vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-01 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:
Dear [ Credit Bureau ], I am writing to formally dispute the accuracy of certain inquiries listed on my credit report. Upon reviewing the document, I discovered several unauthorized and potentially inaccurate inquiries that I have not initiated nor provided authorization for. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request an investigation into these discrepancies and to have them rectified accordingly. 

Below, I have outlined the details of the disputed inquiry : Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year> I have no recollection of initiating any transaction or applying for credit with XXXX XXXX XXXX XXXX. Therefore, I am concerned about the accuracy and legitimacy of this inquiry. Given that I did not provide authorization for this inquiry, I am questioning its validity and authenticity. 

As per the FCRA, I understand that it is your responsibility to conduct a thorough investigation into this matter. I urge you to verify the legitimacy of the inquiry with the respective creditor and provide me with verifiable proof of your findings and actions taken. It is imperative that this investigation is completed within a reasonable timeframe, as mandated by law. 
Furthermore, I would like to emphasize the importance of adhering to the FCRA 's requirement for consumer reporting agencies to ensure the maximum possible accuracy of the information contained within consumer reports. Any inaccuracies or discrepancies can have significant repercussions on my financial standing and creditworthiness. 
In light of the above, I request that you promptly remove the disputed inquiry from my credit report if it can not be verified or if it is found to be inaccurate. 
Thank you for your attention to this matter. I trust that you will handle this dispute with the utmost diligence and professionalism.

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 2024-05-01 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year>, XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-05-01 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year>, XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Security Credit Services, LLC
State: SD

Complaint narrative:
I have attempted to contact Security Credit Services to pay the full balance owed on the account ( Original Creditor / Account # : XXXX XXXX, XXXX / account # XXXX Current Account Owner / Account # : Security Credit Services , LLC / account # XXXX ) and the representative stopped responding after I stated I wanted to pay the balance on the account. I then tried calling back several more times and have been hung up on repeatedly by what I assume is the same representative. In total I contact SCS 7 times to make a payment on the balance and they refuse to take my payment. This is predatory, abusive, and deceptive behavior by Security Credit Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: CT

Complaint narrative:
I recently checked my credit report and I see some incorrect information that is affecting my credit report and my ability to obtain credit at the moment, can you please investigate this account? 
account- XXXX  account number- XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: CT

Complaint narrative:
I recently checked my credit report and I see some incorrect information that is affecting my credit report and my ability to obtain credit at the moment, can you please investigate this account? 
account- XXXX  account number- 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 2024-05-01 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:
[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, Zip Code ] Dear Sir/Madam, I am writing to formally dispute the accuracy of certain inquiries listed on my credit report. Upon reviewing the document, I discovered several unauthorized and potentially inaccurate inquiries that I have not initiated nor provided authorization for. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request an investigation into these discrepancies and to have them rectified accordingly. 

Below, I have outlined the details of the disputed inquiry : Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2024 I have no recollection of initiating any transaction or applying for credit with XXXX XXXXXXXX. Therefore, I am concerned about the accuracy and legitimacy of this inquiry. Given that I did not provide authorization for this inquiry, I am questioning its validity and authenticity. 
As per the FCRA, I understand that it is your responsibility to conduct a thorough investigation into this matter. I urge you to verify the legitimacy of the inquiry with the respective creditor and provide me with verifiable proof of your findings and actions taken. It is imperative that this investigation is completed within a reasonable timeframe, as mandated by law. 
Furthermore, I would like to emphasize the importance of adhering to the FCRA 's requirement for consumer reporting agencies to ensure the maximum possible accuracy of the information contained within consumer reports. Any inaccuracies or discrepancies can have significant repercussions on my financial standing and creditworthiness. 
In light of the above, I request that you promptly remove the disputed inquiry from my credit report if it can not be verified or if it is found to be inaccurate. 
Thank you for your attention to this matter. I trust that you will handle this dispute with the utmost diligence and professionalism.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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:
[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, Zip Code ] Dear Sir/Madam, I am writing to formally dispute the accuracy of certain inquiries listed on my credit report. Upon reviewing the document, I discovered several unauthorized and potentially inaccurate inquiries that I have not initiated nor provided authorization for. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request an investigation into these discrepancies and to have them rectified accordingly. 

Below, I have outlined the details of the disputed inquiry : Creditor Name : XXXX XXXX Inquiry Date : XX/XX/year> I have no recollection of initiating any transaction or applying for credit with XXXX  XXXX. Therefore, I am concerned about the accuracy and legitimacy of this inquiry. Given that I did not provide authorization for this inquiry, I am questioning its validity and authenticity. 
As per the FCRA, I understand that it is your responsibility to conduct a thorough investigation into this matter. I urge you to verify the legitimacy of the inquiry with the respective creditor and provide me with verifiable proof of your findings and actions taken. It is imperative that this investigation is completed within a reasonable timeframe, as mandated by law. 
Furthermore, I would like to emphasize the importance of adhering to the FCRA 's requirement for consumer reporting agencies to ensure the maximum possible accuracy of the information contained within consumer reports. Any inaccuracies or discrepancies can have significant repercussions on my financial standing and creditworthiness. 
In light of the above, I request that you promptly remove the disputed inquiry from my credit report if it can not be verified or if it is found to be inaccurate. 
Thank you for your attention to this matter. I trust that you will handle this dispute with the utmost diligence and professionalism.

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 2024-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: IL

Complaint narrative:
I have requested payment history twice dating back to late XXXX. Both times I was told it takes 30 days ( which is ridiculous ) but I have still not received any details. I have to provide this information to my employer to get reimbursed and I am not suffering monetary damages because MOHELA will not provide this information to me. 

I just want the payment history as requested. It's unbelievable how difficult it is to get the most basic information from Mohela. I have to file a complaint literally every time I make a request for them to take it seriously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Absolute Recovery Services, LLC
State: TN

Complaint narrative:
I looked at my XXXX report on XX/XX/XXXX and still noticed XXXX is reporting incorrect information. I sent my letter XX/XX/XXXX to remove this collection. The amount is inaccurate & I would like this removed from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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 was reviewing my consumer report and noticed hard some inquiries that do not belong to 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 2024-05-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I had three CDs with VyStar Credit Union. One was a 60-month CD with maturity date XX/XX/XXXX. The other two were each a 12-month CD, each with maturity date of XX/XX/XXXX. I have not received any notice from VyStar prior to their maturity. When I reviewed my accounts, my 60-month CD already rolled over into another 60 month CD and it was too late for me change this according to what would have been my my preference. When I inquired about the notice, an agent XXXX in the local branch office told me the notice probably got lost in the mail. The I watched for notices about my two CDs maturing in XXXX. I never received any. Moreover, my account on the VyStar website showed them both as 60-month CDs maturing in XXXX. I withdrew money from both. Yesterday, XX/XX/XXXX, I spoke to the XXXX  Manager of VyStar, XXXX XXXX XXXX. He insisted that it is not VyStar responsibility to send me a notice about the maturity of my CD, but my responsibility to watch for the maturity date.

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 2024-05-01 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: DISCOVER BANK
State: TX

Complaint narrative:
We have a dispute with Discover Credit Card regarding a merchant, XXXX XXXX Home Services. We contracted with XXXX to repair our oven. The amount of the charge is {$710.00}. 

On XX/XX/XXXX, we had a repairman from XXXX out to inspect our oven and diagnose the problem we were having, with the oven. The tech said that it required a new main control board. We agreed to proceed with the repair. The part was ordered and both the labor and parts charge was prepaid On XX/XX/XXXX the tech installed the new control board. The next day, when we turned the oven on, it had the same problem. We immediately notified XXXX. After several phone calls and many hours of discussions XXXX sent out second technician on XXXX XXXX tech stated that the first tech mis-diagnosed the problem, that it required a new part, that would cost several more hundreds of dollars, plus labor, to be paid upfront before they would do any more work. We declined paying any more money and contacted Discover to dispute the {$710.00} charge. 

Discover is declining to back charge XXXX. Discover 's explanation s that XXXX did the work. We agree that XXXX did install a new control board. However, it DID NOT fix the problem. 

XXXX 's invoice for this repair included a guarantee that is not being honored by either Discover and the merchant XXXX Home Services. 

We have tons of documentation to back up our side of this dispute And Discover already has most of our documents in their file. 

We appreciate any help you can provide to help us with this dispute. 

Thank you, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I lost my phone in a bar in XXXX XXXX. My Phone was lost for about 24-48 hours. I filed a police report stating these facts and the phone was recovered and in my position on XX/XX/XXXX when I received my phone back I realized that fraudulent payments had been sent to a random person through my XXXX XXXX and Cash App applications on my phone I tried to report these fraudulent charges to each app and instead of assisting me in recovering over XXXX dollars in stolen funds they closed my account. I then disputed this charges with my bank XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. After a month they explained to me that they were unable to dispute because XXXX XXXX and Cash App would not allow them too. I then reached out to both companies demanding in events they had that the police report and my claims were false and did not share any documentation. I need assistant in recovering the money stolen from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: NJ

Complaint narrative:
Thank you for your prompt response regarding my complaint concerning inaccuracies on my credit file. However, after reviewing the results of Equifax 's investigation, I must express my dissatisfaction with the outcome. 

Despite my assertion of inaccuracies, the investigation appears to have resulted in minimal action, with the disputed items still not reflecting the necessary corrections on my Equifax credit file. This correspondence serves as a request for a reinvestigation into the matter, as the initial investigation failed to provide a satisfactory resolution. 

Additionally, I must highlight that due to the discrepancies on my credit file, I have placed a fraud lock on my account to prevent any further unauthorized activities. This underscores the urgency and importance of resolving these issues promptly. 

Furthermore, the explanation provided regarding inquiries does not sufficiently address my concerns. While I understand the necessity of inquiries under the Fair Credit Reporting Act, I believe there may have been unauthorized inquiries that warrant further investigation. 

I urge you to revisit this matter and conduct a more thorough examination of the discrepancies on my credit file. It is essential to ensure the accuracy and integrity of my credit report, as it directly impacts my financial well-being. 

I kindly request your assistance in resolving this matter promptly. Please provide guidance on the next steps to escalate my concerns and achieve a satisfactory resolution. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MO

Complaint narrative:
I have requested in writing multiple times debt validation after two collections appeared on my credit report from a company I have never done business with and have no responsibility to. They have not provided any of this information and my credit score dropped over XXXX points because of these accounts. I am now not able to purchase the house I was approved for before these fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 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: VA

Complaint narrative:
Transunion reports a FRAUD information in my credit report. I requested dispute several times but they ignore. I received a letter from the Court that TRANSUNION did not contact them about my case. It is a Violation of Law. This information is FRAUD and Identity Theft. Must be removed. 

ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXX I HAVE NEVER LIVED AT THIS ADDRESS NAME : XXXX XXXX XXXX XXXX IT IS NOT MY NAME ACCOUNT : XXXX  XXXX bankruptcy discharged- I HAVE NEVER FILED BANKRUPTCY

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