vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to Trans Union XXXX and XXXX this Fraudulent acct appearing on my XXXX Consumer Credit Report which I do not recognize as reported and is a Result of Identity theft and Fraud this is Fraudulent account opened at XXXX XXXX date XX/XX/year> acct XXXX this acct resulted in a Charge Off on my Credit Report I demand that the Fraudulent Item b removed from each of my Consumer Credit Reports Pursuant to my Rights within the FCRA and FDCPA

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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to XXXX XXXX Equifax and XXXX this Fraudulent acct appearing on my XXXX Consumer Credit Report which I do not recognize as reported and is a Result of Identity theft and Fraud this is Fraudulent account opened at XXXX XXXX date XX/XX/year> acct XXXX this acct resulted in a Charge Off on my Credit Report I demand that the Fraudulent Item b removed from each of my Consumer Credit Reports Pursuant to my Rights within the FCRA and FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
As Ive said in another email of the inquiries and the CHARGE-Off Amt. of the inquiries I only know of ONE and I called the thank and told them on either XX/XX/year> or XX/XX/year> I was aware of only of one possible deposit from family in XXXX, I told said bank if it was no good decline it, because the senders were foreign family I rarely talk to. What I dont understand and dont get is I discussed this whole issues with Suntrust multiple times I had NOTHING TO DO WITH THEM LOSING XXXX. They already tried this mess on me before 6 years ago and I paid XXXX out of pocket. I dont even do overdrafts thats how Im figuring XXXX XXXXXXXX. Theyve had me sign an affidavit I think beginning of last year or 2 years ago. Im just exhausted cause all I was trying to do today was secure a an auto loan at a credit union only to find out, they wont even open a personal checking and a savings for me because of this report. Sending all the info. I have on the matter as I said Ive called truist to talk to them about the notices countless times about the fact I did not take XXXX from them and that it was fraud of some sort and I opted to dispute it.

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 2024-10-10 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: NV

Complaint narrative:
Unauthorized Information under 15 USC 1681 equifax shared information on following accts This is in regards to the following 5 Accounts. 
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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verifiedthat This item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA

Complaint narrative:
I will also XXXXeI provided the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Better Business Bureau ( BBB ) to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX and inquirires on XXXX ftc 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 explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: MA

Complaint narrative:
I will also beI provided the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Better Business Bureau ( BBB ) to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX and inquirires on XXXX ftc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
Ally Bank 's undesirable performance leaves us hanging and without a home. 
We have been in contact several times with customer service and supervisors at Ally Bank other the last XXXX days. We are in need of clarifying a wire transfer and holds that are placed on the transfer. The timing of the transfer was crucial and any delay would cause undue hardship as it is for a closing payment on a real estate purchase. 
We were given different answers on processing times and cutoffs by different people we spoke with. We eventually reached a supervisor, XXXX, who tried to clarify, but the damage had already been done as we were past any possible time to get it processed or verified, and no guarantee of a timeframe it could even be done. She would not allow us any contact with the appropriate department to clarify and verify the issue with firm confirmation. Instead she denied any request to escalate this further so we could move the process along quicker. Though XXXX attempted to correct the information, we were mislead on processing of security holds, fraud alerts, and the overall processing of wires but other customer service representatives, and it may be beyond the point of repair. Additionally, I am not confident in the information she provided since we already heard many different answers. This apparent incompetency at Ally Bank should be a stark warning for any customer with funds at Ally. We were not able to get a timely resolution to our issue and customer service was little help, at times making the situation worse with even further misleading information or incomplete information. We had to find out about these possible issues from our title/escrow company instead of hearing about the possible delays with wire transfers. Given the multiple calls I had with Ally and the clarification I was asking for, this information should have been made clear. 
We contacted Ally initially to help expedite the process, but the misinformation we were given caused further delays. We may lose the house we are trying to purchase, as we are now past the funding deadline, and would then be left without a place to live. How can Ally, who has control and custody over our money, give this level of misinformation with such severe consequences for us, yet no accountability on their part. This is negligent behavior.

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 2024-10-10 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:
This is clearly as water. Thank you CFPB for bringing this awesome evidence to light despite the lies that XXXX XXXX was telling consumers who, like been saying for years ( this is A fraudulent account that magically appeared on my consumer report. I had told XXXX XXXX  and made them aware of this fraudulent account yet they continue to harm my life by ignoring what i have been barking at XXXX XXXX  fraud department which i now know is being handled by clerks that were told to ignore any Fraudulent investigation into this credit account. Now I Know why XXXX XXXX was determine to flex and intimidate me into trying to make me believe that they were investigating this fraud account when they never did. CFPB this data furnisher is liable under the Fair credit reporting act ( FCRA ) under section 623 .Responsibilities of furnishers of information to consumer reporting agencies. a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This morning, I was shocked to find inaccurate accounts listed on my credit report! I have no idea how this happened. I regularly check my report, but now there are discrepancies that just appeared out of nowhere. I even tried refreshing my browser to see if it was a glitch, but nothing changed. Those inaccurate accounts are still there! Im urgently requesting that the documents I submitted be checked thoroughly so I can stop worrying about this situation.

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 2024-10-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have two prepaid Amex gift cards, each pre-loaded with a value of {$100.00} ( so {$200.00} total ) and each supposedly expiring in XXXX. I received these gift cards as a birthday present from my aunt only a few days ago ( as of XXXX  ). I tried to use the cards and both of them were declined. I then attempted to check their balances using the website provided on the card ( XXXX ), where I experienced a nondescript error message. I then called the included customer service number ( XXXX ) and was told by the customer service representative that the gift cards had not been " used '' after being activated by the merchant, and thus, the funds had been sent to the state 's unclaimed funds service. I do not understand why this would have happened, as both prepaid cards clearly state that the expiration date is in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: NJ

Complaint narrative:
My account with was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lacy Katzen LLP
State: NY

Complaint narrative:
XX/XX/XXXX Company : Lacy Katzen LLP File number # XXXX Date account was opened : XX/XX/XXXX Amount reported on XXXX credit report : {$24000.00} I am writing this letter to you in response to a notice I received from you. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692 g. Sec 809 ( b ) that your claim is disputed, and validation is requested. The statue on this debt has expired.

This is not a request for Verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following What the money you say I owe is for? 
Explain and show me how you calculated what you say I ow. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgement. 
Provide me with proof that I entered into a contract with your collection agency or your law firm. 
I am requesting Assignment Contracts. 
Copy of the original contract bearing my signature that I signed on for this debt. 
Payment history from the original creditor that show payments. 
I want the name and address of the original creditor. 
I want proof you either own or were assigned this debt. 
I am requesting an assignment contract. 
If your office has reported invalid information to any of the three major Credit Bureaus XXXX XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX  ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can XXXX XXXX XXXX XXXX t be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with explanation