vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
while i was at work and a hacker hacked my digital card and begin to spend my money and XXXX of the charges was {$1300.00} from coach in new jersey however i stay in XXXX XXXX and WAS Not in new jersey at the time... the company has not been helpful at all... the person who hacked my account and did the data breach has also taken my information and started over XXXX subscriptions in my name. I have no idea how to get my identity back nor do i know if the company is seriously handling my dispute.

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 2024-03-15 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: FL

Complaint narrative:
Applied for payment extension in XX/XX/XXXX and tried to work with the company to expedite my request by making weekly phone calls. When the extension was granted in late XX/XX/XXXX they claimed the payment was late and reported to the credit bureau.

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 2024-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
You are reporting inaccurate accounts on my credit report. I'm so stressed and very disappointed due to this events that harmed my mental health, emotional health and even put my family in distress! Start the investigation on these accounts.

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 2024-03-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to file a formal complaint against XXXX  violation of my consumer rights under the fair credit reporting act ( FCRA ). Specifically my complaint is regarding the unauthorized reporting of capital one account number XXXX and the XXXX  card XXXX on my consumer credit report and / or credit file, which I did not consent to nor was I properly notified about. 
This information is not only wrongful but was also reported without my explicit consent or prior notification. This action has significantly and negatively affected my credit score, making it difficult for me to obtain credit and it has caused me undue stress and financial hardship. 
I have previously attempted to resolve this matter, but to no avail the issue was not resolved despite my efforts, the issue remains unresolved, and this information is still present on my credit report. 
I respectfully request the removal of this information from my credit report maintained by XXXX. 
I hope XXXX  takes my complaint serious and rectifies this situation as swiftly as possible. 
I look foward to their response and am hopeful for a favorable resolution. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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:
- 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 2024-03-15 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: NJ

Complaint narrative:
I lodged a complaint with these Bureaus a couple months ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-03-15 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: GA

Complaint narrative:
Transunion and XXXX are reporting these accounts late when they shouldnt be.

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 2024-03-15 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: NC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXXXXXX Account Number : XXXX, and so on.

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 2024-03-15 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX  XXXX Account Number : XXXX, and so on.

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 2024-03-15 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: CO

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

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 2024-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I received communication on XX/XX/2024, XX/XX/2024 from Midland Credit Management threatening to sue me for a debt allegedly owed. However, despite this threat, I have not received a summons or any formal legal notice regarding this matter. This action by Midland Credit Management is a clear violation of the FDCPA, Which prohibits debt collectors from using false, deceptive, or misleading practices in connection with the collection of any debt. By Threatening legal action without following through with a formal summons, Midland Credit Management is attempting to intimidate and harass me, which is unacceptable under the law. I request for an investigation for this matter urgently and take immediate action against Midland Credit Management.to ensure that they comply with the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: VA

Complaint narrative:
Dear Transunion, This Collections Account Status is Open. How is this even possible? Collections are Closed accounts by default. Transunion is very unreliable ; you guys need to provide 100 % Accuracy. 15 USC 1681e ( b ), Accuracy of report : 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. 

TRANSUNION ISNT ABIDING BY THIS LAW, FIX OR REMOVE THIS ACCOUNT XXXX XXXX Account # : XXXX XXXX XXXX IS A COLLECTIONS ACCOUNT. ALL COLLECTIONS ARE CLOSED ACOUNTS BY DEFAULT, WHY IS THIS ACCOUNT STATUS EVEN OPEN.THIS IS VERY IMPORTANT, THIS IS NOT MAXIMUM ACCURACY PLEASE REMOVE THIS 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 2024-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
Rocket Mortgage has a trade line on my credit report stating that an XX/XX/year> payment was missed showing a late payment. I have contacted them several times and did disputes with the credit bureau to fix this to no avail. The credit bureau has provided me this Website to submit the information to

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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:
I received a copy of my most recent credit report and there are inquiry from XXXX XXXX XXXX dated XX/XX/2023. I did not initiate, request and/or conduct any business

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 2024-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In XXXX  this company started reporting this derogatory collection to TransUnion. I do not have a contract with XXXX XXXX XXXX, therefore I contacted XXXX through certified mail asking to verify and validate the requested information, but never received it. Listed below is the requested information. 

1.Original contract with my wet signature on it 2.Original creditor 's information ; name, address, and phone number 3. Payment history showing including all missed payments 4. A copy of the agreement between XXXX XXXX XXXX and XXXX XXXX Bank that authorizes XXXX Funding to collect on 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 non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
Email : XXXX XX/XX/2023 Credit collection service Subject : Request for More Information and Removal of Debt Information Dear Sir/Madam, I am writing to address the matter of a debt that has been attributed to my name and request further information regarding its origin and validity. Additionally, I kindly request the removal of this debt from my records if it is found to be inaccurate or unsubstantiated. 

To provide you with context, I recently viewed my report, and saw your agency regarding a debt allegedly owed by me on XXXX XXXX for {$150.00} However, I have no recollection or knowledge of any outstanding debt with the account mentioned. Therefore, I am requesting detailed information related to this debt, including the original creditor 's name, the date of the debt, and any supporting documentation available. 

I am exercising my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ) to obtain accurate and specific information regarding the alleged debt. It is crucial for me to fully understand the nature and legitimacy of the debt to ensure that I can take appropriate action if necessary. 

Furthermore, I would like to emphasize that if, upon reviewing the provided information, it is found that the debt is inaccurate or lacks sufficient evidence, I request that you remove this debt from my records and cease any collection activities associated with it. Please note that the FDCPA obligates debt collectors to ensure the accuracy of the information they report and to provide verification upon request. 

I kindly ask you to provide me with the requested information within 30 days of receiving this letter. Additionally, I request that all collection activities regarding the mentioned debt, including phone calls, letters, or any other form of communication, are put on hold until I have received and reviewed the necessary documentation. 

Please provide all correspondence in writing to the email at XXXX. I appreciate your prompt attention to this matter and expect your cooperation in resolving this issue promptly. 

Thank you for your understanding and cooperation. I look forward to receiving the requested information and an update on the status of this debt. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: AZ

Complaint narrative:
EQUIFAX is obligated by the FCRA to report accurate accounting. Consumer has advised ALL inquiries reported were fraud. Said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of Consumer. Consumer is now requesting EQUIFAX provide the documentation used to determine inquiry was indeed authorized by the Consumer. EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, and signed application with Consumer wet ink signature. Consumer is NOT asking for an e-oscar report. If EQUIFAX does not have documentation to show these were in fact authorized, it must be removed immediately. Said company is liable under the SEC to follow certain rules. EQUIFAX Commission file number XXXX. Underwriters : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, New York XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, New York, New York XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX of the XXXX, XXXX XXXX, XXXX XXXX New York XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, Georgia XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, North Carolina XXXX. XXXX will be filing Form XXXX under XXXX XXXX Forms to audit Consumer account. EQUIFAX is securitizing Consumer 's data, yet refuses to provide Consumer with a copy of his CONSUMER FILE ( not Consumer Report ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There are accounts being reported to my credit without my permission

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 2024-03-15 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: CO

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: TN

Complaint narrative:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: TN

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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