vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report has incorrect, and incomplete personal information which makes it hard to apply for credit or even open new accounts. This is frustrating because this is my 3rd time sending a letter to update my personal information and no action has been taken! It is imperative to address the persistent issue of inaccurate and incomplete personal information on my credit report, hindering my ability to pursue credit applications or open new accounts with confidence.

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 2024-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

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 2024-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX, XXXX I initiated a domestic wire transfer through my bank, Bank of America ( BoA ) to the following : Confirmation Number : XXXX Recipient Name : XXXX XXXX Recipient address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total sent to recipient : {$30000.00} USD Transfer fees : {$30.00} USD Recipient account : XXXX Recipient Bank : XXXX XXXX XXXX XXXX XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total to recipient {$30000.00} USD Shortly after completing this domestic wire transfer, I became aware that the account number was not that of the intended recipient. The account number, XXXX, is used by XXXX XXXX XXXX XXXX XXXX XXXX as a holding account for XXXX XXXX, in the case of international wire transfers. 

On XX/XX/XXXX, I called the Bank of America to request this domestic wire transfer be cancelled. 
I was informed that the Representative could not cancel and that because the account number was not the intended recipients account number, the domestic wire transfer would fail and the funds would not leave my BoA account. The transfer did not fail. BoA did not stop the transfer. The money went to XXXX XXXX on XX/XX/XXXX. I had BoA issue a recall ( XXXX XXXX ) of funds to XXXX XXXX , which on the instructions of BoA, sent the money to XXXX XXXX . In response to the BoA recall request, XXXX XXXX ( case XXXX ), responded We are contacting payee for cancellation of this payment. We will advise on receipt of any response. 
BoA has not provided answers on : - why this transfer was executed- it did not include the account number of XXXX XXXX so where did the money go - it included a misspelled address for XXXX XXXX. 
BoA does not know where my money went. And, it is my understanding that they did not issue a recall to the XXXX XXXX. I called the XXXX XXXX  to discuss my wire transfer and they said they cant discuss that with me because I am to the recipient account holder.

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 2024-04-02 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX, has violated my rights. 

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.

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 2024-04-02 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX, has violated my rights. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: TX

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-04-02 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: CA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-04-02 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: IL

Complaint narrative:
I sent letters to Trans Union requesting that they remove XXXX collections from my Credit Report due to the accounts reporting inaccurately. I also sent letters to the XXXX XXXX Agencies that's reporting the inaccurate accounts. The Debt Collection accounts that I'm referring to are the following accounts : PRO COLLECT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The only change made after the investigation was a status change from an open collection account to a closed collection account. XXXX XXXX Companies listed about did not satisfy Consumer Credit Laws stated in the letters that I sent to the said companies.

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 2024-04-02 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: WA

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 2024-04-02 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: NC

Complaint narrative:
I put in a change of address prior to moving. My mail carrier returned some of my mail in error ( ( I was told by XXXX ). In the meantime, I was in good standing with XXXX aka Iowa XXXX XXXX as an XXXX plan was in place good through XX/XX/2024. However, in their attempt to send me correspondence, they not only placed that I could not be found ( they still had my phone number and email address and did not use it to " find '' me ). From XX/XX/2024 and every month up until recently, they put a negative report on file stating I was behind and added an amount over XXXX per account ( XXXX accounts ) stating I was late. I called and spoke to their billing department and the woman stated that she did not say I was late just could not be found and the information could not be removed. This has caused my credit score to drop significantly and now has caused a problem with me obtaining gainful employment. I had a problem with their reporting in the past even though I kept in good standing with them they still falsely reported information about late payments and stated they are in their rights to do so. How can I ever pay them if I am consistently undermined by their tactics with my credit report to find gainful employment to be able to pay them off without enquiring more interest and fees? I graduated to better my life not to make things worse. Please help 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 non-monetary relief
Consumer complaint received 2024-04-02 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: NC

Complaint narrative:
I put in a change of address prior to moving. My mail carrier returned some of my mail in error ( ( I was told by XXXX ). In the meantime, I was in good standing with XXXX aka Iowa XXXX XXXX as an XXXX plan was in place good through XX/XX/2024. However, in their attempt to send me correspondence, they not only placed that I could not be found ( they still had my phone number and email address and did not use it to " find '' me ). From XX/XX/2024 and every month up until recently, they put a negative report on file stating I was behind and added an amount over XXXX per account ( XXXX accounts ) stating I was late. I called and spoke to their billing department and the woman stated that she did not say I was late just could not be found and the information could not be removed. This has caused my credit score to drop significantly and now has caused a problem with me obtaining gainful employment. I had a problem with their reporting in the past even though I kept in good standing with them they still falsely reported information about late payments and stated they are in their rights to do so. How can I ever pay them if I am consistently undermined by their tactics with my credit report to find gainful employment to be able to pay them off without enquiring more interest and fees? I graduated to better my life not to make things worse. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: NC

Complaint narrative:
I put in a change of address prior to moving. My mail carrier returned some of my mail in error ( ( I was told by XXXX ). In the meantime, I was in good standing with XXXX aka Iowa XXXX XXXX as an XXXX plan was in place good through XX/XX/2024. However, in their attempt to send me correspondence, they not only placed that I could not be found ( they still had my phone number and email address and did not use it to " find '' me ). From XX/XX/2024 and every month up until recently, they put a negative report on file stating I was behind and added an amount over XXXX per account ( XXXX accounts ) stating I was late. I called and spoke to their billing department and the woman stated that she did not say I was late just could not be found and the information could not be removed. This has caused my XXXX XXXX to drop significantly and now has caused a problem with me obtaining gainful employment. I had a problem with their reporting in the past even though I kept in good standing with them they still falsely reported information about late payments and stated they are in their rights to do so. How can I ever pay them if I am consistently undermined by their tactics with my credit report to find gainful employment to be able to pay them off without enquiring more interest and fees? I graduated to better my life not to make things worse. Please help 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 2024-04-02 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: NJ

Complaint narrative:
My score on Equifax was not showing on my credit report, my info need to be update and all incorrect info need to be deleted. 

Here 's my info : XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SSN:XXXX DOB:XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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:
Please see attached documents. Do not clobse this complaint stating it is not me. I am a natural person and a consumer.

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 2024-04-02 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: CA

Complaint narrative:
XXXX XXXX XXXX has submitted XXXX requests for correction to my TransUnion credit report. This correction is for an auto loan that was mistakenly reported as XXXX days late by the XXXX XXXX. My complaint is towards TransUnion, as the creditor has submitted XXXX corrections or disputes to all XXXX credit bureaus and TransUnion has not updated or corrected the account on my credit report since XX/XX/2023. Every other credit bureau has made the correction and when I spoke with XXXX at TransUnion today he had no record of a dispute or correction request from XXXX XXXX XXXX which I know to be false, as XXXX XXXX XXXX called each credit bureau to make this correction. I want to know why TransUnion has such poor response time when it comes to disputes being made via phone from the creditor themselves, as well as the reason for such poor record keeping. XXXX told me to simply dispute the account. Shouldnt corrections coming from the creditor via phone be completed immediately? I need the XXXX XXXX XXXX account status and status date updated immediately to reflect pays as agreed never late.

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 2024-04-02 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: NV

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-02 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: NV

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2024-04-02 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: DISCOVER BANK
State: NY

Complaint narrative:
From XXXX XXXX XX/XX/XXXX, I was out of the country and in XXXX XXXX Sometime during my trip or during my departure, I started receiving debit alert notifications on my discover card. I had my card in my possession but it seemed like someone was using my card information anyway in the XXXX. I called the bank to dispute all transactions between XX/XX/XXXX and XXXX when I returned. They started an investigation while temporarily crediting my account. I noticed on XX/XX/24 that the outstanding balance was still on my account and called discover on XX/XX/24. I was told that my claim was denied because I still had the card in my possession when the transactions were made and some of the transactions were from vendors Id used previously. I explained that some of these vendors, such as the XXXX XXXX XXXX XXXX are vendors most New Yorkers use, and that I couldnt explain either how a person was able to use my card information. However my being out of the country should raise enough awareness that I couldnt possibly have made transactions with my physical card in the XXXX. I was told that they would open another investigation with the same XXXX while the charge is left on my card and accrues interests that Id be responsible for if they determine again that I am responsible for the fraudulent charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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