vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 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 am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : US DEPT ED XXXX US DEPT ED XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2024-12-31 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: RI

Complaint narrative:
Three credit inquiries from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX are erroneously reported on my credit report. I have no recollection of applying for credit with these institutions. These inquiries are negatively impacting my credit score, hindering my ability to secure loans and potentially causing financial harm. I request an investigation into these inquiries and production of any credit applications bearing my signature for these reported inquiries.

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 2024-12-31 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: RI

Complaint narrative:
Three credit inquiries from XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX are erroneously reported on my credit report. I have no recollection of applying for credit with these institutions. These inquiries are negatively impacting my credit score, hindering my ability to secure loans and potentially causing financial harm. I request an investigation into these inquiries and production of any credit applications bearing my signature for these reported inquiries.

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 2024-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I have repeatedly disputed several accounts on my credit reports through the credit bureaus ' apps ( XXXX, XXXX, and XXXX ). The disputed accounts are as follows : XXXX XXXX ( XXXX - OH XXXX. XXXX XXXX ) Amount : {$780.00} Date Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} Date Reported : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX  XXXX Bank XXXX XXXX : {$600.00} Date Reported : XX/XX/XXXX Pro XXXX XXXX  Amount : {$6900.00} Date Reported : XX/XX/XXXX Despite disputing these accounts multiple times, the only response I have received from the credit bureaus is the generic statement : " The collection remains. '' No evidence or documentation has been provided to verify the accuracy of these accounts or substantiate their validity. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a reasonable investigation and provide specific details about the sources of their verification. The repeated, vague responses I received fail to meet these legal requirements. 

I believe these accounts are either inaccurate, unverifiable, or should no longer be reported. I am requesting the CFPB 's assistance to : Ensure the credit bureaus conduct a proper investigation and provide specific verification of these accounts, including supporting documentation. 
Require the removal of any accounts that can not be properly verified. 
The lack of meaningful responses from the credit bureaus has caused unnecessary harm to my credit standing. I seek resolution to ensure that my credit reports are accurate and in compliance with federal laws

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 2024-12-31 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: NY

Complaint narrative:
XXXX XXXX fraudulent accounts must be blocked or deleted. 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 2024-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
My credit score dropped by XXXX XXXX  and I had to search for information as to why. I then received a letter at my father 's home who has XXXX and responded to the letter which he opened and informed the company to provide me with information. They addressed the letter as my name missing the initial after informing then I shared a name with him and I was a junior. After this they sent me very brief information without the information I asked for and I offered to pay 50 % of the debt however when addressing the next letter to use my full legal name as my father does not need to see my mail nor my mother. They replied with sending the letter to my father who read my mail yet again refusing to adhere to what I informed them and to address me and not my father. I now have an email threatening legal action if I don't adhere to their offer and settle through debt. Fair Debt Collection Practices Act ( FDCPA ) it is against the law t I contact a family member with personal information if I do not live with them. They not only violated this law but have done so repeatedly by refusing my request. This company has also been sending emails as I have requested to address me using only 1 method by mail. My father is also a XXXX  and not only is this abuse of contact infuriating to myself and my family from my research this company has a track record for breaking the law and something should be done. Have they not been held accountable and continue to do the same tactics.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: TX

Complaint narrative:
I am wrote to XXXX, Transunion, XXXX, its partners, and affiliates : I am rescinding and opting out of their company sharing my personal and private nonpublic information. Personal nonpublic information is defined as Personally identifiable financial information ; and any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available pursuant to 16 CFR 313.3n ( 1 ) ( i ) and 16 CFR 313.3n ( 1 ) ( ii ). As of today, XX/XX/2024 XXXXXXXX XXXX I no longer give your company, its partners and affiliates knowingly or unknowingly consent or permission to share my private nonpublic information. 
I am a consumer and consumers have the right to privacy. Privacy is defined as the right not to have ones personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy your company is governed by the rules of the Gramm Leach Bliley Act. The Gramm Leach Bliley Act provides that consumers of their right to opt-out if they dont want their information shared with certain nonaffiliated third parties such as credit reporting agencies. Nonpublic information is any information such as name, address etc and/or about an individual from a transaction involving payment history, loan, account number, Therefore I am demanding you, your company and affiliates to fully compensate for the various violations including but not limited to breach of trust, within 10 business days for infringing on my right to privacy. 
I am giving your company 30 days to update my request and cease & desist furnishing my nonpublic information. If your company does not adhere to this notice, I will be forced to bring legal suit for infringing on my unalienable rights. 
Best regards,

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 2024-12-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am wrote to XXXX, XXXX, Experian, its partners, and affiliates : I am rescinding and opting out of their company sharing my personal and private nonpublic information. Personal nonpublic information is defined as Personally identifiable financial information ; and any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available pursuant to 16 CFR 313.3n ( 1 ) ( i ) and 16 CFR 313.3n ( 1 ) ( ii ). As of today, XX/XX/year> XXXXXXXX XXXX I no longer give your company, its partners and affiliates knowingly or unknowingly consent or permission to share my private nonpublic information. 
I am a consumer and consumers have the right to privacy. Privacy is defined as the right not to have ones personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy your company is governed by the rules of the Gramm Leach Bliley Act. The Gramm Leach Bliley Act provides that consumers of their right to opt-out if they dont want their information shared with certain nonaffiliated third parties such as credit reporting agencies. Nonpublic information is any information such as name, address etc and/or about an individual from a transaction involving payment history, loan, account number, Therefore I am demanding you, your company and affiliates to fully compensate for the various violations including but not limited to breach of trust, within 10 business days for infringing on my right to privacy. 
I am giving your company 30 days to update my request and cease & desist furnishing my nonpublic information. If your company does not adhere to this notice, I will be forced to bring legal suit for infringing on my unalienable rights. 
Best regards,

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 2024-12-31 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: NY

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Transunion, XXXX and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Transunion : collection account at XXXX  XXXX opened on XX/XX/XXXX under account number XXXX with a balance of {$1300.00}, collection account at XXXX  XXXX opened on XXXX XXXX under account number XXXX with a balance of {$4600.00}, collection account at XXXX XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX with a balance of {$1100.00}, collection account at XXXX XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX with a balance of {$740.00}, collection account at XXXX XXXX on XX/XX/XXXX under account number XXXX with a balance of {$3200.00}, collection account at XXXX XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX with a balance of {$14000.00} collection account at XXXX XXXX on XX/XX/XXXX under account number XXXX with a balance of {$2000.00}, collection account at XXXX opened on XX/XX/XXXX XXXX account number XXXX with a balance of {$21000.00} These accounts have resulted in hard inquiries fraudulent collections appearing on my consumer FICO credit report. Attached is a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, as reported. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, are the result of identity theft and ineesitofCentythetand fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and 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 non-monetary relief
Consumer complaint received 2024-12-31 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
XXXX XXXX I deposited a check into my business account at Citizens Bank. Previously I have deposited multiple checks into my business account with my business partners name and signature as well as my own.The check was from a vehicle that I just sold which are all of the checks that I deposit are from vehicle sales. Citizens has verified the funds from the institution the check was drawn and cleared the check. XXXX XXXX Citizens Bank has received the funds from the deposit but placed a hold on the check until XXXX XXXX stating that because my partner was not on the account and there was a double endorsement there was a hold placed on the check. I checked daily to see if the status had changed and made multiple calls I was told the funds couldn't be verified so I called the issuing bank and I was given a number to provide to Citizens for verification of funds. Citizens bank then decides to extend the hold until XX/XX/XXXX. Still claiming the back office is reviewing the check.This was done but each time that I called in the representatives continue to change the story from unable to verify the funds, double endorsement, this is a business account, the back office is reviewing the check. Multiple representatives have told me that the bank can just keep extending the hold but won't give a reason to why they would do this. I went back to where I sold my vehicle and asked for the check to be cancelled or return my vehicle.The company gave me a print out showing that Citizens bank had received the funds XX/XX/XXXX so they are unable issue a new check of give back my vehicle. XXXX XXXX I went into the Citizens Bank in XXXX MD and talked with a bank and he told me that the back office just had a hold on the check. I called the XXXX number to Citizens and the representative told me that XX/XX/XXXX the decision was made not to cash the check and funds would be returned to the issuer XXXX XXXX. This is completely fine I can either get another check issued or go back and pick my vehicle up. XX/XX/XXXX. I stopped at the Citizens Bank in XXXX XXXX to get an update. Now the representative has told me that an extended hold was placed on the check until XX/XX/XXXX. Its already been settled that the funds were not going to be issued because of the endorsement but now Citizens is just refusing to return the check. Someone is pursposely extending the hold on a check thats not going be cash for no reason! After 30 days I'm unable to go back and get my vehicle and Citizens has taken the money and has their employees trained to make up excuse after excuse. Citizens Bank has really taken the position to steal my money and this seems completely okay with them. After making so many calls and listening to so many lies this has become draining. No one can answer as to why that are refusing to just give the check back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
This all took place today, XX/XX/2024. 

TransUnion 's website will not let me log in to unfreeze my credit. I have the correct login and password, and have tried 3 different browsers ( XXXX, XXXX XXXX, XXXX ). 

The first 2 return XXXX errors after I press login, and the third returns an error that my access has been blocked by XXXX. I've tried throughout the day, and the TransUnion website is not offering me any way to log in to check my credit report or unfreeze my credit.

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 2024-12-31 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: TX

Complaint narrative:
Approximately 3 months ago I had placed a dispute with Experian about this agency placing false information on my report, got deleted and once again it is placed on my report. XXXX XXXX XXXX XXXX. Experian continues to allow this. This is ridiculous. No proof, no contracts, nothing! Experian is allowing this to happen. This is against the law, under FCRA. I have been a victim of identity theft. Experian I know you received my pervious complaint. Now Im Sending a police report. Please stop Doing this to me.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Paypal dispute XXXX XXXX XXXX XXXX XXXX for {$130.00} was filed as a dispute with Paypal on XX/XX/XXXX. After days of waiting, I was instructed to send the item back to merchant and upload tracking number to the site for refund. 

Today is XX/XX/XXXX the item has been returned since XX/XX/XXXX and my credit has still not been processed. 

Per paypal oversees 'It is still under review '' This is exploitation of the consumer. There is nothing to review. If they don't have staff or computers to resolve a simple refund then why are they holding onto the funds for an excessive amount of time, while this is on the Paypal Credit Card. 

Fees. Interest. Refusing to refund to balance, and instead holding onto consumer funds while 'in review '. 

I have called to speak with Supervisor XXXX 2 times, and they advise there is nothing they can do. 

Representatives tell you to 'send in more information ' to expedite the process when in fact it slows it down. 

This is exploitation of the consumer. Please investigate. Paypal is not a small company, that can not afford staff or computers. If they had staff, and computers this would not take 3 weeks to issue a refund. Who wins, who looses?

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