vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please remove the following inquiries 1 ) XXXX XX/XX/2023 2 ) XXXX XX/XX/2023 3 ) XXXX XXXX XX/XX/2023 4 ) XXXX XXXX XX/XX/2023 I do not recognize them and they might be fraudulent I've contacted the FTC which directed me to the CFPB As of now, they are not attached to any new accounts so no need to add a credit freeze Thanks

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 2023-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
Midland Credit had agreed to have the debt removed from my credit history once its been paid in full. This debt was satisfied, effective, as of XX/XX/XXXX. However, this doesnt appear to be the case when reviewing my latest update of my previous dispute. Its way out of date, back in XXXX and the balance, at the time was still over {$700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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:
XXXX is reporting duplicate student loan account to the credit reporting agencies.

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 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT. 
MY CREDIT SCORE HAS THE WRONG REPORTED AMOUNT FOR TARGET AND IT DROPPED MY CREDIT SCORE. 
I CAN NOT AFFORD IT ANYMORE FOR HARDSHIP AND ASKING FOR PAYOFF AMOUNT. THEY WILL NOT HELP OR TAKE OFF LATE CHARGES WHILE WAITING TO RESOLVE ACCOUNT IDENTITY THEFT ISSUES.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-22 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: TX

Complaint narrative:
These items have been paid in full and are reporting to my credit report when they are supposed to be permanently deleted and removed from my credit report.

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX. ) XXXX XXXX XXXX XXXX ACCT # XXXX XXXX. ) XXXX XXXX  ACCT # XXXX XXXX. ) XXXX XXXX ACCT # XXXX XXXX. ) XXXX XXXX ACCT # XXXX XXXX. ) XXXX XXXX XXXX XXXX ACCT # XXXX XXXX. ) XXXX XXXX ACCT # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect to include their verbal agreement to remove these items. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 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: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My dentist 's office and I tried on several occasions during XX/XX/XXXX to XX/XX/XXXX to get this loan cancelled by Allegro Credit aka Synchrony because information was incorrect and the account was no longer needed. We were continuously told the account was cancelled. Then several months later I found out the account was placed in collections and they wouldnt be able to help me. I havent been able to get any help since.

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 2023-12-22 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: FL

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XX/XX/XXXX2023 XXXX XX/XX/XXXX2022 XXXX XX/XX/XXXX2022 XXXX XX/XX/XXXX2022 XXXX XXXX XX/XX/XXXX2023 XXXX XX/XX/XXXX2022 XXXX XX/XX/XXXX2022 XXXX XXXX XX/XX/XXXX2022 XXXX XXXX XXXX XX/XX/XXXX2022 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 2023-12-22 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: FL

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XX/XX/XXXX2023 XXXX XX/XX/XXXX2022 XXXX XX/XX/XXXX2022 XXXX XX/XX/XXXX2022 XXXX XXXX XX/XX/XXXX2023 XXXX XX/XX/XXXX2022 XXXX XX/XX/XXXX2022 XXXX XXXX XX/XX/XXXX2022 XXXX XXXX XXXX XX/XX/XXXX2022 XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: NY

Complaint narrative:
Someone used my credit information without my authorization. I have contacted the creditor, and filed a police report, and an ID Theft Affidavit and the credit bureaus are reporting this fraudulent information despite my making them aware that the account is a 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 2023-12-22 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:
In accordance with the Fair Credit Reporting act, XXXX XXXX act # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act, XXXX XXXX account # XXXX has violated my rights. 
15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604 A. SECTION 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-12-22 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX act # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX account # XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act, XXXX XXXX account # XXXX has violated my rights. 
15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604 A. SECTION 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand that deciphering the intricacies of credit reporting can be as challenging as decoding hieroglyphics. However, I find it perplexing that some fraud accounts have successfully made their grand exit, while others seem to have mastered the art of resurrection. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 
LET ME BE CRYSTAL CLEAR : ALL DISPUTED FRAUD ACCOUNTS ON MY CREDIT REPORT ARE THE RESULT OF IDENTITY THEFT, not some avant-garde performance art. I fail to comprehend why some of these impostors have been granted an unceremonious eviction, while their counterparts continue to throw a raucous party on my credit history. 
XXXX XXXX  XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX PLEASE DELETE!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX XXXX PLEASE DELETE!!! XXXX  and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX PLEASE DELETE!!! XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I demand a fair and equitable resolution to this enigmatic situation. If certain fraud accounts can be deleted with the swiftness of a XXXX disappearing act, then surely, the rest can follow suit. It's only fair, right? OR IS FAIRNESS JUST ANOTHER ILLUSION IN THE MYSTERIOUS REALM OF CREDIT REPORTING? I implore you to exercise your investigative prowess and uncover the secrets behind this confounding conundrum. WHY DO SOME FRAUD ACCOUNTS RECEIVE A VIP PASS TO THE EXIT, WHILE OTHERS CLING TO MY CREDIT REPORT LIKE UNWANTED HOUSEGUESTS?

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 2023-12-22 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: TX

Complaint narrative:
I sent a dispute letter to Equifax XX/XX/23 informing them of incorrect information on my credit report. They failed to respond and remove the information. This is my final notice that you are not reporting an open date, or close date for accounts DEPARTMENT OF TREASU XXXX, XXXX, XXXX  which is a violation of the FCRA. Also, the alleged debt has yet to be verified by the company. I am requesting that the account is deleted from my credit report. If this account is not removed within 5 days, I will be forced to take legal actions under the FCRA, seeking damages for loss of credit and for the mental anguish your bureau has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 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: NV

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian, reporting inaccurate information address late payments charge offs This is a direct violation of 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 2023-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Your blatant disregard for the material facts and your failure to provide a clear and substantiated reason for the denial are nothing short of an affront to the very principles of fairness and justice. Despite the fact that the other bureau was able to confirmed the fraudulent activity and diminished the accounts on their report immediately. I was the victim & Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. IT IS BEYOND COMPREHENSION THAT, DESPITE MY EXPLICIT REQUEST AND THE EVIDENT PRESENCE OF FRAUDULENT ACTIVITY ON MY CREDIT REPORT, YOU HAVE CHOSEN TO REJECT MY PLEA WITHOUT A THOROUGH INVESTIGATION!! The lack of transparency in your decision-making process raises serious questions about the authority and competence of your organization in handling such crucial matters. 
XXXX XXXX XXXX XXXX XXXX DELETE!!!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX XXXX XXXX DELETE!!!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
Furthermore, I am left questioning the credibility of your investigative procedures. HOW CAN I TRUST AN ORGANIZATION THAT FAILS TO PERFORM A THOROUGH EXAMINATION OF THE FACTS BEFORE MAKING A DECISION OF SUCH MAGNITUDE? Your lack of diligence suggests a disregard for the well-being and financial security of the very individuals you are entrusted to protect.

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 2023-12-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
A wire transfer was initiated by me via my secure online portal for transfer on XX/XX/XXXX to a title company to purchase a real estate property. There was a XX/XX/XXXX deadline at XXXX for receipt of funds. I intiated the wire transer on XX/XX/XXXX to allow Ally bank ample time to confirm the wire details. The amount was {$750000.00} requested from my savings account. 

Their policy and procedures state that they will call the customer to verify the wire. They did not do this. I called on XX/XX/XXXX. They stated this was under a " fraud alert '' becuase the amount was over {$500000.00}. They do not have any stated restrictions agains the transfer of this amount anywhere on their website. They informed me they were locking my accounts. They summarily locked all withdraws from my checking, savings, brokerage and Short term CD accounts. 

I called on XX/XX/XXXX and spent XXXX hours on the phone seeking a " fraud investigator ''. I was asked XXXX verifciation questions from the public records and correctly answered them. I requested a supervisor. One was not made available. I requested a " fraud investigator ''. One was made available who informed me she would get someone to work on it " next week ''. In the interim, my liquidity and home purchase hung in the balance. They did not send the XX/XX/XXXX wire, but instead kept these funds locked behind their " fraud investigatiion '' team that were not made available to discuss. 

No one from ALLY bank has called me back at any time. On XX/XX/XXXX at the end of business, I received an email that my account had been unlocked. In the interim, I had to borrow from relatives to cover the close. Meanwhile, my funds that I had saved to make this purchase for over 4 years were locked away by ALLY bank without any due process. Furthermore, Ally bank was unresponsive, unprofessional and certainly unable to correct this grevious injustice that was clearly without merit all along.

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
Consumer complaint received 2023-12-22 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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