vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-18 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: GA

Complaint narrative:
I am writing to dispute the presence of an incorrect address on my TransUnion credit report. The address listed as XXXX XXXX XXXX XXXX, XXXX, GA XXXX, is not mine, and I have never resided at or had any affiliation with this location. The inclusion of this inaccurate address is a violation of the Fair Credit Reporting Act ( FCRA ), specifically under Section 611 ( 15 U.S. Code 1681i ), which mandates that credit reporting agencies must ensure the accuracy of the information they report. The presence of this incorrect address could potentially expose me to identity theft risks and other forms of financial harm. I request that TransUnion immediately investigate this matter and remove the incorrect address from my credit report. Please confirm that this erroneous information has been permanently deleted from my file. Thank you for your prompt attention to this matter.

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 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
To Whom It May Concern, This is a formal letter to dispute obtain personal information appearing on my credit report maintained by your bureau. Upon reviewing my credit report, I noticed discrepancies in the personal information section, which I believe is inactive. 
Below is the personal information that needs to be reviewed and potentially removed or corrected from my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 U.S.C. 1681 ( e ) ( b ) section 602 states I have the right to privacy ( 15 U.S.C. 1681 ( section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 U.S.C.S 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose By the provisions of the Fair Credit Report Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C.Sec 1681 ( a ) you must complete the re -investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the listed address. According to the act, there shall be no charge for this updated report. I also request that up please send notices of corrections to anyone who received my credit report in the past 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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: MS

Complaint narrative:
Ive been working on this for 4 months going on 5 back to back.. Ive sent letters to bureaus for months and nothing has happened, Im struggling and get anything in my name Im being denied for everything. If actions are not taken immediately Im going to sue for every violation.

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 2024-08-18 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: NJ

Complaint narrative:
I want to remove these inquiries from my report becauce I don't know 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 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This account was charged off on the following date ( MONTH, YEAR OF FIRST CHARGE OFF ) Since then the account has repeatedly been updated as charged off every month. 
This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am deranding a deletion of the following account : Accounts Name : XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX ) Accounts Name : XXXX XXXX XXXX XXXX Account Number : XXXX & XXXX ( XXXX ) Accounts Name : XXXX XXXX XXXX XXXX Account Number : XXXX ( Experian )

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 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX, " We received a copy of your identity theft report and notification that you are a victim of identity theft. However, we were unable to honor your request because you did not provide proof of your identity. In the meantime, a request to verify the accuracy of this information has been sent to the furnisher of the data. 

According to the Fair Credit Reporting Act, a request to block information resulting from identity theft must include appropriate proof of the identity of the consumer. 

Please confirm your identity by sending us the following : One copy of a government issued identification card, such as a drivers license, state ID card, etc., and One copy of a utility bill, bank or insurance statement to verify your address Please also include the following identification information : Your full name including middle initial ( and generation - JR, SR, II, III ) Social Security number Date of birth Complete addresses for the past two years Make sure that each copy is legible and displays your name and current mailing address and the date of issue. 

To protect your personal information, XXXX does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. You may also submit your request or documents supporting your claim electronically at experian.com/upload. 

" To view your rights, visit XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to dispute an error on my credit report. The TRANSUNION the agency XXXX XXXX XXXX, put me in collection that reflects on my XXXX credit report, stating that I owe them {$110000.00}. I contacted them but they dont want to give me info whether this amount is from an credit card or a loan. They insist that I have to pay them. I let them know I have proof that I was a victim of identity theft .But they refused to accept any proof, they keep insisting that I have to pay them. Im requesting to get the collection removed from my account. Im attaching, a copy of the police report of identity theft, residential, I live at the same address XXXX agreement, account services /XXXX a proof of residency. My problem started when I purchased a home located in XXXX XXXX XXXX, XXXX, CA XXXX. I never lived in this address, as soon as I purchased it I put on rent starting XXXX of XXXX. I dont know when someone used my name to open an account with several banks are taking out long and credit cars, in almost all banks they took out credit using my name fraudulent, his collection agency is harassing me for a debt I never bought and that was opened fraudulently. Please help me. My credit is destroyed by identity theft. I never took out a loan let alone applied for a card. They need to verify the signatures. The face of the person. I never signed for a loan.

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 2024-08-18 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: GA

Complaint narrative:
I am writing to dispute the presence of an incorrect address on my TransUnion credit report. The address listed as XXXX XXXX XXXX XXXX, XXXX, GA XXXX, is not mine, and I have never resided at or had any affiliation with this location.The inclusion of this inaccurate address violates the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S. Code 1681i ), which mandates that credit reporting agencies ensure the accuracy of the information they report. The presence of this incorrect address could potentially expose me to identity theft risks and other forms of financial harm. I request that TransUnion immediately investigate this matter and remove the incorrect address from my credit report. Please confirm that this erroneous information has been permanently deleted from my file. Thank you for your prompt attention to this matter.

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 2024-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: FB FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/XXXX I received a notice that my payment would increase from {$1100.00} to {$1200.00} due to escrow shortage. On XX/XX/XXXX pmt of {$1200.00} was sent by my bank through auto bill process. I made the change to the correct amount but failed to press the button for that amount to continue. OnXXXX my bank sent a payment of {$1100.00}. On XX/XX/XXXX I was notified by mortgage company of shortage of {$93.00} which was sent on XX/XX/XXXX. On XX/XX/XXXX payment of {$1200.00} was sent. On XX/XX/XXXX received a Statement showing no transactions for period and that my payment of {$1200.00} is in arrears. I believe this amount has combined the {$1200.00} plus the {$93.00} I sent on XX/XX/XXXX which an incorrect amount. Letter sent to me regarding late payments by Loss Mitigation Department indicating past due amount of {$1400.00} along with information about how to avoid foreclosure. On XX/XX/XXXX I called XXXX XXXX and the robot informed me that I am past due by {$1400.00}. Spoke to agent XXXX and was told that he didnt see any past due amount and no record of reporting to credit reporting agencies. This phone call was three way including XXXX from my bank acknowledging that all payments had been sent by them with no lapses. I had been informed by my bank that my XXXX score had dropped by XXXX points. XXXX transferred me to XXXX who said the past due was in error and she would escalate it to be corrected and it would take four days but no notice would be sent to me by them regarding that fix. On XX/XX/XXXX I received a letter from them in response to my inquiry as to the owner of our loan. After sending payments to them for years and spending countless hours on the phone I was well aware of who the mortgage company is. On XX/XX/XXXX I called again to see if problem has been resolved. It wasnt. Spoke to XXXX at XXXX MT and after researching she said she found what was causing the problem and would escalate it to be fixed. Again. She said it would take five days for payments to be fixed and 30 days to notify credit reporting agencies. On XX/XX/XXXX ( 9days later ) I received a statement showing {$1200.00} as past due and current payment of {$1200.00} for a total due of {$2400.00}. On XX/XX/XXXX a letter was sent to me outlining my legal rights to avoid foreclosure Under the SCRA. I have spent too many hours and placed too many phone calls without any success. It is my hope that this complaint will make that happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have had multiple CitiBank credit cards for many years. One day I logged into my account and saw that all my accounts had been closed. No reason was give, and when I called into the customer service they were just as unhelpful, as they had no idea of why it had happened. A few days later I received a letter stating that all my accounts had been closed and for more information I should email/fax/mail requesting more info. I sent an email and fax but have not gotten any response. My credit cards were all in good standing and paid each month in full. Now I'll have to spend an endless amount of time trying to get my bills paid in timely order and much heartache. 

When I asked about the rewards the representative advised me that my rewards were forfeited due to the closure of my account. No rhyme, reason, or explanation, just a harmful and reckless theft of rewards that were based on valid purchases during the year So, I have a house full of kids and the XXXX points I was planning on using to take my family on vacation this summer on has evaporated. Its yet another example of a financial company that coldly, unsympathetically, and egregiously takes from those most vulnerable when they want to.

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 2024-08-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: FL

Complaint narrative:
In XX/XX/year>, I received a written communication from I.Q. Data International regarding a payment of {$10000.00} owed to XXXX XXXX  ( FL ). I contacted I.Q. Data International via phone several days after receiving the letter to notify them that this is the result of identity theft. I was instructed to provide a police report showing this as an open case, but I have not been able to contact the detective assigned to a previous case of identity theft involving my personal information in order to add this information to the open case. I have an open case with the City of XXXX XXXX Police Dept ( XXXX XXXX, Florida ) where we are attempting to pursue the individuals causing these issues. The XXXX has informed me that they have discovered an identical photocopy of my FL Drivers ' License. 

Attached to this complaint are the following : 1. Letter from I.Q. Data International describing the delinquent account at XXXX XXXX  ( FL ). 
2. XXXX XXXX Police Dept report XXXX ( open case regarding identity theft associated with my Driver 's License ). 
3. Letter from Florida Dept of Highway Safety and Motor Vehicles notifying me that a fraudulent copy of my Drivers ' License has been discovered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-18 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: CITIBANK, N.A.
State: SC

Complaint narrative:
A company listed as CITI CARDS CBNA pulled my credit on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, according to my XXXX report dated XX/XX/XXXX. I have attempted to get XXXX to remove these hard pulls in the past and they have not done so. XXXX 's automated system also keeps providing system errors so nothing can be done online. The number for CITI that I called states they are a XXXX XXXX XXXX and the answering service puts you in a loop that keeps asking about your age and if you want to apply for a XXXX XXXX bracelet - I called them on XX/XX/XXXX. My account was supposed to be frozen but I am seeing hard pulls that should not be on my report. Location : XXXX XXXX XXXX XXXX, SD 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 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  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 has violated my rights. 

I looked at my Transunion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I would like to bring to your attention that the Bankruptcy Court does not associate with any creditors or inform them of any information regarding consumer reports. Therefore, the information being reported is incorrect and should be removed from my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable. I have attached the following documentation to support my claim that this bankruptcy notation is erroneous :

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 2024-08-18 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: TX

Complaint narrative:
I am writing to formally request the removal of unauthorized hard inquiries from my credit report. 
After reviewing my credit report, I noticed several hard inquiries that I do not recognize and did not authorize. These inquiries are negatively impacting my credit score and are a matter of great concern.

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may furnish a consumer report under specific circumstances, such as in response to a court order or with the consumers written permission. As I did not provide authorization for these inquiries, they are in violation of the FCRA. 
The unauthorized hard inquiries I am disputing and requesting to have removed are as follows : 1. XXXX XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX XXXX - XX/XX/XXXX 3. XXXX - XX/XX/XXXX 4. XXXX XXXX XXXX -XX/XX/XXXX 5. XXXX XXXX - XX/XX/XXXX 6. XXXX XXXX VIA DEALER ( FINANCE ) - XX/XX/XXXX 7. XXXX XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX XXXX - XX/XX/XXXX 9. XXXX XXXX VIA DEALER ( FINANCE ) - XX/XX/XXXX 10. XXXX XXXX VIA DEALER ( FINANCE ) - XX/XX/XXXX 11. XXXX XXXX ( FINANCE ) - XX/XX/XXXX 12. XXXX XXXX XXXX - XX/XX/XXXX 13. XXXX XXXX XXXX - XX/XX/XXXX I request that you investigate these inquiries and provide written confirmation that they have been removed from my credit report. Additionally, please send me an updated copy of my credit report reflecting these changes. 
Enclosed with this letter, you will find copies of my identification and a copy of my credit report with the disputed inquiries highlighted for your reference. 
Thank you for your prompt attention to this matter. Please contact me if you require any further information or documentation. 
Sincerely

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 2024-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I reviewed my credit report an have fraudulent accounts that hurting my ability to obtain credit. Can you please remove these 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 non-monetary relief