vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-09 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: NY

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to XXXX XXXX XXXX and Experian this Fraudulent acct appearing on my XXXX Consumer Credit Report which I do not recognize as reported and is a Result of Identity theft and Fraud this is Fraudulent account opened at Pay Pal date XX/XX/year> acct XXXX this acct resulted in a Charge Off on my Credit Report I demand that the Fraudulent Item b removed from each of my Consumer Credit Reports Pursuant to my Rights within the FCRA and FDCPA

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 2024-10-09 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: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX Laws Dear TRANSWORLD SYSTEMS INC, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), particularly under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), along with XXXX  identity theft and consumer protection laws.

It has unequivocally come to my attention that TRANSWORLD SYSTEMS INC has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). Additionally, XXXX laws protect consumers from unauthorized use of personal and financial information. Under XXXX Identity Theft Statute ( 18 Pa. Cons. Stat. 4120 ), it is illegal to use another person 's identifying information without consent, which applies to unauthorized reporting of credit information. 

I assert with unwavering certainty that I have not provided consent for TRANSWORLD SYSTEMS INC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that TRANSWORLD SYSTEMS INC immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and XXXX relevant identity theft and consumer protection statutes. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including XXXX identity theft laws. 

Obtaining consent is not discretionary but a legal obligation under these specific sections of the FCRA and XXXX state law. This is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that TRANSWORLD SYSTEMS INC will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report, which I have previously raised for investigation. Despite my repeated requests, these errors remain uncorrected, and they continue to have a detrimental impact on my financial standing. The incorrect information on my credit file is not only causing damage to my XXXX XXXX but is also creating significant obstacles in my ability to secure financial opportunities and live a normal life. 

These inaccuracies have resulted in considerable hardships, and I am requesting immediate corrective action. I respectfully urge you to conduct a thorough investigation of the disputed accounts and take the necessary steps to update my credit report accurately. 

It is critical that this matter be resolved without further delay. I hope that with your assistance, my credit file can be restored to reflect its true and accurate status, allowing me to regain control of my financial health. 

Your prompt attention to this matter would be greatly appreciated, and I look forward to your swift response. 

Thank you for your understanding and support.

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 2024-10-09 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: WI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I check my current credit report and saw there are some inquires on my credit that does not belong to me on my TransUnion, XXXX and XXXXXXXX XXXX XXXX XXXX Bank ) XX/XX/202XXXX XXXX XXXX ( Bank ) XX/XX/2024 XXXX OF XXXX ( Bank ) XX/XX/2024 XXXX OF XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/2024 2024

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 2024-10-09 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: AL

Complaint narrative:
Upon carefully reviewing my latest credit report, I found multiple accounts that seem to be incorrect and were added without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
Disputed Debt and Lack of Proper Validation : PRA claims to have received documentation from Synchrony Bank regarding this account, but I have not received any valid proof confirming that I owe this debt. Under the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ), I am entitled to proper debt validation upon request. PRA has failed to provide this, and I am formally demanding that you provide the documentation that proves I am responsible for this debt.

Violation of Fair Credit Reporting Act ( FCRA ) : PRA has inaccurately reported this debt to credit bureaus, negatively impacting my credit score. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), PRA must ensure the accuracy of any information reported. Reporting this disputed debt without verifying its accuracy is a violation of my rights under the FCRA. Until PRA provides valid proof of this debt, I request that you immediately remove this account from my credit report.

Privacy Act and Identity Theft Concerns : The account in question was opened without my knowledge or authorization, and I have reason to believe that this could involve identity theft. PRAs use of my personal information without proper verification constitutes a violation of my privacy rights under the Privacy Act and the Gramm-Leach-Bliley Act. I request that PRA thoroughly investigate this potential identity theft and provide documentation that supports the legitimacy of the account. If no such documentation can be provided, the account should be immediately removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: SC

Complaint narrative:
I am writing to formally dispute a charge-off reported by XXXX XXXX on my credit report, as I believe the circumstances surrounding this charge-off were based on misleading and deceptive information provided by XXXX. 

On XX/XX/year>, I received a text message from Ally Financial stating that my account would be charged off within 5 days unless I resolved the issue I promptly reached out that same day explaining my financial hardships. The very next day XX/XX/XXXX, I received a communication from XXXX indicating that I had 30 days to rectify the situation as well as giving me a case number. Despite the XXXX notice, XXXX proceeded to charge off my account before the XXXX period had elapsed. 

When I contacted Ally to clarify this, I was informed that the agreement was no longer valid due to XXXXXXXX XXXX XXXXXXXX I was never made aware of beforehand. As a result, the charge-off was processed under deceptive terms, which directly impacted my credit standing. Today XX/XX/XXXX I reached out again for the XXXX time to try and get a fair resolution to this situation, I asked to speak to the supervisor I was on hold for a bit and then told she was unable to speak with no clear reason as to why, I asked to please have her call me back then as this is my livelihood on the line and they proceeded to tell me they could give her my contact information but she was not likely to call me back to address my situation. 

I am requesting that XXXX investigate this matter thoroughly and remove this inaccurate charge-off from my credit report. I have attached the supporting documentation, including the misleading messages from XXXX, to substantiate my claim. 

Thank you for your attention to this matter. I look forward to your prompt resolution.

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 2024-10-09 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: SC

Complaint narrative:
I am writing to formally dispute a charge-off reported by XXXX XXXX on my credit report, as I believe the circumstances surrounding this charge-off were based on misleading and deceptive information provided by XXXX. 

On XX/XX/year>, I received a text message from XXXX XXXX stating that my account would be charged off within 5 days unless I resolved the issue I promptly reached out that same day explaining my financial hardships. The very next day XX/XX/XXXX, I received a communication from XXXX indicating that I had 30 days to rectify the situation as well as giving me a case number. Despite the XXXX notice, XXXX proceeded to charge off my account before the XXXX period had elapsed. 

When I contacted Ally to clarify this, I was informed that the agreement was no longer valid due to XXXXXXXX XXXX XXXXXXXX I was never made aware of beforehand. As a result, the charge-off was processed under deceptive terms, which directly impacted my credit standing. Today XX/XX/XXXX I reached out again for the XXXX time to try and get a fair resolution to this situation, I asked to speak to the supervisor I was on hold for a bit and then told she was unable to speak with no clear reason as to why, I asked to please have her call me back then as this is my livelihood on the line and they proceeded to tell me they could give her my contact information but she was not likely to call me back to address my situation. 

I am requesting that Equifax investigate this matter thoroughly and remove this inaccurate charge-off from my credit report. I have attached the supporting documentation, including the misleading messages from XXXX, to substantiate my claim. 

Thank you for your attention to this matter. I look forward to your prompt resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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: NY

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: SC

Complaint narrative:
I recently reviewed my report and noticed some fraudulent accounts on my report. Please remove these accounts off my report they are hurting my ability to obtain credit

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 2024-10-09 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: SC

Complaint narrative:
I recently reviewed my report and noticed some fraudulent accounts on my report. Please remove these accounts off my report they are hurting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I was solicited through XXXX XXXX for a personal loan for up to {$10000.00} with good approval odds. I proceeded with the application, and it wasn't until after the application was approved that they they notified me that it would be a secured loan, using my car. One of their loan officers, XXXX, called me minutes later to discuss the loan. I asked her to have the inquiry deleted, since they changed important details of the loan that I was seeking. One of the questions that they asked in the application was if I owned my car outright, which I do. I have a feeling that they use this for more people other than me to give themselves better positions in the loans that they offer. Either way, she said that all I had to do was call the credit bureaus and ask them to remove it, since I didn't want to go through with the loan. I advised her that it is not that simple and that what she is suggesting is not at all how the process works. I informed her that the credit bureaus need a release/statement from their company before they would remove anything. She restated her previous statement. I asked her if there was someone else available that I could speak with. She said that she could give me the number for customer service but that they would tell me the same thing that she did. I asked for someone there who had a better understanding of how all of this works, and her branch manager had conveniently already left for the day. I asked to be transferred to someone else again and stated that I needed to speak with someone that knows how to handle this better than she does and she hung up on me. I tried to call back and she ignored my call. 

Not only am I very unhappy with the invalid inquiry that has already shown up on my credit, but I am also very displeased with how rude XXXX was, the fact that she lied or didn't know the basics of her own field, and the fact that she stonewalled me from being able to correct the issue that they caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Due to financial hardship ( loss of income due to job loss ), I requested from TD Bank a forbearance on my mortgage loan, which was I granted, but I never received written confirmation from the bank regarding the forbearance status, despite my multiple requests. I never knew if it was ever approved or for how long. Through several attempts to reach the correct person in their contact center, I was able to learn that my loan was in forbearance through XX/XX/XXXX. 

Upon exiting forbearance on XX/XX/XXXX, I requested a loan modification ( deferral ) and was informed by TD this will be handled promptly upon exiting forbearance. I resumed my normal monthly payments in XX/XX/XXXX, as instructed by the bank, and was by TD that a deferral would be applied promptly upon exiting forbearance. 
However, I noticed on my monthly statements that my loan balance was still overdue and that I have been incurring late charges. I immediately called the bank on XX/XX/XXXX and spoke with XXXX XXXX. What I found out was shocking. 

The loan modification ( deferral ) request was NEVER completed by TD as promptly promised. XXXX XXXX informed me TD had a XXXX SLA or turnaround time as required, which means the deferral should have been applied by XX/XX/XXXX. Major TD fail. 

XXXX XXXX also informed me the deferral request was submitted on XX/XX/XXXX to the banks Underwriting department by the TD Helps/Loss Mitigation department. XXXX XXXX declined to provide me the name of the Underwriter assigned to my loan, despite my request. 

I understand that on XX/XX/XXXX at XXXX PM XXXX XXXX XXXX ( TD agent ) sent an email to the Under Underwriting department requesting a status on the deferral. 
XXXX XXXX promised me an XXXX XXXX of her department will be calling me back within XXXX hours regarding this issue. As of the date of this complaint ( XX/XX/XXXX ) I have NEVER received a return call from an XXXX XXXX. Another TD fail. 

XXXX XXXX : {$9500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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:
On XX/XX/XXXX, I contacted XXXX 's credit department after receiving a letter indicating that my monthly statements were not being sent to my email. The letter prompted me to reach out to rectify the situation. I confirmed that my email address remained unchanged and was functioning properly. Despite this, I had not received any statements from XXXX. During the call, I explained my situation to an agent at XXXX, but when I attempted to verify my account, I encountered another issue : the security code needed for verification was not being sent to my registered phone number. 

After explaining this problem, I was transferred to several different departments throughout the call, but despite my efforts, the issue remained unresolved. No one was able to provide a solution to why both the email statements and security code verifications were failing, and by the end of the call, no progress had been made in fixing either issue. 

Later that evening, I received notifications from all three major credit bureaus informing me that I now had a balance on my XXXX credit account. This development immediately caused a decrease in my credit score, which was both unexpected and concerning. The sudden reporting of the balance on XX/XX/XXXX seemed out of place, as my billing cycle for this account is on XX/XX/XXXX, and my payment due date is on XX/XX/XXXX. This raised the question of how XXXX could have submitted my account balance information to the credit bureaus well before the normal reporting date, especially when I had reached out that same day due to communication issues. 

This sequence of events has caused significant confusion and frustration. Not only was I unable to resolve the issues with my account and the missing statements, but I am also now facing the added stress of a drop in my credit score, seemingly caused by a premature reporting of my account balance. Given the circumstances, I am seeking clarity and resolution regarding the premature reporting and ensuring that my account 's communication channelsemail and phone verificationare restored to proper functioning.

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