vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-17 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: NC

Complaint narrative:
This credit bureau reports inaccurate information on 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 non-monetary relief
Consumer complaint received 2024-01-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These accounts and inquiries are not mine they were made without my permission, consent, inquires. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Or all the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is past the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instruction or consent 15 USC 1666 XXXX which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquiries must be removed immediately 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 non-monetary relief
Consumer complaint received 2024-01-17 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:
Im begging you please remove this to the 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 2024-01-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Flandreau Santee Sioux Tribe
State: NV

Complaint narrative:
On XX/XX/XXXXXXXX  at approx. XXXX I received a message from a family member saying they had been contacted by XXXX XXXX XXXX on behalf of XXXX { Loan Shop. I called them and was told that they said they were preparing legal action to recover a {$600.00} plus fees for a total of {$1600.00}. for a debt they claimed I took out in XXXX. I do not recognize nor know about this debt. I asked for proof of debt documents and was originally told they could not provide this. After much conversation, XXXX XXXX XXXX emailed a debt verification letter. I asked for a letter from the lender and signed loan documents but received no reply. I contacted them again via phone to find out why they were calling family members when I asked them to only contact me. They said they would update their files. About 3 hrs. later I was told by a family member they had received a phone call from XXXX. I told XXXX that I did not know about this debt, never received collection letters, phone calls, etc. They said letters had been mailed to my current address which I never received. I asked for VIP Loan Shop phone number and was refused. Could not find on the internet. Have not been able to contact them. I googled XXXX XXXX XXXX and found scam complaints for loans not taken. I filed a complaint with the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: GA

Complaint narrative:
Kindly remove this to my credit report. This is causing me a lot of stress and 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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have written and sent in over 30 days ago, my letter opting out Per 15 usc 6802 & 6805. I have chosen to opt out with these companies ( XXXX XXXX XXXX ) yet they are on my report for all 3 credit bureaus The XXXX account was sold and is charged off. A charge off is considered a certificate of indebtness, which is also considered income and MUST be removed The collections account was sold to a third party violating the privacy act of 1974. This need to be removed. 


I the consumer also never authorized my credit card utilization. The law states it is ILLEGAL to report transaction history without my written consent per 15 U.S. Code 1681b - Permissible purposes of consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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: NJ

Complaint narrative:
I was going over my credit report the other day and was quite angered to see that there were inquiries being reported that I never gave permission to even be run. It looks like the bureaus validated these inquires by allowing them to be reported on my credit report ; however I did not give permission to anyone to give away my information to the companies stated in the letters attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I have never lived at the location the apartments are telling me that I owe money on... I have lived in a residential home in a different city for years. I have reached out to apartment management and they keep telling me that I owe money on the alleged rental of this apartment, I have even sent a dispute letter to all of the credit bureaus and they haven't removed that item yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2024-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
The story is my boyfriend got a trouble and would like to borrow $ XXXX from me. I have enough money in my Chase Bank account and I can support him to get through this hard time. Because there is no Chase branch around me, and I am afraid of emailing a signed check to him would not be safe, finally I decided to use wire transfer from my Chase account to his Chase account, a domestic transfer. I checked the transfer info several times to make sure that everything is correct before I scheduled the first transfer on XX/XX/2024. Since it was Saturday, and I was told the transfer would start on XX/XX/2024. On XX/XX/2024, I received an email from Chase saying that the transfer was cancelled and my account was locked. I called Chase and they told me they need some info from me to verify this transfer. The verification was definitely successful and they told I can do another wire transfer in half of an hour to one hour later. Then I scheduled the second wire transfer after maybe 3 hours after the call, still on XX/XX/2024, again it was cancelled and my account was blocked. I called Chase, did the verification, and then scheduled the third wire transfer again, the same cancellation happened. The agent told me to do another transfer on XX/XX/2024. Then on XX/XX/2024, before I did the fourth wire transfer, I called Chase and to told them that I would like to do a $ XXXX wire transfer to my boyfriend to support his hard time, and they told me I was good to go. Cancellation and account lock happened again. Anyway, I tried five times to transfer the money and all were rejected, even though I told them this is not fraud, and I did need to transfer the money to my boyfriend. Finally I called Chase again and asked how can I do the wire transfer successfully, the last agent did another more accurate identification verification for me, and after this successful verification, he told me I should go to a branch. The issue is there is no branch within hundreds of miles around me. I have never done a wire transfer, including in and out, all my incomings are clear just from salaries and interest. I am not sure whether they will close my account later because of the five times rejection, but anyway, I spent two whole days just on calling Chase and trying to solve this issue but just got endless rejection and lock. I was really really really uncomfortable with this service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: NY

Complaint narrative:
I have written and sent in over 30 days ago, my letter opting out Per 15 usc 6802 & 6805. I have chosen to opt out with these companies ( XXXX XXXX XXXX ) yet they are on my report for all 3 credit bureaus The XXXX account was sold and is charged off. A charge off is considered a certificate of indebtness, which is also considered income and MUST be removed The collections account was sold to a third party violating the privacy act of 1974. This need to be removed. 


I the consumer also never authorized my credit card utilization. The law states it is ILLEGAL to report transaction history without my written consent per 15 U.S. Code 1681b - Permissible purposes of 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 2024-01-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: OR

Complaint narrative:
Couple months ago I noticed a huge drop on my credit score, after checking my credit report I found out that I have a collection from my previous landlord ( XXXX XXXX ) where I moved out from in XXXX XXXX. They are charging me for repairs and those items are something I didn't recognize when I moved out. Such as repainting the whole walls, water leakage and molds. 

Before moving out, I have provided my new address, my phone number to the manager ( XXXX XXXX XXXX ) and they have my email in their system. I've also made an appointment with XXXX XXXX at the apartment for her to check the apartment condition right before moving out. She agreed that there was no issue regarding the repairment and we don't need to worry about it. Within 30 days after I moved out, I emailed XXXX XXXX to ask the status of my security deposit. No response. They also did not contact me about the repairment, so I thought there's no issue since we had the manager checked the apartment. I assumed if they think I am responsible for the repairment, they should have contacted me within 30 days after I moved out, instead of sending my info to collection agency after a year. 

After I discovered the collection, I contacted the collection agency and ask for more information. Also asked collection agency to provide proof such as pictures of the repairments to prove that this really belongs to me. Collection agency and XXXXXXXX XXXX  fail to provide the proof of debt. If this really belongs to me, I asked them to provide the photos of the repaired location/area before and after they repaired it. I have not yet recived the proof. 

Given that they did not care to contact me within 30 days after I moved out regarding the repairment, also they did not care to provide any further information/proof. I suspect this is a fraud collection. Because what they described does not match to what I saw and the manager said when I moved out. When I moved out, I did a full inspection and made sure I cleaned every spot. Hence, I believe I am not responsible for this collection. And this collection account should be closed. Any collection account on my credit report should be removed if they can not provide further proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed TransUnion, XXXX and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.

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 2024-01-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.

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 2024-01-18 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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal 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 2024-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX # XXXX Flagstar Bank, Motgage servicing, XXXX XXXX XXXX  XXXX , XXXX, MI, XXXX Customer Service # XXXX Unjustified Late fees, refusal to reverse. 
On XX/XX/year> I sent out the payment for this loan. On XX/XX/year>, a full 10 days later, it was processed by Flagstar Bank. The other mortgage payment that I sent out was processed on the XXXX of XXXX with a different loan Co. When i called to inquire as to why my my payment was not processed, the Customer service Rep understood and asked for permission to remove the late fee. What happened next i can not explain. The supervisor at the the call center who gave her name as " XXXX '' refused to refund my late fee, stating that it does not matter when i sent my payment out, it only matters when they process it, and they were going to process my payment on the XXXX, a full 11 days after it was sent in. This is unacceptable. My payment was clearly not late. my P/N is XXXX the Supervisor was Rude, Talked ove me the entire time i was talking, and had no understanding that the payment was not late. Please feel free to contact me at my Cell number for any clarifactions

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 2024-01-17 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: WI

Complaint narrative:
I am writing to formally dispute the presence of unauthorized hard inquiries on my credit report, as indicated in the report recently provided by your agency. Upon careful review, I have identified these inquiries that were conducted without my explicit consent or knowledge. 

For XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For Equifax : XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am writing to formally dispute the presence of unauthorized hard inquiries on my credit report, as indicated in the report recently provided by your agency. Upon careful review, I have identified these inquiries that were conducted without my explicit consent or knowledge. 

For Experian : XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-01-17 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: IN

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING 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 explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports efffective immediately. Iam attaching proof that XXXX has admitted that was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my all 3 credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: NC

Complaint narrative:
There are accounts under my name that are a result of Identity Theft as well as inquiries in which I have no direct engagement. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see the attached documents for these accounts I am complaining.

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 2024-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I'm a victim of identity theft and my file merged with someone else. I provided proof to chex systems but they refused to take it.

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 2024-01-17 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 strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: CA

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation