vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-21 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: MD

Complaint narrative:
Recently, I did an investigation on my consumer credit report and I found several items on there to be inaccurate. Under 15 U.S. code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S.Code1681i ( 5 ) Treatment of inaccurate or un, verifiable information ( A ) In general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, any item or information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please Remove the following items from my credit report, immediately : 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  In addition to these fraudulent accounts, I've noticed several hard inquiries 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 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Recently, I did an investigation on my consumer credit report and I found several items on there to be inaccurate. Under 15 U.S. code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S.Code1681i ( 5 ) Treatment of inaccurate or un, verifiable information ( A ) In general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, any item or information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please Remove the following items from my credit report, immediately : 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. In addition to these fraudulent accounts, I've noticed several hard inquiries XXXX XXXX, XXXX XXXX XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
A payment scheduled for XX/XX/year> in the amount of {$4400.00} from my Citizens Bank Checking account to be applied to my Citizens Cash Back Plus account was rejected without reason or notification. At the time of the scheduled payment there was sufficient balance satisfy the payment. Interest in the amounts of {$120.00} and {$31.00} were charged to my account as a result. 

Subsequent phone calls to Citizens Bank customer service and Citizens Cardholder Services I was offered the explanation that because of an account change that occurred between the date the payment was scheduled and the actual date of payment.

This limitation is not mentioned in either the Citizens Cash Back Plus Cardholder Agreement or the Citizens Digital Terms and Conditions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-22 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: GA

Complaint narrative:
I am requesting for the original copy of the agreement & terms and conditions. Failure to comply will forfeit your claims and will require you to delete all of the listed items. You are required to do what Im asking & block these transactions from being reported to my consumer report WITHIN 4 days from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE. 

XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX {$730.00} XXXX XXXX  XXXX XXXX Opened XXXX XXXX {$600.00} XXXX XXXX XXXX Opened XX/XX/year> {$410.00} XXXX  XXXX XXXX Opened XXXX XXXX {$66.00}

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am requesting for the original copy of the agreement & terms and conditions. Failure to comply will forfeit your claims and will require you to delete all of the listed items. You are required to do what Im asking & block these transactions from being reported to my consumer report WITHIN 4 days from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE. 

XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX {$730.00} XXXX XXXX XXXXXXXX XXXX Opened XXXX XXXX {$600.00} XXXX XXXX XXXX Opened XX/XX/year> {$410.00} XXXX  XXXX XXXX Opened XXXX XXXX {$66.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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: VA

Complaint narrative:
I used to think the economy was bad, but after seeing my credit report, its clear whats really worse the errors that are tanking my credit score. It's beyond frustrating to deal with all this incorrect information, and its causing me serious stress. As a consumer, I have the right to an accurate report, but instead, I'm stuck in this mess. Its ironic, too, because Id probably need therapy for the stress, but I couldnt even pay for it since my cards would get declined thanks to these wrong details on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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 am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 
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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
Pennymac is reporting XXXX days late on my credit report and I made a payment of XX/XX/XXXX of XXXX. It was an ACH payment confirmation number XXXX. I uploaded my bank documents reflecting a payment being made for XXXX as well as an additional payment. Pennymac agreed to Credit me the late fee and it would be mailed to me and someone would contact me about the additional payment. This is the 2nd time someone has stated someone would contact me regarding my payments. I never had any problems with Pennymac until now. This late payment is damaging to my credit score and my XXXX on time payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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: TX

Complaint narrative:
This is really concerning, the security of my personal information seems to have been compromised as there are items on my report that do not appear to be associated with me. My personal information have been accessed by unauthorized individuals.

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 2024-10-22 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel pissed since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-10-22 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: MO

Complaint narrative:
I recently contacted law enforcement agency & submitted an ID Theft report. My consumer report has multiple misinformation fraudulent accounts opened using my personal information. This violates FCRA section XXXX & section XXXX ( a ) ( XXXX ) & my right to privacy. 

Accounts ; XXXX XXXX, XXXX XXXX XXXX Address ;. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX undefined

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 2024-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I paid my debt of {$410.00} to the debt collector Midland Credit Management on XX/XX/year> and in return, they were supposed to remove the account from my credit report. It has not been removed and it is still reporting negatively on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I received a fraud alert from Chase, which led me to discover XXXX unauthorized transactions on my Chase debit card : {$92.00} at XXXX XXXX XXXXXXXX XXXX XXXX ) {$6.00} at XXXX XXXX ( XXXX XXXXXXXX XXXX  ) I did not authorize these transactions and promptly reported them to Chase as fraudulent. I also filed a police report regarding the theft of my wallet ( XXXX XXXX : XXXX ). Chase initially issued a provisional credit of {$99.00} while they investigated the claim. 

However, Chase later removed the provisional credit and denied my claim, asserting that the transactions were authorized. Additionally, Chase incorrectly stated that I had not included the XXXX XXXX transaction in my dispute, when in fact I had clearly listed both transactions in my initial report. 

I am requesting that Chase reinstate the provisional credit of {$99.00} and provide the details and evidence they used to determine that these transactions were authorized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-22 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: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verifiedthat these item are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section XXXX ( a ) ( XXXX ). Please be advised that under Section XXXX ( a ) ( XXXX ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section XXXX and Section XXXX provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX and XXXX XXXX XXXX XXXXXXXX

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 2024-10-22 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:
Recently, I did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under XXXX XXXX Code XXXX ( b ) and XXXX XXXX Code XXXX ( XXXX ) these accounts are in violation of not reporting 100 % accurate.

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 2024-10-22 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under XXXX XXXX Code XXXX ( b ) and XXXX XXXX Code XXXX ( XXXX ) these accounts are in violation of not reporting 100 % accurate.

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 2024-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
On my XX/XX/year> credit card statement for my XXXXXXXX XXXX XXXX XXXX account I was charged the {$99.00} annual fee. I made a call to customer service because I did not want to pay the annual fee and requested that the card be changed to the XXXX XXXX XXXX account that had no fee. I had both types of XXXX XXXX XXXX credit cards with the bank. But previously without any notice to me the bank closed the XXXX XXXX XXXX account that had no fee. They closed the no fee account and left the annual fee account open.There was no warning. There was no notice to me. What happened when I called to have my open credit card account with the {$99.00} dollar annual fee changed to a no fee credit card account type, I was told they would not do that. If I wanted the no fee account I had to submit a new application for that credit card. This was after they of their own accord closed the no fee account I had open. I want to point out that I requested to and spoke to a supervisor about this problem. His name was XXXX and he was very rude and showed no respect to this customer. He was arrogant and obnoxious.

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 2024-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: TX

Complaint narrative:
Beginning of 2024, I receive a letter in the mail about a debt. I called the debt collector and ask them about the debt, because I do not recognize it. The debt collector tells me that the statute of limitations has lapsed, and I don't need to worry about the debt. I ask them to confirm that no action is needed on my part, and they give me a phone number to contact for a firm that gives advice regarding this information. 

I called that phone number, and the person on the other line confirmed that the statute of limitations has passed, and there is nothing I need to do. 

In the summer, the debt collector begins to call me non-stop again. In XXXX, I answer the phone, and a different person answers this time. I explain to her that someone from her company told me I don't need to do anything and the statute of limitations has passed, and she insists that I have this debt and I need to pay it. I tell her I don't know what the debt is for, and she hangs up the phone on me. XXXX days later, I receive a letter in the mail saying " we have received your dispute regarding the validity of the above-referenced account '' accompanies with verification of debt. 

The letter has no information about how I dispute the debt, nor does it have a time frame in which I must do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: IN

Complaint narrative:
After going through my credit profile I had saw quite a few inquiries that do not belong 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 non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: PA

Complaint narrative:
My wife and I moved out of the XXXX XXXXXXXX XXXX ( XXXX XXXXXXXX XXXX ) at lease termination date of XX/XX/year>. We provided a forwarding address and expected our security deposit monies to be sent within 30 days. After 30 days, we began requesting the security deposit monies returned and those requests went unanswered. After these same 30 days, no notice or communication was provided to indicate that we had any past due charges owed, and still no security deposit monies returned. Then on XX/XX/year>, the XXXX XXXX XXXX ( Parent company : XXXX XXXX XXXX XXXX XXXX XXXX ) sent our names to a debt collector ( I.Q. Data InternationalXXXXXXXX XXXX ) without ever communicating to us ( email or mail ) that any past due charges ever existed. In fact, no past due charges existed. 
We immediately appealed the total amount due ( {$270.00} ) with the debt collector. Within weeks after receiving our appeal, my wife 's name was sent to collections and now appears on all 3 credit bureaus and has lowered her credit score. In XXXX, a landlord has 30 days to either : refund any security deposits owed to a tenant, or, to provide that tenant a notice of any charges alleged to be owed. XXXX XXXX XXXX did not do either of these. In addition, without merit, and having just received our appeal, I.Q. Data Internation still sent my wife 's name to collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America has incorrect information of my information and they are reporting this personal information as accurate when it not.

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