vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-03 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:
Transunion is reporting a collection on my report which is not mine and nothing to do with me. the collection name is XXXXXXXX XXXX  and it says that I have a balance with XXXX. I never ever ever in my life had an account with XXXX or did any business with you. I have been with XXXX XXXX XXXX for years now. I have no idea what this is but definitely not my account and transunion is reporting this unlafully without obtaining the required documents and verification that they need to follow. 

I have sent them a letter in regards to this and also asked that they provide me with any contract between me and XXXX that has my name and signature but they have failed to provide me with that proof. 

they are illegally reporting this collection account to my report without the proper and verification that they need to do to verify that this account is actually mine. 

I never ever had a XXXX account. this collection is very damaging to me and is illegal.

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 2023-11-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX ( Bank ) XXXX. XXXX, XXXX These hard inquiries need to be removed they are fraudulent and according to 15 U.S.C. 1681 b. These can only be used by permissable purpose. I've tried to remove these before to no avail. Please see to it that these are removed thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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 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 2023-11-03 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: NC

Complaint narrative:
Account was disputed and kept coming back verified. The account is. Reporting inaccurate information according to the FCRA 15 us 1681 e b all information reporting to someone's credit report must be accurate or shall be removed immediately Account open date different : how can a account with the same account number be open on different dates Date last active has two different dates : how can someone be be last active on 2 different dates

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 2023-11-03 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain information on my consumer report as provided by your agency. I am raising this dispute under the provisions of 15 U.S.C 1681b, specifically focusing on the permissible purpose clause, as I have never provided written consent to your agency for the inclusion of this information on my consumer report. This lack of consent is a concerning issue as it may be indicative of identity theft, and I have already filed a report with the Federal Trade Commission ( FTC ) under Reference Number XXXX. 

The following accounts are being reported on my consumer report, and I request their removal : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I would like to clarify that my dispute is not with the original creditors of these accounts but with your reporting agency 's inclusion of this information on my consumer report without my written consent, which I believe violates the permissible purpose provision under 15 U.S.C 1681b. According to 15 U.S.C 1681C-2 , it is mandated that these items should be removed within the statutory time frame. 

I kindly request your prompt investigation into this matter and the subsequent removal of the aforementioned items from my consumer report. Please provide written confirmation of the removals made and a copy of my updated consumer report once the necessary corrections have been completed. 

I expect this matter to be resolved in accordance with the Fair Credit Reporting Act ( FCRA ) and the laws that protect consumer rights. Your immediate attention to this matter is greatly appreciated.

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 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
We have had a business account open with TD Bank since XXXX of XXXX. Being small business owners for the moment we have pretty much only used this account for deposits from our customers and since we don't do any business in winter never used it in that season. When we opened the account TD Bank linked our business account to my husband 's personal account to avoid the maintenance charges of {$25.00} a month. My husband didn't pay any attention to the fact that TD Bank started charging him the fee in XX/XX/2022, resulting in {$300.00} of our money they had taken, which was up until I took charge of the account XX/XX/XXXX and noticed all the charges throughout that year up to current. Once I went through and noticed it I started calling to rectify the situation. I spoke to tellers XXXX  and XXXX about it, they both informed me that due to an update in TD Banks system my husband 's account and many others became unlinked. XXXX XXXX is aware of this mistake also and refuses to make the situation right by refunding us our money. Moreover there was enough in the account a few months after it became unlinked to avoid the maintenance fee and TD continued to keep on charging our account. I checked today and we are still owed another {$150.00} as I received another {$25.00} credit yesterday XX/XX/XXXX. I spoke with a customer service rep on XX/XX/XXXX who informed me that since the fault is on their end they are obligated to give the refund and the branch manager would have to do so as he was only authorized to give {$50.00}. XXXX called me back XX/XX/XXXX at last to say it was my fault for not paying attention, she did us favor and then again today XX/XX/XXXX to say she did us a favor refunding us an extra month and that it was our fault pay attention next time to our statements. We didn't authorize them to charge our account the maintenance fee nor did we agree to take responsibility for an error in their system resulting in us losing that money. Any help to recover what we are owed by them would be appreciated. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
On XX/XX/23, I enrolled in a cyber security course provided by XXXX. The course was provided for free with the option of paying a fee to obtain a certificate for the course upon completion and passing an exam at the end of the course. I paid the fee to obtain a certificate at the end of the course. 

At the end of the course, there was no test to test your knowledge and skills so I advised XXXX that this was not part of the deal and feel scammed. I asked for a refund I recently filed a dispute with bank of America, however, my money has not been refunded

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 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Gap/Barclay did not reach out to me prior to closing my Gap/Barclay credit card even though they had my email address & phone number on file. They informed me that they had sent notices to my phone which is not correct as I did not receive any emails or texts from them related to the account. In addition, they allegedly mailed out bills that I never received dated XX/XX/XXXX through XX/XX/XXXX on a late fee of {$21.00}. I finally received a bill at our Florida address on XX/XX/XXXX that was dated XX/XX/XXXX with a printed due date of XX/XX/XXXX. I immediately called Gap/Barclay on XX/XX/XXXX & had a long conversation explaining to them that this was the first bill I'd received & I did not realize I had a late fee due. I asked them to consider eliminating some of the additional late fees of $ XXXX & they agreed to eliminate 2 of them. I immediately paid them {$130.00} ( as on their most recent statement ) from my online XXXX XXXX XXXX account that same day & told them it would be delivered on XX/XX/XXXX. I then subsequently received a letter from Gap/Barclay on XX/XX/XXXX, but dated XX/XX/XXXX ( attached ), stating my credit card account had been closed based on non-payment. I called them on XX/XX/XXXX upon receipt of this notice. They told me they had not received the Payment of {$130.00} on XX/XX/XXXX from XXXX XXXX XXXXXXXX, despite the fact that it showed on my bank account that it had been paid XX/XX/XXXX as we had discussed on XX/XX/XXXX. They told me they were placing a " missing payment report '' to try to find the payment already made. I am amazed that they had all my contact info ( cell & email ) on my credit card account but no one even thought of e-mailing me or making a phone call to notify me about the payments not made. I have no desire to have another credit card with them, and I am very upset that my credit rating will be affected by this. My only request is that Gap/Barclay make XXXX there is no negative information on my credit report which has be stellar up to this point.

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 2023-11-03 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: NJ

Complaint narrative:
There is an account called XXXX XXXX XXXX that's on my credit reports which I can not identify doing any transaction or business with them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: NJ

Complaint narrative:
There is an account called XXXX XXXX XXXX that's on my credit reports which I can not identify doing any transaction or business with them

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 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to file a formal complaint against Equifax Information Services, LLC concerning their reporting of unverified, unauthorized, and inaccurate information on my credit report. While I appreciate Equifax 's cooperation in updating incorrect information such as names and addresses, I believe that Equifax is still in violation of the Fair Credit Reporting Act ( FCRA ) by reporting unverified and unauthorized information. 

My complaints against Equifax are as follows : Reporting Unverified Information : Equifax has reported information on my credit report that has not been verified by me, including accounts from XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have not validated or given permission for Equifax to include this information on my report. The unauthorized inclusion of such information goes against the FCRA, which stipulates that consumer reporting agencies can only report information with the consent of the consumer. 

Violation of My Right to Control My Credit Report : My rights as a consumer include having control over the information on my credit report. By including unauthorized information, Equifax is infringing on my ability to maintain accurate and truthful credit information. 

I kindly request that Equifax addresses these issues by ensuring that they only report verified and authorized information in accordance with the law. I also request that Equifax removes the unauthorized and unverified information from my credit report immediately and remains vigilant in complying with the FCRA and related consumer protection laws. 

In support of my complaint, I cite the relevant legal provisions and a court case : FCRA Section 1681b ( f ) outlines the responsibilities of consumer reporting agencies regarding the use and reporting of consumer information. 

The case of Smith v. Equifax Information Services LLC, 2017 WL 2832941 ( S.D. Fla. 2017 ), emphasizes the importance of accurate credit reporting and the responsibility of credit reporting agencies to ensure that information is both accurate and verifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 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: NY

Complaint narrative:
XXXX XXXX ( Bank ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX  XXXXXXXX XXXX XXXXXXXX XXXX, XXXX  XXXX  XXXX ( Bank ) XXXX. XXXX, XXXX  These hard inquiries need to be removed they are fraudulent and according to 15 U.S.C. 1681 b. These can only be used by permissable purpose. I've tried to remove these before to no avail. Please see to it that these are removed thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I spoke to TransUnion on yesterday and today. Yesterday the young lady said that the Bankruptcy was removed from my report. Today I look and it is still on there. So I called again and this time another person told me that it will stay on there for 10 years. First of all they are reporting that I filed bankruptcy last month which is totally incorrect. Transunuion is the only company reporting this. I asked that they remove it f on my file and they have yet to do 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 non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CarMax, Inc.
State: FL

Complaint narrative:
On XX/XX/ my XXXX XXXX ending in... XXXX is charged with sending my payment of {$340.00} to CarMax Auto finance. Carmax did not post the XX/XX/XXXX payment and charged me a penalty for a late payment. They maintain they did not receive the payment I had to make the payment again. 
XXXX insist that they transmitted the monies to the bank for CarMaxAutoFinance and they provided a banking transmission number. ( See attachments ). CarMax will not acknowledge what happened to that banking transfer. I want CarMax to refund the monies or provide information to XXXX XXXX that they never received these moneys. Then XXXX XXXX can refund my money. Where is my {$340.00}? Who has my {$340.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/2023, I received an automated email from Chase thanking me for requesting a new credit card. I did not initiate any request for a new credit card. XXXX sent me an email notification on the same day alerting me of a " Real-Time Credit Inquiry '' initiated using my information. On XX/XX/2023, I received a second email from Chase requesting information and documentation to complete the application process. I did not respond to this email. On XX/XX/, I received another automated email from Chase thanking me for requesting a new credit card. Again, XXXX sent me an email notification on the same day alerting me of a " Real-Time Credit Inquiry '' initiated using my information. On XX/XX/2023, I called Chase to alert them of the fraudulent activity, but they were not able to do anything at that time as their computer systems were down, so they told me to call back the next day. I called back two days later on XX/XX/2023, and they responded appropriately by closing the application request ( s ) and sending me information on the next steps. Later that day, received another automated email from Chase thanking me for requesting a new credit card. However, I did not receive another alert from XXXX this time. One of the next steps was to contact XXXX, whom I have an account with, to dispute the case ( s ). XXXX told me they would process this, but I also needed to file a report at FTC.gov. So here I am, reporting the issue. Once the report is filed, I need to upload a copy to XXXXXXXX including my ID ( driver 's license ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX took this off my credit in XX/XX/XXXX because it was identity theft, It was placed on Lnvn Collections in XXXX of XXXX. I asked them to send me a copy of contract they sent me an affidavit. I want this account removed from my XXXX because XXXX and XXXX removed in XXXX of XXXX because this is not my account, I have sent XXXX letters and they keep saying verfied with no proof, I sent them ftc report dated back in XXXX and police report and still have not taking off my credit report.

Company response to consumer: Closed with explanation