vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told/informed XXXX, Transunion, and XXXX to reinvestigate and or remove these accounts : FRAUDULENT XXXX, TRANSUNION, XXXX ACCOUNTS XXXX XXXX. XXXX XXXX XXXX {$2000.00} * Account # : XXXX * Date Opened : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX {$190.00} * Account # : XXXX * Date Opened : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX {$710.00} * Account # : XXXX * Date Opened : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX {$710.00} * Account # : XXXX * Date Opened : XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$940.00} * Account # : XXXX * Date Opened : XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX > {$2200.00} * Account # : XXXX * Date Opened : XXXX, XXXX, XXXX FRAUDULENT HARD INQUIRIES : XXXX. XXXX XXXX XXXX XXXX Date Opened : XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX. XXXX XXXX * Date Opened : XXXX XXXX, XXXX XXXX. XXXX XXXX * Date Opened : XXXX, XXXX, XXXX In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Profile. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : 15 U.S.C. 1681s-2 ( A ) ( 1 ) [ A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n, 15 U.S.C 1602p, 15 U.S.C 1681, 15 U.S.C 1666b.

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 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told/informed XXXX, XXXX, and Equifax to reinvestigate and or remove these accounts : FRAUDULENT XXXX, XXXX, EQUIFAX ACCOUNTS XXXX XXXX. XXXX XXXX XXXX {$2000.00} * Account # : XXXX * Date Opened : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX {$190.00} * Account # : XXXX * Date Opened : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX {$710.00} * Account # : XXXX * Date Opened : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX {$710.00} * Account # : XXXX * Date Opened : XXXX, XXXX, XXXX XXXX. XXXXXXXX XXXX XXXX XXXX {$940.00} * Account # : XXXX * Date Opened : XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX > {$2200.00} * Account # : XXXX * Date Opened : XXXX, XXXX, XXXX FRAUDULENT HARD INQUIRIES : XXXX. XXXX XXXX NA * Date Opened : XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX. XXXX XXXX * Date Opened : XXXX XXXX, XXXX XXXX. XXXX XXXX * Date Opened : XXXX, XXXX, XXXX In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Profile. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : 15 U.S.C. 1681s-2 ( A ) ( 1 ) [ A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n, 15 U.S.C 1602p, 15 U.S.C 1681, 15 U.S.C 1666b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: GA

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 accountXXXX 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 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

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 2024-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THESE ACCOUNTS ARE NEVER MINE AND MUST BE TAKEN OFF FROM MY REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Payactiv, Inc.
State: OK

Complaint narrative:
I use the Payactiv app through my work, XXXX XXXX XXXX. I was using the app as a saving account for an upcoming vacation. XX/XX/XXXX I noticed the withdraw option was missing, I contacted Payactiv and XXXX hours later the option to withdraw reappeared. XX/XX/XXXX I tried to with my balance of {$600.00} and I received an error message saying unable to withdraw. I have been in contact daily to every other day with customer support via chat and phone calls. I have talked to numerous representatives and I keep getting told they are working on a solution. While on vacation and unable to access this savings Payactiv transferred {$33.00} from the saving account to the actual card lowering the balance to {$570.00}. I spoke with a XXXX named XXXX XXXX yesterday and he was not able to give me an XXXX on when my funds were going to be accessible. This company helps provide earned wage income before you receive your paycheck however this is my money I have been saving and now I am back from vacation and desperately need my money. From what I can find Payactiv is owned by the XXXX XXXX XXXX XXXX XXXX. I have had to take out a loan that is affecting my credit and if I dont not receive these funds I will not be able to pay rent. It basically ruined my vacation having to be on the phone with customer support daily and never get a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
I'm writing to convey my significant worry concerning a couple of addressed accounts that remain mistakenly recorded on my credit report. Regardless of different undertakings to address these slip-ups and reiterated requests for a thorough assessment, there has been no objective or healing move made to date. 

These off-base records are genuinely hurting my credit archive and generally disturbing my ability to have a normal presence. The negative repercussions of these blunders have caused monstrous challenges, and I'm left with no choice aside from to contend for your close by assist with reviewing what is happening. 

I generously request that you direct a cautious assessment concerning the specifying of all of these challenged records. It is fundamental that the fundamental advances are taken to invigorate and review my credit report immediately. With your help, I want to restore the accuracy and genuineness of my credit archive so I could recover control over my money related thriving. 

I really urge you to offer this matter your most outrageous thought and take a speedy action. Your cooperation and moving in settling this issue rapidly would be very significant. 

Thankful to you early on for your cognizance and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : Account XXXX, XXXX XXXX Account number, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CIG FINANCIAL LLC
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Attention XXXX XXXX XXXX, XXXX Subject : Dispute of Wage Garnishment by XXXX XXXX XXXX and Inaccurate Information Reporting Dear XXXX XXXX, XXXX, I am writing to formally dispute the recent wage garnishment actions taken against me by XXXX XXXX XXXX, purportedly on behalf of XXXX XXXX XXXX XXXX. Upon contacting the attorney 's office, I was informed that my information was not in their system, indicating a potential error or fraudulent activity. I've never done business with XXXX XXXX XXXX XXXX ever in my life. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate and verifiable information. This garnishment action appears to be based on inaccurate or unverifiable information, and as such, I am invoking my rights under the FCRA to dispute this garnishment. 

Details of the Dispute : Garnishing Attorney 's Name : XXXX XXXX XXXX XXXX of Garnishment Notice : XX/XX/XXXX Amount Garnished : Unknown Reasons for Dispute : Inaccuracy : The attorney hired by XXXX XXXX XXXX XXXX has no record of my information in their system, indicating that the garnishment XXXX have been issued in error. 
Unverifiable Information : The garnishment is based on information that can not be verified by the attorney 's office, raising serious concerns about the legitimacy of this action. 
Supporting Documentation : To support my dispute, I have enclosed the following : Copies of all my Identity Theft Police Report 's dating back to XXXX showing that my identity has been compromised multiple times. 
A copy of the wage garnishment notice. 
A record of my communication with XXXX XXXX XXXX 's office, indicating that my information is not in their system. 
A copy of my credit report, highlighting any related entries. 
Action Requested : I request that XXXX XXXX, XXXX immediately cease the wage garnishment and conduct a thorough investigation into this matter. Additionally, I request the following : Correction of Records : Update all records to reflect the inaccuracy of this garnishment and remove any related negative entries from my credit report. 
XXXX of XXXX : Provide me with a written explanation detailing the verification process of the information that led to the garnishment action. 
Notification to Credit Bureaus : Notify all major credit bureaus ( XXXX, XXXX, and XXXX ) to correct any inaccurate or unverifiable information resulting from this garnishment action. 
If you require any further information or documentation from me to assist in your investigation, please do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your prompt attention to this matter. I look forward to your swift response and resolution of this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: VA

Complaint narrative:
I found about this debt after pulling my credit report. XXXX after I was denied by a housing complex, I wasnt aware of this debt, I was affected bye the pandemic and I lost my job car etc, moved from there XX/XX/XXXX. With a forwarding address I never received a letter from the debt collector, {$2500.00} This account was opened XXXX XXXX pandemic I reach out to get more information about this debt. For a rep to say to me we have already sent you out a letter after this letter just accept the offer. What offer? So I provided them with an address, contact number. To call back after getting the letter to asking questions on how this letter look and there are the break down of this debt, to get disrespected, humiliated and belittled because I wasnt able to pay a debt, but I had no documentations approve of ownership except something that looks like a coupon now I see what she meant when she said just take the offer. because of my hard time, XXXX facing the same situation with XXXXXXXX XXXX and the XXXX Credit bureaus. Because of these debt XXXX and me reaching out to them to help me, instead I get mislead XXXX XXXX  etc. I have exhausted on my phones trying to fight these credit bills had to help my credit and all I just did was made my credit worse because XXXX update the date and the status but dont correct the inaccuracies and this is not fair XXXX cant get a place to put over my family head, I see XXXX kind of XXXX XXXX  Twice a XXXX  this has affected my XXXX XXXX XXXX and spiritually I feel like XXXX trapped in a cage of that that I cant escape and XXXX trying to, but I feel like the consumer law is not protecting me. XXXX not denying or admitting to the debt was trying to be a better understanding and due to this. This has became a Trigger. But I have to fight because i have my kids to try to provide for thats why XXXX fighting to get a fair chance on having my account view. This is going to continue to have me living in unsafe environments, trapped in a mental XXXX, keep me from trying to repair my credit while repairing my life, People look down on you because you have items on your report you wasnt aware isnt fair. The debt collector has taken controls over my life, I spend my weeks speaking to my XXXX and trying to find ways to repair his credit. XXXX exhausted tired

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THESE ACCOUNTS ARE NEVER MINE AND MUST BE TAKEN OFF FROM MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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 non-monetary relief
Consumer complaint received 2024-08-06 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: KY

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section XXXX ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/year>XXXX XXXX XXXX  XXXX XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Recently, I have done XXXX reinvestgation with inaccurate and incomplete information on XXXX consumer credit report this the XXXX reinvestgation submitted over the same inaccurate and incomplete information. U.S.C. XXXX XXXX by law you are obligation to revestigate and remove inaccurate or incomplete information reporting. Accounts have been removed by XXXX and XXXX. Remove these accounts immediately! 


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 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I had a dispute with American express credit card, so I asked how much I owed and to cancel my card. I paid the full amount owed but then they sent me another bill the next month. I called them and said that I was paid in full but they lied and said that they had sent me a bill for a different amount. I never paid the bill. The bill was {$7.00} dollars so now they have put charges, late fees and interest so now its {$180.00} after only a few months. I though American express was a reputable company but they are not. I had the card for years and never owed them any money. Now they are trying to hurt my credit that was over XXXX. 
I am an honest person and I don't cheat people. This is wrong and I am not paying for lies. 

Respectfully XXXX XXXX

Company response to consumer: Closed with explanation