vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-29 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: VA

Complaint narrative:
Dear XXXX, I am writing to formally request an investigation into potential violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, that I believe have occurred regarding my credit information.

1.Right to Privacy ( 15 U.S.C. 1681a ) : I am entitled to privacy regarding my credit information. I have reason to believe that my personal information has been mishandled or improperly disclosed by the entities listed below. This breach of privacy appears to be in violation of this provision.

2.Failure to Obtain Written Instructions ( 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ) ) : According to this section, a consumer reporting agency is prohibited from furnishing credit information without my written instructions. It has come to my attention that the following entities have reported information about my accounts without obtaining the necessary written authorization from me, thereby violating this provision of the FCRA : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am deeply concerned about these potential violations and their impact on my financial standing and reputation. I respectfully request that the CFPB investigate this matter thoroughly and take appropriate action to ensure compliance with the FCRA. 

Thank you for your attention to this important matter. I look forward to a prompt resolution. Should you require any additional information or clarification, please feel free to contact me using the information provided above. 

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 explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Credit Bureau is currently reporting two accounts that were closed as open with balances showing that they are currently late. These accounts were charged off and companies receive tax credit from irs. I requested a 1099c from the creditor and they fail to furnish then Equifax lists the account was open making it look like there are current late payments when these accounts should marked closed with a XXXX balance XXXX XXXX  {$1500.00} listed as open account charged off and balance should be XXXX and XXXX XXXX charged off XXXX and is still showing a balance of {$16000.00} and no Equifax has listed this account as open this is the only bureaus that has not corrected their issue and has violated 15 U.S.C 1681 and I request that these accounts be removed from credit immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: NC

Complaint narrative:
I filed a dispute with XXXX for my personal information meaning my name and address has 3 different names and addresses that need to be deleted please. I only have one name and one address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: FL

Complaint narrative:
I received my credit report and noticed that a fraudulent account is appearing, Please investigate and delete this. It's not mine. 

I command you to delete the accounts listed below : Account Name : XXXX XXXX XXXX XXXX XXXX 
Account XXXX : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law, 15 U.S. Code 1681iProcedure in case of disputed accuracy, if you can not verify the accuracy of the information within 30 days, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.

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 2024-08-29 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau Subject : Request for Assistance in Removing Charge-Off Status Dear CFPB, I am writing to seek your assistance regarding a charge-off status reported by Equifax for my credit card account ending in # XXXX This account has been paid. 

Despite having fulfilled my obligation to this debt, the charge-off remains on my credit report, which is negatively impacting my credit score and my ability to secure new credit. Under the Fair Credit Reporting Act ( FCRA ), I understand my rights. 

I have contacted Equifax directly to request the removal of this charge-off status, but I am seeking your help to expedite this process. Im attaching screenshots supporting my claim. 

I kindly ask the CFPB to assist me in ensuring that Equifax updates my credit report to reflect the paid status of this account and removes the charge-off notation. Your support in this matter is greatly appreciated. 

Thank you for your attention to this issue. I look forward to your prompt response. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
On XXXX Midland Credit Solutions deducted XXXX from my paycheck to settle a debt for a credit card balance. My information was sold to this company for a percentage without verifying to me my debt. I have tried to get this collection removed from my credit but Midland Credit refuses to remove the derogatory remarks from my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I open a account cheking basic on TD Bank. 
In the procees I provided : User name and password for account on utilities and services so I could confirm I was a homeowner of property Id Florida Drivers Licence Passport Us Opened the account Called everytime to authorized transactions I am on vacation until XX/XX/XXXX and can not access the funds or any of my money. I am stranded in a island and no money because the bank I trusted with my debit, credit and transfers is blocked. I have called daily spoken to managers and provided any evidence necessary. They just continue to provide a phone number of branch and they do not answer XXXX. If I don't visit a branch I will not have access to my funds. I have requested any proof of documents for clearing access and they ask me To visit a branch to provide additional information. All my deposits for work and direct deposit for additional income comes to this account. I can not access the funds or make any transfer for money untill I do not visit a branch. There is no branch in XXXX XXXX or XXXX XXXX I do not have acces to fund so I can not change itinerary to travel and visit a branch. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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: FL

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

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 2024-08-29 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 2024-08-29 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: TX

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of 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 2024-08-29 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: TX

Complaint narrative:
These late payments dont seem to reflect my usual payment pattern.

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 2024-08-29 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-29 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: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/2024 i used my Bank issued visa Credit Card to purchase XXXX - XXXX - {$200.00} gift card, & when i came home i proceeded to verify that the {$200.00} Dollar XXXX gift card was indeed valid, & Loaded with the {$200.00} that i actually gave the XXXX Cashier, & upon attempting to validate that the funds were placed on the card it was then that i realized that my Newly just purchased {$200.00} dollar XXXX gift card was in fact totally empty, & when i returned to the XXXX location to receive a refund i was then told by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that all sales pertaining to Gift cards were in fact final, & it was at that point that the XXXX XXXXXXXX accused me of theft even though i had purchased other gift cards at XXXX & some of them were good, & ready to be used & some of them were not i then called up my banks Credit Card department, & explained the issue, & the banks Credit Card Department mailed out a charge back form but i couldnt complete, & mail in the form because the ink on the XXXX store Receipt had totally disappeared, & i told the credit card department this, & the case was closed but the week of XX/XX/2024 i was able to Locate the XXXX XXXX XXXX purchase Receipt photo i actually took with my mobile phone, & i completed the Bank Credit Card charge back documents, & forms, & attachment all necessary documents & i brought it to my Local bank branch, & i handed it to the XXXX XXXX Banker he then uploaded it into the banks Computer system, & he gave me a copy of the transmittal Receipt i then called the bank on XX/XX/2024 which was the date i was told to call back, & i would then be given the credit card departments decision, & it was at that point i was told that my Credit card charge back request was denied, & that is when i started to seek out an alternative recourse, & solution

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 2024-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I have a closet apple card goldman sachs account. I have a positive balance of about XXXX XXXX I am requesting a refund balance transfer. They refuse to send me the funds. After they told me they initiated the transfer they called back a couple of days later and nobody would talk then hung up. I called today to see why I have not received anything. They said they called to tell me my account was under review and that I had to resubmit the refund request. I have been trying to get this resolved with countless attempts at communication and nobody can answer anything they leave me for hours on hold. I need something done about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX. 

First off show me a contact I signed with XXXXXXXX XXXX.does not exist!! 

Secondthe loan status is being reported as charge off when there is not one late or missing payment Third XXXX XXXX XXXX breached this contract on XXXX XXXX XXXX Fourth were are all the payments I made ontime? Why are they no longer showing Fifth..being reported I have 100 % of this loan left to pay. Incorrect Sixth.Equifax.every month Im filling a new complaint about the same creditor who still is not reporting anything correct. EQUIFAX YOU ARE RESPONSIBLE FOR CORRECT AND ACCURATE REPORTING! THIS IS NOT CORRECT NOR ACCURATE!! You are to delete immediately!!! FCRA VIOLATION 611!!

Seventh.EQUIFAXdelete this account immediately!! I should not be continually harried by you!! YES YOU EQUIFAX!! FCRA VIOLATION 607!!

Eighth..XXXX  FCRA VIOLATION 623!! Liability of the creditor for accuract annd complete information supplied to credit agency!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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: VA

Complaint narrative:
I do not believe that there should be any late payments on my accounts for XXXX XXXX account ending in XXXX and account ending in XXXX, XXXX XXXX, account ending in XXXX, XXXX XXXX account ending in XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Please assist me in regards to some negative items that are showing on my report, i already provided the XXXX documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed from my report.

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 2024-08-29 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: FL

Complaint narrative:
I received my credit report and noticed that a fraudulent account is appearing, Please investigate and delete this. It's not mine. 

I command you to delete the accounts listed below : Account Name : XXXX XXXX XXXX XXXX  XXXX. 
Account XXXX : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law, 15 U.S. Code 1681iProcedure in case of disputed accuracy, if you can not verify the accuracy of the information within 30 days, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXXXXXXXXXX XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-08-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Unauthorized inquiries appear on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-29 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: NC

Complaint narrative:
Please assist me in regards to some negative items that are showing on my report, i already provided the 3 documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed from my report.

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