vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXXXXXX XXXX ACCOUNT NUMBER : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXXXXXX XXXX ACCOUNT NUMBER : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I closed my XXXX account with XXXXXXXX XXXX on XX/XX/XXXX because I considered their new interest rates exhorbitant. I made several payments to pay off the balance. I thought I paid them off in full on XXXX XXXX with a payment of {$81.00} and threw away everything I had to do with this company. I received an alert from XXXX, my credit report monitoring company, that I owed them money and that my account was 30 days overdue. They said that my balance had been {$89.00}, not {$81.00}. I asked why I had not received any request for the balance via US mail, email or phone. They insisted that I must be wrong because they checked their system and it said they had sent it out. When I pointed out that things sometime get lost in the mail or delivered to the wrong address, she told me it was not her problem and that I should go to the post office to complain! At this point, we were talking about less than {$10.00}. I filed a dispute and eventually got a letter from them saying I was wrong and they were right. I also filed a dispute thru Experian because of the negative effect it was having on my credit rating. By this point, they said I owed them {$25.00}. They turned down that dispute as well. About a week later, I threw in the towel and made the disputed payment over the phone. The very next day I got an email from Experian stating that my credit report had plummeted another XXXX points because these fools had reported me as being over 60 days late. 

How can one company single handedly destroy my credit rating over a disputed {$25.00}? It took my decades to get my credit rating to exceptional and it is now only " fair ''. I am a senior citizen and this stain will be on me until I die. Does this punishment fit the " crime '' of questioning them? There is nothing fair at all about how I am being treated and spoken to by unreasonable people. I ask you : look at my credit history and tell me why I would torpedo my credit score over {$25.00}? A reasonable person would say there is clearly no fraudulent or criminal intent.

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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted equifax and also XXXX and the account is still reporting on my credit file equifax keeps my ftc report is invalid which is not true please help get this fraudulent account on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: GA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: VA

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Details of Disputed Inquiries : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX " I am attaching the report of the formal complaint filed with the Federal Trade Commission XXXX FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' XXXXXXXX XXXX ( Fair Credit Reporting Act, FCRA ) : 1. Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements.

2. Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted.

3. Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

4. Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized.

5. Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft. 
Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRA 's permissible purposes. 

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2024 XXXX XXXX XXXX XXXX : XXXX XXXX Dear XXXX XXXX, I am writing in response to your letter dated XX/XX/2024, regarding my dispute of the alleged debt of {$660.00}, which you are attempting to collect. This letter follows my previous correspondence dated XX/XX/2024, where I disputed the debt and requested verification in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I requested a copy of the signed contract associated with this debt, as well as a cease-and-desist from all collection activities, including reporting this matter to credit reporting agencies. 

Your response does not satisfy my request, and I believe you are in violation of the FDCPA. Let me address the issues in detail : Failure to Provide Verification You have failed to provide the proper verification of the alleged debt. In my initial request, I asked for a signed contract or agreement to substantiate the debt. Instead, you mailed me copies of monthly statements, which are not legally sufficient as they do not represent an agreement or contract between the parties involved. Under the FDCPA, it is an unfair and unconscionable practice to attempt to collect a debt that is not supported by a valid, signed agreement. 

Failure to Cease Collection Activity In addition, you have failed to comply with my request to cease and desist all collection activity, including the reporting of the alleged debt to consumer credit agencies. Reporting an allegedly disputed debt without proper verification and in violation of my rights is a deceptive and misleading practice under the FDCPA. Your continued reporting of this debt to credit bureaus, despite my dispute, constitutes a violation of the law. 

Furthermore, I am concerned that my personal information has been shared without my consent. This constitutes an additional violation of my rights under the FDCPA and applicable privacy laws. 

To summarize, I am requesting the following : Immediate cessation of all collection activity, including any further reporting of the alleged debt to any consumer credit reporting agency. 
Proper verification of the alleged debt, specifically a copy of the signed contract, as initially requested. 
Deletion of any and all credit reports related to this alleged debt. 
Failure to resolve these matters promptly will leave me no choice but to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

Thank you for your attention to this matter. I expect your prompt and thorough response to my request. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: WI

Complaint narrative:
on XX/XX/XXXX i made an in person deposit at truist bank on XX/XX/XXXX i received a receipt stating my funds will be available on XX/XX/XXXX on XX/XX/XXXX a letter was sent out claiming my account was restricted this letter i had not received at the business until XX/XX/XXXX i made several calls all of which were recorded for legal purposes to truist and everyone in the call center even the supervisors and saying they don't have any information and cant forward me to anyone with any information. so i did research into the matter and found out on XX/XX/XXXX the restriction was placed. meaning without calling to verify the deposit or attempting to check the validity of the check they restricted my account just because i made the deposit. on XX/XX/XXXX i was informed that the FULL amount of the check had been deducted from the account of the clients who paid the business. on XX/XX/XXXX i called to research what the hold up was again only to be informed that it was a review on the ACCOUNT and not The Deposit?? but the deposit Triggered The Review so i didn't press further just called my lawyer to ensure he was at the ready for legal action if we need to take that course of action. on XX/XX/XXXX i re spoke with my client and he tells me that they were called not once but TWICE by truist bank to verify the Deposit was made out to my company to which he let them know it WAS. I then with my lawyer combed thru truist banks policies and every pdf they have available and no where do they state this is a possibility then i researched similar situations to find out this is an ONGOING thing with this bank its predatory and unlawful and has been going on for YEARS. people are making legitimate deposits getting their funds held over the availability date by a review triggered by their system the day of or after the deposit before anyone has even had a chance to REVIEW the check i opted for paperless bills and notification but they purposely MAILED this to me so i would be NONE the Wiser Until i received it on XX/XX/XXXX which is a full 6 days after! if verification of funds and legitmacy of payments was priority it takes nothing but a call to the maker WHICH THEY HAVE DONE and currently even tho my online account states my funds will be released on XX/XX/XXXX It did not happen nor can i use my account for ANYTHING at all as it is STILL Restricted tho i have Recorded calls with Different departments and supervisors telling me otherwise!

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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

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, who's studying 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 XXXX out of XXXX 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. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-11-21 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: IL

Complaint narrative:
I am a victim of trafficking, and the information listed below, which appears on my credit report, is the result of that trafficking. I am requesting that you block this information from my credit report under Section 605C of the Fair Credit Reporting Act. 
Accounts to be Blocked : XXXX. XXXX XXXX XXXX Account Number : XXXX Status : Closed High Balance : {$1100.00} Remarks : Closed or Paid Account/Zero Balance XXXX. XXXX XXXX Account Number : XXXX Status : Charge Off High Balance : {$500.00} Remarks : Account Previously in Dispute - Now Resolved XXXX. XXXX XXXX XXXX Account Number : XXXX Status : Open, Delinquent High Balance : {$22000.00} Remarks : Past Due XXXX Days Past Due XXXX. XXXX XXXX Account Number : XXXX Status : Charge Off High Balance : {$11000.00} Remarks : Unpaid Balance Reported as Loss XXXX. XXXX XXXX XXXX Account Number : XXXX Status : Open, 30 Days Past Due High Balance : {$2600.00} Remarks : Account 30 Days Past Due XXXX. Extra Account Number : XXXX Status : Closed, 90 Days Past Due High Balance : {$440.00} Remarks : Account Closed at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX Status : Closed High Balance : {$600.00} Remarks : Closed or Paid Account/Zero Balance XXXX. XXXX Account Number : XXXX Status : Closed High Balance : {$720.00} Remarks : Closed or Paid Account/Zero Balance

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 2024-11-21 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: NV

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: IL

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, Experian data Breach and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following accounts XXXX XXXX XXXX, and XXXX  XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAINED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EXPERIAN DATA BREACH AND FRAUD. ATTACHED TO THIS IS A COPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

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 2024-11-21 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: NY

Complaint narrative:
My following company access my credit file without my authorization.

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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My following company access my credit file without my authorization.

Company response to consumer: Closed with non-monetary relief