vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 studying 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. These are the accounts : XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX XXXX XXXX - XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX Incorrect Name - XXXX XXXX XXXX XXXX - XXXXXXXX XXXX  XXXX Incorrect XXXX - XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, GA, XXXX EMPLOYER - XXXX  EMPLOYER - 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 2024-04-08 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: MD

Complaint narrative:
I HAVE BEEN GOING BACK AND FORTH WITH THE CREDIT BUREAU TO GET INQUIRIES, OLD ACCOUNTS, CLOSED ACCOUNTS AND OLD ADDRESSES REMOVED FROM MY CREDIT REPORT. IT HAS BEEN VERY STRESSFUL AND OVERWHELMING AND TO MENTION VERY COSTLY. AS PER THE FAIR CREDIT REPORTING ACT SECTION 611 ( 15 U.S.C 1681I ) THEY 30 DAYS TO INVESTIGATE AND REMOVE SAID ITEMS.

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 2024-04-08 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: MD

Complaint narrative:
I HAVE BEEN GOING BACK AND FORTH WITH THE CREDIT BUREAU TO GET INQUIRIES, OLD ACCOUNTS, CLOSED ACCOUNTS AND OLD ADDRESSES REMOVED FROM MY CREDIT REPORT. IT HAS BEEN VERY STRESSFUL AND OVERWHELMING AND TO MENTION VERY COSTLY. AS PER THE FAIR CREDIT REPORTING ACT SECTION 611 ( 15 U.S.C 1681I ) THEY 30 DAYS TO INVESTIGATE AND REMOVE SAID ITEMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: MO

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: NJ

Complaint narrative:
I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a complaint against Experian, this complaint is because I sent all the supporting documents of the identity theft and they have not yet deleted the account that was opened without my authorization. The law is supposed to say that if an account was opened under fraud, the credit agency must block the information and Experian has not done its job, I sent the dispute and they do not take XXXX minutes to give a response or even evaluate the dispute..

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 2024-04-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: IL

Complaint narrative:
XX/XX/XXXX I go an alert and a bunch of phone calls from drs collections. Then I checked and saw searched online and saw it was my old XXXX XXXX that I opened in XX/XX/XXXX my loan balance was {$2400.00}. I got an alert on my credit XX/XX/XXXX that drs/XXXX XXXX stated I have a balance of {$3300.00}. Which wasnt my loan amount. I was told by XXXX XXXX in XX/XX/XXXX that if I lost my job they would close the account as long as I was making payments. And I showed closed for years. Now I get this drs collection notice. I sent drs a letter XXXX XXXX asking to validate the debt and to validate the information was correct and I never heard back. Theyre trying to charge me for a loan that was told to me was closed and the loan amount isnt even correct. They never responded to my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 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: FL

Complaint narrative:
I am filing this complaint against Experian, XXXX, and XXXX for furnishing inaccurate information on my credit reports in violation of 15 U.S.C. 1681s-2. 

Experian, XXXX, and XXXX are reporting a charged off debt on my credit reports. However, a charge off is defined by the IRS as canceled debt which must be reported as ordinary income on my taxes using Form 1099-C if the canceled debt amount is {$600.00} or more. 

Income does not get reported on consumer credit reports. By inaccurately reporting this charged off debt as a current debt rather than as income, Experian, XXXX, and XXXX are knowingly furnishing incorrect information on my credit reports. This is prohibited under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). 

I have notified Experian, XXXX, and XXXX that they are reporting inaccurate information by disputing this account with them. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), after being notified of inaccurate information, a furnisher may not continue to report that information if it is in fact inaccurate. However, Experian, XXXX, and XXXX have failed to correct this inaccurate reporting. 

The reporting of this inaccurate information has severely damaged my credit scores, reputation, and ability to obtain credit. Experian, XXXX, and XXXX have an obligation under the FCRA to report accurate information, and they have failed in this duty. 

I demand that Experian, XXXX, and XXXX immediately delete this inaccurate charge off from my credit reports. They have XXXX calendar days to remove this erroneous account. 

The continued inaccurate reporting of this account is a clear violation of Experian, XXXX, and XXXX 's responsibilities as furnishers of information under 15 U.S.C. 1681s-2. 

Their negligence in failing to correct this inaccurate reporting after being notified has caused me and my family significant harm. This complaint serves as a final opportunity for them to cure their noncompliance and delete the inaccurate information. 

I swear under penalty of perjury that the information provided in this complaint is true and accurate to the best of my knowledge.

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I've discovered fraudulent inquiries on my credit report and seek your help to remove them. I haven't engaged in any transactions related to these unauthorized inquiries and am unsure how they occurred. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired of XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Steel River Systems, LLC
State: FL

Complaint narrative:
I had an account with XXXX XXXX XXXX years ago and was in the market to add another job cause i wanted to make more money long story short I myself and handfuls of others were hired by a company who ended up writing bad checks. the user terms at that time was the check had to clear for XXXX business days etc because it was a new check etc. 
i didnt touch the money for over XXXX full business days it sat in my account so once i started to use the money all this info about the company came to light and XXXX  then well after their policy time frames removed all the money form everyones account and went after everyone because they didnt want to take the loss. 
my money and everyone member in XXXX was covered by FDIC at that time and that should have covered it but instead those froze anyones account who wouldnt pay and took every cent they had. they took over XXXX $ from me and locked my account the remaining amount was XXXX. they knew they couldnt really do anything so i said XXXX XXXX  i followed your policy, yall screwed up not my problem and just went back to my XXXX XXXX. fast forward years later heard nothing about nothing was going on well after XXXX eyars went by i started getting threatening letters saying i was going to be sued etc for the amount if i didnt pay it blah blah blah. they call while im at work ive told them long ago to stop and they just change the number they use etc

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 2024-04-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: FL

Complaint narrative:
I received an invoice indicating that I had a payment that was due on XX/XX/2024 in the amount of {$160.00}. I made the payment on my XXXX ending in # XXXX on XX/XX/2024. My payment cleared, However, they reported my payment as late which caused my XXXXredit score to drop XXXX points

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: RoundPoint Mortgage Servicing LLC
State: NV

Complaint narrative:
On XX/XX/XXXX I contacted Roundpoint Mortgage to inquire about payment options for XXXX payment. I was offered a repayment plan agreement. The representative gathered info to see if I qualified. I was informed that I qualified for the program. I asked the representative on XXXX occasions if I would report a late payment on my credit. The representative responded by saying " It will report as a repayment plan ''. The second time asked the response was the same. I also made a partial payment of {$500.00} with the representative for XXXX 's payment on the same day. On XXXX I received an alert from XXXX that a XXXX late was reported by Roundpoint. I called Roundpoint to see why it was reported as late. The representative informed me of the terms of the repayment plan and how it would impact my credit. I explained to the representative that I was not given this info when I was placed on the plan. The representative apologized that it was not explained and asked if I would like to dispute the 30-day late, which I did. I also made the remaining payment that day and requested to be removed from the program. I received the dispute resolution on XXXX denying the removal of the late payment. I called XXXX on XXXX to discuss the results. In the letter is stated that the results were based on the letter that was mailed on XXXX that outlined to terms of the agreement and the phone conversation. I didn't receive the letter until XXXX. By then the XXXX late had been reported. They never provided proof that the representative explained the terms of the agreement during the phone conversation. If the terms were fully disclosed on XX/XX/XXXX I would have never agreed to the program and would have made the full payment vs. the partial payment on XX/XX/XXXX. I spoke to XXXX representatives on XXXX. The last person was supposedly a manager. She informed me that the credit department doesn't speak to customers and that the decision remain the same no matter how many times I requested an escalation or dispute.

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The information reflected in my credit reports is currently marred by inaccuracies that have had a detrimental impact on my ability to secure new credit. As I submit credit applications to potential lenders, the discrepancies present in the reported data have led to confusion and contradictions, ultimately misrepresenting my creditworthiness. 

Given the gravity of these inaccuracies and their adverse effects on my financial reputation, I am formally requesting the correction of these errors and the subsequent removal of the incorrect items from my credit reports. It is imperative that my credit file accurately reflects my financial standing and history to ensure fair and informed assessments by creditors.

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 2024-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Multiple unauthorized ( fraudulent ) transactions. 

As specified : - Transaction for {$150.00} on XX/XX/year> Description : XXXX XXXX  XXXX SC XXXX XXXX Transaction for {$78.00} on XX/XX/year> Description : XXXX XXXX XXXX SC 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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX XXXX has violated my rights. 

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

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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2

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 2024-04-08 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: TX

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-04-08 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: TX

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-04-08 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

Complaint narrative:
I received an AMEX XXXX card to the amount of {$1500.00} USD from a client who resides in NY XXXX on XX/XX/2023. AMEX advertised this gift card as " you can shop online or at stores ''. Since then, I have had no luck trying to use this gift card online aside from a few merchants where I had to call the merchant and get them to put through the gift card manually. Anytime I tried to purchase an item online, the transaction gets declined even though I had more than enough balance on the gift card and have entered the security code and expiration date. This happens to big merchants like XXXX and smaller merchants as well. I can confirm that all these merchants accept AMEX as a payment method. Attached pdf contains just a portion of the declined charges that are on the gift card as the merchants can not process transactions due to AMEX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

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 studying 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. These are the accounts : XXXXXXXX XXXX  - XXXX, XXXX - XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  - XXXX, XXXX - XXXX Incorrect DOB - XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Incorrect Address - XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX, GA, XXXX EMPLOYER - XXXX XXXX XXXX EMPLOYER - 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