vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-11 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:
I've got into an accident and my vehicle was deemed total lost. My insurance and gap paid off the loan, however the bank has reported it as late payments and isn't showing the loan is being paid off. Because of this my score is really low and it's affecting my credit. I will appreciate it if you guys could assist me with this situation. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Since XX/XX/year> Midland Credit Management has been calling and sending me letters about a debt they have yet to validate. I expressed to them to stop calling my phone I had to keep blocking several numbers after repeated harassment. They kept sending me bills of said debt which they never validated, on XX/XX/year> via certified mail I asked them to send me validation that such debt belongs to me as I have had several other companies and debt collections agencies try to contact me about said same debt. Thirty ( 30 ) days later they responded with another bill and bill history from the original creditor but not the validation information I requested. 
The debt was also already charged off. I also contacted the original creditor for a copy of the 1099c as I am no longer employed and living off the government assistance since my husband passed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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:
TO WHOM IT MAY CONCERN. 
I am writing to let you know that I recently received a copy of my credit report that your company publishes. I have disputed before and you all failed to block/delete and provide proof of validation for these accounts that do not belong to me. 
Upon review of my credit report, I found several items that are inaccurate or questionable. The numerous accounts in question are attached to my identity theft report. All the accounts are not mine and I am a victim of identity theft. Please respond within the time allotted to the FCRA for identity theft laws. 
Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the XXXX segments of the XXXX XXXX requirements including The Header Record, containing XXXX fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing XXXX fields, which provides the specific account information for me, The Trailer Record, containing XXXX fields, which summarized the data submitted to your bureau specific to my file. 
Under the Fair Credit Reporting Act, XXXX XXXX. XXXX, I am expressing my right to demand that you disclose your compliance with XXXX XXXX and disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in 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 2024-04-11 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: FL

Complaint narrative:
TO WHOM IT MAY CONCERN. 
I am writing to let you know that I recently received a copy of my credit report that your company publishes. I have disputed before and you all failed to block/delete and provide proof of validation for these accounts that do not belong to me. 
Upon review of my credit report, I found several items that are inaccurate or questionable. The numerous accounts in question are attached to my identity theft report. All the accounts are not mine and I am a victim of identity theft. Please respond within the time allotted to the FCRA for identity theft laws. 
Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the XXXX segments of the XXXX XXXX requirements including The Header Record, containing XXXX fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing XXXX fields, which provides the specific account information for me, The Trailer Record, containing XXXX fields, which summarized the data submitted to your bureau specific to my file. 
Under the Fair Credit Reporting Act, XXXX XXXX. XXXX, I am expressing my right to demand that you disclose your compliance with XXXX XXXX and disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have been trying to get information for the past 3 years and they have yet to send me anything. This has ruined my credit due to this incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: LA

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a XXXX party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: FL

Complaint narrative:
According to FCRA 605B, we got ta delete any wrong stuff from my credit report. Can you look at the papers? Some accounts listed are wrong about what's reported, like the 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 2024-04-11 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: NJ

Complaint narrative:
I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. 

In accordance with the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX section XXXX ( a ), it is mandated to ensure that consumer reporting agencies conduct their duties with fairness, impartiality, and a respect for my right to privacy. As a consumer, I am entitled to safeguard my private information, as supported by XXXX XXXX XXXX, which emphasizes the obligation of financial institutions to uphold customer privacy and confidentiality. 

Pursuant to XXXX XXXX XXXX section XXXX ( a ) ( XXXX ), consumer reporting agencies such as XXXX and XXXX and Transunion are only permitted to furnish consumer reports with the explicit written instructions of the concerned consumer. However, I have not provided any such consent for them or any furnisher of information to credit agencies to share my information. The Accounts in question are XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, XXXX XXXX XXXX ( b ) ( c ) stipulates that financial institutions can not disclose nonpublic personal information to nonaffiliated third parties without informing the consumer about their right to opt out of such disclosures. However, I have not been given this option by the furnisher of information to credit agencies. 


Moreover, XXXX XXXX XXXX ( a ) ( XXXX ) prohibits consumer reporting agencies from including adverse information in consumer reports without authorization. Yet, this account is being reported adversely without my consent, violating the law. 

Additionally, XXXX XXXX Code XXXX ( A ) ( XXXX ) mandates that information furnished to consumer reporting agencies must be accurate, while XXXX XXXX Code XXXX requires consumer reporting agencies to maintain reasonable procedures to prevent violations of FCRA sections and to limit consumer report furnishing to permissible purposes. However, XXXX and XXXX and Transunion are not adhering to these standards. 

Lastly, XXXX CFR XXXX affirms the consumer 's right to opt out at any time. Therefore, I am choosing to exercise my right to opt out of your reporting services.

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 2024-04-11 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: NJ

Complaint narrative:
I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. 

In accordance with the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX section XXXX ( a ), it is mandated to ensure that consumer reporting agencies conduct their duties with fairness, impartiality, and a respect for my right to privacy. As a consumer, I am entitled to safeguard my private information, as supported by XXXX XXXX XXXX, which emphasizes the obligation of financial institutions to uphold customer privacy and confidentiality. 

Pursuant to XXXX XXXX XXXX section XXXX ( a ) ( XXXX ), consumer reporting agencies such as Equifax and XXXX and XXXX are only permitted to furnish consumer reports with the explicit written instructions of the concerned consumer. However, I have not provided any such consent for them or any furnisher of information to credit agencies to share my information. The Accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX Furthermore, XXXX XXXX XXXX ( b ) ( c ) stipulates that financial institutions can not disclose nonpublic personal information to nonaffiliated third parties without informing the consumer about their right to opt out of such disclosures. However, I have not been given this option by the furnisher of information to credit agencies. 


Moreover, XXXX XXXX XXXX ( a ) ( XXXX ) prohibits consumer reporting agencies from including adverse information in consumer reports without authorization. Yet, this account is being reported adversely without my consent, violating the law. 

Additionally, XXXX XXXX Code XXXX ( A ) ( XXXX ) mandates that information furnished to consumer reporting agencies must be accurate, while XXXX XXXX Code XXXX requires consumer reporting agencies to maintain reasonable procedures to prevent violations of FCRA sections and to limit consumer report furnishing to permissible purposes. However, Equifax and XXXX and XXXX are not adhering to these standards. 

Lastly, XXXX CFR XXXX affirms the consumer 's right to opt out at any time. Therefore, I am choosing to exercise my right to opt out of your reporting services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I opened an Apple Card G S BANK account back in XX/XX/XXXX, while on vacation in XXXX I received a notification by phone of an attempt of an unauthorized charge to my account on XX/XX/XXXX, I immediately called Apple Card member services by prone and had the representative close the account, there was never any charges made by me or posted to the account it always remained with a {$0.00} balance for the time it was open from XX/XX/XXXX to XX/XX/XXXX. 
I filed for XXXX XXXXXXXX Bankruptcy in XX/XX/XXXX and received the final discharge XX/XX/XXXX. 
Beginning in XXXX of XXXX Apple Card G S BANK started reporting my account with all credit agencies as DELINQUENT, CHARGED OFF IN BANKRUPTCY and DERROGATORY. 
I have logged more than XXXX calls to different supervisors in the XXXX department of Apple Card and the agree with me that their information on file is correct, never had a balance {$0.00}, opened XX/XX/XXXX and closed at customers request on XX/XX/XXXX but they can not figure out why my account is being reported as XXXX in Bankruptcy, Derogatory and Delinquent since it never had a balance, I never had to make a payment to them, and there was nothing to charge off. 
The Apple Card - G S Bank account is not mentioned in my bankruptcy fliling and they never made a debt claim either, attached please find court document.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to file a complaint regarding a serious data privacy violation that occurred at the XXXX XXXX XXXX Chase Bank located at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

Chase account holder : XXXX XXXX Chase banker : XXXX XXXX XXXX XXXX check owner : XXXX XXXX On XX/XX/2024, XXXX XXXX opened an account at this branch XXXX XXXX XXXX Chase Bank located at XXXX XXXX XXXX, XXXX XXXX, FL XXXX, with the banker XXXX XXXX, XXXX XXXX ask the banker can he endorse the check to XXXX to deposit into the account. XXXX the banker said yes, there will be no issues, endorsing a third-party check, and assured XXXX that the funds would clear in a few weeks due to the new account status. 

Ongoing situation due to the block in freeze of the funds for third-party verification. 

However, on XX/XX/XXXX, when XXXX and XXXX XXXX visited the bank to inquire about the status of XXXX account, XXXX informed XXXX that she had mistakenly requested XXXX to endorse the check, which had been red-flagged by the fraud department. XXXX The banker for chase was on the phone with the fraud department at the time and admitted that she was unaware of the protocol regarding check endorsements. She expressed regret for her actions and she wasnt unaware about the updated policy for third-party checks. She feel like all the actions for the miss guidance should fall on her because she represent chase bank. And she should return the check to XXXX immediately or send the funds back to the third-party holder. 

XXXX XXXX express his dissatisfaction with the phone verification process for Chase Bank. For the past month XXXX attempted to verify his identity over the phone, but was unable to do so successfully. This has caused XXXX great inconvenience and frustration. 

Furthermore, lanzie concerned about the potential violation of XXXX data privacy during this verification process. I believe that lanzie personal information may have been compromised or mishandled in some way, which is unacceptable. 

Chase Bank have been unable to verify lanzie identity over the phone, which has resulted in a delay in the release of my check. This situation is not only frustrating but also unfair, as I was misled and given incorrect advice by a Chase employee when opening the account.

I believe that this misrepresentation by a Chase employee is unacceptable and should not be tolerated. I request that appropriate action be taken to prevent such incidents from occurring in the future. It is crucial that customers receive accurate information and guidance from bank employees. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A couple of years ago I got notified that new accounts were open on my credit report. After viewing these accounts, I find out multiple student loan accounts were opened in my name without my permission. I have been fighting with the company about this. They have submitted multiple and multiple cases but no one ever responds or gives me an update. I have went to the credit bureaus to try to get these accounts removed and they have filed dispute after dispute. One of the bureaus removed all the accounts but Im having so many issues with the other two removing these fraud accounts from my reports. 

Whats crazy is I have access to the creditors online account to view all my fraud loans, and of course Im having to make payments to keep these fraud accounts from not hurting my credit more then they already have. 

This has been a complete battle. Dealing with the bureaus have not been easy or dealing with the company. Im hoping by reaching out to you guys maybe just maybe after years and years you guys maybe can help fix and resolve this. 

Ive asked the company multiple times to provide proof of this loan, provide proof that I signed for these loans. They havent and wont because there isnt any proof because I never signed for any of these loans. Its fraud. Its not okay, and its hurting my credit and keeping me from purchasing a home because they are counting this debt against me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: TX

Complaint narrative:
A couple of years ago I got notified that new accounts were open on my credit report. After viewing these accounts, I find out multiple student loan accounts were opened in my name without my permission. I have been fighting with the company about this. They have submitted multiple and multiple cases but no one ever responds or gives me an update. I have went to the credit bureaus to try to get these accounts removed and they have filed dispute after dispute. One of the bureaus removed all the accounts but Im having so many issues with the other two removing these fraud accounts from my reports.

Whats crazy is I have access to the creditors online account to view all my fraud loans, and of course Im having to make payments to keep these fraud accounts from not hurting my credit more then they already have.

This has been a complete battle. Dealing with the bureaus have not been easy or dealing with the company. Im hoping by reaching out to you guys maybe just maybe after years and years you guys maybe can help fix and resolve this.

Ive asked the company multiple times to provide proof of this loan, provide proof that I signed for these loans. They havent and wont because there isnt any proof because I never signed for any of these loans. Its fraud. Its not okay, and its hurting my credit and keeping me from purchasing a home because they are counting this debt against me.

Company response to consumer: Closed with explanation