vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-28 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: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX XXXX breach, which has exposed my sensitive data to unauthorized individuals.The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX Account # XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX Account Status : Open XXXX XXXX  Account # XXXX Balance : {$1600.00} Date Opened : XX/XX/XXXX Account Status : Open XXXX XXXX Account # XXXX Balance : {$790.00} Date Opened : XX/XX/XXXX Account Status : XXXX XXXX XXXX Account # XXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX Account Status : Open XXXX XXXX XXXXXXXX Account # XXXX Balance : {$120.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX XXXX Account XXXX XXXX Balance XXXX {$790.00} Date Opened : XX/XX/XXXX Account Status : Open XXXX  Account # XXXX  Balance : {$2300.00} Date Opened : XX/XX/XXXX Account Status : Open UNAUTHORIZED INQUIRES Creditor Name Date of inquiry Credit Bureau XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX RESIDENT VERIFY XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 2024-11-28 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: MS

Complaint narrative:
There are inaccuracies on my credit report linked to 15 USC 1681c-2. The inquiries listed were not authorized by me, and I request their removal as they are impacting 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 2024-11-28 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 2024-11-28 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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Federal Trade Commission XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Urgent Action Required - Inaccuracies on My Equifax Credit Report Dear Sir/Madam , I am writing to formally address significant inaccuracies present on my Equifax credit report, which I have been experiencing for over XXXX years. It has come to my attention that Equifax has violated my rights by reporting incorrect information across multiple platforms, which has severely impacted my creditworthiness and financial stability. 

Upon reviewing my credit report for XXXX, I noticed there is no date of Last Activity listed, Versus information provided XXXX report of XXXX. This discrepancy raises serious concerns about the accuracy and fairness of my credit reporting, which is supposed to be protected under 15 U.S. Code 1681, specifically the Congressional findings and statement of purpose regarding ACCURACY AND FAIRNESS OF CREDIT REPORTING.

Equifax 's failure to provide accurate information is not only a violation of my rights but also undermines the integrity of the credit reporting system. Therefore, I urge the CFPB and FTC to take corrective action regarding this matter. Specifically, I request the immediate removal of XXXX XXXX XXXX  XXXX from my credit report until these inaccuracies are resolved. 

I trust that you will treat this matter with the urgency it deserves and look forward to your prompt response regarding the steps that will be taken to rectify these issues. 

Thank you for your attention to this serious matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
On XXXX XX/XX/year> I was made aware of the debt as I never recived a letter of the debt as I had left the orginial address I was not aware of the debt for over a year. Upon discovery I called and let the company know there must be a error because I moved out due to XXXX XXXX and there had to be a mixup. I requested via fax XXXX XX/XX/year> them send the orginial contract and the itemize ledger to prove to the agency that the creditor is asking for money beyond my XXXX  date so there was no possible way I could owe. The debt collector never sent the requested information and I sent a follow up fax stating I never recieved my requested items to validate the debt. 

Fastfoward alot during my new duty station I lost track of following up with this debt .. and began working on removing this from my credit and the company informed me they would not speaK with me because they said I authorized a legal representative from XXXX  which was not true and I informed them myself that this was not correct I did not authorize legal representation from them. They told me I would need to contact them to release the representation but upon calling XXXX they informed me the debt collector is stating they needed to XXXX XXXX  they needed me to authorize them to represent me by providing them with a 5 digit pin which I never provided. I am using 5 lakes for other finaicial related issues but not this collection. XXXX XXXX  informed fco they are not representing me and still refuse to speak to either of us. theyve provided my information to an unauthorize 3rd party fco is using extreme tactics such as no proper notification, refusal to validate debt, and extreme avoidance to stick these fraudlent debt to me. the debt was never validated and when I pointed it out fco never responded to my second fax. I forwarded all my mail to my new address but still never recieved a response. FCO is not abiding by fair trade laws and I am being victimized to fradulent debt its ruining my chances to provide for my self and family

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 2024-11-28 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: MD

Complaint narrative:
To Whom It May Concern, The incorrect items listed below appear on my credit report. I would like these ENCLOSED items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
XXXX, went on vacation in XXXX. My wife and I were out walking around and these XXXX guys cornered us and were asking for donations, we got to talking about what they wanted donations for and it was to start their rap careers. They told us they were trying to get {$120.00} each and I said absolutely not. I told them I would give each of them {$20.00} and they both stuck their card machines under my debit card so fast I couldnt even see what they had typed up as the charge. Whole thing seemed fishy, had a feeling I got scammed so my wife and I walked back to our hotel room, checked and each of those guys had charged around {$50.00} to my card. Immediately cancelled my debit card and called the bank, explained exactly what happened. A few hours later ( I dont remember exact time ) one of the charges doubled to {$110.00} without my authorization on that either. Couple days go by and all charges get refunded. Now yesterday ( XXXX ) the {$110.00} charge was taken back out of my account so I called the bank to ask why it was taken back out, the customer service rep told me basically, you got scammed. Its not a fraudulent charge because you gave them your card. The actual amount charged to the card is between you and the merchant. My bank should have all calls recorded if you need more details, there was much more to it at the time but Im sure Im missing something since it happened over a month ago at this point.

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 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 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: CA

Complaint narrative:
I am submitting this complaint regarding fraudulent activity on an unauthorized entry from XXXX XXXX Bank, which has negatively impacted my credit reports with Equifax, XXXX, and XXXX. I have identified this account as fraudulent through my review of recent consumer reports, mail correspondence, and confirmation of being a victim of identity theft. I have attached it to a formal FTC Identity Theft Report. 

The specific account in question is : XXXX XXXX XXXX XXXX XXXXXXXX This account reflects unauthorized payments and credit line increase requests that I did not initiate or authorize. Furthermore, I discovered that a prior dispute was logged on this account without my consent. I have never provided written permission for this account to be reported or for the transactions to occur.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report, I found errors tied to 15 USC 1681c-2. The listed hard inquiries were unauthorized and are harming my credit score. Please remove them as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-11-28 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:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$560.00}

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 2024-11-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXXXXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$560.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Seeing fraudulent and unauthorized inquiries on my credit report has been deeply concerning. I did not apply to these companies, nor did I give them permission to access my credit. Its incredibly frustrating to have my rights as a consumer violated in this way, especially when I take great care to protect my personal information. My life is already filled with enough stress, and dealing with these fraudulent inquiries only adds to it.

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 2024-11-28 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: AL

Complaint narrative:
My issue is not with my mortgage company. After contacting them they corrected the inaccurate reporting ( 30 & 60 day late payments ). My issue is with TransUnion, the only credit reporting agency who hasnt updated my credit report/credit score. After three disputed filed with TransUnion they are still penalizing my credit score with this incorrect information. Their justification is my mortgage company verified the information, not true. Aside from them verifying it when it was first -inaccurately- reported.

If the other two credit reporting agencies have no issue correcting inaccurate information, without me disputing it, why cant TransUnion do it sometime between the three disputes they actually reported as investigating? They actually sent me an email notifying me I had cancelled the last one - also inaccurate.

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 2024-11-28 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: TX

Complaint narrative:
I recently noticed that my credit report contains incorrect personal information, which has led to the appearance of accounts that I do not recognize or have any connection to. These inaccuracies are deeply concerning as they not only misrepresent my financial history but also impact my ability to maintain a healthy credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am writing to formally report deception and lack of disclosure regarding the promotional offer I received from American Express in XX/XX/year>, which has resulted in significant financial implications for my business. 

Upon receiving your promotional materials, I was encouraged to apply for the XXXX XXXX Credit Card, with the explicit representation that by spending {$15000.00} within the first three months, I would qualify for a bonus and enjoy an introductory zero percent APR for the first six months. Trusting these representations, I proceeded to spend {$18000.00} in the first month, only to be confronted shortly thereafter with a minimum payment request of $ XXXX first payment. 

It is important to note that I was under the impression that this credit arrangement would function like a standard revolving credit account, allowing for 1-2 percent of the balance only in the minimum monthly payment. However, I have since come to realize that the terms associated with this card do not align with the typical expectations of a credit card. The failure to disclose critical information regarding the nature of this credit arrangement has resulted in an undue financial burden and has adversely affected my business operations, which I strategically planned based on the assumptions fostered by your promotional communication.

Moreover, I was charged a {$370.00} annual fee immediately upon activation of the account, a cost I would have reconsidered had I been fully informed of the true nature of this credit offering. The lack of transparency regarding these fees and conditions has led to a breach of trust and has caused me to incur expenses that I would not have otherwise accepted. I demand to get a refund of this {$370.00} and compensation for the damage that American Express has done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation