vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Immediate Rectification of Incorrect Information on Credit Report Dear TransUnion Representatives , This letter serves as a formal demand for immediate rectification of erroneous information that has been repeatedly reported on my credit file. I have contacted TransUnion on numerous occasions to address this issue, yet I have encountered inconsistent responses and a lack of resolution.

Despite multiple attempts to clarify the discrepancies, I have been met with varying explanations regarding the Consumer Financial Protection Bureau ( CFPB ) reports I have purportedly filed. Your representatives have failed to provide a coherent or consistent account of the number of reports, the specific items under dispute, or the relevant dates. Each interaction has only exacerbated my concerns, with representatives providing conflicting information and, at times, falsely claiming managerial status. 

Moreover, when contacting the general customer service number and requesting a transfer to the fraud department, your representatives immediately asserted they were the fraud department, contradicting standard procedural knowledge that such calls require a transfer. This behavior is indicative of a broader issue within your organization 's handling of consumer disputes.

It is apparent that the lack of transparency and willingness to assist is undermined by TransUnion 's profit-driven motives. Such practices not only fail to uphold the standards of ethical business conduct but also violate the rights of consumers seeking to maintain accurate credit reports. 

I demand an immediate and thorough investigation into these discrepancies and a prompt correction of all inaccurate information on my credit report. Furthermore, I expect TransUnion to revise its internal practices to ensure that consumers are treated with fairness and transparency in accordance with applicable laws and regulations. 

Failure to address this matter promptly will compel me to escalate this issue to the appropriate regulatory bodies, including the CFPB and the Federal Trade Commission ( FTC ), and pursue all available legal remedies. 

I trust that TransUnion will take this matter seriously and act expeditiously to rectify the situation. 

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 2024-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: IN

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 think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 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: PA

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-06-06 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:
This is a follow up from Report XXXX XXXX XXXX  The law is very clear on the UCC laws and the UCC11 proves no liens on me or my property. If you owe a debt the creditors should put a lien to prove your indebtedness. The UCC filing allows creditors to notify other creditors about a debtor 's asset used as collateral for a secured transaction. UCC Liens are filled with the secretary of state acting as a public notice by the creditors. I have attached the UCC-11 CERTIFIED LETTER from the state clearly showing no liens or debt on me so how can you report anything as debt on my credit report? Per 15 USC 1681 section 604 ( a ) a consumer reporting agency can not furnish an account without my written instructions. 

Now to be specific these accounts should be deleted from my credit file immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I was charged {$1700.00} Euros for a {$40.00} euro taxi ride. We were not given a receipt for this transaction. The bogus charges were removed from my account pending investigation. Chase then provided a bogus " receipt '' from the fraudster with a handwritten " I received this service '' with obviously forged initials that did not resemble my name or initials. The fraudulent charges state that we were driven around for XXXX hours in a XXXX XXXX for {$1200.00} euro and then taken to the airport on XX/XX/XXXX for {$300.00} euro. I proved that we were taken to our hotel on XX/XX/XXXX and spent the night in XXXX. We then took an XXXX transport to the airport on XX/XX/XXXX for our flight out on that date. We provided our XXXX receipt for {$44.00} euro and a copy of our airline receipt showing our flight was on XX/XX/XXXX. We did not go to the airport on XX/XX/XXXX and would never pay {$300.00} for a trip that we know cost around {$45.00}. We were not driven around XXXX in a XXXX XXXX we were driven a few miles from the train station to our hotel. 
After furnishing copies of our hotel receipt, XXXX ride to the airport, and copies of our flight on XX/XX/XXXX the charges were removed. 
As soon as we discovered this fraud on our statement in XX/XX/XXXX we reported it to Chase. They suggested we cancel the card to prevent further fraud which we immediately did. We then provided more information to show the charges were not incurred. 
After a few months, we received a letter from Chase on XX/XX/XXXX, stating that they had reviewed the case and " you received a benefit from this transaction. '' The only benefit we received was a XXXX taxi ride from the train station to our hotel. I have talked to Chase repeatedly and they have been very curt in their conversations. The customer service reps have agreed that these charges appear fraudulent, but there is nothing they can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: IL

Complaint narrative:
I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.

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 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
On XX/XX/year>, I used PayPal to make purchase an item online. I used my credit card on file, which for an unknown reason did not work. Instead of PayPal canceling the order, or sending me an email stating the transaction did not process, they immediately used a different card on file that did not have the funds. They caused my XXXX XXXX account to become compromised, overdraft fees, & a negative balance. I never authorized PayPal to use my XXXX XXXX account. I processed a cancellation & they did reverse the transaction, however, still, I never authorized PayPal to use this card. Thats poor business practice. Any other company would cancel the order or inform you the card was declined, not use a different card without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: NV

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/information reporting to my credit report. These remarks have been detrimental to my credit health.

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 2024-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am currently on XXXX  XXXX  my funds have been deposited on the account that Ive had since starting the job. The bank stated that no recurring funds were coming to my account because its been closed since XXXX was able to go to the account they said had been closed and see that recurring checks had been deposited since XXXX of XXXX. I visited the bank and they again stated there were no deposits in that account stating again it had been closed since XXXX so I at that time showed the bank that in fact there are now recurring payments well the manager perceived to tell me that it was the responsibility for me to inform my job to redirect them to a new account. My question then to her was I wasnt aware of the account being closed until I requested they send me the proof I received a letter dated XXXX XXXX and I asked if the account was closed in XXXX why when they received the first deposit in form my job not to send the checks because the account was closed. Also last week I received an email from an attorney who asked if I wanted to join a class action lawsuit with this company for charges like overdrafts and other, I filed out the forms for this class action lawsuit but this law firm text me and stated they would need my account number for this claim so I sent it to him but I did not tell them the account was closed. I downloaded the contents of what I signed up for but a few days later I started getting suspicious and tried to pull the information about this claim but this site wasnt secure so I had no idea of who sent the claim to me but I would like if you can find out who it is. Thanks you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: IN

Complaint narrative:
My laptop was hacked on XXXX Key Bank XXXX XXXX from XXXX & XXXX XXXX XXXX such. XXXX Key Bank fraud division on XXXX and XXXX. On recorded call, requested to cancel XXXX XXXX gift cards. Computer hackers posed as tech rep and XXXX XXXX rep. Claimed that ransomware locked the computer. Requested that I withdraw {$5000.00} to clean up the mess. The {$5000.00} was submitted in XXXX XXXX XXXX XXXX cards. I never made any previous transactions with XXXX XXXX, yet XXXX XXXX did not block them. I filed a claim dispute with Key Bank on XX/XX/year>. They concluded that it was a legal, signed transaction. I was liable for that amount. I received the report yesterday. My XXXX history has the hacker 's time of entry at XXXX XXXX on XXXX. The tech hacker keep me waiting until after the branch bank closed. The fraud rep hacker requested I keep off my Key Bank page or the ransomware would withdraw the rest of my money. Thanks for you help in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: OneMain Finance Corporation

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my ONEMAIN - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: CA

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

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 2024-06-06 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:
see attached I am writing to bring to your attention certain inaccuracies that persist on my credit report despite your prior investigation. These erroneous items are negatively impacting my credit standing, which consequently affects my ability to secure favorable credit terms. 
Here are the specific items in contention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX kindly request an immediate re-investigation of these matters, and urge you to rectify any errors as soon as possible. 
In adherence to the Fair Credit Reporting Act ( FCRA ), Public Law 91-508, Title VI, Section 611, Subsections A-D, I am requesting disclosure of the names and business addresses of all parties who have verified these contested items. This will allow me to follow up directly with them if necessary. 
Upon completion of your re-investigation and any resulting modifications to my credit report, kindly forward an updated copy to my address listed above. 
The FCRA mandates that all disputed information that can not be verified must be promptly removed from my credit report. It also permits me to seek damages in court if you fail to comply with federal law. 
I appreciate your swift and cooperative response to rectify this situation. It is my hope that we can resolve this issue amicably and in accordance with federal regulations. 
Thank you in advance for your immediate 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 2024-06-06 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: FL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-06-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: MS

Complaint narrative:
This collection agency is reporting fraudulent inaccurate information on my credit report. Under the FCRA, I am exercising my rights to request full validation of the alleged debt but they failed to do so. I need this account removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I called regarding the late fees applied to my account. I was informed they didn't have to abide to the new law where credit card companies have to adjust the fees to {$8.00} for late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: NV

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/information reporting to my credit report. These remarks have been detrimental to my credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am XXXX XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief