vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 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: PA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I was reviewing my credit report last month with my attorney as we are working on refinancing my home, when he advised that care credit reported late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I immediately called care credit, the rep advised there was an error with XX/XX/XXXX, and the late payment was then updated as " closed ''. He was not able to assist me with XXXX XXXX XX/XX/XXXX. I made numerous calls to care credit, waiting on hold for more than XXXX hours at XXXX point to attempt resolution, as I have proof that payments were made timely and in accordance with our agreement. Care credit has now updated my report saying XXXX XXXX XX/XX/XXXX, which is completely incorrect, I made all payments on time and at this point I feel they are not interested in reporting correctly and are rather just making any type of changes

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 2024-12-13 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: GA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-13 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: Kikoff Inc.
State: GA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am writing to formally dispute the accuracy of the reporting associated with a charge-off account under my name, referenced as Account Number [ XXXX ]. This letter serves as a formal request for investigation under the Fair Credit Reporting Act ( FCRA ), specifically in accordance with 15 U.S.C. 1681s-2.

Under 15 U.S.C. 1681s-2, you, as the furnisher of information to credit reporting agencies, are legally obligated to report accurate information and to investigate disputes regarding the completeness or accuracy of reported information. Additionally, any information found to be inaccurate, incomplete, or unverifiable must be corrected or deleted promptly as required by the FCRA.

I respectfully request the following : 1. Documentation and verification of the account, including the original agreement or contract that substantiates this accounts existence and its reporting.

2. Immediate removal of any unverifiable or inaccurate information from my credit file in compliance with 15 U.S.C. 1681s-2.

3. A written response detailing the outcome of your investigation within the 30-day period required under the FCRA. 

In light of the legal precedent set in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  wish to emphasize the seriousness of this matter. However, I also recognize the importance of resolving disputes amicably and without unnecessary escalation. 
To this end, I am willing to explore a pre-arbitration settlement to resolve this matter promptly and avoid further dispute or potential legal proceedings. Please provide a point of contact to discuss settlement terms, which could include corrections to my credit report, financial adjustments, or any other mutually agreeable resolution. 
If you fail to comply with your obligations under the FCRA or refuse to engage in meaningful pre-arbitration discussions, I will escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Furthermore, I will initiate arbitration or pursue other legal remedies as necessary to protect my rights under federal law. 
I trust that you will take this opportunity to resolve the matter efficiently and without the need for further legal intervention. Thank you for your immediate attention, and I look forward to your timely response. 
Sincerely, [ XXXX XXXX XXXX XXXX XXXX Without Prejudice

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
Over the course of the last year Capital One has reduced my credit due to not using the card enough even though I pay a {$95.00} a year fee to {$1000.00} from roughly {$10000.00}. Due to this reduction in credit, I have had to resort to paying my credit card off multiple times per month. I have done this over the past year and have used the same bank account which is attached to my capital one account. I have not been late on a payment in years. This month right before the XXXX season capital one restricted my account due to me paying the credit card off twice in a week. They are refusing to open my card back up for usage until I connect them with my bank and let them have access to my bank account in order to " verify, '' I have the funds to pay off the {$700.00} balance. This is after my payment already cleared and shows a balance of zero on my capital one card. I have verified this with my bank XXXXXXXX XXXX I spoke to my banker, and they have never heard of this and advised me to look further into the situation. Needless to say, with the credit reductions happening multiple times even though my credit is good, and I have no late payments Capital one has systematically reduced my credit and now has restricted my account. I personally feel like I'm being targeted and attacked by the credit card company and do not believe they have the ability to gain access to my bank account if I have done nothing wrong. The payments have not been late, and my income and credit are superb. I recently asked for a copy of the transcript of my conversations with the credit card company and I was denied access to those documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts 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 explanation
Consumer complaint received 2024-12-13 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:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 
Depending solely on your flawed XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 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 2024-12-12 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: FL

Complaint narrative:
I am writing to formally dispute the following items on my credit report. The accounts and transactions in question were opened and executed by an unauthorized individual, not by me. I did not authorize, use, or benefit from these accounts or transactions in any way. 

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 XXXXXX/XX/XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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 am writing to formally dispute the following items on my credit report. The accounts and transactions in question were opened and executed by an unauthorized individual, not by me. I did not authorize, use, or benefit from these accounts or transactions in any way. 

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 XXXXXX/XX/XXXX Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-12-13 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: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
Ok well on XX/XX/year> my debit card was stolen after i gave a couple ppl a ride. On XX/XX/XXXX my card was used illegally at a XXXX store and an atm. Well i was informed of who done it and filed police report then disputed it. Well citi bank permenatly credited the atm XXXXne but the other 2 they didnt. Now all 3 of these happened the same day at the same place and time period and i wasnt anywhere near them i was home. And i got a text my card was used. So what i dont understand is what kind of investagation was done cause they say 1 unathorized but the other 2 wasnt and they decieded this in a day. They didnt even wait for me to send in my evidence or police report or pull camera feed. And how can 1 be true and 2 not when they happened same time and place. They didnt preform a proper investagtion

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 2024-12-13 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-12-12 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 writing to formally request that you block and delete the accounts and inquiries listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these items were fraudulently opened or conducted in my name without my authorization. 
The fraudulent accounts and inquiries are as follows : Accounts : XXXX. XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} Inquiries : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/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 XXXXXX/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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
EQUIFAX is reporting my phone number and address inaccurately. The phone number in the fraud alert is does not belong to me and all attempts to update and correct this information are being unjustly refused. The address on my consumer report is an inaccurate non-mailable address. EQUIFAX is refusing to correct my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
At first I received an email that my withdrawal of {$4000.00} has reversed back but never showed up up to my account then in same day Extra {$1000.00} missing from my account my. Tried contacting the support on the app for 2days and im still in the queue of support. Now they restricted my account. The support on XXXX gave me the run around and never helped

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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:
Texas Attorney General XXXX XXXX are illegally reporting to credit bureaus which violates my constitutional rights. All reporting needs 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 2024-12-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
CFPB Complaint Details Subject : Dispute of Debt Collection Practices and Credit Reporting by Transworld Systems , Inc. 

Complaint : I am filing a complaint regarding inaccurate debt collection practices by Transworld Systems , Inc., as well as improper credit reporting related to an account originally held with XXXX XXXX 

Key Issues : 1. Failure to Notify : Transworld Systems , Inc. failed to provide me with written notice of their involvement in collecting this debt, as required under the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692g ]. I was not informed of my right to dispute the debt and only became aware of their involvement when I noticed the account reported on my credit report.

2. Active Payment Arrangement Ignored : I had an active payment arrangement with XXXX XXXX  to pay off my balance, and I have consistently made payments, including : XX/XX/year> : {$57.00} ( Confirmation # XXXX ) XX/XX/year> : {$50.00} ( Confirmation # XXXX ) Despite this arrangement, XXXX XXXX  forwarded my account to collections without notifying me, which I believe constitutes an unfair practice under FDCPA [ 15 U.S.C. 1692f ]. 
3. Miscommunication by Transworld : A Transworld representative, XXXX XXXX, incorrectly claimed that no payment was made on XX/XX/year>. This is false, as evidenced by my payment records. 
4. Inaccurate Credit Reporting : Transworld has reported this debt on my credit report, which is misleading and inaccurate, given my active payments and the lack of validation or notification regarding the debt.

Company response to consumer: Closed with explanation