vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-07 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: TX

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-08-07 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: CA

Complaint narrative:
transunion you sent me a copy of my consumer report on XX/XX/year> stateing that these collection accounts were verified??? 



In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611 provide the names and business addresses of each individual with whom you verified the information so i can follow up. Please send me an updates copy of my credit report after your reinvestigation

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 2024-08-07 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: IL

Complaint narrative:
Hi I spoke with TransUnion, XXXX also XXXX credit bureau and ask to remove any hard inquiries from my credit report along with any false information that wasnt authorized by me and they stated I needed to get a report from the ftc and then theyll remove those items requested

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 2024-08-07 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I filed a dispute against merchant XXXX for billing me in the amount of {$39.00} from XX/XX/XXXX through XX/XX/XXXX without my consent or knowledge. I have been refunded for the monthly charges from XX/XX/XXXX through XX/XX/XXXX. However, Im still pending refunds for the monthly charges from XX/XX/XXXX to XX/XX/XXXX. I have reached out to the merchant directly which declines to offer me any information or proof that I signed up for their monthly service, hence why I disputed it with Citibank, the company I have my credit card with that was billed for these transactions. I filed this dispute in XXXX XXXX XXXX. I had called in XXXX and XXXX of XXXX and was told it would take an additional XXXX billing cycles to resolve. I called Citibank back today, XX/XX/XXXX, to follow up on the status and was once again told it would take XXXX billing cycles from today 's date. Im writing this complaint since it is now XXXX months since I filed this dispute and Citibank does not appear to be making any progress.

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 monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Alorica Inc.
State: TX

Complaint narrative:
I first noticed a strange company taking withdrawls from my bank account, a company I had never heard of before. I immediately contacted my bank and stopped all payments to this company. I have written letters to this company, Servicing Systems Technologies INC, and asked for validation of this debt and a contract and they have not provided me with this information. I have never signed any sort of contract with this company nor have I ever done business with them. They continue to send me letters in the mail to pay this debt and send emails to me with very little information, only stating I need to make a payment. The link to view 'my account ' isn't even to this companies website and requires I use my social security number to log in. Everything about this company seems fraudulent. There are now 4 items on my credit report from this company. My credit report says I have 2 closed accounts with them and 2 opened accounts. One of the accounts reflects late payment and the other does not.

My desire is for this company to immediately delete these allegations from my credit report and cease all communication with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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: LEXISNEXIS
State: FL

Complaint narrative:
XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ATTENTION DISPUTE DEPARTMENT XXXX  DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX  XXXX closer look, this was due to inaccurate information on credit report ; mine. My XXXX  id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX and XXXX  credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX XXXX  days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal account opened at XXXX XXXX around XX/XX/XXXX account number XXXX  XXXX, an XXXX  loan at XXXX XXXX XXXX around XX/XX/XXXX account number XXXX  XXXX and XXXX  loan at XXXX XXXX XXXX XXXX around XX/XX/XXXX account number XXXX  XXXX, and a Chapt XXXX Bankruptcy around XX/XX/XXXX account number XXXX. These accounts have resulted in several fraudulent hard inquiries such as XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports all collection activity related to said items cease pursuant to FCRA and FDCPA laws. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of XXXX Identity Theft Criminal Complaint XXXX  XXXX as proof from the XXXX XXXX XXXX XXXX that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 non-monetary relief
Consumer complaint received 2024-08-07 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: PA

Complaint narrative:
Credit score dropped XXXX points because my credit card company evaluated me and raised my credit limit {$200.00} dollars. This action was not mine, they did it themselves and only Transunion dropped.

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 2024-08-07 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 recently reviewed my credit report and noticed an account with inaccurate information. XXXX  payments that were made on time are not being reported accurately. The consumer reporting agency is required to report all information accurately. This account has never had late payments. 

I have attached a copy of my report to this complaint. I am requesting an investigation and verifiable proof showing records of any late payments. If this information can not be verified, I demand that these payments be updated to reflect their XXXX  status immediately.

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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 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:
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2024-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
I applied for a checking account at New York Community Bank ( NYCB, a division of Flagstar bank ) on XX/XX/XXXX. The account was opened and funded with the required {$100.00} initial deposit on XX/XX/XXXX. I then fulfilled the requirements for {$350.00} promotional bonus : $ XXXX direct deposit and average daily balance of $ XXXX within the first 90 days after opening the account. Specifically, my transactions were : XX/XX/XXXX - deposited {$100.00} ; XX/XX/XXXX - {$1300.00} direct deposit ; XX/XX/XXXX - withdrew {$850.00}. The average daily balance for the first 90 days was ( $ XXXX $ XXXX ) XXXX = {$590.00} In fact, a rep confirmed my eligibility for {$350.00} bonus via chat on XX/XX/XXXX. During my subsequent interactions with the bank, they kept promising to get back to me but never did. Please help me receive {$350.00}.

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 explanation
Consumer complaint received 2024-08-07 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: IL

Complaint narrative:
All listed accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

-XXXX XXXX XXXX XXXX XXXX Monthly payment {$0.00}, Balance {$2300.00}, high balance {$2000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX, Balance {$0.00}, High balance {$5000.00} -XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance {$25000.00}, high balance {$26000.00} -XXXX XXXX XXXX XXXX XXXX Balance {$0.00}, High Balance {$200.00} -XXXX XXXX XXXX XXXX, Original Creditor XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$5900.00} ( Debt sold listed multiple times ) XXXX XXXX XXXX XX/XX/XXXX, Balance {$0.00}, Payment {$3800.00} incorrect balance -XXXX XXXX XXXX XXXX Balance {$0.00}, Payment {$2700.00} incorrect bal XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance {$0.00}, Payment {$95.00} incorrect bal XXXX XXXX XXXX XXXX, {$15000.00} incorrect balance ~All balances are inaccurate and inconsistent~ I was able to review my credit reports on XX/XX/XXXX and noticed several things are incomplete and inaccurate. 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 1681e ( b ). Also, according to 15 USC 1681 they are supposed to do this ( XXXX ) treatment of inaccurate of undeliverable 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.

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 2024-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: AZ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the erroneous information that your company has reported on my credit file. As someone who understands the intricacies of consumer law and credit reporting, I can confidently assert that the inaccuracies in your reporting violate multiple federal regulations.

Legal Violations Identified : 1.Violation of 12 CFR 1006.34 ( b ) ( 5 ) : This section mandates the complete and accurate communication of information by debt collectors. Your failure to provide accurate information is not just a simple oversight but a clear breach of this regulation.

2.Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : This law requires debt collectors to validate and communicate debt information clearly and comprehensively. The data you provided lacks the necessary clarity and accuracy, resulting in substantial confusion and misrepresentation on my credit report.

3.Violation of 12 CFR 1006.34 ( d ) : This regulation requires that written notice of debt be sent within five days of initial communication. I have yet to receive any such notice that meets these legal standards, further compounding the issues with your reporting.

4.Violation of 15 USC 1661-s 2 ( 7 ) ( a ) : Under this federal statute, all information furnished to credit bureaus must be accurate and current. Your companys failure to update or correct the misinformation constitutes a serious violation of my rights under this law.

In light of these infractions, I demand the immediate removal of the inaccurate information from all three major credit reporting agenciesXXXX, XXXX, and XXXX. I also request written confirmation that this information has been deleted and that no further reporting will be made unless it fully complies with all applicable laws. 

Please be advised that if this matter is not resolved within 30 days, I am prepared to escalate the situation by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing all available legal remedies to protect my rights. 

I trust that you will treat this matter with the urgency and seriousness it warrants. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: CA

Complaint narrative:
MY PERSONAL INFORMATON WAS OBTAINED BY IDENTITY THIEVES AND USED TO FILE FOR A XXXX. THIS OCCURRED DURING XXXX OF 2015. I HAVE NO KNOWLEDGE OF SUCH FILED XXXX AND ALSO DO NOT KNOW WHO COULD HAVE DONE THIS. THE CREDIT REPORTING AGENCY IS NOT ASSISTING ME IN THE REMOVAL OF THIS FRAUDULENT FILED XXXX AFTER CONTINUOUS DISPUTES AND IDENTITY THEFT REPORTS. PLEASE ASSIST ME IN REMOVING THIS FRAUDULENT INFORMATION FROM MY CREDIT FILE BY FORWARDING THIS COMPLAINT TO THE CREDIT REPORTING AGENCIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: CA

Complaint narrative:
MY PERSONAL INFORMATON WAS OBTAINED BY IDENTITY THIEVES AND USED TO FILE FOR A XXXX  THIS OCCURRED DURING XXXX OF 2015. I HAVE NO KNOWLEDGE OF SUCH FILED XXXX AND ALSO DO NOT KNOW WHO COULD HAVE DONE THIS. THE CREDIT REPORTING AGENCY IS NOT ASSISTING ME IN THE REMOVAL OF THIS FRAUDULENT FILED XXXX AFTER CONTINUOUS DISPUTES AND IDENTITY THEFT REPORTS. PLEASE ASSIST ME IN REMOVING THIS FRAUDULENT INFORMATION FROM MY CREDIT FILE BY FORWARDING THIS COMPLAINT TO THE CREDIT REPORTING AGENCIES.

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