vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-28 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: 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 2024-08-28 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: 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 2024-08-28 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: SC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-08-28 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I need your help to address the incorrect account appearing on my credit report. This has been detrimental to my reputation, and I need your intervention. The mishandling of my credit report has left me in a difficult situation, and your inaccurate reporting has caused significant harm. You must remove these errors so I can live a normal life with my family.

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your institution. Upon reviewing my credit report, I was dismayed to find discrepancies that raise serious doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have enclosed with this letter for your thorough examination. I respectfully urge you to investigate this issue thoroughly and promptly correct any inaccuracies to update my personal information accurately.

Your agency is in violation!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I submitted a dispute regarding incorrect information on my credit report and received an email from the credit bureau stating that they believe the disputes are originating from a third party. However, these disputes were submitted directly by me, not a third party. I even called to confirm my identity, but they still refused to process my disputes. I feel that the money I spent mailing my disputes was wasted. Additionally, I sent personal information by mail to verify my identity, only to find that my case was not thoroughly investigated.

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I submitted a dispute regarding incorrect information on my credit report and received an email from the credit bureau stating that they believe the disputes are originating from a third party. However, these disputes were submitted directly by me, not a third party. I even called to confirm my identity, but they still refused to process my disputes. I feel that the money I spent mailing my disputes was wasted. Additionally, I sent personal information by mail to verify my identity, only to find that my case was not thoroughly investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Mercury Financial Intermediate LLC
State: GA

Complaint narrative:
I paid additional funds to put extra credit on my XXXX Mercury credit card to pay my mechanic plus cover travel costs. They blocked the account and I couldn't use the card. Transactions were getting denied. I called them on XXXX and was on the phone with them over an hour where they informed me that they blocked transactions due to suspicious activity. I asked them what the suspicious activity was and they said that it's because " a large payment was paid to the account ''!!!! 

They verified that it's me who made the large payment and sent their verification code to my phone and still they would not unblock my account. The total funds of {$1400.00} is tied up on my card & I can't use it even 3 days later. 

I'm on the phone right now with them again & they can't even connect to a supervisor to resolve my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: AL

Complaint narrative:
I am writing to formally dispute several fraudulent inquiries and accounts that appear on my credit report due to identity theft. Enclosed with this letter is a copy of my FTC Identity Theft Report Reference Number : XXXX in which provides further evidence of the identity theft. 

The following accounts and inquiries on my credit report are not authorized by me and are fraudulent : Fraudulent Accounts : 1. ) XXXX XXXX XX/XX/XXXX Unauthorized Inquiries : 1. ) XXXX XXXX XXXXXX/XX/XXXX 2. ) XXXX XXXX XXXXXX/XX/XXXX 3. ) XXXX XXXXXX/XX/XXXX As per the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of these fraudulent accounts and inquiries from my credit report. Under the FCRA, I am entitled to have any information that is inaccurate, incomplete, or that I do not recognize as being the result of identity theft removed from my credit report. 

Additionally, I request that you provide a corrected copy of my credit report once these items have been removed, as well as notify any parties who have received my incorrect credit report within the last six months.

Please confirm receipt of this dispute and proceed with the removal of these items from my credit report as soon as possible. I appreciate your prompt attention to this matter. 

Thank you for your assistance.

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 2024-08-28 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have repeatedly requested in writing that XXXX XXXX XXXX be removed from my credit report. Per 15 U.S.C. 1681e ( b ), consumer reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' However, the information on my credit report does not meet this standard as it is inaccurate and incomplete. Also, XXXX XXXX XXXX is not listed in the Nationwide Licensing System as having proper certification to collect debt in the state of Ohio which voids any contracts that XXXX XXXX XXXX has in the state of XXXX  prior to certification. 

Account # XXXX Additionally, according to 15 U.S.C . 1681i ( a ) ( 5 ), consumer reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information in their file. If the information can not be verified, it must be promptly deleted or corrected. Given that the items listed above have infringed upon my rights to privacy and confidentiality and fail to comply with the FCRA 's reasonable procedures

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 2024-08-28 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: CA

Complaint narrative:
Take this seriously and read it carefully - as this complaint is not sent in error. My credit report has false information that are not assured to be the maximum possible accuracy. This inaccurate information is causing undue stress and is affecting me negatively in all aspects of my life.

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 2024-08-28 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: NY

Complaint narrative:
I submitted a dispute regarding incorrect information on my credit report and received an email from the credit bureau stating that they believe the disputes are originating from a third party. However, these disputes were submitted directly by me, not a third party. I even called to confirm my identity, but they still refused to process my disputes. I feel that the money I spent mailing my disputes was wasted. Additionally, I sent personal information by mail to verify my identity, only to find that my case was not thoroughly investigated.

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
These inquiries were not authorized by me and I did not communicate with this under the specified date

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 2024-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Debts were incurred at four casinos in XXXX XXXX on a credit line with XXXX XXXXXXXX, XXXX. via identify theft. My identity was stolen during escrow for a home I recently purchased. When I caught wind of the identity theft in late spring via an attempted email hack I froze my credit at all three credit bureaus.

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hard inquiry that I did not authorize from XXXX XXXXno account was opened, but the inquiry was made.

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 2024-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc.
State: GA

Complaint narrative:
I have made multiple efforts to request validation documentation regarding a debt listed on my credit report. I have requested the name and address of the original creditor ; the amount of the alleged debt, an itemized list of charges that resulted in the alleged balance ; the last billing statement from the original creditor ; the purchase agreement associated with the alleged debt ; validation of the statute of limitations ; and authorization to collect the debt. I have received none of the requested information to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
My wife opened an Amex Platinum card account in XXXX, and I immediately became an authorized user on the account ( at the time of account creation ). We have been married since XXXX of XXXX, and I have been serving active duty in the XXXX XXXX since XXXX ; I reviewed Amex 's plolicy regarding MLA benefits, and they stated that they would wave the annual fee for all account holders who qualify for MLA benefits, but we have been charged every fee ( for both me and my wife ) since we opened the account. We have tried going through the customer assistance line 3 or 4 times at this point, and keep getting the same answer - after receiving your confirmed MLA benefits ( which we verified through the MLA website ), they will see about refunding the annual fees they have charged and removing future charges from our account, and that they will get back to us in 30-60 bueiness days. It has been 3 years we've been fighting this, and we still keep getting charged, and their customer service has been completely useless to say the very least. We were just charged the annual fee again, so we've paid 3 times total for both me and my wife ( we each have a separate annual fee for our Amex Platinum cards, and she has a separate Amex Marriot Bonvoy that promises the same thing, but hasn't delivered ). We're about to pursue legal action if Amex doesn not figure this out, but I was advised to send a request through this bureau first to see if a solution could be reached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
The following letter was sent to Velocity Investments , LLC on XX/XX/year> : To Whom It XXXX Concern, You were previously sent a demand letter on XX/XX/year> from me, XXXX XXXX, requesting the removal of collection item pertaining to Case Number XXXX that does not belong to me. I called and spoke to a representative on XX/XX/year> and it was stated by the representative that the item was removed. However, you are still reporting it to the credit bureaus and continuing on with a lawsuit. Your firm has failed to provide the legally required validation of Collection Item pertaining to XXXX XXXX XXXX. 

You have been notified that your actions are detrimental to me and that your firm has violated, including but not limited to, the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. Your firm knew or should have known that the actions taken against me and the information collected about me were inappropriate and damaging. Velocity Investments , LLC failed to exercise reasonable care in their business practices and did not implement even minimal procedures to ensure that I was not harmed. Velocity Investments , LLC communicated and are continuing to communicate incorrect and defamatory information to third parties, including but not limited to : XXXX, XXXX, and XXXX. As a result of these blatantly reckless, wanton, and intentional acts me has caused me to suffer and I continue to suffer general and specific damages. I am also very distressed by your firms intentional infliction of emotional distress and the overall diminished quality of my life. 

I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, XXXX, and XXXX ) as well as from the Velocity Investments LLC systems. As I am currently attempting to apply for credit, time is of the essence. Please understand that I am extremely concerned about the consequences of the actions your firm is having on my life. Please be advised that if this matter is not resolved by XX/XX/year>, I will take any and all necessary steps to protect my rights. 

Thank you in advance for your attention to this matter. 

Sincerely, 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 2024-08-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
have a large amount owed for a XXXX XXXX account. That I'm not aware of or didn't open. 
Debt collector have an excessive amount owed which made my XXXX XXXX decrease. Also it's an active jewelry account opened that I'm not aware of which I was notified about on XX/XX/year> after talking with credit karma and other credit agencies. So I'm asking credit bureau or who over is receiving this message to close any active account on my credit file. I'm not aware of any accounts opened such as Phone/mobile accounts, jewelry accounts, or credit cards that could affect my credit score.Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation