vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-11 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to dispute an inquiry that appears on my credit report. I have carefully reviewed my records and can confirm that I did not initiate this inquiry. I believe this inquiry is inaccurate and should be promptly removed 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 explanation
Consumer complaint received 2024-03-11 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: GA

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/year> I filed a dispute with USAA for a transaction made by XXXX XXXX XXXX, a company which is currently engaged in fraud by taking customers orders and not sending the product. After filing this dispute, USAA requested more information in addition to the information that I provided over the phone. USAA wanted an invoice of the product even though I had explained that no invoice was provided. I had already attempted to contact the business numerous times to resolve this issue before filing this dispute with no answer. USAA abruptly closed my dispute and reversed the credit from my account with no correspondence or explanation either by phone, e-mail, or in the app. After several calls to USAA I provided a letter detailing the steps that I took to try to resolve this with the business including detailed reports of other victims of fraud. It was readily apparent to me that USAA neglected to act on behalf of my interests during the dispute by failing to contact the vendor. I have requested to speak to the investigating officer with no return call from USAA. They have apparently quietly opened the investigation again but there has been no explanation to their failure to investigate this matter thoroughly.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-11 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
15 U.S. Code 1681a : any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision. 

XXXX XXXX XXXX XXXX Remove from my credit report 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 explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2024-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In early XXXX, I began disputing inaccuracies with XXXX XXXX XXXX XXXX reported on my TransUnion credit report. Despite multiple disputes, including one between XXXX and XX/XX/XXXX, issues persist, notably after a partial information removal by TransUnion. This approach fails to comply with the Fair Credit Reporting Act ( FCRA ) requirements for accuracy and completeness. Specific concerns include contradictory update dates and missing payment history, raising questions about the verification process and report integrity. 

For example, TransUnion 's report shows a " last updated '' date in XX/XX/XXXX, conflicting with a " last payment made '' in XX/XX/XXXX. Additionally, payment histories present in the XX/XX/XXXX report were absent by XX/XX/XXXX, without explanation. Discrepancies extend to account terms incorrectly listed as {$0.00} per month for 72 months, among other issues outlined in the dispute. 

After an initial dispute led to incomplete information removal, I seek a thorough investigation into these inaccuracies by TransUnion and XXXX XXXX. Removal of information without proper correction or update does not fulfill FCRA mandates, potentially harming my credit standing and complicating identity verification. 

I've sent multiple communications, including a certified mail request on XX/XX/XXXX, confirmed delivered but met with unhelpful responses from TransUnion, suggesting additional hoops instead of actionable resolutions. 

This complaint underscores the need for a detailed investigation into the reported inaccuracies, adherence to FCRA standards by TransUnion and XXXX XXXX, and correction or deletion of inaccurately reported information to ensure my credit report 's integrity.

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 2024-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm very concerned about my credit. I joined Experian Credit Report Protection for {$24.00} a month after an identity fraud on my XXXX XXXX  at XXXX XXXX in 2018 and I always keep my XXXX Credit Agencies Credit Reports Locked and Frozen. Unfortunately, Experian opened up a digital checking account and debit card in my name without my permission ; I discovered this after I started receiving statements and notices to set my PIN on this debit cardand checking account. This is very similar to what XXXX XXXX did to their customers. I have deleted both from the Experian Website and I filed a complaint with XXXX XXXX, the card I use to pay the monthly {$24.00} for Experian 's credit protection services. XXXX XXXX denined this complaint as I was trying to get my {$24.00} back. The CFPB is the only way I found to find a complaint against Experian for this type of fraud against me while paying a monthly service. This is unfair and it should be a crime! Please contact me at XXXX or XXXX to get more information about my complaint against Experian.

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 monetary relief
Consumer complaint received 2024-03-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-03-11 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: MI

Complaint narrative:
Transunion 's reporting an account under XXXX XXXX that have been removed from my XXXX report due to inaccuracy. Despite their removal elsewhere and have shown proof of these inaccurate accounts, Transunion refuses to delete these accounts. This situation breaches the Fair Credit Reporting Act ( FCRA ), specifically violating FCRA Section 611. I am seeking prompt resolution in accordance with this code.

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 2024-03-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
My Name is XXXX XXXX and I am a victim on Identity Fraud. On XX/XX/XXXX, I received an alert on my credit monitoring system about a new collection account. The collection company name is Genesis Credit Management, The original creditor name is XXXX XXXX XXXX and the open balance amount is {$320.00} XXXX XXXX  seems to be an apartment complex in XXXX XXXX Texas. This is the XXXX time in XXXX  months that collection agencies hit my credit with collections of fraudulent origin. Disputing these have become a frequent part of my life. I dont live in XXXX XXXX and never have lived there. I have credit alerts and a frozen credit status on all XXXX bureaus since XX/XX/XXXX, and yet, these apartment complexes dont seem have an effective credit verification standard in place. 

I have spent hours going to the police department to file a police report the first time this situation happened. I am attaching that police report from XXXX and for this case, I am attaching the official complaint filed with the FTC website : identitytheft.gov It is unfortunate that anyone can place a collection on a credit report without proper verification, leaving the identity fraud victim on the verge of a recovery system that takes weeks, sometimes months to be resolved, while the credit remains XXXX points lower and therefore compromised during the process. 

There should be an effective proactive measure to avoid these things from happening, but apparently, only a new Social Security number can solve this problem. But that requires a court order from a judge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-03-11 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: VALLEY NATIONAL BANCORP
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX Auto Financing XX/XX/scrub>XX/XX/2023 This Inquiry is unauthorized and must be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my 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 2024-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I was a victim of fraud by a company by the name of XXXX XXXX XXXX, who fraudulently opened up credit card accounts under my name and my wife XXXX XXXX 's name without our authorization. In fact, she wasn't ever present at the location or ever signed any documents. 
I was convinced to go to a lunch meeting at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, where I was convinced to become a member and enjoy of their discounts on hotels. They used fraudulent tactics to convince new victims, like lying about the discounts and even offering alcohol while giving their presentations. 
At the end of their presentation, they approached and basically forced me to sign a contract where they had me add my wife 's name ss # so she could also enjoy of their supposed benefits. In the contract, I made an initial payment of {$350.00} with a debit card, and installment payments of the same amount every month, but when they tried to charge the whole {$10000.00} to my debit card it declined. So, XXXX XXXX XXXX representatives during their presentation, used my and my wife 's information they had available to fraudulently opened up credit cards with Barclays Bank.

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 2024-03-11 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: TX

Complaint narrative:
Account name : XXXX XXXX NA Account number XXXX Shows balance of {$1100.00}. 

Hi experian team, this account was scheduled to fall off from my report on XX/XX/year>. Kindly verify the attached snip which i have shared which shows fall off date as XX/XX/year>. Further to that i called experian customer service three weeks ago to double verify and they told me it schduled to delete on XX/XX/XXXX th However the account didnt fall off from my report and i see them appearing. when i called the customer service they said its schdueled to delete on XXXX. Hence the request is kindly take a look on the snip i provided which shows clearly as XXXX fall off date and kindly honor what i was told by customer service which is XX/XX/XXXX and delete the entry from my credit report. 

Basically the request is you cant show me something and do something.

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 2024-03-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I believe FCRA 605B mandates the removal of any inaccurate accounts from my credit report. Would you mind reviewing the documents? Some of the listed accounts are not correct, and it's causing me some discomfort.

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