vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-09 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: GA

Complaint narrative:
Subject : Credit Report Discrepancies and Fraudulent Activity I am writing to formally dispute several inaccuracies on my credit report that require immediate attention and resolution. 

Recently, I have identified multiple items on my credit report that are erroneous and do not pertain to my financial history. These discrepancies have arisen due to fraudulent activities where my personal information was compromised. Attached to this correspondence are documents substantiating my claims, including police reports and official letters from the Georgia Bureau of Investigation confirming my status as a victim of identity theft and data breaches. As a result, the items listed below should not be associated with my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Supporting deletion letter attached ) - XXXX XXXX XXXX Based on the supporting documentation provided, I request that these erroneous entries be promptly deleted from my credit file. 

I appreciate your immediate attention to this matter and look forward to a swift resolution. Please inform me of the steps being taken to investigate and correct these discrepancies as per the Fair Credit Reporting Act. 

Thank you for your prompt assistance. 

Sincerely, 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 2024-07-09 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: GA

Complaint narrative:
Subject : Credit Report Discrepancies and Fraudulent Activity I am writing to formally dispute several inaccuracies on my credit report that require immediate attention and resolution. 

Recently, I have identified multiple items on my credit report that are erroneous and do not pertain to my financial history. These discrepancies have arisen due to fraudulent activities where my personal information was compromised. Attached to this correspondence are documents substantiating my claims, including police reports and official letters from the Georgia Bureau of Investigation confirming my status as a victim of identity theft and data breaches. As a result, the items listed below should not be associated with my credit report : - XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Supporting deletion letter attached ) - XXXX XXXX XXXX Based on the supporting documentation provided, I request that these erroneous entries be promptly deleted from my credit file. 

I appreciate your immediate attention to this matter and look forward to a swift resolution. Please inform me of the steps being taken to investigate and correct these discrepancies as per the Fair Credit Reporting Act. 

Thank you for your prompt assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: NC

Complaint narrative:
XX/XX/XXXX To Whom It May Concern : It has come to my attention, after reviewing my online credit bureau report with XXXX, Transunion and XXXX, I immediately noticed unauthorized inquiries and credit accounts on my report. 
I also have noticed that my credit profile has become unlocked, without my permission. 

According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed! 

This is an immediate request for an update to remove all unverified and unauthorized inquiries and accounts from my credit report and ensure that your systems maintain the correct information. 

Please see all included documentation that lists my current and updated address, that I have lived for the past 15 years. Please remove any other address your system may have found. 




Unauthorized Credit Accounts to be Removed IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX - Amount : {$200.00} Incorrect Addresses to be Corrected IMMEDIATELY : FROM : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, NC XXXX Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing.

Once the inaccurate information has been removed and/or corrected, you are required to MAIL AN UPDATED credit report to my home address within 30 days of resolution.

I look forward to hearing from you soon. 

Sincerely, XXXX XXXX EMAIL : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC 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 2024-07-09 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: MS

Complaint narrative:
PLEASE BLOCKED AND REMOVED 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.

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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.

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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.

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 2024-07-09 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: GA

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: NJ

Complaint narrative:
Transunion, XXXX and XXXX are reporting the wrong loan amount for XXXX XXXX loans. They are reporting {$15000.00} when XXXX keeps sending me statements advising that the loan amount is {$11000.00}.

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 2024-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: ME

Complaint narrative:
i have XXXX charges that were pulled from my bank ( XXXX XXXXXXXX XXXX ) for {$240.00} total XXXX. {$110.00} and XXXX. {$120.00} and XXXX {$0.00} i called my bank and told them what i saw and they said they could dispute it, after a couple days later i went to check on it and they said oh did noone call you, i said no, they said well because its considdered as a transaction we cant dispute it u will need to go though XXXX, so i called XXXX i told them about it, and they said ok we will open a dispute case, today i got the dispute case closed as it was ( authorized by me ) i call them back explained to them that again it wasnt me and need to speak with somone higher up as in a manager and so they took 23 min to transfer me to a manager just to say the same thing and then he hung up on me as he said there was nothing else he can do i called back, i aksed for manager again i get someone and they said beause it was authorized and already had a dispute case open and closed we cant reopen it! and proceded to hang up! on me im furious with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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. Please remove the following items from my credit report, immediately : 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

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 2024-07-09 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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. Please remove the following items from my credit report, immediately : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
This private student loan was purchase from my original lender, XXXX XXXX, by Firstmark Services. I have XXXX issues : 1. I should have 12 months of forbearance, of which I'm on my XXXX months. They say I have 12 months available, but can only account for 10 months used. When I ask why I can't access the other 2 months, they say I must have already used them, but have XXXX record of this. I know I have not used those 2 months. They say they can not access those records from XXXX XXXX... if this is the case, how do I know they have accurate information regarding my loan at all? 

2. These loans were obtained to attend the XXXX XXXXXXXX XXXX XXXXXXXX, which has since been deemed a fraudulent school. My federal loans have since been forgiven due to the DOE Borrow Defense to Repayment application being granted. I believe the same rule applies due to the FTC 's " Holder Rule ''. 

I've reached out to Firstmark there response was first that they could not find my records on file and then " We regret to inform you that your loans are private loans and your lender does not offer forgiveness due to school misconduct. '' They did not offer any further support, advocacy, XXXX XXXX XXXX, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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:
Upon checking my credit report on XX/XX/XXXX, I realized i have several unauthorized inquires on my Experian report. This is a violation of the privacy act 1974, also violates FCRA 15 USC 1681 B.

This also constitutes as identity theft being that i never gave any corporation my consent to check my credit or pull any information regarding my estate. 

I have notified the FTC an attached a copy of my report 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 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

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 2024-07-09 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: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXXXXXX XXXX Date of Inquiry XX/XX/year>XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of XXXX XX/XX/year> XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX  Date of Inquiry XX/XX/year>XXXX XXXX XXXX Date of Inquiry XX/XX/year> & XXXX XXXX Date of Inquiry XX/XX/year>

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 2024-07-09 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: AR

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX Account XXXX : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I received an Amex XXXX XXXX. This includes an email You have received an American Express XXXX XXXX from XXXX. And on there I clicked the link to validate and print the card, which loads on https : //balance.amexgiftcard.com/ # /account and shows a balance. I attempt to use this on XXXX ( using {$1.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. Many people have reported having this problem starting this past year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I have recently been contacted by the XXXX agency regarding an outstanding debt in the amount of {$XXXX}. After thorough investigation and verification, I can confirm that this debt has already been paid in full and therefore, I do not owe any additional payment. 

Upon receiving this notification, I immediately called the XXXX agency on XX/XX/year> to dispute the validity of the debt. This call was recorded for quality and training purposes. During the call, I informed them of this paid debt and requested that they cease and desist any further attempts to collect the disputed amount. 

I kindly request that the XXXX agency acknowledge the resolution of this matter and update their records accordingly. I also asked they provide confirmation in writing that the debt has been cleared and that there will be no further collection efforts made against me.

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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2024-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FLORIDA HOME TRUST MORTGAGE

Complaint narrative:
My Credit card was blocked for a security alert. I call the bank, I cancelled my card and ordered a new card. After my blocked credit card was charged several times, the bank don't know why. Amounts remain in my credit card balance. I called the company received pays and they ask the ARN number ( they said it mus provide by bank ) I ask my bank for ARN number for any of transactions but they don't send the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: SC

Complaint narrative:
On XX/XX/2024 @ XXXX XXXX  I paid my credit card bill using the first digital app. The amount was {$41.00}. On XX/XX/XXXX I received a late fee of {$41.00}. I contacted the credit card company to inquire about the late fee as I had proof that I.pais my bill on the due date. Per the reps I received a late fee because my payment was not paid by XXXX central time. I explained to the reps that I am eastern time we are in different time zones. Rep did not want to remove the late. Spoke with a supervisor who refused to remove the late fee as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
On XX/XX/XXXX, XXXX had taken XXXX out of my account for a subscription that I attempted to cancel beforehand. I then contacted citizens bank because XXXX typically refuses refunds ( XXXX admit, I didnt ask for a refund on this particular purchase. I went by past experiences ). Citizens did refund me that money but then, today ( XX/XX/XXXX ) they suddenly took said XXXX back. I check my XXXX XXXX and that subscription is still canceled ( it was a yearly XXXX ; and XXXX not saying I wanted the subscription but I XXXX that if they took their money back, they wouldve given me the subscription back ) which means that XXXX being charged and not offered a service whatsoever. I just want my XXXX back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cohen & Cohen Law, LLC
State: NY

Complaint narrative:
My XXXX savings account was froze without me getting details of what caused this. This account contains social security payments. I was told they could they could seize them anyway.

Company response to consumer: Closed with explanation