vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-22 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: OH

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter.

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process.

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report.

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record.

Thank you once again for your assistance.

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 2024-12-22 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:
Recently, I did an investigatio

n on my credit report and found several items on there to be inaccurate. Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2024-12-22 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:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2024-12-22 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: FL

Complaint narrative:
I did not open these accounts nor did I approve anything from XXXX XXXX XXXX ACCOUNT XXXX AMOUNT {$XXXX} I have never been to this place of business. I HAVE EXCELLENT CREDIT FOR XXXX  YEARS IM XXXX YEARS OLD. THIS CREDIT CALLED ME AND TRICK ME TO SEND THEM {$XXXX}. I HAVE MANY XXXX  ACCOUNTS FOR MANY YEARS AND NEVER MISSED XXXX PAYMENT. THIS IS TAKING ADVANTAGE OF A ELDERLY PERSON BY CONFUSING ME TO SEND THEM MONEY FOR A ACCOUNT THAT IS NOT MINE. 


I received paperwork of myself taking over a lease from a person I have never met or know. They sent a contract with a signature not mine. I am XXXX XXXX XXXX and have lived in only XXXX places the last XXXX  years. XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I have not missed a mortgage payment in XXXX  years. This is fraud PROFESSIONAL DEBT ME ACCT XXXX AMOUNT {$XXXX} is the company trying collect and take advantage of an elderly person by tricking me on the phone. I HAVE NEVER LIVED OR BEEN TO THIS BUSINESS. 


MY XXXX XXXX IS XXXX I TAKE PRIDE IN PAYING MY BILLS LIKE A GOOD PERSON. THIS IS NOT OK TODO TO SOMEONE.

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 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not open these accounts nor did I approve anything from XXXX  XXXX XXXX ACCOUNT XXXX AMOUNT {$XXXX} I have never been to this place of business. I HAVE EXCELLENT CREDIT FOR 50 YEARS IM XXXX YEARS OLD. THIS CREDIT CALLED ME AND TRICK ME TO SEND THEM {$XXXX}. I HAVE MANY SYNCHRONY ACCOUNTS FOR MANY YEARS AND NEVER MISSED XXXX PAYMENT. THIS IS TAKING ADVANTAGE OF A ELDERLY PERSON BY CONFUSING ME TO SEND THEM MONEY FOR A ACCOUNT THAT IS NOT MINE. 


I received paperwork of myself taking over a lease from a person I have never met or know. They sent a contract with a signature not mine. I am XXXX years old and have lived in only XXXX places the last XXXX  years. XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX I have not missed a mortgage payment in XXXX  years. This is fraud PROFESSIONAL DEBT ME ACCT XXXX AMOUNT {$XXXX} is the company trying collect and take advantage of an elderly person by tricking me on the phone. I HAVE NEVER LIVED OR BEEN TO THIS BUSINESS. 


MY XXXX XXXX IS XXXX I TAKE PRIDE IN PAYING MY BILLS LIKE A GOOD PERSON. THIS IS NOT OK TODO TO SOMEONE.

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 2024-12-22 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:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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: OH

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report.

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items.

The identity of the entity or entities responsible for conducting the verification process.

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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 2024-12-22 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: OH

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report.

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items.

The identity of the entity or entities responsible for conducting the verification process.

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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 2024-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McNeil & Meyers Asset Management Group, LLC
State: CA

Complaint narrative:
I received a collection alert on my credit profile I immediately reached out to the company explain no mine and requested all info they said would send immediately they bought it from a company to this day I have received nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I WAS THE VI

CTIM OF IDENTITY THEFT. I HAVE FILED A POLICE REPORT AND SENT EACH CREDITOR ON MY CREDIT REPORT A REQUEST FOR PROOF OF OWNERSHIP. I DIDN'T OPEN THESE ACCOUNTS THIS IS PREDATORY. BELOW ARE THE ACCOUNTS THAT ARE FRAUD KICKOFF LENDING LLC ACCT # XXXX AMOUNT {$XXXX} XXXX  XXXX XXXX XXXX ACCT : XXXX AMOUNT {$XXXX} XXXX  XXXX BANK ACCOUNT : XXXX AMOUNT {$XXXX} XXXX BANK ACCOUNT : XXXX AMOUNT {$XXXX} XXXX XXXX ACCOUNT XXXX AMOUNT {$XXXX} I HAVE ATTACHED A COPY OF MY POLICE REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I WAS THE VICTIM OF IDENTITY THEFT. I HAVE FILED A POLICE REPORT AND SENT EACH CREDITOR ON MY CREDIT REPORT A REQUEST FOR PROOF OF OWNERSHIP. I DIDN'T OPEN THESE ACCOUNTS THIS IS PREDATORY. 

BELOW ARE THE ACCOUNTS THAT ARE FRAUD KICKOFF LENDING LLC ACCT # XXXX AMOUNT {$XXXX} XXXX XXXX XXXX XXXX ACCT : XXXX AMOUNT {$XXXX} XXXX XXXX BANK ACCOUNT : XXXX AMOUNT {$XXXX} XXXX BANK ACCOUNT : XXXX AMOUNT {$XXXX} XXXX XXXX ACCOUNT XXXX AMOUNT {$XXXX} I HAVE ATTACHED A COPY OF MY POLICE 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 2024-12-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with Experian XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.

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 2024-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

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 2024-12-22 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: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
Case number XXXX shows that my card ending XXXX, which was canceled on XX/XX/XXXX, was used on XX/XX/XXXX, and you put through this charge. How can you allow that? 

Furthermore, you sent me a card ending in XXXX, which I called to cancel after seeing this charge on XX/XX/XXXX. I asked you to freeze my account and not send me a new credit card. How, then, did someone have my new card number ( which I don't have ) and charge an amount to XXXX XXXX on XX/XX/XXXX ( which you declined )? 

Is the above not enough evidence to show that I had, and still have, fraud happening with my cards, and therefore, you should use this as a reason to reopen case number XXXX ( which I know you denied twice )? I know you told me that a card was present with all the charges in this case. You also know that fraud is happening even when your system shows that the card is present. Why then are you not willing to reconsider this case? 

Lastly, with regards to the charge to XXXX, which you texted me on XX/XX/XXXX at XXXX to report as suspicious, and I replied that it was fraud ( {$XXXX} & {$XXXX} ). Your customer service department tells me it belongs to a clothing business at XXXX XXXX XXXX in XXXX, but they don't have a phone number. The address is to a building with more than XXXX floors. The name of this business isn't shown in the building directory. Doesn't this alone sound suspicious enough to you in order to reconsider this case as 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 monetary relief
Consumer complaint received 2024-12-22 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: NJ

Complaint narrative:
I purchased XXXX Amex virtual gift cards for {$XXXX} each in XX/XX/year>. These prepaid cards have proven to be too difficult to use, because it gets declined almost everywhere, making the card pretty much useless. I've had it get declined when trying to purchase at : XXXX XXXX XXXX app XXXX Also if you try to add it to your XXXX wallet, it won't work, because the {$XXXX} test charge that XXXX sends will get declined. 

I called Amex customer support and they were unhelpful, telling me to use it at merchants that collect the card security code and expiration date. But I was already doing that! The customer support was unable to provide me a resolution, even though I asked them to authorize the transaction ( they just repeated to me the line about card security code and exp date ). The customer support was also hard to understand because Amex outsourced to a foreign country with a heavy accent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Collection Management. Inc
State: MO

Complaint narrative:
On XX/XX/XXXX around XXXX pm. I went to consumer collections after finding a report of collections on my credit report. I called someone answer and gave me the run down of the collection. I presumed to tell them the document is fraud because I paid to break my lease and all due balances were paid to the original property. Specifically to XXXX XXXX who no longer works for them because of said fraud and new management. ( Information given by the desk workers at XXXX XXXX ) How ironic, anywho I went to XXXX XXXX who would be the original debt collector. XXXX XXXX Informed me they could not find me in the system showing anything about me owing. That brings me back to Consumer Collection. I tried providing proof showing I didnt live there during the time the fake charges were placed. Customer service rep informed me she didnt know how I could show the proof very uneducated in her department but its okay! I was NEVER sent notice to my home address which was given to XXXX XXXX upon move out so if I owed why wasnt I sent any information to my current address stating that. I was given a stack of papers that not XXXX had my signature on, just initials! Also a pic of my ID from the time I did live there because you have to submit you ID on a rental application which the XXXX is from. I went to XXXX XXXX who said they didn't have any record that l owed so it was nothing they could do! So I called the number listed on my paper CONSUMER COLLECTION gave and it's disconnected! I've asked for proof that I owe with my signature written and not my initials that anyone could've written bc i always sign my name. So please give me the number you all are using to call them saying I owe because I went down there and I don't owe. AND i need VALID PROOF I OWE. I tried to give the person proof and they said they didn't know what to do with it ( Giving the run around ). 
NEVER ONCE RECIEVED a notice or anything to my home which XXXX XXXX was given the address upon move out so you all should have it CORRECT? NEVER ONCE RECEIVED a notice or anything to my home which XXXX XXXX was given the address upon move out so you all should have it CORRECT? No notice and Upon arriving at bella vista yesterday they said they have no record of me living there and I don't owe under their new management so valid proof needed! 
And the correct contact for the original debt collector is needed AS WELL! XXXX be happy to get this resolved with proper business hours listed and phones numbers because its hard to even catch CONSUMER COLLECTIONS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
To Whom It May Concern, Account # XXXX This letter serves as a formal Notice of Dispute and Pre-Arbitration Demand regarding the alleged debt you claim I owe. Since you purchased this alleged debt from XXXX, you are subject to the arbitration agreement included in the original XXXX agreement. 

I am well aware that initiating arbitration under this agreement will cost your company thousands of dollars. Additionally, I understand that this alleged debt was likely purchased for pennies on the dollar. Given these circumstances, I am extending you an opportunity to resolve this matter amicably. 

Settlement Offer : I demand a payment of {$XXXX} as compensation for the XXXX, emotional distress, and financial hardship this alleged debt has caused me. 
You must delete this tradeline from all credit reporting agencies and any other parties to whom it has been reported.

Documentation Request : To validate your claim, you must provide the following : 1. The chain of assignment or title of the debt, showing how and when you acquired it.

2. The date of first delinquency.

3. The amount of my last payment and supporting records.

If you fail to provide this information, it will constitute a violation of the Fair Credit Reporting Act ( FCRA ) and demonstrate that your reporting is inaccurate. 

Please be aware that if this matter escalates to arbitration, I am fully prepared to proceed, understanding that the initiation fees alone will cost your company over {$XXXX}. 

You have 14 days from the receipt of this letter to respond with the requested documentation and confirm whether you accept this settlement offer. Failure to respond appropriately within the specified time frame will leave me no choice but to initiate arbitration and pursue all legal remedies available to me. 

This letter is not a waiver of any rights under federal or state law. I urge you to take this opportunity to resolve this matter efficiently and avoid further financial and reputational consequences.

Company response to consumer: Closed with non-monetary relief