vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I received a couple of letters from Equifax dated XX/XX/2024 that did not address my recent inquiry and complaint adequately. 

Per the request of Equifax, I mailed a copy of my Utah driver 's license and a copy of a utility bill from XXXX XXXX XXXX. However, Equifax failed to update my credit report and send me a copy by mail. 

I had a slight name change by removing my middle names and not sure if that is causing some confusion which shouldn't be the case. I used to be known as XXXX XXXX XXXX XXXX and removed the middle name and only go by XXXX XXXX XXXX has not updated my credit report and seem to be on a similar path as Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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: PA

Complaint narrative:
Theres accounts on my report listed below that I never done any business with they were opened fraudulently under my name and social I need this accounts to be removed immediately! 

XXXX XXXX XXXX XXXX XXXX owed {$290.00} XXXX XXXX owed {$520.00} 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN XXXX  t to subsection ( c ) any consumer reporting agency may furnish a consumer report un owing circumstances and no other : ( 2 ) In accordance with the WRITTEN ION of the consumer to whom it relates. I NEVER gave any consumer ting agency WRITTEN CONSENT to report anything on my consumer report which XXXXmy rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Theres accounts on my report listed below that I never done any business with they were opened fraudulently under my name and social I need this accounts to be removed immediately! 

XXXX  XXXX XXXX XXXX XXXX owed {$290.00} XXXX XXXX owed {$520.00} 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN XXXX  t to subsection ( c ) any consumer reporting agency may furnish a consumer report un owing circumstances and no other : ( 2 ) In accordance with the WRITTEN ION of the consumer to whom it relates. I NEVER gave any consumer ting agency WRITTEN CONSENT to report anything on my consumer report which XXXXmy rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: NY

Complaint narrative:
Hello, I am writing to inform you that I have an erroneous item on my credit report. I have asked the company to send proof of documentation, but they have refused. 

I have also asked the three credit bureaus to verify the item, but they have not responded to my request. 

All they would say is that the company says it is real with no verification of the legitamcy of the item. 

I have a fraudulent entry, and they have not assisted in verifying its validity. 

Thank you for your time and attention to this matter.

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 2024-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Synovus Bank
State: GA

Complaint narrative:
First Progress card did not address the issue of why I came to CFPB. They closed the credit card account but still told me that I was responsible for the fraudulent activities on the account, therefore, I should pay the balance owed. As I mentioned earlier when I filed this complaint with CFPB, there was fraudulent activity on this credit card account of which this credit card expired about two or three years ago. I do not know how someone obtained my information and used this card. I have told them on several occasions now that I did not use this card and that this card expired a long time ago. Please help me in resolving this matter with First Progress card. This was a secured credit card, I do not want my money back they can keep the money. I just don't want anything to do with First Progress Card ever again. I also faxed all the required documents they requested before they closed this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a Capital One BJ 's general purpose Mastercard. It can be used at BJs for " points, '' and anywhere MC is accepted. 

On XXXX I received a notice of a " pending '' charge from BJ 's in the amount of {$60.00}. I called customer service and inquired, as I did not initiate that charge. Customer service informed me that I would need to wait 24 hours in order for them to " view '' the charge. 

I waited until XXXX to call again, as the charge is still listed as " pending '' ( but still holding that amount on my card ). I was told by the customer service agent ( XXXX ) that it was a " restrictive hold '' in regard to an order placed in the BJ 's App on XX/XX/year>. 

When placing an order in the app, they will typically " hold '' a percentage of the Order as a restocking fee, should the order not be picked up. I understand that. However, the order was paid for, and picked up on XX/XX/year>. No further online/app orders have been placed. 

I was told that they could not remove the " pending '' charge and thereby release the funds being held on my card that can not be used, until they investigate. I was told that I would receive an email with my case number ; which I have not. I was also told that it could take three business days, or longer to resolve. 

I am not understanding why a hold was placed on my account from a transaction that was completed 13 days earlier. 

As the charge is still " pending '' today, Capital One is not able to remove it. 

Assistance in this matter would be greatly appreciated. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
In XXXX XXXX XXXX  I arranged my wife a trip to XXXX for my wife and myself. I booked XXXX  tickets on XXXX XXXX  ( The XXXX XXXX. We reserved tickets forXXXX XXXX XXXX flying from XXXX XXXX to XXXX and returning on XXXX XXXX. Shortly after XX/XX/XXXX, I saw in the news that XXXX  was a strike on the last week in XXXX and XXXX canceled more than XXXX flight, including my flight to XXXX. 
I called and spoke with a reservations agent who confirmed the cancelation. I asked for a refund for both flights and was told no problem, but they only refunded {$100.00}XXXX XXXX of the {$360.00}. Many calls and correspondence ensued and they claimed because I cancelled the XXXX  flight, I could only get a partial refund. They expected me to fly back from XXXX even though they were not going to fly me there. 

Things got more complicated when the strike was called off and all flights flew as scheduled. By that time I had re-booked with another airline as I had reservations for hotels, cars and museums that could not be changed. 

I can include some correspondence from XXXX  and CapitalOne, the credit card company who refused to accept the documentation I can send you. Also included are news stories about the strike and the cancellation. 

My complaint is with both XXXX  and CapitalOne. I would like the rest of my refund of {$260.00} from XXXX. If not, then I want CapitalOne to accept. And review the documentation so they can dispute with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX Account number XXXX Late Payments Unauthorized Inquiries XXXX XXXX XXXX Account number XXXX Account is Closed please remove off from my credit report unauthorize inquiries XXXX XXXX Account number XXXX Account is Closed please remove off from my credit report unauthorize inquiries XXXX XXXX Account number XXXX Account is Closed please remove off from my credit report unauthorize inquiry XXXX XXXX Account number XXXX Account is Closed please remove off from my credit report unauthorize inquiries XXXX XXXX Account number XXXX Account is Closed please remove off from my credit report unauthorize inquiries XXXX Account XXXX XXXX account XXXX Unauthorized Inquiry please remove off of my credit XXXX XXXX Account number XXXX Charged off account unauthorized inquiry please remove off my credit report XXXX XXXX Account number XXXX Charge off account XXXX  unauthorized inquiry please remove off credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: VA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful mis-statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I demand you to delete fraudulent account now.

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 2024-04-05 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: GA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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 looked at my report back on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-05 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: IL

Complaint narrative:
My understanding is that FCRA 605B necessitates the removal of any incorrect entries from my credit report. Could you please examine the documents? A few of the listed accounts are inaccurately reported in terms of amounts and dates.

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 2024-04-05 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: NY

Complaint narrative:
In early XXXX, I made a {$1000.00} balance transfer from one credit card to another, resulting in a net {$0.00} change, but on all three credit bureau reports, my score dropped by XXXX points. I have never seen an increase or decrease by such a huge amount for any change in my credit use, and in this case, my credit use didn't change since I was decreasing the use of credit on one card by {$1000.00} and increasing my credit use on another card by {$1000.00}. The credit bureaus have no mechanism to dispute or even submit an inquiry about credit scores online or by phone, because " they are not a component of your credit reports but are, instead, numbers generated by the credit scoring models based on the information as it appears in your credit report at the moment it is requested. '' How is it possible that a net {$0.00} change in credit use can result in a XXXX point decrease from which there appears to be no way to recover those points? I have never seen fluctuations in my credit score that were bigger than XXXX points one way or the other. 

Also, if there is transparency about credit scoring that would help me understand my situation, where is it disclosed and why is it so difficult to find it? When you call the credit reporting agencies, there is no way to talk to someone. You're simply referred to the website, where there is no way to submit an inquiry or dispute regarding scoring issues.

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 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In early XXXX, I made a {$1000.00} balance transfer from one credit card to another, resulting in a net {$0.00} change, but on all three credit bureau reports, my score dropped by XXXX points. I have never seen an increase or decrease by such a huge amount for any change in my credit use, and in this case, my credit use didn't change since I was decreasing the use of credit on one card by {$1000.00} and increasing my credit use on another card by {$1000.00}. The credit bureaus have no mechanism to dispute or even submit an inquiry about credit scores online or by phone, because " they are not a component of your credit reports but are, instead, numbers generated by the credit scoring models based on the information as it appears in your credit report at the moment it is requested. '' How is it possible that a net {$0.00} change in credit use can result in a XXXX point decrease from which there appears to be no way to recover those points? I have never seen fluctuations in my credit score that were bigger than XXXX points one way or the other. 

Also, if there is transparency about credit scoring that would help me understand my situation, where is it disclosed and why is it so difficult to find it? When you call the credit reporting agencies, there is no way to talk to someone. You're simply referred to the website, where there is no way to submit an inquiry or dispute regarding scoring issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: NY

Complaint narrative:
I've recently obtained copies of my personal consumer credit reports and have noticed questionable or insufficiently verified data within my file at your company 's offices, as outlined in my reviewed documents. I'm worried that this information might have been mistakenly or intentionally added back to my credit report by your offices after being removed from reporting, without providing the necessary five-day notice to me, as required by reporting regulations that your company must adhere to. 

According to the Fair Credit Reporting Act ( FCRA ), any previously removed reporting item can not be reinserted into a consumer 's credit report without written notice from the relevant credit reporting agency or agencies directly to me, the affected consumer, within five business days of the alleged reinsertion date. I want to make it clear that I haven't received any such notice or confirmation regarding the accuracy and completeness of the reported claims.

Your agency is in violation!

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.

Listed below are the Personal Information that are being challenged Incorrect DOB : - 1999 Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief