vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-13 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

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 2024-02-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: CO

Complaint narrative:
I received an email on XXXX XXXX XXXX  from TrueAccord attempting to collect a debt for XXXX XXXX in the amount of {$1000.00}. 

I responded on XXXX XXXX XXXX  indicating that I " was not familiar with the account, '' and to " please send verification '' that I owed this debt. 

I was subsequently contacted by email on XX/XX/2024 by TrueAcccord indicating the same information as their previous contact adding : : '' we strive to make debt collection less daunting, '' and " TrueAccord Corp. uses digital communications ( like this email ) '' I responded again via email saying " Please send a validation of this debt. This is the second request. '' Following this began receiving multiple calls via automated dialers.

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 2024-02-14 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: FL

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
These debt keep reappearing on my credit. I have informed both the credit agencies and creditor that this is not my debt. Experian is reporting an very old debt that is not mine from XXXX XXXX XXXX Bal. {$31000.00} and another XXXX XXXX account on Experian - Bal - XXXX Please help me get this matter resolved once and for all. 

I also see incorrect address information : XXXX XXXX XXXX XXXX XXXX XXXX reporting that does not have a street number attached to it on Experian.

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 2024-02-13 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
On XX/XX/XXXX I reviewed my XXXX consumer report and noticed an inquiry from Transworld Systems , Inc. conducted on XX/XX/XXXX. I did not give my permission for them to access my XXXX consumer report.

I do not have an account with Transworld Systems, Inc, nor have I ever done business with them. 

This is a permissible pull violation under the Fair Credit Reporting Act. I want to know why Transworld Systems , Inc. looked at my consumer report without first obtaining the proper authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: MI

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I recently started a savings account with USAA in the amount of {$35000.00}. It's been about a month now. I have since reconsidered the viability and reliability of this bank. They will not let me access or transfer my funds because they say it's " too new. '' I want my money out of their hands and back into my savings account at XXXX XXXX XXXX. 

Surely this is not legal? Can you please help me get my money back? 

XXXX XXXX XXXX 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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: World Omni Financial Corp.
State: GA

Complaint narrative:
For the last several months I have spent time speaking with all XXXX credit agencies. XXXX and XXXX. Upon speaking with them i was asking for my credit report be updated from years of no reporting from different companies. 

After speaking with these agencies, I was informed they could not do any updating, they would have to receive a report from the vendor submitting an update such as accounts closed and paid off. They have XXXX days to update my credit file. 

I was informed that it does show my accounts was paid in full and closed, however there has not being any reports to the credit agencies in years and they don't fill they have to since the account is closed and paid in full. I have spoken with the companies many times asking for help only to no end.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MO

Complaint narrative:
I have been requesting since XX/XX/2023, for Jefferson Capital System to remove this account from my credit report. I have requested a validation of debt and have been denied. That the information is incorrect. I have advised repeat that these accounts need to be removed. They have constantly denied my request with stating the account has been verified. Please ask them to remove these accounts as they are affecting my ability to obtain funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm following up on my previous letter about inaccurate credit reporting. I demand an immediate, thorough investigation and correction, as the banks confirmed a glitch and fixed it ; any further delay will not be tolerated, and legal action will follow. Ensure my credit report reflects accurate information promptly, as it is crucial for my financial well-being. I expect swift resolution within the legal timeframe.

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 2024-02-14 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: TN

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

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 2024-02-14 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: TN

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them immediately.

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 2024-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP
State: CA

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. ( 15 USC 1681 section 604 A section 2 ) it also states a consumer reporting agency can not furnish an account Without my written instructions under ( 15 USCS 1666B ) states a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as a late for any purpose.

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been trying to log into my online Equifax account to my unfreeze my credit report so that I can start internet service at my new home. The internet provider requires all three credit bureaus to be unfrozen. I was able to do so within minutes of accessing XXXX 's and XXXX 's online portals. Equifax 's online portal, however, refused me access, despite me providing information exactly as it appears on my credit report. Equifax told me to call. When I called, the automated service put me through the same hoops as the online service, only to give me the same error about being unable to access my account. I tried online again, and the system said they would mail me a verification code. That verification code was either never mailed, or mailed to an old address to which I have no access. I have not been able to speak with a human being to confirm. I have been trying since I moved into this apartment 10 days ago to lift this credit freeze with Equifax. When it comes time to set up the rest of my utilities ( in the middle of winter, mind you ), I will need this report unfrozen so that *I* will not freeze. This is an absolutely insane lack of concern for customers timely access to the important task of unfreezing a credit report. XXXX and XXXX have it figured out ; why can't Equifax get it sorted?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: CO

Complaint narrative:
XX/XX/2024 I woke up to my phone saying someone changed my pin number on my card and made a paycheck advance on my account. After I had gotten that notification I received another one saying {$550.00} were taken out of my bank account. I reached out to Current to dispute the charge they quickly denied the dispute. I am now left short on my bills because someone stole that money from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-13 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

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 2024-02-14 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: TX

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.

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 2024-02-14 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: FL

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-02-14 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:
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. 

Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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 2024-02-14 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: AR

Complaint narrative:
in accordance Fair Credit Reporting Act 15 USC 1681b- Permissible purpose of consumer reports. 
XX/XX/scrub>XX/XX/2024 I XXXX XXXX notify XXXX, XXXX, Equifax that are in violation of my consumer Rights. 
15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly state : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), term " credit report '' does not include- ( A ) Subject to secection 1681s-3 of this title, any ( i ) report containing information solely as to transaction or experiences between the consumer and the person making the report. 
There are inaccurate ( late payments ) on my credit report XXXX {$170.00} Account number XXXX XXXX {$1100.00} Account numberXXXX XXXX {$12.00} Account number : XXXX Also without written instruction inaccurate inquiries i did not authorize nor did i consented : XXXX. XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX. XXXX XXXX XX/XX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: AR

Complaint narrative:
in accordance Fair Credit Reporting Act 15 USC 1681b- Permissible purpose of consumer reports. 
XX/XX/2024 I XXXX XXXX notify XXXX, Experian, XXXX that are in violation of my consumer Rights. 
15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly state : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), term " credit report '' does not include- ( A ) Subject to secection 1681s-3 of this title, any ( i ) report containing information solely as to transaction or experiences between the consumer and the person making the report. 
There are inaccurate ( late payments ) on my credit report XXXX {$170.00} Account number XXXX XXXX {$1100.00} Account numberXXXX XXXX {$12.00} Account number : XXXX Also without written instruction inaccurate inquiries i did not authorize nor did i consented : XXXX. XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX. XXXX XXXX XX/XX/2024

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 2024-02-14 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: TX

Complaint narrative:
I demand the removal of this late payment from my account as it does not accurately represent my payment history. I have diligently made timely payments, and it's unfair to be penalized with this erroneous entry. Please update my account promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: MD

Complaint narrative:
Please see attached docuASFments. Do not close this complaint stating it is not me. I am a natural person and a consumer.

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 2024-02-14 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: MS

Complaint narrative:
I was looking over my credit report and saw I had some accounts that wasnt mine am a victim of identity theft. XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX and XXXX XXXX XXXX XXXX .According to the fair credit reporting act 15 USC 1681 I have the right to privacy..Also according to 15 USC 6802.No financial institutions is not supposed to share my information to third parties people.these are clear violations of my federally protected consumer rights.

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 2024-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: RAS LaVrar, LLC
State: FL

Complaint narrative:
Ras Lavrar , LLC filed a lawsuit against me on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They did not inform me that they had this debt in their hands and went straight to filing a lawsuit. On top of that, I found out about the lawsuit through other attorneys sending me advertisements mail asking me if I needed help for a lawsuit filed against me. I took this seriously because I received so many of them, and checked the XXXX XXXX system and saw that there was a lawsuit. I called XXXX directly and that is when they informed me of this and this was with Ras Lavrar , LLC. The attorneys XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are the ones responsible for this. I did not get the opportunity to validate the debt and had to confirm with XXXX XXXX directly after a lawsuit was filed. They also did not try to resolve this with me but instead used the legal system to intimidate me. In addition, to not notify me of what was happening in the hopes they could get an unjust default to win their case against me by me not knowing about the lawsuit. I researched and saw they have a history of just filing lawsuits against people.

Company response to consumer: Closed with explanation