vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2024-11-14 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 have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: MoneyLion Inc.
State: PA

Complaint narrative:
Extra Charges and Request for Removal from Credit Report Account Number : XXXX Dear MoneyLion Customer Service Team, I am writing to formally dispute the charges and account closure associated with my MoneyLion account number XXXX. I believe that extra charges have been

applied incorrectly, and I am requesting the removal of these charges from my account and an adjustment to my credit report accordingly. Upon reviewing my account, I noticed charges that appear to be excessive and beyond what was agreed upon initially. I believe these charges were processed without proper authorization, which has caused undue financial strain. I am concerned these fees were applied in error and would like clarification on the exact nature and reason for these charges. Additionally, the closure of my account under these conditions is impacting my credit standing. I request that the account and any associated negative items be removed from my credit report, as they were based on disputed charges and not on my payment history. Please provide documentation or a detailed explanation of the charges, as well as any steps MoneyLion will take to resolve this dispute. I would appreciate your assistance in rectifying this matter at your earliest convenience. Thank you for your attention to this issue. I look forward to a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received an alert by Experian notice of collection by XXXX XXXX XXXX for {$150.00} aka, XXXX XXXX XXXX I don't know who they are but someone has impersonated me. Apparently this Company is in XXXX Ca. I tried calling them at phone listed on my report XXXX goes straight to a unlisted number. 
I have never contacted this or any Company for service they have the wrong person so I want to report them to you, Sincerely 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 explanation
Consumer complaint received 2024-11-14 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: VA

Complaint narrative:
I am writing to express my serious concern regarding the security of my personal information, as I have noticed that inaccurate information and items continues to appear on my credit report that is not associated with me, and I am deeply troubled by the potential risk it poses for unauthorized access.

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 2024-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I found unauthorized hard inquiries on my report, conflicting with 15 USC 1681c-2. Please remove them to protect my credit.

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 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Subject : Fraudulent Activity on Account Due to XXXX XXXX to Respond Description of the Incident : I am writing to report fraudulent activity that occurred on the accounts of Myself XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX, I XXXX XXXX was in a XXXX XXXX for approximately 9 months and unable to manage or monitor their financial accounts during that time. 
Dates : XX/XX/XXXX : XXXX XXXXXXXX XXXX XXXX 
Fraudulent transactions occurred during the XXXX  period ( XX/XX/XXXX XX/XX/XXXX ). 
Details of Fraud : While I XXXX XXXXXXXX XXXX XXXX XXXX unable to respond or monitor their accounts, unauthorized transactions were made with Capital One, resulting in over {$5000.00} being stolen from the account. 
Proof Provided to Bank : I have already provided the bank with XXXX  records and other documentation to prove that I XXXX was in a XXXX XXXX which made it impossible to respond to or monitor account activity during this period. 
Impact of Banks Response : Despite providing the necessary documentation, Capital One has refused to assist in reversing the fraudulent charges or offering any financial support. As a result of this inaction, XXXX is now homeless and without the funds that were stolen. 
Actions TakXXXX XXXX XXXX XXXX Documentation : Proof of XXXX XXXX provided to Capital One to substantiate that XXXX could not manage their accounts. 
XXXX Request for Assistance : Capital One has not provided sufficient support or assistance in resolving the fraudulent activity or addressing the financial hardship caused by the theft. 
Given these circumstances, I urgently request that the fraudulent charges be reversed and that the bank provide compensation for the stolen funds, as well as assistance in restoring the account to a stable state. I also seek guidance on any further actions I need to take. 
Thank you for your immediate attention to this matter. I hope for a prompt resolution to avoid further harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: GA

Complaint narrative:
On XX/XX/XXXX I deputed with XXXX that the information on my credit report was wrong, and they need to correct the information with XXXX XXXX. By contacting them and validate the information. They did not do that!! They reported back the next day on XX/XX/XXXX that information verified and correct. They are reporting on my credit that the balance was correct. 

My wife and I billing cycle date is on the XXXX of each month and the credit card was paid off before that date. If you look at the billing statement it shows a balance due of {$1.00}. XXXX is reporting a balance of {$210.00} which is completely wrong.

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 2024-11-14 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: GA

Complaint narrative:
On XX/XX/XXXX I deputed with XXXX that the information on my credit report was wrong, and they need to correct the information with XXXX XXXX. By contacting them and validate the information. They did not do that!! They reported back the next day on XX/XX/XXXX that information verified and correct. They are reporting on my credit that the balance was correct. 

My wife and I billing cycle date is on the XXXX of each month and the credit card was paid off before that date. If you look at the billing statement it shows a balance due of {$1.00}. XXXX is reporting a balance of {$210.00} which is completely wrong.

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 2024-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNT : XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-11-14 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNT : XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: MOHELA
State: IN

Complaint narrative:
The information on my credit report is reporting inaccurate information. The company XXXX  is reporting an account that is not correct and has been removed. However, it is not reflecting correct on my credit report. The account is not mine and I would need to have this removed from my credit. This is identity theft and needs to be taken care of asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: TX

Complaint narrative:
I am requesting a thorough review of an account on my credit report that has been repeatedly verified as accurate, despite clear evidence to the contrary. I have sent multiple disputes to correct or remove this inaccurate information, yet each response has resulted in the same inaccurate information remaining on my report. 

This continued failure to address the inaccuracies violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires credit reporting agencies to ensure complete accuracy. I require 100 % accuracy on my credit report, and I urge you to reinvestigate this matter, taking into account the attached documentation, and either correct or remove this erroneous information 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 2024-11-14 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: TX

Complaint narrative:
I am requesting a thorough review of an account on my credit report that has been repeatedly verified as accurate, despite clear evidence to the contrary. I have sent multiple disputes to correct or remove this inaccurate information, yet each response has resulted in the same inaccurate information remaining on my report.

This continued failure to address the inaccuracies violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires credit reporting agencies to ensure complete accuracy. I require 100 % accuracy on my credit report, and I urge you to reinvestigate this matter, taking into account the attached documentation, and either correct or remove this erroneous information 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 explanation
Consumer complaint received 2024-11-14 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: Eastern Account Systems of Connecticut, Inc.

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. I 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 disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2024-11-14 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-11-14 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: FL

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 XXXX 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