vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-11 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: LA

Complaint narrative:
Upon careful review of my credit reports from XXXX, EQUIFAX, AND XXXX. I have noticed the presence of multiple illegally re-aged accounts being reported to my consumer reports. This information is in fact damaging my credit worthiness and prolonging the statute of limitations on the debt regarding the accounts. The companies that have illegally re-aged the date of last activity on my report after each account 's default includes the following companies and their dates : XXXX XXXX  Account Number : XXXX ( XXXX XX/XX/XXXX, XXXX XXXX, EQUIFAX XX/XX/XXXX XXXX, XXXX  XXXX Account Number : XXXX ( XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX EQUIFAX XX/XX/XXXX XXXXXXXX XXXX  Account Number : XXXX ( XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, EQUIFAX XX/XX/XXXX XXXX, and XXXX Account Number XXXX XXXX ( XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, EQUIFAX XX/XX/XXXX ). All of these companies are in violation of 15 USC 1681s-2 ( a ) ( 1 ) ( a ) and FCRA section 605B for intentionally reporting fraudulent and false information. I want these accounts blocked and removed from all consumer reporting agencies regarding my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. Details of the accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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:
To minimize chances of identity threat or fraud, I have a freeze on my accounts at the 3 major credit reporting agencies ( in effect for several years now ). I received letter below from Transunion that my credit report was sent in association with a fraudulent application. 
I was never contacted by XXXX XXXX, who had made the request. 

My financial information and account information has now been sent to party that might engage in further fraud or identity theft.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act the below listed accounts have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I would like all these accounts removed from my account, I have no knowledge of these accounts, and I have also contacted the creditors with no explanation nor resolution to the matter. 

XXXX XXXX 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 2024-04-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act the below listed accounts have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I would like all these accounts removed from my account, I have no knowledge of these accounts, and I have also contacted the creditors with no explanation nor resolution to the matter. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: MD

Complaint narrative:
I contacted XXXXXXXX XXXX XXXX  company to close the account in XX/XX/year> to close the account. My sister who is a XXXX  passed in another state and I was responsible for her burial arrangements which included transporting her body to Maryland. I was told I could not close the account. The bill is inflated to XXXX, and Jefferson Capital Systems LLC has contacted me through email. I have never done business with them and do not owe this inflated amount. I can not afford to have this added to my credit report and would like assistance handling this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 15 U.S. Code 1681c2 - Block of information resulting from identity theft, I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX You are required by law to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 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 non-monetary relief
Consumer complaint received 2024-04-11 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: NY

Complaint narrative:
I am an Identity theft victim and Transunion refused to block the accounts on report despite providing them with all of my information thats requested for a block. I provided them all of the documents required for a block of the information. I sent my ID, my Identity theft report, my social security card as well as a utility bill. They stated that they verified the accounts but The fraudulent accounts are also 100 % inaccurate and are in violation of usc1681e ( b ). I attached all of the documents that I sent Transunion via certified mail along with a notarized letter. All of the accounts agreements with the creditors are under litigation. If they actually did an investigation, they would know that from the creditors. That's how I know it's a computer that rejected my Identity theft claim.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I noticed unauthorized credit inquiries on 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 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I transferred XXXXXXXX XXXX from my Chase credit card to my XXXX XXXX XXXX  credit card for a lower interest rate in XXXX XXXX XXXX 
Neither Chase nor XXXX have acknowledged the transfer. 
Now I am paying on XXXXXXXX XXXX of credit cards and interest. 
After dozens of phone calls and visits to several branches of each bank they say it's the other bank 's problem. 
Chase says they never received the payment, XXXX says they paid it. I can not obtain proof that XXXX paid Chase the XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
I tried to withdraw my full bank account balance to my external bank account at Marcus by Goldman Sachs to my brokerage account on originally in early XXXX, XXXX. They blocked the withdrawal without letting me know the reason. They also froze my account, so I am not able to withdraw my money. I was previously able to pull out whatever amount of money from the account in smaller amounts which I had done so multiple times. 

Over the past three weeks, I called them many times to resolve this issue. At the first and second call they said that the reason for this was quick money movement and could not do anything over the phone and to try again the next day to see if the hold had been removed from my account. At the second or third call, they said I couldn't withdraw to the account I had made the smaller withdrawals from because it was not the account I had originally deposited with. At this point, I had decided I was done with their services and requested a closure of my account and demanded a full withdrawal. I was then told that the account I had originally deposited with had been removed from their records and the only account that remained was the account I was told I could not withdraw my balance to because of " quick money movement '' ( even though I had already made withdrawals to this account previously. Once connected to a supervisor, I was told the only way to receive my money would be to reconnect the account they removed by recording the trial deposits they promised they would send, in the next 5 business days and even then, I would only be allowed to withdraw a portion of my balance ( not the entire amount ). After asking why this was, they told me I had to have it in their account for 90 days I had opened. Having this experience doesn't make me want to continue having an account with their service and after I do reconnect the account, they promised me that I could withdraw from, I don't trust that they will allow me to withdraw my balance.

I think Marcus is just purposely preventing me to withdraw my own money there, in the name of security and authentication. It has almost been a month of calling. They did absolutely nothing concrete apart from saying vague words " creating a case '', " making a note to expedite this '', " we are in the process of XXXX ''. 

Looking around the internet, I realized that Marcus is notorious for holding up their client 's money using similar excuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: CA

Complaint narrative:
I'm reaching out today to report that I've been a victim of identity theft. Please consider this letter as a formal dispute concerning the following accounts. I've already reached out directly to all the involved companies and followed the prescribed steps to address this issue. I've also filed an identity theft report with the FTC and have disputed the information with each company. I kindly request your assistance in resolving this matter. XXXX 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 explanation
Consumer complaint received 2024-04-11 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: CA

Complaint narrative:
I'm reaching out today to report that I've been a victim of identity theft. Please consider this letter as a formal dispute concerning the following accounts. I've already reached out directly to all the involved companies and followed the prescribed steps to address this issue. I've also filed an identity theft report with the FTC and have disputed the information with each company. I kindly request your assistance in resolving this matter. XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I comprehend that under FCRA 605B, it's crucial to eliminate any incorrect accounts from my credit report. Would you mind examining the documents? I've observed that numerous of the listed accounts appear to be inaccurate, which is causing me concern.

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 2024-04-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
On XXXX XX/XX/XXXX I received an email from USAA stating that a person by the name of XXXX XXXX had been added to my USAA account. Once I received the info I went to my USAA account and I visually seen that individuals name. I do not know the person and this person is not related to me. 
I informed USAA the following day that this unknown person has fradulently accessed my account. 
I was informed on XXXX XX/XX/XXXX that the issue would be taken care of. On XXXX XX/XX/XXXX I noticed that the unknown person was stilll on my account therefore I called USAA again on XXXX XX/XX/XXXX and I personally feel as though they have let me down by allowing an unknown person to use my information to open up an account with them. This person is committing fraud and I have informed USAA that I do not know this persons. 
This is the XXXX time in the past 10 years that USAA has allowed an unknown person to accesss my account and commit fraud on my account. 
I beleive that USAA needs to put better security features in place to protect its members. As a result of their lack luster security I have lost XXXX  of dollars and my checking account was also compromised as well.I would like to see USAA put a better system in place to protect its members.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are some fraudulent inquiries on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There is a debt collector on my credit report by the name of XXXX XXXX XXXX for {$1500.00}. This debt was previously being reported by XXXX XXXX XXXX XXXX XXXX ). I disputed this debt to the credit bureaus and the account was deleted because the information was inaccurate. A new debt collector ( XXXX XXXX XXXX ) is now reporting this very same debt but the disputed information has still never been verified.

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 2024-04-11 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: TX

Complaint narrative:
I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments. I did not incur any late fees

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 2024-04-11 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:
In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required XXXX notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information. 

PERSONAL INFORMATION : The information reflected in my credit reports is currently marred by inaccuracies that have had a detrimental impact on my ability to secure new credit. As I submit credit applications to potential lenders, the discrepancies present in the reported data have led to confusion and contradictions, ultimately misrepresenting my creditworthiness. 

Given the gravity of these inaccuracies and their adverse effects on my financial reputation, I am formally requesting the correction of these errors and the subsequent removal of the incorrect items from my credit reports. It is imperative that my credit file accurately reflects my financial standing and history to ensure fair and informed assessments by creditors.

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 2024-04-11 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: NC

Complaint narrative:
I contacted all 3 bureaus on XX/XX/2023 requesting that they remove the stated accounts but I got no response from them. 

RE : Compliance and Procedures To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT 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. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below OR a Certification from the creditor that the certified accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of the verifiable proof, you must DELETE the account listed below. 
I demand that the following accounts be validated or DELETED immediately. 


XXXX. XXXX XXXX XXXX 
XXXX. XXXX XXXX 
XXXX. XXXX XXXX XXXX 
XXXX. XXXXXXXX XXXX XXXX 
In addition, DELETE all non-account bearing holding inquiries over 30 days old. Also, please add a promotional suppression to my consumer file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I viewed my credit report and noticed that there are incorrect accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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