vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-20 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-20 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: LA

Complaint narrative:
OnXX/XX/2024 I sent a dispute via certified mail through USPS to Experian. They received my dispute on XX/XX/2024 at XXXX. The tracking number is XXXX. I asked for the dispute results to be sent to me by mail and they failed to do that. They sent me my results by email on XX/XX/2024 at XXXX. I also asked upon completion of their reinvestigation, I am also requesting the business name, business address, and telephone number, if available, that was used in connection with this reinvestigation. Lastly, please provide a description of the procedure used. But they have failed to send me the method of verification and based on what I asked for in the letter. I'm publicly asking for Experian to provide me with the verification of the information about these entire accounts that I asked for in my dispute. I believe that there wasn't a true investigation based upon the benefits that Experian and the furnishers that provide this inaccurate and incomplete information on my credit report which is hurting me and my family deeply and financially. I asked that Experian DELETE the following accounts that I sent in my dispute. If the information can't be proven to me to be accurate and complete. I also asked for a copy of my credit file and Experian has failed to send this to me, which I have a right to have access to. The report number from their finished investigation is : XXXX. Please Delete the following account from my credit file : XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2024-03-20 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: TRUIST FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/2024 I sent a dispute via certified mail through USPS to XXXX. They received my dispute on XX/XX/2024 at XXXX. The tracking number is XXXX. I asked for the dispute results to be sent to me by mail and they failed to do that. They sent me my results by email on XX/XX/2024 at XXXX. I also asked upon completion of their reinvestigation, I am also requesting the business name, business address, and telephone number, if available, that was used in connection with this reinvestigation. Lastly, please provide a description of the procedure used. But they have failed to send me the method of verification and based on what I asked for in the letter. I'm publicly asking for XXXX to provide me with the verification of the information about these entire accounts that I asked for in my dispute. I believe that there wasn't a true investigation based upon the benefits that XXXX and the furnishers that provide this inaccurate and incomplete information on my credit report which is hurting me and my family deeply and financially. I asked that XXXX DELETE the following accounts that I sent in my dispute. If the information can't be proven to me to be accurate and complete. I also asked for a copy of my credit file and XXXX has failed to send this to me, which I have a right to have access to. The report number from their finished investigation is : XXXX. Please Delete the following account from my credit file : 1. Regional Acceptance Corp XXXX XXXXXXXX

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 2024-03-20 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: NY

Complaint narrative:
The presence of these fraudulent details violates the regulations set forth in 15 USC 1681C-2. I am formally requesting the removal of these unauthorized and unlawful inquiries from my credit report. These deceptive inquiries not only provide an inaccurate portrayal of my credit history but also expose me to considerable risks concerning my financial stability and reputation. It is crucial to address this issue promptly to protect my creditworthiness and uphold the integrity of my credit report. Therefore, I am seeking the swift removal of these fraudulent inquiries to restore the precision and dependability of my credit profile.

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 2024-03-20 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXX XXXX XXXX Account # : XXXX - XXXX XXXX || Account # : XXXX - XXXX XXXX XXXX Account # : XXXX - XXXX XXXX XXXX || Account # : 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 2024-03-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CARD Corporation
State: MA

Complaint narrative:
I am a XXXX vet I have my XXXX check every month put in to the card.com bank witch is a XXXX XXXX company my last two transactions where in XXXX Massachusetts went to make another purchase an my card was declined so I went on the app an see that my card was overdrawn by XXXX so I looked at the transactions an seen I did not make 32 of the transactions that appeared on my card so I call the card company but there closed on weekends so on Monday morning XXXX XXXX I called to put dispute in was told I was getting a form to fill out by email witch I got was also told to right down all transactions I am disputing an send to them so I did the same day was told a couple days later I was getting a provisional credit on or before the XXXX of XXXX so I waited the XXXX I waited till XXXX my time an called them back before they closed no credit yet an I was told the my dispute was closed an I was responsible For all the transactions an I was not getting any of the XXXX Dollars back an I was also informed that when my next deposit is made I will loss another XXXX for the over draw account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: NY

Complaint narrative:
TransUnion is reporting a bankruptcy on my account. I have spoken with them several times in regards to the incorrect information. They are the only credit bureau reporting this incorrectly.

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 2024-03-20 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: TN

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding a serious issue I discovered on my credit report, specifically related to a repossession that has been erroneously reported by Transunion. My account number on the credit report is XXXX. The reporting agency claims that I have a repossession from XXXX, yet I have not received proper notification about this debt as required by law. 

According to my understanding of consumer rights and fair debt collection practices, I should have been provided with certain notifications regarding this debt. These include but are not limited to : 1. Acceleration Notice : I should have been notified by XXXX that my debt was being accelerated due to non-payment or default. 
2. Opportunity to Cure Notice : Following the acceleration notice, I should have been given a reasonable opportunity to cure the default or make arrangements to resolve the debt before repossession action was taken. 
3. Post-Repossession Notice : After repossession, I should have been informed about the status of the account, any remaining balance, and my rights regarding the debt. 

Since I have not received any such notifications, I am requesting that Transunion and XXXX provide documented proof of the proper notification process. Specifically, I am requesting the certified receipt with my signature on it, demonstrating that I received the necessary notifications regarding this debt. 

Furthermore, I urge you to investigate this matter thoroughly and take appropriate action to rectify the misreporting on my credit report. I request that the account in question be promptly removed from my credit report, as my rights as a consumer have been violated due to the lack of proper notification. 

I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your time and assistance in this important matter. 

Sincerely, XXXX XXXX email : XXXX phone : 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 2024-03-20 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-20 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-20 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: FL

Complaint narrative:
XXXX XXXX Balance {$7100.00} XXXX XXXX XXXX XXXX  XXXX Balance {$8700.00} XXXX XXXX XXXX Balance {$850.00} I am a federally protected consumer who is guaranteed rights and protections pursuant to the FCRA and FDCPA. I provided adequate notice to the Consumer Reporting Agencies ( XXXX, XXXX and Transunion ) that information in my consumer file that I the consumer has identified as information that resulted from an alleged identity theft pursuant to 15 U.S.C. 1681c-2 and provided all appropriate documents as requested. All furnishers of the identified information that resulted from alleged identity theft was on my credit report also received appropriate notice. The FCRA has Prohibition on Sale or Transfer of Debt Caused by Identity Theft pursuant to 15 U.S.C. 1681m ( f ) and 15 U.S.C. 1681s-2 ( a ) ( 6 ). The company has placed a account on my consumer report that was reported as a resulted of alleged identity theft evidence by an FTC identity theft report and a police report this incorporate as apart of this complaint. The Consumer reporting Agency also has a duty to notify me the consumer in written of the reinsertion of any previously deleted information from my consumer file no more than 5 business days after the reinsertion. I HAVE NOT BEEN NOTIFIED. There actions has result in me the consumer suffering embarrassment and emotional harm when i was denied an extension of credit due to your accounts been apart of my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: FL

Complaint narrative:
XXXX XXXX Balance {$7100.00} XXXX XXXX XXXX XXXX  XXXX XXXX {$8700.00} XXXX XXXX XXXX Balance {$850.00} I am a federally protected consumer who is guaranteed rights and protections pursuant to the FCRA and FDCPA. I provided adequate notice to the Consumer Reporting Agencies ( Equifax, XXXX and XXXX ) that information in my consumer file that I the consumer has identified as information that resulted from an alleged identity theft pursuant to 15 U.S.C. 1681c-2 and provided all appropriate documents as requested. All furnishers of the identified information that resulted from alleged identity theft was on my credit report also received appropriate notice. The FCRA has Prohibition on Sale or Transfer of Debt Caused by Identity Theft pursuant to 15 U.S.C. 1681m ( f ) and 15 U.S.C. 1681s-2 ( a ) ( 6 ). The company has placed a account on my consumer report that was reported as a resulted of alleged identity theft evidence by an FTC identity theft report and a police report this incorporate as apart of this complaint. The Consumer reporting Agency also has a duty to notify me the consumer in written of the reinsertion of any previously deleted information from my consumer file no more than 5 business days after the reinsertion. I HAVE NOT BEEN NOTIFIED. There actions has result in me the consumer suffering embarrassment and emotional harm when i was denied an extension of credit due to your accounts been apart of my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: WI

Complaint narrative:
Keeping payments on this account consistently timely has been a priority for me, ensuring they are never overdue. I'm unclear about the basis for the late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections are necessary.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX || Account # : XXXX - XXXX XXXX || Account # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MS

Complaint narrative:
XX/XX/XXXX my car was repossessed for my financial institution by 2 unaffiliated third parties. I had no prior knowledge of these companies until I called to cure the defaulted balance. This company violated my privacy rights by not clearly and conspicuously informing me that my personal information would be disclosed to third parties at the signing of contract or before repossession 15 usc 6802 ( B ) 15 usc 6803. I never received any information on how to exercise my right to not have my personal info disclosed. At the signing of contract XX/XX/XXXX I did give my financial institution permission to access my gps for repossession, however I did not give them permission to share that information. My vehicle was not repossessed at the address my institution has on file. XX/XX/XXXX I called my financial institution and spoke with 3 representatives that informed me that my financial institution hired a third party that hired a third party to come repossess my car. XX/XX/XXXX I called to get the information from my institution on the company that physically had my car and the institution could not release that information to me until I verified who the company was first. The 4th representative did release my car to be redeemed after I explained to her all that was going on. XX/XX/XXXX was the day I had to redeem my vehicle before sold, my financial institution gave permission to the repossession company on XX/XX/XXXX to break into the car and remove my personal items. XX/XX/XXXX after redeeming car I notice all my personal items were not returned to me, including the screws to put tag on the back of car. I was charged {$75.00} + {$10.00} each day my car was held. My financial institution created a debt on my behalf, and forced me to do business with companies I was not comfortable with. My financial institution only wanted to collect the money I owed them, but in order to get info on car location and the company who has it I had to go through the company my FI hired. In order to get that info from the 3rd party I had to verify my personal information, which they had to already have in order to confirm what I provided was accurate. 18 usc 894 my financial institution along with participating 3rd parties conspired, punished, and stole from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

Account Name : XXXX XXXX XXXX XXXX Date of inquiry : XXXX Account Name : XXXX XXXX XXXX Date of inquiry : 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 2024-03-20 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

Account Name : XXXX XXXX XXXX XXXX Date of inquiry : XXXX Account Name : XXXX XXXX XXXX Date of inquiry : 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