vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-21 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: NV

Complaint narrative:
On XX/XX/2024 and XX/XX/2024, I sent letters regarding reported accounts without my consent. It violated my rights as a consumer. It affects my score and my credibility as a consumer.

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 2024-05-21 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: NV

Complaint narrative:
On XX/XX/2024 and XX/XX/2024, I sent letters regarding reported accounts without my consent. It violated my rights as a consumer. It affects my score and my credibility as a consumer.

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 2024-05-21 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: KS

Complaint narrative:
My wallet was stolen out of my vehicle in XX/XX/XXXX. All my credit cards were stolen out of it. This includes my XXXX XXXX XXXX credit card. I disputed charges, transferred the balance to an entirely new account with a new card, and closed the account that had been stolen. I have been paying the balance on the new account without any issues. However, TransUnion notified me that XXXX XXXX XXXX in fact did NOT close that account until XX/XX/XXXX, and that Market is reporting it as past due and hitting my credit dropping it significantly. They also didn't eliminate the charges that were fraudulent. They, however, removed my access to this account so I can't see anything from the old account. They are refusing to provide copies or proof of any charges or balances and the dates associated. I have called numerous times. It isn't possible for me to pay a XXXX balance on an account that was supposed to be closed due to fraudulent charges on that account, which also I happen to NOT have access to. They are claiming a balance exists on this old account but can't provide any proof of why it exists because the entire balance had been transferred to a new account. There were fraudulent charges on the old account that were supposed to have been reversed. They are refusing to close this old account and damaging my credit. I wasn't even notified by XXXX XXXX XXXX that they were doing this. I was notified by TransUnion. This is blackmail and fraud. I have police report numbers if necessary.

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 2024-05-21 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: LEXISNEXIS
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. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have had an American Express Card for a number of years. I've used it only for XXXX air travel which I've largely stopped since XXXX. My wife usually pays our bills and I found out a few months ago she's been paying a {$7.00} monthly fee. I thought the card was charge free and called, the charge was a monthly bill from XXXX. However I have no XXXX service. 
I called American Express, they indicated they couldn't help that I needed to take it up with XXXX I called XXXX but they had no record of me having a service contract with them and said they couldn't help. I cancelled my American Express last month. 
Now I ' m getting bills from American Express for XXXX charges AND a late fee. When I live chatted with American Express just know they said I needed to take it up with XXXX. 
Why should I pay for services I don't receive and late fees on top of it??? 

I've had a few false charges on my XXXX XXXX but never had problems getting them sorted out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AAA Collections
State: ND

Complaint narrative:
Recieved a letter around XX/XX/2024, stating that I owe a debt for XXXX and gave me a total of {$920.00}. I emailed them on XX/XX/XXXX acknowledging that I received the letter and asked when the debt was from. I asked them to provide more information as I did not believe that the debt was correct. I never received a response. On XX/XX/2024, I received another letter saying that the payment was due and that I now owe {$930.00} with none of the information that I had requested in order to verify that I owe this debt. I emailed them a second time the same day stating that I never received verification and asked for it again.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: FL

Complaint narrative:
I pulled a copy of my credit report and noticed erroneous information that needs to be UPDATED and DELETED. Under 15 USC 1681e ( b ) and 15 USC 1681n, Please update my personal information immediately. Also, Under 15 USC 1681c-2 there is fraudulent information on my credit report that needs to be immediately DELETED as a clear result of identity theft/alleged identity theft as I DID NOT originate nor authorize these accounts to be listed on my credit report. Please see attached Identity Theft Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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: FL

Complaint narrative:
I pulled a copy of my credit report and noticed erroneous information that needs to be UPDATED and DELETED. Under 15 USC 1681e ( b ) and 15 USC 1681n, Please update my personal information immediately. Also, Under 15 USC 1681c-2 there is fraudulent information on my credit report that needs to be immediately DELETED as a clear result of identity theft/alleged identity theft as I DID NOT originate nor authorize these accounts to be listed on my credit report. Please see attached Identity Theft Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2024-05-21 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: OK

Complaint narrative:
They are refusing to acknowledge my written verification letter sent on XX/XX/2024. No valid or competent proof of obligation to pay on this alleged debt that I do not acknowledge. How much was the debt purchased for? How was information that's illegal to sale provided?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: KS

Complaint narrative:
Midland credit management has started attempting to contact me again regarding an old debt that I disputed the validity of. I asked them to send all communication in writing and now they are calling me from various phone numbers throughout the day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have had several name changes, and it seems the bank believes my account was opened fraudulently. However, I have provided all my original documentation in person at the bank, but they never resolve the issue. I am tired of this situation, and all I want is for the blocked account to be closed and my deposited money to be reimbursed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: AZ

Complaint narrative:
In XXXX of XXXX a mortgage ran a credit report through XXXX that i authorized to get a quote for a mortgage. I found out that there were several outstanding fees from multiple companies and a credit card that I had no knowledge of opening. I reached out to all the different companies and was able to get them resolved for the most part. The collections company LJ Ross Assoc does stick to my credit and I am not able to get to a resolution through them about resolving this issue due to the account was opened without my knowledge. 
LJ Ross is a debt collector that the original creditor, XXXX  XXXX, opened a collections for the amount of {$900.00} that, again, I have no knowledge of who opened and used this account. From the credit report I can see that the account was opened XX/XX/XXXX and used until about XX/XX/XXXX. 
A new address was placed under my SSN on XX/XX/XXXX without my knowledge. I dont know of anyone in/around nor have I ever personally been to that address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. 
I have reported it in XX/XX/XXXX and XX/XX/XXXX. 
I have tried to dispute it many times.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
Truist Bank- {$10000.00} was deposited into my account. I was informed almost have would be held for 10 days. That is totally outrageous. Not only that, it was a bank/cashier 's check!! This is not 1970. I spoke to two separate people at the local branch and corporate. They both laughed me off saying it was too bad because they have the right to do that. On top of that, I have no negative history at the bank.

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are UNAUTHORIZED and FRAUDULENT inquiry on my credit report ( XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX ). I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Roadrunner Account Services, LLC
State: TX

Complaint narrative:
I took out an installment loan XX/XX/XXXX for a XXXX XXXX XXXX and paid it off XX/XX/XXXX. 
It was originally reported to the credit bureaus as a closed account a caused my score to decrease. 
The account was paid as agreed on time every month. Never any late payments. 
I do understand the account is closed but no comments added detailing my payment history. This account was paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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:
MY PERSONAL INFORMATION WAS STOLEN 2019 AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

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 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 


I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED. THERE SHOULD ONLY BE ONE ADDRESS BEING REPORTED TO MY CONSUMER PROFILE. I ADVISED THIS AND THERE ARE STILL BEING LISTED

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 2024-05-21 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: FL

Complaint narrative:
I was trying to rent a house and i realized that i had damages on my credit report according to the ( 15U.S.C 1681 ). Ive Also Paid Off collections that still Havent been removed off my account per Agreement to do so With Hard Inquiries That where made by a Car company i told to Not run my Credit Did exactly what i asked not to do. These companies are Reporting Fraudulent and inaccurate information on my credit report. I have Asked to show full proof of agreement to show ownership of such account and also other documents that could prove that those account belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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: FL

Complaint narrative:
I was trying to rent a house and i realized that i had damages on my credit report according to the ( 15U.S.C 1681 ). Ive Also Paid Off collections that still Havent been removed off my account per Agreement to do so With Hard Inquiries That where made by a Car company i told to Not run my Credit Did exactly what i asked not to do. These companies are Reporting Fraudulent and inaccurate information on my credit report. I have Asked to show full proof of agreement to show ownership of such account and also other documents that could prove that those account belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: NJ

Complaint narrative:
According to FCRA 605B, any inaccurate accounts must be removed from my credit report. This particular account is being reported incorrectly, so please take it off my credit file. I am entitled to {$1000.00} for each erroneous report on my credit file.

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I dispute an accurate at the beginning of the month and sent 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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I dispute an accurate at the beginning of the month and sent 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 2024-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute the validity of the debt collection attempts made by your agency.I am unaware of this debt and have not had an opportunity to dispute it due to lack of proper notification.It is my right, under the Fair Debt Collection Practices Act ( FDCPA ), to be properly notified of any debt before collection activities begin.If you believe that I received proper notification, I kindly ask that you provide the certified mail with a receipt containing my signature confirming receipt of the notification letter. Without such evidence, I dispute the claim that proper notification was provided. 

This account is only showing on this transition credit bureau which is illegal. Its also illegal to reinsert a past deletion. 
Account name : Bank of America Charge Off

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I've been diligently safeguarding my credit by utilizing at least XXXX to XXXX credit monitoring services. However, ever since I engaged with XXXX XXXX XXXX, fraudulent attempts to open accounts across the XXXX have become a daily ordeal. These perpetrators have severely impacted my XXXX credit bureau with their deceitful activities. To the representative handling this, I understand that many individuals make false claims, but my situation is dire. They possess my emails, bank details, personal information, including my name, birthday, and even my social security number. I urgently need assistance to halt this relentless cycle of identity theft, as it has wreaked havoc on my life. There's an unauthorized inquiry on Experian from XXXX XXXX remove it promptly, as these individuals apply for something in my name almost every other day.

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