vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 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: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of a fraudulent account and several unauthorized inquiries from my credit report under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of identity theft resulting from a data breach, and these items were added to my credit file without my authorization. 
Fraudulent Account Details : Creditor Name : FST PREMIE Account Number : XXXX Date Opened : XX/XX/year> Balance : {$770.00} Unauthorized Inquiries : XXXX. XXXX XXXX : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> XXXX. XXXX XXXX : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> XXXX. XXXX XXXX : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> XXXX. XXXX XXXX : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year> XXXX. Creditor Name : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/year> XXXX. Creditor Name : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/year> XXXX. Creditor Name : XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year> XXXX. XXXX XXXX : XXXX XXXX XXXX Date of XXXX : XX/XX/year> XXXX. Creditor Name : XXXX XXXX Date of XXXX : XX/XX/year> XXXX. Creditor Name XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year> XXXX. Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/year> XXXX. Creditor Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/year>

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 2024-11-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: OH

Complaint narrative:
I have two loans with ECSI from XXXX XXXX  : a XXXX ( XXXX ) at 5.75 % and a Busm Alumni ( XXXX ) at 2 %. On XX/XX/XXXX, i received a statement that said Payoff Amount for the XXXX was : " Payoff Amount thru XX/XX/XXXX : {$26000.00} '' These accounts were both already on recurring payments. 

On XX/XX/XXXX, I did a one time payment of {$26000.00}, which should have paid off the loan. 

Instead, on XX/XX/XXXX, that XXXX loan Payoff Amount was " Payoff Amount thru XX/XX/XXXX : {$37.00} '' and my recurring payment/auto-pay was cancelled. 

This is predatory practice of charges, fees, and account moves that I did not approve and was not made aware of that led to a late payment being reported to credit bureaus and my credit score dropping XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: PA

Complaint narrative:
this was not sent in error i am a consumer by law and my information was misused. Now I have some false not 100 % accurate accounts on my credit report and also not metro 2 compliant

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 2024-11-20 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: NY

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the fraudulent accounts listed below from my credit report. I am a victim of a data breach, and these accounts were opened or reported without my knowledge or authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed as they are the result of identity theft. 
Fraudulent Accounts : XXXX  XXXX - XXXX - XX/XX/XXXX - {$55.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$440.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$730.00} XXXX XXXX XXXX - XX/XX/XXXX - {$520.00}

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 2024-11-20 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-11-20 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Subject : Clarification of Loan Reporting by XXXX XXXX XXXXXXXX and XXXX Dear Resolution Department, I am writing to address an issue with the reporting of my student loan accounts, which I believe requires clarification. It appears that the same loan is being reported under two separate entitiesXXXX XXXX XXXX  and XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX ). 

XXXX XXXX XXXXXXXX and XXXX are effectively the same organization, with XXXX serving as the loan servicing entity. However, the current reporting reflects them as separate loans, inaccurately duplicating the account information. 
To resolve this matter, I kindly request the following : Confirmation of account details : Please confirm that the loan serviced by XXXX XXXX XXXX, as reported by Equifax under account number ending in XXXX with an outstanding balance of {$120000.00}, and the loan serviced by XXXX under account number ending in XXXX with the same outstanding balance of {$120000.00}, are indeed the same account. The current reporting makes it appear as though I have two separate student loans with a combined outstanding balance of {$250000.00} when, in fact, I only have one loan with a balance of {$120000.00}, serviced by XXXX ( formerly known as XXXX XXXX XXXX ). 

Correction of duplicate reporting : When XXXX XXXX XXXX transitioned to XXXX, the credit bureaus failed to delete the old account and are still reporting it under XXXX XXXX XXXX  Equifax continues to report the incorrect information for the account ending in XXXX, which no longer exists. Instead, XXXX replaced the account with a new account number. Despite my previous dispute communication to Equifax, this error has not been corrected. 

Update of credit records : I request that the duplicate reporting be corrected to reflect only one loan and that the relevant credit reporting agencies update their records to ensure accuracy. 

This discrepancy has caused significant confusion and negatively impacted my credit score and debt-to-income ratio, hindering my ability to apply for a home loan. I appreciate your prompt attention to this matter and look forward to a resolution. 

If you require additional information or documentation to verify my account, please do not hesitate to contact me at XXXX or via email at XXXX. 
Thank you for your time and assistance. 

Sincerely, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: NY

Complaint narrative:
Hello, I am writing to address a serious issue with my credit report. It shows a XXXX XXXX XXXX account that does not belong to me. This account is registered under the other person and was opened in XXXX. I arrived in the United States in XXXX and obtained my Social Security Number ( SSN ) in XXXX. It is impossible for me to have opened this account in XXXX!!! 

Additionally, the account holder resides in XXXX XXXX, while I live in New York. This discrepancy has caused significant confusion and distress. It took multiple attempts to finally connect with Experians customer service, but I found the assistance provided unprofessional and unhelpful. 

I kindly urge you to resolve this matter as quickly as possible. This is not my account, and I need it to be removed from my credit report immediately. 

Thank you for your prompt attention to this matter. Please let me know if you need further information to assist with the resolution. 

Sincerely,

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 2024-11-20 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:
This to follow up on a previous complaint filed. Please see attachments of the previous complaint.

Upon reviewing my Consumer Reports, I discovered a late payment on an account for which I have always maintained timely payments. Consumer agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on any of accounts including my XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I am very responsible and never had a late payment. I demand that discrepancy is removed from my report promptly and immediately, as I have upheld my payment obligations without delay.

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 2024-11-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: WV

Complaint narrative:
I do not believe the debt that is reporting on my credit report is valid

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: Consumer Adjustment Company Incorporated
State: GA

Complaint narrative:
To Whom It May Concern, I am submitting this formal dispute regarding the account listed on my credit report as follows : Creditor : Consumer Adjustment Co. 
XXXX XXXX : XXXX XXXX : {$1700.00} Account # : XXXX This account does not belong to me and appears to have been established fraudulently as a result of identity theft. Additionally, it is impossible for this account to be mine because at the time this account was allegedly opened, I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Description of What Happened : I discovered this account on my credit report and identified it as fraudulent. The account was not authorized, created, or used by me. To address the situation, I have taken the following steps : Reported identity theft to the Social Security Administration ( SSA ), which issued me a new Social Security Number ( SSN ). 
Reviewed my credit report to confirm this account does not belong to me. 
Disputed this account with credit bureaus to ensure its removal. 
Additional Supporting Details : At the time this account was opened, I was XXXX on XXXX XXXX in XXXX, XXXX, and could not have applied for or opened this account. I have included documentation of my XXXX to corroborate this fact. 

Amount in Question : The account reflects a balance of {$1700.00}, which is not my responsibility.

Actions Taken by Me : Reported the identity theft to the SSA and obtained a new SSN to prevent further misuse of my information.

Filed disputes with the credit bureaus regarding this account.

Sent a formal request for the removal of this fraudulent account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: MD

Complaint narrative:
Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: MI

Complaint narrative:
Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : 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 XXXXXX/XX/XXXX Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this re-investigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving 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 2024-11-20 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: CA

Complaint narrative:
My credit report has inquiries I don't recognize, I did not give permission to these companies to pull up my credit report. I don't like my rights as a consumer being violated, and it's one of the few things I want to be protected, my life is already stressful as it is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: MI

Complaint narrative:
TransUnion, XXXX, and XXXX continue to report incorrect information on my consumer report in which they resell for profits. I have previously disputed this information and the consumer agencies will not delete the information. My only name is XXXX XXXX and I do not have a residential address because I do not live in one place but a XXXX XXXX XXXX mailing purposes only which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not have a home and any address is not mine but those of other people that you have linked me to illegally and now causing me extreme problems. I have provided my identity paperwork and proof of my mailing address and yet each consumer agency still requested me to resend the information to stall int he removal process. TransUnion, XXXX, and XXXX now have XXXX business days to delete any information that are not willing to swear under penalty of perjury to. Failure to do so you will be sued. XXXX I am already suing you because of your inaccurate reporting and you still continue to break the law. TransUnion and XXXX now have the same opportunity before I sue you. You are for profit companies that make money solely from selling these reports and you have a legal obligation to report correct information. You are not and that is a big problem for me!

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 2024-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
On XX/XX/year> XXXX domestic wires for {$10000.00} totaling {$20000.00} was initiated with HSBC from XXXX XXXX XXXX. 
On XX/XX/year> XXXX XXXX XXXX requested return of wires of ( 2 ) {$10000.00} from HSBC. 
HSBC refused tio reply and no correspondence was sent back to XXXX XXXX XXXX made several numerous followups. 
On XX/XX/year> HSBC confirms receipt of recall wires from XXXX XXXX XXXX. 
HSBC stated will return the wires upon receipt of Hold Harmless Letter. 
On XX/XX/year> XXXX XXXX Bank Manager sent the Hold Harmless Letter to HSBC the HSBC rep confirmed with XXXX XXXX Bank manager has receipt of Hold Harmless Letter. 
On XX/XX/year> to current date XX/XX/year>. 
XXXX XXXX XXXX have not received the 2 wires of {$10000.00} totaling {$20000.00} no wires are been return to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: DISCOVER BANK
State: FL

Complaint narrative:
In early XXXX, I discovered an account from Discover Bank on my credit report that I did not open or authorize. The account, reported as charged off, reflects usage and payments that were not made by me. I immediately filed disputes with the credit bureaus and contacted Discover Bank to request evidence of my authorization for the account. Despite my efforts, the investigation concluded incorrectly, stating the account was valid.

Under the Fair Credit Reporting Act ( FCRA ), Sections 611 ( 1681i ) and 605B ( 1681c-2 ), I have the right to dispute inaccurate information and have fraudulent accounts removed from my credit file. Additionally, Section 623 ( 1681s-2 ) prohibits creditors from furnishing false or unverifiable information to the credit reporting agencies. The presence of this account on my credit report violates these rights.

I have also filed a police report and an FTC Identity Theft Affidavit to document this fraudulent activity. If this account is not removed promptly and corrective action is not taken, I am prepared to pursue legal remedies, including filing a lawsuit for damages resulting from the inaccurate reporting and failure to comply with federal law. I demand the immediate deletion of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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:
Recently, I checked my credit report, and I noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

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 2024-11-20 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: FL

Complaint narrative:
Recently, I checked my credit report, and I noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
They resolve this situation and update my credit accordingly.

Company response to consumer: Closed with explanation