vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 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:
My privacy rights are safeguarded by laws established by Congress to protect consumers. Allowing unauthorized access to my financial data not only violates federal laws but also infringes on my constitutional rights, resulting in significant harm and distress.

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 2024-12-06 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
On my credit report Ally Financial has a repo charged to my report as a charge off I have received no 1099C so that I may report it as income meaning while they got a tax break and are still trying to hold me accountable for the remaining balance I feel this should be removed from my credit report Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: VA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: MD

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

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 2024-12-06 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: SC

Complaint narrative:
I am a victim of XXXX XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-12-06 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: MO

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: SC

Complaint narrative:
I am a victim of XXXX XXXX of XXXX bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
In pursuant to 15 USC 1692c Capital One has violated my rights. 
Please see attached Request Letter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: FL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX  California sent me a cancelation notice as of a specific date and time and then continue to bill me after the cancelation date? 

I was unable to pay by the cancellation date and my insurance was cancelled and they continue to bill me after the said cancellation date and I never used any insurance service through them because they said I was cancelled

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: UT

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 2024-12-06 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: CA

Complaint narrative:
I am shocked to find unauthorized information included in my credit report. This blatant error is unacceptable and has caused unnecessary harm to my credit score.

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX Acct- reporting with XXXX XXXX Equifax differently, Date of XXXX  deliquency is missing and being reported differently amongst the XXXX XXXX  equifax and XXXX. 



Dept of Education - - reporting with XXXX XXXX Equifax differently, Date of XXXX deliquency is missing and being reported differently amongst the XXXX experian equifax and transunion. 

Dept of Education - - reporting with XXXX XXXX Equifax differently, Date of XXXX  deliquency is missing and being reported differently amongst the XXXX XXXX  equifax and XXXX. 

XXXX - - reporting with XXXX XXXX Equifax differently, Date of XXXX  deliquency is missing and being reported differently amongst the XXXX XXXX  equifax and XXXX. 

XXXX - - reporting with XXXX XXXX Equifax differently, Date of XXXX  deliquency is missing and being reported differently amongst the XXXX XXXX  equifax and XXXX. 

XXXX - - reporting with XXXX XXXX Equifax differently, Date of XXXX  deliquency is missing and being reported differently amongst the XXXX XXXX  equifax and XXXX. 

XXXX - XXXX reporting with XXXX XXXX Equifax differently, Date of XXXX  deliquency is missing and being reported differently amongst the XXXX XXXX  equifax and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: AZ

Complaint narrative:
On XXXX  I sent XXXX, XXXX, and Transunion a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked 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 2024-12-06 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Consumer Dispute Center XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX RE : Dispute of Hard Inquiry To Whom It May Concern, I am writing to dispute a hard inquiry listed on my credit report. The inquiry in question was made by XXXX on XX/XX/XXXXXXXX I believe this inquiry is inaccurate for the following reason ( s ) : I did not apply for credit. I did not authorize the inquiry. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this inquiry and remove it from my credit report if it is found to be inaccurate or unauthorized. Please send me written confirmation of your findings and any updates made to 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 2024-12-06 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: GA

Complaint narrative:
I am writing this letter in hopes to have these items deleted from my file. The report mentions items i need deleted. As i am a vitctim of identity theft and didnt make the charge. Please delete these items to correct my credit report. The federal Trade Commission has been made aware of the theft of my identity. i have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete items as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-12-06 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: IA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

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 2024-12-06 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: FL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
I am filing this complaint regarding TD Banks handling of a fraud claim associated with my debit card account. Specifically, TD Bank denied my dispute of an unauthorized transaction despite substantial evidence provided. 

The details of the disputed transaction are as follows : Case Number : XXXX Post Date : XX/XX/2024 Amount : {$190.00} Merchant Name : XXXXXXXX XXXX  This transaction was not made or authorized by me. I provided TD Bank with evidence, including : - Proof that the shipping address was altered after the order was placed. 

- Documentation showing that the order was delivered to an unauthorized address and received by someone other than me. 

This transaction was part of a group of nine fraudulent transactions on my account over a two-week period in XX/XX/2024. TD Bank initially denied two claims for all nine transactions. On my third attempt, the bank approved reimbursement for eight of the nine fraudulent transactions but denied this one. The denied transaction shares similar fraudulent characteristics as the others. 

Additionally, at no point during the banks investigation of these claims did anyone contact me to ask questions or request additional information. This lack of communication prevented me from clarifying the circumstances or providing further evidence that could have supported my claims. 

I also believe TD Banks fraud detection systems should have flagged several of these transactions as potential fraud. These purchases were made at merchants I have never patronized before, and some were for significant amounts of money. The banks failure to identify these as suspicious contributed to my account being compromised. 

I have been a loyal TD Bank customer for nearly 30 years and have always trusted the bank to safeguard my account. This experience has left me disappointed and questioning the reliability of TD Banks fraud protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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 am writing to request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and these accounts and inquiries are not mine. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of these items from my credit report. 
Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$610.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} Fraudulent Inquiry : XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: CA

Complaint narrative:
I am writing to request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and these accounts and inquiries are not mine. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of these items from my credit report. 
Fraudulent Accounts : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$0.00} Fraudulent Inquiry : NOWCOM/WILSHIRE COMMER - 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 explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cornerstone Holdings, Inc.
State: AK

Complaint narrative:
I disputed against any amounts due and owing to collection agency. I previously paid the XXXX underlying debts in full and provided proof of said payment to the collection agency. I disputed by letter on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I received no response. My lawyer sent a letter on XX/XX/XXXX and also received no response from the collection agency. The collection agency has provided no documentation authorizing an interest charge. My original debt invoice lacks any reference to interest as well as I never signed anything allowing for interest. The collection agency is trying to charge {$590.00} in interest. The collection agency is engaging in unfair and deceptive acts such as adding a collection fee which was not agreed to in writing nor verbal. Lack of documentation regarding the interest is a violation of the Fair Debt Collection Practices act and per se violation of the Alaska XXXX XXXX XXXX. In addition, the collection agency continues to violate my rights by providing false information to the three credit bureaus.

Company response to consumer: Closed with explanation