vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ADP Inc.
State: MS

Complaint narrative:
On XX/XX/year> I received a text message with a declined charge so I logged in and checked my account there were XXXX charges for the following amount XXXX, XXXX, and XXXX. I called my bank and told them what happened and they shut my card off. They tried to do more charges when my card was cut off also I received XXXX emails saying the XXXX transactions were declined but my money was never put back in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my XXXX XXXX as required by FCRA XXXX. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX  Account Number : 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 2024-08-06 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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX  Account Number : 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 2024-08-06 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: GA

Complaint narrative:
I'm writing to communicate my anxiety with respect to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be entirely examined. In spite of my endeavors, I presently can't seem to get any goal or remedial activity. These incorrect records are seriously harming my credit document and upsetting my capacity to carry on with an ordinary life. The adverse consequences of these mistakes have caused colossal difficulties for me, and I'm left with no decision except for to argue for your help with correcting what is happening as quickly as time permits. I compassionately demand that you direct an exhaustive examination concerning the revealing of every one of these contested records. It is basic that the important advances are taken to refresh and correct my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I earnestly encourage you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue quickly would be extremely valuable. Much obliged to you ahead of time for your comprehension and help.

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 2024-08-06 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:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/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 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

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 2024-08-06 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: GA

Complaint narrative:
On my credit report all of them XXXX, TRANSUNION, XXXX, I HAVE ACCOUNTS THAT BOGUS THAT SHOULD NOT BE MINE THERE ARE OVER XXXX INQURIES THAT ARE NOT MINE SOME LOAN ACCOUNTS THAT HAVE BEEN PUT ON XXXX TO 3 TIMES THAT I DID NOT OPEN ALSO I AM A VICTEM OF IDENITY THEFT SINCE XXXX  IT SEEMS LIKE EVERYTIME STUFF COME OFF MY CREDIT REPORT IT COMES BACK. ALSO I HAVE SENT IN POLICE REPORTS ALOT OF TIMES BUT THE DURAGATORY STUFF WONT COME OFF I HAVE XXXX BANKRUPTCYS THATS SHOWING ON MY CREDIT THAT SHOULD NOT BE SHOWING BECAUSE IT WAS THROWN OUT BECAUSE IT WAS IDENITY STUFF WE FOUND SO THE JUDGE SOPPED THE BANKRUPTCY RIGHT THEN ONLY WAS A MONTH .SPOKEN TO CREDIT DEPARTMENTS AND TOLD THEM I HAD NOT MDE NO INQURIES BUT ALL XXXX ARE STILL THERE AND ACCOUNTS SO NOW IM TAKING ACTIONS TO GET THIS REMOVED OFF ALL MY 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 explanation
Consumer complaint received 2024-08-06 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: GA

Complaint narrative:
On my credit report all of them XXXX, XXXX, EXPERIAN, I HAVE ACCOUNTS THAT BOGUS THAT SHOULD NOT BE MINE THERE ARE OVER XXXX INQURIES THAT ARE NOT MINE SOME LOAN ACCOUNTS THAT HAVE BEEN PUT ON 2 TO 3 TIMES THAT I DID NOT OPEN ALSO I AM A VICTEM OF IDENITY THEFT SINCE XXXX  IT SEEMS LIKE EVERYTIME STUFF COME OFF MY CREDIT REPORT IT COMES BACK. ALSO I HAVE SENT IN POLICE REPORTS ALOT OF TIMES BUT THE DURAGATORY STUFF WONT COME OFF I HAVE XXXX BANKRUPTCYS THATS SHOWING ON MY CREDIT THAT SHOULD NOT BE SHOWING BECAUSE IT WAS THROWN OUT BECAUSE IT WAS IDENITY STUFF WE FOUND SO THE JUDGE SOPPED THE BANKRUPTCY RIGHT THEN ONLY WAS A MONTH .SPOKEN TO CREDIT DEPARTMENTS AND TOLD THEM I HAD NOT MDE NO INQURIES BUT ALL XXXX  ARE STILL THERE AND ACCOUNTS SO NOW IM TAKING ACTIONS TO GET THIS REMOVED OFF ALL MY 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 explanation
Consumer complaint received 2024-08-06 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: PR

Complaint narrative:
Remove the following accounts for improper usw of my credit report.The payments history shows a continued reporting a charge off after these account was closed.This is detrimental for me and my family. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: PR

Complaint narrative:
Remove the following accounts for improper usw of my credit report.The payments history shows a continued reporting a charge off after these account was closed.This is detrimental for me and my family. 

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 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
This is my second time submitting this complaint to Comenity bank and I do need it resolved as soon as possible. The previous response I received says that because I submitted my information, I gave them authorization to report a hard inquiry. This is absolutely not true. On XX/XX/year> I did a PRE QUALIFICATION check for Alphaeon credit through Comenity bank. It specifically said it would not affect my credit and would not be a hard inquiry. This was written in big letters, before I submitted my information, see attached screenshot of website. I now have a hard inquiry on my XXXX credit report. This is impacting my credit negatively and I did not authorize this. I need this removed as soon as possible please. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: Collection Bureau of the Hudson Valley, Inc.
State: MO

Complaint narrative:
I'm writing to discuss my nervousness regarding the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be completely analyzed. Notwithstanding my undertakings, I by and by really can't get any objective or medicinal movement. These inaccurate records are truly hurting my credit archive and disturbing my ability to continue with a standard life. The unfriendly outcomes of these mix-ups have caused huge challenges for me, and I'm left with no choice with the exception of to contend for your assistance with revising what's going on as fast as far as possible. I mercifully request that you direct a comprehensive assessment concerning the noteworthy of all of these challenged records. It is fundamental that the significant advances are taken to revive and address my credit report right away. With your help, I want to restore the precision and reliability of my credit record so I could recover control over my money related thriving. I sincerely urge you to offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue rapidly would be very important. Thankful to you early on for your understanding and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Iv contacted the company on XXXX XXXX after they contacted me and again on XX/XX/2024. Still nothing. Its been well over 30-45 since I first contacted them about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to XXXX U.S. XXXX XXXX ( 6 ) XXXX XXXX are legally obligated to adhere to XXXX U.S. XXXX XXXX ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, Dear Consumer Financial Protection Bureau, I am writing to formally express my concern regarding the lack of action taken on my previous complaints about unauthorized hard inquiries on my credit report. Despite multiple letters requesting the removal of these inquiries, no corrective measures have been implemented. According to the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), I am entitled to dispute inaccurate information and seek its deletion if found to be unverifiable or incorrect. I kindly urge you to enforce these provisions and ensure the immediate removal of these unauthorized hard inquiries from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-08-06 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: GA

Complaint narrative:
I have unauthorized credit inquiries and have not authorized and I do not recognize the charges. 
I want them deleted and I want to add a credit freeze to my account to protect me moving forward. I have attached the notice with directions and a list of the name of the inquieries that are fraud.

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 2024-08-06 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Guild Holdings Company
State: OK

Complaint narrative:
Guild mortage failed to pay taxes for 3 years. bill was over {$8000.00}. I called and resolved it. Then they raised my monthly payment OVER DOUBLE what is was because of there mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-06 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: DC

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: PR

Complaint narrative:
Remove the following accounts for improper usw of my credit report.The payments history shows a continued reporting a charge off after these account was closed.This is detrimental for me and my family. 

XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, RTG 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 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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

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 2024-08-06 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief