vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-12 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: OH

Complaint narrative:
I have encountered persistent challenges in rectifying unauthorized accounts and inquiries on my credit report, despite diligent efforts to engage with the credit reporting agency. Notably, previous disputes raised pursuant to 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681c2, which mandate stringent compliance with accuracy reporting and full file disclosures, have been met with inadequate responses from the agency. Despite my repeated attempts to escalate the matter and engage with supervisory personnel within the fraud and dispute departments, the agency has failed to facilitate such discussions, citing internal policies that seemingly diverge from the explicit mandates of federal law.

Under 15 U.S.C. 1681c2, the agency bears a legal obligation to expeditiously block any information originating from alleged identity theft, upon receipt of requisite documentation, including substantiating proof of identity, an identity theft report, specific identification of disputed information, and a formal statement disassociating said information from any consumer-initiated transactions. Notwithstanding the provision of comprehensive documentation, including my driver 's license, social security card, and an FTC report, the agency has regrettably neglected to fulfill its statutory duty within the prescribed four-business-day timeframe.

My paramount concern stems from the agency 's apparent non-compliance with federal statutes enacted to safeguard consumers against the deleterious effects of erroneous credit reporting. As such, I am compelled to signal my intent to pursue further recourse, including, but not limited to, legal remedies, absent expeditious compliance with the mandates of 15 U.S.C. 1681c2. I therefore implore the agency to promptly rectify the identified inaccuracies in my credit report and take requisite measures to ensure future adherence to federal law.

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 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 2024-02-12 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:
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 2024-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monarch Recovery Holdings, Inc.
State: GA

Complaint narrative:
i called the company back, they keep calling and not leaving messages. i called back to see who they whr they had account with a bank and agent became personal after i Verified my DOB asking how did i get this way with the account. i asked for info on the account stated couldn't give me the address on the account. i had to give it to them. i said no cause to many identity issues happen. asked for sup and she said the same thing stated they have strict guidelines. also if thy had account there is a DO NOT CALL letter on the account at the original credit company along to another collection company that has the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: AR

Complaint narrative:
My Equifax credit score dropped to XXXX on XX/XX/year>. This is completely incorrect. I called Equifax and the representative told me that everything on my account was clean, I had no credit inquiries that were incorrect, and nothing new on my account. The " reason '' given by XXXX ( who notified me of the rating ) was " over utilization '' of available credit ( on credit cards ). It was 36 %, and now it is near XXXX, because I pay ALL of my cards monthly ( and sometimes during the month ), and never have account balances carried over. I have paid off my mortgage and cars ( years ago ). I have no other debt. I have no late payments. I have no foreclosures or leins. The Equifax representative informed me that I needed to contact the Consumer Financial Protection Bureau, that he could not help. 

My credit rating with XXXX and XXXX ( FICO scores ) vary from XXXX to XXXX. They have not significantly changed in years. 

I attempted to contact XXXX XXXX, the company responsible for the low and incorrect rating. I sent an email, with no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: MI

Complaint narrative:
Company reporting my records that should not be reporting I opt out all the credit companies

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 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: RI

Complaint narrative:
I been requesting XXXX to removed Credit acceptance account from my credit file. The account was a joint account, was paid in full and never surrendered or foreclosed. It should be removed from my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am listing accounts 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 has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
I have a credit card from USAA Federal Savings Bank. Last XXXX the bank had a promotional check included with their monthly statement offering a XXXX percent cash advance for 15 months using their check. The offer required a fee of 3 % of the amount advanced equal to {$650.00} which I accepted.I then issued a check for an unexpected household expense of {$20000.00} but when I received my next month 's statement I was surprised to find I was charged interest at approximately 13 % as well as the {$650.00}. fee. 

I have spoken to the bank several times about this matter and each representative gives a different story as to why I was charged the 3 % fee as well as their standard interest rate. None of these explanations made sense but the bank, through its representative has declined making an offfer to resolve this amicably. For example, I offered to continue to pay their standard interest rate if they would reverse the fee of {$650.00} that was required to get the favorable interest rate but was told they would not do that. 

I feel that this offer by the bank was deceptive and misleading and am hopeful that your intervention can produce a fair and equitable resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-12 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: RI

Complaint narrative:
I been requesting Equifax to removed XXXX XXXX account from my credit file. The account was a joint account, was paid in full and never surrendered or foreclosed. It should be removed from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: RI

Complaint narrative:
I been requesting XXXX to removed XXXX XXXX  account from my credit file. The account was a joint account, was paid in full and never surrendered or foreclosed. It should be removed from my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: IL

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

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 2024-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I would like to draw your attention to XX/XX/2023 .I had sent my complaint letter to pnc bank , in scam has affected me personally, psychology and financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OHIO XXXX XXXX ACCOUNT # XXXX RE : Validation Required XXXX XXXX XXXX  Re : Account # XXXX I just done a loan modification to bring current, i then made XXXX payments to be ahead, now I get a call today stating I am XXXX  days that's, impossible, fix my account and my credit please. 
To Whom It May Concern, XXXX, XXXX, XXXX I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in the my state OHIO.

Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA.

I am in total disagreement with your investigation response. Inaccurate information still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

I will await your reply with above requested proof. Upon receiving it, I will correspond back with you. 
Sincerely, 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 2024-02-12 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: IL

Complaint narrative:
XXXX XXXX XXXXXXXX Last reported XX/XX/XXXX {$930.00} Open balance XXXXXXXX XXXX XXXX XXXXXXXX Opened Account status Original creditor name XX/XX/XXXXXXXX  ( 4 mos ) Open - Individual Placed for collection XXXXXXXX XXXX XXXX XXXXXXXX I am not liable for this debt with XXXXXXXX XXXX XXXX XXXXXXXX, I do not have a contract with XXXX XXXX XXXXXXXX, they did not provide me with the original contract as i requested. 

XXXX XXXX Last reported XX/XX/XXXX {$260.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor Account status Original creditor name XX/XX/XXXX ( 2 yrs, 8 mos ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not liable for this debt with XXXX XXXX XXXX, I do not have a contract with XXXX XXXX, they did not provide me with the original contract as i requested.

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 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a LIE either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted immediately.

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 2024-02-12 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: OH

Complaint narrative:
I have encountered persistent challenges in rectifying unauthorized accounts and inquiries on my credit report, despite diligent efforts to engage with the credit reporting agency. Notably, previous disputes raised pursuant to 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681c2, which mandate stringent compliance with accuracy reporting and full file disclosures, have been met with inadequate responses from the agency. Despite my repeated attempts to escalate the matter and engage with supervisory personnel within the fraud and dispute departments, the agency has failed to facilitate such discussions, citing internal policies that seemingly diverge from the explicit mandates of federal law.

Under 15 U.S.C. 1681c2, the agency bears a legal obligation to expeditiously block any information originating from alleged identity theft, upon receipt of requisite documentation, including substantiating proof of identity, an identity theft report, specific identification of disputed information, and a formal statement disassociating said information from any consumer-initiated transactions. Notwithstanding the provision of comprehensive documentation, including my driver 's license, social security card, and an FTC report, the agency has regrettably neglected to fulfill its statutory duty within the prescribed four-business-day timeframe.

My paramount concern stems from the agency 's apparent non-compliance with federal statutes enacted to safeguard consumers against the deleterious effects of erroneous credit reporting. As such, I am compelled to signal my intent to pursue further recourse, including, but not limited to, legal remedies, absent expeditious compliance with the mandates of 15 U.S.C. 1681c2. I therefore implore the agency to promptly rectify the identified inaccuracies in my credit report and take requisite measures to ensure future adherence to federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts 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 has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: NY

Complaint narrative:
15 USC 1681s-7 ( A ) ( i ) RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES : Negative information ( A ) Notice to consumer required ( i ) in general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( P ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.

( ii ) notice effective for subsequent submissions After providing such notice the financial institution may submit additional negative information to a consumer reporting agency described in section 1681a ( p ) of this title with respect to the same transaction, extension of credit, account, or customer without providing additional notice to customer.

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 2024-02-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
According to code, USC 1666B. I did not have my consent to report any payment arrangements. It was made on account. Contacting all three credit bill about same issue. Provided all documents that shows that the reporting agency reported incorrect information no action taken from reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
Today XX/XX/, I ( XXXX XXXX ) Was contacted by another collections agency and it led me to investigate my credit report. Finding that there is a collections mark from a " Jefferson Capital System '', from a XXXX Reward card. 
I ( XXXX XXXX ), have never opened a XXXX reward card nor am i the owner who has access to the account. My mother ( XXXX XXXX ) is the account owner and the only person who has access to it. I am only finding out about it due to my personal investigation. This account was opened under my name, my mother having access to all my information and listing herself as the secondary name on my credit report. 
I put in a dispute to have her name removed and it has now been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: IL

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from my credit 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