vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-17 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: AL

Complaint narrative:
XXXX, XXXX, and Transunion, and XXXX are in direct violation of the FCRA and CFPB regulations as they are knowingly reporting inaccurate information. I have disputed this account on several occasions with the credit bureaus as well. For example see attached to see that XXXX is reporting me as 30 days late in XX/XX/year>, Transunion is reporting me as 30 days late in XX/XX/year>, and XXXX is reporting me as 60 days delinquent in XXXX and 90 days delinquent in XXXX. Please remove this from my credit immediately or I will be requesting {$1000.00} for each violation. I have disputed this account several times and this still remains.

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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX, XXXX, and XXXX, and Equifax are in direct violation of the FCRA and CFPB regulations as they are knowingly reporting inaccurate information. I have disputed this account on several occasions with the credit bureaus as well. For example see attached to see that XXXX is reporting me as 30 days late in XX/XX/year>, XXXX is reporting me as 30 days late in XX/XX/year>, and Equifax is reporting me as 60 days delinquent in XXXX and 90 days delinquent in XXXX. Please remove this from my credit immediately or I will be requesting {$1000.00} for each violation. I have disputed this account several times and this still remains.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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: AL

Complaint narrative:
XXXX, Experian, and XXXX, and XXXX are in direct violation of the FCRA and CFPB regulations as they are knowingly reporting inaccurate information. I have disputed this account on several occasions with the credit bureaus as well. For example see attached to see that Experian is reporting me as 30 days late in XX/XX/year>, XXXX is reporting me as 30 days late in XX/XX/year>, and XXXX is reporting me as 60 days delinquent in XXXX and 90 days delinquent in XXXX. Please remove this from my credit immediately or I will be requesting {$1000.00} for each violation. I have disputed this account several times and this still remains.

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 2024-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
My wife applied for a Citibank Visa on XX/XX/XXXX which was approved on XX/XX/XXXX, application number XXXX. I am not a co-applicant nor am I an authorized user. On XX/XX/XXXX, she received the credit card with instructions to activate. In addition to the instructions to activate the card, there was a notice that she was required to call them if she was a married Wisconsin resident and provide the spouses name and address. She called as instructed that day, was transferred twice and was told by the XXXX person that given she was already approved, she did not have to provide the name and address of her spouse. 
According to XXXX XXXXXXXX XXXX XXXX XXXXXXXX. XXXX XXXXXXXX, commonly called the tattletale notice, they failed to follow the law. It does not require them to provide this notice if the non-applicant spouse is aware of the credit granting. Yes, I was aware of the credit, thus I am not entitled to a penalty fee. They did not ask if I was aware of the credit extension however. 
I had applied for the same credit card in XXXX, application # XXXX. I filed an ECOA complaint to CFPB on XXXX as they turned me down as they were unable to verify some information on my application. I had written to them on XX/XX/XXXX as to what information they needed, no response to this day. My wife and I should have had an identical credit report. As a result, I lost about XXXX XXXX XXXX frequent flyer miles which had value. They responded to my complaint which amounted to nothing, the complaint went no further. 
I bring this tattletale requirement to your attention as it may be a continual violation when Citibank deals with Wisconsin applicants. Providing data from them maXXXX disclose a pattern of violations. Another example of a big bank bending the rules, much like they did with the sub-prime mortgages back in the XXXX  years.

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 2024-09-17 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-17 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: MS

Complaint narrative:
Consumer Name : ( XXXX  Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as 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, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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: MS

Complaint narrative:
Consumer Name : ( XXXX  Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as 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, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries 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 explanation
Consumer complaint received 2024-09-17 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: TX

Complaint narrative:
Ive contacted Transunion, XXXX and XXXX regarding inaccurate reporting of my student loans. It reports I have XXXX in student loans when I only have XXXX through XXXX. My account was transferred from XXXX once I refinanced. It then closed but some how the credit company reopened and started reporting. Ive disputed this multiple times even within my bankruptcy. They continue to report a balance from XXXX. I spoke with XXXX today XX/XX/year> and they confirmed I am inactive in their system, my debt was transferred when I refinanced and they are not reporting any information on me to any credit bureaus. 


Transunion and XXXX is also reporting late /missed payments on my credit report that was filed and disputed in bankruptcy which is effecting my credit rating.

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 2024-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Identify has been stolen affecting me from opening an account

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 2024-09-17 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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: UT

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This company or agency called more than seven times in seven days under the guise of Portfolio Recovery. 
They finally sent a text message from an XXXX number. 
In the text message, they only stated a single name, " XXXX '' along with a long message stating that I waive my rights, unless a call is returned immediately. They did not state who they were, nor did they send me any file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.

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 2024-09-17 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: NV

Complaint narrative:
This account opened on the following date. XXXX this is inaccurate payment history reporting I should have active payment XXXX to XXXX This inaccurate information falsely manipulates my credit worthiness and its hurting my ability to obtain credit. TransUnion failed to investigate this account properly. After I repeatedly asked this account to be updated. There neglect once again violated my consumers rights. I am demanding a deletion of the following account Account name : 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 2024-09-17 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: NV

Complaint narrative:
This account opened on the following date. XXXX this is inaccurate payment history reporting I should have active payment XXXX to XXXX This inaccurate information falsely manipulates my credit worthiness and its hurting my ability to obtain credit. XXXX failed to investigate this account properly. After I repeatedly asked this account to be updated. There neglect once again violated my consumers rights. I am demanding a deletion of the following account Account name : 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 2024-09-17 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: CT

Complaint narrative:
I am filing this CFPB complaint in pursuant to FCRA & 605B ( 15 USC & 1681c-2 ) that you, the Experian 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 personal credit card opened at XXXXXXXX XXXX on XX/XX/XXXX, under the account # XXXX, a personal credit card, XXXX XXXXXXXX opened on XX/XX/XXXX, under acct # XXXX, XXXX XXXX a collections account opened XXXX XX/XX/XXXX, account # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a listing of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned account 's, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries 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 explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
AMERICAN CREDIT ACCEPTAN XXXXXXXX XXXX XXXX opened XX/XX/2018 I have disputed each account with the creditors directly, several times. They have not responded to any of my certified letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
A fraudulent application was made in my name with Equifax. I called them to freeze my credit reporting and they won't do it over the telephone. My cell phone is private information they don't need since they have my email address. I asked them to email the code to access my credit report. They refused to use email. I don't want my cell phone used for that. I use my landline phone for that. They wouldn't then send it verbally to my landline, which they also have on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have XXXX in credit card debt to synchrony bank. I am working with a debt settlement company called XXXX XXXX XXXX, and i am paying them to pay back synchrony bank. I had a transfer to my XXXX account from my bank account for {$1500.00}. Synchrony bank immediately took the money from my XXXX account and put it towards the debt, which i did not authorize them to do. I called synchrony bank on XX/XX/XXXX and explained the situation to them and they said they would send me a check in the mail for the XXXX. The check never came and it is now the XXXX. I called them again and they told me no one put in a request to have the money sent back to me, and they said they would get it done this time. I do not believe they are going to send me this check they are promising me and i need my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief