vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-01 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: PA

Complaint narrative:
I reviewed my credit report, and there were unverified/unauthorized accounts. I reached out to Transunion, XXXX, and XXXX about these issues and I have yet to receive a response. I have several accounts that were open due to fraud. I'm requesting that these accounts be removed immediately. 
XXXXXXXX XXXX XXXXXXXX Transunion XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Transunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Transunion XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Transunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX Transunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Tranunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2024-04-01 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: PA

Complaint narrative:
I reviewed my credit report, and there were unverified/unauthorized accounts. I reached out to XXXX, XXXX, and Equifax about these issues and I have yet to receive a response. I have several accounts that were open due to fraud. I'm requesting that these accounts be removed 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 XXXXXX/XX/XXXX Equifax XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax XX/XX/XXXX XXXX XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 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: PA

Complaint narrative:
I reviewed my credit report, and there were unverified/unauthorized accounts. I reached out to XXXX, Experian, and XXXX about these issues and I have yet to receive a response. I have several accounts that were open due to fraud. I'm requesting that these accounts be removed immediately. 
XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Experian XX/XX/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 non-monetary relief
Consumer complaint received 2024-04-01 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: Avant Holding Company, Inc.
State: FL

Complaint narrative:
Unauthorized credit card account opened and showing on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: VA

Complaint narrative:
There is not a more clear and obvious case of a company violating the FCRA than this. 

This relates to my disputes of inaccurate late payments on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am attaching a letter from XXXX XXXX to me. The letter clearly advises that XXXX XXXX submitted my Dispute to XXXX  on XX/XX/24. 

The letter goes on to advise me that Equifax never replied. XXXX XXXX clearly waited for the required 30 days before sending me the letter. 

The failure by XXXX XXXX XXXXnvestigate within 30 days and timely update my credit report is a clear violation of 611 - 15 U.S.C. 1681XXXX. They have a clear legal obligation to reply to XXXX XXXX ( reseller ) and convey the results as required by law. They filed to do so. 

( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Because the company failed to verify the accuracy of the items in question, the agency must IMMEDIATELY and PERMANENTLY delete them. This is a requirement of law, and not subject to excuses. There is indisputable proof the credit bureau failed to investigate or response within the time frame required. The proof comes in the form of a formal writing from another Consumer Credit Center that is attempting to comply with the law, but has been prevented from doing so by the credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My wife and I applied for a mortgage from NEWREZ ( XXXX XXXX XXXXXXXX ) to purchase a CO-OP APT XXXX At the end of XXXX we plan to sell this apartment and requested the bank 's mortgage servicing company, Shellpoint, to provide the collateral documents, including original Stock Certificate and Proprietary Lease in XX/XX/XXXX. 

The bank and the servicing company are supposed to provide either the collateral documents within 60 days, or they should provide a Lost Stock and Lease Affidavit if they have lost the document, however, as of today, aka XX/XX/XXXX the bank and servicing company are still unable to provide either original collateral related documents or Lost Stock and Lease Affidavit, despite the fact that we tried to reach out to them many times. 

Everyone in this closing transaction, including buyer, seller, agents attorneys, and board of the building are waiting for them to provide relevant documents. Every day of delay means a loss to my bank account for not being able to close the transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: PA

Complaint narrative:
I believe FCRA 605B mandates the elimination of any erroneous entries from my credit dossier. Can you verify the paperwork? Several of the recorded entries exhibit inaccuracies concerning reporting, incorrect figures, and dates.

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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit score was damaged because of a missed payment and high was caused by a faulty system by XXXX XXXX debit block. I. Three separate occasions I attempted to add XXXX XXXX XXXX as an approved payee through my chase business account. I received confirmation in my online banking portal on each occasion. Each time, XXXX blocked the debit resulting in a missed payment. This missed payment also caused XXXXXXXX XXXX to close a credit card that I had for 9 years. The combination of the missed payment and losing that card has significantly damaged my credit and prohibited me from new credit opportunities.

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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My credit score was damaged because of a missed payment and high was caused by a faulty system by XXXX XXXX debit block. I. Three separate occasions I attempted to add XXXX XXXX XXXX as an approved payee through my chase business account. I received confirmation in my online banking portal on each occasion. Each time, Chase blocked the debit resulting in a missed payment. This missed payment also caused Citi Bank to close a credit card that I had for 9 years. The combination of the missed payment and losing that card has significantly damaged my credit and prohibited me from new credit opportunities.

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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
My credit score was damaged because of a missed payment and high was caused by a faulty system by XXXX XXXX debit block. I. Three separate occasions I attempted to add American Honda Financial as an approved payee through my chase business account. I received confirmation in my online banking portal on each occasion. Each time, XXXX blocked the debit resulting in a missed payment. This missed payment also caused XXXXXXXX XXXX to close a credit card that I had for 9 years. The combination of the missed payment and losing that card has significantly damaged my credit and prohibited me from new credit opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: PA

Complaint narrative:
Kindly eliminate these inquiries. I possess no relevant information on them, and they were conducted without my authorization by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: PA

Complaint narrative:
Ensuring that payments are consistently made on time has been a priority for me with this account, ensuring that no payments have ever been overdue. However, I'm perplexed by the existence of late payment remarks associated with my accounts. Considering the provisions of 15 USC 1666b pertaining to billing errors, I believe these remarks should be addressed.

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 2024-04-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: OR

Complaint narrative:
XX/XX/2033 XXXX charged for services not received, phone number I never had, line I never requested, and phone that was returned. Had to file fraud charges with XXXX and get new account number. They sent me to XXXX credit agencies that refused the claim because it was fraudulent. Then they sent me credence resource management. This company is not even in the country or even continent. Can not contact themunable to accept your call at this time. Same story with email unable to send.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC
State: TN

Complaint narrative:
More than 2 months ago, I contacted Early Warning Services, over inaccurate information and the constant denial of bank accounts. 

There are several variations of names, misspelling, different addresses, and places I have never lived. 

Its been over XXXX days and the company has never responded to my concerns and I still continue to be denied a bank account over there false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-01 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:
Unauthorized credit card account opened an appears 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 explanation
Consumer complaint received 2024-04-01 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: PA

Complaint narrative:
I looked at my report on XX/XX/XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer report agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent a letter asking them to reinvestigate these accounts listed below because. 

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX. 
XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXXXXXX has violated my right. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2024-04-01 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: PA

Complaint narrative:
I looked at my report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer report agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent a letter asking them to reinvestigate these accounts listed below because. 

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my right. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
on XX/XX/24 a letter was sent to experian advising there was incorrect information reporting to my credit and they have yet to respond and correct the 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 2024-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
im already dealing with identity theft problems and when i was on the phone with XXXX i was told there was another account opened and that i owed XXXX by the company of XXXX XXXX XXXX XXXX XXXX got sent to Monterrey collection services and it was opened back in XX/XX/2023 XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: AZ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am outside the United States and I have problems with my account since it is blocked and I can not access my money in any way. I asked customer service for help and their only answer is that I must go to a financial center to update my data. I explained to them that at the moment I can't go to the United States since I'm traveling and also my money is stuck in my account. How do I buy a ticket to go if I don't have access to my account and they can't help me? I also have to pay my credit card and all my money is stuck in my account. No assistant has been able to help me with my case or given me other solutions. I understand that it is a security process but it is urgent to withdraw my money and I can provide all the information I need to unlock my account. I have all my account information but they just don't want to help me. I have called many times and none of them have been able to give me a solution, I also ask who else I could talk to who can help me and they don't tell me anything. I would like answers about my money and my 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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing ALL THE PAST AND PRESENT NEGATIVE REPORTS against me published by this credit bureau. THEY NEED A FAIR INVESTIGATION AND NOT JUST LISTENING TO THOSE BANKS THAT I DID NOT PAY MY DUES. IT MUST HAVE A REASON WHY IS THAT AND NEED TO TAKE THAT INTO CONSIDERATION. I told to the credit bureau last year that all the negative reporting against me starting the year of XXXX up to the present time had/have been resulted from gross fraud. No XXXX went to my pocket at all. I have all the evidences and instructions on how the scammer who used me to get access of the loan money from those banks. Please see attachment regarding the Police Report that I obtained. The detective 's name that handling my case on XXXX XXXX, XXXX from the XXXX XXXX Police Station in California : Detective XXXX XXXX. Direct telephone number : ( XXXX ) XXXX. The Police Report Number : XXXX. 

Also, the fraud that I had been a victim of was not under the category of Identity Theft. It was much bigger crime that I had been a victim of that the FBI has now taken my case very seriously which was not very common for this law enforcement agency to take the case from an individual victim. 

Therefore, the FBI XXXX XXXX is taking the lead of my case as of XX/XX/XXXX up to the present time. Please see attached. 

If you need any more evidence from me that I got scammed big time, please let me know or feel free to reach out with the Feds in XXXX XXXX, California whose handling my fraud case currently. 

PLEASE STOP ENTERTAINING THOSE DEBT COLLECTORS AND BANKS WHO MADE DEROGATORY REMARKS ABOUT ME. THIS IS NOT FAIR AT ALL. IT IS VERY DEMEANING. OTHERWISE, I MAY HAVE TO TAKE LEGAL ACTION ON YOU.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation