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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm asking you to remove these unauthorized requests from my credit report without delay. They've caused considerable distress, and I sent evidence of their authenticity. In this matter, please hurry up your investigation.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Upon reviewing my consumer report, I was surprised to find that the following company ( s ) is/are reporting charge off ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am demanding the removal of the mentioned charge-off ( s ) as I firmly believe that my consumer rights have been violated, as per the consumer law ( s ) listed below.

15 U.S.C. 1681a - Definitions ; rules of construction Section ( 2 ) Exclusions.

Subsections ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S.C. 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C. 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

According to the law, a late payment is considered a transaction and should not have been added to my consumer report.

15 U.S.C. 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; As a consumer, I am aware that I can charge {$1000.00} for damages if this item is not removed promptly, as it is causing me significant harm. Please refrain from stating that the item has been verified. Either the law is applicable or not. Kindly send an updated copy once the disputed item has been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I ordered this flooring due to an XXXX insurance claim from XXXX of XXXX. Part of the kithcen floor was removed for mold mitigation around XX/XX/XXXX. 
XXXX {$49.00} to have Home depot come out and provide estimate. 
XXXX completed. As stated above, a portion of the flooring was already removed for mold mitigation, the estimator could see all aspects of the floor including original floor thickness. 
XXXX with flooring desk to order flooring based on estimate 's specs. Purchased flooring on XXXX credit card for supplies and installation. 
XXXX arrived but stated that my subflooring needed to be leveled. rescheduled install. 
XXXX leveled XXXX arrived to install new floor but had to come back because they ran out of trim. 
XXXX informed installer that I was not satisfied with flooring and that I would not be signing the installation completion paperwork. There was gaps around all of my doors and floor molding. There was also a large scratch that was under the furniture. Notified XXXX XXXX XXXX XXXX and Citibank credit services that I was unsatisfied with flooring. Flooring contractor 's manager called me and XXXX me out because I would not sign off that the flooring was complete. 
XXXX went to the store to try to get resolution from store manager but only offered a {$500.00} store credit. I told owner that they could pick up product because I was not satisfied. Since this was an insurance repair, I needed a certificate of completion to claim my depreciation so I needed the flooring finished or that they could come remove. 
XXXX a call from flooring rep XXXX letting me know that they XXXX be sending a XXXX out to make the repairs. 
XXXX repair estimate from XXXX for trim repair and sent to Home Depot store. 
XXXX numerous emails for status or for Home Depot to remove the flooring. No response until XXXX when they offered to pay XXXX price to make repairs. I declined this offer. I do not feel that I should be responsible for a bad flooring install. 
XXXX XXXX response from Homedepot. 
XXXX a letter from Home Depot credit services that my XXXX XXXX XXXX XXXX I reopen the dispute case and attach all of my emails and documentation. 
XXXX notification that dispute was denied again and was informed that I had to get with store XXXX to resolve. 
XXXX message for store XXXX named XXXX with XXXX XXXX. 
XXXX called me back and offer the same {$500.00} credit that I declined because it did not cover the cost to make repairs.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
I receive updates from XXXX XXXX and on XX/XX/XXXX I got a new collection notification. Credence Resource Management Collections. On my credit report it states a soft inquiry was done on XX/XX/XXXX or XX/XX/XXXX by this credence resource company and the next day the amount of XXXX. Was authorized to me by XXXX XXXX XXXX but we have always had XXXX. And than on XXXX it was reported to my credit as been sent to collections? When I called CRMC they did not have my phone number, my full address or correct email address. They offered me a deal or to send me a packet for fraud. I filed a report with the XXXX police, XXXX XXXX XXXX couldnt find an account with my name and are sending me a packet for fraud and the Az attorney generals office told me to report to yall. 
No one in my family would switch to XXXX XXXX XXXX I did not do this and I think its very strange CRMC did an inquiry without my knowledge or had my info. And that they could just access my report and claim this is wrong! It is not our debt

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 

Credit Inquiries : 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

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: CA

Complaint narrative:
Hello, I noticed that there are several fraudulent accounts that are inaccurately reporting on my credit reports. I have reached out to the credit agencies to inform them that I was a victim of identity theft and that these accounts do not belong to me. I included in the letters attached all of the inquiries and accounts that 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 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: CA

Complaint narrative:
Hello, I noticed that there are several fraudulent accounts that are inaccurately reporting on my credit reports. I have reached out to the credit agencies to inform them that I was a victim of identity theft and that these accounts do not belong to me. I included in the letters attached all of the inquiries and accounts that are fraudulent.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX reporting a debt against me that a ) never sent proper notice of my rights and b ) clearly depicts incorrect social security number

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: Westlake Services, LLC
State: GA

Complaint narrative:
I have never heard of this company. I have never spoken with them or did business with them im asking for a immediate removal from my credit file as this is causing a major hardship within my credit. If this is not removed I will file legal action.

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: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have sent letters explaining to remove information from my credit report due to the account closed for a long time. also my personal information was impacted in the XXXX Data breach

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: EQUIFAX, INC.
State: GA

Complaint narrative:
I strongly urge you not to include this on my credit report. It is not mine, and it appears to be fraudulent. Please take appropriate action to address these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: ID

Complaint narrative:
To whom it may concern, I first off want to apologize if I come off as rude, I am extremely frustrated because I have been trying to dispute a charge since XX/XX/XXXX with Comenity Capital Bank as per the email instructions that were given to me by the airline company. However, Comenity Capital Bank hasnt processed any of these disputes properly which now has placed me in this position, A YEAR AND A HALF LATER. 

I think the easiest way to understand this will be in chronological order as follows XX/XX/XXXX- I purchased airline tickets for {$240.00} with XXXX XXXX XXXX my Bed Bath & Beyond Mastercard. 
XX/XX/XXXX - I received an email from XXXX XXXX stating they ceased all future flight operations starting on XX/XX/XXXX due to filing XXXX  XXXX Bankruptcy. Per the email. They stated for me to reach out to the credit card company to request a refund. 
XX/XX/XXXX - I received a duplicate email from XXXX XXXX  stating the same thing XX/XX/XXXX - I filed a dispute with Bed Bath & Beyond XXXX XX/XX/XXXX- I received correspondence from Comenity Capital Bank XXXX XX/XX/XXXX requesting additional information. 
XX/XX/XXXX - I submitted all requested information to Comenity Capital Bank XXXX XXXXXX/XX/XXXX - XXXX still have not received any communication from the bank regarding this dispute so I re-initiated another dispute through customer care. 
XX/XX/XXXX - I receive an acknowledgement letter from the bank about the dispute. 
BY XX/XX/XXXX - I receive my paper statement showing the {$240.00} charge has been placed onto the account. I havent received any other documentation This charge was in dispute for over a year per my paper credit card statements. 
I tried to reach out again to dispute the charge in writing but then I received documentation that it's been longer than 60 days from the purchase..

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.

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: IL

Complaint narrative:
According to 605B, this account should be removed promptly. It's bothering me on my credit report, and it's not even my account.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Kindly eliminate these inquiries as they were conducted without my knowledge or consent by the company.

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: NJ

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity 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 2024-02-20 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 15 U.S.C, 1681section 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 an 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 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 2024-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
COMPANY HAS NOT PROVIDED PROOF OF DEBT. THIS DEBT IS NOT VALID.

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: GA

Complaint narrative:
This account is not mine, and I did not authorize its use. Please remove this erroneous account from my records.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I found unknown accounts on my credit reports. 
- XXXX XXXX XXXX Balance {$1600.00} - XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} - XXXX XXXX XXXX XXXX XXXX {$69.00} I am not aware of the balance amounts for XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX on TranceUnion credit report. 
I have not used this credit card for purchases or payments since XX/XX/XXXX. 
The current balance amount should be {$0.00}. 
- XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00}

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