vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-09 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 have mailed multiple letters up to 120 days ago to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requesting the following information from them : A letter including the following : Validation of the account Inform the business where the account was opened that the debt is the result of identity theft. 
Stop collection activities against me. 
Stop reporting information about the debt to credit reporting agencies. 
If you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft. 

They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). As you know, under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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:
I have mailed multiple letters up to 120 days ago to XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX GA, XXXX requesting the following information from them : A letter including the following : Validation of the account Inform the business where the account was opened that the debt is the result of identity theft. 
Stop collection activities against me. 
Stop reporting information about the debt to credit reporting agencies. 
If you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft. 

They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). As you know, under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Throughout the history of this account, I've consistently maintained timely payments, ensuring they never surpass the due date. The appearance of late payment remarks on my accounts leaves me puzzled. Referring to 15 USC 1666b - Billing Error, corrections should be made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: TX

Complaint narrative:
Kindly eliminate these inquiries ; I lack any relevant information, and the company proceeded without my authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: IL

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The information reflected in my credit reports is currently marred by inaccuracies that have had a detrimental impact on my ability to secure new credit. As I submit credit applications to potential lenders, the discrepancies present in the reported data have led to confusion and contradictions, ultimately misrepresenting my creditworthiness. 

Given the gravity of these inaccuracies and their adverse effects on my financial reputation, I am formally requesting the correction of these errors and the subsequent removal of the incorrect items from my credit reports. It is imperative that my credit file accurately reflects my financial standing and history to ensure fair and informed assessments by creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have been a Capital One customer for over three years having a personal and business checking account a secured card. I was recently offered a credit card ( Capital one Savor Card ) around XX/XX/2024. Soon after I was approved and began to use the card. I received an offer from capital one to use a certain amount in a certain period of time to receive rewards in the form of a credit on my statement. I decided to use the card for some car repair and a trip I had planned with my family to take advantage of this offer. Two months after having the card I was notified via email that my account and all of my accounts associated with my name and social will be closed due to " inconsistent with typical customer account usage ''. I immediately called them to find out what exactly does this mean and was not given a reason or example of what I did wrong to have all of my accounts closed. I was told that I will never be able to open any form of account with capital one in the future still with no valid reason for their action against me. Not only have they caused my credit score to drop over XXXX points for the account usage but have unfairly discriminated against me for whatever reason. I have always made my payments on time. My personal and business bank accounts have never gone into a negative status. I do not purchase gift cards and consider myself a responsible banking customer. I make daily deposits from my small business. My banking activity is not illegal and is consistent with a small business owner I even work fulltime and deposit my paychecks weekly. I was never given a reason or a chance to possibly explain any activity that may be in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: NY

Complaint narrative:
The information reflected in my credit reports is currently marred by inaccuracies that have had a detrimental impact on my ability to secure new credit. As I submit credit applications to potential lenders, the discrepancies present in the reported data have led to confusion and contradictions, ultimately misrepresenting my creditworthiness. 

Given the gravity of these inaccuracies and their adverse effects on my financial reputation, I am formally requesting the correction of these errors and the subsequent removal of the incorrect items from my credit reports. It is imperative that my credit file accurately reflects my financial standing and history to ensure fair and informed assessments by creditors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these accounts be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: CA

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to XXXX parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed 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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Iam a XXXX XXXX XXXX man. I have been working XXXX & filing tax returns since then. Why does my report not show any employment from XXXX thru XXXX when i started working for XXXX XXXX I worked at XXXX  from XXXX XXXX. My report is missing data from XXXX .It also does not show my mortgage from XXXX while living at XXXX XXXX XXXX, XXXX, pa. XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: TX

Complaint narrative:
On the XXXX of XX/XX/2024, I discovered several unauthorized transactions when I checked my account balance through my bank 's mobile app. Upon noticing these transactions, I immediately contacted my bank to report that I did not recognize four transactions. These transactions included two charges of {$2000.00} each and another two charges of {$990.00} each.

I initially thought that these transactions might have been repeat charges that would eventually be rectified. However, to my dismay, I recently received a letter from my bank stating that they have investigated these transactions and have deemed them legitimate. Consequently, my bank has debited these transactions from my account, resulting in a negative balance. 

I respectfully request that the Consumer Financial Protection Bureau investigate these transactions further, particularly those that were posted on the XXXX and XXXX of XX/XX/2024. There were two transactions on the XXXX and the same two transactions on the XXXX, which have significantly impacted my account balance. 

I would greatly appreciate it if you could look into this issue and assist me in resolving it as soon as possible. 

Thank you.

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 2024-04-09 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: Atlanticus Services Corporation
State: TX

Complaint narrative:
I requested information about a Fraudulent hard inquiry that appears on my credit report in XXXX, I have already requested information on two occasions and I get the same response : " They can't get my information. '' I have provided all my required information and yet the same problem continues to affect me. 

XXXX XX/XX/2023 XXXX, XXXX XXXX XXXX, XXXX, GA XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: PA

Complaint narrative:
Kindly eliminate these inquiries ; I lack any relevant information, and the company proceeded without my authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: PA

Complaint narrative:
I believe FCRA 605B mandates the elimination of any erroneous entries from my credit record. Could you kindly review the paperwork? Several of the cited entries are flawed in terms of reporting, with inaccurate amounts and dates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX - XXXX Dear TransUnion I am disputing the account ( XXXX ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court.

including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX  | XX/XX/XXXX : Account number : N/A, -. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX  | XX/XX/XXXX : Account number : N/A, -. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Account number : Address, -. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX LA XXXX XXXX CA XXXX : Account number : Address, -. This address is not correct. Delete it immediately from my report. 



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 2024-04-09 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I paid off my credit card to XXXX  balance and then the auto payment went through the next day. I asked them to return the funds for the 2nd payment and they returned both payments by mistake. I spoke to the bank and they were supposed to delete the 30 day late from my credit report becuae it was the banks error that caused the late payment. The account is showing the XXXX balance yet the 30 day late rating remains.

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 2024-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: WA

Complaint narrative:
My bank account with chime has had several unauthorized payments for XXXX services that created an issuance of a new debit card. While waiting for the debit card I was without XXXX to my funds so tried to send money via chimes pay anyone service within the chime app On XX/XX/24 XXXX and on XX/XX/24 XXXX was sent to accounts that were never activated and the money was never received. So XXXX of my money hangs in virtual space with no way of retrieving the money. I have called and pleaded with chime customer service 4 times only to be told nothing can done. I have contacted the individuals who have chime account and they said they never received any money. 

I'm asking that this money be returned to me because the funds were never claimed. I am currently waiting on another debit card because of fraudulent activity perpetrated by a few individuals I was helping out who got access to my phone and attempted to steal my money from chime. 

My wallet was taken while helping XXXX homeless women with rides and a temporary shelter in my vehicle which I recently purchased. I have used pay anyone service because I was in a desperate situation and feel that since the funds have never been claimed chime should be able to verify this transaction and confirm that the money is still sitting in these inactive accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
PRESSLER, FELT AND WARSHAW LLP are attorneys for a creditor of a credit card I had, I have enrolled in a debt settlement program and an agreement was reached between my debt settlement program and this attorneys. On Friday XX/XX/XXXX I received a letter from these attorneys notifying me that and application to garnish my wages was being made even though this attorneys are receiving monthly payments on the account in question from the agreement reached with my debt settlement program, I would like to know why they are trying to garnish my wages if they getting paid for the account monthly, I tried speaking to them and they said since I am enrolled in the program they can't speak to me, I tried calling the attorney on the case and the attorney does not answer my emails or phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation