vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The 3 major credit bureaus are currently reporting accounts on my credit that are fraud. Here is a list of the items in question XXXX  filed XX/XX/XXXX XXXX {$15000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX {$60000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX {$18000.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX {$18000.00} XXXX XXXX XX/XX/XXXX XXXX {$7600.00} Please remove these items, for they are injurious to my credit history. 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 2024-06-13 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:
The 3 major credit bureaus are currently reporting accounts on my credit that are fraud. Here is a list of the items in question XXXX filed XX/XX/XXXX XXXX {$15000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX {$60000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX {$18000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX {$18000.00} XXXX XXXX XX/XX/XXXX XXXX {$7600.00} Please remove these items, for they are injurious to my credit history. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: MD

Complaint narrative:
PLEASE BLOCKED AND REMOVED I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

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 2024-06-13 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:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ive recently check my credit report and noticed this inaccurate account reporting. 

*See attachments*

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 2024-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
This account was sold to XXXX XXXX XXXX without my knowledge and in according to the FCRA Is no longer my responsibility since they have filed insurance claim on the account and then sold 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 2024-06-13 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: EQUIFAX, INC.
State: KS

Complaint narrative:
This account was sold to XXXX XXXX XXXX without my knowledge and in according to the FCRA Is no longer my responsibility since they have filed insurance claim on the account and then sold it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
This account was sold to XXXX XXXX XXXX without my knowledge and in according to the FCRA Is no longer my responsibility since they have filed insurance claim on the account and then sold 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 explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
I have had a joint saving and checking account with my wife for almost 10 years at HSBC USA bank. The bank closed my account on XXXX XX/XX/year> without my notice and permission. After my complaints ' they understand their own mistake, and re-opened new accounts. Now after 3 months still have not received my money yet, HSBC bank is only asking me to sign an indemnity agreement individual agreement for this issue first. They do not provide me any tracking number if they have issued and sent any checks to my address in XXXX that have on their file, and still why I have not received my funds back? I already now have other checking and saving accounts with them in XXXX and more than 15 years in XXXX. ( The same HSBC Bank ) Isn't a bank in XXXX responsible for paying back customers ' money? 
I am a XXXX citizen and now living in XXXX, really do not understand how easy is for HSBC to avoid paying back customers ' money. 
I wrote them multiple emails and had telephone calls with their staff. 
Today when I called them, they told me there is no record and no memo about my case!!! 
WHERE IS XXXX & XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 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: NV

Complaint narrative:
I was a victim of identity theft. There are inquiries on my XXXX, XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 XXXXer XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/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 2024-06-13 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Charged my Card {$XXXX} for No Service Provided. 
XXXX On XX/XX/year> I Disputed these fraudulent Charges with American Express XXXX Ref. No. XXXX. 
XXXX On XX/XX/year>, American Express Closed the Dispute with no resolution, apparently, American Express relied on False Invoices provided by XXXX XXXX XXXX, for a vehicle that they didn't perform any work on. 
XXXX American Express even refused to provide me with documents to determine the validity of the debt. 
XXXX TCC and American Express XXXX advantage of my XXXX XXXX, to run this scheme, and deprive me of my right to dispute fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. Please see attached file for these items I am complaining.

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 2024-06-13 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:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 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:
Please remove and block. 
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask that they be removed. You must take immediate action to delete this false information from my files.

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 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
In XX/XX/year>, there was an unforeseen occurrence regarding a missed payment with XXXX XXXX XXXX. Despite maintaining a flawless payment history up until that point, an inadvertent oversight led to the failure to meet the payment obligation. This deviation from the established pattern occurred due to a mistaken assumption that an auto-draft arrangement was in place to ensure timely payments. 

This isolated incident has had a regrettable consequence on my credit score, impeding my ability to proceed with a significant financial undertaking, namely the purchase of a home. Understanding the gravity of this situation, I am actively seeking assistance in rectifying this matter and restoring my credit integrity. 

I kindly request guidance and support in navigating the process of removing this adverse mark from my credit report. Any assistance provided in this matter would be sincerely appreciated, as it would significantly alleviate the repercussions of this unfortunate occurrence and enable me to proceed with my financial goals with confidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In XX/XX/year>, there was an unforeseen occurrence regarding a missed payment with XXXX XXXX XXXX. Despite maintaining a flawless payment history up until that point, an inadvertent oversight led to the failure to meet the payment obligation. This deviation from the established pattern occurred due to a mistaken assumption that an auto-draft arrangement was in place to ensure timely payments. 

This isolated incident has had a regrettable consequence on my credit score, impeding my ability to proceed with a significant financial undertaking, namely the purchase of a home. Understanding the gravity of this situation, I am actively seeking assistance in rectifying this matter and restoring my credit integrity. 

I kindly request guidance and support in navigating the process of removing this adverse mark from my credit report. Any assistance provided in this matter would be sincerely appreciated, as it would significantly alleviate the repercussions of this unfortunate occurrence and enable me to proceed with my financial goals with confidence.

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 2024-06-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: PA

Complaint narrative:
A man was XXXX XXXX XXXX two feet from my apartment door at XXXX XXXX on XXXX XXXX XXXX in XXXX XXXX, LA. XXXX XXXX XXXX. After the XXXX, and continued criminal activity following the XXXX, disrupted my daily life and XXXX XXXX XXXX, I reached out to XXXX XXXX XXXX, which kindly arranged free temporary housing for me. I had been living in the apartment next to the XXXX XXXX maintenance man, XXXX, and we spoke frequently. XXXX was also in his apartment during the XXXX, which happened feet from both of our front doors. I asked XXXX what I needed to do to get out of there. XXXX told me to have my apartment cleaned out and I would be good to go at the end of XXXX when my lease was up. My lease required thirty days written notice prior to termination, but XXXX and the woman in the XXXX XXXX office at the building on XXXX XXXX XXXX XXXX assured me that -- because of the XXXX  and other criminal activity -- I could complete the move-out process at the end of XXXX ( when my existing lease was scheduled to end ). I cleaned out my apartment and received text message confirmation from XXXX that I was good to go. If I recall correctly, XXXX XXXX kept my security deposit. 

A year and a half later, I got a letter from ProCollect claiming that I owed {$470.00}. I heard nothing from XXXX XXXX in the interim period regarding the fact that I owed a purported " debt ''. I timely disputed with ProCollect. I documented my dispute. ProCollect did not pursue the dispute process, nor did it send me the information required by the Fair Debt Collection Practices Act ( FDCPA ). I notified ProCollect that I disputed their claim, that they had failed to send information required by the FDCPA, and that I wanted to receive that documentation. Instead, ProCollect reported to the consumer credit agencies that I had a " derogatory account. '' I asked them via email and certified mail to remove that report pursuant to the FDCPA. They did not. 

ProCollect still has not sent documentation showing that I owe anything to XXXX XXXX. I emailed ProCollect on XX/XX/year> to make the same request. I have since then disputed the debt via the consumer credit agencies.

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 2024-06-13 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: VA

Complaint narrative:
XXXX illegally obtained my information from XXXX XXXX my account was already paid for and closed before XXXX XXXX switched over to nelnet they should not have had my information. They have also falsified loan documents and fasfa documents.

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 2024-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: KEYCORP
State: WA

Complaint narrative:
On XXXX XXXX 2024, I contacted Key Bank and discussed with a customer service agent named XXXX and an account supervisor named XXXX about my concerns regarding an XXXX XXXX XXXX XXXX  transaction that overdrew my checking account by {$240.00}. This includes the initial amount in dispute of {$160.00} plus overdraft fees. 

I originally notified Key Bank of a banking irregularity from an unscrupulous XXXX  at XXXX XXXX XXXX XXXX on XXXX XX/XX/year>2024, which the bank began processing on XXXX XX/XX/year>2024. Key Bank later denied the original banking dispute, claim number XXXX, and reversed its provisional credit on XXXX XX/XX/year>2024. Key Bank later added overdraft charges to the account. 

During the conversation thr account supervisor, who identified himself as XXXX, stonewalled me and stated the bank would not reinvestigate the situation. He wasted my time and insulted my intelligence with a phony offer that the Fraud Department within Key Bank would initiate a secondary investigation once I uploaded my information into their secure server. I immediately called out XXXX for gaslighting me and stated the XXXX XXXX XXXX XXXX XXXX XXXX twice pulled the money from my checking account and his their unscrupulous to behaviour behind the fee agreement to cover their tracks. 

XXXX XXXX XXXX XXXX presented this cover story during the initial investigation to Key Bank in order to shift both the blame and cost onto me. Since XXXX XXXX XXXX XXXX provides financial services to banks, its representatives can easily convince other financial institutions to drop banking investigations. XXXX XXXX XXXX XXXX operates under the " caveat emptor '' philosophy and refuses to accept any responsibility for unscrupulous XXXX XXXX that take money from their clients. 

Furthermore, a XXXX dynamic presents itself because Key Bank readily sided with XXXX XXXX XXXX XXXX and reversed provisional credit of a XXXX American client. Key Bank refuses to reopen and reinvestigate the issue, and none of its representatives will provide any reason for said refusal. Moreover, Key Bank added on punitive fees in because a XXXX American complained to one financial institution about unsavoury business practices of another. Key Bank also sent an email that threatened to close the account and report it to XXXX in direct retaliation for reporting on XXXX XXXX  XXXX XXXX and demanding that it reinvestigate my earlier claim. Key Bank punished me financially for calling out XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-13 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: ME

Complaint narrative:
I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing. 

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

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 2024-06-13 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: Experian Information Solutions Inc.
State: LA

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 explanation
Consumer complaint received 2024-06-13 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information 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 2024-06-13 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:
I wrote them and sent it certified mail about the information on my report was fraud. And them FCRA Case Decision 1681e ( b ) what is the standard for accuracy? I have never done business with them. I asked them to remove the errors on my report. To date, they have not removed these items because they are inaccurate and is harming my credit and my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: CA

Complaint narrative:
I wrote them and sent it certified mail about the information on my report was fraud. And them FCRA Case Decision 1681e ( b ) what is the standard for accuracy? I have never done business with them. I asked them to remove the errors on my report. To date, they have not removed these items because they are inaccurate and is harming my credit and my file.

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