vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-26 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: GA

Complaint narrative:
Dear CFPB RE Transunion File XXXX, Thanks for contacting me Transunion XX/XX/year> regarding my ID Theft claim and my request to block/delete the derogatory information from my credit file within 4 days of receipt. I apologize for any misunderstanding with the first Federal Trade Affidavit that I sent in to you so I have completed a new FTC Report XXXX. I am not certain exactly what happened because you requested that I send one in when that is what I did the first time with my government ID. Nonetheless here is a new FTC Report for you to attach to my file. I took notice just recently because I am trying to get my very first apartment and discovered things that are in no way shape or form that belongs to me. It is a very unfortunate situation that it takes me to try to get my first apartment to discover this. Many accounts I was graduating highschool and no place to live with no reason to open XXXX etc ... accounts and more. 

I completed and provided you a new FTC Report with all accounts and numbers, Descriptions of each account, and all personal identifying information as you requested. 

It would be greatly appreciated if you can assist me with blocking/deleting this information per FCRA 605B ( 15 U.S.C 1681c-2 ) I have contacted each data furnisher to provide me the applications that I applied for these accounts and they have failed to send me anything. 

I included a personal statement on the FTC Report and I also included XXXX XXXX per FTC Customer Service because you can only list so many accounts. So if I can have XXXX XXXX deleted and blocked as well that would be appreciated. They are the debt collector who has failed to provide me any information also.

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 2024-07-26 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: NE

Complaint narrative:
I viewed my credit report and noticed that there are fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: NE

Complaint narrative:
I viewed my credit report and noticed that there are fraudulent accounts.

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 2024-07-26 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: GA

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 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: IL

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company 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 2024-07-26 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:
There was an account from XXXX XXXX XXXX XXXXXXXX reflecting on my Experian Credit Report that was deleted on XX/XX/year> that was reinserted into my report without my knowledge. The account was opened using all or part of my personal information. I submitted documentation from the bank, an FTC identity theft report, filed policew report, and Experian deleted this account under my name. The report number was XXXX I have attached the previous correspondence as well as the dispute results showing oit was removed ovwer 2 years ago. No mysteriously it has reappeared. I need this matter handled asap as I am continuing to be harmed years later even after what I thought was a matter that had been corrected. Please see attached documentation. I have consulted an attorney who informed me it is unlawful fro the credit reporting agencies to report innaccurate or flase information and unlawful for accounts that were previously removed to randomly appear again.

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 2024-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Terrill Outsourcing Group
State: OR

Complaint narrative:
They keep calling me and I've blocked their number, but they keep calling me ; I'm on medical leave with no income, and I'm not able to pay anything if they're trying to collect a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: IL

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: CORELOGIC INC
State: OH

Complaint narrative:
Do you believe your company owns the promissory note and have the right to enforce payment from the borrower? 
And does a XXXX note actually have cash value meaning in a regular course of the business day it could be sold for {$250000.00}? 
So how much does the bank have to loan now to legally on the promissory note? 
And to your belief if the borrower signs the promissory note and the bank refuse to give the borrower actual cash value would the bank or the borrower owe the promissory note? 
Do you think the borrower agreed to provide the bank with {$250000.00} actual cash value that was then used for the {$250000.00} bank loan check back to the same borrower and then agreed to pay the bank back plus interest? 
So do the bank legally on the promissory note and legally make the borrower pay back interest and principal payments? 
Is it Bank policy that when a bank received a {$250000.00} loan the bank receives actual cash value and this check is received and returned back to the borrower is this policy? 
Can you show me in our contract that I gave you permission to receive {$250000.00} actual cash value from the borrower in the note to fund the {$250000.00} back which obligations me and return to pay back the bank {$250000.00} plus interest? 
So if the borrower provided the bank with {$250000.00} actual cash value in the note which the bank used to fund the {$250000.00} check and return the check back to the alleged borrower to a bank loan in your opinion did the bank loan the alleged borrower {$250000.00}? 

SO IS THIS AN EXCHANGE ARE SWAPPED FOR? XXXX 18 U.S.C 8 12 U.S.C 1431 15 U.S.C.1601

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 2024-07-26 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: NJ

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2024-07-26 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: GA

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2024-07-26 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: ENOVA INTERNATIONAL, INC.
State: NY

Complaint narrative:
I am writing to express my deep concern regarding the disputed accounts on my credit report. Despite my multiple attempts to raise this issue and request a thorough investigation, I have yet to receive any resolution or corrective action. These inaccuracies are severely damaging my credit file and hindering my ability to live a normal life.

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay.

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-07-26 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: AZ

Complaint narrative:
This is extremely alarming and I am distressed, there appears to be a fraudulent credit inquiry done under my name and I never benefitted from any of it. This is already reported to the Federal Trade Commission but it is not removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: MI

Complaint narrative:
I reached out to Current regarding multiple unauthorized transactions on my account on XX/XX/year>. They initiated a dispute on XX/XX/year> after sending me the same questions I answered over 5 times for an entire week trying to postpone the start date of the dispute, but denied my provisional credit on the due date, XX/XX/year>. I've asked for concrete evidence that these charges were mine, as I'm certain they're not. After several attempts, they sent documents with baseless claims like " Disputed transactions are payments to Customer-controlled account, does not fit fraud pattern, Transactions fit spending pattern. '' I responded to Current, insisting on reopening the case because : None of the accounts in question are under my control. 
The transactions don't match my usual spending habits. 

I provided proof of unauthorized access due to my stolen device and showed that I had to recover my accounts through support. I also demonstrated that I've never shopped at most of the merchants listed before, and for those I had, it was through my stolen device which I couldn't access without help from support. 

Moreover, I submitted a police report, communicated with merchants who confirmed discrepancies, and provided evidence like hospital records for times when charges were made. Despite this, Current has not presented any evidence to back up their claims or reopened the dispute with new evidence. 

On XX/XX/year>, I submitted new information and requested the dispute be reopened, but communication from Current has been unhelpful and repetitive. I'm seeking clarity, evidence from them, and a refund for the fraudulent charges totaling {$4500.00}. All charges were made online, some shipped to an old address, and I've even provided my current lease agreement as proof of my actual residence. Despite the overwhelming evidence I've supplied, Current has yet to provide any proof or resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: SANDY SPRING BANCORP, INC.
State: VA

Complaint narrative:
Wednesday, XX/XX/year> I received a voicemail at XXXX XXXX that my account was overdrawn over $ XXXX and to make a deposit before XXXX XXXX. I tried to call the bank back but the extension left wasn't correct. I then got ahold of the client service center. The representative was unable to locate my account when I gave them my account number and my social security number. They put me on hold for XXXX minutes trying to find a manager. They came back and still couldn't find it. When the finally did after another XXXX minute hold they verified information. I explained that the transaction causing the overdraft was not mine. I told the representative to look at the transaction history as there has never been a transaction from XXXX County. There was then another credit card payment transaction processing fee related to the transaction. This was fraudulent. The rep said they would stop the transactions. She told me they would block the account and I would need to go to the branch to open a new account. She confirmed it was not related to my debit card. I asked if a form was necessary for me to sign. She said no. The next day I looked at the account and the transactions were returned by I was charged XXXX overdraft charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: SC

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have previously disputed with TransUnion, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 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: GA

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

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account number : 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 an 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, 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 may not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with non-monetary relief