vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-19 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: TN

Complaint narrative:
I am writing to express my deep concern regarding several disputed accounts on my credit report. Despite multiple requests for these inaccuracies to be investigated and corrected, I have yet to receive a satisfactory resolution. These incorrect entries are severely affecting my credit file, and the resulting negative impact is significantly hindering my ability to manage my financial affairs and live a normal life. 

The continued presence of these inaccuracies has caused considerable hardships, and I am left with no choice but to plead for your prompt and thorough assistance in rectifying this matter. I respectfully request a comprehensive investigation into the reporting of each disputed account, with a focus on ensuring that the necessary corrective actions are taken without further delay. 

It is imperative that my credit report reflects accurate information so that I can restore its integrity and regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift corrective action. 

Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: MA

Complaint narrative:
In accordance whit the fair credit reporting act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( a ) 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.

Delete the accounts below. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
This company has impacted my credit score and I have no contract with them. I am requesting that this be removed from my credit score. The companys is Columbia debt recovery for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-09-19 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: MA

Complaint narrative:
I wrote to XXXX in XXXX and asked for the removal of the accounts mentioned below for inaccuracies. they have not removed them. I request the immediate removal of the following negative items from my credit report, as they are unjustly affecting my creditworthiness : XXXX XXXX have not been provided with an account number or details, yet this account appears on my credit report. I can not validate this account, and I believe it should be removed if they can not provide appropriate information. 

XXXX XXXX  have no open accounts with XXXX XXXX, yet I am being reported for delinquent accounts every month. I request that the CFPB ask XXXX XXXX to validate these accounts or remove them 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 non-monetary relief
Consumer complaint received 2024-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
Received a phone call XX/XX/XXXX from Lockhart , Morris & Montgomery INC stating they were attempting to collect a medical debt. I had no knowledge of this account and asked for information of the debt. They said it was for service XX/XX/XXXX at XXXX XXXX XXXX XXXX and I advised that I have never been ven heard of this medical facility nor been to a facility during that time frame. It is not even the hospital nor medical facility in my county. I advised that this is fraud and they stated it was not reporting to my credit bureaus and they would submit for dispute. Then days later it is reporting on my XXXX report. I attempted to dispute through XXXX which had been no help whatsoever. I have been lied to by this creditor who said it was not going by to report on my credit and have suffered a massive impact to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: NY

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 non-monetary relief
Consumer complaint received 2024-09-19 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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NJ

Complaint narrative:
I am writing to formally document the situation regarding my student loan debt with XXXX XXXX, which was sent to Heartland ECSI in XXXX. I spoke with a representative who negotiated a plan for me to begin payments starting on XX/XX/XXXX, and I was advised to call again in XXXX to confirm this arrangement. 

However, on Tuesday, XX/XX/XXXX, when I logged into my account to make a payment, I noticed that the system showed I had missed four months of payments. Additionally, I found out that my debt had been transferred to another collection agency, despite my prior arrangements and communication. 

I am requesting clarification on this matter, as it appears there has been a misunderstanding or error. I would appreciate your assistance in resolving this issue and ensuring my payment plan is correctly reflected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I am the treasurer of the XXXX XXXX, a 501 ( c ) 3 organization that supports a local elementary school in XXXX, MA. On XX/XX/year> someone spoofed the email address of the XXXX president and requested a payment through Paypal. After subsequent email exchanges on XX/XX/year> at XXXXXXXX XXXX I initiated the payment in the amount of {$4800.00}. I received a call from the XXXX president immediately that it was not in fact a request from them. I contacted PayPal, could not get through to customer service on the phone so I filed a fraud claim with PayPal. I concurrently contacted our bank, XXXX XXXX. XXXX XXXX froze our account so that when PayPal attempted to debit the funds the following business day ( XX/XX/year> ) the transaction was rejected. PayPal have advised that there is nothing they can do according to the terms of the transfer and if we do not send the {$4800.00} to PayPal they will send this money for collections. PayPal has the bank account information of the individual who committed fraud and therefore has recourse to getting those funds back. They however are making no effort to do so. If they know a fraud has been committed then surely they have an obligation to help remedy the issue and should not be able to hide behind their terms and conditions at the expense of their customer. I am seeking assistance in getting PayPal to try to recover the funds so that I do not need to either XXXX ) pay out of pocket after being the victim of a fraud or XXXX ) create a deficit for the XXXX XXXX and therefore not be able to support the teachers, students and families of the school.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 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: FL

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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 2024-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This is a following up complaint of complaint XXXX. 

Chase Bank has been holding {$30000.00} of my funds for over six months, without providing any updates or resolution. Initially, Chase stated that they were unable to verify a check I deposited due to issues with phone numbers for the maker. Despite my cooperation in providing the information requested, Chase has not taken additional steps to verify the check or resolve the issue. 

I am concerned about the lack of transparency and effort from Chase to verify the check through alternative means, such as contacting the issuing bank or reviewing the deposit documentation. The extended delay has caused significant financial strain, and six months is an unreasonable length of time to hold my funds without any clear progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2024-09-19 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: MD

Complaint narrative:
XXXX with XXXX XX/XX/XXXX. I'm always on time with payments and this would be considered my XXXX late payment with a new card that I applied for XX/XX/XXXX with XXXX. My original purchase was for {$2400.00} which I was understood that the {$99.00} annual fee was included. With this knowledge I paid off the balance in full for the {$2400.00} on XXXX. Apparently, XXXX sent out a statement then on XX/XX/XXXX with the separate charge of the {$99.00} annual fee and I never received the card in the mail nor the statement. I typically pay off balances as soon as I can and was under the impression my balance was paid in full. I learned on XX/XX/XXXX when I was applying ( and denied ) for a HELOC loan with XXXX  that I had a delinquency with XXXX. Being completely unaware, as I paid off my balance on XXXX and have not since used this card, I was in shock so I contacted XXXX immediately. They are helping me to resolve this and the issue has been escalated as well a written letter sent into to resolve. They were able to take off the late fees and interest charges and I paid the annual fee amount of the {$99.00} on XX/XX/XXXX as soon as they let me know this was not in my original purchase ( that I paid off ). I would like this to not impact my credit score as I've worked hard to get it where it is and this one mishap took it down over XXXX points. I hope someone is able to help me resolve this issue.

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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-19 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: NY

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 XX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

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 2024-09-19 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: NC

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-09-19 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: NY

Complaint narrative:
I am not associated with these inquiries or the listed creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
There was an overdrawn amount of {$1100.00} paid it full on Monday XX/XX/XXXX. I was advised after paying the balance ( debt ) I would than be able to open a checking account, that was false information, they say one thing to me as a customer and another to a branch banker, I have tried all steps and still nothing. Either they allow me to open a new checking account or refund my money back and I assume all responsibility of the debt because it is super unfair that they provide misinformation and bring hopes up. Account was closed a year ago for high risk? I never did any money laundering, or take advantage the account. I was even told to allow 6 months to re open the account and again false 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 explanation