vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-10 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: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX XXXXXXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX on XXXX under the account number ( private ), and a collections account opened at XXXX XXXX XXXX on XXXX with a balance of XXXX  ( private ) These accounts have resulted in several fraudulent collections appearing in my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the fraudulent items. I do not recognize the accounts or collections as reported. The accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections, are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX XXXX XXXX , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX on XXXX under the account number ( private ), and a collections account opened at XXXX XXXX XXXX on XXXX with a balance of XXXX ( private ) These accounts have resulted in several fraudulent collections appearing in my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the fraudulent items. I do not recognize the accounts or collections as reported. The accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections, 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 explanation
Consumer complaint received 2024-10-10 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: VA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
Recently I looked at a copy of my credit report and noticed severas inaccuracios no my accounts. This accounts is hurting my ability to obtain credit. It is my understanding that you will investgate these tems for me to ensure accuracy. Here is the tems I am asking you to verifique as accurate 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 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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
My credit report contains misleading information governed by 15 USC 16c-2, which I believe is damaging my credit. The hard inquiries listed were not approved by 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 non-monetary relief
Consumer complaint received 2024-10-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: MI

Complaint narrative:
Radius Global Solutions LLC ; XXXX XXXX ;, furnished a report in reference to my social security number regarding an alleged debt Radius Global Solutions LLC ; claims is owed on account number : XXXX This letter serves as your legal notice, pursuant to the provisions of the Fair Debt Collection Practices Act 15 U.S. Code 1692c ( c ) to ; CEASE AND DESIST ALL COMMUNICATIONS and TRANSMISSIONS of electronic files containing consumer 's name and address, her status as a debtor, details of debt, and other personal information regarding the above-referenced alleged debt. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX The consumer has decided not to work or communicate with any collections agency regarding this matter. Any further correspondence from your organization or any other collection agency will be discarded or returned to you unopened. XXXX XXXX XXXX. XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX WHEREFORE, the consumer demands all collection activities such as all calls, visits, electronic communication with third parties regarding details of the alleged debt, the consumers status as a debtor, and the precise amount of the alleged debt CEASE AND DESIST, and these account be REMOVED from all three of consumer reports.

Failure to comply with this legal notice to cease & desist all forms of communications constitutes a violation of the Fair Debt Collection Practice Act, and may warrant legal action. 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 explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
My vehicle is financed through Credit Acceptance. To avoid repossession of the vehicle, I agreed to an installment plan on my account. The current installment plan is for the amount of {$560.00}. The total amount is {$700.00}. I was informed that late fees & interest will still apply. However, the payments are not being accurately reported. Instead of the payments being recorded as agreed, they are being reported as missed.

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 card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
They lowered my credit limit to make it look racked up then said they were closing it no reason, never late just had to use it for my truck to get fixed

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of Birth XXXX XXXXXX/XX/XXXX SS # : XXXX XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXXXXXX XXXX XXXXXXXX XXXX XXXX PA XXXX RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
XXXX. XXXX Account number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXXXXXX XXXX Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 

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 non-monetary relief
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: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: CT

Complaint narrative:
Ed financial has been harassing me for years about a parent plus loan. I'm embarrassed to admit that although I knew I didn't take out a loan I let them XXXX me into believing I did. I finally verified it isn't my loan. They accidentally sent me a copy showing someone else was the endorser ( took out the loan ) a phone call to Ed financial confirmed this isn't my loan. Said they'd send some form to get my info off of it. Never did. Subsequent follow ups ignored. If I hadn't seen that last detailed application I would have believed I forgot and it was my loan and would have worked out paying it. I can't afford it and it's been a huge stress. How could this have happened that I was targeted to pay for this loan I have nothing to do with? My XXXX  father in law was also contacted and didn't understand and made some payments. I'm livid

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to dispute several inquiries on my credit report that I recently reviewed. Upon examining my credit report dated XX/XX/year>, I identified certain inquiries that I do not recognize and believe were made without my authorization. These inquiries are 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 Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, credit inquiries may only be made under certain permissible purposes, such as with my explicit consent or in connection with a credit transaction initiated by me. Since I did not authorize these inquiries and have not initiated any recent credit transactions with these entities, these inquiries appear to be in violation of the law. 

I request that you immediately : Investigate these inquiries. 
Remove all unauthorized inquiries from my credit report immediately. 
Provide me with the results of your investigation, including the details of who initiated these inquiries and their stated permissible purpose. 
In accordance with my rights under the FCRA, I expect that this matter will be addressed promptly. I would appreciate your written confirmation of the removal of these inquiries and the steps taken in response to this letter. 

Please consider this a formal dispute of the unauthorized inquiries. Thank you for your prompt attention to 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 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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to dispute several inquiries on my credit report that I recently reviewed. Upon examining my credit report dated XX/XX/2024, I identified certain inquiries that I do not recognize and believe were made without my authorization. These inquiries are 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 Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, credit inquiries may only be made under certain permissible purposes, such as with my explicit consent or in connection with a credit transaction initiated by me. Since I did not authorize these inquiries and have not initiated any recent credit transactions with these entities, these inquiries appear to be in violation of the law. 

I request that you immediately : Investigate these inquiries. 
Remove all unauthorized inquiries from my credit report immediately. 
Provide me with the results of your investigation, including the details of who initiated these inquiries and their stated permissible purpose. 
In accordance with my rights under the FCRA, I expect that this matter will be addressed promptly. I would appreciate your written confirmation of the removal of these inquiries and the steps taken in response to this letter. 

Please consider this a formal dispute of the unauthorized inquiries. Thank you for your prompt attention to this matter.

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: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
All inquires attachedd need to be delete It is violating my rights there is no account attached to these inquires also I did mot give written permission for to report anything to my file remove asap

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: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information 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

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: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: KEYCORP
State: IN

Complaint narrative:
Subject : Ongoing Issue with Online Account Opening Process Dear KeyBank Online Account Opening Team, I hope this message finds you well. I am writing to express my frustration regarding my continuous inability to open an account with KeyBank online. For the past XXXX years, I have tried to open an account, but I have consistently encountered the same issue, as outlined in the attached screenshot of the error message. 

The message indicates that KeyBank has been unable to confirm my identity based on the information I have provided. However, I have verified that my details are correct, and I am unable to understand why the system repeatedly fails to confirm my identity. As the nearest KeyBank branch to me is in XXXXXXXX XXXX, and I am located in XXXXXXXX XXXX, traveling to verify my identity in person is not feasible for me at this time. 

I would like to request that this issue be escalated to the appropriate team within KeyBankwhether that be your Online Account Opening Team, XXXX XXXX, XXXX Department, or another relevant department. I believe that your online identity verification process may not be following the proper protocol or regulations to enable users to confirm their identities remotely. 

Given that this issue has persisted for several years, I will be filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) if the problem is not resolved promptly. I believe that a fair resolution would involve allowing me to verify my identity online through a secure, alternative method, so I can successfully open an account without having to travel to a physical branch. 

Please address this matter as soon as possible. I look forward to your prompt and satisfactory resolution to this issue. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX, XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
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 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