vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX SSN : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FELLOW UP LETTER To whom it may concern : Upon inspection of my credit report, I noticed the following information is continuously being reported incorrect : My full name is : XXXX XXXX XXXX There should be no other name/aliases listed on my report. Please remove any other names/aliases you have listed as they are incorrect. 

My current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any other addresses are in correct, undeliverable and I have no access to them. Please remove any and all incorrect addresses immediately.

My current employer ( s ) : None There should be no other employer ( s ) listed on my report. Please remove all other employers you have listed as they are incorrect. 

You are harming my ability as a consumer to obtain credit by putting out my credit report that contained inaccurate and/or obsolete information. 

Although you are not XXXX  Its my understanding that XXXX has agreed to pay {$22.00} XXXX to resolve claims it hurt consumers ability to get credit by adding allegedly inaccurate and untrue information to their credit reports. 

XXXX you are making my credit report which using outdated home address/ undeliverable address and multiple aliases with incorrect information to report it as high-risk for credit fraud reports. 

Its my understanding XXXX company policy DOESNT oversee that theyre obligated under the Fair Credit Reporting Act to put out credit reports which are as accurate as attainable and that dont include any adverse information that is obsolete. 

It is my belief that the sole and only reason that YOU continue refusing to remove all name/aliases & addresses other than what Ive given with the documentation that validate my CORRECT full name & CURRENT & ONLY address is to flagging it as being HIGH RISK OR NON-RESIDENTIAL which benefits YOU monetarily. 

Attached is the supporting all REQUIRED documentation to validate my dispute. Please update your records accurately & send me a updated copy with my accurate personal profile information promptly. 

Thank you Sincerely, 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 2024-11-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: FREEDOM FINANCIAL NETWORK
State: IL

Complaint narrative:
Harassing calls from them ( freedom debt relief ) with different numbers since ( XX/XX/year> ) and XXXX calls today ( SundayXXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Im filing this complaint because American Express has refused to help me dispute charges on my account that I never authorized. These charges were made by a merchant without my consent, and I only recently discovered them when I received an email from the merchant saying my latest payment had failed. That email prompted me to review my past statements, where I saw these charges for the first time. 

The merchant never sent me any emails about renewals, charges, or receipts at the time of these transactions, so I had no way of knowing they were being billed to my account. These charges are fraudulent, and I did not agree to them in any way. 

When I contacted American Express to dispute them, they said they couldnt help because the charges are older than 60 days. While I understand the usual time limit, this delay happened because the merchant failed to notify me of the charges, and I only found out recently. Despite explaining this to Amex, they refused to open a dispute or even investigate the matter further.

What Im Asking For : Id like American Express to : 1. Investigate these unauthorized charges.

2. Dispute the charges with the merchant and credit my account.

Ive been a loyal American Express customer and trust them to protect me from fraud, so Im disappointed they wont assist in this case, even though the charges are clearly unauthorized.

Thank you for your help in resolving this issue. 

These are the charges I'm disputing : {$99.00} for XX/XX/XXXX {$99.00} for XX/XX/XXXX {$99.00} for XX/XX/XXXX {$99.00} for XX/XX/XXXX {$99.00} for XX/XX/XXXX {$99.00} for XX/XX/XXXX {$99.00} for XX/XX/XXXX {$99.00} for XX/XX/XXXX {$99.00} for XX/XX/XXXX {$99.00} for XX/XX/XXXX {$99.00} for XX/XX/XXXX {$99.00} for XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: UT

Complaint narrative:
On my credit report it shows my XXXX payment is not current I reached out to XXXX 's and they stated it is current and it shows on time payments on their end.

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 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX CXXXX 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 XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to formally dispute multiple accounts reported on my credit file due to suspected identity theft. These accounts are not mine, and I believe they were opened fraudulently using my personal information without my consent or authorization. The following accounts are being disputed : XXXX *Account Number : XXXX XXXXCredit Bureaus : XXXX, XXXX XXXX. XXXX XXXX XXXX *Account Number : XXXX XXXXCredit Bureaus : XXXX XXXX. XXXX *Account Number : XXXX *Credit Bureaus : XXXX XXXX XXXX *Account Number XXXX XXXX *Credit Bureaus : Transunion XXXX. XXXX XXXX XXXX  *Account Number : XXXX *Credit Bureaus : XXXX, XXXX, Transunion XXXX I have contacted the respective credit bureaus ( TransUnion, XXXX, and XXXX ) and reported the suspected fraud, but I am seeking your assistance to ensure that these accounts are investigated under the protections afforded to me by U.S. law. As part of my dispute, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and the Fair and Accurate Credit Transactions Act ( FACTA ) ( 15 U.S.C. 1681c-2 ), which require the credit bureaus to promptly investigate any disputed information that is reported on my credit file. Furthermore, the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) provides specific protections for individuals whose identities have been stolen, ensuring that fraudulent accounts are removed and not held against the victim 's credit. I have attached a copy of my Identity Theft Report ( FTC report or police report, if available ), as well as supporting documentation that demonstrates my claim.

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 2024-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/year>24 I was emailed that unusual activity had occurred on my PayPal account. My ex was collecting money from my PayPal. I kept getting charged an overdraft fee and had to pay most of the money he overdrafted my account. PayPal was not helpful. They said they fronted me the money and that I owed it back. I was already paying the over draft fees and upward of XXXX XXXX They continued to over withdraw my account and transfer from my savings without my permission. They continued to harass me for the remaining XXXX $ which I should not owe as it was a result of fraudulent charges. Now they have sent me to collections I guess. I have XXXX credit score and have never been late on any payments owed to any company but I should not be charged and in fact they should be paying me the money they fronted to my ex.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am writing to dispute the accuracy of a charge-off listed on my credit report under the account. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response. 


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 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I mailed a request to the bureau asking for verification of debt that was received XX/XX/XXXX, my consumer report was updated as " meets FCRA requirements '' I mailed a XXXX request to the bureau asking for the method of verification of the accounts that were left on my report that 'met FCRA requirements ', it was received on XX/XX/XXXX, no proof of verification was sent I sent off a debt validation letter to each collection agency company on my report, it was received XX/XX/XXXX, no collection agency was able to validate the debt I sent a XXXX request to each collection agency to validate the alleged debt, it was received XX/XX/XXXX, debt still has not been validated I sent off a XXXX request to the bureau asking for all fraudulent accounts to be deleted since they failed to reinvestigate and the accounts could not be verified or validated by either party, it was received XX/XX/XXXX, still no proof has been provided

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 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am reporting unauthorized credit inquiries from the following companies : 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. While I have applied for credit recently, I did not authorize these specific inquiries. I suspect they may linked to identity theft or an error. I've already filed FTC report and disputed the inquiries with the credit bureaus, but they have not been removed. These inquiries are negatively affecting my credit score. I'm requesting the CFPB 's assistance in having them removed from 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 non-monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am reporting unauthorized credit inquiries from the following companies : 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. While I have applied for credit recently, I did not authorize these specific inquiries. I suspect they may linked to identity theft or an error. I've already filed FTC report and disputed the inquiries with the credit bureaus, but they have not been removed. These inquiries are negatively affecting my credit score. I'm requesting the CFPB 's assistance in having them removed from 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 non-monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, Experian, block fraudulent, inaccurate, and unverifiable information appearing on my consumer credit report within 4 business days of receiving this complaint. This complaint pertains to the following accounts, which violate FCRA standards for accuracy, completeness, and verifiability : XXXX XXXX  : Conflicting Reporting Across Bureaus : Listed as " Over 120 Days Past Due '' on Experian but " Collection '' on XXXX. 
Inconsistent High Credit : High credit amount is reported differently across bureaus. 
Missing Date of First Delinquency ( DOFD ) : Required under FCRA 605 ( c ) but not provided, rendering the account unverifiable. 

XXXX : Contradictory Statuses : Simultaneously reported as " Charge-Off '' and " Past Due. '' Missing Delinquency Dates : Key reporting dates are missing, violating FCRA 1681e ( b ).

Unverifiable Creditor Details : The account lacks proper classification and origin. 

XXXX Ownership Ambiguity : Marked as " Pay As Agreed '' while containing delinquency notes, creating inconsistency.

Missing Reporting Dates : Lacks DOFD and other critical dates, violating FCRA 605 ( c ). 

XXXX Contradictory Reporting : Simultaneously reflects " Charge-Off '' and " Collection. '' Inconsistent High Credit : Reported high credit differs across bureaus. 
Missing DOFD : Essential delinquency dates are not provided. 

XXXX XXXX XXXX Misclassification : Creditor listed as " Unknown, '' which is unverifiable. 
Missing Delinquency Dates : No clear XXXX provided, violating FCRA 605 ( c ).

Contradictory Statuses : Reflects both " Charge-Off '' and " Collection, '' violating Metro 2 reporting standards.

These accounts violate multiple provisions of the Fair Credit Reporting Act ( FCRA ), including : FCRA 1681e ( b ) : Requirement to maintain maximum accuracy in credit reporting.

FCRA 605 ( a ) : Prohibition of unverifiable and outdated information.

FCRA 605 ( c ) : Mandate to report the Date of First Delinquency ( DOFD ) accurately.

FCRA 605B ( 15 U.S.C. 1681c-2 ) : Obligation to block fraudulent and unverifiable accounts within 4 business days.

FCRA 609 ( a ) ( 1 ) : Right of the consumer to access all information used in credit reporting.

FCRA 611 ( a ) : Requirement to conduct a thorough reinvestigation of disputed information. 

These inaccuracies harm my creditworthiness and financial stability, violating my rights under the FCRA and causing undue hardship.

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 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.under 15 u.s. code 1681e ( b ) accuracy of report whenever a consumer reporting agency prepares a consumer report. it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.15 u.s. code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( a ) in general if 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 ) delete that item of information from the file of the consumer reporting agency shall ( i ) promptly delete that item of information as appropriate, based on the results of the reinvesting and ( ii ) promptly notify the furnisher of that information that the has been modified or deleted from the file of the consumer please remove the following item from my credit report, immediately. 
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 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX, Colorado, XXXX ] XX/XX/2024 EQUIFAX INFORMATION SERVICES XXXX XXXX XXXX XXXX GA XXXX Subject : Dispute and Request to Update Personal Information Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX, XXXX, XXXX. I request that my name be updated to reflect the correct information. 

Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, Colorado, XXXX, but my credit report shows an outdated address as XXXX XXXX XXXX XXXX XXXX ARIZONA XXXX, XXXX XXXX  XXXX XXXX ARIZONA XXXX, XXXX XXXX XXXX XXXX XXXX ARIZONA XXXX, XXXX XXXX XXXX XXXX ARIZONA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX COLORADO XXXX. I request that my current address be updated accordingly. 

Contact Information : I request that my new phone number, ( XXXX ) XXXX, be updated as my primary contact number. 

-I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : -A copy of my driver 's license or passport displaying my correct name. 
-A recent utility bill or bank statement showing my current address. 
-A copy of my phone bill or any other official document that displays my correct phone number.

Company response to consumer: Closed with non-monetary relief