vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-20 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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX Balance Owed : {$100.00XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$520.00} XXXX XXXXXXXX Balance Owed : {$770.00} 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 2024-09-20 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 saw this credit card account on my report and it is not mine.

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 2024-09-20 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: CA

Complaint narrative:
I saw this credit card account on my report and it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: NJ

Complaint narrative:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Former : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-09-20 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:
Consumer Name : ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX  : ( Private XXXX  ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX Opened XX/XX/year>, XXXX XXXX opened XX/XX/year>. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
My debts already paid off but it keeps coming back and having problems with other transactions. And im having problems with my credit score.

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 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I took a look at my credit report XX/XX/2024 and noticed some things are incomplete and no accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy of the information concerning the individual about whom the report relates. 

I sent multiple letters asking them to reinvestigate these accounts listed below because [ XXXX - XXXX XXXX ] XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

[ XXXX - XXXX XXXX ] XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

[ XXXX XXXX - XXXX XXXX ] XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 


[ XXXX XXXX - XXXX XXXX XXXX ] XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 


[ XXXX XXXX - XXXX XXXX XXXX ] XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 


[ Late Payment - XXXX  XXXX ] Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate [ Late Payment - XXXX  XXXX ] Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate [ Charge Off - XXXX XXXX  XXXX ] Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 


[ XXXX XXXX - XXXX XXXX ] XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 


[ XXXX XXXX - XXXX XXXX ] XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 


[ XXXX off - XXXX XXXX ] XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 


[ XXXX XXXX XXXX ] XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 


[ XXXX - XXXX XXXX XXXX ] XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate.

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 2024-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: CA

Complaint narrative:
I dont know who these people are sending what seems to be scam letter. They used several names to represent themselves. Very deceptive and misleading. The lack of transparency is definitely a red flag. See attached.

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 2024-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank
State: MD

Complaint narrative:
First Progress XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SD XXXX and Secured Credit Card XXXX XXXX XXXX  XXXX XXXX, TN XXXX Account Number : XXXX I have not used this prepaid credit card since XX/XX/XXXX. Again, this is a prepaid credit card. I applied for this, in XXXX to help build my credit. I had to give them a {$200.00} deposit of my own money to open the card. I do not have this money back. I order to use the card ; you must have money on the card. Once you have used the {$200.00} you have put of your own money each month, can not use the card at all. This means you can not ever owe them money or have a balance. This is not a line of credit. I have had issues with this credit card company from the start. They are frauds and thieves. I have recorded a conversation calling to cancel this card. They kept charging me late fees and reporting me to the credit bureau for a prepaid credit card, I do not owe any money to and have recorded conversation of canceling the card. They even agreed to waive the late fees. Now they have the audacity to send me a bill for {$200.00} and {$120.00} of late fees for a card, I cancelled. Late fee 's rent waived, and for money I never spent, because it is a prepaid credit card. I can not use it if I do not have any money on the card to use. 
I do not owe these people anything. They owe me the {$200.00} deposit they collected when I opened tis card. Please provide an email address, so I can send the recorded conversations of my conversation with the credit card company. They had the audacity to report me to the credit bureau over this. I have no way of sending copies of my recorded conversation to the credit bureau 's. They need to correct this, with the credit bureau, refund my {$200.00} deposit, and remove the late fees. They are full of XXXX. I do not owe them XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 


XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/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 2024-09-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Recently checking my credit report I noticed that Ive been victim of Identity Theft and found numerous credit inquiries I have no knowledge of here are the inquiries Ive have found ; capitol one XX/XX/XXXX, capitol one XX/XX/XXXX, Capital one XX/XX/XXXX, XXXX XXXX XXXXXXXX, XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 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: NY

Complaint narrative:
I dispute the account listed below, which remains on my credit report despite your previous investigation. I request that this item be re-investigated immediately, as the inaccuracies are significantly damaging my credit score : account name : [ XXXX ], account number : [ XXXX ]. 

In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsections A-D, please provide the names and business addresses of everyone you contacted during your verification process so that I can follow up. Additionally, I would appreciate an updated copy of my credit report following your reinvestigation. 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 2024-09-20 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: LA

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX  - Account Number : XXXX Account Name XXXX XXXX XXXX - Account Number : XXXX Unauthorized inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Acceptance Corporation
State: GA

Complaint narrative:
A charge off is considered a certificate of indebtedness which means it is income and must be removed. Account XXXX I recently came across information related to charged-off amounts and their implications under the Internal Revenue Service XXXX IRS ) regulations. According to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. In light of this information, I kindly request XXXX 's assistance in reviewing the status of the charged-off amount associated with my account. It is also a breach of The Privacy Act of 1974. Violation with 15 USC 6802-6805 as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 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: AZ

Complaint narrative:
I have provided Experian with proof and documentation that fraudulent accounts are the results of a identify theft case that I submitted to Experian XX/XX/year> and accounts are still not removed from my credit profile and well over 30 days. I am going to sue this agency for damages as this, as well as the other lending companies reporting inaccurate information. I have flied FTC complaints, submitted police reports, and provided credit reports from both XXXX and XXXX. I will give XXXX hours to rectify this and remove fraudulent accounts or I will be forced to take legal action. Accounts to be resolved and removed 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 2024-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I traveled to XXXX, XXXX XX/XX/year>. On this day, I drove my XXXX rental to gas station. They are full service only there. The gas attendant asked for payment, He swiped my card and said it did not work. He requested cash payment. I paid the small amount, approximately XXXX  dollars US. The next day we flew home and I noticed a charge for XXXX from clipmex. This was not a charge I authorized, and it was not a charge for any service or goods. I immediately contacted Citi credit card to report and they sent me a new card. For 5 mos I have been trying to clear this up and have credit card company credit back my account. They have denied my claim 3 times. They are now saying I need to show proof of a receipt to prove I did not make the purchase. This makes no sense. They also said vendor responded and said services were delivered for the XXXX. I have no receipt from the merchant specifically stating what this purchase was for. 

This is a very clear and common scam performed in XXXX. Gas station swipes card, says it does not work, accepts cash, then charges large amount of money. It cant be classified as fraud since I gave merchant credit card. In addition I was told card didnt work, so I have no receipt, which makes a credit dispute difficult to fight. 

Citibank billing dispute told me I should be more responsible and I should contact my local police for resolution. 

This was obvious theft and fraud and credit card company is stonewalling and gaslighting.

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 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
It has been brought to my attention that you are not deleting files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not remove the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed : {$950.00} XXXX XXXX Balance Owed : {$2100.00} XXXX  XXXX Balance Owed : {$16000.00} XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX Bankruptcy Reference # XXXX XXXX  XXXX Balance Owed {$0.00} XXXX Bankruptcy Court XXXX  XXXX Bankruptcy Reference # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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 appreciate you making the effort to update and repair some of the data on my creditreport, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verifythese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that thesedisputed items will be fixed as soon as possible XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3600.00} XXXX XXXX XXXX Balance Owed : {$20000.00} XXXX XXXX XXXXXXXX Balance Owed : {$92.00} XXXX XXXXXXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 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: TX

Complaint narrative:
I appreciate you making the effort to update and repair some of the data on my creditreport, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verifythese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that thesedisputed items will be fixed as soon as possible XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3600.00XXXX XXXX XXXX XXXXXXXX Balance Owed : {$20000.00} XXXX XXXX XXXXXXXX Balance Owed : {$92.00} XXXX XXXXXXXX Balance Owed : {$0.00}

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 explanation