vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-16 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: MA

Complaint narrative:
I recently checked my credit report and realized the company is reporting unknown adverse information on my credit report concerning an alleged debt. I have no knowledge of any business with the company. And I also never engaged in any contracts giving the company consent to furnish anything on my credit report. I feel extremely violated and upset that my privacy would be invaded in such a way. And that my identity would be used without my consent. The company 's actions have damaged my credit rating and hindered my access to credit. The company has violated FCRA permissible purposes of consumer reports, by furnishing unknown transactions to credit reporting agencies without my written consent. The company has also violated FDCPA 1692e by communicating with me concerning the false character, amount, and legal status of the alleged debt. And stating that I owe that debt.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ), the credit bureaus do not have written permission.

According to 15 USC 1681, I have the right to privacy.

According to 15 USC 1681s-2, 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 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: MA

Complaint narrative:
I recently checked my credit report and realized the company is reporting unknown adverse information on my credit report concerning an alleged debt. I have no knowledge of any business with the company. And I also never engaged in any contracts giving the company consent to furnish anything on my credit report. I feel extremely violated and upset that my privacy would be invaded in such a way. And that my identity would be used without my consent. The company 's actions have damaged my credit rating and hindered my access to credit. The company has violated FCRA permissible purposes of consumer reports, by furnishing unknown transactions to credit reporting agencies without my written consent. The company has also violated FDCPA 1692e by communicating with me concerning the false character, amount, and legal status of the alleged debt. And stating that I owe that debt.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ), the credit bureaus do not have written permission.

According to 15 USC 1681, I have the right to privacy.

According to 15 USC 1681s-2, 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 2024-03-16 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 didn't sanction these inquiries and firmly believe they're deceitful. I urge you to carry out a comprehensive investigation and promptly erase them from my credit file.

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 2024-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Mailed letters on XX/XX/2023 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States XXXX has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within XXXX days. I therefore legally and lawfully refuse your " form letter '' thus giving you only XXXX days not XXXX more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request 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 2024-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: LA

Complaint narrative:
I have mailed XXXX municipal bonds that has been stamped and endorsed with an instruction letter along with supporting documents through certified mail to New York XXXX Bank XXXX on XXXX. The tracking number is XXXX. After no response I called and emailed and still today I have no response. The reason I sent the bonds to them is because they are the indenture trustee for the following companies and on the companies XXXX forms you can find the agreed indenture between them. By XXXX XXXX being the indenture trustee they have fiduciary duties, per Trust Indenture Agreement, Trust Indenture Act XXXX to act on my behalf that is why I sent in writing an instruction sheet. I am seeking monetary relief. I want them to wire transfer my remittance to my treasury direct account so I can also reduce the national debt by doing so. In the instruction letter it states that the companies that they are in an indenture agreement with have not only been keeping my securities interest but also charged me as if it wasn't already paid for by the treasury. I am not only reclaiming all rights to my securities interest from the following companies XXXX XXXX XXXX, XXXX, and XXXX XXXX but I also want repayment from XX/XX/XXXX remitted to my treasury direct account. The totals are for XXXX XXXX, for XXXX XXXX XXXX both accounts total XXXX, XXXX XXXX XXXX XXXX. I have included in the Certified mail the supporting billing statement up to XX/XX/XXXX. I have also included the additional charges I have received since mailing the instruction letter and no action has taken place. I AM SEEKING MONETARY RELIEF. Which is to be remitted to my treasury direct account. I have attached the instruction letter that was mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. The inquiry was not authorized KIA MOTORS FINANCE Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Thank you for your time and help in 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 explanation
Consumer complaint received 2024-03-16 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX, I am writing to delete and remove the following information in my file. The items I need deleted are listed in my report. I am a victim of identity theft and did not make these changes. I ask that the items be deleted and removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 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: PA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX, I am writing to delete and remove the following information in my file. The items I need deleted are listed in my report. I am a victim of identity theft and did not make these changes. I ask that the items be deleted and removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Thank you.

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 2024-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was defrauded by a scammer and my card was used to perpetrate the fraud. The transaction was charged on XX/XX/24 and the amount was {$420.00}. I was scammed out of the money by the fraudulent purchase of gift cards by a phone fraudster that directed me to purchase gift cards for a scam purchase of discount internet services. I reported the fraud to the Capital One 360 the day it happened, and did all the things they suggested to correct the situation. They offered on the XXXX to cancel the card and reverse the charges with their fraud guarantee. After sending the new card and reversing the charges, they then changed their mind. I received the XXXX attached letters. Dated the same day, XX/XX/XXXX,, I got XXXX letters, The first one telling me that the issue was resolved in my favor, then a second letter telling me that I personally benefitted and they were denying the fraud protection. i expect them to honor their " {$0.00} Liability guarantee promise '' stated in XXXX of the letters. The reason I use their credit card is to have fraud protection. They are not fulfilling their promise to provide such protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  of 2021 I was in XXXX XXXX. Through heavy enticement after I had a good bit to drink ( unwinding, having fun ), I went to a presentation with the organization. The breach of contract include : not sharing the contract via email the same day as promised ( as it would have had the phone number to cancel services in the required time ) the second one was that they engaged me in the contract after I had been XXXX. ( I rarely XXXX but I was enjoying my trip ). As of today, I still haven't received any contract. They keep sending me messages about accruing fees. When I did call a number that I found online within 2 days of being at their location, the number seemed to be a dummy number. I sat for hours on hold for multiple days and no one answered. I got a good number from my bank once they sent a transaction through. Even once I obtained that number from my bank, I still had to be given a few other numbers to be able to speak to people to get my request heard. That was within 7 days or so from being at their location. I called them, they were rude, abusive, negative, dismissive, blamed everything on me and never took accountability for their malfeasance. They quickly put this account on my credit bureau and refused to budge or to do the right thing. They defrauded me by not supplying clear and accurate information within the time that was allowed to cancel. They never supplied a contract. I researched online and there are hundreds of people who have complaints against this entity. In submitting multiple disputes with the credit companies like transunion, they just take the word of the company and I am no one in this transaction. It is evident by my credit report that I make excellent financial decisions and they refuse to look at the facts. Companies like thi\s railroad decent people daily. When I was on the phone with a female at Transunion within the past 30 minutes, she fought me tooth and nail as if she was working for XXXX. I asked to speak with the next level of support and she hung up on me. Please help. Question : Is there an inappropriate relationship between Transunion and XXXX? Please help me to remove this spam from any and all public and private reports. I also reached out to other entities in XXXX XXXX that said they could not do anything.

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 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Charge offs are considered income and should not be reported on my credit report according to 15 USC 1681 ( 2 ) and IRS publication 4681. Income is a form of certificate of indebtedness.The IRS treats the forgiven debt as income. You are in violation of the FCRA. Please change all charged off accounts to 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 non-monetary relief
Consumer complaint received 2024-03-16 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: TX

Complaint narrative:
Charge offs are considered income and should not be reported on my credit report according to 15 USC 1681 ( 2 ) and IRS publication 4681. Income is a form of certificate of indebtedness.The IRS treats the forgiven debt as income. You are in violation of the FCRA. Please change all charged off accounts to paid as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 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: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized SANTANDER CONSUMER USA Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to express my grave concerns regarding the accuracy of the information contained in my credit report, as maintained by your agency. Pursuant to 15 U.S. Code 1681e ( b ), credit reporting agencies are legally obligated to ensure the accuracy of consumer credit reports. However, despite repeated attempts to rectify wrong and deleted accounts in my credit report, I am deeply disappointed by the failures of your agency in fulfilling this obligation. 

I have diligently pursued the correction of wrong information by providing documented evidence to support the necessary corrections. Despite my efforts, the credit bureausEquifax, Experian, and XXXX persistently failed to take appropriate action. This flagrant disregard for accuracy not only undermines the credibility of the credit reporting system but also directly harms consumers by impeding their access to credit and financial opportunities. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) ( A ), credit reporting agencies are required to conduct reasonable investigations upon receiving disputes regarding the accuracy of information in a consumer 's credit report. However, the investigations conducted by your agency have been grossly inadequate. Instead of diligently investigating and rectifying the inaccuracies as mandated by law, the credit bureaus have routinely dismissed valid disputes without conducting thorough investigations, thereby perpetuating erroneous information on my credit report. 

I hereby demand the immediate removal of the following inaccurate items from my credit report : XXXX XXXX XXXX XXXX {$9800.00} XXXX {$740.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX {$9100.00} XXXX XXXX XXXX XXXXXXXX {$9900.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$360.00} XXXX expect prompt action to rectify these inaccuracies and ensure the integrity of 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
Consumer complaint received 2024-03-16 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: MI

Complaint narrative:
Transunion is inaccurately reporting information on my Credit Report ( 15 USC 1681 ) A CD, XXXX XXXX, is being reported while the IRS Publication says income is NOT to be reported.

I have Expressed to these parties i wish to opt out of sharing my private information per 15 USC 6508 and the Privacy Act of 1974 15 USC 1666b - Timing of Payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Account Agreement The contract governing yo
ur open-end credit account, it provides information on changes that may occur to the account.

Application Under the Equal Credit Opportunity Act ( ECOA ), an oral or written request for an extension of credit that is made in accordance with the procedures established by a creditor for the type of credit requested. See related questions about Loan Application Denials.

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 2024-03-16 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 am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with non-monetary relief