vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-24 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: TX

Complaint narrative:
Please delete this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the documents supporting 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 explanation
Consumer complaint received 2024-12-24 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 DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME ANXIETY AND I WON'T ALOW IT.

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 2024-12-24 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: TX

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 explanation
Consumer complaint received 2024-12-24 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:
Good day! I am reaching out to highlight some accounts in my credit report that are concerning that need investigation to get a lawful solution. I want to bring forward the account I found in my credit report that is inaccurate and inconsistent. Looking into my credit report I've identified some accounts that is violating the Fair Credit Reporting Act ( FCRA ), these violations are detailed as follows : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Please provide correct evidence that I was late to this account, in compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ). If you're unable to provide the required evidence needed, you can not deem payment as late, which also constitutes a violation of section 15 USC 1681s-2. I request that you update the account mentioned as PAID OR PAID AS AGREED.

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 2024-12-24 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: MO

Complaint narrative:
I noticed discrepancies in my credit report regarding late payments. These errors do not align with my usual payment record. Kindly fix these mistakes and update my account details.

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 2024-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have discovered accounts on my credit report that are incorrect and unauthorized. Please take immediate steps to block and delete these fraudulent 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 2024-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/year> I received a deposit for my sons XXXX XXXX, he is an XXXX XXXX however is still a XXXX I had no issues with my account until XX/XX/year> when I went to make a purchase in my account and could not. I contacted Citi to find out what was the issue and I was told that my account was on hold for a fraudulent transaction. I questioned what transaction that was fraudulent and they proceeded to let me know it was something from early XXXX which at the time was 33 days prior. But I was told that I had to wait to find out so 2 days go by to find out that my sons XXXX XXXX was XXXX of the issues and I said that was over a month ago why is it becoming an issue now, i was then told that it was my XXXX XXXX  and that i needed to add me to the account which was already my account and i needed to add my son to the account and they froze my account then made me wait days to send me the paperwork that they said i was needing. The paperwork was requesting my son to be added to the account which was against Citibank policy because he is a minor and I also couldnt get the papers notatized due to him being a XXXX. I begged an pleaded that i needed my funds because i had to get XXXX XXXX XXXX XXXX. This went on well into the month to where i have recordings where the agents were hanging up in my face, refusing to assist me and i went weeks unable to get the medication I needed and I had to borrow money to keep my lights from being turned off and i didnt have money for food and the every day necessities. I contacted the Citi XXXX response unit an was talked to really rude to me and saying yes it is against company policy to add a minor as a signer but i have to wait until they decide to close my account. I sent Citi XXXX department a demand letter and it went un responded to. I am at a loss i didnt get my money and I am having several hardships. I also want to add that I had moved back in XXXX and reported my new address and instead of my letters on this matter coming to my new address which is on file since i received a new debit card, but they sent all of the correspondences to an old address so that I would not receive the notices.

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 2024-12-24 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report. I noticed I had fradulant accounts on my 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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
After reviewing my latest credit report, I discovered several accounts that appear to have been added without my authorization. I request their immediate removal as they are fraudulent.

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 2024-12-24 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
My credit didn't improved and the same problems are there.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit report inaccurately lists hard inquiries that were not authorized by me, violating 15 USC 16c-2. I request their immediate removal.

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 2024-12-24 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 submitted a request for deletion, explaining that I was a victim of identity theft on XX/XX/year> with my ftc report and supporting documents. I have yet to receive any information or have these accounts deleted. It has been well over the allotted time for a response.

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 2024-12-24 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: PA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-24 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
There are errors on my credit report concerning 15 USC 16c-2. I did not authorize the listed inquiries, and this inaccurate information negatively impacts my credit. Kindly remove all unauthorized hard inquiries.

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 2024-12-24 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: NY

Complaint narrative:
Im writing today to voice a concern about an issue which the credit bureau has not complied with. The following accounts are in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the items nor done any level of investigation to support their position. I need these accounts removed due to the rules of estoppel. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: FL

Complaint narrative:
Good day! I am reaching out to highlight some accounts in my credit report that are concerning that need investigation to get a lawful solution. I want to bring forward the account I found in my credit report that is inaccurate and inconsistent. Looking into my credit report I've identified some accounts that is violating the Fair Credit Reporting Act ( FCRA ), these violations are detailed as follows : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Please provide correct evidence that I was late to this account, in compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ). If you're unable to provide the required evidence needed, you can not deem payment as late, which also constitutes a violation of section 15 USC 1681s-2. I request that you update the account mentioned as PAID OR PAID AS AGREED.

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 2024-12-24 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:
Good day! I am reaching out to highlight some accounts in my credit report that are concerning that need investigation to get a lawful solution. I want to bring forward the account I found in my credit report that is inaccurate and inconsistent. Looking into my credit report I've identified some accounts that is violating the Fair Credit Reporting Act ( FCRA ), these violations are detailed as follows : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Please provide correct evidence that I was late to this account, in compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ). If you're unable to provide the required evidence needed, you can not deem payment as late, which also constitutes a violation of section 15 USC 1681s-2. I request that you update the account mentioned as PAID OR PAID AS AGREED.

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 2024-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I woke up to a voicemail from my TD banks NA, on XXXX XX/XX/2024 about my ATM card being used for several transactions 4 transactions were processed and the rest were denied. I immediately called the bank and asked them that that was not me. They mentioned that I can not dispute the transactions unless they are posted. I waited two days and then filed the claim and told them all the details. I never used my card for cash withdrawals or in supper markets. And the two transactions was of super markets and two for atm withdraws, I am ready to share all my statements to prove that. 

I found out that from a customer services agent that one of my TD atm card was mailed to my address in Virginia knowing that I have already changed my address in their records, they also said that the auto renewal system sometimes doesnt update the address. I suspect that might have caused the compromise of my card. 

I really am lost. What to do to prove to them that it was a total failure of their security that they promise when you open an account with them. They always show that they are FDIC insured but it seems that they are just selling their products. I will really appreciate your help in this regard.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-24 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: AZ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-12-24 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: DISCOVER BANK
State: TX

Complaint narrative:
Heres your revised text with improved structure and spacing for clarity while keeping the original intent intact : Please note that the FDCPA has been violated by mischaracterizing this alleged debt in your attempts to collect. 

In your previously derelict letter ( which I presume was your attempt to validate the debt ), you referenced a loan balance, when in fact the laws governing the alleged contract clearly categorize this as a credit sale. No loan has taken place between any parties involved in the alleged agreement. The alleged debtor is not a borrower, nor have they been loaned any goods or advanced any money by the alleged creditor. 

Your reporting is not only deceptively misleading, but it is also substantially absent of requisite : Conditional verifiability Validity ( as related to document evidence supporting physical proof of truth, correctness, and completeness of the claim ) Certifiability ( e.g., compliance with XXXX XXXX Format ). 
Per my state 's applicable reporting and/or collection laws, as well as federal standards, no derelict claim may be retained, much less reported. I therefore demand that you REMOVE FROM REPORTING this claim of repossession immediately. 

Any furtherance of this action will be assumed to constitute your willful disregard of reporting requisites and may be considered intentional harassment or even extortion under the threat of financial injury.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: PA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-12-24 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX XXXX Chase Bank fraud protection team called my partner about two separate transactions on my debit card. I went ahead and took the phone from my partner, and told the fraud team XXXX dont recognize the {$1500.00} transaction on XXXX XXXX to XXXX and {$940.00} from XXXX XXXX XXXX to XXXX as well to the same individual. The fraud team went ahead and contacted the merchant while I was on the phone and canceled the transactions. After he filed a claim on my behalf, and closed my debit card so no more transactions could go through. On XX/XX/year> the transactions on XXXX was attempted again three times but, my card was canceled so it declined. I went ahead to call Chase Bank again to let them know I didnt make the two transactions I mentioned above and they credited back my account. In advance, Chase sent me a secure message on XX/XX/XXXX, that theyre going to reverse my fraudulent transactions because information they got from the merchant XXXX XXXXXXXX XXXX I logged into my Chase app on XX/XX/XXXX, and my {$940.00} was reverse due to the letter they sent me that I didnt even notice until that date. I called the bank to ask why and they told me that the merchant had so called proof I was the one who made the transaction. I battled with them for around thirty minutes and then hung up and went ahead to call XXXX XXXX. They recognized my name because the hacker or whoever made the transaction made it under my name. I told them I didnt make that transaction and they kept asking me for a tracking number. I went ahead to let them know how would I know the tracking number when I wasnt the one who made the transaction? I asked them if they can give the location of where the transaction was made they told me due to security purposes they wouldnt be able to release the information without a police involved. I went ahead to file a claim with XXXX XXXX and calling the police to make a report. Chase Bank and XXXX XXXX is at fault because there supposed to check identification before any money can be send out of persons account I would like this to be investigated.

Company response to consumer: Closed with explanation