vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking.Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Employer - XXXX XXXX  XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

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 2024-07-04 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: FL

Complaint narrative:
Someone has been trying to get accounts in my name without my consent this has been going on for years now. 
Companies XXXX XX/XX/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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am unable to see any active disputes on my account. The active dispute page just loads, and it never populates any results. I have tried multiple troubleshooting methods, and I am still getting the same result. The issue is on TransUnion 's end.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
This third party collection agency RESURGENT CAPITAL SERVICES IS reporting illegal information forwhich I've don't have a contract with this account is charged off and now sold to collections but I've never received from original creditors a XXXX form of cancelation of debt, forwhich XXXX XXXX has written this account off and sold it to a third party,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, XXXX, XXXX Incorrect Name XXXX XXXX XXXX XXXX Incorrect DOB XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 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: AL

Complaint narrative:
I reviewed my most recent credit report and I noticed a collection ( s ) that did not belong to me. After reaching out to the creditors, I was advised to contact the CRA to have the collection disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the collection in questions did not belong to me. 

I request debt validation to prove the debt was mine and to execute my right to full accuracy of my report. This is a clear violation of section 604 15 USC CODE 1692g and 5 USC 552ai3 violation of inaccurate reporting.

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 2024-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

I am contacting you because Equifax claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. 
However, these accounts is STILL inaccurate and their companies is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my accounts was property investigation but how is that possible if the credit bureaus are reporting different information.

Us Dept of Ed/account number XXXX Amount {$3900.00} Date opened is inaccurate, High balance is inaccurate, last verified date is inaccurate, the closed date is false, and date of last activity is not accurate. This account is also XXXX years old. That is past the status of limitation. 

Us Dept of Ed/ account number XXXX Amount {$3500.00} Last verified date is not accurate, date of late activity is incorrect, date reported is not correct, and the closed date is false. Also, this account is XXXX years old. That is past the status of limitation. 

Us Dept of Ed/account number XXXX Amount {$7100.00} This account is XXXX years old. That is past the statue of limitation. 

Us Dept of Ed/account number XXXX Amount {$5500.00} This account is XXXX years old. That is past the statue of limitation. 

XXXX XXXX XXXXaccount number XXXX Amount {$480.00} Last verified date is not accurate, date of last activity is inaccurate, date reported is not correct, the closed date is falsified, and high balance is missing. 

XXXX XXXX XXXX account number XXXX Amount {$960.00} Last verified date is inaccurate, date of last activity is incorrect, closed date is false, date reported is invalid, and high balance is missing. 

XXXX XXXX XXXX account XXXX Date of last activity is inaccurate, the close date is false, and date last verified is missing. 

I have provided XXXX XXXX XXXX credit report along with Equifax credit report to prove my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
While I was purchasing XXXX XXXX XXXX  from Southwest Airlines on XX/XX/year>, I clicked on an offer on the Southwest website to apply for a Southwest XXXX XXXX Credit Card with no annual fee that would provide a {$200.00} statement credit if I purchased a few XXXXXXXX XXXX with the card within the first XXXXXXXX XXXX  after I received the card. I received an electronic message that my credit card application could not be processed, which I assumed was because I have a XXXX XXXX in place. When I called the " XXXX '' number in the electronic notice, I was advised I needed to obtain a credit freeze lift with XXXX, and then I should call another " XXXX '' number. I did that but I received a letter advising that my application for the Southwest credit card was not approved because I had not lifted the XXXX XXXX. In late XXXX, when I had neither received an approval or denial for my credit card application, I telephoned the " XXXX '' in the email and letter I had received. I spoke to a customer service representative who said I needed to lift the XXXX  on my XXXX credit file and, while the XXXX was in effect, telephone that same " XXXX. '' I did this and I was advised my credit application was approved. However, when the new credit card and associated materials arrived, the credit card did not include the opportunity for a {$200.00} statement credit and there was a {$69.00} annual fee. When I contacted Chase, the customer service representative initially asserted there was nothing that could be done about this ; but my threat to complain to CPFB resulted in a waiver of the {$69.00} annual fee. When I contacted Southwest about the {$200.00} statement credit, I was advised that Southwest had no involvement with this Chase credit card even though the card was advertised as and is branded as " Southwest XXXX Rewards '' and there is only XXXX uses of the word " Chase, '' both on the back of the card ( i.e., among many references, XXXX each of XXXX XXXX XXXX  and " Chase '' ). Chase denied any responsibility for the " bait and switch. '' Southwest asserted it was merely facilitating Chase 's marketing of credit cards ( i.e., Southwest appeared to be claiming a safe harbor under Section XXXX of the Communications XXXX by allowing Chase to advertise on the Southwest website, although it seems unlikely Chase unilaterally is using Southwest 's name on a Chase credit card. However, Southwest did not comment about the multiple complaints posted on its website by customers about this " bait and switch '' activity over the last decade.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CA

Complaint narrative:
XXXX, XXXX, & LexisNexis continues for years to lie or they have made a mistake and verified this public record as accurate when the dates are ( incorrect XXXX has date as XXXX ) first inaccuracy : wrong date ( XX/XX/year> ) ( correct date : XX/XX/year> ) and the spelling of the name is different spelled ( wrong XXXX ) inaccuracy : XXXX ) ( correct spelling : XXXX ) from the legal name and in fact Experain claims to verify this inaccurate information with the Courts today I will prove XXXX wrong I have disputed the public records with the XXXX Bankruptcy XXXX who is the actual source of this public record information and they stated they never share anyones public records information with any credit bureaus nor do they verify or validate any public record information only with Government officials. This account is in violation of 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of disputed information. ( 1 ) Reinvestigation required. ( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer. I will upload copies of the letter from the XXXX XXXX XXXX XXXX stating they dont verify or validate public records information with any credit reporting agencys and I will upload a copy of the public record to show inaccuracys such as wrong dates and wrong spelling of my legal name and XXXX inaccuracy the reference # on Experain is different then on the official public records document as well ( reference # is wrong XXXX ) ( correct reference # is XXXX ) and XXXX sent me an email stating they refused to allow me to dispute the public records because of lack of proof of inaccuracys and lack of specific information and I will upload the time XXXX verified with inaccurate public records information for years on going violation of my rights according to the fair credit reporting act!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 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:
I Pulled my credit reports and noticed several unauthorized hard inquiries on each of my credit reports. 18 USC 1028A provides that aggravated identity theft occurs when a person commits a crime and also " knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person ''. Please remove all unauthorized inquiries from each of my credit reports including Transition, XXXX and XXXX. Each unauthorized hard inquiry is listed in the attached FTC Identity theft report which was filed on XX/XX/year>. Please send me a copy of my updated Credit reports once these unauthorized hard inquiries have been permanently removed. Please see attached FTC identity theft 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 2024-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm filing this complaint personally regarding late payments on my credit report. I sent letters over a month ago requesting validation, but have received no response or adequate verification. I'm seeking your help to address this issue.

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 2024-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm filing this complaint personally regarding late payments on my credit report. I sent letters over a month ago requesting validation, but have received no response or adequate verification. I'm seeking your help to address this issue.

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 2024-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am unable to see any active disputes on my account. The active dispute page just loads, and it never populates any results. I have tried multiple troubleshooting methods, and I am still getting the same result. The issue is on TransUnion 's end.

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 2024-07-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, XXXX XXXX Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

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 2024-07-04 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:
Someone has been trying to get accounts in my name without my consent this has been going on for years now. 
Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-07-04 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: FL

Complaint narrative:
Someone has been trying to get accounts in my name without my consent this has been going on for years now. 
Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX i called to close my account due to suspicious activity. ( My savings was drained of XXXX $ ) I told them i had received a call prior from usaa calling to confirm some activity on my account with a few things like my address verify link etc ( all through a usaa number and usaa texts ) I told them i had been hacked and to lock the account out and that i had lost XXXX and my checking was still in the positive of over XXXX. Later on that day i received a call from usaa which i thought was going to be that they unlocked my account and returned some of the money that i had or, a day that my account would be back to normal but it was far from that. The call i received was them saying i had a negative balance of XXXX and that I was responsible for covering it! ( I received this call within less than 24 hrs ). I have called EVERY SINGLE DAY since and i have got no answers! Once i spoke on the phone a usaa representative told me that she lost XXXX once if it makes me feel better and that scammers are getting smart, basically verifying that they do know that its scam. Few days later i was talking to a supervisor and she said that usaa advises members to not give out info ( although she said that the scammers do use the usaa number and usaa voice so how was i supposed to know? ). And a little about me ; im XXXX XXXX XXXX i work XXXX jobs and have been for a while with a steady income, im in college, and i live on my own. I havent been able to get gas or groceries for over a few weeks and when i called to tell them this they didnt do anything i was in tears! I cant even get a loan out to cover this because i am too young! I havent been able to pay rent! Anyway, XX/XX/XXXX they sent a message saying that there was XXXX charges that were not fraudulent equaling to XXXX XXXX First of all i didnt have that much in my account to begin! Second my account is XXXX $ negative thats almost a XXXX difference it almost seems like they just think i will pay this off and move on! And if its only XXXX that isnt fraud why is it negative XXXX that doesnt even make sense! At this point im beyond XXXX and im ready to call a news station ive been crying for days because i feel like they wont listen to me because i am young. I have been a customer for 3 years and i have NEVER been overdraft and always have a steady flow of money coming into my account. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation