vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-30 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: PA

Complaint narrative:
I am getting system error prohibiting me from controlling by protective credit freeze on Trans Union. Therefore I am at undue risk because I can not take advantage of their advertised services via Trans Union Service Center. I have been receiving this error for months Sorry, we're having trouble showing the status of your credit freeze right now I have called multiple times. Late in XXXX, someone opned a technical support case and said the issue would resolve overnight. ( XXXX XXXX XXXXXXXX for freezing error - escalating to " special handling '' department System Error- ) On XX/XX/XXXX spoke to XXXX, said it was not escalated to the r '' special handling ''. She claims to have escalated it to special handling and said I will get a call back my cell with 2-3 biz days. I never received a call back. On XX/XX/XXXX I followed up and received the following responses : XXXX. I called to complain and gave my case number. The rep had trouble understanding me and did not speak understandable XXXX and hung up the phone loudly while I was explaining my expectations XXXX. Called back. XXXX did not understand me, then cited call difficulties and hung up. XXXX. Called back. Explained the problems I was having to another agent. The line went silent then terminated. XXXX. Called back and asked for escalation. On hold for XXXX minutes. No response. Each callback requires multiple security prompts and takes several minutes to clear. I am still experiencing the error. 

Started cfpd complaint XXXX. The company responded making false assertions about resolving the technical issues and so informing the federal office responsible for regulation. The company misrepresented the state of the technical issue as well as the dates and times of actions taken per my feedback to that case 's closure. XXXX. THE COMPANY DID NOT RESOLVE THE ISSUE. 
XXXX. THE COMPANY DID NOT INITIATE A PASSWORD RESET AT THE ASSERTED TIME. 

I am still at risk because I can not control my credit report conveniently and with the same expectations other users have via the advertised features on the site that I am enrolled in and should be able to access.

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 2024-07-30 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: CA

Complaint narrative:
FTC report attached. Fraudulent Equifax Inquiries.

I am a victim of identity theft. the information listed below, which appears on my credit report, does not relate to any transactions that i have made. it is the result of identity theft. please block this information from my credit report, pursuant to section 505b of the fair credit reporting act and send the required notiifcations to all furnishers of this information XXXX XXXX... Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To who it may concern, I am sure youd agree accuracy and fairness of credit reporting is a extremely important to all consumers.

Our Congress made the following findings in regards to accurate credit reporting ; ( 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. 

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

( XXXX ) 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. 

Reasonable procedures The fiduciary duties of consumer reporting agencies is not to be taken littlely. All consumer reporting agencies must 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 the Fair Credit Reporting Act. 

Right now USAA is in violation of the Fair Debit Collectiong Practices Act. USAA is intenionally attemping illegal debt collection practices.

I demand a VALIDATION OF DEBT of this alledged debt, pursuant 15 USC 1692g of the Fair Debt Collection Act.

a. Verify original creditor/name and address b. Verify amount and all statements connected to this alledged debt c. Verify any all alledged security interest that USAA is thought to have to have. 
d. Send a XXXX  copy of title stamped copy showing USAA as lien holder. 

XXXX. Send me XXXX XXXX XXXX all findings to verifying me as owing a debt in connection to this alledged debt. 

XXXX. When finding show I owe no debt ; immediatly XXXX  my car loan balance, and remove any and all negative marks in accordance with the Fair Credit Reporting Act.

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 2024-07-30 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: VA

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and 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 2024-07-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: WA

Complaint narrative:
I have 4 fraud transaction on my initial {$500.00} vanilla gift card ending in XXXX. Only the fourth one listed below is refunded back to me, and the first XXXX listed are denied even though these transactions are within 12 months, with a total of {$470.00}. This is a big amount of money and unacceptable Also I've filed a claim with BBB as well with complaint id : XXXX. But they denied the other four. 

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 explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
This is on my credit report. This is how I initially found out about this fraudulent debt they claim belongs to me. This is not my debt and they can not prove it is mine. I have asked for proof and they have sold it so many times they do not have the appropriate paperwork to prove this is mine. I want this removed from my credit report. It is on XXXX XXXX XXXX XXXX XXXX XXXXXXXX. How can this be legal to do this. I have requested multiple times proof of ownership and they fail to send me the correct documentation. I demand this be removed from all three credit reporting agencies This debt apparently originated in XXXX  and that is how long this foolishness has been going on. Every time I submit a dispute or complaint they start the clock over again, meaning the date of debt starts fresh with each complaint, I want this removed immediately or I will hire an attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 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: KS

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

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

I demand the late payment reported to be removed/updated. 

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

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

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-07-31 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: NJ

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 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 Original Creditor : XXXX # XXXX XXXXXXXX XXXX  XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! I will never stop filing complaints against you because I know my rights! 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 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 2024-07-30 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:
I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 
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
Consumer complaint received 2024-07-30 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I am writing to express my deep concern and frustration regarding an error with my credit card report. All XXXX  major credit bureaus have incorrectly reported a significant issue on my credit card account, which has drastically hurt my credit scores. This mistake has caused me emotional distress, as I have always been diligent about managing my finances.This one creditor reported it back to XXXX, it was already deleted on all XXXX  credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Back in XXXX of XXXX, on a Thursday afternoon, sheriff served papers to foreclose on my house. I called HSBC the next day to find out the problem. I called many HSBC offices to resolve the issue. Each time I was told that I didn't have a loan with them. I asked how can they foreclose on me if I didn't have a loan with them. Why couldn't they help when their name, loan #, etc. was on the title of my mortgage. So I never recieved any help from HSBC. I then contacted the attorney representing HSBC and they said I need to I contact the servicing company ( XXXXXXXX XXXX XXXX ) for some understanding. I received very little help from XXXX but was informed that according to their accounting, I hadn't made a payment in XXXX years. I went to my bank and got copies, front & back, of each check for the past XXXX years hoping this would resolve the issue. My personal bank anticipated a problem because no one endorsed the back of my checks. HSBC via XXXX proceeded to foreclose. I got an attorney, went to court and fought this case up until now. I find out that HSBC sold my house back in XXXX of XXXX to XXXX XXXX. The judge said that they couldn't do it, until the case was closed. Now a few days ago my attorney says we lost the case. Where did $ XXXXXXXX XXXX XXXX months go. Who stole it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-07-30 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: GA

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
last month i took a look at my credit report and i found out that i had some accounts that where opened fraudulently. I contacted the bureaus and did exactly what they told me to do but they havent removed the accounts caused by 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 2024-07-30 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 have sent over multiple mailed request for Experian to furnish proof of all information reporting on my credit report. They have failed to do so. The accounts listed below do not belong to me and need to be removed. 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 an account without my written instructions. Delete these invalid accounts immediately, unless you want to be held {$1000.00} per violation. 

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 2024-07-30 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: SC

Complaint narrative:
Upon reviewing my credit reports, I discovered several inquiries that I did not authorize. These inquiries are negatively impacting my credit score and do not reflect any applications for credit or services that I initiated. I have contacted Equifax, XXXX, and XXXX multiple times to dispute these inquiries and have provided all necessary documentation to support my claims. Unfortunately, none of the credit bureaus have removed these unauthorized inquiries from my credit reports, leading to ongoing frustration and potential financial harm. 

Also, I am seeking your urgent assistance regarding a serious issue with Equifax. Equifax is reporting an incorrect Social Security number on my credit report and has repeatedly refused to remove it despite my providing the necessary documentation. 

This error is significantly affecting my credit standing and causing undue stress. I have attempted to resolve this matter directly with Equifax multiple times, but they have not taken corrective action. 

I kindly request your help in addressing this issue and ensuring that Equifax updates my credit report to reflect the correct Social Security number. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief