vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-15 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: CA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX Re : Complaint Regarding Inaccurate Hard Inquiry on TransUnion Credit Report Dear CFPB, I am writing to file a complaint against TransUnion regarding an inaccurate hard inquiry on my credit report. 
I obtained a copy of my TransUnion credit report and identified a hard inquiry This inquiry is associated with an account that was subsequently deleted by TransUnion. 
I contacted to inquire about the hard inquiry and they confirmed that the account was deleted because they were unable to locate me and I did not meet their eligibility requirements. However, TransUnion has not removed the hard inquiry from my credit report despite the account being deleted and the creditor acknowledging no fault on my part. 
I have contacted TransUnion on and submitted documentation from verifying the account deletion and their confirmation that I am not responsible for the closure. However, TransUnion has not responded to my request for removal of the hard inquiry. 
This inaccurate information is negatively impacting my credit score and making it difficult for me to obtain credit. 
I request that the CFPB investigate this matter and instruct TransUnion to remove the inaccurate hard inquiry from my credit report. 
Thank you for your time and attention to this matter. 
Sincerely, 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 2024-04-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was looking to my credit report and noticed that there were hard inquiries that are not mine there.

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 2024-04-15 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Upon other things, I mentioned in a previous CFPB dispute that this company is in violation of the FCRA by sending my personal information to an address which I have never resided. Whether that is the result of a mixed file or another cause, the simple fact is that it is a complete violation of privacy and confidentiality. This concern was left unaddressed which is also a violation of the FCRA. The following quote is a duplicate of the letter that was sent to them directly ( following the CFPB complaint ) regarding sending my information to an incorrect address. 

" To whom it may concern : " Resurgent Capital Services, I have received communication via mail pertaining to my dispute of all three accounts with LVNV funding. First and foremost, all three recent letters sent out by your office had been returned to the mail office and sent to my correct address. The above referenced address is my current address. I have never resided at XXXX. By you sending my personal information to an address which I have never resided at is a violation of CFPB XXXX labeled under duties of users regarding address discrepancies. As well as a violation of the FCRA. 
With that being said, pertaining to the letters that were sent, my dispute never included any mention of identity theft or fraudulent charges as stated in your most recent letters. My dispute was pertaining to the fact that my accounts regarding LVNV funding are open with both : Resurgent Capital Services and XXXX XXXX XXXX. Although your letter states that the current servicer is XXXX XXXX XXXX, I am still able to go on your company 's website and make a payment as well as review my accounts information. All account information from Resurgent Capital Services is being duplicated with XXXX XXXX XXXX. With that being said, delete all ties with these collections and Resurgent Capital Services. I am under no obligation to have further communication. 
Failure to comply will result in a formal letter to The Consumer Financial Protection Bureau and a claim filed for damages. 

Best regards, XXXX XXXX Enclosed : proof of identity and social security My concern has failed to be addressed on XXXX different occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
On XX/XX/XXXX, I tried to close my account by paying off the balance. I tried to do it on line and they had two of my checking accounts listed, but with the last 4 numbers. My credit union always has the XXXX at the end of the accounts. I then tried to enter the correct one that I was paying from and it didn't work. So I called Capital One and talked to customer service and explained what I was trying to do. I inquired about what the payoff total would be with interest. My statement showed that it was {$14000.00} but the lady I talked to said that it would be about {$14000.00}. but then she lower it to {$14000.00}. I then asked her to process the payment on XXXX and asked her to repeat the number. She was getting very rude and then she finally said that it would take 24 hours to do. Also, was upset that I had closed my account via the internet without talking to her. I also had cash rewards of {$1.00} and I asked if it could be applied to the balance, she said no. I told her to keep the {$1.00} and process the payment. 
On XX/XX/XXXX, the payment still wasn't process through my Credit Union. I checked my accounts several times a day on the XXXX, XXXX and XXXX. I went to my credit union and asked about it and was told that it hasn't been submitted yet. 
On XX/XX/XXXX, I checked with the credit union and Capital one had submitted it to my other checking account that didn't has sufficient funds and was rejected. When I got home from work, I called Capital One and talked to the customer service department and the gentleman was very hard to understand and told me that I gave them the wrong account number to process it. He said that he could only link my accounts since I had closed my account with them. He also stated that I had a credit balance and that it would take 60 to 90 days for me to get it. I then asked to speak to his supervisor and after about 20 minutes, he came on line and informed me that it was my fault that I gave them the wrong number and ended our call. 
On XX/XX/XXXX, I pulled up my Capital One Statement online only to find out that I now have a late charge of {$29.00} added to my bill, but that they also added an additional interest charge of {$300.00} to it. The credit is gone from my account now.

Should I go to my credit union and have them wire the payment? Then I will be out of pocket the extra money to do it. If they would have entered the correct account number in the first place I would be free of them. 
Another thing, every time that I paid my payment I increased it by {$200.00}. and it never decreased the principal, just the opposite. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-15 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:
To Whom It May Concern : Ive just reviewed my credit report and noticed the following inaccurate item XXXX I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I request that this information be immediately removed from the credit file you maintain under my XXXX XXXX XXXX. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. 
Attached information available.

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 2024-04-15 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: FL

Complaint narrative:
As per FCRA 605B, it's obligatory to remove any incorrect accounts from my credit report. Can you please examine the documents? There are inaccuracies in some of the listed accounts concerning their reporting. These accounts must be removed promptly.

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 2024-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to express my frustration and concern regarding the inaccurate information present on my credit report. Under the Fair Credit Reporting Act ( FCRA ), it is my right to ensure that the information contained within my credit report is fair, accurate, and substantiated. 

Despite repeated attempts to rectify these errors, the inaccuracies persist, adversely impacting my financial standing and opportunities. This blatant disregard for the FCRA law and its provisions is unacceptable and has caused significant distress and inconvenience. 

I demand immediate action to rectify these inaccuracies and ensure compliance with the FCRA law. Failure to do so will compel me to take further legal action to protect my rights and hold accountable those responsible for these violations.

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 2024-04-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my frustration and concern regarding the inaccurate information present on my credit report. Under the Fair Credit Reporting Act ( FCRA ), it is my right to ensure that the information contained within my credit report is fair, accurate, and substantiated. 

Despite repeated attempts to rectify these errors, the inaccuracies persist, adversely impacting my financial standing and opportunities. This blatant disregard for the FCRA law and its provisions is unacceptable and has caused significant distress and inconvenience. 

I demand immediate action to rectify these inaccuracies and ensure compliance with the FCRA law. Failure to do so will compel me to take further legal action to protect my rights and hold accountable those responsible for these violations.

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 2024-04-15 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: OH

Complaint narrative:
Contacted TransUnion about unauthorized inquiries on my report. 

XXXX. XXXX XXXXXXXX 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 2024-04-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I sent a payment to my doctor via XXXX XXXX with Navy Federal, some how an account I have not had access to for over a year was charged, and XXXX XXXX said I was committing fraud and wanted a credit card plus fees to correct the problem and I would no longer be able to use XXXX pay with NFCU

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: IL

Complaint narrative:
I am writing to once again to dispute certain unauthorized inquiries that continue to appear on my credit report, despite my previous attempts to address this issue. Despite my repeated disputes, the following inquiries remain inaccurately reported. 

I have previously disputed these inquiries and provided evidence to support my claim that they are unauthorized. However, it appears that the inaccuracies persist, which is concerning as these unauthorized inquiries can negatively impact my credit score and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXXXXXX DOB XXXXXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX POTENTIALLY NEGATIVE Date XXXX Balance {$2100.00} StatusCollection account. {$2100.00} past due as of XX/XX/XXXX. 


XXXX XXXX XXXX POTENTIALLY NEGATIVE Date XXXX Balance- StatusClosed. {$20000.00} written off. 

XXXX POTENTIALLY NEGATIVE Date XXXX Balance {$800.00} StatusAccount charged off. {$800.00} written off. {$800.00} past due as of XXXX XXXX. 

XXXX XXXX XXXX POTENTIALLY NEGATIVE Date XXXX Balance- StatusPaid, Closed. 

XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Date XXXX Balance- StatusPaid, Closed. 

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL 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 2024-04-15 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute and request the removal of certain previous addresses from my credit report, as governed by the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I noticed that there are addresses listed that are no longer associated with me, and I request that they be removed promptly. 

The inaccurate addresses that I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses are outdated and do not reflect my current residency. According to the FCRA, only accurate and verifiable information should be present on my credit report. As such, I am requesting the removal of these addresses to ensure the accuracy and integrity of my credit file. 

The only address that should remain on my credit report is : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX I have attached proof of residency documents for my current address to support this request. I kindly ask that you investigate this matter and remove the inaccurate addresses from my credit report as soon as possible. 

Under the FCRA, I am entitled to a fair and accurate credit report, and I trust that you will take the necessary steps to rectify this discrepancy. Please provide written confirmation once the incorrect addresses have been removed from my credit report. 

Thank you for your attention to this matter. If you require any further information or documentation, please do not hesitate to contact me at the provided contact information. 

Sincerely, 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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute and request the removal of certain previous addresses from my credit report, as governed by the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I noticed that there are addresses listed that are no longer associated with me, and I request that they be removed promptly. 

The inaccurate addresses that I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  addresses are outdated and do not reflect my current residency. According to the FCRA, only accurate and verifiable information should be present on my credit report. As such, I am requesting the removal of these addresses to ensure the accuracy and integrity of my credit file. 

The only address that should remain on my credit report is : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX I have attached proof of residency documents for my current address to support this request. I kindly ask that you investigate this matter and remove the inaccurate addresses from my credit report as soon as possible. 

Under the FCRA, I am entitled to a fair and accurate credit report, and I trust that you will take the necessary steps to rectify this discrepancy. Please provide written confirmation once the incorrect addresses have been removed from my credit report. 

Thank you for your attention to this matter. If you require any further information or documentation, please do not hesitate to contact me at the provided contact information. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I've consistently ensured that payments on this account are made in a timely manner, preventing any occurrences of overdue bills. However, I'm uncertain about the reasons behind the late payment remarks on my accounts. Referring to 15 USC 1666b, billing errors should be 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 explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Block, Inc.
State: NV

Complaint narrative:
I ordered a replacement card cause mine was expiring. I paid extra to have it customized. I get the card and it has my signature and my handle on the front but someone else 's name on the back. I call to try to get them to fix it and they said they can not. i do everything to prove who I am and explain the mistake. I even have my original card, which has my name on it correctly. 

They refuse to help me fix my name, speak to a supervisor or help in any way. They hung up on me 5 times, and I tried to be curteous, didn't curse and just wanted help as I'm not afraid someone has hacked my account. But nothing. 

I really need help this all happened on XX/XX/year> between XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 

This is wish the company CashApp.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 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