vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to dispute the collection account listed on my credit report, which is under the provisions of the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692 and the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681. I am requesting validation of the debt you are attempting to collect. 

Here are the specific details regarding the account : XXXX Account Number : XXXX High Balance : {$3100.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3100.00} Closed Date : XX/XX/XXXX Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Bank Credit Cards Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off as bad debt ; Dispute resolved; reported by grantor Original Creditor : Not specified Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Credit Limit : {$2500.00} I am requesting validation of this debt as per my rights under the FDCPA and FCRA. Please provide the following documentation : Verification of the debt, including the original creditor 's name and address. 
Proof of your authorization to collect this debt. 
Documentation showing the agreement between me and the original creditor regarding this debt. 
A complete payment history, detailing all transactions associated with this account. 
Any agreements or contracts pertinent to this debt. 
Please be aware that reporting unverified or inaccurate information to the credit bureaus violates the FCRA. If you can not provide substantial validation of this debt, I demand that you remove it from my credit report immediately. 

I expect a response within 30 days of the receipt of this letter, as required by the FCRA. Failure to provide adequate validation within this timeframe will result in further actions to protect my rights, including filing complaints with the Federal Trade Commission and the Consumer Financial Protection Bureau. 

Thank you for your prompt attention to this matter. I look forward to your timely response.

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Block, Inc.
State: MI

Complaint narrative:
I received a Cash App credit card in the mail that I did not request. I have had identity theft over a year and a half ago and I have fraud alerts on my credit report that required financial entities to contact me prior to approving or extending credit. Other companies have followed this protocol but Cash App extended the credit without my authorization. I contacted CashApp to report the fraud, but couldnt talk to anyone in the fraud department without sending them and email with a laundry list of details. it took a week and a half for them to respond to my second email and now they are requesting I take a picture of the front and back of my drivers license and a picture of myself holding the drivers license and providing the last four digits of my social security number. Why am I having to jump through hoops when it was their company that did not follow the protocols that are in place to protect fraudulent credit applications and I do not feel comfortable sending them my drivers license and a picture of myself holding the license.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: AL

Complaint narrative:
I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent inquiries in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX inquiry date XX/XX/XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX  XXXX inquiry date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: TX

Complaint narrative:
I checked my credit profile and noticed that I had inquiries that didn't belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax had the wrong social security number on my account. Which show me having credit cards Im not aware off. After showing proof of my real social, equifax didnt take the accounts off related to the old wrong social security number. So I disputed, equifax said they proof that those was my accounts. So I called all the account and they all said they have nothing with my name or social security number attach to it. I gave the company the other social and they said it someone else. So I disputed again and seen that most inquiries were taking off and maybe 1 account. Equifax have done nothing to help me. He keep saying these accounts belong to me and the companies saying now. The other two credit companys XXXX and XXXX does not have these accounts. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
am writing to dispute the inaccurate information listed on my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681. I request that this incorrect information be promptly deleted from my credit report. 

Below are the details of the erroneous information : XXXX Account Number : XXXX High Balance : {$60000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$15000.00} Closed Date : XX/XX/XXXX Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Miscellaneous Banks Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off as bad debt ; Profit and loss write-off Original Creditor : Not specified Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : 72 Month ( s ) Past Due Amount : {$15000.00} Account Type : Auto Loan Payment Frequency : Monthly ( every month ) Credit Limit : {$0.00} It is evident that there are discrepancies in the reported information, including but not limited to the balance owed and the status of the account. Therefore, I request that you investigate this matter and promptly remove the inaccuracies from my credit report. 

Please be reminded that under the FCRA, consumer reporting agencies are required to ensure the accuracy of the information they report. Any failure to comply with this requirement may result in legal action. 

I kindly request that you provide me with a written explanation of the actions taken to correct this error and confirm the removal of the inaccurate information from my credit report. 

I expect a response within 30 days, as mandated by the FCRA. Failure to rectify this matter within the stipulated timeframe will leave me with no choice but to pursue further legal remedies. 

Thank you for your attention to this matter. I anticipate a prompt resolution.

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 2024-04-24 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: NC

Complaint narrative:
This company XXXX XXXX XXXX XXXX is in direct violation of this law. 
15 U.S. Code 1692e - False or misleading representations. The Law clearly states : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. 
I never received any communication CERTIFIED MAIL WITH MY SIGNATURE AS PROOF I RECEIVED THIS COMMUNICATION OR ANY ORAL COMMUNICATION THAT HAS BEEN RECORDED WITH MY VOICE AS CONFIRMATION. If you can not produce this communication that was sent certified mail to me or any oral recording with my voice showing I have received this communication you are in violation of this law and this debt from XXXX XXXX XXXX XXXX is reporting inaccurately.

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 2024-04-24 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: OH

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity and SSN Card.

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 2024-04-24 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: OH

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity and SSN Card.

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 2024-04-24 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: CA

Complaint narrative:
This is my 3rd or 4th attempt to dispute these two items on my credit report. They are not my accounts, they do not belong to me. I have no knowledge of opening these accounts, and I do not have any legal binding contract with this company. I have asked for verification to show that this account belongs to me and I have not received it yet. TransUnion stated that the account was verified and reporting accurate which was not true. I disagree with these accounts listed below which is still showing and reporting inaccurate information on my credit report, even after re investigation. I used my consumer rights and ask to show me what method they used to verify these account and the names and address of the people used to verify these account and Trans Union have yet to respond with my requested information. They keep say verified but cant show me how or why. These accounts do not belong to me, I have filed a identity theft report as well stating these accounts are not mine and I may have been a victim of identify theft .These inaccuracies are highly affecting my credit score 1. XXXX XXXX XXXX Account # XXXX for the amount of {$810.00}. 2. XXXX XXXX XXXX Account # XXXX for the amount of {$1300.00}. Please delete these inaccurate accounts from my credit report, these are also fraudulent accounts that does not 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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On, XX/XX/year>, a Consumer Credit company called me because TransUnion informed them without my permission person information concerning the amount of debt I owed. 
The Consumer Credit company then proceeded to market their product 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 2024-04-24 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: CA

Complaint narrative:
I was reviewing my credit report and noticed that there were inquires that I didn't not authorize. I noticed a collection that was fraudulent.

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 2024-04-24 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: TX

Complaint narrative:
To whom it may concern, There is information on my consumer credit report that is a result of identity theft. 

I didn't provide written permission or instructions for identification transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 

My request to block is not being made in error : or is my request to block being made on the basis of a material or misrepresentation of fact by me relevant to the request to block the information related to any transaction by me the consumer. 

Please remove the following accounts/Inquiries listed in the FTC report . For convenience sake I have included proof of my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TFS FINANCIAL CORPORATION
State: CA

Complaint narrative:
I already filed a complaint, and despite the agreement of fact that their system had a failed to perform as scheduled, they responded to cfpb that everything worked perfectly. This is factually wrong. 
Previous case : XXXX : **************************************************************** I have had the mortgage for many years, and had set up automatic payments. Initially I has some problems with automatic payments as Third Federal would refuse payments directly to the mortgage account number. They could not fix this. I also had a separate account with them, and I set up automatic payments to go to that account instead, and then automatically forward to the mortgage account. This worked every month for many years. The bank then changed something in their system without notifying me, and the transfer was rejected. I noticed the error a bit more than a month later, and corrected it, but they already reported the missed payment. My credit score when from excellent to bad. I also lost money due to fees and interests falsely charged against me. I have not been able to reswolve this, and I have not found anyone to talk to that can tell me why the bank failed me, and why they will not take responsibility for their defect. They said they tried to reach me. I was never contacted. I am easy to reach by phone, email, letter or any other way, and resolved it as soon as I discovered the banks error. 
******************************************************* Now, updated case requesting them to show why the transactions failed : Instead of the bank just answering " We did nothing wrong '', I would like them to 1. look at the log for the automatic payments for XXXX and XXXX. The payments was scheduled for automatic transfer internally, this automatic payment schedule had worked every month for many years, and now they failed. 
2. Document why these payments failed. 

It is not an acceptable answer to just say " we had everything working correct ''. So please ask Third Federal give a real answer as to how the automatically scheduled payment all of a sudden did not happen in the same way it had worked every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE! Attached you will also find my ID as proof of my identity.

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 2024-04-24 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:
I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you verify the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
They said any inquiry can be on your record for seven years also reported on here you clearly look at my report and see I will go to arbitration if this is not off my report within the next month And I know a charge of is gross or ordinary income it is Cancel Debt and not supposed to be on my credit report any on any reporting agency report and reports Credit Under fairness and accuracy of reporting a charge off can not be on my consumer report. IRS even says is gross ordinary income can not be reported on my consumer credit report

Company response to consumer: Closed with non-monetary relief