vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-22 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: AZ

Complaint narrative:
Urgent Dispute of Reinstated Missed Payments on Credit Report To Whom It May Concern, I am writing to formally dispute the reappearance of missed payments on my credit report associated with XXXX XXXX XXXX XXXX credit card accounts. These missed payments were initially removed after a dispute, and I received the updated results from TransUnion on [ XX/XX/year> ] confirming their removal. However, on [ XX/XX/year>. XX/XX/year> ], my credit report was inexplicably updated, and the same missed payments were reinstated. This action is not only incorrect but also appears fraudulent as it contradicts the resolution provided in the dispute results I received. I have proof of the original dispute results showing that these missed payments were removed, which I am prepared to provide. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to have accurate information reported on my credit file. The reinstatement of these missed payments is a clear violation of this right. I am requesting that TransUnion immediately remove these inaccurate missed payments from my credit report and ensure that they are permanently deleted. Please confirm in writing that this matter has been resolved. Additionally, I request that you provide me with an updated copy of my credit report showing the removal of these disputed items. Thank you for your prompt attention to this matter. Sincerely, 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 2024-08-22 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION CONSUMER SOLUTIONS XXXX XXXX XXXX XXXX, PA, XXXX To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

The specific item I am disputing is a charge-off account listed under XXXX, with the account number XXXX. This account was sold to another entity and the original creditor no longer owns this debt. 

As per the FCRA, you are required to ensure the accuracy and completeness of the information contained in my credit report. Since the original creditor no longer owns the debt, the charge-off account should be removed from my credit report. 

I have attached copies of relevant documentation that supports my claim, including proof that the debt has been sold. Please conduct an investigation into this matter and remove the erroneous information from my credit report. 

I would appreciate your prompt attention to this matter and request a written confirmation of the results of your investigation. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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 recenty reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 non-monetary relief
Consumer complaint received 2024-08-22 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: FL

Complaint narrative:
I recenty reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-08-22 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: AL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: PA

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 confidentially under 15 USC 1681. 

XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX 15 U.S.C 1681 Section 602 A : s I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information. 

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnished of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer reporting agency if the person knows or the 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 explanation
Consumer complaint received 2024-08-22 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: SC

Complaint narrative:
I am a victim of human trafficking of XXXX XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
This company did not bother contacting me threw a phone call to communicate the debt that is owed regarding what has happened they did not have the right mailing address that was confirmed on a recorded line that the collections agency agent said when I gave an confirmed my address so I never received any notification or information in the mail either I was not contacted Not once with a phone call from this agency regarding a debt collection or given the information of when the payment is due!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year>, I called U.S bank to close one of my credit cards because of their poor customer service and not resolving an issue. 

They ended up closing the account I never requested to close which I had filed the complaint for with CFPB. Heres complaint number XXXX. 

I suddenly cant use the credit card then I called U.S bank on XX/XX/year> to see if they put a hold on it because I filled a complaint. They said they closed the account. I said I never asked to close the account. The person didnt respond. 

She said in order to reopen this account, they would send me a form to fill out and explain why I want to open this card again. 

I told her I never requested to close this account and I recorded the call. As usual, no apologies or concern about the issue. 
There were so many recent transactions on the card and I wanted to keep it open so I dont have any issues receiving refunds and making payments easily. U.S bank retaliated against my complaint mentioned above and purposely closed the account that I never asked for. 

I have never gone through such trouble with any bank.

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 2024-08-22 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: TX

Complaint narrative:
I was stunned to see an incorrect account on my credit report this morning. I can't understand how this could have happened. I did my usual credit report check, but this time, there were errors that appeared out of nowhere. I even tried refreshing my browser, hoping it was just a glitch, but the errors remained. I'm really concerned about this, and I'm asking for a thorough review of the documents I've submitted so I can have peace of mind and not worry about this happening again.

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 2024-08-22 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. I recently reviewed a copy of my consumer report and noticed I had fraudulent accounts. Please remove these, they are hurting my ability to obtain credit. 

Account Name : XXXX. 

Account Number : 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 2024-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Upstart Holdings, Inc.
State: MA

Complaint narrative:
XXXX dated : XX/XX/24 Requesting payment amount of : {$XXXX} I am writing to formally file a complaint against XXXX XXXX XXXX XXXX due to their repeated and harassing phone calls, which have become an ongoing issue. I am unsure of the legitamacy of the debt collection as I tried working with the named creditor and was not made aware of account being transferred to this debt collector agency. 

They call every day and multiple times a day. Despite my requests for these calls to stop, I continue to receive them multiple times a day, including on my work phone. The calls are originating from different phone numbers, making it impossible for me to block them effectively. 

This relentless behavior has not only disrupted my personal and professional life but also caused significant stress. I consider this conduct to be a violation of my consumer rights and an unwarranted invasion of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of account below has violated my Federally protected consumer rights to privacy and confidentiality Under 15 U.S.C. 1681. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX Office Of The Atty Gen # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX 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 items of information other than records of Convictions of crimes which antedate the report by more than seven years...

15 U.S.C. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2024-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NC

Complaint narrative:
To Whom It May Concern, I am writing to express my extreme dissatisfaction with Discover 's recent actions regarding my account. Despite my repeated attempts to communicate my financial hardship and request assistance, Discover has been unable or unwilling to provide a viable solution. 
On XX/XX/scrub>XXXX XXXX XXXXXXXX  I formally notified Discover of my financial difficulties and requested to discuss options for modifying my account or payment arrangements. Unfortunately, instead of working with me to find a mutually beneficial solution, Discover took the immediate and punitive step of closing my account entirely. 
Furthermore, Discover rejected all of my online payment attempts, even though I have confirmation numbers for these payments. This action is not only inconvenient but also adds unnecessary stress and financial burden. 
This behavior is not only unfair but also demonstrates a complete disregard for my circumstances. I believe that Discover has a responsibility to treat its customers with respect and empathy, especially during times of financial hardship. 
I have attempted to resolve this matter internally but have been met with unsatisfactory responses. As a result, I am formally notifying Discover that I intend to consult with an attorney to explore legal options regarding this matter. 
I expect a prompt and satisfactory resolution to this issue. 
Sincerely, XXXX XXXX XXXX : Confirmation numbers for rejected payments

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: CA

Complaint narrative:
To whom this may concern, I am writing to address a critical issue regarding my recent disputes with your bureau. Despite filing 4 rounds of disputes and requesting thorough procedural investigations, inaccuracies remain on my credit report. My previous disputes were reportedly verified, but the following inaccuracies persist. After 4 rounds and asking for reinvestigation reporting this account, your investigations have failed to correct these inaccuracies, indicating that the investigations did not properly address or rectify the issues at hand. The continued presence of incorrect information on my credit report not only violates the Fair Credit Reporting Act but also demonstrates a lack of due diligence and fairness on your part.

Given these unresolved issues, I demand the following actions that this account is deleted and removed from my credit report immediately! 
The failure to accurately report and correct this information impacts my credit standing and financial stability. I expect prompt and accurate resolution to this matter and will consider further actions if these inaccuracies are not deleted and removed. 
Thank you for your immediate attention to this pressing issue. I look forward to your prompt response and resolution. The credit bureaus have not did their job nor their due diligence. Theyre not being fair and theyre not being accurate in the reporting of my credit report. Heres the following inaccuracy that exists in this reporting and Im DEMANDING a DELETION of this account from my report. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitation You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX  Account number : XXXX XXXX XXXX  Account number : XXXX XXXX. Account is repeating Charge off as if the debt is new and open 2. Reporting different payments date and missing payment dates Sincerely, 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 explanation
Consumer complaint received 2024-08-22 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:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-08-22 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: FL

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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