vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-21 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: NY

Complaint narrative:
I am beyond frustrated with the poor handling of fraudulent charges wrongly attributed to my XXXX XXXX account. Despite submitting an official police report, FTC Identity Theft report, and contacting the fraud department multiple times, Transunion have failed to adequately investigate or validate {$310.00} in charges made without my authorization on my XXXX XXXX. As a result, the balance is incorrect and is being reported incorrectly. 

Not only have XXXX reported inaccurate, unverified information to Transunion, harming my creditworthiness, but Transunion continues suppressing this issue when I have provided substantial evidence of criminal financial fraud requiring their urgent attention. 

The simplistic rationale that I must have made the charges since past bills were paid ignores today 's rampant identity theft risks. Over 92 % more Americans fell victim to account takeover fraud amidst the pandemic when many, like myself, faced personal trauma, job loss, and overwhelming instability taking focus away from finances. With my social security number, passwords, and other information compromised in various data breaches, it is entirely plausible my account was hacked by fraudsters. 

I am officially demanding complete statements itemizing all account charges and expect Transunion and XXXX to provide concrete verification like IP addresses, geolocation history, or other transaction metadata before falsely claiming charges as my own ever again. The reinstatement of unverified, disputed charges to my credit reports violates federal law. 

I have already suffered serious financial and emotional harm due to Transunion 's mishandling and urge this final good-faith attempt at resolution before pursuing legal action over irresponsible business practices. I believe that Transunion is in cahoots with XXXX to keep this negative file on my report without providing adequate evidence that i made these charges. Please confirm receipt and provide next steps for thoroughly reassessing all unauthorized transactions. Transunion also refuses to block the fraudalent and inaccurately reported account from my report! This is a blatant violation of my rights. The specific provision in the FCRA that addresses my situation is found in Section 605A. This section outlines the procedures for blocking information resulting from identity theft. According to the FCRA, credit reporting agencies must block the information within four business days of receiving an identity theft report, which may include a police report. Transunion refuses to honor this right!!!

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 2023-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: HI

Complaint narrative:
Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX MN XXXX Trying to collect on a debt I did not initiate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I am writing in response to the debt collection notice I received from your company regarding the alleged debt that you claim I owe. I am requesting that you provide me with validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ). 

I C SYSTEM ( Original Creditor : 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 explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am writing to dispute the validity of the debt you claim I owe, as outlined in your correspondence dated XX/XX/2023, XXXX. I received your email indicating that I owe {$76.00} by COLUMBIA DEBT RECOVERY LLC DBA GENESIS. I believe there has been a mistake, as I have no record or knowledge of such a debt. I am confident that this matter can be resolved amicably and appreciate your prompt attention to this dispute. I expect a timely and accurate response from your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I requested my credit reports from the 3 usual agencies. I received two of the three ( from XXXX and XXXX ). Yesterday I received a letter from Equifax requesting additional personal information. The letter claimed that they " were unable to locate a credit file in our database with the identification information you provided ''. The letter requested that I provide Social Security Number, DOB and current and former addresses, and proof of address. I prepared copies of all of this documentation and composed a letter including the information in written form. I was looking at THEIR letter to find the address to mail this information. That's when I discovered that there were two different addresses in the letter. I thought that was very odd. There are other odd things about this letter also, for example the information is all requested twice in the letter. Anyway, I called the phone number that was provided in the letter, in order to pin down which address I should mail this information to. The phone number was answered by a pre-recorded advertisement for a medical device. I then checked online for a phone number for Equifax, and I called it ( XXXX ) XXXX. After several security questions, I was connected to someone with a heavy XXXX accent named " XXXX ''. I explained all of the above, and I asked him if they ( Equifax ) had sent me this letter. He said no, we did not send you a letter. I asked if they had received my request for a credit report -- He said yes we did. I said " Are you planning to mail it to me? '' and I said that I had already received my credit reports from the two other agencies ( XXXX and XXXX ). He said yes and then asked me to confirm my address. He said the credit report will be mailed out and he gave me a confirmation number. I asked him why I received this letter and he said something vague about fraud and if I was concerned about fraud blah blah ( I could not understand his heavy accent so I just let it drop ). I decided ( and hoped ) to just see if I actually do receive this credit report. Later on I felt that I should probably report this to some type of consumer fraud agency, and googled for options, and came up with the CFPB. I had also looked on the New York State Attorney General 's website but I did not find anything directly related to this type of fraud complaint. I decided to start with CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
Hello, On XX/XX/XXXX, I received an email from Jefferson Capital Systems , LLC stating that I owe XXXX {$1300.00} as of XX/XX/XXXX. The JCS Reference number is XXXX. 
This will be my third complaint that I have filed regarding this false charge. The first complaint was directly to XXXX ( CFPB claim number XXXX ), my second complaint was to XXXX XXXX XXXX ( CFPB claim number XXXX ), the debt collectors contracted by XXXX 
If possible, please refer to the above listed CFPB complaint numbers to get the background on the " case ...? ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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:
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 XXXX XXXX Account Number : XXXX has violated my rights. Or 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: KS

Complaint narrative:
I have made multiple attempts challenging the account being reported. Account verified by furnisher, no investigation report was provided to me, data remains inaccurate and incomplete. Modified account details with other reports but failed to provide carbon copies to all other parties. 
Delete XXXX XXXX account Delete XXXX XXXX XXXX Delete XXXX XXXX account Delete XXXX  account Delete XXXX XXXX account

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 2023-12-21 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: VA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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:
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 XXXX  XXXX Account NumberXXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX XXXX  XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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 XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX  XXXX Account NumbeXXXX Account Name : XXXX XXXX  XXXX Account NumbeXXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX  Account NumbeXXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  has violated my rights. Or a 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 2023-12-21 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: DE

Complaint narrative:
I am writing to address a matter of utmost importance regarding the accuracy and completeness of the information currently being reported by your company. Following a meticulous review of my updated report, it has come to my attention that there are discrepancies and incomplete details that require immediate rectification. 

-- -- -TransUnion -- -- - 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 2023-12-21 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: MA

Complaint narrative:
I submitted a payment on XX/XX/2023 to XXXX XXXX XXXX to avoid my account going into delinquency by XX/XX/XXXX and the payment was stated that it was successfully processed. It was only after they sent my payment confirmation to the credit bureaus, that they stated that they were not able to process my payment. There were funds in my account with proof that the funds were available and ready to be deducted. I have been making consistent payments without being late for over a year and a half. My credit score has taken a massive hit after rebuilding it, and should not be blamed for a clerical error conducted on the creditors end. As you can see attached, XXXX XXXX XXXX ( Account # : XXXX ) did not inform me that they were attempting to take the funds out of a wrong account until the XXXX XXXX XXXX XXXX After sending my information to the credit bureaus on the XXXX of 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 2023-12-21 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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2023-12-21 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:
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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
Formal Complaint Regarding Debt Collection Practices by Allied Collection under XXXX XXXX XXXX - XXXX  XXXX XXXX  I am writing to file a formal complaint against Allied Collection, acting on behalf of XXXX XXXX XXXX, regarding their debt collection practices related to an outstanding amount of {$1300.00} associated with The XXXX XXXX. The circumstances surrounding this debt are unique and necessitate your intervention. 

Account Information : Collection Agency : Allied Collection Original Creditor : XXXX XXXX XXXX - XXXX XXXX XXXX Debt Amount : {$1300.00} Incident : XXXX  XXXX situation involving XXXX XXXX XXXX XXXX Attached : Copy of the Police Report documenting the incident Summary of the Issue : The debt in question arose due to the termination of a lease agreement at XXXX XXXX XXXX following a XXXX XXXX incident involving my wife, XXXX XXXX XXXX XXXX. As per Nevada laws, individuals are allowed to break an apartment lease contract in such situations. 

Despite repeated notifications to Allied Collection about the circumstances surrounding the lease termination and the provision of supporting documentation, the company continues to report inaccurate information to credit bureaus. I have attached a copy of the police report detailing the incident for your reference. 

Requested Action : I kindly request the Consumer Financial Protection Bureau 's intervention to rectify this situation promptly. The inaccurate reporting by Allied Collection is not only a violation of my rights but also has a detrimental impact on my credit score and financial standing. 

I ask that you investigate the matter, ensuring that Allied Collection adheres to the appropriate legal provisions regarding lease termination due to XXXX XXXX situations. Additionally, I request the removal of the inaccurate information from my credit report. 

Enclosures : Copy of the Police Report I appreciate your immediate attention to this matter and look forward to a prompt resolution. 

Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I check my scores twice a day. Ive notice that my XXXX score was do to rises but it didnt not Ive also notice that from the FNBO complaint my middle score was XXXX. My score has not return to this level. Its seem to me that achieving an XXXX score no matter what I do these companies just in fact, that this is more do to rascal then to reporting correctly. As a XXXX consumer I fill that these companies do not report correctly and will do what is need to hold my financial goals back.

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