vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-25 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 am writing to formally dispute several unauthorized credit inquiries that appear on my credit report. 
After reviewing my credit history, I have identified the following inquiries that I did not authorize : 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 Dear TransUnion, I hope this message finds you well. I am reaching out urgently to address a grave concern regarding a recently discovered fraudulent account linked to XXXX XXXX. 
Details of the fraudulent account are as follows : - Account Number : XXXX I want to emphasize that I have no affiliation with XXXX XXXX, nor do I recognize the company. 
Given this, I am asserting that the reported account is fraudulent, and I am formally requesting its immediate removal from my credit report. 
Your swift attention to this matter is imperative, and I appreciate your prompt cooperation in rectifying this fraudulent activity on my credit report I filed a dispute concerning a late payment reported by XXXX XXXX XXXX , citing it as credit consumer fraud. I have XXXX accounts with them : one is paid and closed, and the other has a balance of {$380.00} remaining. Account XXXX, which is not closed, was reported late for XXXX due to a billing error. I have documentation from XXXX XXXX confirming this error and stating they will notify all XXXX credit bureaus, although it may take up to XXXX days. Despite disputing it myself, my credit report still shows a XXXX mark from XXXX by the same institution. 

In addition to disputing the late payment reported by XXXX XXXX XXXX , I have also disputed an account with XXXX XXXX. Last updated by the bureau on XX/XX/XXXX, this account shows a balance of {$0.00}, available credit of {$200.00}, and a minimum payment of {$0.00}. It was opened in XXXX 2021 ( XXXX years ago ) as a fraudulent account, which has since been removed from my XXXX credit report. Despite this, it still appears as an open account. This is another instance of incorrect credit reporting, which violates consumer law.

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 2024-03-25 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: NJ

Complaint narrative:
Kindly remove this to my credit report. This is causing me a lot of stress and 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 2024-03-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: TN

Complaint narrative:
In XXXX of XXXX, I originally requested validation, correction to credit reporting agencies, and instructed them to cease and desist in trying to collect an erroneous debt ; including, communication in any form. They persisted, so I sent a letter that was dated in XXXX of XXXX in early XX/XX/XXXX. The certified letter was received ; yet, they fail to provide the requested documentation, they persisted in reporting the information, and they violated the cease and desist, as you can see from the evidence and date of letter they recently sent to me after receiving the certified notice. Unless they comply, I will be seeking to have the agency banned and damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-03-25 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: GA

Complaint narrative:
I wrote TransUnion about late payments show up on my credit. 
On XXXX XXXX XXXX XXXX 15 U.S. Code 1666b - Timing of payments IF YOU CHECK MY BANK STATEMENTS THESE LATE PAYMENT SHOULD BE REPORTING PAID ON TIME NEVER LATE FOR ALL 4 MONTHS

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 2024-03-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Possible Financial Inc
State: UT

Complaint narrative:
Dear Federal Trade Commission OR Consumer Federal Protection Bureau I am writing to file a formal complaint against Possible Finance, regarding their predatory billing practices and utter disregard for customer requests. Despite numerous attempts to rectify the situation, the company has persistently failed to remove my checking account from their system, resulting in unauthorized charges. 

I am currently undergoing a divorce and will no longer be a joint account holder on the checking account linked to Possible finance. I have explicitly communicated this to them over XXXX weeks ago, pleading over XXXX times for them to remove my account to prevent unauthorized charges. Despite their assurances via email and within their app that my account has been removed and there is no bank connection, they have continued to charge the account linked to my soon-to-be ex-spouse. I am currently going through a divorce and did the right thing in letting them know I will need to get them paid another way as I will no longer be a joint owner on the linked bank account number. 

On XX/XX/XXXX, I received yet another email indicating that my account would be charged, despite assurances that it had been removed. When I reached out to inquire about the bank they were charging, they ceased communication altogether. This is not the first instance of such behavior ; they have previously charged the account after confirming its removal. 

This refusal to remove my account, coupled with their repeated unauthorized charges, is not only infuriating but also financially burdensome. Their suggestion of paying via money order is impractical, and their failure to accommodate alternative payment methods is unacceptable. 

As of XX/XX/XXXX, I will no longer be associated with the account in question. Therefore, their insistence on retaining my account information beyond this date is not only nonsensical but also predatory. I demand immediate action to rectify this situation, including the cessation of unauthorized charges and the return of funds wrongly taken from the account. 

I implore the Consumer Federal Protection Bureau to investigate this matter promptly and hold Possible Finance accountable for their egregious actions. Consumers deserve to be treated with respect and integrity, not subjected to such appalling behavior. 

Thank you for your attention to this matter. 

Sincerely,

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: TN

Complaint narrative:
its been over XXXX days and the creditor information not had provided proof or documentation in regard to a late payment They have not supplied this information and they must delete the alleged late payments on my credit report. Under federal law they had XXXX days to complete this investigation, and failing to do so this must be deleted immediately from the report as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: NJ

Complaint narrative:
I did not consent to these inquiries and firmly believe they are fraudulent. I implore you to conduct a comprehensive investigation and promptly delete them from 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 non-monetary relief
Consumer complaint received 2024-03-25 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: Atlanticus Services Corporation
State: CT

Complaint narrative:
On XX/XX/2024 Aspire called me and asked me to verify if I had made some purchases. I looked into my Aspire Credit Card account and saw purchases that I had not made nor did I authorized. There were several purchases totally over {$280.00} Aspire proceeded to file a fraud claim so that I could get a provisional credit. On XX/XX/XXXX I called Aspire to see why I hadn't gotten my provisional credit. They said they were still processing it and that I should have it within XXXX days. It is now XX/XX/2024 and I called Aspire, they said they still have not processed my XXXX claim and they did confirm that they did receive it and that I was told wrong information when I was told it can take up to XXXX to XXXX hours. They then said that it can now be up to XXXX weeks. I told them that they should not be reporting this on my credit report and it is showing on my credit report. I shouldn't be responsible or being penalized for XXXX and them not processing the claim and their reps lying to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-25 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: MD

Complaint narrative:
Late payment reporting In accordance with the Fair Credit Reporting Act, This creditor has violated my rights under 15 USC 1681section 602 states, I have the right to privacy. 15USC 1681section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on an account under an open-end consumer credit plan as late for any purpose.

Unauthorized Inquiries I have noticed unauthorized inquiries on my credit report and would like it removed. According to the FCRA, this unverified and unauthorized item must be removed. I would not like to have a freeze on my account it is not necessary I will freeze my accounts myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: MD

Complaint narrative:
Late payment reporting In accordance with the Fair Credit Reporting Act, This creditor has violated my rights under 15 USC 1681section 602 states, I have the right to privacy. 15USC 1681section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on an account under an open-end consumer credit plan as late for any purpose.

Unauthorized Inquiries I have noticed unauthorized inquiries on my credit report and would like it removed. According to the FCRA, this unverified and unauthorized item must be removed. I would not like to have a freeze on my account it is not necessary I will freeze my accounts myself.

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 2024-03-25 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: FL

Complaint narrative:
See letter I have 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 explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rozlin Financial Group, Inc.
State: HI

Complaint narrative:
XX/XX/2024 I sent this email to XXXX  .... 
I did not authorize this profile and inform your establishment this matter has been reported as fraudulent to my financial institution. I ask that you reimburse any charges that were unlawfully taken from my account and ensure any of my personal information have not been compromised ; immediately. 

XX/XX/2024 XXXX  responded with... 
Dear XXXX, Thank you for your email.

We apologize for the inconvenience caused.I understand that you've claimed your profile and subscription as unauthorized.I will be glad to assist you. We have received your recent inquiry regarding an unauthorized XXXX  charge to your credit card. We take your report seriously and have assigned this investigation to one of our Account Specialists.
Rest assured that if we find this to be a fraudulent charge, we will immediately refund the charge, close the account and notify you of our actions.

Should you have any further queries regarding this matter, please do not hesitate to contact us. 
Sincerely, XXXX XXXX. 
XXXX  Customer Care XX/XX/2024 XXXX  responded and stated, We have received your recent inquiry regarding unauthorized charges and were able to locate a subscription associated with profile ID : XXXX. Based on our review of this account, we have found no evidence of fraud.

While our members may request removal of their accounts at any time, if there is an outstanding balance owed, XXXX  is under no obligation to grant the
request.

Moreover, as per our records, I can see that you have an outstanding balance of {$450.00} on your current membership. To settle the dues, please login on your account where the Reactivate page is available.

We have confirmed that the automatic renewal on your account has been XXXX and your membership is set to expire on the XX/XX/2024 Recently, I was notified by XXXX  is a debt collector .....

We are trying to collect a debt that you owe to XXXX. We will use any information you give us to help collect the debt.

Notice Date : XX/XX/2024 Reference Number : XXXX To : XXXX XXXX XXXX, HI XXXX Our Information Shows : You had a subscription from XXXX  with account number XXXX. 
As of XX/XX/2024, you owed : {$470.00} Between XX/XX/2024 and today : You were charged this amount in interest : + {$0.00} You were charged this amount in fees : + {$0.00} You paid or were credit this amount toward the debt : - {$0.00} Total amount of the debt now : {$470.00} Last Payment Received : None

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 2024-03-25 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: NY

Complaint narrative:
I am writing to follow up on my previous complaint regarding the negative entries on my credit report that I requested to be removed. I appreciate your response, but I must express my disappointment with your statement that these entries were validated and updated. I firmly believe that these are unverified items, and I have no recollection of these negative accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to follow up on my previous complaint regarding the negative entries on my credit report that I requested to be removed. I appreciate your response, but I must express my disappointment with your statement that these entries were validated and updated. I firmly believe that these are unverified items, and I have no recollection of these negative accounts.

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 2024-03-25 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: NJ

Complaint narrative:
please update all late payments to PAID ON TIME OR AS AGREED 15 USC 1666B SEE ATTACHED DOCS

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 2024-03-25 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: NJ

Complaint narrative:
please update all late payments to PAID ON TIME OR AS AGREED 15 USC 1666B SEE ATTACHED DOCS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/2024 I mailed a request via USPS Certified Mail to capital one requesting the full on and off ledger accounting records of all transactions that transpired between their company and my en legius. Capital One received the letter on XX/XX/2024. I gave them 14 days to respond. I never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: MD

Complaint narrative:
I looked at my report back on XX/XX/XXXX and noticed some things are incomplete and not accurate. And 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. These accounts [ XXXX XXXX XXXX XXXX ]. [ XXXX XXXX XXXX XXXX ]. [ XXXX XXXX XXXX ], [ XXXX XXXX XXXX ] are not complete and accurate.

And one more thing according to 15 USC 1681s-2 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. Check the attachments below.

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 2024-03-25 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: MI

Complaint narrative:
I have 10 student loan accounts that are all reporting as as COLLECTION from XX/XX/XXXX to XX/XX/XXXX according to my credit report. 

This is inaccurate reporting of my payment status, as I've deferred these payments. This should be reporting as " CURRENT '', it is severely hurting my score.

I have tried to rectify with the credit bureaus and my loan provider with no resolution. I want these accounts investigated and corrected with the correct payment status.

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