vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-23 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX  of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account : 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 2024-10-23 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:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2024-10-23 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:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2024-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Citibank allowed an 18-year old check to clear. I have no recollection of the check, but it was from 18 years ago. I do recognize the person it was made out to, and it looks like one I could have written. it is for {$400.00}. I contacted Citibank at the XXXX, CT branch on XX/XX/XXXX to find out why they allowed such an old check to clear as I thought they didn't do that after 120 days. The person at the branch asked if I recalled the check, and I did not but who does after 18 years? He called into a Citibank helpdesk who said since I couldn't recall a check from 18 years ago it is fraud. Then they said they were going to freeze my checking account. I said I didn't not know if the check was fraudulent since I recognize the person and it was 18 years ago, and I said do NOT freeze my account as it is likely not fraud, and that my question is different- why Citibank cleared an XXXX XXXX XXXX check in the first place. Long story short, I found out the following week when a legitimate check bounced that they did freeze my accounts, no warning. It has been a nightmare since. I called Citibank on XX/XX/XXXX and they said they froze my account and only if I would state it isn't a fraudulent check would they unfreeze the account. Basically I'm being held hostage. They refuse to address they allowed an 18 year old check to clear, and they refuse to recognize it's not reasonable to ask someone if a check from 18 years ago is or isn't fraudulent. Then they said the only remedy is to open new accounts and for my wife and I to set aside 1 1/2 hours to do so. In the meantime the check has cleared my account so the money is now gone, and Citibank opened an 'investigation ' which just confirmed they allowed the check to clear. Absolutely furious that a simple question has resulted in creating so much chaos and already sucked up over 1/2 a day at the branch and on the phone with Citibank, and still no resolution! And my money is frozen without any way to access 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 2024-10-23 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/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 XXXXXX/XX/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 2024-10-23 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: KY

Complaint narrative:
Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts : XXXX XXXX date late payment XX/XX/year> Furthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 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 2024-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX  ( XXXX ) is reporting inaccurate information on my credit reports. I have no knowledge of this account, and it does not belong to me. I have already contacted both the collection agency and the credit bureaus to resolve this issue, but the account remains listed.

Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S. Code 1681i ), I request an immediate investigation and removal of this account to correct my credit report. In addition, under Section 623 ( 15 U.S. Code 1681s-2 ), Portfolio Recovery Associates is required to report accurate information, and their failure to do so violates the law.

I also ask that Portfolio Recovery Associates cease any collection activities related to this disputed account in accordance with the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ) ( 15 U.S. Code 1692g ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Ive disputed with Experian, the deceptive collection account from XXXX XXXX XXXX alleging i owe debts in the amounts of {$190.00} and {$260.00} being reported on my Experian credit report. Ive requested Experian and the collection company to verify I owe such alleged debt, it has been well over 30 days for XXXX XXXX to investigate the disputed information and they have failed to verify the information. Per the law, 15 usc 1681i 5 ( A ) if the information can not be verified it MUST be deleted from my credit reeport immediately. it is Experian responsibility to maintain reasonable procedures and 100 % accuracy in the information their reporting. Per 15 usc 1681e ( b ) and they have failed in doing so. Experian, Is violating the FCRA and if they fail to delete this inaccurate information from my credit file, they must be held liable per 15 usc 1681n

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 2024-10-23 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: OH

Complaint narrative:
On XX/XX/year>, I sent a debt validation letter via certified mail to XXXX XXXX XXXX ( XXXX ) requesting validation of a debt they claimed I owed. Instead of validating the debt as required under the Fair Debt Collection Practices Act ( FDCPA ), XXXX transferred or sold the debt to XXXX XXXX without providing the necessary validation. 

15 U.S.C. 1692g ( Debt Validation ) : Under this section, once a consumer disputes a debt in writing or requests validation, the debt collector must stop all collection activities until they provide verification of the debt. Selling or transferring the debt without providing validation violates this provision.

15 U.S.C. 1692e ( False or Misleading Representations ) : This section prohibits debt collectors from using any false, deceptive, or misleading means in connection with the collection of any debt. Transferring or selling a debt without validation may be considered misleading and deceptive conduct.

I have not received any validation of this debt from XXXX, yet they have transferred it to XXXX XXXX for collection. This is a violation of the FDCPA, which requires that all collection activities stop until the debt is properly validated.

I have proof of the certified mail receipt that I will upload to support my claim.

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 2024-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Synovus Bank
State: IL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT, SOMEONE ELSE IS USING MY INFORMATION TO OPEN THIS ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: NC

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those 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 2024-10-23 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: PA

Complaint narrative:
I was genuinely shocked to see inaccurate accounts pop up on my credit report this morning, and I cant understand why. I regularly check my report, but today I found discrepancies that seemed to come out of nowhere. I attempted to refresh my browser, hoping it was just a glitch, but the inaccurate accounts still appeared. Given this upsetting situation, I am requesting a careful review of the documents I sent so that I can stop worrying about this matter once and for all.

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 2024-10-23 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: PA

Complaint narrative:
I noticed unauthorized inquiries appearing on my credit report this morning without any explanation. I checked my report as usual, but this time there were discrepancies that I can't explain. After refreshing the browser multiple times to ensure it wasnt a glitch, the problem persisted. I'm really upset and demand immediate action on the documents I sent to prevent this from happening again.

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 2024-10-23 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX AND XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my 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 explanation
Consumer complaint received 2024-10-23 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: OH

Complaint narrative:
On XX/XX/year>, I sent a debt validation letter via certified mail to XXXX XXXX XXXX XXXX XXXX ) requesting validation of a debt they claimed I owed. Instead of validating the debt as required under the Fair Debt Collection Practices Act ( FDCPA ), XXXX transferred or sold the debt to XXXX XXXX without providing the necessary validation. 

15 U.S.C. 1692g ( Debt Validation ) : Under this section, once a consumer disputes a debt in writing or requests validation, the debt collector must stop all collection activities until they provide verification of the debt. Selling or transferring the debt without providing validation violates this provision.

15 U.S.C. 1692e ( False or Misleading Representations ) : This section prohibits debt collectors from using any false, deceptive, or misleading means in connection with the collection of any debt. Transferring or selling a debt without validation may be considered misleading and deceptive conduct.

I have not received any validation of this debt from XXXX, yet they have transferred it to XXXX XXXX for collection. This is a violation of the FDCPA, which requires that all collection activities stop until the debt is properly validated. 

I have proof of the certified mail receipt that I will upload to support my claim.

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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/year>, I sent a debt validation letter via certified mail to XXXX XXXX XXXX ( XXXX ) requesting validation of a debt they claimed I owed. Instead of validating the debt as required under the Fair Debt Collection Practices Act ( FDCPA ), XXXX transferred or sold the debt to XXXX XXXX without providing the necessary validation. 

15 U.S.C. 1692g ( Debt Validation ) : Under this section, once a consumer disputes a debt in writing or requests validation, the debt collector must stop all collection activities until they provide verification of the debt. Selling or transferring the debt without providing validation violates this provision.

15 U.S.C. 1692e ( False or Misleading Representations ) : This section prohibits debt collectors from using any false, deceptive, or misleading means in connection with the collection of any debt. Transferring or selling a debt without validation may be considered misleading and deceptive conduct.

I have not received any validation of this debt from XXXX, yet they have transferred it to XXXX XXXX for collection. This is a violation of the FDCPA, which requires that all collection activities stop until the debt is properly validated.

I have proof of the certified mail receipt that I will upload to support my claim.

Company response to consumer: Closed with non-monetary relief