vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Subject : Request to Remove Inquiries from my Credit Report Dear [ Transunion And All Other Credit Bureuas ], I hope this letter finds you well. I am writing to request the removal of certain inquiries from my credit report, which I believe are negatively impacting my credit score. 

As a responsible consumer, I regularly monitor my credit report to ensure its accuracy and to maintain a positive credit history. During a recent review, I noticed several inquiries listed on my credit report, which I believe were made without my express permission or knowledge. 

Upon careful examination, I have identified the following unauthorized inquiries : LIKE 26 Or 36 Inquiries I have not authorized any of the mentioned inquiries, and I am concerned that they may have been made fraudulently or in error. As such, I kindly request your assistance in removing these inquiries from my credit report immediately.

I understand that removing inquiries may require verification, and I am willing to provide any additional information or documentation necessary to expedite this process. Please consider this letter as a formal dispute and take the appropriate steps to investigate and rectify the situation promptly. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and I trust that you will adhere to the necessary guidelines in this regard. 

Kindly inform me of the steps taken to resolve this matter and provide written confirmation of the inquiry removal once completed. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of the accuracy of my credit report. 

Sincerely, [ 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 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, 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 urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress. It is crucial that you rectify this error without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian credit bureau has One ( 1 ) open account being reported with inaccurate balance. The balance should be XXXX XXXX. Experian credit bureau has refuse to correct the inaccurate information they are reporting. Enclose you will find documents to support my claim. The document clearly states the 1open account but wrong balance.

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 2023-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
On XX/XX/23 I tried to activate my new credit card with Citi bank and they told me they cant help me due to them having to send a verification letter in the mail? But they were able to activate my card with sending a verification code through text? The supervisor couldnt even help me to understand as to why this is even a thing and I asked her if this was for all new accounts ( not even asking for information about my account ) and they told me they cant help me due to me not having said letter with the code. The customer service sucks

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 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Unknown hard credit enquiry by XXXX XXXX on my credit report. 

If you search on XXXX, you would find a lot of people going through the same thing but looks like XXXX XXXX aggressively is after new customers, and is pursuing credit checks without any consent or authenticating proper documents. 

Also, they have no direct line to address this kind of issue. They are asking them to send documents by mail. 

Who would do that, why not by email, or free portal where I can directly file this complaint? No dedicated phone line either. Why would waste my precious time going to mail, writing on paper and submitting to USPS, unless its a government issue? Adding a fradulent enquiry is not my mistake. 


I tried contacting transunion, these guys have no select option on their portal to submit report on credit check ( but they have option to change name etc, smaller things who cares )... Asking them to send by mail or phone. Also chat wait time was 30 minutes more, ( consistently logging me out every 5 minutes in that wait line ) Overall, there is a big loop hole in this entire process, not a single company could add an extra layer of security to prevent opening account without my verbal, face to face consent. Other than freezing my credit check. I am software professional I can do that easily but think of regular not so familiar with computers people. 

I regularly check XXXX XXXX to monitor my credit info so I found out, there would millions of other who does not do this and they will never find out what happened to their unauthorized credit checks. 

I hope the goverment agencies will enforce stricter actions against these kind of practices by this very know finance frauds.

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 2023-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
On XX/XX/2023 I was contacted by XXXX about a debt I had owed. They provided an option to pay for {$340.00} by XX/XX/2023. Upon verifying and logging into my account on XX/XX/2023, the only option was to pay {$550.00} as a bait and switch. No other amount options were available.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
since 2005 I opened my checking account and my saving account with bank of America i am still using these accounts until now and I never received any rewards from 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 explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
There are a ton of discrepancies with my Principal Balance, Payments Applied, Dispursments to and From XXXX, Unconfirmed charged, Unapplied funds and the list goes on. 

When calling to make any arrangements or get any questions answered I'm bullied off the line with some {$40000.00} due now payment that they can not or have not yet explained to me. 

Same charge is used as a forclosure threat anytime I call to pay. The XXXX time I was cornered to modify my loan terms. The XXXX time I was made to sign up for double payments for the next XXXX months. These are the responses to me trying to make a payment, there's always $ XXXX due now. Foreclose or do as we say! 

Lastly that XXXX is being reported as months past due on my account to credit agencies. Killing my ability to pass background for landing jobs with big clients.. My account is presently XXXX month past due. In the past XXXX  years since I've been here, I haven't been a full XXXX months late unless they refuse to post a payment that's been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX credit bureau has One ( 1 ) open account being reported with inaccurate balance. The balance should be XXXX notXXXXXXXX. XXXX credit bureau has refuse to correct the inaccurate information they are reporting. Enclose you will find documents to support my claim. The document clearly states the 1open account but wrong balance.

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 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX credit bureau has One ( 1 ) open account being reported with inaccurate balance. The balance should be XXXX notXXXX. XXXX credit bureau has refuse to correct the inaccurate information they are reporting. Enclose you will find documents to support my claim. The document clearly states the 1open account but wrong balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Equifax, I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I write this letter with deep concern and dissatisfaction regarding the responses provided by XXXX, XXXX, and TransUnion to my complaint. It is distressing to note that all three credit bureaus have failed to address the central issue raised in my initial complaint, revealing a lack of accountability and transparency in handling consumer complaints. 

As stated in my original complaint on XX/XX/2023, the core concern lies in XXXX XXXXXXXX XXXX XXXX failure to respond to a Debt Validation request within the mandated 30-day period. The supporting evidence of a certified mail receipt unequivocally proves the mailing and receipt of the validation letter. However, the credit bureaus ' responses exhibit a dismissive attitude towards this crucial matter, evading any meaningful acknowledgment of XXXX XXXX XXXX  untimely response. 

I must express my strong disapproval of such responses, which not only demonstrate a lack of diligence and adherence to an unbiased investigation but also undermine the integrity of the credit reporting process. Consumers deserve proper and transparent handling of complaints, especially when it comes to issues that impact their financial well-being. 

In light of this, I demand that the response to my complaint be submitted on the public portal accessible to all consumers. This measure is crucial to prevent the credit bureaus from concealing their inadequate handling of complaints by mailing the response instead of posting it on the portal and to hold them accountable for their actions. 

Transparency and accountability are essential pillars in fostering trust between consumers and credit bureaus. By publicly acknowledging and rectifying the shortcomings in handling my complaint, you will demonstrate a commitment to improving your services and upholding fair practices. 

I expect this matter to be promptly addressed since the inadequacy of their responses to the XX/XX/2023 complaint should not be counted against me. The delay tactics should not be encouraged by allowing even more time after an inadequate response. Furthermore, all responses should be posted on the portal in addition to the mail. But mailing the response should not be a substitute for posting the results on the portal. 

Please be advised that should there be any further failure to address my concerns transparently and adequately, I will not hesitate to escalate this matter to relevant regulatory authorities and consumer advocacy groups up to and including legal action. 

Your immediate attention to this issue is expected and appreciated.

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 2023-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Business and Consumer Solutions.
State: FL

Complaint narrative:
On XX/XX/2023 I was contacted by FBCS about a debt I had owed. They provided an option to pay for {$340.00} by XX/XX/2023. Upon verifying and logging into my account on XX/XX/2023, the only option was to pay {$550.00} as a bait and switch. No other amount options were available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I obtained my credit report and requested the credit bureaus to verify and ensure the accuracy of all the information in accordance with 15 USC 1681i.

After waiting for a period of more than 30 days, I have yet to receive any response. I have tracking numbers for reference : XXXX, XXXX, and XXXX. It has now been more than 30 days since my initial request. 

Furthermore, I noticed that they have failed to update the current status of the disputed information. 

Experian 's actions are impeding my ability to purchase my first home. This situation is extremely frustrating as I am endeavoring to provide a suitable residence for my family. Regrettably, Experian is not fulfilling its obligations as stipulated by the law.

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 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
I checked my credit report and saw multiple accounts reporting that I do not recognize. This is hindering my life and needs to be removed from my consumer 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 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
I checked my credit report and saw multiple accounts reporting that I do not recognize. This is hindering my life and needs to be removed from my consumer 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 2023-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
On XX/XX/XXXX I reached out to a company named XXXX. XXXX, I request validation for the collection account reported to my credit report in the amount of XXXX XXXX The collection has been reported as a past due balance. I contacted XXXX. XXXX to provide me with any business contracts we may have together. I have attached the fraudulent document that they forged non existing addresses that does not belong to me. And I see why, Moving forward today XX/XX/XXXX on my credit report and theres this new company by the name of SOURCE RECEIVABLES MANAGEMENT, that has now bought the fraudulent account and is reporting to my credit report. In Violation of 15 CODE 1692, 15 US CODE 1692 ( d ), 15 US CODE 1666, 15 US CODE 1681 SECTION 604. These agencies are taking turns helping to damage my reputation, I am in distress knowing that Ive tried numerous times to communicate with these agencies and Ive not gotten the help I need. I do not know this company. I have never done business with this company. In accordance with the fair credit reporting act : SOURCE RECEIVABLES MANAGEMENT, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

Violation of 15 U.S. Code 1692j, Re : 15 US Code 6801 : States that It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, 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 no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 2023-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
On or about XX/XX/XXXX/. XXXX, 2023 I received an alert, stating there was an unusual login someone was trying hack my account so I contacted cash services to report the problem. The Hacker then proceeded to change the phone number and email address and so forth. I was able to catch it and change it back and when I reported it to the cash support they put a hold on the account for 24 to 48 hours and was told that I could access my funds after this time when I went back in to do so, it would not let me and I was not able to access the account since Ive tried contacting them on numerous occasions and no ones able to help me with the problem and isnt able to provide any information or how to resolve the issue to retrieve my money that was on there

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: AppFolio, Inc.
State: PA

Complaint narrative:
My landlord uses Appfolio to collect rental payments virtually. Understandably, fees are charged when a consumer pays with their credit card or debit card. However, Appfolio has decided to charge a {$2.00} fee per ACH payment. To my knowledge, processing these payments does not require that steep of a fee. This feels to me as a junk fee similar to the junk fees that are charged by mortgage lenders when people pay their mortgage payments. Renters are given the choice of landlords however they are not given a choice of who will collect their payments online.

Company response to consumer: Closed with explanation