the information disputed.

b. Kindly explain the timeline and steps involved in the verification process.

2. The legal basis or consumer protection laws upon which Trans Union relied for the verification : a. Please specify the applicable laws or regulations that govern the verification process for disputes.

b. Clarify the requirements or standards that Trans Union must adhere to under these laws.

3. Documentation related to the verification process : a. I would appreciate receiving copies of all documents, records, or correspondence relating to my dispute verification to ensure transparency and adherence to consumer protection laws.

b. If there are any specific guidelines or policies that Trans Union follows for verification purposes, kindly provide those as well.

I believe it is within my rights as a consumer to receive timely and accurate information about my dispute verification process. Transparency is essential to ensure fair and just proceedings and maintain compliance with consumer protection laws.

I kindly request your intervention in obtaining the necessary information from Trans Union. Your support in this matter will be greatly appreciated.

Please find enclosed all relevant documents and correspondence related to my previous dispute with Trans Union. If there are any additional details or specific requirements needed from my end, please do not hesitate to inform me.

Thank you for your attention and assistance in addressing this matter. I look forward to your prompt response. 

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
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I was sent a warrant of debt on XX/XX/year> with a date for me to appear in civil court on XX/XX/year> which is only XXXX days apart. I then requested that they send all of the information including the original statement/copy of the agreement between me and the original creditor through email which I havent received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: MI

Complaint narrative:
I've fallen prey to identity theft, and it's perplexing that only XXXX has removed the following fraudulent accounts. XXXX {$780.00}. XXXX {$5000.00}. Department of Education {$630.00}. Despite numerous attempts to validate the debt, both XXXX and TransUnion have neglected to do so. My XXXX credit score stands at XXXX, but XXXX and TransUnion are unfairly damaging my character and hindering my ability to lead a decent life by inaccurately reporting these accounts without evidence of my ownership.

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 2024-01-31 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:
I have reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts I have included a screenshot inside this complaint on the dates of ( XX/XX/XXXX and XX/XX/XXXX for XXXX XXXX ), and ( XX/XX/XXXX for XXXX XXXX ). Please investigate and provide proof with statements showing that these payments were late. if proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see the screenshot attached :

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 2024-01-31 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: FIRST NATIONAL BANK OF OMAHA
State: PA

Complaint narrative:
Opened a account with XXXX XXXX XXXX  via XXXX XXXX they issued XXXX credit limit in XXXX. By XXXX my credit limit had increased to XXXX, I never had a late payment and paid more than minimum payment each month. The bank started decreasing my credit line each month which made it appear that I was more than 30 % utilization rate. each month that I continued to pay they decreased my credit amount. I am know back down to XXXX and I was not given any real explanation for the decrease. However I can not use the card any longer because each payment that I make they bank keeps lowering my credit limit to match the owed debt. Bad business putting me at risk for not forming other relationships with substantial credit limits.

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 2024-01-31 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: GA

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. 

Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA informed me that temp credits would reverse. I contacted USAA representative on 2 separate occasions to express that not only did I not understand the decision but also that the notice was short and would cause financial hardship. I was told that this would not be the case and said credits would not reverse pending further investigation. They reversed and resulted in my needing outside funding for day to day expenses as I was traveling at the time without funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: CT

Complaint narrative:
Please see attached docuASments. Do not close this complaint stating it is not me. I am a natural person and a coSFnsumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
BANK STATED THEY WOULD BE CLOSING MY ACCOUNT ON XX/XX/XXXX. AS OF THIS WEEK THE ACCOUNTS WERENT CLOSED. WHEN I FILED ANOTHER COMPLAINT THEY CLOSED ONE ACCOUNT AND DID NOT CLOSE THE OTHER. THEY TO DATE HAVE NOT SENT MY MONEY FROM EITHER OF MY ACCOUNTS, ARENT PROVIDING ME UPDATES. TOLD ME THAT MY KIDS WOULD HAVE TO STARVE BECAUSE THEY ARE HOLDING MY MONEY. THEY ARENT PROVIDING ANY UPDATES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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:
Please see attached documsfents. Do not close this complaint stating it is not me. I am a natural person and a conssafumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: The CMI Group, Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX. I am submitting this complaint on behalf of myself without any third parties. On XX/XX/2024, I received an email from CREDIT MANAGEMENT, L.P., without prior consent, in regards to an alleged debt owed from a " XXXX XXXX XXXX XXXX XXXX' See exhibit A. On XX/XX/2024, I emailed the above-mentioned back requesting validation pursuant to 15 U.S. Code 1692g as well as a Cease and Desist pursuant to 15 U.S. Code 1692c. See exhibit B and exhibit C. Today, XX/XX/2024 at XXXX, I received a text message from CREDIT MANAGEMENT, L.P., without my prior consent, once again, and a Cease and Desist already in place on XX/XX/2024. See exhibit D. The above-mentioned are in direct violation 15 U.S. Code 1692c as they've continue to attempt to communicate despite issued Cease and Desist. See exhibit E. Anyone that fails to comply with provisions of 15 U.S. Code 1692 subchapter with respect, therefore, liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. See exhibit F.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 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: IL

Complaint narrative:
Please see attsfached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

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 2024-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I had an account with target red card. I contacted and tried to dispute with target several times and even asked for a payment update because it showed different amounts on the 3 credit bureaus. I called them to close the account and was told I would have to make an payment to close it which I was okay doing but when it got time to make the payment the representative told me oh your case was transferred to another company and when the other company got on the phone they asked for my information in which I was sure they would've had it. It was XXXX XXXX which is a collection agency. I never received anything from XXXX XXXX saying they are the ones in charge of my collection or anything. I wouldn't even had known my case was transferred to them had I not tried to make a payment. I have tried many times to dispute this account because it has been very detrimental to me and my well-being s as it has made my credit drop. 15 U.S.C 1681 section 602.A states I have the right to privacy and I feel my privacy was evaded by target transferring my account without my knowledge then posting on my credit report. XXXX XXXX is trying to collect the debt but td bank/target is reporting on my credit. Its too many discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Seattle Service Bureau, Inc
State: IL

Complaint narrative:
Back into a car it was my fault. XXXX XXXX paid for the accident and wanted reimbursement Sent to a collection agency with0ut even contacting me for payment. I XXXX a month to pay ot off the full amount was XXXX It was paid off in XX/XX/2023. Them the man at the collection agency told me u owe XXXX more so I asked him to send me paperwork on it he sent me the paperwork for thee XXXX now he's threatening me to have my license revoked but he still won't send me paperwork on the XXXX The collection agen is national service bureau in XXXXXXXX XXXX  The man I'm dealing with is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: LEXISNEXIS
State: MI

Complaint narrative:
Please see attached docuasments. Do not close this complaint stating it is not me. I am a natural person and a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: WA

Complaint narrative:
I had an auto loan with SANTANDER and have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. I called SANTANDER, and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me to be 30 days late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, and SANTANDER with no successful resolution. XXXX reported me 30 days late in XX/XX/2023. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: GA

Complaint narrative:
While taking a look at my report I see inconsistent dates and balances

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account my written instructions under 15 USCS 1666b a Predator may not treat a payment on a credit card account under an open and Consumer Credit plan as late for any purpose

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 2024-01-31 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/year> I purchased a couch for {$2800.00}, I requested a refund from XXXX XXXX the following XXXX  and they accepted that they will acknowledge the refund and provide me a path to do so ( Check document attached ). XXXX XXXX however stated that they are not responsible for processing the return and it is XXXX XXXX but XXXX XXXX stated the exact obvious. Since the refund was not being implemented, I contacted XXXX XXXX the creditor and disputed the charge, they refused to give me back my money and hung up on me on the phone multiple times. This is an issue with XXXX XXXX mainly for refusing to refund my money, also XXXX and XXXX XXXX but not giving me correct information on who is responsible for processing the refunds!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-31 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: NC

Complaint narrative:
I recently pulled a copy of my credit report and noticed that there are accounts being reported that I have no knowledge of or affiliated with. I contacted the credit reporting agencies in XX/XX/2023 via phone and XX/XX/2023 to notify them that someone was attempting to access line of credit in my name that I had not authorized. I ask for verification of these transactions. I pulled another report and now I see an account that I have never acquired. 
I have the right to privacy and furnishing accounts without my written consent is in violation of 15 USC 1681B I have researched these creditors and I have never had any accounts or applied for credit with these creditors, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Furnishing these transactions to my profile due to identity theft is in violation of 15 USC 1681 c-2 I have previously that any address I've never resided be deleted from my profile to prevent any further fraudulent activities

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 2024-02-01 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I've consistently maintained timely payments on this account and have never been late. I'm puzzled by the reports of late payment remarks on my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
1. Created Online account 2. Sent money to said account ( nearly XXXX ) 3. Account locked.

4. Went to bank, explained. They said, call.

5. Called. Was told online account has been reset. To Pick a new Username. BUT your temporary password will come in the mail in 3-5 business days. 
6. Nothing came 7. On the 6th business day, a letter came informing me my account has been closed due to lack of verification. 
8. Immediately head to bank to get my money and agree to closing my account. ( At this time I dont want to bank with you already ) 9. Your money has already been sent in the mail via check, and will arrive in 7-10 days. 

This is two full weeks, I havent had access to my student loans, because Bank of America doesnt know how to protect their customers. 


If there was any actual concern, ANY follow up email after the temporary password email would be informative and helpful.

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