vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-12 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: NY

Complaint narrative:
I am writing to file a complaint regarding XXXX XXXX XXXX XXXX for their failure to provide a written agreement regarding an alleged debt. I requested from XXXX XXXX XXXX XXXX a copy of the written agreement that they claim I signed, which would validate this debt. To date, they have not provided the requested documentation. 

This lack of response is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which entitles consumers to receive validation and verification of alleged debts. The companys failure to produce the necessary documents has caused confusion and concern, as I am unable to verify the legitimacy of this debt. 

I kindly request your assistance in ensuring that XXXX XXXX XXXX XXXX complies with the FCRA and provides me with the requested written agreement or removes this unverified debt from their records. 

XXXX XXXX XXXX XXXX Account Number 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 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I found accounts on my credit report that I do not recognize and believe they may result from fraud or identity theft.

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 2024-09-12 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I found that my credit report has inquires that I never apply and I dont recognize them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: U.S. BANCORP
State: MD

Complaint narrative:
I found that my credit report has inquires that I never apply and I dont recognize them.

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 2024-09-12 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 filing a complaint against TransUnion for failing to respond to my dispute letter regarding inaccuracies on my credit report. On XX/XX/year>, I mailed a dispute letter to TransUnion via USPS certified mail ( tracking number : XXXX ), requesting an investigation into inaccurate items on my report. I also disputed incorrect personal information listed on my credit report. 

To assist TransUnion in verifying my identity and address, I included a copy of my photo ID, social security card, and a recent bill with my current address. Despite providing all the necessary documentation, I did not receive any response or investigation results from TransUnion. Subsequently, I sent another dispute letter to Transunion dated XX/XX/year>. Despite my clear and thorough request, I did not receive any response from Transunion with investigation results. 

According to the Fair Credit Reporting Act ( FCRA ), if a consumer disputes the completeness or accuracy of any item in their credit file, the credit bureau is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, as mandated by the FCRA. 

I am including a copy of my dispute letter sent to TransUnion and proof of delivery as evidence. I am now demanding that TransUnion immediately and permanently remove the disputed items 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 2024-09-12 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 need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-09-12 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: TN

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them 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 2024-09-12 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: MI

Complaint narrative:
To Whom It May Concern, According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now! 

Listed below are the Personal Information that are being challenged : Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, TX XXXX Incorrect Previous Address : - XXXX XXXXXX/XX/XXXXXXXX, CA XXXX Incorrect Name : - 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 2024-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: MO

Complaint narrative:
Stole a $ XXXX security credit application from a consumer XXXX XXXX that was submitted for a consumer credit transaction by XXXX XXXX to purchase an automobile and was then denied transfer of funds to purchase automobile. New York XXXX is the indentured trustee to XXXX XXXX and is in breach of fiduciary duty by denying the credit sale and keeping the security from the application. Violating equal credit opportunity act, federal reserve act section 16 part 1 and 2, and committing securities fraud by keeping the security without the transfer of the funds in which the application was submitted for. Application number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
This collection agency is attempting to collect a debt of {$3200.00} that is way passed the Statute of Limitation of 7 years in New York State. I want this agency to delete and discharge my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: FL

Complaint narrative:
The following hard inquiries are showing on my XXXX XXXX account, which led me to open an investigation with the XXXX credit bureaus. 

The following hard inquiries are showing on my account of which were NOT opened or created by me : XXXX XXXX XXXX XXXX XXXX XXXX ( finance ). Both of these were reported on XX/XX/year>. Fortunately, from what I can tell, no accounts have been created and I believe were denied, however, I have no way of being certain without the correct information being given to me from the reporting agencies. 

I called all XXXX credit bureaus, to freeze my credit with them. XXXX and XXXX did not have any of this data on their end, however, when I called Transunion, they did have these XXXX reported which is affecting my credit and showing as hard inquiries... 

Transunion then advised me to contact the reporting business and get a letter from them stating that this was fraudulent activity. This is the only way they are able to " review '' the case and remove these items from my credit which are being falsely reported. 

Transunion did provide information to XXXX XXXX and I was able to contact them directly and handle, however they are unable to provide information for XXXX. Transunion gave me multiple addresses for the company and was unable to verify a single phone number. Therefore, I am unable to get Transunion the documentation they need to get this off 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 explanation
Consumer complaint received 2024-09-12 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-09-12 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-09-12 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: IN

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report 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 non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I got a check from friend I deposited in my account a after that bank close my acount

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 2024-09-12 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: IL

Complaint narrative:
Unauthorized inquiries have been detected on 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 2024-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Credit Karma, LLC
State: OH

Complaint narrative:
I requested to be refunded for the instant transfer fee of {$12.00} for my transaction of {$720.00} to my XXXX bank account on XX/XX/year>. I had to make this transfer because I could not use my card or make payments from my account despite have sufficient funds. I reached out to customer service and was transferred across three different teams yet they did not provide a solution or have an answer to the reason why I did not have access to the fund in my account. I finally reached a customer service representative who told me that there was a system issue so l had to wait to be able to use the funds in my account or transfer the money. I asked why account holders were not notified of a block to their account from a system issue and was told that not everyone was affected. The representative said I would have to wait to be able to use my funds ( no expected time frame was given ) or I transfer my money to an external so l could use it. ( Case # XXXX ). I had the option of making a free standard transfer that would be processed the next business day ( 2 days later ) or an instant transfer with a charged fee ( {$12.00} ) to be able to use the money in my account that day. The transfer that I had to make because the Credit karma money had a system issue and wasnt processing any payments. I was told to expect an email for assistance from the department in charge. I did not receive an email or any follow up. I reached out again XX/XX/year> about reimbursement for the fee from a transfer a had to make because of the Credit Karma money issue and was told, Unfortunately we do not have this option since you made this transfer, and I know you made it because a system issue but we are unable to refund you and in that case you were able to make a normal transfer to avoid the fee. ( Case # XXXX ) The normal/standard transfer without the fee would have processed the next business day which was two days laters. I know this because In the past I had to wait till the following business day ( Monday ) when sending a external transfer over the weekend. I was redirected to the dispute team and spoke to a representative there who told me they couldnt solve that issue and was transferred again to their general customer service department. After explaining the issue I was told again that they could not compensate for the fee because to complete an instant transfer the 1.75 % fee of total amount must be applied ( Case # XXXX ). 

Summary : I wasnt notified about not being able to have access to my funds, and had to make an external transfer that required a fee. Credit Karma is refusing to take accountability or compensate for the major inconvenience that blocked access to my money and the fee I had to pay to use money when I needed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
After the dispute investigation every account in collections shows open, past due and reflects past due balances. I also show one account was deleted however I dont know which account and during the dispute process XXXX has been sending collection mail, emails or text messages. 
I need a thorough investigation and validation from the buyer not previous statements of the old debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
After the dispute investigation every account in collections shows open, past due and reflects past due balances. I also show one account was deleted however I dont know which account and during the dispute process XXXX has been sending collection mail, emails or text messages. 
I need a thorough investigation and validation from the buyer not previous statements of the old debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: MS

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 explanation
Consumer complaint received 2024-09-12 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: NY

Complaint narrative:
I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2024-09-12 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: AZ

Complaint narrative:
After Reviewing my Credit Report with TransUnion I noticed Inquiries on my TransUnion Credit Report that I did not Authorize that are not connect to any account on my credit report by these banks of dates listed, 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. According to 15 USC 6802 ( d ) A financial institution shall not disclose, other agency an account number to similar form of access code or transaction of consumer. According to 15 USC 1681 ( b ) I did not give written consent nor instructions for any inquiry to be allowed to report to TransUnion Credit Bureau. Please verify all written letters. 18 USC 1028A Aggravated Identity theft. TransUnion Credit Bureau has committed a crime according to 18 USC 2028A XXXX XXXX XXXX. Please remove all inquiries on my credit Report with TransUnion

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 2024-09-12 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: FL

Complaint narrative:
I thought dealing with a tough economy was stressful, but then I took a look at my credit report, and it turns out thats a whole new level of frustration. The amount of inaccurate information I found is unbelievable, and its dragging my credit score down for no reason. Its exhausting trying to fix these errors, and honestly, if I needed to see a therapist for the stress, I couldnt even charge the session to my card without it getting declined because of these mistakes. All I want is for my report to reflect reality, not a string of errors that are making my life harder.

Company response to consumer: Closed with explanation