vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-26 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: FL

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

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 2024-12-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: FL

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$6900.00} Date of Account : XX/XX/year>

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 2024-12-26 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: MD

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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:
Please check this complaint thoroughly, this is not sent in error. There seems to be information that was mixed on my report, I kept seeing accounts, transactions and items that are not mine, this is really troubling and it's causing me undue stress and anxiety.

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 2024-12-26 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: NC

Complaint narrative:
I would like to close my Huntington Business Checking account ( # XXXX ). Unfortunately, Huntington Bank requires an in-person visit to a branch for account closure, but the nearest branch is a XXXX XXXX from my location. A XXXX round trip is not feasible for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
I am writing to formally file a complaint regarding an issue with my JetBlue credit card that has caused significant distress and damage to my credit, finances, and emotional well-being. 

I had a joint credit card with my XXXX and years after we divorced, I applied for a JetBlue credit card in my name. I was under the impression that the account was solely my responsibility. However, my XXXX informed me that his XXXX XXXXXXXX XXXX account was somehow linked to my credit card. I do not know how this connection was made or approved without me nor did I ever consent to such an arrangement! 

What is most concerning is that I never received any communication from Barclays or any of its affiliates informing me of this change. As a result, payments were made through my XXXX  bank without my knowledge, and when the situation was eventually resolved, it had already caused significant damage to my credit score. I believe this situation arose due to Barclays ' mismanagement and lack of proper communication.

This mishandling of my account has had a profound negative impact on my credit, my finances, and my emotional well-being. I am requesting reparations for this incident and a thorough investigation into how such an error could occur. I trust you will take this matter seriously and look forward to a prompt resolution.

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 2024-12-26 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: CA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX  XXXX Inquiries : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX : XXXX TransUnion : 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 2024-12-26 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX Equifax : XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Mercury Technologies, Inc.

Complaint narrative:
We issued an internal transfer from mercury bank on the XXXX of XXXX. The beneficiary bank is XXXX XXXX and XXXX XXXX is the intermediary bank. When issuing the transfer, there was a wrong entry for the beneficiary details : -we added XXXX XXXX XXXX the final recipient and not XXXX XXXX -we added account name that does not match the account number The money was deducted from our balances, and neither landed in its final destination, or reversed back to our accounts. We are in contact with XXXXXXXX XXXX but they keep advising to talk with either XXXX XXXX or XXXX XXXX. XXXX XXXX advises that it's not it's matter, and XXXX XXXX is not reachable since we don't have accounts there. 

On the XXXX of XXXX we issued our first recall request from mercury followed by other multiple recall requests, but never received a response based on our communication with mercury. 

XXXX XXXX advises to use the XXXX for tracking : XXXX is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: MD

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.

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 2024-12-26 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: MD

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.

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 2024-12-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

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 2024-12-26 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MI XXXX XX/XX/XXXX Ally Financial Ally Financial Inc . 
XXXX XXXX XXXX XXXX, MI XXXX Re : Unauthorized Credit Inquiries Immediate Removal and Statutory Damages per FCRA 1681b Dear Ally Financial Compliance Department, I am writing to formally dispute unauthorized credit inquiries made by Ally Financial on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. Under 1681b ( a ) ( 2 ), the FCRA strictly limits inquiries to instances where there is a permissible purpose, such as my explicit consent or a legitimate business transaction. The following inquiries on my credit report lack such authorization : XXXX. Ally Financial inquiry dated XX/XX/XXXXXXXX XXXX Ally Financial inquiry dated XX/XX/XXXX XXXX. Ally Financial inquiry dated XX/XX/XXXXXXXX  I have no account or established business relationship with Ally Financial and have not given consent for you to access my credit report. Each of these inquiries represents a clear violation of the FCRA. These actions entitle me to statutory damages of {$1000.00} per violation as specified under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ). Accordingly, I am seeking {$3000.00} in statutory damages for the three violations, in addition to the immediate removal of these inquiries from my credit report.

Please respond promptly to this letter to discuss how we can resolve this matter amicably. Failure to do so will leave me no choice but to explore other remedies, including filing legal action in Federal Court to seek statutory damages, as well as attorney fees and costs, to enforce my rights under the FCRA.

I look forward to your timely response. 

Sincerely, XXXX XXXX XXXX Email : XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: IL

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports, I notices some accounts I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint report the info I am not familiar with. 

Please find attached a copy of my I.D . The FTC complaint, a copy of the XXXX report showing my information being exposed in a national database and a Validation of debt Letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
my loan was sold to Exeter finance higher interest rate than it was originally agreed on and it didn't have car repairs in the loan which the originally had in, why I chose that institution for my title loan industry XXXX interest rate is too high never able to pay it off originated original loan amount was {$7000.00} and now its {$12000.00}, my is cars in the shop now for three months I can't paid for the loan and the car repairs Exeter finance will not help me they keep throwing more money on the back end of the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

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 2024-12-26 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-26 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-12-26 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: NV

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Adjustment Service, Inc.
State: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. I need proof of residence, ID, handwritten signature with third party, and proof that I owe this debt.

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 2024-12-26 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: FL

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$230.00} Date of 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