vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 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: IL

Complaint narrative:
I submitted CFPB complaint regarding XXXX XXXX and Transunion XXXX for the accuracy of the information being reported on my credit report by XXXX XXXX Services. I provided dates of all the discrepancies and consistent errors over the past 3 years. I then requested the record be removed from my credit report due to the damage it continues to do to my credit worthiness. 

I am entitled to a fair investigation into the disputed information under Section 623 of the Fair Credit Reporting Act ( FCRA ), aiming to correct errors and ensure the accuracy of my credit report. 

Both Transunion and XXXX continues to violate these rules. The willful non-compliance and FCRA violations of Transunion and XXXX are causing significant harm to my financial well-being. An investigation was not completed to determine the errors. An investigation was completed to determine if the account was valid.

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 2024-03-07 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: CA

Complaint narrative:
I know knowledge of XXXX  account.can a devil be honest for once.account 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 2024-03-07 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: CA

Complaint narrative:
I know knowledge of XXXX  account.can a devil be honest for once.account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: CA

Complaint narrative:
I know knowledge of XXXX  account.can a devil be honest for once.account 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 2024-03-07 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:
Please take a look at the attached letters and ID docs for verification that it is XXXX 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 2024-03-07 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: FL

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XX/XX/2024 Equifax Headquarters XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX Dear sir, I have received two letters from your company offices addressed, Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX and XXXX XXXX XXXX, XXXX, GA XXXX XXXX Both dated XX/XX/XXXX of XXXX. The latter office asked me to submit one government issued ID and one item to validate my address for the security freeze on Equifax credit report. I believe I have submitted enough documents for that, I will do it again. Since I am sole XXXX  and XXXX, I do not have any utility bill, pay stub, W2 or 1099 as one item to validate my address. Since I will submit the copy of my drivers license, I need one document as one government issued ID. I do not have any state issued ID card and birth certificate, since I am a XXXX XXXX. And if I will submit the latter, it might mean in XXXX. If I need to submit one translated in XXXX with XXXX XXXX  from the XXXX consulate in XXXX, it cost more than {$30.00} as far as I remember, I do not want to spend so much money, since I believe I spent much money for the filing to district court of NJ, which I was asked to file by the court, and all of these mailing costs which must be more than one XXXX now. Therefore, I will submit the copy of my XXXX passport, since at least it does not cost at all. Along with them for the security freeze, both offices asked me to submit my social security number. The former office was for the initial fraud alert. The latter was to locate a credit file in [ their ] database with [ my ] identification information, in order to further assist [ me ], with which, I am not sure when I have asked the assistance from this office at all. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: AL

Complaint narrative:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: AL

Complaint narrative:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: 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 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 2024-03-07 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: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX 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 non-monetary relief
Consumer complaint received 2024-03-07 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: 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 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 explanation
Consumer complaint received 2024-03-07 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: NV

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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 non-monetary relief
Consumer complaint received 2024-03-07 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed that an account was not reporting accurately. I had two late payments on an account that it was in fact paid on time. The consumer reporting agencies have need to report all information with the correct accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/2024 ). I'm now requesting for you to investigate and provide verifiable proof withs records showing that I had late payments. if this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. 
XXXX XXXX  Acct # 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 2024-03-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
While reviewing my credit card activity online, I came across a concerning discrepancya debt collection entry attributed to Jefferson Capital Systems, purportedly stemming from an outdated account with XXXX, dated XX/XX/XXXX. It's worth noting that XXXX ceased operations back in XXXX, rendering the date invalid. All my current accounts are up to date, and the account Jefferson Capital Systems is referencing, allegedly from XXXX in XXXX, falls well beyond California 's statute of limitations on debt, which stands at 4 years according to the state 's Civil Procedure 337. 

Moreover, Jefferson Capital Systems lacks the necessary licensing to pursue collections in the state of California, as they are licensed in the state of Minnesota. According to California regulations, out-of-state agencies must hold a valid California collection license to operate within the state 's jurisdiction. 

Lastly, should this collection claim prove legitimate, I demand access to the original contract bearing my signature, substantiating any alleged debt owed to Jefferson Capital Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
In accordance with the fair credit reporting act, under 15 U.S.C 1681s-602 it states I have the right to privacy and this creditor has violated my rights. 15 U.S.C s-604 ( a ) s-2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I filed my tax return through XXXX XXXX XXXX, when filing I was offered a refund advance for signing up for a new Credit Karma Money account. I received an email from Credit Karma informing me my new account was active and once the IRS and FTB accepts my return the refund advance would be deposited into my Credit Karma Money account. The {$500.00} refund advance was deposited into my account on XX/XX/XXXX when the IRS and FTB accepted my return. On XX/XX/XXXX the FTB deposited my CA state refund into the Credit Karma money account. That same day I linked my XXXX XXXX XXXXXXXX account and initiated a funds transfer from XXXX XXXX XXXXXXXX XXXX Credit Karma Money account in the amount of {$780.00}. The deposit was scheduled to clear on XX/XX/XXXX. On XX/XX/XXXX I linked my Credit Karma money account to my XXXX account and initiated a transfer of {$400.00} from XXXX to Credit Karma money account. On this same day I received my new Credit Karma debit card, I activated the card and set up a new PIN. That night I made a gas purchase with by Credit Karma debit card using my PIN without issue. On XX/XX/XXXX I received an email from Credit Karma money that my account had been frozen as a security measure and await an email with next steps to have the freeze removed and if I needed immediate assistance to contact Credit Karma support. I used their chat and I was informed that I would have to wait for an email from their higher department. I waited all day, the next morning on XX/XX/XXXX I received an email to submit my Drivers license and a selfie via a secure link included in the body of the email. It has been 3 days now. I've made multiple calls and sent emails and have no resolution. My bills are late and my landlord has begun the eviction process on me all because I can not access my funds to meet my financial obligations. This is causing me undue hardship and effecting my mental health with XXXX  is causing. I need help to get them to unfreeze my account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC
State: MD

Complaint narrative:
DEAR WESTLAKE FINANCIAL I HAVE NEVER SIGNED A CONTRACT WITH YOU. YOU ARE REPORTING ACCOUNT # XXXX TO MY CONSUMER REPORT. PROVIDE PROOF OF A SIGNED CONTRACT WITH MY SIGNATURE WITH WESTLAKE FINANCIAL AND THE SERVICE YOU PROVIDED!!! & OR THE PURCHASE AGREEMENT OF ACCOUNT # XXXX. FAILURE TO DO SO WILL SUFFICE AS INVALIDATION OF THE DEBT YOU ARE REPORTING. 

BEST, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-03-07 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: TX

Complaint narrative:
TransUnion, XXXX, and XXXX is reporting inaccurate information on my consumer report. My name is XXXX XXXX there should be no other name listed on my consumer report. My address is XXXXXXXX XXXX XXXX XXXXXXXX TX XXXX there should be no other address listed on my consumer report. Each credit bureau is listing different information other than whats correct. The below information needs to be removed immediately. 

TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2024-03-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I hope this letter finds you well. I am writing to address a discrepancy on my credit report concerning a late payment that has been inaccurately reported. Upon reviewing my credit report, I noticed that there is a record of a late payment that does not accurately reflect my payment history. 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