vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-04 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:
To whomever this may concern my name is XXXX and I've generated this statement. The accounts mentioned in this report should not be reported as they violate my rights as a federally protected consumer according to 15 US Code 1681-B. Also, FCRA Section 1681S-2 states, that a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. I am a victim of identity theft and did not authorize these accounts to be reported on my accounts. I am demanding that the accounts listed in this report be 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 explanation
Consumer complaint received 2024-04-04 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: PA

Complaint narrative:
To whomever this may concern my name is XXXX and I've generated this statement. The accounts mentioned in this report should not be reported as they violate my rights as a federally protected consumer according to 15 US Code 1681-B. Also, FCRA Section 1681S-2 states, that a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. I am a victim of identity theft and did not authorize these accounts to be reported on my accounts. I am demanding that the accounts listed in this report be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I received a XXXX XXXX prepaid XXXX XXXX  card in the mail. It said it was for {$500.00}. Not believing it but curious that XXXX XXXX would send me {$500.00}, I went to the XXXX XXXX ATM and tried using it. The ATM refused the card. 

I called XXXX XXXX and explained about the card and that when I tried using it the ATM refused it. I was asked if I entered the PIN #. I told them that a PIN # was not included and could they give me one. The answer was no. I asked what should I do and was told, find the correct PIN or I couldn't use it. 

I then asked them to cancel the card. I was told I needed to give them the PIN and name of bank that funded the card. Of course I didn't know either of them. Not knowing what to do, I did nothing. I figured it was a scam and nothing would come of it. 

Then I started getting bills for interest on the card. Each month I received a notice that interest was being deducted from the card. Annual percentage rate of 30.49 P. 

On the latest notice I noticed a " purchase '' charge of {$87.00} and a cash advance of {$570.00}. 

I admit I didn't pay attention to the XXXX XXXX notices because I did not apply for the card and did not use it and when I tried cancelling it they refused. I shredded the card after they refused to cancel it. 

Yesterday, I received a notice XXXX XXXX had sold the account to " Portfolio Recovery Associates , LLC. 

I don't understand what is happening. I confess to being ignorant about financial matters. I only use my XXXX XXXX XXXX and XXXX cards. I don't need any other. I am XXXX years old and too trusting. I should have known XXXX XXXX would never give me {$500.00} free but I see banks offering such often in advertisements. 

Thank you, XXXX XXXX XXXX

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

Complaint narrative:
The transunion company is reporting incorrect information, please update the information. 

my address is wrong and my date of birthday. 


The correct date of birth is on my ID attached.

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 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Please see attached 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 2024-04-04 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: TX

Complaint narrative:
My information was sold and bought illegally cause I was a victim of XXXX data breach .i want these remove immediate im attaching proof that XXXX has admitted that I was a victim and XXXX  has done nothing please help me delete these negative account from my credit report XXXX XXXX All hard inquiries

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

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, and so on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.

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 2024-04-04 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: Self Financial Inc.
State: PA

Complaint narrative:
SELF FINANCIAL/LEAD BANK Account Name Account Number Account Type Responsibility Date Opened Status Status Updated SELF FINANCIAL/XXXX XXXX XXXX XXX Secured Loan Individual XX/XX/XXXX Paid, Closed. XX/XX/XXXX Balance Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms - - - - {$720.00} - 24 Months XXXX XXXX XXXX Account Name Account Number Account Type Responsibility Date Opened Status Status Updated XXXX XXXX XXXX XXXX XXXX Individual XX/XX/XXXX Collection account. {$1800.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX Balance Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms On Record Until {$1800.00} XX/XX/XXXX - - {$1800.00} - 1 Months XX/XX/XXXX 2026

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

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

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 2024-04-04 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: NC

Complaint narrative:
I sent the bureaus a letter back on XX/XX/2023 requesting information but they never sent me what I requested. 

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below OR a Certification from the creditor that the certified accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of the verifiable proof, you must DELETE the account listed below. 
I demand that the following accounts be validated or DELETED immediately. 


1. XXXX  XXXX XXXX. & XXXX  2. XXXX XXXX 3. XXXX XXXX XXXX XXXX & XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: NC

Complaint narrative:
I sent the bureaus a letter back on XX/XX/2023 requesting information but they never sent me what I requested. 

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below OR a Certification from the creditor that the certified accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of the verifiable proof, you must DELETE the account listed below. 
I demand that the following accounts be validated or DELETED immediately.

1. XXXX XXXX XXXX. & XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX & XXXX 4. XXXX XXXX XXXX XXXX 5. 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 non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : TRUISTBANK - XXXX, XXXX  - XXXX Incorrect DOB - 1999 Incorrect Address - XXXX XXXX XXXX CT, XXXX, FL, XXXX EMPLOYER - THE KB 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 non-monetary relief
Consumer complaint received 2024-04-04 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: MO

Complaint narrative:
Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX . 

as outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the collection as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within 5 business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.

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 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I assert that adding inaccurate late payment remarks to my accounts violates 15 USC 1666. All payments on these accounts have been made on time, so any incorrect reporting is unfair and illegal.

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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Subject : Notice Of Dispute - XXXX XXXX To Whom it May Concern, I am writing to express my significant dissatisfaction and concern regarding the handling of the reporting of the account XXXX XXXX on my credit report. It has recently come to my attention that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. As such, I am requesting immediate action to address and rectify these issues. 

I hereby formally request a comprehensive debt validation, which should encompass the following details : Original Contract : I demand a complete copy of the original contract between the purported creditor and myself regarding the account XXXX XXXX. 
Original Creditor : Please clearly identify the name and contact information of the original creditor linked to this account.

Original Open Date : Provide the precise date when the account XXXX XXXX was initially established. 
Date of Last Payment : Specify the exact date of the most recent payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the account XXXX XXXX. 
I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to address these discrepancies. 

Failure to comply with this request within 15 days from the date of this correspondence will leave me with no choice but to pursue legal action to enforce my rights under the FCRA. Please consider this letter as a formal notice of my intent to proceed accordingly.

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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Subject : Notice Of Dispute - XXXX XXXX To Whom it May Concern, I am writing to express my significant dissatisfaction and concern regarding the handling of the reporting of the account XXXX XXXX on my credit report. It has recently come to my attention that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. As such, I am requesting immediate action to address and rectify these issues. 

I hereby formally request a comprehensive debt validation, which should encompass the following details : Original Contract : I demand a complete copy of the original contract between the purported creditor and myself regarding the account XXXX XXXX. 
Original Creditor : Please clearly identify the name and contact information of the original creditor linked to this account. 
Original Open Date : Provide the precise date when the account XXXX XXXX was initially established. 
Date of Last Payment : Specify the exact date of the most recent payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the account XXXX XXXX. 
I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to address these discrepancies. 

Failure to comply with this request within 15 days from the date of this correspondence will leave me with no choice but to pursue legal action to enforce my rights under the FCRA. Please consider this letter as a formal notice of my intent to proceed accordingly.

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 2024-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
In XXXX  0f XXXX I received a statement from Midland Credit Management alleging that I owe them a debt of {$1100.00}. Never having done business with them, I sent correspondence to them dated XX/XX/2024, via certified mail, requesting validation of the alleged debt. In addition, I also requested the contract in which I Signed or instrument bearing my signature, transaction history that would show what funds they provided me, any payments I made, and any credit they extended to me. I requested that they cease all collection activities including reporting to any credit reporting agencies until validation criteria has been met. They have continued to harass me with letters via United States Postal Service and electronic correspondence. Validation has never been established.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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:
In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2024-04-04 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank N.A. is not looking over my complaints, they lied and marked it as a duplicate. They are improperly using my credit report to add item that are violation of the FCRA, USC, CFR, and IRS laws. They closed the complaint ; XXXX. I had no choice but to resubmit the complaint ; XXXX.

Company response to consumer: Closed with explanation