vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-07 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: SC

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX last XXXX of my social are XXXX my date of birth is XX/XX/year>. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX  XXXX XXXX. {$2600.00}, XXXX XXXX  XXXX. {$730.00}, XXXX  XXXX XXXX XXXX. {$4100.00}, XXXX  XXXX XXXX XXXX. {$4300.00}, XXXX XXXX XXXX. {$11000.00}, XXXX XXXX XXXX. {$8800.00}, XXXX XXXX XXXX. {$8900.00}, XXXXXXXX XXXX XXXX {$17000.00}, XXXX XXXX  XXXX XXXX. {$4400.00}, XXXX XXXX XXXX. {$8700.00}, XXXX  XXXX XXXX XXXX XXXX {$20000.00}, XXXX XXXX. {$32000.00}, XXXX XXXX. {$15000.00}, XXXX XXXX XXXX XXXX. {$970.00}, XXXX XXXX XXXXXXXX XXXX. {$980.00}, XXXX XXXX XXXX XXXX. {$5400.00}. 

These accounts have resulted in several fraudulent negative accounts and collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts or collections reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

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 2024-08-07 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely researched. In spite of my endeavors, I still can't seem to get any goal or restorative activity. These incorrect records are seriously harming my credit document and frustrating my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused monstrous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on as quickly as time permits. I sympathetically demand that you direct an exhaustive examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and honesty of my credit document so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be enormously valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I had an unauthorized purchase on my XXXX acct, I call them and they told me to go thru my bank for a refund. 
they also said that they don't have a fraud dept and said there's nothing they can do as they feel it was authorized because it came out of my account, which makes no sense. I never have purchased anything that expensive ever from them. So I called the bank Truist and file a fraud claim. Tried to explain what was going on and that I was never notified of such a big amount on my account as I have set up. Told them that this amount XXXX was not mine and its unauthorized. And that it needs to be refunded as I am a XXXX  and on a limited income. I needed my funds to pay my bills and that this is not my purchase this was a fraudulent one. They denied telling me basically that I was lying and it was authorized. They used the excuse that I had one unauthorized before for a small amount and that this one is part of that even though its months ago. Which is nonsense, I even managed to get the shipping address from XXXX which isn't mine, to give to the bank to check into but they did not. They just said no, they would not refund my money no matter what I said, how insulting and degrading to a XXXX  who lives on a limited income and call me a liar. I need my money back in my account that is all I have to live off of. I need someone help to get this fixed. The bank is very cold and stonewalled me with it all.

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 2024-08-07 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:
I feeXXXX XXXX XXXX XXXX. Ive been consistently ignored with my request to correct inaccuracies from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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: IL

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

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 2024-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
XXXX {$800.00} XXXX Transaction XXXX 
I was trying to put a deposit for a puppy. I bank at TD bank. The seller XXXX XXXX XXXX asked me to send the money zelle. Within an hour i began to get contacted by XXXX XXXX XXXX XXXX XXXX who wanted me to send more money for transport. I contacted TD bank the same day and they told me XXXX is instant and im out of luck with getting my money back. I also called XXXX directly and they said go to your bank. 

I did log a complaint with the Federal bureau of investigation. Internet XXXX- i never heard anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute 3 unauthorized hard inquiries on my credit report, as reflected in my recent credit report from TransUnion. Under the Fair Credit Reporting Act ( FCRA ), particularly Section 604, permissible purposes for accessing a consumer 's credit report are strictly outlined, and I have not authorized any entity to conduct a hard inquiry for credit purposes on XX/XX/XXXX ( XXXX  XXXX XXXX  ), XX/XX/XXXX ( XXXX XXXX XXXX XX/XX/XXXX ( XXXXXXXX XXXX ). These unauthorized inquiries are negatively impacting my credit score and financial reputation. I respectfully request that this matter be investigated promptly, and the unauthorized inquiries be removed from my credit report. I appreciate your assistance in ensuring compliance with FCRA regulations and protecting consumers ' rights. 

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 2024-08-07 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: NJ

Complaint narrative:
I am writing to file a formal complaint regarding the ongoing issues I have encountered with the credit bureaus, specifically Experian and XXXX. Despite submitting my disputes with complete and accurate ID verification as instructed, I have repeatedly received letters from both bureaus stating that my dispute letters do not appear to be sent by me or authorized by me, and therefore they refuse to investigate my claims. 

This refusal to open my disputes is not only frustrating but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ). According to Section 611 of the FCRA, consumers have the right to dispute inaccurate or incomplete information in their credit reports, and credit reporting agencies are required to investigate these disputes. The actions of Experian and XXXX in refusing to open my disputes despite proper verification obstruct my ability to correct inaccuracies on 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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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:
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) i have attached copies of my id

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: NC

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-08-07 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: AL

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-08-07 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: GA

Complaint narrative:
I NEVER GAVE CONSENT for my personal information regarding my past whereabouts to be public information that can be used by scammers and thieves. Only have my XXXX current address showing on credit report or consumer report as its my right to privacy

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 2024-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I previously filed a complaint with this CFPB about Capital One when it violated its credit card agreement by charging interest during a month when I paid the entire balance. In XX/XX/2023 the company responded to CFPB that it needed more time but responded to me only by raising my credit limit, which I had not requested. 
Since XX/XX/2023, my only income has been $ XXXX stipend to work full-time for a not-for-profit organization. I used credit for necessary expenses and am now over the limit. The minimum payment the company is demanding is more than $ XXXX. I continued to make minimum payment for many months when the money was critically needed elsewhere. I was unable to pay auto insurance due XX/XX/XXXX and am therefore in jeopardy of losing the $ XXXX stipend and having no income and way to eat. 
I tried to contact Capital One to request a payment plan rather than be forced into personal bankruptcy and have found there is no way to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: CORELOGIC INC
State: FL

Complaint narrative:
I am a victim of identity theft and the unauthorized inquiries reporting continue to damage my credit reputation and I am refiling this complaint to CORELOGIC CREDCO LLC. I am writing to appeal that you block the non authorized information from my credit report. The FTC report number related with this complaint is XXXX including the unauthorized inquiry. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.

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 2024-08-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: AL

Complaint narrative:
I submitted disputes for unauthorize transactions on my account. My disputes were immediately ( within 30 minutes, not enough time to even read the documentation I provided ) and my account was permanently closed. Further, I am banned from ever having another cashapp account. I have asked support numerous times for information on how I can appeal these decisions and I received an automated response that the decisions were final and I could not appeal any decisions. Even when I requested to use the binding arbitration clause in their XXXX  to have a third party review, my request was denied without any explanation or recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have an account with XXXX XXXX and LVNV Funding LLC is illegally trying to collect on a debt that is covered by the arbitration clause in my loan agreement. 

In violation of the FDCPA, LVNV has posted the collection account on my credit reports.

Company response to consumer: Closed with explanation