vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-27 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: NV

Complaint narrative:
To whom this letter reaches, it has come to my attention after looking over my XXXX and Transunion XXXX reports. Experian report # XXXX and Transunion report # XXXX that the following accounts are not mine and incorrect and according to the FCRA XXXX to be removed from my credit file within 15 days of receiving this notification. 

These creditors listed below do not belong to me nor do they belong on my credit file. In accordance with the Fair Credit Reporting Act, Account Names and # XXXX : XXXX. ) XXXX XXXX # XXXX ( Account does not belong to me, and I've never done business with XXXX XXXX nor signed any contracts with this company ) XXXX. ) XXXX 's # XXXX ( Account not mine, I've Never done business nor signed anything with this company ). 
XXXX. ) XXXX # XXXX ( Account not mine, I've Never done business nor signed anything with this company ). These listed creditors have blatantly lied and violated my rights. 

Under the FCRA, Credit Bureaus such as yours and Lenders by LAW must ensure that the information they report is 100 % accurate and truthful. Also, the following laws state 15 U.S.C. 1681 section 602a States that I have the right to privacy.

15 U.S.C. 1681 Section 604a Section 2 : It also states that a consumer reporting agency such as yours CAN NOT furnish an account without my written instructions.

15 U.S.C. 1666 Correction of Billing Errors 15 U.S.C. 623 : A furnisher must NOT furnish inaccurate consumer information to CRA 15 U.S.C. 609a : Requires consumer reporting agencies to upon request disclose ALL information in consumers file at time of request and the Sources of information ( Which I have requested from all listed and NEVER Received ). 

Please update my XXXX XXXX XXXX and Transunion XXXX XXXX with a DELETION of all listed items within 15 days of this letter due to the files being incorrect, untruthful and ownerless. They are NOT my debts ; they dont belong to me and are not my doing. Please understand that I am suffering great damage to my credit because of these bureaus neglect. I will be escalating this matter with the attorney general if not handled correctly under FCRA law. 

I appreciate your prompt attention to this matter and look forward to having this corrected.

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 2024-08-27 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: CA

Complaint narrative:
This is stressing me out, my loan requests are being declined due to incorrect credit records. Despite fulfilling all my financial obligations, these inaccuracies have impacted my ability to secure loans and caused significant frustration.

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 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In XX/XX/year>, I requested the removal of an old account that is well past the statue of limitations from my XXXX and Transunion Credit Files. I paid the account off in full 6 years ago. I have disputed the old creditor by the name of XXXX ( account # XXXX multiple times now and have been met with a FALSE verification letter from both bureaus stating that all information is correct, HOWEVER the account/creditor should be removed due to bein past the statute of limitations.

Under FCRA 15 U.S.C 1681p - The FCRA provides for a two-year statute of limitation from the date of discovery of the FCRA violation, as well as a statute of repose requiring that FCRA claims be brought within five years of the date of the FCRA violation. 

Both XXXX and Transunion have both blatantly violated FCRA 15 U.S.C. 623, 15 U.S.C. 609a as well as 15 U.S.C. 1681p.

I will be escalating this matter if need be due to the improper reporting and negligence of both 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 2024-08-28 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: CA

Complaint narrative:
The inaccuracies on my credit report are causing me a lot of stress and uncertainty about my ability to use credit for essential purchases.

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 2024-08-27 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: MD

Complaint narrative:
Good day. I've been attempting to contact the appropriate authorities about the errors on my credit report, but I haven't had any success. It's been incredibly frustrating and stressful, keeping me up at night wondering about my financial future because these inaccuracies are unfairly impacting my XXXX XXXX and preventing my credit applications from being approved.

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 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-08-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
The collection company never contacted me about this debt at all. When this charge was found after checking my credit report, I contacted the collection agency, but they refused to provide me any kind of documentation of the charge and the final amount needed to close the account. The charge is a rent property that I have never lived or even been to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
In XXXX or XX/XX/XXXX I received via mail from Ally Financial Inc two ( 2 ) 1099C 's. One for me and one for my late husband ( he passed away on XX/XX/XXXX ) in the amounts of {$38000.00}. 

For days I attempted to make contact via phone with someone at Ally about this 1099c debt. I finally spoke with someone there who suggested that I mail a certified letter requesting validation of the account as it did not include a debt description, it was dated as identifiable on XX/XX/XXXX ( for which I was certain we had not debt ) and identifiable letter was " XXXX '' - Decision or policy to discontinue collection - however we had no collections, and the " fair market value '' of the property was left blank. 

I mailed the certified letter on XX/XX/XXXX, indicating the essence of time, as I had to file taxes and they had reported to IRS. I received a response from Ally dated XX/XX/XXXX - saying they received my letter regarding an " auto '' account, they would research and return a response. 

On XXXX XXXX I received another letter from Ally, stating that XXXX and/or I entered into two vehicle contracts on XX/XX/XXXX with XXXX XXXX XXXX XXXX for which copies were enclosed ( they were not ) and at a later date the contracts were assigned to Ally Bank. The letter also stated a copy of " How we calculated your surplus or deficiency '' ( copies were not enclosed either ). This same letter goes on to say that they ceased collection activities on XX/XX/XXXX & XXXX, XXXX -however we had no collections. 

On XX/XX/XXXX I corresponded with XXXX at Ally via email. I told XXXX that I had no recollection of this being that it was 16 years ago, to kindly forward to me a copy of the signed contracts, a copy of the bill of sale indicating this deficiency debt and any attempt to collect these debts, as I have no records of any of this. 

On XX/XX/XXXX XXXX responded to my email stating they had received my concern acknowledging my Ally auto account and that she would do research and respond. 
I immediately responded to XXXX letting her know that I in no way was acknowledging this debt to be mine or my husbands. 

XXXX XXXX called me via telephone. She continuously stated that she acknowledges and sensed my frustration, however due to the date of the debt and the time that had passed they had no records they could provide me with.Therefore, no signed contract, no bill of sale, no attempted collections. But yet they submitted to IRS a 1099c for both of us that holds us liable for an IRS debt. 

If they have no records they can provide me with, then where are they getting this information that we owe this debt? I do not understand how we can be liable for a debt for which there is no record.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
The company midland credit management knew I didnt know my right as a consumer and therefore conversed me into believing that they were part of the original creditor that charged off my debt making it as though I owed them money for a debt that I was not validated or sent a letter of subrogation before they got my information to withdraw funds out of my account they stated it was an attempt to collect a debt thus violating my rights to 15usc 1692 and 1681 also falsely reporting this claim on my credit report as thought they were the original creditor also constant harassment after being told not to contact me other than writing letter still calling leaving message on my phone using choice word as We need to disscuss a personal business mater after they find out by phone conversation that Im layering my rights I was polite to them and felt after I gave them awareness that I have and doing research on my privacy rights they started call more frequently

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: PA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ID number : XXXX Date of Birth : XX/XX/year> Address : XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX I am writing to request an investigation of the following information that appears on my XXXX XXXX XXXX consumer report : Account Number : XXXX BB AND T I'm the victim of identity theft and I don't recognize one or more of the accounts on my report. 
Thank you for your assistance. 
Sincerely, 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 explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
XX/XX/year> - I booked a vacation package at XXXX for 4 family members on my Capital One credit card. My sister ( onXXXX of the travelers ) XXXX XXXX, called XXXX to see if it was possible to change the airport she was flying out of to one closer to her home. XXXX sent her to the XXXX XXXX department where she was told that it would be cheaper/easier to cancel only her flight and keep the remaining tickets since the trip was within the cancellation window. She was told to expect the {$400.00} refund back to my original card within approximately 5 business days. 

XX/XX/year> - XXXX confirmed that her ticket was no longer showing up on the XXXX website and that the other three tickets had been moved to a new confirmation number ( XXXX  ). 

XX/XX/year> - The refund was never received. Called XXXX and was again transferred to the XXXX XXXX department. XXXX agent stated that the flight should have been charged for only the three tickets ( {$1200.00} ) and that she could see where the ticket for XXXX XXXX was cancelled. Told XXXX agent that the total package had been charged for the full amount ( flight & hotel {$3700.00} ). XXXX agent stated that she would make a note and asked if we could get copy of credit card bill showing full charge so she could submit it to accounting. Got a copy of the credit card charge and called back the same night. Spoke to a different XXXX agent who said he would forward the issue to their accounting department and that it should be resolved within 3 business days or so. 

XX/XX/year> - Refund still not received for {$400.00}. Put in a dispute with my Capital One credit card. Received call from Capital One and was told I may need to submit documents. 

XX/XX/year>- Capital One sent an update saying that documents were never received. Let them know I hadn't been told specific documents to send, but sent them a copy of XXXX confirming the ticket was cancelled. 
Called XXXX back and was told they couldn't refund until the dispute was closed. 

XX/XX/year> - dispute was closed against me and temporary credit was cleared from card. Called XXXX back to verify dispute was cleared and was told not on their side but it would be refunded soon. 

XX/XX/year> - refund still not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: FL

Complaint narrative:
I am writing to formally dispute a late payment on XX/XX/year> that has been reported on my credit file regarding my account number [ XXXX XXXX XXXX ]. I believe this information is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681a, 15 USC 1681s-2, and 15 USC 1681a ( 2 ) ( A ) ( i ). Under 15 USC 1681s-2, furnishers of information are required to provide accurate information to credit reporting agencies. I have reviewed my payment history and found that the reported late payment is incorrect. Additionally, according to 15 USC 1681a ( 2 ) ( A ) ( i ) With emphasis on 15 U.S.C. 1681 2 ( a ) ( i ) it says clearly that the consumer report does not include transactions or experiences and i do know that transactions and experiences are dealing with payment history, a consumer reporting agency must ensure that the information it provides is accurate and reflects the true payment history. I request that you investigate this matter and provide me with any documentation you have regarding the late payment, including the date it was reported, the amount involved, and any relevant correspondence related to my account. I am confident that upon review, you will find that this late payment should not have been reported. I would like this to be updated to paid on time, Please address this issue promptly, as it is affecting my credit score and overall financial standing. I would appreciate a response within 30 days to ensure we can resolve this matter efficiently. Thank you for your attention to this important issue. I will also be forwarding this dispute to the attorney general of my state.

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 2024-08-27 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: FL

Complaint narrative:
I am writing to formally dispute a late payment on XX/XX/year> that has been reported on my credit file regarding my account number [ XXXX XXXX XXXX ]. I believe this information is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681a, 15 USC 1681s-2, and 15 USC 1681a ( 2 ) ( A ) ( i ). Under 15 USC 1681s-2, furnishers of information are required to provide accurate information to credit reporting agencies. I have reviewed my payment history and found that the reported late payment is incorrect. Additionally, according to 15 USC 1681a ( 2 ) ( A ) ( i ) With emphasis on 15 U.S.C. 1681 2 ( a ) ( i ) it says clearly that the consumer report does not include transactions or experiences and i do know that transactions and experiences are dealing with payment history, a consumer reporting agency must ensure that the information it provides is accurate and reflects the true payment history. I request that you investigate this matter and provide me with any documentation you have regarding the late payment, including the date it was reported, the amount involved, and any relevant correspondence related to my account. I am confident that upon review, you will find that this late payment should not have been reported. I would like this to be updated to paid on time, Please address this issue promptly, as it is affecting my credit score and overall financial standing. I would appreciate a response within 30 days to ensure we can resolve this matter efficiently. Thank you for your attention to this important issue. I will also be forwarding this dispute to the attorney general of my state.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Fifth Third Bank is reporting inaccurate accounts on my consumer reports which has affected the ability to maintain credit. This account does not belong to me. Anyone can open a fradulent account online. Where is the orginal contract with my signature. How did they verify an account is accurate that was opened online.

Company response to consumer: Closed with explanation