vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-21 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: VA

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : 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 2024-03-21 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: VA

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : 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 2024-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XX/XX/2022 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 2024-03-21 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: EQUIFAX, INC.
State: PA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>

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 2024-03-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$3700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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: PA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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: Experian Information Solutions Inc.
State: VA

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 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 2024-03-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
15 U.S. Code $ XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later thaXXXX XXXX XXXXness days after the date of receipt. 
It has been more than 30 days, and you are in VIOLATION of this law because I am a victim of identity theftIl Please delete these items IMMEDIATELY! 

XXXX XXXX XXXX 

XXXX XXXX XXXX Account Number : XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY!

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 2024-03-21 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: DC

Complaint narrative:
I need this company to verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e.g. Please send me a certified copy of your license to collect in the XXXX XXXX XXXX. If you purchased this as a debt collections device to make money as a debt collector, thank for paying off the bill. You have XXXX  days to respond with a statement of account with a XXXX balance and remove any and all unlawful on my credit report. Failure to respond in XXXX business days is acceptance and your failure to cure your dishonor will receive my NOTICE AND DEMAND for XXXX in damages for violations to include : Fraud, Extortion, Denial of Right to Happiness

, Dishonor in Commerce, Collusion, Racketeering, Conspiracy, Intimidation, Defamation, TILA violations, FDCPA violation. In accordance with the UCC laws, all Commercial Transactions must be recorded with the Secretary Of State. Also According to the UCC 11 search, I the Consumer do not have any Liens/Debt in my name.

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 2024-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Transunion has XXXX unauthorized and recognizable inquiries on my consumer report that has been cause significant damage to me and my family. Please remove these inquiries immediately!

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 2024-03-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: TX

Complaint narrative:
I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-03-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
Please investigate why American Express XXXX XXXX has the right to withhold my money for two months despite my calling them five times, a total of XXXX hour and XXXX mins, over XXXX months. American Express XXXX XXXX is unable to explain to me why they can not lift the fraudulent alert from my account. 

On XX/XX/XXXX and XX/XX/XXXX, I received a {$7.00} and a {$400.00} American Express XXXX XXXX respectively as rewards for shopping through the XXXX shopping portal. These American Express XXXX XXXX work as a debit card for online purchases. Both cards stopped working shortly after XX/XX/XXXX. 

I started using the {$400.00} card from XX/XX/XXXX to XX/XX/XXXX for XXXX transactions. I have a balance of {$280.00}. 

I used the {$7.00} card once on XX/XX/XXXX. I have a balance of {$4.00}. 

Further transactions were declined for both cards. 

On XX/XX/XXXX, I contacted ( XXXX ) XXXX the number listed on the Virtual card. I was told my card had been XXXX due to fraudulent use. I listed my XXXX transactions : XXXX XXXX and XXXX XXXX XXXX XXXX ( international roaming plan ) transactions. I listed the XXXX transaction at XXXX XXXX, a bookstore, on the other card. None were fraudulent transactions. I asked for an explanation of what the fraud was but they could not tell me. I was told to wait for a resolution. I was given a XXXX ID XXXX. The phone call lasted XXXX min XXXX sec. 

On XX/XX/XXXX, I contacted the same number and was told to wait for a resolution. The phone call lasted XXXX min XXXX sec. 

On XX/XX/XXXX, I contacted the same number and was told to wait for a resolution within XXXX hours. The phone call lasted XXXX min XXXX sec. 

On XX/XX/XXXX, I contacted the same number and was told to wait for a resolution XXXX hours but to count XXXX hours as XXXX working day, or XXXX working days. The phone call lasted XXXX min XXXX sec. 

On XX/XX/XXXX, I contacted the same number and was told to wait for a resolution. The phone call lasted XXXX min XXXX sec. I called again asking to speak with the supervisor. The supervisor promised to resolve this in XXXX days. The phone call lasted XXXX min XXXX sec. 

While funds do not expire, a {$3.00} monthly fee will be assessed against the XXXX balance starting 12 months. I asked for a replacement card but was told this was not possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-21 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: PA

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 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 2024-03-21 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: PA

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: NC

Complaint narrative:
XXXX closed the account with Fortiva on XXXX XXXX XXXX, due to the deceitfulness of XXXXXXXX XXXX account terms. I contacted Fortiva about this account and was informed that the account was closed. XXXX has scheduled to pick up all the equipment on XXXX XXXX XXXX, and not to worry about any issues with the closed accounts as I am currently in Bankruptcy. As a result, Fortiva has retaliated by negatively submitting erroneous credit disparaging information on my credit report. 

I request assistance to stop this harassment and clear up my credit report due to the fact, that I am in Bankruptcy, XXXX has informed me not to worry about my FORTIVA accounts have been closed with no adverse action and request that FORTIVA stop contacting me as well. 

Here 's the agreement between XXXX to cancel the accounts : On Tue, XXXX XXXX, 2024, at XXXX XXXX XXXX XXXX wrote : XXXX XXXX, Thank you for your response. I do want to apologize for the experience you have had with XXXX. XXXX offers the removal of the XXXX equipment for both services. Along with the removal of the equipment XXXX will provide cancellation of the remaining XXXX monitoring contracts and XXXX XXXX XXXX XXXX on both services. 

Please respond directly to this email to accept this offer and move forward. 

Thank you, XXXX XXXX Legal Assistant XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX corporate logo Request FORTIVA to delete the erroneous information on my credit report ASAP and stop contacting me as they charged me excessively. I am a XXXX XXXX  veteran and I am dealing with my XXXX XXXX  and on a fixed income. 
Respectfully, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: Experian Information Solutions Inc.
State: PA

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 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 2024-03-21 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: NY

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 XXXX 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