vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-23 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:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2024-07-23 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: GA

Complaint narrative:
unfortunately, I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6

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 2024-07-23 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: TN

Complaint narrative:
unfortunately, I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-07-23 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: SC

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

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 2024-07-23 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: MO

Complaint narrative:
I formally request for the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. These are the following fraudulent items that I want to removed of : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2024-07-23 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: MO

Complaint narrative:
I formally request for the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. These are the following fraudulent items that I want to removed of : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: NC

Complaint narrative:
The inaccuracies on my credit report are a big hindrance to my financial freedom, my application for new credit keeps getting denied because of this. It is so frustrating that my rights as a consumer is being violated.

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 2024-07-23 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: NC

Complaint narrative:
The inaccuracies on my credit report are a big hindrance to my financial freedom, my application for new credit keeps getting denied because of this. It is so frustrating that my rights as a consumer is being violated.

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 2024-07-23 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: FactorTrust, Inc.
State: FL

Complaint narrative:
I am fortunate to be a survivor of debt bondage, a form of XXXX XXXX  that coerced me into accumulating debts. Unfortunately, this has resulted in derogatory marks on my credit report. I am currently receiving invaluable assistance from a representative at the XXXX XXXX, an organization devoted to aiding XXXX XXXX XXXX Together, we are utilizing Section 605C of the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to remove adverse information related to XXXX  upon the filing of an official claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On Sunday, XX/XX/XXXX at XXXX I received a call from Chase Bank about suspicious activity in my checking account involving two online purchases made on my debit card, I asked for that card to be closed and they closed it for online purchases only. At around XXXX the same day while I was at work I checked my account and noticed an unauthorized charge of {$400.00} at XXXX in XXXX was made to my account. I disputed the charge with Chase first on the same day, I was not contacted with any updates on the claim and Chase did not reverse the money as they said they would. I found out the claim had been denied when I called for an update on the claim. I then met with Chase personelle who told me the charge was made via XXXX XXXX on an XXXX XXXX. I do not have XXXX XXXX on an XXXX XXXX and no one else can access my card number or information to make this charge. I created a second claim on the charge and was again not notified when the charge was denied, I submitted further proof such as my time sheet showing I was working during those hours and could not have made those charges as well as a statement and proof of Chase 's initial phone call. My claim was again denied and I was told by Chase 's claims department that they have proof I benefited from the claims, that they have proof the physical card was used, and that none of my evidence was relevant to the case. I only found this information out by waiting on a line, Chase never contacted me and won't email me any of this proof but will mail it in seven business days. Chase changed what they originally told me about an XXXX XXXX having been used to make the purchase and is now telling me the physical card was used which is impossible because I was in possession of the card at the time of the purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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:
I have collections on my credit report that I did not authorize without my consent. Please remove/clear off my credit report asap.

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 2024-07-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I obtained a " credit card '' to pay for tutoring services through Comenity Capital Bank. I received the first billing statement after the first due date for payment. When I attempted to create a new account in order to make payments, I was unable to actually set up an account because it required the full account number. I called the helpline and requested that the credit card be sent to me and was informed that it was a " cardless credit account. '' When I asked how I was supposed to obtain the full credit card number, they explained that the full number was printed at the bottom of my statement. I then went to their website to again try and set up an account and the website said I needed to call back in to validate my account. When I called back, they said they could only validate my account with my cell phone number and email address. I provided my cell phone and said that I did NOT consent to autodialer or text messages. I was not able to actually verify my account unless I agreed. To make matters worse, I was told that I would not be able to set an account for ten days, making my payment even later than it already was due to the very tardy statement. My only option was to make a phone payment for which they charge a fee. Otherwise, I could make a very late payment, which would result in both losing the interest-free option provided when I obtained the credit and having a delinquency reported on my credit report. 

Finally, while their recording and statements indicate that you will be charged a fee if paying over the phone, when my husband made a phone payment, they never actually informed him that they were charging him a fee. 

I am concerned by a number of issues here, most predominantly of which is the fact that they appear to design their repayment process in a way that will either generate a fee to make a phone payment or to cause late payments, resulting in a late payment fee and loss of the interest-free option on their cardless credit card. This violates more regulations than I care to state at this point.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-23 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:
I have noticed that there were additional inquiries on my credit report. I carefully checked whether I have authorized them and I came to the conclusion that I DID NOT. Why? It's because I HAVE NO IDEA REGARDING THOSE INQUIRIES. I DID NOT AUTHORIZE THEM TO BE PLACED ON MY CREDIT REPORT NOR I EVER DID APPROVE THEM so please kindly check the documents I've sent regarding those.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: TN

Complaint narrative:
unfortunately, I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: TN

Complaint narrative:
unfortunately, I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-07-23 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: Continental Finance Company, LLC
State: MD

Complaint narrative:
Thefollowing obtained my information, phone number all e mails from the XXXX XXXX XXXX  breach Continental finance companyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX celtic bank - XX/XX/XXXX I called contineltal/ celtic bank they said they removed my information but yetstill on file i never applied for anything with them, I have changed user and PW with XXXX XXXX, but this needs taken off profile too.

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 2024-07-23 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: HI

Complaint narrative:
unfortunately, I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: HI

Complaint narrative:
unfortunately, I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-07-23 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: MicroBilt / PRBC (formerly CL Verify)
State: OH

Complaint narrative:
By obtaining my consumer report on { Insert DATE } knowingly without any permissible purpose you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 )

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 2024-07-23 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
There is an unauthorized transaction on the Vanilla Gift Card I purchased for {$500.00}. The transaction which I don't recognize is from XXXX amounting in {$370.00} which was on XX/XX/year>. I tried reaching out to the card company but got no help and was not able to connect with them in any way. Tried filing an dispute through the website but it keeps giving me XXXX  to solve without moving further. It then tells me to contact them but there is no way to connect with them on a call. The automated system tells me to file a dispute through the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: IL

Complaint narrative:
While going through a modification process, the amounts I paid for XXXX XXXX XX/XX/XXXX was placed in a holding account. 

Another department from XXXX  XXXX XXXX reported payments as missed payments. I was informed that once the modification period was over, everything would be accurately reported. I resumed regular payments on XX/XX/XXXX. 

As of today, my reports still show that I have XXXX missed payments. This has caused my scores to decrease by more than XXXX points. 

Additionally, I purchased my home in XXXX and XXXX  XXXX XXXX has me paying on this loan for another XXXX plus years. I am 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 2024-07-23 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: IL

Complaint narrative:
While going through a modification process, the amounts I paid for XXXX XXXX XX/XX/XXXX was placed in a holding account. 

Another department from XXXX  XXXX XXXX reported payments as missed payments. I was informed that once the modification period was over, everything would be accurately reported. I resumed regular payments on XX/XX/XXXX. 

As of today, my reports still show that I have XXXX missed payments. This has caused my scores to decrease by more than XXXX points. 

Additionally, I purchased my home in XXXX and XXXX  XXXX XXXX has me paying on this loan for another XXXX plus years. I am XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: IL

Complaint narrative:
While going through a modification process, the amounts I paid for XXXX XXXX XX/XX/XXXX was placed in a holding account. 

Another department from XXXX  XXXX XXXX reported payments as missed payments. I was informed that once the modification period was over, everything would be accurately reported. I resumed regular payments on XX/XX/XXXX. 

As of today, my reports still show that I have 4 missed payments. This has caused my scores to decrease by more than XXXX points. 

Additionally, I purchased my home in XXXX and XXXX  XXXX XXXX has me paying on this loan for another XXXX plus years. I am 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 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
This Account Originally of XXXX XXXX XXXX in which was reported to CFPB as well as FTC on XX/XX/XXXX due to being a victim of cyber identity theft as well as IRS Tax return Identity Theft. This account was fraudulently opened in which I had no knowledge of. The original complaint number : XXXX What correctly rectify by deletion from all credit bureaus as of XX/XX/XXXX. However, Recently this account has reappeared on my credit report as of XX/XX/XXXX as it has been sold to what seems to be Source Receivables Management stating the exact amount of the debt that have been originally deleted as of XX/XX/XXXX {$52000.00}. This reselling of a corrected unlawful Debt has hindered my credit health and needs to be deleted immediately without recourse.

Company response to consumer: Closed with explanation