vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-06 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: NV

Complaint narrative:
I am submitting a formal complaint against TransUnion for their repeated failure to respond adequately to dispute letters that I mailed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In these letters, I requested investigations into inaccurate items on my credit report, including entries for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and a listing from the U.S. Bankruptcy Court under number XXXX. Additionally, I disputed incorrect addresses and a name listed on my credit report.

To assist TransUnion in verifying my identity and address, I diligently included copies of my photo ID, social security card, and a recent bill with my current address. 

Regrettably, I received responses from TransUnion, dated XX/XX/XXXX, and XX/XX/XXXX, indicating that they were unable to process my requests because it did not appear to have been sent directly by me or an authorized third party. This response suggests a failure on TransUnion 's part to acknowledge the legitimacy of my dispute and comply with their obligations under the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, credit bureaus are required to conduct a reasonable reinvestigation when the completeness or accuracy of any information is disputed by the consumer. It is evident that TransUnion has failed to fulfill this obligation, thereby violating my consumer rights. 

Enclosed with this complaint are copies of the dispute letters I sent to TransUnion, along with their responses, serving as evidence of my attempt to address inaccuracies in my credit report and TransUnion 's failure to conduct a proper 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 2024-02-06 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: NJ

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

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 2024-02-06 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: NJ

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I XXXX XXXX am writing because I recently received a copy of my 3 credit report, and I noticed the account was charged off and posted on my credit report : XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? NO I DID NOT. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above charge off from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking { {$1000.00} } per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2024-02-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management
State: IN

Complaint narrative:
I was notified that there was a collection on my credit report. I have never heard of this company and do not owe any debt to them. I have never been notified and this needs to be removed from report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: OH

Complaint narrative:
This company has been calling every day multiple times a day from different numbers for months. Sometimes back to back. It is excessive, and has become extremely disruptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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:
Entries are unauthorized and reporting as past due XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations of 15 USC 1602 ( p ), 15 USC 1666b ( a ), 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), 15 USC 1681s-2 ( a ) ( 7 ) ( A ) ( i ), 15 USC 1602 ( k )

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 2024-02-06 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: Self Financial Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 6o2 states I have a right to privacy. 15 USC 1681 section 6o4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b 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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My mortgage from XXXX XXXX XXXX XXXX was removed by Equifax from my credit report. This was done on purpose by Equifax to lower my credit score/rating. Per XXXX XXXX XXXX XXXX, they are reporting and have always been reporting my mortgage to Equifax. Equifax needs to put this account back on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There has been an unauthorized account opened under my name. I am a victim of identity theft and have filed reports with the FTC, local law enforcement, and as well as my bank. 

Someone has used my personal information to fraudulently open an account with J.P. Morgan Chase Bank. I have contacted them before to try to get them to help me resolve this issue but was faced with neglect of my consumer rights every time. 

Also, I reached out to the credit report agencies XXXX and XXXX multiple times previously to notify them of this situation I am dealing with. Yet, they as well, are neglecting me my consumer rights are refuse to make the correction to my credit report. 

Their noncompliance has taken a toll on my credit and has made my life difficult since it is harder to find housing, due to their mistakes that they deny to correct. 

The subjected accounts details are below : JPMCB CARD XX/XX/2020 {$2700.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
I have disputed it XXXX to 4 times through XXXX and XXXX XXXX. They continue to say that it is validated in my debt. However, they will not show me any proof that it is it is absolutely not my debt and I want it removed from my credit report they have threatened me over the phone. They have called my job. They have harassed me numerous times of the day while Im at work they will not

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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:
Entries are unauthorized and reporting as past due XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Violations of 15 USC 1602 ( p ), 15 USC 1666b ( a ), 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), 15 USC 1681s-2 ( a ) ( 7 ) ( A ) ( i ), 15 USC 1602 ( k )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: AL

Complaint narrative:
XXXX XXXXXXXX XXXX has solid my information on an old account from year XXXX that I personally closed myself in XXXX and they are improperly reporting negativity ( {$73.00} ) to my credit report which is not fair to my consumer report it is incrimination of my character an holding me back from opportunity I would like it deleted expeditiously, thank you

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 2024-02-06 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: AL

Complaint narrative:
XXXX XXXX XXXX has solid my information on an old account from year XXXX that I personally closed myself in XXXX and they are improperly reporting negativity ( {$73.00} ) to my credit report which is not fair to my consumer report it is incrimination of my character an holding me back from opportunity I would like it deleted expeditiously, thank you

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 2024-02-06 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: TX

Complaint narrative:
I am filing a complaint against TransUnion for their failure to respond to a dispute letter that I mailed on XX/XX/2023, requesting an investigation into inaccurate items on my credit report. Specifically, I disputed entries for XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXXXXXX XXXX XXXX XXXX, and a listing from the U.S. Bankruptcy Court under number XXXX. Additionally, I disputed incorrect names listed on my credit report. 

In my dispute letter, I included a copy of my photo ID, social security card, and a recent bill with my current address to assist TransUnion in verifying my identity and address. 

Unfortunately, I received a response from TransUnion dated XX/XX/2023, indicating that they were unable to process my request because it did not appear to have been sent directly by me or an authorized third party. This response suggests a failure on TransUnion 's part to acknowledge the legitimacy of my dispute and comply with their obligations under the Fair Credit Reporting Act ( FCRA ). 

As per the FCRA, credit bureaus are required to conduct a reasonable reinvestigation when the completeness or accuracy of any information is disputed by the consumer. It is evident that TransUnion has failed to fulfill this obligation, thereby violating my consumer rights.

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 2024-02-06 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: AZ

Complaint narrative:
I have not authorized the creation of these accounts and believe they are potentially fraudulent. Please review them and ensure they are promptly removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: AZ

Complaint narrative:
I have not authorized the creation of these accounts and believe they are potentially fraudulent. Please review them and ensure they are promptly removed from my credit 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 2024-02-06 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: NJ

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

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 2024-02-06 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: IL

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: NY

Complaint narrative:
I am a XXXX woman with XXXX XXXX in XXXX of last year my card was hacked for {$110.00} all at the XXXX XXXX XXXX for video game purchases I do not play video games I said and they denied my claim okay and then I found to purchases from XXXX that I have no record up in my purchase history XXXX in XXXX and XXXX and they agreed with that sent them the paperwork stating they backed my claim they gave me the {$440.00} back but actually it was {$480.00} and just yesterday they took that money back which will no notification which left me unable to pay my rent and take care of my therapy pets I'm arguing with them because they're saying it's a dare denied the claim and I'm not the only person that has been hacked between XXXX and XXXX XXXX people in my complex ( I live in XXXX XXXX  ) were hacked and they refused all their claims a good friend of mine was hacked 2 months in a row now XXXX needs to do something about this and this company refuses to pay anybody back even if the claim is founded I'm on XXXX it's all the money I get under done giving me the money back and then turning around and taking it with no notification has left me in a very bad position for this month and they don't care if you would like to talk to me further about this my name is XXXX XXXX my phone XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
I never did any business with Porfokio Recovery Accociates.I dont have a valid contract with this company! They dont have receipts or records of me applying for credit with company.I never paid a dollar to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
In XX/XX/2023 someone sign up for a Chase credit without my permission and Chase denied the application said my credit score was a XXXX. I called and reported it, someone told me to lock my account so I did that and I noticed today my credit score dropped down again I been trying to rebuild my credit score. I need to know if I lock my credit does that affect my credit score being hit again it was hit back in XXXX now again because of someone doing some hateful low down stuff. I havent had a credit card in 9 year. Please can you get back in touch with me asap and have a wonderful day. Address is XXXX XXXX XXXX. XXXX Ohio XXXX XXXX or XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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 respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation. I've attached the required documentation to validate my stance.

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 2024-02-06 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 did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: IL

Complaint narrative:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

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 2024-02-06 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: MS

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: IL

Complaint narrative:
I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.

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 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I urgently request an update to my account since I've consistently made timely payments. The current situation is causing me stress and concern.

Company response to consumer: Closed with explanation