vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 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 OBTAINED ANOTHER COPY OF MY CREDIT REPORT AFTER BEING ADVISED MY INFO HAS BEEN INVOLVED IN A DATA BREACH, I NOTICED MORE ACCOUNTS THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681. 

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2. 

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2024-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc.
State: FL

Complaint narrative:
In the summer of XXXX I received a letter from a company claiming to be " XXXX XXXX XXXX Saying that I owed them {$770.00} for a rental car in XXXX of XXXX. Claiming that I returned the car with a broken windshield. When I spoke to the company claiming to be " XXXX XXXX they could not tell me the model car, and didn't have any proof of damage ( pictures, etc. ) and when I wouldn't pay they just hung up on me. I figured it was a scam and forgot about it. 

Then I started receiving messages from a company called First Financial Asset Management and now they are claiming that they are trying to collect a debt on behalf of XXXX XXXX 

I called XXXX XXXX number and checked to see if I owed them money. XXXX customer service, suspension and claims dept. all said they have no record of this claim. That my account is not suspended and never had been. That they don't know what debt is trying to be collected, but that it is not them. 

When I relayed this information back to First Financial, they said " I don't know who you spoke to, but we do business for XXXX and they sent you to collections. '' I'm not sure what to do, but I know I do not owe any money. This Financial company is saying they work with directly with XXXX but will not share any other information.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-30 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:
Subject : Complaint Regarding Unverified Debts on Credit Report by TransUnion and Third-Party Debt Collectors Dear Sir/Madam, I am filing a formal complaint against TransUnion and the following third-party debt collectors that are reporting unknown and unverified debts on my credit report. These debts are not owed by me, and I have never had any form of service or association with these companies. Despite my dispute, TransUnion has failed to properly investigate and verify these entries, which is damaging my credit profile and violating my rights under federal law. 

Details of the Accounts and Collection Companies : XXXX Amount : {$290.00} XXXX XXXX XXXX Amount : {$570.00} XXXX XXXX XXXX Amount : {$1600.00} These accounts are being reported by third-party collection agencies that I have never had any relationship or service with, and the debts they are attempting to collect are completely unknown to me. Despite my disputes to TransUnion and the collection agencies, the debts remain on my credit report, and I have received no satisfactory verification of these accounts. 

Violations : Failure to Verify Debt : I have disputed these debts with TransUnion, requesting verification in accordance with the Fair Credit Reporting Act ( FCRA ). However, TransUnion has not properly investigated or verified these debts, allowing them to remain on my credit report. 
Unlawful Debt Collection Practices : The collection agencies ( XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX ) are attempting to collect debts that I do not owe. I have never had any accounts, services, or transactions with these companies. As per the Fair Debt Collection Practices Act ( FDCPA ), they are required to cease collection attempts unless they provide proper verification of the debt, which they have not done. 
Damage to Credit Report : As a result of these unverified debts remaining on my credit report, my credit score has been negatively impacted, even though the debts are not legitimate. 
Request for Action : I respectfully request that the Consumer Financial Protection Bureau investigate the following issues : TransUnions failure to verify these debts in compliance with the Fair Credit Reporting Act ( FCRA ). 
The illegal collection practices by the aforementioned third-party debt collectors attempting to collect debts I do not owe. 
The removal of these accounts from my credit report if proper verification is not provided. 
An investigation into whether these companies have violated federal regulations, including penalties if applicable

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 2024-12-30 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: NC

Complaint narrative:
I asked them to remove this debt from my account because I don't owe anything, I believe it was in XX/XX/scrub>XXXX  2023 2023

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AA

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-12-30 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: NY

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2024-12-30 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX  # XXXX XX/XX/year> -- {$41000.00}

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 2024-12-30 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Unauthorized Hard Inquiry Dispute Dear Transunion, XXXX, and XXXX Credit Reporting Team , I am writing to formally dispute the unauthorized hard inquiries appearing on my credit report. I did not authorize these hard pulls, and I request that they be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. 

The following hard inquiries appear on my credit report and were made without my knowledge or consent : XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX  - Inquiry Date : XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Inquiry Date : XXXX XXXX XX/XX/XXXX Under 15 U.S.C. 1681b ( f ), it is unlawful for any person to obtain a consumer report without a permissible purpose. I have not applied for credit or authorized these entities to access my credit report. Therefore, these inquiries are a violation of the FCRA. 

I kindly request the removal of these unauthorized inquiries from my credit file. Please complete your investigation within the 30-day time frame required by the FCRA, and notify me of your findings in writing. If you need additional information to investigate, please let me know promptly. 

Enclosed are copies of my identification and a copy of my credit report highlighting the disputed inquiries for your reference. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, 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 explanation
Consumer complaint received 2024-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I called due to XXXX, Transunion and XXXX not answering my disputes for the past year and they put me on hold for 30 mins then hung up on me. I will now seek legal action.

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 2024-12-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I called due to XXXX, XXXX and Equifax not answering my disputes for the past year and they put me on hold for 30 mins then hung up on me. I will now seek legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: Self Financial Inc.
State: FL

Complaint narrative:
Called SELF FINANCIAL INC spoke to agent known as XXXX who provided me with her employee ID # XXXX asked to speak to a supervisor as she could not understand me she passed the call to another employee names XXXX who refused to provide me with his employee Id as well as the Account number that I allegedly opened with SELF FINANCIAL/LEAD BANK recorded the time of the call was 1 hour and 26 min. 
" XXXX '' was very unprofessional and evasive and refused to provide me with any information numerous times including account number, policy information, his last name and employee Id. I suspect this is a fraudulent company and they are refusing to provide any information to be liable. I quoted laws and statute codes and was not provided any information concerning this account or that there even is an account. I told them it is showing up on my credit report and i have a right to know what it is and where it came from and was given absolutely no information except that id receive a call back and an email. I said from who and the employee agent would not tell me any names or information once again. 
I have a right to face my accuser of any alleged claims or debts I have a right to know the information financial institutes have about me I have a right to dispute these false claims and be provided proof that they are legit, valid. and verified and I received none of this information .Pursuant 15 USC 1681 i have a right to know and see all supporting documentation that gives rise to and lawfully support the alleged obligations SELF FINANCIAL/LEAD BANK now claims. 
No account or contract was ever provided and that is not lawful or legal evidence to report on a consumer credit report. 
I want this corporation XXXX XXXX XXXX located at " SELF FINANCIAL INC . 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Texas XXXX " to be held responsible for their deceptive practices and false reporting and I demand to be compensated for the wrongs taken against me via my consumer report. I have calculated at least 3 FDCPA Violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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 filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding XXXX XXXX was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
Credit inquires appeared on report from a dealership that was not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
I prepaid a hotel reservation for {$290.00} using my AMEX XXXX credit card through AMEX Travel. Despite this prepayment, the hotel failed to honor it. As a result, I had to spend over two hours over 3 days resolving the issue with AMEX Travel, who had booked the reservation and charged the prepayment. 

Eventually, AMEX Travel and the hotel promised to issue a refund, but it was only for {$260.00}, leaving a {$30.00} discrepancy that was never well explained. Additionally, they assured me the refund would be processed within 5-10 business days but refused to provide any written confirmation of this promise. 

The stay was at XXXX XXXX XXXX XXXX from XXXX XXXX, 2024. The lack of transparency, accountability, and professionalism from both AMEX Travel and the hotel was frustrating and disappointing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-30 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Attention General Counsel : ExperianXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has Enclosed Consumer Demand For Arbitration Form With XXXX concerning issue regarding the handling of fraudulent XXXX XXXX XXXX : XXXX and inaccurate information on consumer credit report by Experian. On XX/XX/year>, at XXXX XXXX  ET, Experian initially removed the disputed account, which I had identified as fraudulent, from my credit report. However, on XX/XX/year>, after a Fraud Alert had already been placed on my file, Experian inexplicably reinstated the fraudulent account. This action is in direct contravention of established credit reporting practices, specifically the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain the utmost accuracy and integrity in the information they report. Experians actions, as detailed above, appear to violate these statutory requirements. In contrast, both XXXX and XXXX have rightfully removed the fraudulent account from my credit file in accordance with their responsibilities under the FCRA, and have properly recognized the account as fraudulent.

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 2024-12-30 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Attention General Counsel : ExperianXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has Enclosed Consumer Demand For Arbitration XXXX XXXX XXXX XXXX issue regarding the handling of fraudulent XXXX XXXX XXXX : XXXX and inaccurate information on consumer credit report by Experian. On XX/XX/year>, at XXXX XXXX  ET, Experian initially removed the disputed account, which I had identified as fraudulent, from my credit report. However, on XX/XX/year>, after a Fraud Alert had already been placed on my file, Experian inexplicably reinstated the fraudulent account. This action is in direct contravention of established credit reporting practices, specifically the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain the utmost accuracy and integrity in the information they report. Experians actions, as detailed above, appear to violate these statutory requirements. In contrast, both XXXX and XXXX have rightfully removed the fraudulent account from my credit file in accordance with their responsibilities under the FCRA, and have properly recognized the account as fraudulent.

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