vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 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: PA

Complaint narrative:
TRANSUNION XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXX account XXXX. XXXX XXXX account I was notified by your company regarding an alleged debt. I have reason to believe I do not owe this debt because I believe you have me confused with a different person. 

I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in Pennsylvania. 

Because I am writing to you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. 

If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor.

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 2024-12-30 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: VA

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from 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 explanation
Consumer complaint received 2024-12-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from report, they are hurting my ability to obtain credit.

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 2024-12-30 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: CARCO Group, Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 
My SSN # XXXX. Date of Birth is XX/XX/year>. 
My phone number is XXXX and email address is XXXX I am providing you with a copy of my driver license and a recent utility bill for your immediate review. 
The reason why you are receiving this correspondence is because I do not want your organization to release, disclosed Debt Information to any credit Bureaus or reporting agencies. I do not consent or give direct permission for your organization to release any information in regards to my credit profile. 
I want to opt-out of my information being shared and I personally request that a security freeze be placed on my credit profile within 30 days of receipt of this correspondence. 
I have notified XXXX, XXXX and XXXX regarding a security freeze on my profile. I strongly request that your company take immediate action towards my initial request to Opt-Out and place a Security Freeze. 
I declare, under penalty of law, that to the best of my knowledge, the information supplied above, and all accompanying information is true and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Have had extensive discussions with several lawyers. Suggestions, references and conclusions attached, with other relevant files. 

Bottom line per the lawyers : 1. Nobody tells anybody what the meaning of a legal written statement is doing that would turn the US legal system into a talk show.

2. Within the US legal system the meaning of a written legal statement is determined from the statement itself, and only. The wording is everything.

3. A properly written legal statement can have one and only one reasonable interpretation.

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 2024-12-30 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I just found several inquiries from your company on my credit report, and Im beyond upset. I never authorized them, and now my credit score is taking a hit. This is directly affecting my ability to manage my finances, and Im tired of dealing with the fallout

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 2024-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
XXXX XXXX reported me to TransWorld Systems with a debt that I owed them. I told TransWorld this was a mistake and that I did not owe XXXX, providing them a receipt. I also supplied an email correspondence with XXXX where they verified they were at fault. TransWorld told me that this wasn't enough despite a forwarded email and screen shots. After a while, XXXX stopped answering and TransWorld wouldn't tell me if they had reported me to a credit agency or not. 
At this point, I am incredibly frustrated and contacted XXXX  on social media. They were also dismissive, telling me that email is the best way to contact them and thanking me for understanding. 
Though it isn't a large amount of money, I do not want to pay for XXXX 's mistakes at all and think they should be responsible for clearing this. I also don't understand why TransWorld isn't accepting their email to me as proof that the mistake was not on my end but on XXXX 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synovus Bank
State: NJ

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion i have an issue with TransUnion, updating my paid accounts. 
In the past they report my credit card payment as paid. They also report that the account has been paid in full. My credit points drop to XXXX points. I still have that credit card open. 
This happens with any credit card, I pay this time it was the XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On Monday XX/XX/XXXX I went to TD Bank on XXXX XXXX XXXX XXXX Massachusetts XXXX and I was met with a store supervisor named XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX # XXXX I asked her about a prior account I had open back in XXXX with my XXXX  ID because right now I have alot of fraud that is done to my name and she informed me they don't do XXXX  accounts anymore and proceeded to look up my account upon looking up my account she informed me that I had a account back in XXXX that was opened with my driver 's licence I informed her that I never processed a driver 's li 's enc and that was fraud she begin to get nervous and tell me she can't help me after I requested the information of the alleged drivers liscences and cellphone number so I can get a police report done on it for fraud because I never had a driver 's li 's enc and a 20 year lien was put on all my personal assets for a court case I had back in XXXX were the judge placed a lien on all my personal assets including any ID 'S... 
SHE ( XXXX ) decided not to continue to help me even though she already got into my account because she seen her bank is engaged in fraud I can't get a bank account at TD Bank cause of no ID but someone was obviously posing as me and opened up a account in my name and information.I had to leave because she would not help me there is a XXXX $ debt acquired but I know that there is a bigger plot to this cause I have paperwork from the sec of different investments companies that TD Bank offers in its investment departments there are federal and state fraud cases going on right now under my name

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was charged for services that I did not request or authorize by Best Buy XXXX XXXX dating back to XXXX of XXXX. The charges began to show on my account on XXXX of XXXX. I have contacted both Best Buy and Citi Bank to have this problem fixed multiple times a month for the past 7 months. Each entity states they have erased the fraudulent debt but it is still reporting on my credit and tremendously destroying my once impeccable credit score. I am continuously on the phone with both entities and they do not seem interested in reversing the illegal activity that they have roped me in. Please 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 monetary relief
Consumer complaint received 2024-12-30 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: OK

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: NY

Complaint narrative:
I am writing to formally request that the following accounts and inquiries be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. These accounts and inquiries were created or made without my authorization, and I seek to have them removed from my credit report. 
Accounts to be Blocked and Deleted : XXXX XXXX XX/XX/XXXX {$00.00} Inquiries to be Blocked and Deleted : XXXX XXXX  XXXX. XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally request that the following accounts and inquiries be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. These accounts and inquiries were created or made without my authorization, and I seek to have them removed from my credit report. 
Accounts to be Blocked and Deleted : XXXX XXXX XX/XX/XXXX {$00.00} Inquiries to be Blocked and Deleted : XXXX XXXX  XXXX. XX/XX/XXXX XXXX  XXXX XXXX XX/XX/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 2024-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Service International Corp
State: OH

Complaint narrative:
I received emergency room medical treatment at XXXX XXXX XXXX located in XXXX, FL on XX/XX/XXXX. My insurance apparently did not take affect until the following day, which I was completely unaware and was under the impression I was covered. When I received the bill I spoke with the hospital and they stated I may qualify for financial hardship. 

I provided the requested documentation and filled out every form they needed and I was advised that it would be under review and that they would contact me once a decision has been made. I contacted the XXXX XXXX XXXX XXXX who billed me also and advised them of the status and that I applied for financial hardship. They stated ok and I was advised that if the hospital grants me the financial hardship request that more than likely the XXXX XXXX XXXX bill will also be waived. 

I thought we were all on the same page. I even followed up with both groups months later and I was advised that my request was still pending. There was nothing I could do to speed anything up. The XXXX XXXX XXXX XXXX apparently sent my bill to collections anyway and I was completely harassed by these people and did not care that my request was pending. The collections agency info. is posted below. 

XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  not once provided me any documentation of this debt, they never once sent me proof that this debt was legitimately affiliated with their office after my request. I did not receive a decision from the hospital until XX/XX/XXXX advising that they granted my financial hardship request. This collection company still reported me to all the major credit reporting agencies regardless and it destroyed my credit instantly. 

My credit score dropped XXXX points, which in return has negatively affected my employment opportunities during a background check and obtaining a place of my own. I had to move back in with my parents at the age of XXXX. I provided this information along with copies of the letter advising of the hospital 's decision to XXXX XXXX XXXX XXXX  weeks ago and followed up with them twice and they keep stating they are looking into it and keep giving me the run around. 

There is nothing further to look into. I am requesting that the amount in {$1300.00} be removed from my credit score immediately. I have already spoke to legal counsel and I have been advised should I decide to proceed forward that I have a case and I am willing to not go this route if my request is granted. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document, I am a victim of identity theft. I have multiple accounts and inquires that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity and have enclosed copies of the report, I would like these items deleted from my credit report 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 explanation
Consumer complaint received 2024-12-30 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: GA

Complaint narrative:
EXPERIAN HAS COMMITTED IDENTITY THEFT AND FRAUD. FAILURE TO A PROPER REINVESTIGATION REQUEST. I received a copy of my credit report and noticed inaccurate Information reporting. Pursuant to, 15 USC 1681, Accuracy and fairness of a credit Report. According to the law, before any information is inserted to my consumer report, it must be accurate and fair Information reporting. ACCOUNTS : [ XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ] PLEASE PROVIDE THE DISCLOSURE FORMS RECEIVED IN YOUR INVESTIGATION WHEN ACCOUNTS WERE FIRST PLACED ON MY CREDIT REPORT.

15 USC 1681 ( g ) ( a ) 1 The federal law states there is a description of the procedure attached to my file and I have the right to request all of the information in that file. ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT TO A 3RD PARTY SUCH AS A CONSUMER REPORTING AGENCY.

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 2024-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Abbott Osborn Jacobs PLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX has violated Section 392.307 of The Texas Finance Code and Section 1066.26 of The Code of Federal Regulations by attempting to collect on a Time-Barred Debt. Ive received correspondences from XXXX XXXX XXXX and Abbott Osborn & Jacobs both collecting on the same debt at the same time which is impractical. Neither debt collector disclosed that the account was a Timed Barred Debt. Failure to disclose a Time-Barred Debt is a direct violation under Section 392.307 ( c ) ( e ) of The Texas Finance Code. I have filed an additional complaint with The Office of The Attorney General to further disclose XXXX XXXX XXXX XXXX business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: GA

Complaint narrative:
I submitted a dispute for XXXXXXXX XXXX XXXX  as this information is reported inaccurately on my credit report. After their alleged investigation, they returned stating that they would keep the information on my report without any change, deletion or other remedy. I hereby demand that XXXX, TransUnion and XXXX clearly details what their reinvestigation procedure was for this dispute.

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 2024-12-30 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: GA

Complaint narrative:
I submitted a dispute for XXXXXXXX XXXX XXXX  as this information is reported inaccurately on my credit report. After their alleged investigation, they returned stating that they would keep the information on my report without any change, deletion or other remedy. I hereby demand that XXXX, XXXX and Equifax clearly details what their reinvestigation procedure was for this dispute.

Company response to consumer: Closed with explanation