vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-30 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: MI

Complaint narrative:
TransUnion is reporting an allege account XXXX XXXX XXXX XXXX incorrectly. This account was not opened by me and I have previously submitted proof that I did not open this account and have since filed a lawsuit against XXXX XXXX for allowing the account to be opened. Do not add an identity theft alert to my report just remove the account from my consumer report or TransUnion will also be sued for violating my rights.

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 2024-06-30 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: WI

Complaint narrative:
On XX/XX/year>, I received a notice from the credit bureau Experian who I have credit/identity theft protection service with, and they advised me to check my credit report for a " new negative/major derogatory activity '' notice that had appeared against my credit. I pulled up my credit report and found that a debt collection company by the name of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX submitted debt collections notice in the amount of {$660.00} report against my credit. 

I absolutely have no idea who this company is, I have not received any notices in the mail stating I owe a debt to them or anybody I do business with ... ..I have NOT received any late notices for any services I have received in the past or the present. All my bills are paid in full, and I have no outstanding debt other than my mortgage.

After doing much research on this company that is trying to collect a debt from me and has not informed me on whose behalf they are representing ... .I found that they are a company that harasses people and tries to collect money from people fraudulently.

Also, they contacted my elderly mother who has the same last name as me to collect this same amount of money from her before I received this notice and the hit to my credit.

Please investigate the company.

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 2024-06-29 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: MI

Complaint narrative:
TransUnion is reporting th account listed as XXXX XXXX XXXX/ XXXX  XXXX  # XXXX incorrectly there are several late payments on the account that is incorrect. TransUnion states they verified the information but that is incorrect. They do not have access to my financial records to prove that I was indeed late because this would be a violation of my privacy rights. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
INCORRECT INFORMACION ON 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 non-monetary relief
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
INCORRECT INFORMACION ON MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
In XXXX of 2024 I received a notice on my XXXX XXXX report from XXXX alerting me there was a derogatory remark on my report. I was shocked to see that a collection company named Diversified Adjustme was report for {$740.00}... I previously had the same account which held by another collection agency in same amount for {$740.00} which was on my XXXX credit report was previously removed. My question is how can a collection that was previously removed by the credit bureau be allowed to put the same collection account back on my credit report but instead allow another collection agency to do this. I believe this is not right and it is an unfair practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed the 3 credit bureaus ( XXXX, XXXX, and TransUnion ) were not reporting accurate information. The late payments reflected on my accounts between the dates XX/XX/XXXX and XX/XX/XXXX were incorrect recordings of missed payments during the loan forbearance period. I have since paid my XXXX XXXX account off and is now closed. Enclosed I have copies of the 3 credit bureaus inaccurately reporting late payments during that XXXX global pandemic found on my credit report. Please investigate this matter and contact the nationwide credit bureaus to have them remove the disputed items 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 non-monetary relief
Consumer complaint received 2024-06-30 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed the 3 credit bureaus ( XXXX, Equifax, and XXXX ) were not reporting accurate information. The late payments reflected on my accounts between the dates XX/XX/XXXX and XX/XX/XXXX were incorrect recordings of missed payments during the loan forbearance period. I have since paid my XXXX XXXX account off and is now closed. Enclosed I have copies of the 3 credit bureaus inaccurately reporting late payments during that XXXX global pandemic found on my credit report. Please investigate this matter and contact the nationwide credit bureaus to have them remove the disputed items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
Today repeated attempt to get replacement card. They won't deliver replacement to my po box . I think they did original. And they won't accept my physical address with with # XXXX at end even though they did one or the other in the past. 

Other banks keep physical address on file. But deliver to po box .

Post office does not deliver to physical address.

So what am I to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: TN

Complaint narrative:
Hello Equifax, is displaying fraudulent activity on my report that I never did. I have asked them to remove it or furnish me with validation that I did it however I never hear anything back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 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: TN

Complaint narrative:
It is several discrepancies showing on my credit report please rectify the item I have attached to this complaint.

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 2024-06-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year> I asked Capital One to close my saving and 3 CD accounts and to send me the closing funds to my external checking account, which was the same account that I used to fund my Capital One accounts when opened. 

Capital One told me that the closing fund checks must be sent to my home address. 

On XX/XX/year>, I received only one check of {$4700.00}, which was for the closing fund of my saving account. Capital One told me that the other check of {$130000.00} was issued and sent out on the same day for my 3 CD closing funds and I did not receive this check. 

It took Capital One 10 days to send me an Affidavit Form via email. I must have the Affidavit of Lost Check completed before a notary public. 

After I sent back the Affidavit Form, CapitalOne told me that the check of {$130000.00} was not cashed yet, but they can not reissue the check until 2 more months. 
To close my CDs, I must wait 3 months to receive my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: TX

Complaint narrative:
I have made several attempts in requesting help from Equifax in regards to two collection accounts on my credit report. XXXX XXXX is the owner of these alleged accounts and they have only supplied proof of these debts existence in the form of " printed-out '' statements and bills, although i have requested legal proof such as a contract, promissory note or agreement bearing my signature .I have submitted all documents supporting my dispute to Equifax and they have failed to respond. Equifax has failed to protect me as a consumer by not doing a proper investigation on my behalf and allowing XXXX XXXX to continue to report negative, inaccurate information that they have not proven to be legally mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: We Collect Inc
State: WA

Complaint narrative:
Hi, This complaint is a continuation of case XXXX. 

My information has been forwarded to Atlas Financial Services by XXXX XXXX  ( XXXX ), XXXX to persist with the debt collection even though XXXX XXXX XXXX XXXXXXXX ), XXXX failed to respond to the debt validation request.

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 2024-06-30 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: MO

Complaint narrative:
Around last XXXX after being released from hospital I Was Victim of Identity Theft.. Accounts were Not Authorized By Me & Are Fraudulent.

I sent all three credit bureaus certified letter via United States Postal service. Enclosed in that letter was the following information : Copy of identification : Copy of correct address : Copy of utility bill : Request To update correct address : Request To delete multiple names : Request to remove fraud statement to contact None Were acknowledged ....

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev | next ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

( C ) No address requirement ( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.

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 2024-06-30 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: MO

Complaint narrative:
Around last XXXX after being released from hospital I Was Victim of Identity Theft.. Accounts were Not Authorized By Me & Are Fraudulent. 
I sent all three credit bureaus certified letter via United States Postal service. Enclosed in that letter was the following information : Copy of identification : Copy of correct address : Copy of utility bill : Request To update correct address : Request To delete multiple names : Request to remove fraud statement to contact None Were acknowledged .... 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev | next ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
( C ) No address requirement ( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
Our escrow account accidentally increased from {$2400.00} to {$4900.00} per month. 
I called Fay Servicing. They claimed our property increased. Please attachment of our property tax increase amount & house insurance, but it does not add up to {$4900.00} per month

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am making this claim because, my credit report shows a credit card that is not mine and it does not even have my name or any information about me.But it is there affecting my credit score, I made a claim to XXXX, and results were that the card is mine.Then I called the bank who own the account and they say they cant find anything about me or the account.I need help please

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 2024-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: PA

Complaint narrative:
On approximately XX/XX/year> a charge posted to my credit card account in the amount of XXXX. I did not make or authorize the charge. When I later found out about the charge I disputed the charge with the credit card company and they denied my dispute saying that I would be held responsible for the charge. I called the company XXXX  times to no avail. They provided no acceptable reason for holding me responsible for the fraudulent charge on my account. I do not believe the bank did any investigation at all regarding this issue. The company is the Imagine Credit Card. The Imagine app indicates that the Imagine credit card is issued by XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: FL

Complaint narrative:
FCRA 605B obliges you to remove any incorrect accounts from my credit report. Please review the documents, as there are mistakes in the reporting, amounts, and dates of some accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : XXXX SS # XXXX To Whom It May Concern : I received a copy of my credit report, and I noticed some accounts on my consumer report that is inaccurate.

This is my 3rd attempt at having you delete this inaccurate information.

This agency is in violation of 15 USC 15 USC 1681i, in your repose to my dispute you claimed that the accounts XXXX XXXX XXXX XXXX Account Number XXXX XXXX Balance {$1800.00} XXXX XXXX XXXX Account Number xxxxxx XXXX Balance {$13000.00} XXXX XXXX  Account Number XXXX XXXX Balance {$3000.00} XXXX XXXX Account Number xxxxxxxxxxx XXXX Balance {$0.00} XXXX XXXX XXXX Account Number xxxxxxxxxxx XXXX Balance {$700.00} XXXX XXXX XXXX ( CLOSED ) Account Number XXXX XXXX Balance {$940.00} You have validated inaccurate information and these accounts are hereby disputed. 
The information on these accounts being furnished on my consumer report in fact inaccurate.

15 USC 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnishers of this information that the information has been modified or deleted from the file of the consumer. 
List of accounts to be deleted :

Company response to consumer: Closed with non-monetary relief