vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 nephew, 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 : XX/XX/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 2024-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Frauds, inaccurate reportings, double jeopardy : deleted priors reoccurring, discrepancies in data being furbished. 
XXXX has XXXX piece of information while TransUnion and XXXX report total different information. XXXX says XXXX open accounts XXXX closed ; TransUnion says another amount listed as well as XXXX for XXXX total accounts ; along with dates of origination and last reporting dates not matching : my Federally protected rights and XXXX XXXX has been defamed and in manners breeched. 
Also in existence are XXXX XXXX Credit compliance and Consumer Law Violation ( S ) 15 USC 1681 and 1682 Transactions and Experiences are ILLEGAL to Report between the CONSUMER AND CORPORATION OR PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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:
I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed 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 2024-07-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
**NOTICE : SERVICE OF PROCESS / LAST OPPORTUNITY TO CURE** On XX/XX/year>, EQUIFAX wrongfully and intentionally denied my Regulation V request to block adverse information resulting from XX/XX/XXXX, alleging that I did not provide qualifying victim determination documentation confirming that I am a victim ofXX/XX/XXXX This allegation is false, as the required documentation was submitted both as an attachment to the initial CFPB complaint and via XXXX XXXX through XXXX XXXX Mail. EQUIFAX is avoiding providing written confirmation that they are in fact rejecting the certification I provided, but instead falsely claiming that it was never provided. This appears to be a insurrectionist attempt to circumvent Regulation V, which strictly prohibits EQUIFAX and other CRAs from validating victims ' determination documentation as well as a deliberate display of discrimination against authorized XXXX 's. EQUIFAX, is engaging in deceptive and unfair business practices, which has led to the filing of a claim in XXXX XXXX XXXX for damages caused by it's willful noncompliance. This is EQUIFAX 'S final opportunity to comply with the law amicably. Failure to do so will result in the continuation of legal action and the public disclosure of these wrongful practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

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 2024-07-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
My saving account was hacked yesterday. I had a security problem was XX/XX/year> which I filed a compliant. ( XXXX ) I spoke to XXXX this XXXX about the matter. This problem did not improve.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: FL

Complaint narrative:
I am writing to dispute the hard inquiries listed on my Transunion credit report. Upon reviewing my report, I noticed inquiries that are inaccurate and unauthorized. Below are the details of the disputed inquiries : XXXX XXXX : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX : XXXX. XXXXXXXX XXXX I have thoroughly reviewed my records and can confirm that I did not authorize these inquiries or apply for credit with the creditors above on the date specified.

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 2024-07-29 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: CT

Complaint narrative:
Please delete all fraudulent accounts and hard inquiries of my credit file from XXXX, Equifax, XXXX XXXX immediately. 
XXXX XXXX XXXX XX/XX/XXXX {$510.00} XXXX XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XXXX XX/XX/XXXX {$2400.00} XXXXXXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 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 am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, 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 non-monetary relief
Consumer complaint received 2024-07-29 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: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three  Bureaus, XXXX, Experian, 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 2024-07-29 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: FL

Complaint narrative:
I am writing to dispute this hard inquiry on my Experian credit report. Upon reviewing my report, I noticed that this inquiry is inaccurate and unauthorized. Below are the details of this disputed inquiry : XXXX Inquiry date XX/XX/year> I have thoroughly reviewed my records and can confirm that I did not authorize this hard inquiry or applied for credit with the creditor above on the date specified.

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 2024-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have been a user of Capital One for years. Always pay on time. 
I opened a dispute for case XXXX on XX/XX/year>. 
I informed card company I had still not recieved my purchase from over seas. 
I offered all proof of communication the very day I applied and was told no. 
I called end of XXXX to request to send documents to assist with case. I was told no. They will have record of my call. 
XX/XX/XXXX I recieved a request for supporting documents due by XX/XX/XXXX. 
I called back because my links were not working the times I attempted. They will have record of my calls. 
I submitted documents. 
On XX/XX/XXXX, I recieved notice they closed my case. I call to inquire how when I was submitting evidence. 
I was told they needed more. 
I was NEVER contacted and asked for more evidence! Due to the size restrictions of the company. Users are forced to select what they are sending. 
I call and ask for the link again! They say no worries. 
When I attempt to upload documents the link does not work. 
I call and request new link. 
Size is over limit! 
I call and request faxing information. I am to the poinXXXX I will fax and mail in hard copies. 
I fax in 45 pages XX/XX/XXXX! 
Mind you! I SPEAK with multiple dispute agents on my case that day. 
Nothing was wrong Later that evening I received a letter they closed the case. 
I call and ask for supervisor XX/XX/XXXX. I explain I have been in touch almost weekly since dispute started! Either call or email or chat. 
He says dont worry about the fact its past date. Later the story changes that they wont help. 
I said why cant you reopen/appeal the dispute. He said no we dont do that. 

I have sent them everything I have. I have sent them corispondense of my attempts to work with the seller. I sent them the verdict of the midiation stating I won! Through the selling company. I sent them a copy of the fact the seller refuses to comply while they wait for charge back verdict. I sent them images of the broken products. 

I let them know this needed handled or I was going to report it to CFPB. They dont care.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the 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 2024-07-29 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: GA

Complaint narrative:
I have previously disputed with XXXX, Experian and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2024-07-29 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: COMMERCE BANK
State: CO

Complaint narrative:
Got a mail saying that I was pre-approved for Commerce Bank credit card. So I went and put in my information to see what offer they were giving me. After submitting, it said they needed more time to review my application and they would let me know their decision by mail. I noticed a hard inquiry from this bank. It never mentioned they were going to pull my credit and me guessing since I was pre-approved. There was going to be an offer on the table and It would give me the option to accept or decline it. Like other credit cars that I have been pre-approved on.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-07-29 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: IL

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: TX

Complaint narrative:
In XX/XX/XXXX I defaulted on my car loan with XXXX. My payment for XXXX XXXX XXXX is {$630.00}. In XX/XX/XXXX I contacted XXXX and was given an arrangement to place my account back on track. I agreed to pay {$1800.00} to bring it current and resume my monthly payments of {$630.00} on XX/XX/XXXX. I made both XXXX and XXXX payments. In XX/XX/XXXX, I attempted to make my payment over the phone but the office was closed. Considering the delicate nature of the account and the prior issues, i decided not to process my payment using the automated system. i called the next day to process my payment with a live agent. The agent stated my original arrangement had defaulted because i was one day late on the payment. The agent stated I would have to pay {$1200.00} that day and my car was placed into repossession status. I asked for the delinquent balance and was told it was {$3500.00}. It was explained that balance was retroactive from the XX/XX/XXXX balance. Additionally, XXXX has placed my account in a charge off status although i am actively paying on it. This derogatory status has caused unfavorable decisions from otherwise promising credit opportunities.

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 2024-07-29 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: TX

Complaint narrative:
In XX/XX/XXXX I defaulted on my car loan with XXXX. My payment for XXXX XXXX XXXX is {$630.00}. In XX/XX/XXXX I contacted XXXX and was given an arrangement to place my account back on track. I agreed to pay {$1800.00} to bring it current and resume my monthly payments of {$630.00} on XX/XX/XXXX. I made both XXXX and XXXX payments. In XX/XX/XXXX, I attempted to make my payment over the phone but the office was closed. Considering the delicate nature of the account and the prior issues, i decided not to process my payment using the automated system. i called the next day to process my payment with a live agent. The agent stated my original arrangement had defaulted because i was one day late on the payment. The agent stated I would have to pay {$1200.00} that day and my car was placed into repossession status. I asked for the delinquent balance and was told it was {$3500.00}. It was explained that balance was retroactive from the XX/XX/XXXX balance. Additionally, XXXX has placed my account in a charge off status although i am actively paying on it. This derogatory status has caused unfavorable decisions from otherwise promising credit opportunities.

Company response to consumer: Closed with non-monetary relief