vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-11 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank 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 explanation
Consumer complaint received 2024-12-11 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank 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 explanation
Consumer complaint received 2024-12-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Dispute of Debt Collection by Midland Credit Management , Inc . 

Dear CFPB Representative, I am writing to formally dispute the debt collection attempt made by Midland Credit Management , Inc. ( MCM ), as referenced in their correspondence to me dated XX/XX/2024. This debt appears to be inaccurate and should not be associated with me for the following reasons : 1.Verification of Debt : The Fair Debt Collection Practices Act ( FDCPA ) requires that a debt collector provide complete verification of the debt, including the original agreement and transaction details. I have not received sufficient documentation to validate this claim. 

2.Possible Errors in Reporting : There may be inaccuracies in the information provided by MCM. For example, the debt 's ownership and chain of custody appear unclear, as it was transferred or sold from XXXX, XXXX, without proper documentation provided to me. 

3.Statute of Limitations : Depending on the date of default and the governing state laws, this debt may fall outside the statute of limitations for collection, rendering it uncollectible.

4.Potential Violations of the Fair Credit Reporting Act ( FCRA ) : If MCM has reported this alleged debt to credit bureaus without proper validation, it may constitute a violation of the FCRA.

I request that you investigate this matter thoroughly and ensure MCM is complying with all applicable regulations. Furthermore, I ask that the CFPB direct MCM to provide the following : - A complete and detailed validation of the debt. 
- Proof of the original creditor 's contract and the chain of custody showing MCMs legal right to collect this debt. 
- Confirmation that this debt is not beyond the statute of limitations for collection in my state. 

If Midland Credit Management , Inc., fails to provide this information or is found to have violated the law, I request that the debt be removed from my records and that MCM cease all further collection attempts. 

Please inform me of the outcome of your investigation. I am prepared to provide additional documentation or information if needed. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: VA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Customer Name : XXXX XXXX Social Security Number : XXXX Credit Card Application Reference Number : XXXX Dear Capital One, I am contacting you with regards to the above-referenced application for a Capital One QuicksilverOne Card. You mailed me a letter indicating that this application was denied. I am concerned that this credit denial violated several laws for the following reason : In your letter, you listed a non-decisive factor as your basis for a denial of credit which amounts to giving false and inaccurate information to a consumer. That is a violation of 15 U.S. Code 1611. Particularly, your letter stated : >Based on your application information, application submitted is incomplete or can not be verified Not only is this information inaccurate, it has no bearing on the only legally-valid basis for you to consider in making your credit approval decisions, which is the ability of the consumer to actually repay the debt, so these factors should have never been considered when evaluating my creditworthiness in applying for this credit card.

Under 15 U.S. Code 1681, you have engaged in adverse action by unlawfully denying me access to a line of credit. Pursuant to my rights under that statute as a consumer, I request that you rescind this denial decision and reconsider the above-referenced application for a credit card with the aforementioned non-decisive factors excluded from your determination of my creditworthiness. 

In short, there is no legally valid reason for you not to approve this credit card application, so I am further requesting that you manually approve this application and mail me a new Capital One QuicksilverOne Card to the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Should you fail to comply with the above-referenced request within 45 days of receiving this letter, you are hereby placed on notice that you may be subject to civil liability under 15 U.S. Code 1691e for violating the Equal Credit Opportunity Act. 

If you have any questions about this process, feel free to call me at : XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: CA

Complaint narrative:
Subject : Formal Dispute of Alleged XXXX Account Reporting Dear Experian XXXX XXXX XXXX XXXX XXXX, I am writing to formally dispute the reporting of an alleged XXXX account # XXXX on my credit report, as I believe it is being reported without my permission or authorization. Pursuant to 15 U.S. Code 1681c-2, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to ensure that only accurate and legally verified information is included in my credit file. 

I have not authorized XXXX or any related entity to open or report this account on my credit profile. Therefore, I request : 1. Verification of the account, my wet signature, my bank statement in my name stating I XXXX XXXX XXXX XXXX was the person that was paying for this alleged account in my name. Including documentation proving my consent to open and/or report this account to the credit bureaus. 


2. Immediate removal of this account from my credit report if such documentation can not be provided. 


I expect this dispute to be handled promptly and within the 30-day timeframe required under the FCRA. 

Please provide a written response detailing the investigation results and any actions taken regarding this dispute. If the account is not removed or verified, I reserve the right to escalate this matter, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate authorities. 

Thank you for your immediate attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX Let me know if you'd like assistance with any modifications!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: RI

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX my husband and I went to XXXX XXXX XXXX to trade our company vehicles. 
On XX/XX/XXXX, I received a notification from the monitoring credit bureau that my credit has dropped over XXXX points. 
I had no idea what was going on and I started investigating the situation. 
On XX/XX/XXXX, I called Chase Auto to see why they posted that I was 30 days late on my truck payment when I traded the vehicle on XX/XX/XXXX to XXXX XXXX XXXX. They said they haven't received the payoff from the dealership. I said yes you have. I have the recipe they sent me from the pay off. The superior advised me to go to a chase bank branch and fax the payoff receipt to them. I did exactly as they asked. He then told me to call Chase auto back while I'm at the chase bank branch and let them know the fax was sent. I did that, but while I was talking with another supervisor from Chase auto, she started to accuse me of being late on my payment. I've never been late on any of my payments nor any of my chase credit card payments. I told her the payoff that the dealership sent paid the XXXX payment and the rest of the vehicles balance. I then, Ask her to back date my account and remove the discrepancy from my credit. She began to accuse me again of me not paying my payment and it was late. I could see that she was trying to entrap me. So, I explained to her again. The payment wasn't late and the payoff covered all balances owed on the vehicle. Needless to say, nothing was done and no back date was added to my account to correct the discrepancy on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc.
State: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Opened account with Marcus Goldman Sachs and deposited {$17000.00} {$10000.00} from XXXX and {$7000.00} from XXXX XXXX XXXXXXXX ( 3-5 months ago ) I tried to deposit another amount into the XXXX  but they locked my account since the transfer was rejected and then they locked and closed the account afterwards.I 've been in contact with them the past couple of months calling about the reason for why they closed my account and then trying to receieve the money back into the funding accounts but they would not help at all and just said to have my bank to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: MN

Complaint narrative:
Below are the key points of my complaint : 1. Statement Discrepancy : Upon closing my account due to fraudulent activity, I received a statement reflecting a positive balance of {$300.00}. When I contacted your office to request this balance, I was informed the account was actually negative {$300.00}. The representative indicated this was due to the placement of the dash after the {$.00}. 
I was under the understanding that in banking and mathematics, a negative balance is explicitly marked with a negative sign in front of the amount or otherwise clearly identified. 
Questions : Is the use of a dash placed after the amount now a standard practice to indicate negative balances in banking? 
If so, how long has this method been in use? 
2. Fraudulent Activity and Lack of Supporting Documentation : I have repeatedly requested documentation supporting the denial of my previous fraud claims, including a transaction list and evidence of the charges in question.

For example, one fraudulent ATM transaction for {$3000.00}, dated XX/XX/year>, remains unexplained and unsupported by any provided documentation. 
Why has there been a failure to provide transaction records to substantiate the claim that my account is negative? 
3. Misrepresentation and Emotional Impact : The ongoing misrepresentation and lack of transparency around my account have caused significant emotional and financial strain, particularly as I continue to deal with identity theft, personal family challenges, and other stressors. 
The failure to address these discrepancies feels not only neglectful but retaliatory, given the challenges I am already facing. 

I am requesting a detailed explanation of : The rationale for marking my balance as negative without explicitly labeling it as such. 
A full account history with supporting documentation for all transactions associated with my fraud claims. 
An explanation for the continued lack of transparency and apparent misrepresentation in the handling of my account. 

I expect a prompt and thorough response to these concerns. I look forward to your resolution of this matter in a manner that upholds professional and ethical banking standards.

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