vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-24 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:
I just recently looked at my credit report and noticed it had fraudulent accounts, please investigate them and remove them. 

XXXX XXXX XXXX XXXX XXXX 
Account XXXX : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report.

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report.

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.

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 2024-08-24 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: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 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: GA

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.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 non-monetary relief
Consumer complaint received 2024-08-24 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: GA

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.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX ) ( XX/XX/XXXX ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. 

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 2024-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Comerica
State: FL

Complaint narrative:
On Friday XX/XX/XXXX I was not able to long into Web Banking and called Comerica Bank XXXX Customer Service line. Was told there was no issue with Web Banking and the problem must be on my side. Tried numerous times to log in and decided to wait 24 hours and try again. Today Saturday XX/XX/XXXX attempted numerous times to log in and was not successful.

Today I called Comerica Bank XXXX Customer Service Line and was told Comerica Web Banking is not working and their IT department is working to fix it.

This is not acceptable to be locked out of Banking Access for 24 - 48 hours.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 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: GA

Complaint narrative:
Credit card application was. Made by someone using capitol one I didnt authorized it I need it removed from every credit bureau!!! 

XXXX XXXX ran my credit without my authorization and i need the inquiry removed XXXXXXXX XXXX XXXX XXXX derogatory statements on my credit that are too old and should be removed I paid as agreed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: GA

Complaint narrative:
Credit card application was. Made by someone using XXXX XXXX  I didnt authorized it I need it removed from every credit bureau!!! 

XXXX XXXX ran my credit without my authorization and i need the inquiry removed XXXXXXXX XXXX XXXX XXXX derogatory statements on my credit that are too old and should be removed I paid as agreed

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 2024-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/XXXX l got an email for a cancelled flight to XXXX scheduled for Monday XX/XX/XXXX due to XXXX XXXX. The same day l called the XXXX ( whom l set up trip through ) to inquire how do I get my money back for trip. The claimed they could do nothing but said l could contact the airlines and resort. I contacted XXXX XXXX resort on XX/XX/XXXX and they informed me that they have a no refund policy and l would need to contact the resort on scheduled day of arrival ( XX/XX/XXXX ) to reschedule. On XX/XX/XXXX l tried to contact resort to no avail ( storm XXXX was in effect ). l contacted Bank of America ( BofA ) and on XX/XX/XXXX they issued me a conditional credit of XXXX for the resort dispute. On XX/XX/XXXX BofA sent me a letter denying my claim based on information from XXXX XXXX resort that they already refunded me cash or credit on XX/XX/XXXX. XX/XX/XXXX l informed BofA l had nothing from the resort. That same day l contacted the resort and they informed me that they had not sent me anything to date but did agree to send a voucher out that same day. I do have the email from resort dated XX/XX/XXXX stating that they did not send out voucher as they had informed BofA in which BofA used this information to base their denial of my claim. Due to the integrity of both parties l am requesting a refund XXXX XXXX XXXX XXXX XXXX : XXXX To : XXXX XXXX Tue XXXX XX/XX/XXXX at XXXXXXXX XXXX Dear XXXX XXXX, We do take this opportunity to wish you a wonderful week and once again we would like to extend our apologies for the delay in sending this voucher over to you. 

Further to your telephone conversations with the team, I have attached the updated voucher for a future stay which is valid until XX/XX/XXXX. 

Please reach out to us directly when you are ready to redeem your voucher and or if you have any questions. 

We look forward to welcoming you to the XXXX XXXX XXXXXXXX XXXX 


Regards, XXXX XXXX XXXX | Reservations Agent | XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Reservations : XXXX ( Local ) : XXXX ( XXXX XXXX XXXX XXXX XXXX | XXXX ( Toll Free ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX out our video 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 monetary relief
Consumer complaint received 2024-08-24 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: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
My credit report was pulled on the XXXX XXXX XXXX  and XXXX points were removed from my credit score and I didnt open any account or didnt know anything about the bank. I called the phone number on the account that pulled my credit and put injured on my account but they didnt say anything and up to now the account is on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This company LNVN Funding in whom I know nothing about has been consistently calling, threatening to sue me, threatening to garnish my wages and it is becoming overwhelming as well as harassing communication. I have know knowledge of this company whatsoever. I have never been in any agreement to work with this agency. I am seeking proof and evidence stating that I have signed any sort of agreement with agencies listed below.

LNVN Funding ( I don't know full account number ) account number starts with XXXX XXXX XXXX XXXX ( I don't know full account ) account number starts with XXXX. These debt collectors are harassing me consistently. I am requested a no other phone calls, emails, or letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: FL

Complaint narrative:
I just recently looked at my credit report and noticed it had fraudulent accounts, please investigate them and remove them. 

Account XXXX : XXXX  XXXX. 
Account XXXX : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report.

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report.

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.

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 2024-08-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have tried to obtain verification of this debt fromXX/XX/XXXXAccount Number XXXX regarding an alleged debt from an original creditor XXXX XX/XX/XXXXI am requesting complete validation of the original debt in its entirety to include : Ownership of debt Identifying documents Original contract Date of original account opening Date of original account delinquency Original account payment history I have not received any such information. 

I was never notified of the debt prior to it being reported to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Formal Dispute Regarding Incorrect Address on Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information appearing on my credit report. Specifically, the address listed on my credit report is erroneous. The incorrect address is as follows : Incorrect Address : XXXX XXXX XXXX XXXX, TX XXXX Incorrect Address : XXXX XXXX XXXX XXXX Tx XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX This address is not associated with me or my credit history. I have never resided or conducted any financial transactions from this location. My correct and current address is : Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX I have already contacted the credit reporting agencies to rectify this error, but I am seeking your assistance in ensuring that this matter is resolved promptly. The inaccurate information could potentially adversely impact my creditworthiness and cause confusion in any financial transactions I may initiate. 

Enclosed with this letter are copies of my identification documents ( e.g., drivers license, utility bill ) and a copy of my credit report with the erroneous address highlighted for your reference. 

I kindly request that the CFPB initiate the necessary investigation and resolution of this error. Please provide me with an update on the actions taken to address this matter. 

Thank you for your prompt attention to this matter. I eagerly anticipate your response and the timely resolution of this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
Have had a TdBank gift card that they have terminated all transactions on. TDBank claims this was a company wide action and all card holders will be forced to " cash out '' remaining funds, whether thats at local branches or through customer service. If at bank they will provide cash, and if through customer service they will mail check. I have been waiting for a refund from XXXX in the amount of {$320.00}. XXXX has tried 2 times to refund the funds but there is a " processing error '' because this card has been terminated. I have contacted TDBank numerous times. I most recently spoke to XXXX XXXX who was VERY UNPROFESSIONAL, and her excuses and lack of resolutions and willingness to resolve the matter are BEYOND UNACCEPTABLE ( Local news station has been contacted as well ) I have asked MANY agents where I can find the writing of this new company action, nobody can provide that. I also went to local branches ( 2 ) and they said they have no information either, only thing they can think of was that it was an " internal message ''. This company has been very UNETHICAL. They gave NO warning about this drastic change. Did NOT give any card holders a warning so they could use the cards. I have been given many excuses but nobody can provide any documents or any resolution. This is a SERIOUS CONSUMER PROTECTION ISSUE. The company keeps telling me to resolve with XXXX. But XXXX has told me they have exceeded the number of attempts for return and it's up to financial institution. THEY SHOULD HAVE NEVER TERMINATED THE CARDS WITHOUT LETTING PEOPLE KNOW!!!!!! YOU SHOULD BE ASHAMED OF YOURSELF ESPECIALLY WITH NO MORALS OR BUSINESS ETHICS!!! 

I have attachments but they are failing to upload.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: BROKER SOLUTIONS, INC.
State: NC

Complaint narrative:
I am writing to formally submit a complaint regarding unauthorized hard inquiries on my credit report that I believe to be fraudulent. I have discovered several inquiries made in my name that I did not authorize, and I am requesting that these inquiries be removed from my credit report as they negatively affect my credit score. 

The following fraudulent hard inquiries have been identified : XXXX XXXX XXXX XXXX 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 I have not authorized any of these inquiries, and they appear to be the result of identity theft or fraudulent activity. I have already taken steps to secure my personal information and am in the process of disputing these inquiries with the credit reporting agencies. However, I seek your assistance in ensuring that these entries are investigated and removed from my credit report. 

Please let me know if you require any additional information or documentation to support my claim. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: CrossCountry Mortgage LLC
State: NC

Complaint narrative:
I am writing to formally submit a complaint regarding unauthorized hard inquiries on my credit report that I believe to be fraudulent. I have discovered several inquiries made in my name that I did not authorize, and I am requesting that these inquiries be removed from my credit report as they negatively affect my credit score. 

The following fraudulent hard inquiries have been identified : XXXX XXXX XXXX XXXX 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 I have not authorized any of these inquiries, and they appear to be the result of identity theft or fraudulent activity. I have already taken steps to secure my personal information and am in the process of disputing these inquiries with the credit reporting agencies. However, I seek your assistance in ensuring that these entries are investigated and removed from my credit report. 

Please let me know if you require any additional information or documentation to support my claim. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have old credit card debt that has been re-aged. 2 accounts with Portfolio Recover, 1 with XXXX XXXX, and 2 with XXXX XXXX. All of these debts are over 7 years old, yet dates have been wrongfully updated. Accounts have been closed/charged off for a number of years. No payments, no contact with debt purchasers. All of these accounts have had the dates adjusted by the debt purchaser. Some of these are over 10-12 years old

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 explanation