vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Re : Dispute of Inaccurate Information on Credit Report Dear XXXX XXXX XXXX  : I am writing to dispute the following items that are appearing on my credit report, which I believe to be inaccurate : 1. XXXX XXXX account information 2. XXXX XXXX XXXX account information 3. XXXX XXXX XXXX  account information Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), I demand that these items be deleted immediately as they are inaccurate and/or unverifiable. 

For the XXXX  XXXX account, the report indicates the account was " Paid in settlement. {$470.00} written off. '' This account appears to have been misreported as a charge-off when, in fact, it was resolved through a settlement. I request that this account be updated to reflect the accurate resolution. 

Regarding the XXXX XXXX XXXX account, the report indicates a {$330.00} past due balance as of XX/XX/XXXX. However, I have no knowledge of this debt and believe it may be the result of identity theft or an error. I demand that this collection account be removed from my credit report if it can not be verified as accurate. 

The XXXX XXXX XXXX account also appears to be a collection account for {$6900.00}. Again, I have no familiarity with this debt and request a full investigation. If this account can not be verified as accurate, I demand that it be deleted from my credit report. 

As these items are negatively impacting my credit, I would appreciate your prompt attention to this dispute. 

Thank you for your assistance. I look forward to your 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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : Dispute of Inaccurate Information on Credit Report Dear XXXX XXXX XXXX  : I am writing to dispute the following items that are appearing on my credit report, which I believe to be inaccurate : 1. XXXX XXXX account information 2. XXXX XXXX XXXX account information 3. XXXX XXXX XXXX account information Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), I demand that these items be deleted immediately as they are inaccurate and/or unverifiable. 

For the XXXX XXXX account, the report indicates the account was " Paid in settlement. {$470.00} written off. '' This account appears to have been misreported as a charge-off when, in fact, it was resolved through a settlement. I request that this account be updated to reflect the accurate resolution. 

Regarding the XXXX XXXX XXXX account, the report indicates a {$330.00} past due balance as of XX/XX/XXXX. However, I have no knowledge of this debt and believe it may be the result of identity theft or an error. I demand that this collection account be removed from my credit report if it can not be verified as accurate. 

The XXXX XXXX XXXX account also appears to be a collection account for {$6900.00}. Again, I have no familiarity with this debt and request a full investigation. If this account can not be verified as accurate, I demand that it be deleted from my credit report. 

As these items are negatively impacting my credit, I would appreciate your prompt attention to this dispute. 

Thank you for your assistance. I look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: PA

Complaint narrative:
I told XXXX XXXX from XXXX XXXX XXXXXXXX  that I was not unlocking my credit report because I have an open identity theft situation going on and to do not process the application if she can not give me a loan from the bank statements from my business and the screenshot of my Credit score from XXXX XXXXXXXX XXXX I rescinded my signature on all documents. She still processed the application without my consent or knowledge. I did not know she processed the application until I received a letter from XXXX XXXX saying I was denied due to my personal credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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:
On XX/XX/year>, I submitted XXXX XXXX  documents to TransUnion and as of today, they have not blocked nor addressed my documents. Furthermore, they state they have lost my data and have 'blacklisted ' me from uploading documents into their computer database. I am attaching all of the documents that I submitted to them and hope you can help them process my documents. 

Thank you, 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 2024-12-27 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:
Recently I obtained a copy of my credit report and noticed several inaccuracies. This account is hurting my ability to obtain credit. It's my understanding that Transunion will investigate this account for me to ensure accuracies. Here is the account I am asking you to verify XXXX XXXX for XXXX $ and XXXX XXXX XXXX XXXX amounting in {$2200.00}.

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 2024-12-27 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. 
XXXX Account Number : 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 2024-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Bank of America is continuing to charge me interest in an account that is paid in full. This is getting ridiculous. 

I had a credit card with a balance, which I fully and completely regret, which I paid off in full in XXXX. Bank of America charged me an additional {$170.00}, which they claimed was " residual '' interest on the account. Now, in XXXX, after AGAIN paying this account in full with the bogus {$170.00}, Bank of America has now charged me an additional {$2.00}. I have not made any purchases on this account and have now paid the account TWICE in full, yet Bank Of America is still continuing to charge me interest. In addition, Bank of America has continued to report to credit agencies that I have over a {$9000.00} balance on this account MORE THAN A MONTH LATER. 

In addition, Bank Of America took at payment on another account of {$120.00} and that account also had a XXXX balance. I am out over {$300.00} of my money by Bank Of America. 

Can you please tell me how to sue Bank Of America for their shady and misleading tactics?

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 monetary relief
Consumer complaint received 2024-12-27 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: AK

Complaint narrative:
I discovered multiple unauthorized hard inquiries on my credit report from XX/XX/year>, which are negatively impacting my credit score. These inquiries were made by XXXX XXXX ( XXXX inquiries ), XXXX XXXX XXXX ( XXXX inquiries ), and other companies, excluding XXXX XXXX, which I did authorize. I did not apply for credit or provide consent for these additional inquiries. The XXXX from XXXX XXXX XXXX has the same contact information.

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 2024-12-27 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: Kikoff Inc.
State: IL

Complaint narrative:
I'm writing to you because I have tried several times to contact kikoff credit services to get this fixed to my understanding per15 usc 1681 ( a ) 2 ( A ) ( i ) that my consumer reports should not solely contain information to transaction and experiences between me the person and kikoff the company further more I have requested that I be provided in writing the reasonable procedure according to 15 usc 1666 b that you adopted to ensure that each periodic statement is mailed to consumer not later than 21 days before payment due date and all information required under 15 usc 1637 ( b ) title 15 and since they have not provided this information I demand this be updated to paid as agreed with no late payments reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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:
I am writing to formally request that all accounts related to my credit file, as outlined below, be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and I believe the following accounts listed on my credit report are a result of unauthorized access. 
Accounts : XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2300.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$41000.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$680.00} XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$41000.00}

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 2024-12-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I never open up this khols account. This account shows multiple different open date from all three-credit bureau. This inaccurate information falsely manipulates the statute of limitations you fail to investigate this account properly after I ask you to do it twice you all have neglect and violated my rights. I am demanding a deletion of the following account XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft.I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ).

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 2024-12-27 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:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft.I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ).

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 2024-12-31 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:
Hi, My Name is XXXX XXXX. I am contacting you to inform you that I am a victim of multiple data breaches from XXXX and A Hospital therefore, I would need all of the accounts on my credit report that have been exposed, compromised, and/or illegal opened to be blocked and permanently deleted pursuant to 15 USC 1681c-2 ( a ) within 4 Business Days

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 2024-12-27 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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:
After reviewing my credit profile I noticed several fraudulent items on my credit report per15 u.s code 1681b permissible purpose of consumer report I have listed all items on my ftc report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: CA

Complaint narrative:
After reviewing my credit profile I noticed several fraudulent items on my credit report per15 u.s code 1681b permissible purpose of consumer report I have listed all items on my ftc report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: MS

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Pacific Retrieval LLC
State: CA

Complaint narrative:
I have been receiving calls from Pacific Retrieval at XXXX requesting I call them regarding a debt. I have never had any contracts or relationship with this company but they fail to provide the requested information. I am requesting all communications be stop as I had filed XXXX in XX/XX/year> and all debts has been cleared. These debt collection companies tried to harass me on accounts they bought from previous accounts I had after the XXXX was approved and cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach. As a result, I request that the following accounts be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened or reported due to unauthorized access to my personal information, and they should be removed from my credit file immediately. 
ACCOUNTS TO BE BLOCKED AND DELETED : XXXX XXXX XXXX XX/XX/XXXX {$10000.00} XXXX XXXX XX/XX/XXXX {$00.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$2700.00XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$240.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$36000.00} XXXX  XXXX  XXXX XXXX XX/XX/XXXX {$4500.00}

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