vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-16 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: NV

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 611 ( 15 U.S.C. 1681i ), that you, TransUnion credit reporting agency, remove inaccurate information appearing on my consumer credit report that is the result of identity theft and fraud. 

The fraudulent, inaccurate, and false information consists of the following accounts : 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 These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. I have 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. These items were not opened, made, or initiated by me and are the result of identity theft and fraud. 

To support my claim, I have attached a copy of the FTC Identity Theft Criminal Complaint # [ Private Case Number ] as proof from the U.S. Federal Trade Commission that the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

I respectfully request that TransUnion complies with FCRA 611 and removes these fraudulent accounts, collections, and hard inquiries from my credit report immediately.

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 2024-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
Im being billed for an XXXX XXXX XXXX at XXXX XXXX  in Delaware. There was no good faith estimate given at the time of visit. Based off the visit XXXX XXXX XXXX should be billed. No XXXX  was given. If they want me to pay the bill I need an itemized list of the care that was given. XXXX get an attorney if necessary. 

Being that I was XXXX XXXX  patient I should of received a good faith estimate of what the cost would be. The price of the bill is over {$400.00} more than what is listed on their website for XXXX XXXX XXXX This should fall under the No Suprise act. This also caused my credit score to decrease over XXXX points. This should be removed from all XXXX major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2024-08-16 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: EQUIFAX, INC.
State: KS

Complaint narrative:
Im asking for your help to address this incorrect account on my credit report. Im raising this issue because it has harmed my reputation, and I urgently need your assistance. Your mishandling of my credit report has brought me to my knees, as the false information has tarnished my reputation. These errors must be corrected so I can continue to live peacefully with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I applied for a credit card through Venmo in XX/XX/2024 with a {$200.00} promotional credit when you spend {$1000.00} on the card within six months of opening. I have spent {$6300.00} on the card and have inquired of the company on four separate occasions through secure messaging in the app and over the phone. I was told I would need to wait 45 days from when the eligible purchase threshold was met. This threshold was met within 30 days of opening the card ( XX/XX/2024 ). The card has remained in good standing with full payment of the balance each month and no overdue or missed payments. It currently has a XXXX balance. It has been over three months since I met the spending threshold, and I still do not have the {$200.00} promotional credit in my account. I contacted Venmo on XX/XX/2024, XX/XX/2024, and again on XX/XX/2024. The most recent response was that I would receive an answer to my inquiry within 30 days by mail. This is unacceptable. Venmo is not keeping the agreement terms for which I signed up for this card. In XXXX, my card was placed on fraud alert, and I was told that this was why I had not received the promotion. I have asked the fraud alert to be lifted and still, the promotional credit has not been received.

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 2024-08-16 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:
I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards.

Your agency is in violation!

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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 want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

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 2024-08-16 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: TX

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

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 2024-08-16 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: DISCOVER BANK
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ), I have the right ti dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any information from my credit report. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
See attached letters with specific reasons for my complaints, but it can be summarized as follows. Each of the companies connected to this complaint are purposely reporting information knowing its false, then verifying its accuracy every time I dispute it. 

A credit file can not : XXXX. Have listing of accounts showing both a charge off and a balance owed. The charge off means the balance is now XXXX or 2. They sold the account ( Which each of these companies has ) meaning I not only do not have access to pay these, I owe them nothing because the account is closed and has not balance Reporting these as balances owed is not just misleading, its false and illegal.

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 2024-08-16 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: TX

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 2024-08-16 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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:
On XX/XX/year>, I reviewed my credit report and noticed that a late payment was incorrectly reported. This payment was supposed to be marked as on time. Prior to this, I had communicated with the creditor, and we agreed that I would not be marked late due to personal circumstances unrelated to the pandemic. Despite this agreement, the late payment was reported. 

XXXXXXXX XXXX XXXX XXXXXXXX I sent a letter to TransUnion requesting that this issue be corrected, as it is inaccurately affecting my credit report. However, TransUnion responded by stating that everything is reporting correctly, which is not the case. 

Pursuant to 15 U.S.C. 1681s-2 ( f ), I am seeking assistance in resolving this matter. The continued reporting of this inaccurate information is not only incorrect but also in violation of my rights under the Fair Credit Reporting Act. I respectfully request that this situation be investigated and the incorrect late payment be promptly corrected. 

Thank you for your attention to this matter.

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 2024-08-16 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: NY

Complaint narrative:
I sent a dispute about late payments. Asked for them to send all information that proved my late payments were verified. Disputed the XXXX nothing was provided to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Each company is reporting a balance on a charge off account, a credit line, credit limit and listing the record as charge off month after month now going on years. It was charged off XXXX time, has no balance owed and listing a record month after month when your company does not even own it, is not just false, but misleading and illegal.

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 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
After the XX/XX/year> massive data leak of social security numbers, I called all XXXX  XXXX  credit bureaus to place a freeze. 

TransUnion disconnected me in the middle of the call after I had given them sensitive information. After saying my SSN, the recorded voice said " we are unable to verify your identity '' and hung up the call.

That was alarming, and suspicious, especially because I do NOT like giving out my social security number on the phone.

I really do want a freeze because the SSN data hack is a huge problem, so I called back. After I verified my identity AGAIN ( and had to both say AND enter my information before it was accepted by the automated system ), there was a pause and then the recording said " your credit has been frozen '' and returned to the main menu. 

The other two agencies provided CONFIRMATION with a case number and an email that my credit had been frozen. TransUnion did not confirm, did not give me information about how to unfreeze, and did not allow me to contact a person or backtrack in the process to get confirmation. 

I do not trust that TransUnion has frozen my credit, I do not trust them with my information, and I would like the CFPB to do something to protect consumers after this SSN leak. I am a better educated consumer who has the time to call all three agencies and sit through interminable automated system processes -- most Americans are in deep trouble after this hack. And that is really not acceptable.

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 2024-08-16 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: TN

Complaint narrative:
Insufficient Investigation Results and Failure to Provide Verification Details To Whom It May Concern, I am writing to express my dissatisfaction with the outcome of your recent investigation related to my credit report In my original dispute, I requested that you provide detailed information regarding the verification of the bankruptcy listed on my credit report, including the name and contact information of any third parties involved in verifying this information. According to the Fair Credit Reporting Act ( FCRA ), you are legally obligated to provide this information in writing, explaining the precise process and the sources used to validate the information. 

However, your response only directed me to log on to your website to obtain these details. This does not comply with FCRA requirements, which mandate that you provide the following directly : 1. The name, address, and contact information of the third party that verified the bankruptcy information on my credit report.

2. A detailed explanation of the investigation procedures you conducted to verify this information.

3. The method and evidence used to validate the accuracy of the reported bankruptcy.

Failure to provide this information violates my rights under the FCRA. Therefore, I am requesting that you immediately comply with your legal obligations and provide the information requested. 

Should you fail to provide this information within 15 days, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and my state 's Attorney General 's Office for non-compliance. 

Please consider this my final request before I escalate the matter further. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion 's website is a complete mess and needs to be fixed. People need help and they can not handle the traffic of people trying to freeze their 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 2024-08-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Property Receivables, Corp
State: OK

Complaint narrative:
I am writing to formally dispute a collection again that has appeared on my credit report. I have never received any communication from this company or lived or associated with them. Upon reviewing my credit report, I noticed that the collection amount and information are identical to a previous collection that I have already paid in full. 

Furthermore, I do not have any agreement or documentation with the said company. This demand for payment on a collection that has already been settled, and for which I have no legal or contractual obligation, is not only unjust but also a clear violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Violations include : Fair Debt Collection Practices Act ( FDCPA ) : Under the FDCPA, it is illegal for a debt collector to attempt to collect a debt that has already been paid. Your attempt to collect this debt again constitutes deceptive and unfair collection practices. 
The FDCPA also requires that the collector send a written notice within XXXX days of contacting me, outlining the debt details and my right to dispute the debt. I have received no such communication. 
Fair Credit Reporting Act ( FCRA ) : The FCRA requires that all information provided to credit reporting agencies be accurate. Reporting a paid debt as unpaid is a violation of this act, and it damages my credit standing without justification. 
I have the right under the FCRA to request that this inaccurate information be corrected or removed from my credit report. 
The presence of this erroneous collection on my credit report is causing significant setbacks in my financial life. I request that this matter be investigated immediately and that the erroneous collection be removed from my credit report. Additionally, I demand that you cease any further attempts to collect on this debt, as it is unlawful to pursue a debt that has already been settled and for which no agreement or documentation exists. 

Please confirm the removal in writing and provide an updated copy of my credit report once this issue has been resolved. If this situation is not corrected promptly, I will not hesitate to take further legal action to protect my rights. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation