vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-05-28 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: GA

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

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 2024-05-28 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:
I am the author of this complaint and I have attached. 

I have been constantly disputing some fraudulent and unlawful accounts that are being furnished and reported to my credit report. The credit bureaus has said that the accounts were verified as accurate. I am requesting an explanation on how exactly these accounts has been verified and validated.

One of the accounts, XXXX XXXX has provided me with an AUD form that they submitted to the CRAs with a request to permanently delete the account from my credit reports due to the fact that XXXX XXXX and myself signed a settlement release agreement form prior to arbitration, with the deletion being one of the terms of the agreement. I will attache both the settlement release form and the AUD form to this complaint XXXX XXXX XXXX, has been acting unlawfully in regards to how they are reporting to my credit report. They are in violation of the FCRA and FDCPA. Also, I tried to arbitrate this creditor but they will not honor the arbitration agreement in their terms and conditions. If they will not remove the account, I will have no choice but to seek remedy in a court of law. 

XXXX XXXX XXXX is reporting and filing frivolous lawsuits without properly validating the account or providing any documented proof with my signature on it showing my obligation to alleged debts.

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 2024-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FC HoldCo LLC
State: LA

Complaint narrative:
In XXXX of 2023 I had to sign a 25 % APR on an auto loan through flagship credit acceptance. I did this knowing I could refinance after 6 months and my credit score going up. Well, they haven't been reporting my on time payments. Therefore my credit has not increased.

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 2024-05-28 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: AL

Complaint narrative:
XXXX XXXX XX/XX/2024 Equifax XXXX XXXX XXXX Date of Last Payment XX/XX/2024 XXXX Report DATE XX/XX/2024 Eqifax Report DATE XX/XX/2024 Equifax Date of LAST payment XXXX Last DATE active Equifax Last Date Active N/A XXXX XXXX XXXX XXXX Report Date N/A XXXX Date of LAST payment N/A XXXX HAS NO HISTORY, but is on my XXXX credit report as a hard inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA

Complaint narrative:
I have submitted numerous disputes directly with the credit bureaus and the original creditor XXXX XXXX XXXX XXXX XXXX In addition, I have submitted complaints and received frivolous responses from the creditor. I specifically have been requesting validation of the debt including a copy of a signed contract and complete accounting of the debt mentioned. In the last communication sent from the creditor mentioned that the account is being serviced by a collection agency Weltman , Weinberg & Reis Co. This creditor is not reporting on my credit reports therefore I am unable to dispute these accounts electronically. As a remedy, I contacted them promptly by phone and left messages with XXXX XXXX whom the operator stated is the account manager for this XXXX account. In addition, I have emailed customer support and still have not received a response with validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: NY

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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:
I observed my credit report and identified inaccurate accounts that require 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 2024-05-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
We have been notified numerous times in the last year that our personal information was stolen in data breaches at several organizations. Hackers used that information to break into our Marcus Goldman Sachs accounts. On XX/XX/24, the hackers tried to remove {$3500.00} from a savings account. We were alerted and stopped the transaction immediately, and thought we totally froze our account. Marcus closed down our compromised savings accounts, but for some reason, not our XXXX. On XX/XX/24, the hackers somehow got back into our account, cashed out the XXXX, and again tried to remove {$3500.00} from the account ( the same account that had been closed the day before ). Again, we were alerted and stopped the transaction immediately. We subsequently found out the the hackers had changed contact information in a failed attempt to hide the theft. Marcus Goldman Sachs. Marcus restored the two {$3500.00} attempted withdrawals to our account. However, after 102 days and counting, Marcus has failed to restore the {$1900.00} plus interest for the fraudulent early withdrawal penalty. The company has benefitted from this identity theft by escaping from a 5.50 % interest XXXX  to only paying 4.4 % interest in a savings account, not to mention charging a bogus fee on top of it. The customer service has been atrocious. So far, XXXX phone calls, over XXXX hours on the phone... Promise after promise, yet no progress. Our refund is " in progress '' or " awaiting final approval '' or " approved, but waiting final sign off by compliance ''. Every call is a well meaning, polite, but poorly empowered representative who can't do anything. This seems like a system wide scheme to delay delay delay. Their security policies are not sufficient, and their customer service is terrible. Don't be fooled- a manager will not call you, your refund isnt in progress, and your accounts might not actually be protected even though they tell you they froze them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates acquired my personal information without my authorization. I have never done business with them and am unaware of who they are. It appears they opened an account in my name without my knowledge or consent, constituting aggravated identity theft. I filed a complaint with the CFPB, and their response indicated that XXXX purchased this account with my personal information. I do not authorize them to possess my personal information and do not agree to engage in any business with Portfolio Recovery Associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: AZ

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-05-28 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: NY

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-05-28 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: IN

Complaint narrative:
After examining my credit report, I'm troubled to find a late payment notation despite having no history of late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

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 2024-05-28 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: VA

Complaint narrative:
Upon reviewing my credit report, I detected inaccurate accounts that were not a result of any error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: VA

Complaint narrative:
Upon reviewing my credit report, I detected inaccurate accounts that were not a result of any error.

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 2024-05-28 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: NY

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: IN

Complaint narrative:
We have an apartment attached to our home. We had been caring for ill relative and had caregivers. We left on trip and our card was used several times online and in person. Items were delivered to this address. When we got home we had found some items and returned them. Also we called creditors and some of them refunded us We didnt make these charges Discover denied the fraud and reversed all the charges with out explanation. We have contacted police but they said we had to contact the credit card We did not authorize any charges on Discover. We havent used the card since XX/XX/2023. All charges sent here to you are fraud. We have talked to the company a lot Please help us

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
i have disputed this collection with equifax before. this collection is not mine. i have never lived at this address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I informed Truist Bank that {$50.00} opening deposit was withdrawn upon opening the Truist One Checking account on XX/XX/24. Despite blocking my account within 2 days of opening on XX/XX/24, Truist did not send me my funds until 2+ months after, on XX/XX/24. This check was for the incorrect amount i.e. {$38.00}. I contacted Truist customer service multiple times to correct this but they were incompetent and unable/ unwilling to do so. This is a serious violation of customer trust as well as illegal. By CPFB and banking standards, Truist isn't allowed to keep even a single cent of my money since it is their fault that my account was closed. As I never got to use my account, they should have returned the funds right away, instead of holding onto it for 2+ months and then returning the incorrect amount. Any banking fees on this account should never have been charged since I was unable to access my account from the get go. This has tainted my view of Truist and I'll not be their customer and advise everyone else to stay away from them as well. 

I have attached documents that clearly show the {$50.00} opening deposit that was withdrawn as well as the email transcript with Truist that shows my attempt to restore the closed account and their unwillingness to do so.

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 2024-05-28 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: NY

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require 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 non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 2024-05-28 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: AZ

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-05-28 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: AZ

Complaint narrative:
I looked at my credit report XXXX, XXXXXXXX XXXX, I noticed some things that are incomplete and not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I sent a letter to Equifax asking them to reinvestigate the completeness and accuracy of my accounts below, XXXX XXXXXXXX XXXX ( Open date is not reporting correctly, date last active, date of late payment is not correct, this account is not accurate ) XXXX XXXX XXXX ( Open date is not reporting correctly, date last active, date of late payment is not correct, this account is not accurate ) XXXX XXXX XXXXXXXX ( Open date is not reporting correctly, date last active, date of late payment is not correct, this account is not accurate XXXX XXXX XXXX XXXXXXXX ( Open date is not reporting correctly, date last active, date of late payment is not correct, this account is not accurate )

Company response to consumer: Closed with non-monetary relief