vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : Complaint Regarding Inability to Access Credit File and Credit Freeze Tools Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against TransUnion regarding persistent issues accessing my credit file and credit freeze tools through their website. Despite having an active account for OVER XXXX years, I have been consistently blocked from accessing the mandatory credit reporting and freeze tools. XXXX months ago, while applying for a loan, I was unable to unfreeze my TransUnion credit report, which prevented the lender from accessing my credit file. Apparently, the lender uses Trans Union. As a result, I was unable to secure the lowEST-interest rate loan I was pursuing. I had to find an agency that used XXXX. these problems do not exist on my XXXX and XXXX profiles. I'm also aware of a number of friends that have the same issue with XXXX XXXX My credit score is consistently over XXXX. 

While I am able to log in to the TransUnion website, I am FIRST presented with offers to purchase their paid services. However, when I attempt to access my credit report or manage credit freezes, I am met with a message stating that the information can not be accessed at this time. This issue has persisted for almost XXXX years, and I have been unable to find an effective resolution or reliable communication channel with TransUnion to address this matter. 

I believe this behavior raises concerns about compliance with consumer rights to access their credit information and manage credit freezes as mandated by law. I respectfully request the CFPB 's assistance in resolving this issue and ensuring that TransUnion provides the required access to its services. 

Thank you for your attention to this matter.

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 2024-12-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I am writing to request validation of the debt referenced below, as required under the Fair Debt Collection Practices Act ( FDCPA ). Please provide documentation to verify the debt and confirm that I am responsible for it. 
Midland credit Management , INC {$310.00} XXXX XXXX {$510.00} XXXX XXXX XXXX {$1500.00} XXXX {$9300.00} XXXX XXXX {$4100.00} XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX  {$100.00} Until proper validation is provided, I request that collection efforts stop and that this debt is not reported to credit bureaus. 
Thank you for your attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: IN

Complaint narrative:
I am writing to formally file a complaint regarding inaccurate and misleading information being reported on my credit report by XXXX. Specifically, I am addressing issues with a XXXX XXXX  account that is reporting in violation of credit reporting regulations. The following inaccuracies are causing significant harm to my credit score, and I am requesting immediate action to correct or remove these entries. 

XXXX. Re-aged Account XXXX XXXX XXXX  account is being reported with a re-aged date, which is a violation of credit reporting standards. This account should reflect its original date of delinquency and not a re-aged or altered date. This deliberate misrepresentation is harmful to my credit profile, and I demand the immediate removal of the re-aged date. 

2. Balance on Closed Account XXXX XXXX XXXX  account is also showing a balance despite being closed. A closed account should not reflect any outstanding balance. This inaccurate information is misleading and must be corrected immediately by removing the balance reported on this account. 

XXXX. Account Showing as Over the Limit The same account is incorrectly reporting as over the credit limit, despite being closed. A closed account should not be subject to over-limit reporting, and this misrepresentation of the accounts status is not only misleading but also unlawful. 

These inaccuracies are in direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported to credit bureaus must be accurate and complete. The continued presence of these errors is damaging my credit score and may have broader implications on my financial well-being. 

I request that XXXX immediately investigate and correct the reporting of this XXXXXXXX XXXX account. The re-aged date must be removed, the balance on the closed account must be eliminated, and the over-limit status must be corrected to accurately reflect the closed status of the account. If XXXX is unable to correct these inaccuracies, I request that they be removed entirely from my credit report. 

Please acknowledge receipt of this complaint and confirm the actions taken to resolve these issues. I trust that the CFPB will assist in ensuring that my credit report accurately reflects my financial history and that these discrepancies are resolved promptly. 

Thank you for your attention to this matter. I look forward to a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Dear Bridgecrest Dispute Department, I am writing to formally dispute the information you have provided to the credit reporting agencies regarding the above-referenced account. Under the Fair Credit Reporting Act ( FCRA ), you are required to verify the accuracy of the information reported. If the information can not be verified, I demand that you cease reporting this account to all credit bureaus ( XXXX, XXXX, and XXXX ) immediately. 

Disputed Information Account Name : Bridgecrest/XXXX  Account Number : [ XXXX ] Reported Issue : Repossession with an outstanding balance of {$6500.00}. 

Verification Demands To comply with your obligations under the FCRA, please provide the following documentation : The Original Loan Agreement Include my signature and all terms of the agreement. 
Provide proof of my consent to the reported terms. 
Repossession Documents Detailed records proving the repossession was conducted legally, including notices sent to me and their delivery confirmations. 
Evidence of the sale or auction of the vehicle, including the sale price and how it was applied to the balance. 
Payment and Balance History A complete and itemized payment history, including dates, amounts, and application of payments. 
An explanation of how the outstanding balance was calculated, including fees, interest, or penalties. 
Proof of Debt Ownership Documentation proving your legal right to report this debt, including any chain of custody or transfer of debt ownership. 
Communication Records Copies of all communications sent to me regarding this account, including those about delinquency, repossession, and charge-off status.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XXXX XX/XX/year>, I had a CD mature. On that same day, I went online to cash out the CD, and chose the option to cash out to my savings account. How, Capital One renewed the CD anyway. They are now saying that specifying that the CD should be cashed out on the day of maturity was too late. This doesnt make any sense as Im supposed to get 10 days after maturity. They said me setting it to cash out on the maturity date was applied to the new CD. I clearly did not want the money put into a new CD. Thats why I was making the designation to put it in a savings account! They are now saying I have to pay 4 months penalty ( nearly XXXX XXXX ) to access my money. I believe I should be able to access my money without the penalty.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KeyBridge Medical Revenue Management
State: OH

Complaint narrative:
Received a bill from KeyBridge XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX OH XXXX Phone # XXXX Collecting for : XXXX XXXX XXXX XXXX XXXX 
I received a bill from KeyBridge in the amount of {$53.00}. The bill from XXXX XXXX was $ XXXXsomething after insurance and was paid. 
I did email KeyBridge about the error. 
Please let me know I owe anything? Im sure this has been taken care of. 
Thanks! 
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 2024-12-29 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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:
Consumer Name : ( XXXX XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth, ( XX/XX/XXXX ) Contents of complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you, the TransUnion credit reporting agency , block any information reporting on my consumer FICO credit report that is the result of identity theft and fraud within the 4 days of you receiving this complaint. This inaccurate, fraudulent, and false information consists of multiple accounts which are listed below : -The 1st fraudulent account consist of a personal credit card account issued by XXXX XXXXXXXX on XX/XX/XXXX under the account number ( XXXX ) -The 2nd fraudulent account consist of personal credit card issued by XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ) -The 3rd fraudulent account consist of an auto loan issued by XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) -The 4th fraudulent account consist of a bank account issued by XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX  ) -The 5th fraudulent account consist of a personal credit card account issued by XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) -The 6th fraudulent account consist of a credit line issued by XXXX. XXXX, XXXX on XX/XX/XXXX under the account number ( XXXX ). 
These accounts have resulted in numerous fraudulent hard inquiries and fraudulent collections reporting on my consumer FICO credit report. I've also attached a list of the unauthorized hard inquiries in question as well as a copy of my consumer FICO credit report, which is maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries appearing on my consumer report. The aforementioned accounts, collections, and hard inquiries reporting on my consumer FICO report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached 2 copies of FTC Identity Theft Affidavit reports ( Report # XXXX & Report # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

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 2024-12-29 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:
This letter is my formal written request for you to investigate the following " Unverified '' accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below, then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. 



I demand the following accounts be verified or removed Immediately. 

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 2024-12-29 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 demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

XXXX XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXXXX/XX/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 2024-12-29 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: LEXISNEXIS
State: TX

Complaint narrative:
I am a victim of human XXXX  The information listed on the attached documents, which appears on my credit report, is the result of that XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 informati
on, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: PA

Complaint narrative:
I am writing to request the removal of fraudulent inquiries from my credit report. I have identified these inquiries as a result of identity theft, as detailed in the attached Identity Theft Affidavit.

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 2024-12-29 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: CA

Complaint narrative:
Dear Experian Credit Bureau XXXX XXXX, I am writing to request the removal of the account with XXXX XXXX  ending in XXXX. This account and its balance do not belong to me ; they are the result of identity theft and fraud. I have disputed this matter multiple times, but the account has consistently been reinserted. I have attached the removal letter from XXXXXXXX XXXX and have also submitted a dispute to the Consumer Financial Protection Bureau ( CFPB ) regarding this incorrect information on my credit report. 

Experian has repeatedly violated the allowable timeframe to resolve and correct these issues. Therefore, I am requesting the immediate removal of this erroneous information and prompt attention to this significant matter. All other credit bureaus have already removed this account, and I need this ongoing problem resolved as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX **Account Information** - **Account Name : ** XXXX XXXX - **Account Number : ** XXXX - **Account Type : ** Credit Card - **Responsibility : ** Individual - **Date Opened : ** XX/XX/XXXX - **Status : ** Account charged off ; {$7500.00} past due as of XX/XX/XXXX. 
- **Status Updated : ** XX/XX/XXXX - **Balance : ** {$7500.00} - **Balance Updated : ** XX/XX/XXXX - **Recent Payment : ** - - **Monthly Payment : ** - - **Credit Limit : ** {$15000.00} - **Highest Balance : ** {$7500.00} - **Terms : ** - - **On Record Until : ** XX/XX/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 2024-12-29 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: CA

Complaint narrative:
Dear Experian Credit Bureau Executive Office, I am writing to request the removal of the account with XXXXXXXX XXXX ending in XXXX. This account and its balance do not belong to me ; they are the result of identity theft and fraud. I have disputed this matter multiple times, but the account has consistently been reinserted. I have attached the removal letter from XXXXXXXX XXXX and have also submitted a dispute to the Consumer Financial Protection Bureau ( CFPB ) regarding this incorrect information on my credit report. 

Experian has repeatedly violated the allowable timeframe to resolve and correct these issues. Therefore, I am requesting the immediate removal of this erroneous information and prompt attention to this significant matter. All other credit bureaus have already removed this account, and I need this ongoing problem resolved as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX **Account Information** - **Account Name : ** XXXX XXXX XXXX XXXX Number : ** XXXX - **Account Type : ** Credit Card - **Responsibility : ** Individual - **Date Opened : ** XX/XX/XXXX - **Status : ** Account charged off ; {$7500.00} past due as of XX/XX/XXXX. 
- **Status Updated : ** XX/XX/XXXX - **Balance : ** {$7500.00} - **Balance Updated : ** XX/XX/XXXX - **Recent Payment : ** - - **Monthly Payment : ** - - **Credit Limit : ** {$15000.00} - **Highest Balance : ** {$7500.00} - **Terms : ** - - **On Record Until : ** XX/XX/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