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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to file a complaint against TransUnion for their failure to properly address my disputes regarding inaccurate items on my credit report. 
On XX/XX/year>, I mailed a dispute letter to TransUnion via USPS certified mail ( tracking # XXXX ) requesting an investigation into inaccurate items on my report. In addition, I disputed incorrect personal information listed on my credit report. To help TransUnion verify my identity and address, I included a copy of my photo ID, social security card, and a recent bill with my current address. 
I received a response from TransUnion dated XX/XX/year>, stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 
Subsequently, I sent another dispute letter on XX/XX/year>, because a direct dispute letter to XXXX XXXX XXXX, an account listed on my credit report, was returned to me as undeliverable, making this an unverifiable account. I demanded that TransUnion remove this account. However, I received the same response from TransUnion dated XX/XX/year>, reiterating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my disputes, which they are required to do in accordance with the FCRA. 
I am including copies of my dispute letters sent to TransUnion along with TransUnions responses as proof.

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 2024-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
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 — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/year> my credit card company XXXXXXXX XXXX XXXX reported my credit card account ending XXXX to all three credit agencies. Only one credit agency which is XXXX is the only one thats reporting. Im having issues with Equifax and XXXX to report my credit card account on my report. I reached out to not credit agencies on numerous occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> between XXXX and XXXX I made a deposit at the Bank of America ATM XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX I inserted my ATM card, punched in my account number for deposit and deposited my money order of {$750.00}. After a few seconds the screen went Black. Then the screen lit in red writing saying ATM is out of service. I pressed the ATM a few times seeing if it will return my money order and it didn't. I then returned to my car which was a rental and called bank of america. The first person I talked to we lost contact. So I left to return the car since it was due to return. As I was leaving I noticed someone walking up to the atm machine with something in his hands. I didn't think anything about it because the atm was out of order. I got back to the atm and noticed it was working again. So I called bank of america and talked to a lady named XXXX. I explained to her what happened and she gave me a claim number. They contacted me and said they found nothing. I talked to someone and they told me that I was liable. I know atm machines have cameras. And I know you can't make a deposit with using an atm card. Another thing, there was a guy before me punching a lot of numbers on that atm I used. I think he was making multiple deposits. Then when I used the machine it broke down. And after I used it nobody else used it until I noticed that XXXX guy when I was leaving walk up to it with something in his hands. I don't even think bank of america checked the atm cameras because if they did they would have noticed that what I was telling them was true. I read that bank of america was getting investigated by CFPB and that's why I'm contacting your organization.

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 2024-08-13 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: CT

Complaint narrative:
This letter is to inform you that I am disputing this debt. After receiving a response to my original dispute letter, I contacted the original creditor who could not verify this account as mine. Please delete this furious account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 explanation
Consumer complaint received 2024-08-13 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: MD

Complaint narrative:
I have no association with these inquiries or the listed creditors. Please remove them from my credit report as a matter of urgency.

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 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/year>, XXXX XXXX, Senior Counsel for XXXX XXXX XXXX XXXX XXXX had XXXX XXXX updat the bureaus to remove all negative information and it was to be update as of XX/XX/year>. I previously filed a CFPB complaint under number XXXX. 60 days is unacceptable, I need this updated today. I have lost too much already and I need to know if I need to consider other actions because I have lost two homes already.

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 2024-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
A Fair Credit Detailing Act ( FCRA ) violation refers to a violation of the government rule that governs the collection, distribution, and use of consumer credit information. You are expected to ensure that the information on my credit reports is 100 % accurate. I am entitled to compensation for this FCRA infringement because I have suffered injury as a result of it. Ideally, this compensation would take the form of DELETIONS ; if not, I will have to convey it to my legal counsel. I demand that these accounts be removed right away because they are not entirely accurate, as stated in my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-08-13 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: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
I am filing this complaint against ChexSystems , Inc. due to their improper handling of my dispute concerning a reported unpaid balance with XXXX XXXX XXXX XXXX XXXX ( XXXX ). 

Background : I had an account with XXXX XXXX XXXX, which was closed with a reported balance of {$470.00} on XX/XX/XXXX. The balance resulted from XXXX debit transactions and fees posted between XX/XX/XXXX, and XX/XX/XXXX. 
Dispute and Reinvestigation : I disputed this information with ChexSystems, asserting that the balance had been paid. However, in their response dated XX/XX/XXXX, ChexSystems stated that the information was verified as accurate by XXXX XXXX XXXX and refused to correct the information. Despite my dispute, the report continues to show the account as " unpaid. '' Lack of Proper Investigation : ChexSystems deemed my dispute as frivolous or irrelevant, even though I provided all necessary information to support my claim. They did not request any additional documentation or offer guidance on how to resolve the issue if they required further proof of payment. Their failure to engage in a meaningful investigation is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Inability to Obtain Proof : Despite multiple attempts to obtain a payment receipt from XXXX XXXX XXXX, I was only provided with an old statement showing a balance, which does not accurately reflect the current status of my account. Furthermore, XXXX XXXX XXXX advised me that if I had proof of payment, I should bring it into the branch, which implies that they do not maintain accurate or up-to-date records of payments. This further complicates my ability to resolve the dispute and underscores the need for ChexSystems to conduct a more thorough investigation. 
Ongoing Harm : The continued reporting of this erroneous information by ChexSystems is causing significant damage to my credit reputation and financial well-being. It has made it difficult for me to obtain financial products and services, and I am being unfairly penalized for an issue that should have been resolved. 
Request for Assistance : I am seeking the CFPBs assistance in ensuring that ChexSystems conducts a thorough reinvestigation of my dispute, corrects my consumer file to accurately reflect the paid status of the balance with XXXX XXXX XXXX, and stops reporting inaccurate information that is damaging my credit profile.

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 2024-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
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: ENOVA INTERNATIONAL, INC.
State: MS

Complaint narrative:
I want these inquiries deleted because I did not authorize these companies to run my credit and this is fraudulent

Company response to consumer: Closed with explanation
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: Ava Finance, Inc
State: MS

Complaint narrative:
I want these inquiries deleted because I did not authorize these companies to run my credit and this is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: CBC Companies, Inc.
State: CA

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: U.S. BANCORP
State: CO

Complaint narrative:
I ordered XXXX  large outdoor solar lights to put around my barn on XX/XX/XXXX from a company called XXXX XXXX  XXXX. The charge in the amount of {$290.00} showed up on my credit card statement on XX/XX/XXXX. The number that showed up appeared to be a Nevada number, but I thought the lights were coming out of Utah. A month went by and I hadn't received the lights, so I called the company several times to inquire on a delivery date but could never get through. I finally was able to talk to a human in about XXXX and they said they wouldn't deliver the lights until I gave them a drivers license number or a green card number. No vendor had ever asked me for that information before and it raised a lot of red flags. I didn't give them my drivers license number and they refused to send the lights in spite of the fact I'd already paid for them. I alerted Elan Financial Services of this issue and on XX/XX/XXXX, XXXX reversed the charge and requested a dispute form, which I faxed to them on XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX saying they had talked to XXXX XXXX  XXXX and were provided with a tracking number for the package that proved there was a delivery on XX/XX/XXXX, so the charge was reapplied to my card. Yes indeed, we did get a package from XXXX XXXX  XXXX from a Michigan address, but it was a XXXX '' X XXXX '' box. Not only was it empty, but there's no way ( XXXX ) XXXX long outdoor solar lights would have fit into that box. I contacted XXXX again and they asked me to file another dispute with photos of the box and tracking number, which I did and faxed to them on XX/XX/XXXX. Months go by and I never heard back from XXXX. I call them and they say they've been trying to call me, but they were calling a land line that had been disconnected over XXXX  years ago. Then they tell me that the deadline to resolve the dispute was XX/XX/XXXX, even though they requested more info from me on XX/XX/XXXX. I've been a loyal customer in good standing with this credit card company for over XXXX  years so I thought they might make an exception, but they wouldn't budge. They wouldn't take the charge off even though I proved my case with the evidence they requested. They closed the case and I'm still stuck with the charge for lights I never received.

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 2024-08-13 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 am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-08-13 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: NV

Complaint narrative:
I am writing to express my serious concern regarding the disputed accounts on my credit report. Despite multiple requests for a thorough investigation into these inaccuracies, I have yet to receive any resolution. These errors are severely damaging my credit file and negatively impacting my life. 

The ongoing presence of these erroneous accounts has caused significant hardship, affecting my financial stability. I urge you to conduct a comprehensive investigation into each disputed account and take immediate corrective action. 

It is imperative that my credit report is updated and corrected without further delay. Restoring the accuracy and integrity of my credit file is essential for me to regain control over my financial well-being. 

I sincerely request your prompt attention and action on this matter. Your cooperation in resolving this issue swiftly would be greatly appreciated. 

Thank you for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief