vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-20 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: FL

Complaint narrative:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES TRANSUNION, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED XXXX XXXX XXXX, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX, XXXX AND XXXX XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.

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 2024-02-20 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: FL

Complaint narrative:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXXXXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX, XXXX AND XXXX XXXX  WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: OH

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information that is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. items XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX {$37.00} XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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: OH

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information that is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. items XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX {$37.00} XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: January Technologies, Inc
State: TN

Complaint narrative:
I am writing this email in order to address a serious concern that has been hovering unnecessarily over my financial standing for quite some time now. I find it incredibly disquieting that I have to do sopointing out the lacking professionalism and due diligence in handling what is most certainly a glaring mistake on your end. 

There seems to be a heinous misunderstanding that an outstanding debt under my name linked to a loan account with XXXX XXXX is mine, where in actuality, such is simply not the case. The constant harassment and communication from your end regarding this erroneous debt is not only a breach of fair practices, but is also flagrantly offensive. 

I implore you to provide me with the necessary documents that unequivocally demonstrate my involvement with opening a loan at XXXX XXXX. The burden of proof rests squarely on your shoulders, as you are the ones who decided to mar my financial health with an unfounded claim. 

It is crucial to your understanding that I am not a resident of XXXX anymorea fact I have proof of through documents validating my relocation a year ago. This makes your claim all the more bewildering, and frankly absurd, to anyone with a modicum of common sense. 

Moreover, the glaring absence of my signature or any form of personal identification on the contract that you supposedly hold against my name, is most certainly a harbinger of your incompetence in handling this matter appropriately. 

I have taken it upon myself to communicate this matter to the Consumer Financial Protection Bureau ( CFPB ). They have been made aware of your egregious handling of my case. The relentless and unjustified harassment I have endured, not to mention the hours spent in trying to rectify this grievous error, warrants this necessary action. Given the gravity of your misconduct, I strongly believe and hope that a sanction from their end would be coming your way. 

I would like to conclude by impressing upon you the dire need to rectify this outrageous situation at the earliest. It needs to be underlined that I am not responsible for the debt that you are wrongfully associating with my name. Any further communication to that effect will henceforth be treated as harassment and appropriate action will be taken. 

I look forward to receiving further communication from you confirming the rectification of this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 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 non-monetary relief
Consumer complaint received 2024-02-20 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: VA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2024-02-20 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I RECENTLY PULLED THE Y REPORT AND STILL SEE THIS LATE PAYMENT APPEARING THAT WAS ALREADY DISPUTED BEFORE SYNCB/XXXX XXXX. I WAS NEVER LATE. I ALWAYS MAKE SURE THAT I MAKE PAYMENTS ON TIME. I DEMAND THIS ACCOUNT TO BE UPDATED AND REMOVE THE LATE PAYMENT TAGGING AS SOON AS POSSIBLE AS YOU ARE VIOLATING MY RIGHTS Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.

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 2024-02-20 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: OH

Complaint narrative:
I am submitting this in response to your current evaluation. I have to pursue my efforts to resolve these matters which require intent to my personal credit report. I am frustrated and feel some errors are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix it. Please reinvestigate these accounts. Please check the inconsistency reporting of the Account number, Date Opened, Last Reported, Date of Last Active, and date of Last Payment. You must report this account accurately. Correct this matter ASAP : EXPERIAN : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

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 2024-02-20 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: MD

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-02-20 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: VA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any itema listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$680.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$230.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2024-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: TN

Complaint narrative:
I am writing this email in order to address a serious concern that has been hovering unnecessarily over my financial standing for quite some time now. I find it incredibly disquieting that I have to do sopointing out the lacking professionalism and due diligence in handling what is most certainly a glaring mistake on your end. 

There seems to be a heinous misunderstanding that an outstanding debt under my name linked to a loan account with XXXX XXXX is mine, where in actuality, such is simply not the case. The constant harassment and communication from your end regarding this erroneous debt is not only a breach of fair practices, but is also flagrantly offensive. 

I implore you to provide me with the necessary documents that unequivocally demonstrate my involvement with opening a loan at XXXX XXXX. The burden of proof rests squarely on your shoulders, as you are the ones who decided to mar my financial health with an unfounded claim. 

It is crucial to your understanding that I am not a resident of XXXX anymorea fact I have proof of through documents validating my relocation a year ago. This makes your claim all the more bewildering, and frankly absurd, to anyone with a modicum of common sense. 

Moreover, the glaring absence of my signature or any form of personal identification on the contract that you supposedly hold against my name, is most certainly a harbinger of your incompetence in handling this matter appropriately. 

I have taken it upon myself to communicate this matter to the Consumer Financial Protection Bureau ( CFPB ). They have been made aware of your egregious handling of my case. The relentless and unjustified harassment I have endured, not to mention the hours spent in trying to rectify this grievous error, warrants this necessary action. Given the gravity of your misconduct, I strongly believe and hope that a sanction from their end would be coming your way. 

I would like to conclude by impressing upon you the dire need to rectify this outrageous situation at the earliest. It needs to be underlined that I am not responsible for the debt that you are wrongfully associating with my name. Any further communication to that effect will henceforth be treated as harassment and appropriate action will be taken. 

I look forward to receiving further communication from you confirming the rectification of this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: CA

Complaint narrative:
I hope this message finds you well. I am writing to formally address a significant concern regarding the tardiness in opening my account with Credit Bureaus. Despite submitting all necessary documentation and fulfilling the required procedures well within the stipulated time frame, I am dismayed to find that my account has not been opened promptly. 

The delay in opening my account has caused inconvenience and frustration on my part. As a customer, I expected a seamless and efficient process, especially considering that all prerequisites were completed diligently and in a timely manner. However, the failure to open my account within the specified period has disrupted my financial plans and caused undue stress. 

Moreover, the lack of communication regarding the status of my account exacerbates the issue. I have made numerous attempts to seek clarification and updates, but the responses have been vague and unhelpful. This lack of transparency only serves to compound my dissatisfaction with the service provided. 

I would like to emphasize the importance of addressing this matter promptly and ensuring that corrective measures are implemented to prevent such occurrences in the future. Timely and efficient customer service is paramount in maintaining trust and satisfaction, and it is imperative that steps are taken to uphold these standards. 

In light of the inconvenience caused, I kindly request immediate action to expedite the opening of my account and provide assurances that similar incidents will not happen again. Additionally, I would appreciate transparent communication throughout the process to keep me informed of any developments. 

I trust that you will give this matter the attention it deserves and take appropriate steps to rectify the situation promptly. Your cooperation and prompt resolution of this issue are greatly appreciated. I am asking for your assisstance to correct this account in my credit file : XXXX XXXX XXXX Balance : {$0.00}.

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 2024-02-20 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: CA

Complaint narrative:
I hope this message finds you well. I am writing to formally address a significant concern regarding the tardiness in opening my account with Credit Bureaus. Despite submitting all necessary documentation and fulfilling the required procedures well within the stipulated time frame, I am dismayed to find that my account has not been opened promptly. 

The delay in opening my account has caused inconvenience and frustration on my part. As a customer, I expected a seamless and efficient process, especially considering that all prerequisites were completed diligently and in a timely manner. However, the failure to open my account within the specified period has disrupted my financial plans and caused undue stress. 

Moreover, the lack of communication regarding the status of my account exacerbates the issue. I have made numerous attempts to seek clarification and updates, but the responses have been vague and unhelpful. This lack of transparency only serves to compound my dissatisfaction with the service provided. 

I would like to emphasize the importance of addressing this matter promptly and ensuring that corrective measures are implemented to prevent such occurrences in the future. Timely and efficient customer service is paramount in maintaining trust and satisfaction, and it is imperative that steps are taken to uphold these standards. 

In light of the inconvenience caused, I kindly request immediate action to expedite the opening of my account and provide assurances that similar incidents will not happen again. Additionally, I would appreciate transparent communication throughout the process to keep me informed of any developments. 

I trust that you will give this matter the attention it deserves and take appropriate steps to rectify the situation promptly. Your cooperation and prompt resolution of this issue are greatly appreciated. I am asking for your assisstance to correct this account in my credit file : XXXX XXXXXXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief