vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-23 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: CA

Complaint narrative:
Subject : Request to Block and Delete Accounts Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these accounts and inquiries are fraudulent. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I have the right to request the blocking of any information resulting from identity theft or fraudulent activity.

Fraudulent Accounts : XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$2700.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$10000.00} XXXX. XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$10000.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$12000.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$3500.00} Fraudulent Inquiry : XXXX. XXXX XXXX  XXXX Date of Inquiry : XX/XX/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 2024-12-23 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: CA

Complaint narrative:
Subject : Request to Block and Delete Accounts Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these accounts and inquiries are fraudulent. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I have the right to request the blocking of any information resulting from identity theft or fraudulent activity.

Fraudulent Accounts : XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$2700.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$10000.00} XXXX. XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$10000.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$12000.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$3500.00} Fraudulent Inquiry : XXXX. XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: VA

Complaint narrative:
After reviewing my latest credit report, I discovered several accounts that appear to have been added without my authorization. I request their immediate removal as they are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have reached out to this company several times. They agreed to settle for {$2000.00} exactly on XX/XX/year> according to XXXX XXXX Director Of Operations. 

I followed up to inquire about when my portal will be updated I have not received a response after contacting the company multiple times. 


On XX/XX/year> they then updated my settlement amount to {$2800.00} which is not the amount they agreed to and have now been reporting the account incorrectly on my credit report. This needs to be corrected or they need to delete this account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BTH Management
State: FL

Complaint narrative:
I have reached out to this company several times. They agreed to settle for {$2000.00} exactly on XX/XX/year> according to XXXX XXXX Director Of Operations. 

I followed up to inquire about when my portal will be updated I have not received a response after contacting the company multiple times. 


On XX/XX/year> they then updated my settlement amount to {$2800.00} which is not the amount they agreed to and have now been reporting the account incorrectly on my credit report. This needs to be corrected or they need to delete this account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: GA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to 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 2024-12-23 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: GA

Complaint narrative:
I filed bankruptcy that has been discharged since XX/XX/year> and I have contacted transunion, XXXX since 2019 and I have disputed this for years and it keeps coming back verified Ive contacted the is bankruptcy court and the court doesnt report to any credit agencies therefore my information was obtain without my consent or permission and I want it deleted 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 2024-12-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I already submitted a complaint on another service ticket on XX/XX/year>. The ticket has been closed by the AMEX customer service advocate. The ticket number is XXXX. 
Someone called me on Friday XX/XX/year> and left a message to call back during business hours Monday - Friday XXXX XXXX  through XXXX XXXX. I called back as soon as I could several times XXXX ext XXXX. That extension then rings to another voicemail box, XXXX, which is full and can not record any new messages. The initial complaint/ticket has not been resolved because I have not spoken to anyone yet. 
I still have a balance of XXXX dollars which I can not use at stores ( e.g. XXXX XXXX or XXXX ). Again, there is a known issue with AMEX gifts declining because there are so many safety restrictions that the card is a hassle to use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
This letter constitutes a formal complaint regarding a delayed funds transfer initiated on XX/XX/year>. I transferred the sum of {$11000.00} via wire transfer to my account at Gemini Trust Company , LLC XXXXXXXX XXXX XXXXXXXX. Gemini XXXX, XXXX XXXX XXXX XXXXXXXX on that date. The transfer was confirmed by my sending bank on the same day. 

Gemini company representatives verbally assured me that the funds would be credited to my account within one business day, with a maximum processing time of three business days. However, despite the transfer confirmation and the passage of 3 business days, the funds have not been credited to my account. 

Furthermore, attempts to resolve this issue through your customer support channels have been unsuccessful. Support representatives have failed to acknowledge the receipt of the funds despite the provided transfer confirmation. 

I request that you promptly investigate this matter and take immediate steps to rectify this issue. I expect a full and timely resolution, including the immediate crediting of the funds to my account. 

I hereby reserve the right to pursue all available legal remedies, including but not limited to filing a complaint with the relevant regulatory authorities ( such as the Financial Industry Regulatory Authority ( FINRA ) and the New York State Department of Financial Services ) if this matter is not resolved satisfactorily within reasonable number of days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: FL

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting for XXXX XXXX Account Dear CFPB, I am writing to formally dispute the inaccurate late payment reporting on my XXXX XXXX account ( # XXXX ) reflected in my Experian credit report. Despite two prior disputes filed on XX/XX/XXXX and XX/XX/XXXX, no corrections have been made to this account. The continued inaccuracies are a violation of the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Protection Against Non-Payment of Obligations Act ( PAANL ). The account also has discrepancies and errors in its reporting dates, payment history, and balance details, which are outlined below : Account Details : High Balance : {$38000.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$18000.00} Account Status : Open Payment Status : Current Monthly Payment : {$680.00} Two-Year Payment History : Reflects an inaccurate 30-day late payment for XX/XX/XXXX. 
Discrepancies : Date Inconsistencies : The " Date Reported '' ( XX/XX/XXXX ) and " Date of Last Activity '' ( XX/XX/XXXX ) conflict, suggesting incorrect reporting. 
Inaccurate Late Payment : The 30-day late payment for XX/XX/XXXX is incorrect and unsupported by the accounts payment records. 
Balance Details : The balance of {$18000.00} differs from the amounts reported to XXXX and XXXX for the same account. 
Relevant Legal Violations : FCRA ( 15 U.S.C. 1681i ) : Requires credit reporting agencies to investigate and correct inaccuracies promptly.

TILA ( 15 U.S.C. 1666b ) : Mandates that creditors send periodic statements at least 21 days before the due date, ensuring no unfair penalties for consumers. 
PAANL : Reinforces creditors ' responsibilities to provide accurate, timely statements to protect consumers from erroneous reporting. 
Desired Resolution : Immediate removal of the inaccurate 30-day late payment from my credit report.

Written confirmation of the corrections made.

Assurance that this account will be reported accurately in the future. 
I have also submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to address these inaccuracies. If these issues are not resolved promptly, I will consider escalating the matter further, including legal action. 
Sincerely, 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 2024-12-23 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:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: GA

Complaint narrative:
Today, XX/XX/XXXX, I contacted the collection company CREDIT Management Company listed on my XXXX report for {$500.00} and was told by representative XXXX ( male ) that there was no record on file for me or the collection. He provided me with a different number, which I called and spoke to representative XXXX ( male ). XXXX stated this collection was from a service provided on XX/XX/XXXX by the XXXX XXXX, XXXX. I told him I declined service and requested verification of services that they claim were provided to me, but he had no other information to share, only the company name. 

I did a XXXX search on The XXXX XXXX, XXXX, and the three different phone numbers listed did not connect me to this company. I spoke with a representative, XXXX ( female ), at XXXX XXXX, a Medical Practice Management company, for one of the listed numbers, who could not confirm they represented The XXXX XXXX, XXXX, but would have someone call me back. 

After doing more research, I noticed one-star and XXXX negative XXXX reviews for this company with the same issue. False charges and collections are reported for those who declined service. 

I contacted XXXX and spoke with a representative, XXXX, to submit a dispute and she recommended I file with FTC. She informed me this would probably take up to 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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:
Good day, I am deeply concerned about the erroneous information on my credit report. These inaccuracies are jeopardizing my financial stability and hindering my ability to move forward, as my credit applications are being rejected due to these errors. This situation is causing me immense stress and frustration.

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 2024-12-23 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: NM

Complaint narrative:
Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

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 explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
A friend of mine 's phone was hacked in XXXX and the hackers used it to ask me for money passing for her. I have sent her money like that before and never had a problem that is why I thought it was her. They called first and had a woman talking real fast and then the call dropped. I texted her through XXXX thinking that it was her and that is when they asked me to transfer {$1900.00}, then {$1000.00}, and then {$1000.00}. To make a total of {$4000.00}. Right after I sent the transfers through XXXX with my Wells Fargo account, I received a text from another friend telling me that my other friend 's phone was hacked, it was too late. I talked to XXXX and they wanted to take over my phone remotely to " help '' me, I did not wan to do that. Called Wells Fargo and filed a complaint and then went to the Wells Fargo branch and filed another complaint, all of my complaints were denied.

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 2024-12-23 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:
Company has not validated debt with my signature. Has not responded to ID theft information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: PA

Complaint narrative:
In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX made a hard inquiry of my PERSONAL credit record with TransUnion. I did not authorize XXXX 's to check my credit. 

I initiated a dispute with TransUnion because my PERSONAL credit record reflects a hard inquiry by XXXX XXXX XXXX XXXX responded with a letter that says, " Based on your XXXX credit bureau dispute, we have reviewed the following information ... Our research indicates we are reporting your account correctly to the XXXX credit bureaus. '' XXXX XXXX is unable to produce any document containing my signature that authorized a hard credit inquiry of my PERSONAL credit record. 

TransUnion then informed me several times on XXXX XX/XX/year> that XXXX ) It is illegal for TransUnion to remove incorrect information from my credit report, and XXXX ) There is no way for the incorrect information to be removed from my credit report. TransUnion refuses to remove the incorrect information from my PERSONAL 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 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/year> TransUnion won't allow me to view my credit score free access to my score and report on my TransUnion account they is charging me {$0.00} to view my own credit score and report instead of allowing people to view there credit score free in there TransUnion account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: OH

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX # : XXXX {$440.00} XXXX XXXX XXXX XXXX : XXXX {$390.00} Prestige Fin- Inquiry Armed FRCS- Inquiry CPS-Inquiry Nature of Dispute : I don't recognize none of these accounts and they're hurting my credit score. Please remove!

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), I am entitled to dispute any inaccuracies on my credit report, and you are legally required to investigate and resolve my dispute in a timely manner. The law mandates that you investigate my claim within 30 days of receiving this dispute and correct any errors that may be found. 

I request that you please conduct a full investigation into this matter and update or remove the inaccurate information from my credit report. I also ask that you provide me with the results of your investigation in writing, including any actions taken. Please review this evidence and amend my credit report accordingly. If necessary, I can also provide additional documentation to assist with your investigation. Thank you for your prompt attention to this matter. I expect to receive a response within the statutory time frame of 30 days. 

Sincerely, 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 2024-12-23 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: CA

Complaint narrative:
I recently revied my credit report and I was shocked to find out that I have been a victim of identity theft I found a account on my credit report that were not open by me. This was been hurting me as I am trying to by a family home. Please remove the fraudulent account from my credit report as soonest possible XXXX XXXX XXXX XXXX. I am also attaching my Driver licensed copy, Social Security, Utility bill and identity theft report. 

THANK YOU SO MUCH.

Company response to consumer: Closed with non-monetary relief