vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 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: KS

Complaint narrative:
In XX/XX/XXXX I entered into an agreement with XXXX XXXXXXXX auto  on a vehicle lease. I completed the loan agreement in XX/XX/XXXX. I always made on time payments and they were in fact on auto-pay. I recently checked my credit report back in XXXX and i noticed that TransUnion had completely jacked up my Auto Payments with XXXX  XXXX. There were messed up and inaccurate which really caused my credit score to drop. I had no clue that they were reporting me late, and why i was getting denied credit applications a few years back. I immediately sent them some mail telling them that the late payments were a mistake but they ignored me. I don't understand how a company can repot inaccurate information, and hurt my ability to obtain credit without any repercussions. This is clearly a violation and a billing error/mistake on TransUnion part, but they refuse to remove the late payments, or even acknowledge my request for accuracy. And even worse they were reporting these inaccuracies over the Covid-19 Pandemic.

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 2024-02-22 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:
There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-02-22 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: CA

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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 2024-02-22 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: TN

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: NM

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 non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
They continue to place this account in collection from 20 years ago by marking it a current debt. It was disputed and removed 20 years ago and not they are trying to resurrect the same debt 20 years later. Debt is way older than 7 years. They are violating the law and should be fined.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington , DC XXXX ref : Removed Accounts from Equifax Credit Report Dear Sir/Madam , I am writing to formally request your assistance in addressing an issue I have encountered with my Equifax credit report. Upon reviewing my most recent credit file, I noticed that several accounts and tradelines have been erroneously removed, which has adversely affected my credit score. These accounts have been managed responsibly and should be accurately reflected in my credit history. 

The details of the removed accounts are as follows : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX & Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXXXXXX XXXX XXXX Account Number : XXXX I have attached copies of my credit report dated XX/XX/XXXX prior to the removal of these accounts on for your reference. These documents clearly demonstrate the existence and good standing of the mentioned accounts and tradelines. 

The removal of these accounts from my Equifax credit file has not only inaccurately represented my creditworthiness but also unjustly lowered my credit score. This has potential ramifications for my future financial endeavors, including but not limited to obtaining loans, credit approvals, and favorable interest rates. 

Therefore, I respectfully request the Consumer Financial Protection Bureau to intervene on my behalf and facilitate the reinstatement of the aforementioned accounts and tradelines on my Equifax credit file. Your prompt attention to and resolution of this matter would be greatly appreciated. 

Should you require any additional information or documentation to assist with this request, please do not hesitate to contact me at XXXX or via email at XXXX. 

Thank you for your time and consideration. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: VA

Complaint narrative:
In XX/XX/XXXX I review my credit report and noticed inaccurate information on my report. I disputed the information with the credit bureau and it came back as verified. 
The last status update date shows as XX/XX/XXXX and that is inaccurate and incomplete information. It also has another late payment of 30 days that XXXX  is not even aware that is being reported.

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 2024-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I received a phone call on XX/XX/2024 from Columbua Debt Recovery LLC DBA Genesis. I told the representative on the phone that I would deal with this matter only by mail. I still have yet to receive anything by mail from them. I have nothing in formal writing claiming it's my debt and they just called again on XX/XX/2024. I sent them to voice mail and they left a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have contacted XXXX, XXXX, XXXX and Best Buy/CBNA about inaccurate information on my report. The agencies have stated that the results from the investigation are verified as accurate. Which is not correct. I have sent an opt notice to best buy and they continued to report information and inaccurate information to the credit agency which violates 15 usc 6802 and 15 usc 6805 Enforcement. 16 cfr 313.7 has been violated as well. I have been disputing this with XXXX since XXXX and since XXXX XXXX. The most recent dispute with XXXX was XX/XX/XXXX. The Privacy act of 1974 has been violated. I reached out several times to these agencies and business and they continue to violate me. The law also states its illegal to report transaction history.

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 2024-02-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frontline Asset Strategies, LLC
State: IA

Complaint narrative:
I sent a debt verification letter on XXXX to the mailing address of Frontline Asset Strategies. However I never received a response, and they are now in violation of FDCPA laws for not providing verification of the debt within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Iowa XXXX Re : Complaint against TRANSWORLD SYSTEMS for Violation of Consumer Laws Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSWORLD SYSTEMS for alleged violations of consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws. 

1. **Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : ** TRANSWORLD SYSTEMS has not provided validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection on my consumer report. This action is in direct violation of consumer rights. 

2. **Denial of Opportunity to Dispute Account ( 12 CFR 1006.34 ( c ) ( 4 ) ) : ** I have not been given an opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ). This denies me the right to verify the accuracy of the information being reported. 

3. **Use of False, Misleading, and Deceptive Means : ** TRANSWORLD SYSTEMS is allegedly using false, misleading, misrepresentative, and deceptive means in its collection practices. Such actions are in clear violation of consumer rights. 

4. **Furnishing Information Without Disclosures ( 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) ) : ** The collection agency has no authority to furnish any account to a consumer reporting agency without providing all disclosures required by law. This constitutes a violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). 

5. **Revocation of Communication Rights : ** I dispute all debts claimed by TRANSWORLD SYSTEMS, and I am hereby revoking all rights for them to communicate with me. Any contact after this complaint is filed will be a violation of 15 USC 1692K FDCPA, and they will be liable for {$1000.00} for each violation. 

6. **Request for Purchase Agreement and Proof of Licensing : ** I request TRANSWORLD SYSTEMS to provide the purchase agreement between XXXX XXXX XXXX and the original collector. Additionally, I am requesting proof of licensing and bonding to ensure compliance with applicable laws. 

I kindly request the Consumer Financial Protection Bureau to investigate these alleged violations promptly and take appropriate action against TRANSWORLD SYSTEMS. I appreciate your attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: IL

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MD

Complaint narrative:
On XX/XX/XXXX, a payment of {$10000.00} was initiated to Edfinancial from my bank account. Although the deduction was made two days later, only {$8400.00} was credited to my account. However, as of now, more than three months later, the remaining balance has yet to be applied. Furthermore, a separate payment of {$2300.00} was made on XX/XX/XXXX, but it has not been credited to my account either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: TN

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

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 2024-02-22 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: CA

Complaint narrative:
I found wrong information in my credit report. 
XXXX XXXX XXXX XXXX  opened credit account on my name in XXXX  for XXXX $ I never opened it. The Bank just used my identity illegally. I called to this Bank and found out that this bank doesnt exist. No answer, my friend went to the address they gave online and didnt find them. 
I hired XXXX XXXXXXXX XXXX agency to help me to resolve this and they couldnt. Then I wrote letters to Experian and gave them explanations and police report about identity theft and they didnt delete it. I had dispute with no result. Please, help

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ZIONS BANCORPORATION
State: CA

Complaint narrative:
California Bank and Trust is reporting inaccurate information on my credit reports which I have disputed with XXXX, XXXX, and XXXX and have been doing so for months now. This negligence on their part has caused me to be denied for federal employment.

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 2024-02-22 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: NM

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 explanation
Consumer complaint received 2024-02-22 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.

Complaint narrative:
While checking my credit score, showing missed payment of XXXX XXXX of XXXX, as I already paid my gas bill of XXXX in XX/XX/year> on time as XXXX XXXX moved to new billing system but in credit agencies XXXX, TransUnion, XXXX credit report, showing missed or late payment that ruining my credit history and score .I already raised complaints and dispute for correction of my correct information as I never missed any payment.

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 2024-02-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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 explanation
Consumer complaint received 2024-02-22 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: NV

Complaint narrative:
I am victim of identity theft as result of my purse being stolen with my SSN & Bank cards and other personal information. I need to have my credit report updated to remove the fraudulent accounts and old addresses that were used to open fraudulent accounts. I have filed a complaint with the FTC for the 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 2024-02-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these is the inquiry : XXXX  - XX/XX/2022

Company response to consumer: Closed with non-monetary relief