vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-13 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: PA

Complaint narrative:
I am disputing two credit card accountsXXXX Bank ( {$5600.00} ) and XXXX  ( {$4100.00} ) that have been inaccurately reported on my credit report. Despite multiple disputes, the balances remain incorrect. I have received 1099-C forms for both accounts, indicating the debts were forgiven, and I have uploaded copies of these forms in previous disputes. The credit bureaus have failed to review the provided documentation and have solely relied on the creditors information, neglecting their duty to properly investigate. I request that these accounts be deleted from my credit report immediately due to this ongoing inaccurate reporting and failure to investigate.

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 2024-08-12 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX, this apartment complex made a collection for anothers month rent after i moved out on XXXX of XXXX. This collection is in the amount of {$1400.00}. This apartment has been under many managements from the year i lived there to now. 

I called the apartment complex which is under new management & they informed me that there is no record of this collection and no record of the old management to contact them. 

The debt collector doesnt want to even settle the debt at a lower price to close and delete this collection off my credit. 

I have sent in many documentation stating the account was once closed but they reopened it & a cease and desist.

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 2024-08-12 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: GA

Complaint narrative:
I was unaware of this debt when it appeared on my credit report, I didnt have the opportunity to dispute this information. If in fact you believe you gave me proper notification please send me the certified documentation that shows that I was aware of this debt that had my signature stating that I received this documentation. 
In the absence of such documentation, I respectfully request that the accounts be removed from my credit report, as I was not given the opportunity to address these debts in a timely manner. 

Please provide me with the requested documentation or proceed with the deletion of the accounts from my credit report. I would appreciate your prompt attention to this matter. 

Account : XXXX XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXXXXXX Account : XXXX  - XXXX Account : XXXX  - XXXX Account : XXXX  - XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nair & Levin, P.C.
State: CT

Complaint narrative:
i have entered a payment plan with XXXX XXXX. despite my payment plan being current i have received 2 notices of my account being sent to collcetions. the collection agency is XXXX XXXX XXXX, file # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-08-12 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: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: MD

Complaint narrative:
I have identified several items on my credit report that I do not recognize, which suggests that my identity may have been compromised. I did not authorize these accounts, and I am requesting their immediate removal from my report. Despite raising this issue previously, the unauthorized accounts remain, causing me significant distress. They inaccurately reflect my credit history and are obstructing important financial goals, such as purchasing a home and supporting my family. If this issue is not resolved promptly, I am prepared to take legal action to protect my rights. I trust that we can resolve this matter swiftly.

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 2024-08-12 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:
I have identified several items on my credit report that I do not recognize, which suggests that my identity may have been compromised. I did not authorize these accounts, and I am requesting their immediate removal from my report. Despite raising this issue previously, the unauthorized accounts remain, causing me significant distress. They inaccurately reflect my credit history and are obstructing important financial goals, such as purchasing a home and supporting my family. If this issue is not resolved promptly, I am prepared to take legal action to protect my rights. I trust that we can resolve this matter swiftly.

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 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: NV

Complaint narrative:
Ever since the use a cash app has been available it has been a complete scam. All the consumers monies pooled into one account? The monies that have been deposited by that myself has not been available as well as the debit cards have been stolen and cloned. And this is on more than one account with cash app. The accounts have been linked to XXXX XXXX XXXX and banking institutions since XXXX. The amount of monies lost is undetermined nor unmeasurable due to the time lost and events unfolding still today as we speak. Being an investor once with XXXX XXXX accounts were suddenly closed for no reason given. XXXX XXXX XXXX passed thru XXXX XXXX  and account was closed 10 minutes after the transaction with the reason " security risk '' with no following communication by the company. All these companies are tied together and have been sticking it to the consumer this entire time and brushing off the warnings and or reports by the consumer. How does a company pool consumers money together? Is this even legal? This is not my first complaint and have received plenty harassment from doing so. The accounts will show the problems as well as having 32 devices logged into one account since XXXX and the disconnect just this year at the begining. The communication is a joke with Cash App and why should the consumer have to uninstall the app then reinstall, doesnt that erase all the data saved? Owner of more than one account with cash app ... XXXX was comprimized via email and can not access email to get any responses ... $ weetemotionz and $ XXXX are two of the accounts with cash app .....

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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: VW Credit
State: MI

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX  which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). 
I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. XXXX XXXX XXXX {$32000.00}, as well as VW CREDIT INC balance {$73000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In compliance to 15 U.S. Code 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This is a clear proof that this item is reporting INCOSISTENTLY across all the displayed bureaus, an infraction of compliance! DELETE the LATE PAYMENT REMARKS at once!

Your agency is in violation!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 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: IL

Complaint narrative:
I'm writing to communicate my XXXX  with respect to the contested records on my credit report. On various occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be completely researched. Regardless of my endeavors, I still can't seem to get any goal or remedial activity. These wrong records are seriously harming my credit document and impeding my capacity to carry on with an ordinary life. The adverse consequences of these mistakes have caused huge difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is happening straightaway. I mercifully demand that you direct an exhaustive examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and redress my credit report right away. With your assistance, I desire to reestablish the exactness and uprightness of my credit record so I might recover command over my monetary prosperity. I truly encourage you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue expeditiously would be enormously valuable. Much thanks to you ahead of time for your comprehension and help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
I spoke with an agent on XXXX at XXXX and told the agent that the debt did not belong to me. I explained that I have had this same charge removed from my credit report twice prior. I have not opened any accounts in my maiden name since XXXX. The agent told me that they will make this note to let the company know. I told her thank you and she said have a great day. The next day I received notification that they placed it on my credit report again. Now I have to go through all of the steps once more to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: LA

Complaint narrative:
Could you please help me address some negative items on my report? I have already submitted the three documents you requested, along with the dispute letters and details of the specific accounts I want removed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
My information was sold to the collection companies and I did not give any permission for it to be sold. The amount is {$1600.00}. I have no knowledge of this debt.

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 2024-08-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Chrysalis Holdings LLC
State: IA

Complaint narrative:
I applied for a loan from New Day and they did not tell me that I had to pay some accounts off my credit report that had been charged off. They decided to issue me checks from my proceeds to pay them off without my consent. They changed the terms we agreed to after we signed the papers and did not let us see the paperwork for these charged off accounts that they were paying. We had gone over the accounts we wanted to pay with their agent, XXXX XXXX and told him we did not want to pay those charged off accounts. He decided to pay them off anyway and told us we had to pay them for the loan to be approved. If he had told us that in the beginning, we would not have taken out the loan. We have told them we do not want to pay those accounts and they refuse to release our funds. I think they have committed some fraud by not telling us what they were doing and hiding it from us. Can you help us with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Include dates, amounts, and actions that were taken by you or the company. 

Do not include personal information, such as your name, account number, address, Social Security number, etc. We may ask for some of this information later, to help the company identify you and your 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 explanation
Consumer complaint received 2024-08-12 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: NC

Complaint narrative:
I have written seven letters to XXXX, XXXX, and Equifax requesting the removal of fraudulent and outdated information on my credit report, including incorrect addresses, employment details, and phone numbers. Despite my efforts, these bureaus have failed to take action on my requests. This negligence has caused significant harm to my creditworthiness and financial well-being. I am deeply disappointed by the lack of response and corrective action from these credit reporting agencies. 

I demand that XXXX, XXXX, and Equifax promptly investigate and remove all inaccurate and outdated information from my credit report. Failure to do so will result in further legal action to protect my rights as a consumer. It is imperative that these bureaus adhere to the guidelines set forth in the Fair Credit Reporting Act to ensure the accuracy and fairness of credit reporting. 

I urge XXXX, XXXX, and Equifax to rectify this situation immediately and provide me with a written confirmation of the removal of the erroneous information from my credit report. My financial reputation and future credit opportunities are at stake, and I will not tolerate the disregard for consumer rights exhibited by these credit reporting agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: IL

Complaint narrative:
Chime kept money that was verify through unemployment and they still did not return my money after I show all documentation that was needed to show they close me out and I no longer was able to call or reach out to them anymore and I had no explanation why they kept {$3100.00} from me

Company response to consumer: Closed with explanation