vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-08 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:
I am writing to express my concern regarding these unauthorized and fraudulent inquiries on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-03-08 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: GA

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

ccount name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : 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 2024-03-08 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: GA

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

ccount name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : 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 2024-03-08 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: MI

Complaint narrative:
I am writing to dispute several inquiries on my credit report that I believe to be fraudulent. I have no association with the listed creditors and did not authorize these inquiries.

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 2024-03-08 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: MI

Complaint narrative:
I am writing to dispute several inquiries on my credit report that I believe to be fraudulent. I have no association with the listed creditors and did not authorize these inquiries.

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 2024-03-08 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: GA

Complaint narrative:
i have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to those customer 's nonpublic personal information. 

Type of Business Date of inquiry XXXX XXXX  XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX  Auto Loans XX/XX/2023 TransUnion XXXX XXXX  XXXX XXXX XXXX, New XX/XX/2023 TransUnion XXXX Auto Financing XX/XX/2023 TransUnion XXXX XXXX Auto Dealers, New XX/XX/2023 TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/2023 TransUnion XXXX XXXX  Auto Financing XX/XX/2023 TransUnion XXXX Auto Financing XX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XX/XX/2023 TransUnion is a financial institution by definition under that title.

please provide the consumer the accounts that these inquiries are connected to. With signed documentation and NO E-OSCAR VERICATION.

1681 section 604 ( a ) section 2 states that " In general subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. 

The financial institution and the consumer XXXX and Transunion do not have my consent to furnish this information and they surely do not have my written consent. 

Any and all consent XXXX whether it be non-verbal, verbal, written, implied or otherwise revoked. 15 USC 6801 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non affiliated third party unless- the consumer ( me ) is given an explanation of how the consumer can exercise that non disclosed option. They never informed me of my rights to exercise that nondisclosure option. Every consumer reporting agency shall maintain reasonable procedures ' designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. XXXX and Transunion are not maintaining reasonable procedures.

According to the Fair Credit Reporting ACT 1681 section 602 ( a ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumer right to privacy. Transunion and XXXX are consumer reporting agencies and I am the consumer. 

see attachments for identification

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 2024-03-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
I was scammed by this dude of the name XXXX XXXX I posted my XXXX on XXXX marketplace he asks to buy it and if I have Zelle I send him my Zelle and he said he tried sending the money I get an email from what I think now is a fake Zelle saying that my account is not a buisness account and to set it up I have to send {$200.00} to the buyer and then I will get refunded I do that and then I get another email from what I think now is a fake Zelle account saying it didnt work and that I have to go to the store and buy {$100.00} XXXX XXXX XXXX I did that and sent them the picture of the code and then they said that they need another {$100.00} XXXX XXXX so me not knowing this is a fake Zelle buy another {$100.00} XXXX XXXX and send the code to them I then get another email from them saying that my funds are approved and all I need to get my money back to my account is another {$50.00} XXXX XXXX so I buy that other one and then there now saying they need {$100.00} XXXX XXXX again and I just realized its a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Receivable Management Services LLC
State: MN

Complaint narrative:
I am unaware of this debt I did not have the opportunity to dispute this debt, I did not receive proper notification, if in fact you believe I received proper notification of this debt please provide the certified mail receipt with my signature on there stating that I received it.

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 2024-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
You are reporting this collection with a past due amount of ( {$930.00} ). 
This is inaccurate reporting and needs to be removed immediately. Please send copy of my credit report when the above deletion has been removed. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: GA

Complaint narrative:
I am writing to dispute an inquiry on my credit report that I did not authorize. The inquiry was made without my consent and is not related to any financial transactions or applications I have initiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: GA

Complaint narrative:
I am writing to dispute an inquiry on my credit report that I did not authorize. The inquiry was made without my consent and is not related to any financial transactions or applications I have initiated.

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 2024-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: RI

Complaint narrative:
On XX/XX/XXXX I opened a case for fraud with my checking bank, TD bank, and I was not refunded the amount that I was scammed out of which is XXXX dollars. Under the TD bank policy it states that if the customer voluntarily discloses their user name or password information the money will not be refunded. However, that was not the case in my experience and I still will not be getting a refund. Also, when I asked the representative what I could do to get the money I was scammed out of returned he said I would have to take it up with my local police department, when I had already included the fact that I filed a police report in the bank scam report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: GA

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

ccount name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
XX/XX/2023 XXXX XXXX ACCOUNT # : XXXX Dear CARTER-YOUNG INC , THIS lS A NOTICE TO CEASE AND DESIST. AS MY RIGHT UNDER THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ), 15 USC 1692C ( C ) TO BE EXACT, I AM FORMALLY REQUESTING THAT YOU CEASE AND DESIST ALL COMMUNICATION WITH ME AND MY FAMILY AND FRIENDS IMMEDIATELY.

CEASE AND DESIST ALL NEGATIVE CREDIT REPORTING.

ANY FURTHER CONTACT BY YOUR COMPANY OTHER THAN A LETTER : 1. STATING THAT YOU RECEIVED THIS LETTER ; OR 2. WHAT SPECIFIC ACTION YOU INTEND TO TAKE ; OR 3. TO ADVISE ME THAT YOUR EFFORTS ARE BEING TERMINATED ; OR 4. TO REPOND TO THE DEBT VALIDATION AND VERIFICATION LETTERS, WILL BE A VIOLATION OF MY RIGHTS ACCORDING TO THE FDCPA AND I WILL FILE A COMPLAINT WITH THE ATTORNEY GENERAL AND THE FTC THANK YOU FOR YOUR PROMPT RESPONSE TO THIS REQUEST. 

SINCERELY : XXXX, XXXX NOTIFICATION IS COMPLETED UPON RECEIPT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: GA

Complaint narrative:
I am writing to dispute an inquiry on my credit report that I did not authorize. The inquiry was made without my consent and is not related to any financial transactions or applications I have initiated.

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX To whom it may concern : I need your professional assistance.

I am finding that no matter how much Present Positive credit information the credit bureaus should be reporting to my credit files monthly, they have refused to update my credit files with this information, and they are not raising my credit score accordingly. 

Instead, they are allowing old creditors that I have had nothing to do with for 5 years, the bureaus are allowing these old creditors to destroy and slander my name, and Present credit rating, by going along with them and falsely placing untruthful derogatory old account information onto my credit files.

The bureaus are unjustly keeping my credit scores low, and they have caused my Present Creditors to lower my credit limits, due to the fraudulent false lies that they are reporting to my credit files, by RE-AGING, old False Derogatory, Negative Payment, and Account Status information from the old XXXX accounts. 

The credit bureaus have old XXXX accounts, being made to appear as if I have Brand New Collections, and Brand New Charge off accounts, as well as Past due payments, AND NONE OF THIS IS TRUE. 

For years I have had to go through this, every year like clockwork the credit bureaus continue to do this, just as they have already done for the beginning of this year XXXX. 

My credit files and credit scores have been further ruined by the wrongful false fraudulent RE-AGED DEBTS, AND ACCOUNTS that the credit bureaus continue to update as though they are new. 

This has happened so much, and for so long, that it is so obvious that this is being done deliberately. 
And this is why I am seeking your assistance, I have an excellent payment record, and the credit bureaus are deliberately not reporting my accurate credit rating information, and as stated they are deliberately keeping my credit scores in the low 500s, thereby keeping me from conducting financial transactions that I should be free to make, like any other consumer. 

Every month I pay a mortgage, and other debts, and it is only fair that my credit reports reflect the true history of my payments. 

Not the made up lies that are being reported to keep me down. 

I would like to have someone at the credit bureaus in an upper managerial position to investigate the abuses that have been continually being done to my credit files.

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 2024-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Starting in XXXX had multiple claims due to a creditor that I paid through the account. After a year and a half the claims were resolved and finally paid. I spoke with XXXX XXXX a representative of BOFA on XX/XX/XXXX. He said that the bank doesnt give any restitution for any delays that was caused due to claims being paid late. This caused a financial hardship on me that resulted in credit score decreasing, vehicle being repossessed and defaulting on other obligations late fees etc. I know if I were a XXXX XXXX XXXX XXXX, BOFA wouldve found a way to compensate me and finance a vehicle that equaled to the one I had. Over time it was close to XXXX that had to be refunded to me. All he could say was he was sorry. That wasnt good enough, Im asking CFPB to please help me get restitution that is feasible for 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 2024-03-08 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: CA

Complaint narrative:
Dear sir/mam My information was sold and bought illegally because I was a victim of the Equifax Breach . I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. Follow all verification reinvestigation proceders and guidlines through FCRA rules. 
XXXX Open XX/XX/XXXX # XXXX XXXX XXXX Open XX/XX/XXXX # XXXX XXXX XXXX Open XX/XX/XXXX XXXX XXXX XXXX Open XX/XX/XXXX # XXXX XXXX XXXX Open XX/XX/XXXX XXXX XXXX Open XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I would like to comment that Im not satisfied with the decision that the company had given me. Based on the following reasons : 1 ) I was not given an option to not purchase the extension of the insurance. Therefore ; I thought it was mandatory. 2 ) at the moment of the necessary of using the insurance, I found out it was a scam, it was false information that was supposed to be covered. 3 ) at the moment to make a claim, I was indicated that I could not use the insurance not cancel it, this matted affected me as a loyal client. 4 ) the manager of financing didnt want to face me at the moment of claiming ( XXXX XXXX XXXX after a long wait he aproched to the financing area, sarcastically asking if I was happy and then laughing saying that the payment was nothing. Which it not a respectful action coming from a manager to a client that has referred many people to purchase their vehicles here. Therefore ; the financial services always have the rights, a client can never have the rights based on their ends. 
They made me wait more than XXXX hours to attend to my claim, which seems to me to be a technique to play tiredness, and when I was attended to I was mistreated as a customer and even discriminated against, letting me know that my money was worthless.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Attached are foreclosure documents from I have no clue who it is. 
I've not missed any payments at all and owned it since XXXX I have not signed any loans, other than with NewRez. I expect this agency to file fraud and criminal charges on this practice. 

I tried filing a complaint with the District Attorney 's office on Real Estate Fraud and the link has been blocked.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation