vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-08 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: CA

Complaint narrative:
I have continuously asked XXXX to remove the erroneous information regarding a phone number that is used to contact me which is not my number nor have I ever had this number that they keep listening on my credit report for the personal statement the phone number they keep putting on my credit report is ( XXXX ) this is not my phone number nor has it ever been and somebody has been hacking and tampering in and I am a victim of identity theft they have put this phone number across all three credit reports I reported it to XXXX they still refuse to remove it even after I made a statement they took it off XX/XX/XXXX I got an alert from one of my other credit monitors stating that was removed and I never requested it it has no expiration date my personal statement and I have proof I would like to submit copies of what they're posting my phone number is XXXX and has been for years and it's the same number that's in my profile experience is assisting these people in targeting me they have a leak in their system

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Trans union continue to keep this fraud debt collection on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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, XXXX XXXX  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 inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2024-03-08 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2024-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
It's unacceptable to see this late payment on my account, as I've always made payments on time. Please remove it and update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: NJ

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

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 2024-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: NM

Complaint narrative:
Truist locked access to my account for seemingly no reason that I can determine. They refuse to tell me why, and have locked access to my money unless I travel from XXXX, AZ to Maryland to present an ID. After several hours and speaking to numerous employees and supervisors they are still refusing to release the lock on my account, causing me to be delinquent on rent and bills. I WANT COMPENSATION FOR ALL DAMAGES.

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of XXXX XXXX. I researched on how to remove the fraudulent items in my report and found that I need to visit XXXX XXXX XXXX or XXXX XXXX XXXXXXXX to file a XXXX XXXX report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an XXXX XXXX report, and mine was under reference # XXXX. Please find the ATTACHED documents to assist in the removing of the inaccurate address and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN : XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged XXXX XXXX not later than XXXX XXXX days after the date of receipt.

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 2024-03-08 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so.

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 2024-03-08 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: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so.

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 2024-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: DApps Platform, Inc.
State: FL

Complaint narrative:
The support team only sent me this : Hi, Thanks for contacting us and being a valued Trust Wallet user. 
We appreciate your patience, as we address an exceptionally large volume of requests which has contributed to longer response times. 

For most common issues, explanations and answers can be found in our online guides : Sending cryptocurrencies ( incl. network/gas fees, memos, etc. ) Missing funds Show/hide a coins and tokens on homescreen ( potentially relevant for inbound transactions not showing up ) Receiving crypto ( incl. whats my address? address invalid, etc. ) Transaction not received Lost phrase ( Restore a Multi-Coin Wallet ) Report Scams Liquidity Mining Scams Issues with crypto purchases Swap coins- Dex Guide UTXO / Dust Balance errors ( unable to send BTC ) guide Trust Wallet FAQs and Troubleshooter ( unsure, or other issues ) If you have further questions, please reply to this email with a detailed description of your issue including any relevant screenshots, addresses, transaction hash ( es ), etc. and our team will get back to you as soon as they can. 

I have sent numerous screenshots and proof of my stake and the never ending change of the UNSTAKE date. I staked these coins early XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: A.R.M. Solutions, Inc.
State: FL

Complaint narrative:
Over the past several months, I have attempted to resolve/dispute an outstanding balance for pest control services. I've given XXXX XXXX XXXX and A.R.M. Solutions Inc. ( collection agency ) proof of my payments for services from screen shots of my bank account statements. This started in XX/XX/2023. I continue to get collection notices. If I call A.R.M. ( collection ) they tell me to call XXXX and if I call XXXX they've taken my proof of payment but doesn't seem they've notified the collection agency. I feel this is unfair debt collection practices at this point because they keep asking for proof and I'm tired of providing it multiple times.

{$380.00} outstanding for two quarterly services at my former residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Earnest Inc.
State: OR

Complaint narrative:
I have been XXXX and unable to work since XX/XX/XXXX, as determined by SSA ( I am receiving XXXX benefits ). I have a private student loan from Earnest , Inc. from XX/XX/XXXX that allows for discharge due to XXXX, specifically Section H paragraph 5 ( b ) of the Loan Agreement ( attached here ) which reads : " You will discharge ( forgive ) my Loan if... I become XXXX and XXXX XXXXXXXX XXXX XXXX XXXX as defined below. In order to establish XXXX XXXX XXXX XXXX I must demonstrate to your satisfaction that I am unable to engage in any substantial gainful activity due to a physical or mental impairment that : ( i ) can be expected to result in death ; ( ii ) has lasted for a continuous period of not less than sixty ( 60 ) months ; or ( iii ) can be expected to last for a continuous period of not less than sixty ( 60 ) months. A doctor of medicine or osteopathy, authorized to practice in the United States, must describe and certify my XXXX status on your XXXX discharge application form. '' I requested the XXXX discharge application from Earnest and submitted it to them along with the requested information from my doctor and my SSA benefits letter in XX/XX/XXXX ( attached here ). Having been legally determined to be XXXX since XX/XX/XXXX, my understanding is that I should qualify for XXXX discharge according to clause ( ii ) in the Loan Agreement paragraph quoted here ( 60 months after XX/XX/XXXX would have been XX/XX/XXXX ). 

However, my application was rejected. The rejection letter ( attached here ) defines " XXXX XXXX XXXX XXXX XXXX' as " the inability to work in any occupation due to a condition that began or deteriorated after the date of the loan and the XXXX is expected to be permanent " However, this language does not appear anywhere in the Loan Agreement that I signed. It's unknown if my XXXX will be permanent or not, but that should not be relevant based on the language that Earnest put in their own Loan Agreement. Language in a customer service notice does not override language in a signed contract. Earnest should abide by the language in the Loan Agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: OH

Complaint narrative:
I'm not familiar with this company. I don't recall conducting any business with said company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: NJ

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: IN

Complaint narrative:
RE : NOTICE OF INVESTIGATION As the Authorized Representative of this account, over the past 4 years I have made subsequent attempts to have the accounts reasonably investigated in accordance with the FCRA, FDCPA and GLBA, which have all been ignored. Your violation of willful non-compliance has injured my credit reputation and caused me harm, stress as well as put me in grave danger. 

NOTICE : REQ PROOF OF AUTHORITY Due to it being apparent that TRANSUNION is in possession of the consumers personally identifiable financial information aka non-public personal information and reporting unlawfully and without permissible purpose. I am conducting a FULL investigation on TRANSUNION, and therefore I require that TRANSUNION responds and provides the following proof in the form of a signed affidavit sworn under the penalty of perjury by an officer that has the authority to execute this affidavit on behalf of TRANSUNION and to bind the same to its provisions of the following ; ( outlined in the attached document ).

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 2024-03-08 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: AL

Complaint narrative:
I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 non-monetary relief
Consumer complaint received 2024-03-08 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: CA

Complaint narrative:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Transunions persistent failure to remove inaccurate and unverifiable information from my credit report. Despite multiple attempts and the submission of substantial proof validating the inaccuracies, Transunion has not taken appropriate action to rectify the situation. This ongoing negligence has negatively impacted my credit score and financial well-being. I request the CFPBs intervention to ensure that Transunion promptly investigates and corrects these discrepancies in accordance with the Fair Credit Reporting Act. Your assistance in resolving this matter is highly appreciated. 



1. Accurate Reporting ( Section 1681e ) : This section outlines the responsibilities of consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports.

2. Duty to Correct and Update Information ( Section 1681i ) : This section establishes the consumers right to dispute inaccurate information and mandates that consumer reporting agencies conduct a reasonable reinvestigation to correct or remove inaccurate information. 
3. Reinvestigation of Disputed Information ( Section 1681i ( a ) ( 1 ) ( A ) ) : This subsection details the procedures that consumer reporting agencies must follow when investigating and correcting disputed information.

4. Duties of Furnishers of Information ( Section 1681s-2 ) : This section places responsibilities on entities that furnish information to consumer reporting agencies, requiring them to provide accurate and complete information and to investigate and correct any inaccuracies upon notice.

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 2024-03-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
According to Section 1681i ( 7 ) of the U.S. Code, the method used to verify this account is flawed as it was reported without sufficient evidence.

I want to emphasize that I did not open these accounts nor did I authorize anyone to do so on my behalf. I have been disputing these entries for some time now. While I acknowledge the importance of accurate reporting, I firmly believe these items are erroneous. Therefore, I urge you to investigate these matters and promptly remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Kindly eliminate these inquiries. I lack any information on this matter, and the company proceeded without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I do not understand why they have place this collection on my credit report. these items were not to be reported to my credit because they were paid in full of my settlement. XXXX XXXX XXXX XXXX  account XXXX report these 6 items of collection on these items are mis reporting and are wrong and I want these items to be removed from my credit report. They never contacted me and they should have reach out to my attorney or myself they are wrongfully reported.

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 2024-03-08 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: IL

Complaint narrative:
Keeping payments on this account consistently prompt has been my practice, avoiding any instances of overdue payments. I'm unsure why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, necessary corrections should be enacted.

Company response to consumer: Closed with non-monetary relief