vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-01 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: IL

Complaint narrative:
XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX Illinois, XXXX Date : XX/XX/XXXX To XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX IA XXXX Subject : Complaint Regarding Inaccurate Reporting by TransUnion XXXX XXXX, and XXXX Dear CFPB, I am filing a formal complaint regarding the inaccurate reporting on my credit report. The accounts in question are : TRANSUNION  Charge off XXXX Account # : XXXX Date Opened : XX/XX/XXXX The term that is being reported is reporting inaccurately. 

Charge off XXXX Account # : XXXX Date Opened : XX/XX/XXXX The term that is being reported is reporting inaccurately. 

XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please correct/update this inaccurate information on my credit report. 

XXXX Charge off XXXX Account # : XXXX Date Opened : XX/XX/XXXX The term that is being reported is reporting inaccurately. 

Charge off XXXX Account # : XXXX Date Opened : XX/XX/XXXX The term that is being reported is reporting inaccurately. 

Collections XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX I believe this collection is reporting inaccurately. 

XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please correct/update this inaccurate information on my credit report. 

XXXX Charge off XXXX Account # : XXXX Date Opened : XX/XX/XXXX The term that is being reported is reporting inaccurately. 
Charge off XXXX Account # : XXXX Date Opened : XX/XX/XXXX The term that is being reported is reporting inaccurately. 

Inquiry XXXX Date of inquiry : XX/XX/XXXX Please correct/update this inaccurate information on my credit report. 
Under the FCRA, credit bureaus are obligated to take swift action upon receiving notice of inaccuracies due to identity theft. Non-compliance with these regulations may lead to significant penalties and legal repercussions. 
I already filed an FTC Report, a police report, I called the bureaus, sent dispute letters, but still it is not removed from my report. 
I hereby request a thorough investigation into these disputed items and prompt resolution of the inaccuracies. This entails removing all erroneous information, blocking any fraudulent accounts from reappearing on my credit report, and providing me with a revised credit report once the investigation is concluded. 

I look forward to your prompt response and action to resolve this issue on my credit report. 

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 2024-06-01 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: TX

Complaint narrative:
I am writing to bring to your attention an ongoing issue regarding the late opening of my account. Despite my previous attempts to address this matter, I regret to inform you that the issue remains unresolved. As a valued customer, I am reaching out once again to request your assistance in rectifying this issue promptly. Upon reviewing my account records, it has come to my attention that the opening dates listed for my account is inaccurate. Despite my efforts to provide the correct information, it appears that the discrepancy persists. I understand that errors can occur, and I appreciate your attention to this matter. However, I kindly urge you to prioritize the correction of this discrepancy to ensure that my account records accurately reflect the true opening dates. With this, I am asking for your assistance to correct the account : XXXX XXXX Balance : {$20000.00}.

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 2024-06-01 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: TX

Complaint narrative:
I am writing to bring to your attention an ongoing issue regarding the late opening of my account. Despite my previous attempts to address this matter, I regret to inform you that the issue remains unresolved. As a valued customer, I am reaching out once again to request your assistance in rectifying this issue promptly. Upon reviewing my account records, it has come to my attention that the opening dates listed for my account is inaccurate. Despite my efforts to provide the correct information, it appears that the discrepancy persists. I understand that errors can occur, and I appreciate your attention to this matter. However, I kindly urge you to prioritize the correction of this discrepancy to ensure that my account records accurately reflect the true opening dates. With this, I am asking for your assistance to correct the account : XXXX XXXX Balance : {$20000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX Ive had issues dating back to XX/XX/XXXX regarding my credit file and random reporting issues that at times are minor to others major issues. Stuff that is there one day yet the coming week weeks, months or years will have been erased off. 

We are now at the worst point ever wuth this problem. Why? XXXX has failed to properly look into my repeated claims regarding this XX/XX/XXXX I was given an escalation number of XXXX told 7-10 days for the department who handles these research of issues to resolve the problem. Numerous times I tried following up well after the 10 days even into XXXX and told no issues were discovered. Knowing good well it wasnt worked if thats what was reported back. 

XX/XX/XXXX Escalation number XXXX was provided after finally reaching a manager named XXXX  who saw exactly what I was stating. First hand. Who also gave me reference number XXXX regarding the FTC Inquiries that werent processed yet thou recd ftc in office on XX/XX/XXXX so he processed it. He also looked up the previous escalation number to his surprise to learn the number showed tied to my account yet still pending from XX/XX/XXXX with exactly as Im stating still is ehar was documented in that escalation number back then. 

I called today to just check the status of everything the manager stated tbe inwuiries were deleted so I asked him then why if they were deleted on the XXXX XXXX  being XX/XX/XXXX are they still showing up. He stated he didnt know. I said you say the report regarding them being deleted was mailed out on tbe XXXX also and as you even see there still reporting. Just give it time please, no thats my problem. Ive given ample time since XX/XX/XXXX youre ruining me finically across the board. So Im left to seek my reports thriygh annual credit reports to which I cant access my reports even. 

XX/XX/XXXX at XXXX I went through the phone system to order my XXXX  report to which it stated it would be processed and mailed within 15 days. No report had arrived. Which is a violation of some sort Im sure considering I can prove over and over Ive gone through every measure possible to get this fixed. 

I assure you Ill seek legal action in tve coming weeks if action is taken and results regarding all this top up bottom arent delivered. 


AnnualCreditReport.com dont respond to this complaint with a form response telling me how to order my reports or such. That clearly doesnt apply here. You as a person who works at annualcreditreport.com need to verify whats stopping things in the backend and communicate those directly to myself & XXXX as well.

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 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I appreciate your efforts to remove some of the inaccurate items from my file that resulted from erroneous credit data, but there are still items that need to be addressed. Pursuant to FCRA section 605B, you are required to remove any items from my file that resulted from inaccuracies in my credit history within 4 business days of receiving ( 1 ) appropriate proof of my identity and ( 2 ) a copy of an identity theft report. Attached is my updated FTC report XXXX : Experian XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$930.00} XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX -- -- -- XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Please note, according to FCRA section 605, you are required to remove any items within 4 business days if they are the result of inaccuracies in credit information. Additionally, please send the necessary notifications to the data furnishers involved. Thank you.

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 2024-06-01 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: CA

Complaint narrative:
XXXX XXXX Account Number- XXXX I am now requesting proof of the previous investigation. I m asking that you send your method of investigation, a long with all records of who you spoke with, their business address, name and phone number as well as documentation that proves this account was late, If you can not provide me with this information In 15 days update the account to Paid/never late and send me a copy of my updated credit report thank you

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 2024-06-01 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: VI

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I Have Tried Every possible way to cooperate with Equifax and they refuse to deliver on any of my requests through the mail or online disputes Like for an example I have a account on my credit report that are charge offs but I never received a XXXX from the creditors which they have received a tax wrote for them.. and this debt shouldnt be reported on my credit report I have also requested them to update my personal information as I provided them with a form of id my social security card and proof of residence and my phone number. It should only be one first and last name one current address as I provided and one phone number nothing else if I didnt give written consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX : ** XX/XX/year> **Amount : ** {$670.00} **Status : ** Still on credit application **Dispute Reason : ** Identity Theft **Summary : ** As of XX/XX/year>, an amount of {$670.00} remains on the credit application, which has been disputed due to identity theft concerns. The investigation into this matter is ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: VI

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2024-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XX/XX/XXXX, I deposited a personal check from a business associate ( a loan ) for {$2500.00} at Navy Federal Credit Union. I have previously deposited checks from this individual for the same purpose with NFCU without a problem, but was just notified that a five business-day hold would be applied to this check. NFCU has no grounds to hold any checks that I deposit since I have had the account for more than a year, and have never deposited a bad check. I called NFCU 's customer service line and spoke to a lady named XXXX who claimed that they were unable to release the hold. I am currently overseas for work and have no access to funds for the next week due to this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc.
State: CA

Complaint narrative:
Hackers gained access to my MoneyLion account and withdrew money. I tried talking to multiple agents but none provided any solutions. Also the hackers changed the account phone number to theirs and I can't change it back to my phone number. The agents had told me I had to wait a month to change it back, so basically the hackers may still have access to my account for a whole month potentially. But yeah according to MoneyLion, I have to just wait a month to change it back. No one seemed to really care I lost XXXX $ off my account. This happened on XX/XX/XXXX and it feels very unlikely I'll get a remedy for this situation.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-01 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
1. On XX/XX/2023 the following orders were placed. 
XXXX Refunded XXXX Refunded XXXX Refunded XXXX Pending Refund XXXX Pending Refund XXXX Pending Refund 2. In XXXX, when it was time to use could not locate the email delivery in my Email system ( XXXX ) XXXX. Promptly telephoned Target.Com to figure out what is going on. They looked into the matter and refunded three orders. For the remaining three, the emails were sent containing XXXX XXXX  XXXX Codes ( three {$100.00} Each ). 
4. After seeing what is happening, tried to check the gift card balances and found nothing. Called back Target.com and was told that the gift cards were activated by a third-party vendor and suggested that I contact XXXX. 
5. Promptly contacted XXXX and after spending couple of hours, I was told that they assigned a case number ( attached ) and indicated that the balances went it to a different account. Not to mine for sure. For confidentiality reasons, they could not divulge the information. 
6. Fir the past two and half months, I am going back and forth with your customer relations department. They keep insisting I need to work with XXXX. What kind of a response is that? I purchased them from Target and paid the monies for them. I expect the product/service be delivered by Target. Why they even talk about shifting the responsibility to XXXX? Believe it or not, going around in circles.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax Ive had issues dating back to XX/XX/XXXX regarding my credit file and random reporting issues that at times are minor to others major issues. Stuff that is there one day yet the coming week weeks, months or years will have been erased off. 

We are now at the worst point ever wuth this problem. Why? Equifax has failed to properly look into my repeated claims regarding this XX/XX/XXXX I was given an escalation number of XXXX told 7-10 days for the department who handles these research of issues to resolve the problem. Numerous times I tried following up well after the 10 days even into XXXX and told no issues were discovered. Knowing good well it wasnt worked if thats what was reported back. 

XX/XX/XXXX Escalation number XXXX was provided after finally reaching a manager named Josh who saw exactly what I was stating. First hand. Who also gave me reference number XXXX regarding the FTC Inquiries that werent processed yet thou recd ftc in office on XX/XX/XXXX so he processed it. He also looked up the previous escalation number to his surprise to learn the number showed tied to my account yet still pending from XX/XX/XXXX with exactly as Im stating still is ehar was documented in that escalation number back then. 

I called today to just check the status of everything the manager stated tbe inwuiries were deleted so I asked him then why if they were deleted on the XXXX toddy being XX/XX/XXXX are they still showing up. He stated he didnt know. I said you say the report regarding them being deleted was mailed out on tbe XXXX also and as you even see there still reporting. Just give it time please, no thats my problem. Ive given ample time since XX/XX/XXXX youre ruining me finically across the board. So Im left to seek my reports thriygh annual credit reports to which I cant access my reports even. 

XX/XX/XXXX at XXXX I went through the phone system to order my equifax report to which it stated it would be processed and mailed within 15 days. No report had arrived. Which is a violation of some sort Im sure considering I can prove over and over Ive gone through every measure possible to get this fixed. 

I assure you Ill seek legal action in tve coming weeks if action is taken and results regarding all this top up bottom arent delivered. 


XXXX dont respond to this complaint with a form response telling me how to order my reports or such. That clearly doesnt apply here. You as a person who works at XXXX need to verify whats stopping things in the backend and communicate those directly to myself & Equifax as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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 appreciate your efforts to remove some of the inaccurate items from my file that resulted from erroneous credit data, but there are still items that need to be addressed. Pursuant to FCRA section 605B, you are required to remove any items from my file that resulted from inaccuracies in my credit history within 4 business days of receiving ( 1 ) appropriate proof of my identity and ( 2 ) a copy of an identity theft report. Attached is my updated FTC report XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$930.00} XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX IR XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Please note, according to FCRA section 605, you are required to remove any items within 4 business days if they are the result of inaccuracies in credit information. Additionally, please send the necessary notifications to the data furnishers involved. Thank you.

Company response to consumer: Closed with explanation