vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-21 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : 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 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

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 2024-10-21 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: AL

Complaint narrative:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 1XXXX XXXX Inquiry from XX/XX/XXXX 2. XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX 3. XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 4..XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry fromvXXXX 7. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 9. XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 10. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 12 XXXX BANK XXXX XXXX Bank - XXXX XXXX  Inquiry from XX/XX/XXXX 13XXXX XXXX XXXX Companies - Finance Inquiry from XX/XX/XXXX 14. XXXX  -Inquiry from XX/XX/XXXX 15. XXXX - Inquiry from XX/XX/XXXX 16. XXXX XXXX - Inquiry from XX/XX/XXXX 17. XXXX - Inquiry from XX/XX/XXXX 18. XXXX - Inquiry from XX/XX/XXXX 19. XXXX XXXX - Inquiry from XX/XX/XXXX 20. XXXX - Inquiry from XX/XX/XXXX 21. XXXX - Inquiry from XX/XX/XXXX 22. XXXX - Inquiry from XX/XX/XXXX 23. XXXX Inquiry from XX/XX/XXXX 24. XXXX - Inquiry from XX/XX/XXXX 25. XXXX XXXX - Inquiry from XX/XX/XXXX 26. XXXX - Inquiry from XX/XX/XXXX 27. XXXX - Inquiry from XX/XX/XXXX 28. XXXX XXXX -Inquiry from XX/XX/XXXX 29. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 30. XXXX XXXX  XXXX XXXX XXXX Used Inquiry from XX/XX/XXXX 31. XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 32..XXXX XXXX XXXX XXXX XXXX Used inquiry from XX/XX/XXXX 33..SANDYSANSI - Inquiry from XX/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 explanation
Consumer complaint received 2024-10-21 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: AL

Complaint narrative:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 1.XXXX  XXXX XXXX from XX/XX/XXXX 2. XXXX Bank XXXX XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 4..XXXX  XXXX  Credit Bureaus/Mortgage Processing Inquiry from XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 7. XXXX XXXX  XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX 9. XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 10. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 11.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 12 XXXX BANK XXXX XXXX Bank - Mortgage Loans Inquiry from XX/XX/XXXX 13.XXXX XXXX XXXX XXXX - Finance Inquiry from XX/XX/XXXX 14. XXXX -Inquiry from XX/XX/XXXX 15. XXXX - Inquiry from XX/XX/XXXX 16. XXXX XXXX - Inquiry from XX/XX/XXXX 17. XXXX - Inquiry from XX/XX/XXXX 18. XXXX - Inquiry from XX/XX/XXXX 19. XXXX XXXX - Inquiry from XX/XX/XXXX 20. XXXX - Inquiry from XX/XX/XXXX 21. XXXX - Inquiry from XX/XX/XXXX 22. XXXX - Inquiry from XX/XX/XXXX 23. XXXX Inquiry from XX/XX/XXXX 24. XXXX - Inquiry from XX/XX/XXXX 25. XXXX XXXX - Inquiry from XX/XX/XXXX 26. XXXX - Inquiry from XX/XX/XXXX 27. XXXX - Inquiry from XX/XX/XXXX 28. XXXX FCU -Inquiry from XX/XX/XXXX 29. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 30. XXXX XXXX  XXXXXXXX XXXX XXXX, Used Inquiry from XX/XX/XXXX 31. XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX 32..XXXX XXXX XXXX XXXX  XXXX, Used inquiry from XX/XX/XXXX 33.XXXX - Inquiry from XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Collection agency name : XXXX XXXX  Address : XXXX XXXX XXXX old XXXX, NY XXXX Account number : XXXX Your NAME : XXXX XXXX Dear XXXX Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt 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 2024-10-21 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Newman & Marquez, P.A.
State: FL

Complaint narrative:
Medical bill for several visits to XXXX  office XXXX XXXX XXXX PA went into collections and now the office that bought this debt is harassing me constantly and increasing amount owned. Original visits to the doctor resulted in using medical insurance and there was deductible collected for each visit .Then few months later comes bill from them that I own additional money that never was communicated at the time of the visit. Very shortly it was obtained by some collection agency ( Newman and Marquez PA ) .I contacted them and writing stating that I am disputing the debt mentioned but ever since they continue harassing me and increasing allegedly owned amount. I need help resolving that. I'm not responsible for the fees and amounts they are trying to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: OH

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is as follows : - Creditor Name : XXXX XXXX XXXX XXXX XXXX Account Number : Unknown - Date of Charge Off : XX/XX/XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of first delinquency that led to the charge- off ( 15 U.S.C 1681 c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. Thank you for your prompt attention to this matter. 

Company Did NOT respond within 30 days. They reported their investigation was in progress as of XX/XX/XXXX, as of today, XX/XX/XXXX they have not responded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
XXXX Account is reporting on XXXX, XXXX, XXXX as closed. This account is fully paid in full with Zero ( 0 ) debt owed to company. This reporting is taking an Affect on my credit report from all bureaus and needs to be removed as it is paid in FULL. 

U.S.C 1681 ( a ) -In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 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.

Under the Fair Credit Reporting Act 15 U.S.C 1681 Section 604 A Section 2 and 15 U.S.C 1681 section 602 A. - These accounts shall be removed/deleted immediately until they receive my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: IN

Complaint narrative:
This particular complaint is specific to TransUnion. However, I have disputed with TransUnion, XXXX, and XXXX, as well as the creditors a few times at this point. I have even gone further to send things to your company to still have the items on my report. I had to go and study and do my due diligence to find more support as to why these items must be permanently deleted from my reports. The following are the items that must be deleted according to 15 U.S.C. subsection 1681 et seq. 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

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 2024-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I opened a new checking account in XXXX and deposited XXXX and then I went on a trip I wont be back till XXXX but fifth third bank has decided to do a security check that requires me to be there in person to show two forms of identification, even though I did that in person when I opened the account now I cant access my funds for about six months I contacted the bank and they were not able to just close my account and return my funds they say the only way is to be there in person and that wont be possible for another six months

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Macys credit card. Been an account holder since XXXX. Fraudulent use of card and automatic transfer from personal checking accounts to pay Macys credit card. 

The following transactions were not authorized : XX/XX/XXXX : {$130.00} XX/XX/XXXX : {$95.00} XX/XX/XXXX : {$350.00} XX/XX/XXXX : {$1100.00} XX/XX/XXXX : {$19.00} XX/XX/XXXX : {$1700.00} XX/XX/XXXX : {$660.00} XX/XX/XXXX : {$610.00} XX/XX/XXXX : {$2700.00} I only discovered the fraudulent activity when the bank with my checking accounts ( Chase ) notified me that a {$5000.00} payment was authorized and paid to Macys.

I called Macys and XXXX on XX/XX/XXXX to report the fraud. Macys cancelled the card and reported they would investigate. Macys also reported that the {$5000.00} payment to them was initiated using their telephone system. This is not how I pay them- I usually pay them by authorizing payment using my online account.

Macys issued a new card, but did not return the {$5000.00} that was taken, and instead, transferred the outstanding account balance from the fraudulent purchases to the new card/account. Although Macys was aware of the fraudulent transactions given my report and call, another unauthorized purchase for {$260.00} posted on XX/XX/XXXX. 

I have been given the following confirmation ID by Macys : XXXX and 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 monetary relief
Consumer complaint received 2024-10-21 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: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Agency I am writing to formally dispute the account reported on my credit file, associated with account number XXXX. After careful review, I have identified several inaccuracies regarding this account that violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ). As these sections state, all information on my credit report must be accurate across all three credit reporting agencies. Unfortunately, the reported information concerning this account fails to meet that standard. Despite my previous efforts to resolve these discrepancies, your agency has continued to verify and update the account without correcting the inaccuracies. I must inform you that if these inaccuracies are not rectified within the next 30-45 days, I will be forced to pursue legal action for damages of {$1000.00} for each erroneous entry reported on my credit file. Furthermore, I am referencing a letter you previously sent, in which you confirmed that this account was no longer being reported to the three major credit bureaus. Despite this, I have confirmed that the account is still being reported on my Experian credit report, which is both confusing and distressing. Given that this account has already been removed from the other bureaus due to consumer rights violations, I demand the immediate and total removal of this account from all credit reports, including Experian. Please consider this matter urgent. I expect a prompt response and confirmation of the deletion of this account from my credit reports. Failure to address this will result in further action. Thank you for your attention to this serious issue. I look forward to your swift response. Sincerely, 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 2024-10-21 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: DE

Complaint narrative:
My name is XXXX XXXX XXXX and this is not a third party filing this complaint. This complaint is to inform you I am being taken advantage of by the credit reporting agencies. They are not verifying this information that they are furnishing on my report. And this is a violation. This information is 100 inaccurate and I need it removed immediately. It has caused my grave financial woes.

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 2024-10-21 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: DE

Complaint narrative:
My name is XXXX XXXX XXXX and this is not a third party filing this complaint. This complaint is to inform you I am being taken advantage of by the credit reporting agencies. They are not verifying this information that they are furnishing on my report. And this is a violation. This information is 100 inaccurate and I need it removed immediately. It has caused my grave financial woes.

Company response to consumer: Closed with non-monetary relief