vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Incorrect Name XXXX XXXX XXXXXXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, OR, XXXX Incorrect XXXX - XXXX XXXX XXXX XXXXXXXX, NJ, XXXX XXXX XXXX - XX/XX/XXXXXXXX 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 2024-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 explanation
Consumer complaint received 2024-05-14 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: TX

Complaint narrative:
I BECAME A VICTIM OF IDENTITY THEFT AND I WENT THRU THE PROPER CHANNELS AND GAVE THE PROPER DOCUMENTS TO PROVE THAT I AM A VICTIM OF FRAUD AND I REQUESTED THEM TO BLOCK THE ACCOUNTS. THEY REFUSE TO BLOCK THE FRAUD ACCOUNTS, AS IF SOMEONE WONT STILL YOUR IDENTITY AND TREAT IT AS IF ITS THERES AND PAY THE BILLS TO GET MORE CREDIT. IDENTITY THEFT IS ALMOST THE HIGHEST CRIME IN AMERICA BUT THESE CREDIT BUREAUS DONT TREAT EVERYBODY THE SAME, ESPICIALLY IF I QUALIFY THRU THE LAW, THEY ARE VIOLATING THE LAW. SO THEY TOLD ME THEY WASNT BLOCKING, I REQUESTED METHOD OF VERIFICATION TWICE. AND THEY HAD DID A REINVESTIGATION WHICH THE CREDITORS ALWAYS SAY ITS YOU, SO THEY CAME BACK AS ITS ME AND ITS 100 % ACCURATE, I ASK FOR METHOD OF VERIFCIATION AND THEN I ALSO LOOK AT THE ACCOUNTS I DISPUTED AND CLAIM AS FRAUD. I ALSO ASK HOW DID THEY VERIFIED AND THEY REFUSED TO TELL ME AND THEY Say that the laws in the fair credit reporting act laws forces them not to tell me. which is not true.

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 2024-05-14 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: TX

Complaint narrative:
I BECAME A VICTIM OF IDENTITY THEFT AND I WENT THRU THE PROPER CHANNELS AND GAVE THE PROPER DOCUMENTS TO PROVE THAT I AM A VICTIM OF FRAUD AND I REQUESTED THEM TO BLOCK THE ACCOUNTS. THEY REFUSE TO BLOCK THE FRAUD ACCOUNTS, AS IF SOMEONE WONT STILL YOUR IDENTITY AND TREAT IT AS IF ITS THERES AND PAY THE BILLS TO GET MORE CREDIT. IDENTITY THEFT IS ALMOST THE HIGHEST CRIME IN AMERICA BUT THESE CREDIT BUREAUS DONT TREAT EVERYBODY THE SAME, ESPICIALLY IF I QUALIFY THRU THE LAW, THEY ARE VIOLATING THE LAW. SO THEY TOLD ME THEY WASNT BLOCKING, I REQUESTED METHOD OF VERIFICATION TWICE. AND THEY HAD DID A REINVESTIGATION WHICH THE CREDITORS ALWAYS SAY ITS YOU, SO THEY CAME BACK AS ITS ME AND ITS 100 % ACCURATE, I ASK FOR METHOD OF VERIFCIATION AND THEN I ALSO LOOK AT THE ACCOUNTS I DISPUTED AND CLAIM AS FRAUD. I ALSO ASK HOW DID THEY VERIFIED AND THEY REFUSED TO TELL ME AND THEY Say that the laws in the fair credit reporting act laws forces them not to tell me. which is not true.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
Hello. I have reached out to Advantage multiple times. The XXXX most recent were XX/XX/year> and XX/XX/year>. I am continually receiving emails that referencing someone that is NOT me. My email should not be associated with anyone else 's account. 

Aidvantage is attempting to reach my father, yet he is deceased. Specifically today, XX/XX/year>, I called the Aidvantage customer service line. I was initially answered by one person, who transferred me to someone they believed could resolve my issue. This representative 's ID number was XXXX. 

I stated I do not have any of my father 's information. I do not have his SS number or death certificate. I do not even live in the same state as he did. If my information was mentioned in his account, I did not authorize the use of my email. The Aidvantage customer service worker would not transfer me to anyone who had authorization to remove my email from someone else 's account. Said worker did not in anyway attempt to help. I was put on several holds, which I expected as I was waiting for someone to give advice to the worker. At the end of the call, the representative chose to end the call and hang up on me, rather that continue to look for solutions to my issue. In no way, shape, or form should I be receiving emails for someone that IS NOT ME, is DECEASED, nor DID NOT HAVE AUTHORIZATION to use my personal email. I am extremely frustrated with the lack of concern Aidvantage representatives have for their customer 's issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: LA

Complaint narrative:
I am writing to challenge the reporting and compliance of my credit report. 

I REQUEST THAT ALL FRAUDULENT ACCOUNT LISTED IN MY FTC REPORT BE REMOVED FROM MY CREDIT REPORT.

These accounts should not be furthed on my consumer report as they are in VIOLATION Under, 15 US Code 1681b Permissible purposes of consumer reports ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer repert under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN instructions of the consumer to whom it relates.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6802 - requires by law t
o provided the consumer with ( 3 ) disclosures 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL - financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am herby requesting to be mailed the WRITTEN proof of all above disclosures required by Federal Law. I have never given any consumer reporting agent WRITTEN CONSENT to report anything on my consumer report, which violates my rights a Federal consumer.
I request all ( 3 ) disclosures from ALL LISTED companies! If the disclosures can not be provided, then I request the IMMEDIATE DELETION OF THESE ACCOUNTS FROM MY CONSUMER REPORT NO CONSENT IS IDENTITY THEFT. I REQUEST THAT THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY! 

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. 

I am a victim of identity theft!! Please delete all ACCOUNTS mentioned in my FTC report off 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 2024-05-14 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: LA

Complaint narrative:
I am writing to challenge the reporting and compliance of my credit report. 

I REQUEST THAT ALL FRAUDULENT ACCOUNT LISTED IN MY FTC REPORT BE REMOVED FROM MY CREDIT REPORT. 

These accounts should not be furthed on my consumer report as they are in VIOLATION Under, 15 US Code 1681b Permissible purposes of consumer reports ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer repert under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN instructions of the consumer to whom it relates.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6802 - requires by law to
provided the consumer with ( 3 ) disclosures 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL - financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunit
y, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am herby requesting to be mailed the WRITTEN proof of all above disclosures required by Federal Law. 
I have never given any consumer reporting agent WRITTEN CONSENT to report anything on my consumer report, which violates my rights a Federal consumer.

I request all ( 3 ) disclosures from ALL LISTED companies! If the disclosures can not be provided, then I request the IMMEDIATE DELETION OF THESE ACCOUNTS FROM MY CONSUMER REPORT NO CONSENT IS IDENTITY THEFT. I REQUEST THAT THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY!

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of.

I am a victim of identity theft!! Please delete all ACCOUNTS mentioned in my FTC report off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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: AL

Complaint narrative:
there is an inquiry in my report that i don't recognize. This is fraud and i wanted to have it removed. I have been disputing this since last year. Kindly remove it thank you : XXXX XXXX XXXX inquiry date XX/XX/year>2022 2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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: FL

Complaint narrative:
I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.

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 2024-05-14 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I just got the final result for complaint XXXX XXXX This company is very good at what they do. I was told ( as I have multiple cards ) that when they verify my ID they will unblock both cards. Well her I am over XXXX months into this and they want me to send them the same exact copy of what I just sent them and they used to verify my before they unblock my other card. I asked them why they couldnt just use the copy they already have ( a company with some intelligence would have just unblocked all cards upon verification ) I could barely understand her response. Just that I had to send it again!!! Is there a law against this absolute stupidity like harassment or something? Just for the record the limit on both cards combined is {$1000.00} so its not like Im trying to ruin them, and the activity on the other one that was suspicious was that it was paid off. I hope something can be done about this kind of treatment to customers. These XXXX cards are destiny cards! I have a total of XXXX cards through XXXX credit but only the destinys are a problem. I really hope these complaints are a bad thing for the company. Im also going to report them to the XXXX  and any other agency I can think of!! Im screwed either way, if I dont send the id theyll close my acct. and its bad on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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: NJ

Complaint narrative:
I have been complaining to Equifax since XX/XX/XXXX about several inquiries that they have posted on my credit report. These inquiries listed below are NOT mine and I did NOT authorize these inquiries and i do NOT have any knowledge of these inquires listed below. These inquiries listed below are the direct result of identity theft. PLEASE DELETE THIS INQUIRIES IMMEDIATELY!!!! The inquiries are : XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXXXXXX 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 2024-05-14 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: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX XXXX {$15000.00} ] ACCOUNT NUMBER. XXXX OPEN XX/XX/year> XXXX : [ XXXX XXXX XXXX XXXX {$15000.00} ACCOUNT XXXX OPEN XX/XX/year> XXXX : XXXX XXXX DATE XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : XXXXXXXX XXXX XXXX XXXX  {$15000.00} ] ACCOUNT NUMBER. XXXX OPEN XX/XX/2016 XXXX : [ XXXXXXXX XXXX XXXX XXXX  {$15000.00} ACCOUNT XXXX OPEN XX/XX/XXXX XXXXXXXX : XXXX XXXX DATE XX/XX/

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 2024-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 2024-05-14 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 did not authorize XXXX XXXX XXXX XXXX on XXXX XXXX to check my personal credit profile with Equifax credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: TX

Complaint narrative:
I made a purchase of less than {$100.00} at XXXX XXXX. I made 3 payments to pay it off. They lost my 2nd invoice with my check but continued to charge me late fees, interest and so forth. 5 months later I get the check back at an address I no longer lived at. When i called to make payment they informed me they couldn't process the check without the slip because they had no idea which account it wentvto. My name and address was on the check the same name and address on my card. They could have looked it up but chise not to. but i paid that payment immediately. They refuse to take all of their fees off and mark my account as paid in full and closed. They have my balance at {$300.00} which was more than my purchase. I don't feel I should be responsible for their stupidity.

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 2024-05-14 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: NY

Complaint narrative:
I checked my credit profile and saw some inquiries that don't belong to me.

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