vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am filing this complaint regarding unauthorized and inaccurate inquiries on my credit report from the following companies : XXXX XXXX, XXXX, XXXX, XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX Capital XXXX, Via Dealer, XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX Community Capital, XX/XX/XXXX XXXX XXXX, XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX Capital XXXX, Via Dealer, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and 1681c, inaccurate or unverifiable inquiries must be removed from my credit report. These inquiries were not authorized by me, and they continue to negatively impact my credit. I request immediate removal of these inquiries as required by law

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 2024-09-12 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: CA

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

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 2024-09-12 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: CA

Complaint narrative:
I received a copy of my credit report that had two inquiries from XXXX XXXX on XX/XX/2024 and XX/XX/2024. 
I did not apply for and credit card or any loans in the last 2 years.

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 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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: PA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-09-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
My previous complaint was : opened an account with Marcus by Goldman Sachs on XX/XX/XXXX, on that date I also deposited {$150.00} into the account. On or about XX/XX/XXXX, I attempted to deposit additional funds into the account, only to find that my account had been locked. I have called this company every business day since then trying to resolve the matter. I have given them every possible piece of information I could in order to prove my identity to them, but they claim they can not unlock the account, nor can they tell me the reason the account was locked. Additionally, I have not been allowed to cancel the account or access my funds. That complaint was closed because Goldman Sachs sent me an affidavit of Identity. Since then, I returned the document that was requested, signed and notarized. Goldman Sachs then closed my account with no warning and without being prompted to do so. When I called and asked why it had been closed they stated that they did not know why it had been closed. Additionally, they have still not unlocked the account or given me access to my money, claiming that they did not have the aforementioned affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
I received a letter from a debt collector, dated XX/XX/year>, stating that I owed a debt of {$4300.00}. I responded with a debt validation letter on XX/XX/year>. The debt collector responded on XX/XX/year> with only a few requested information. The information sent to me was not enough to validate the debt and so I resent my debt validation letter, dated XX/XX/year>, highlighting that the requested information that are still outstanding. The debt collector did not respond to me, but instead proceeded to file a report on my credit report, even though I did not ( and still have not ) validated the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: FL

Complaint narrative:
Ive had a Discover card for several years, they arbitrarily decided to close my account with a XXXX balance account without notifying me. I do not have ant negative creidt reporting as I was sitting at an XXXX credit score.. When they closed my account it caused a drop in my credit score while trying purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CADENCE BANK
State: FL

Complaint narrative:
The IRS is requesting a copy of my 2021 IRS 1098 for the Interest Paid on my Home Equity Line of Credit. The total amount paid in 2021 was approximately {$18000.00}. Without the 1098 the IRS will not allow me to deduct this expense and is pursuing action against me. I have contact Cadence Bank XXXX different times requesting this form. They keep sending me a transaction history for the year but not the IRS 1098 form. I continue to share with them that the IRS will not accept this internally prepared document and I need the IRS form. They then continue to say that someone in another department will have to have this document sent to me and they will make sure it gets done. However, they never respond. I am running out of time with the IRS and if Cadence Bank will not get me the IRS 1098 form I will be liable for over {$6000.00} in additional taxes to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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: FL

Complaint narrative:
I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: NY

Complaint narrative:
This company appeared on my credit report as a collection account. Besides the fact that they are NOT licensed to collect debts in the State of NY, per the State 's Attorney General 's Office, I have never had an account with them, signed any applications nor contracts with them. 

Moreover, according to 15 U.S.C. 1681e ( b ), all information reported by the credit reporting agencies must be 100 % accurate. Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) mandates that any information that is found to be inaccurate or incomplete must be corrected or deleted from my credit report.

This company is in clear violation of the law. Under 15 USC 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a
consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates.

Did I give written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Upon reviewing my credit report, I have found multiple inaccuracies with the reporting of this account. These inaccuracies include the incorrect reporting of late payments, which do not accurately reflect my payment history. As such, I kindly request that these inaccuracies be thoroughly investigated and resolved by removing the account from my credit report entirely. 
Failure to respond satisfactorily with deletions of the above referenced account from my credit report within 30 days of receipt of this letter, will result in legal action taken against your company, as in litigation under the Fair Credit Reporting Act ( FCRA ) to collect {$1000.00} in damages for each inaccuracy as provided by law for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 616. Civil liability for willful noncompliance [ 15 USC 1681in ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-09-12 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: NY

Complaint narrative:
This letter serves as my final demand to have the inaccurate and misleading information on my credit report removed immediately. Despite my repeated disputes and your obligation under federal law, your company continues to report inaccurate, unverified information that has caused severe damage to my financial standing.

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 2024-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
This company appeared on my credit report as a collection account. Besides the fact that they are NOT licensed to collect debts in the State of NY, per the State 's Attorney General 's Office, I have never had an account with them, signed any applications nor contracts with them.

Moreover, according to 15 U.S.C. 1681e ( b ), all information reported by the credit reporting agencies must be 100 % accurate. Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) mandates that any information that is found to be inaccurate or incomplete must be corrected or deleted from my credit report.

This company is in clear violation of the law. Under 15 USC 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates.

Did I give written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Upon reviewing my credit report, I have found multiple inaccuracies with the reporting of this account. These inaccuracies include the incorrect reporting of late payments, which do not accurately reflect my payment history. As such, I kindly request that these inaccuracies be thoroughly investigated and resolved by removing the account from my credit report entirely.

Failure to respond satisfactorily with deletions of the above referenced account from my credit report within 30 days of receipt of this letter, will result in legal action taken against your company, as in litigation under the Fair Credit Reporting Act ( FCRA ) to collect {$1000.00} in damages for each inaccuracy as provided by law for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 616. Civil liability for willful noncompliance [ 15 USC 1681in ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advanced Collection Bureau, Inc.
State: OK

Complaint narrative:
XXXX XXXX from Advanced Collections XXXX is HARRASSING my daughter for a FRAUDULENT ATTEMPT TO COLLECT A DEBT THAT SHE DOES NOT OWE. According to the XXXX  XXXX XXXX XXXX said the company called XXXX XXXX XXXX and XXXX XXXX XXXX  homes are operating with a NON-VALID Real Estate Licences and have a closed facility due to the death of the previous owner of the business thus by law can not make demands in association to pre-existing closed Court Cases. COURT CASE was DISMISSED WITH PREJUDICE ON XX/XX/XXXX WITH AGREEMENTS ON BOTH LIVE PARTIES WITH LEGAL REPRESENTATION. MEANING THE PLAINTIFF IS BARRED FROM FILING A LAWSUIT ON THE SAME ISSUE AT A LATER DATE. THE TEREMS OF AGREEMENT STATED THERE WAS A {$0.00} BALANCE OWED AS OF XX/XX/XXXX. 
The FRAUDULENT Debt collection attempt is for a dates in which we were not residing at the residance and inclusive of the time frame within the Legal Case which was dismissed. They have no Legal Justification to making any FRAUDULENT claims of Debts out of Retaliation. 
After the case was Dismissed with Prejudice I certified mailed them a DEMAND FOR DEPOSIT on XX/XX/XXXX and in Retaliatiion they responded on XX/XX/XXXX with a FABRICATED DEBT COLLECTION that VIOLATES THE COURT RULINGS. I RESPONDED TO THEIR FRAUDULENT DEBT COLLECTION ATTEMPTS WITH CERTIFIED MAIL ON XX/XX/XXXX WITH A CEASE AND DESIST AND NOTIFICATING THEM IN WRITING PER STATE AND FEDERAL GUIDLINES WITH A DISPUTE TO THE CLAIM OF THE FRAUDULENT ATTEMPT TO COLLECT A DEBT UNDER FALSE PRETENSES AGAINST STATE AND FEDERAL PENIAL STATUTES THAT PROHIBIT THESE CRIMINAL ACTIVITES.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: CA

Complaint narrative:
Someone made applications using my name that I dont recognize or authorize, which has led to these companies pulling my credit report and damaging my credit score. I reached out to the bureau, and a representative assured me that these inquiries would be removed, but theyre still showing up. This ongoing issue is adding unnecessary stress to my life.

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 2024-09-12 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: NY

Complaint narrative:
As a protected consumer under federal law, specifically the Fair Credit Reporting Act ( FCRA ), I am disputing several unauthorized inquiries on my credit report. These inquiries appear on my report without my knowledge or consent, raising concerns about potential identity theft or a violation of my rights under the FCRA. According to FCRA Permissible Purposes ( Section 604 ( a ) ( 3 ) ) it requires credit reporting agencies to have a " permissible purpose '' to provide your report. Unauthorized inquiries wouldn't fall under any permissible purpose. Remove these unauthorized inquiries immediately from my credit file. 
XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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