vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-12 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:
Dear Consumer Financial Protection Bureau, I am writing this formal complaint against Transunion in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. 
My primary complaints are as follows : 1. Failure to Ensure Accurate Reporting : I firmly believe that Transunion has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations. 

2. Deviation from Established Reporting Standards : Based on my understanding of CDIA 's CRRG manual ( see CRRG 3-4 ), any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that Transunion may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information.

3. Lack of Documented Proof : Despite my attempts to contest the reported information, Transunion has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements.

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 2023-09-12 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In XXXX of 2023, I was informed that XXXX had closed my account due to the inability to verify my identity through their verification process. I requested that my account be recovered. However, I was informed that they would not be reopening my account and that I would not be responsible for any remaining balances. After this communication, I continued to receive emails stating that I needed to make a payment to my account or they would report me as delinquent to my credit bureau. Due to being told that my account was closed and held no responsibility, I called XXXX again. I was again reassured that they closed my account and that I would not be responsible. I was informed that there would be an expedited ticket, and I would hear from a representative soon. I later received an email that I had a message inside the secure messaging portal of my account. Due to the account being closed, I can not log in to view this message. So, I called the company again. I reported the same problem and requested to be contacted directly and not through the portal due to the fact that I could not access it. I was told that a note would be made, and someone would contact me via email. Again, I received an email stating there was a message in the portal. Around the same time, I was informed via Experian that my account had been reported as delinquent due to a late payment. I called XXXX again. They stated that they were sorry about the credit report and that another ticket would be opened and expedited. However, the issue was not resolved. I tried disputing the issue with my credit bureau, Experian, and provided the emails I received stating that the account was closed and that I would not be held responsible. However, after two disputes, I was told that XXXX stated that the information was true and a change would not be made to my credit report. I don't understand how the company can continue to claim that this information is true despite several communications stating otherwise. Today, XX/XX/2023, I called XXXX again and spoke with a manager, XXXX. He again stated that he was sorry for the inconvenience and would be opening another ticket making note to contact me directly and not through the portal. At the end of the call, he again confirmed that their development team sent me an email stating that the account was closed and I held no responsibility. I have a recording of this call and have attached it to this complaint. I don't understand why months have continued to go by, and they have continued to be allowed to report to my credit despite multiple communications stating that my account is closed and not delinquent.

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 2023-09-12 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: Affirm Holdings, Inc
State: OH

Complaint narrative:
In XXXX of 2023, I was informed that Affirm had closed my account due to the inability to verify my identity through their verification process. I requested that my account be recovered. However, I was informed that they would not be reopening my account and that I would not be responsible for any remaining balances. After this communication, I continued to receive emails stating that I needed to make a payment to my account or they would report me as delinquent to my credit bureau. Due to being told that my account was closed and held no responsibility, I called Affirm again. I was again reassured that they closed my account and that I would not be responsible. I was informed that there would be an expedited ticket, and I would hear from a representative soon. I later received an email that I had a message inside the secure messaging portal of my account. Due to the account being closed, I can not log in to view this message. So, I called the company again. I reported the same problem and requested to be contacted directly and not through the portal due to the fact that I could not access it. I was told that a note would be made, and someone would contact me via email. Again, I received an email stating there was a message in the portal. Around the same time, I was informed via XXXX that my account had been reported as delinquent due to a late payment. I called Affirm again. They stated that they were sorry about the credit report and that another ticket would be opened and expedited. However, the issue was not resolved. I tried disputing the issue with my credit bureau, XXXX, and provided the emails I received stating that the account was closed and that I would not be held responsible. However, after two disputes, I was told that Affirm stated that the information was true and a change would not be made to my credit report. I don't understand how the company can continue to claim that this information is true despite several communications stating otherwise. Today, XX/XX/2023, I called Affirm again and spoke with a manager, XXXX. He again stated that he was sorry for the inconvenience and would be opening another ticket making note to contact me directly and not through the portal. At the end of the call, he again confirmed that their development team sent me an email stating that the account was closed and I held no responsibility. I have a recording of this call and have attached it to this complaint. I don't understand why months have continued to go by, and they have continued to be allowed to report to my credit despite multiple communications stating that my account is closed and not delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Mr. Cooper has been harassing me with automated phone calls that demand I contact them " Within 24 hours '' while also making it impossible to reach a person. The automated system was giving me information that does not match what I was told when my loan was transferred. I needed to talk to a person to verify the information. Both the phone and chat systems told me that there was no one available to talk to every day for a week, while I was still receiving the calls saying I must contact them every day.

When I was finally able to reach a person on the XXXX  day of trying they made no effort to solve any of my problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: RI

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2023-09-12 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: RI

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
There was a collection on my credit report for {$660.00} from radius global solutions. It was not mine, it was for my XXXX XXXX XXXX daughter from XXXX for an XXXX visit. We contacted XXXX and they admitted their mistake because they thought my daughter was a minor. They took me off as the responsible party and they contacted Radius Global Solutions twice. I thought this would be an easy process because the bill really isnt mine. But, when I contacted the collection agency and spoke with XXXX XXXX she said that XXXX did contact them on XX/XX/2023 and removed the collection account from their office but they would not remove it from my credit because it has not been settled! WHAT?! I told her that is illegal and shady to try to collect from someone who doesnt owe the bill. They said they record their conversations so her saying that should be on record. I have also attached the bill showing that the bill is not even in my name.

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 2023-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I contacted Bank of America because I was not receiving e-alert emails for my account activity. I had numerous calls with Bank of America about this issue, and they repeatedly told me that there was nothing they could do about this. They told me to contact my email provider ( XXXX ) about this. XXXX told me that there was nothing on their end that would prevent me from receiving Bank of America emails. Because I couldn't get Bank of America to resolve this issue, I opened a complaint with the Better Business Bureau. I was contacted by XXXX XXXX from the Wealth Management Client Care Executive Escalations Team. This complaint is in reference to a letter dated XX/XX/XXXX that I received from XXXX XXXX that made false statements about what transpired in my communications with Bank of America about this issue. He stated that I " refused to process any troubleshooting requests '' and I " refused to allow a new e-alert to be established to test if adding the email address correct the issue. '' Both of these statements are completely false, and it is unacceptable for a Bank of America employee to make false and disparaging statements like this about one of their customers. On XX/XX/XXXX I contacted Bank of America and submitted a complaint about this employee and I was told I would receive a call back from Bank of America within 48 hours. It has been 2 weeks and I haven't heard back from anyone at Bank of America about this complaint. I called Bank of America back on XX/XX/XXXX, and spoke with a supervisor named XXXX and she didn't have any explanation as to why no one has contacted me. I told her that I will close my Bank of America credit card if I don't receive a call from them by XX/XX/XXXX. Its unacceptable to be treated like this by one of their employees and for Bank of America to not even contact me regarding the complaint I made about this employee.

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 2023-09-12 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: IN

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-09-12 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: DE

Complaint narrative:
Experian have volationed my right. I demand for them to pay in full for the statutory and actual financial damages they caused me for their non compliance. They never did a proper investigation. They are to also remove all accounts that is listed in my documents.

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 2023-09-12 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: FL

Complaint narrative:
I have attached an FTC report with fraudulent unauthorized 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 2023-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Commonwealth Finance bought old debt from XXXX XXXX XXXX XXXX XXXX and now has re-aged my account, which means they changed the date that the account first went delinquent, making the debt appear newer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: TX

Complaint narrative:
Hello XXXX, XXXX XXXX and Experian keep sending me stall letters every time I send them dispute letters. I have sent about 5 dispute letters regarding inaccurate information. They either respond with stall letters or they send back investigation results stating accounts have been verified. They are not telling me how they have been verified. 
I need an investigation because I still see inaccurate dates, balance, incorrect and incomplete information on my report. They are not doing their due diligence in making sure everything is 100 % accurate. They are violating the FCRA laws

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 2023-09-12 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: IL

Complaint narrative:
I am writing to complain to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX, and my social security number 's last four digits are XXXX. The FTC report numbers related with this complaint are XXXX and XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

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 2023-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: VA

Complaint narrative:
I used my debit card at a store for lunch. When I returned to work, something told me to check my account balance, once I checked it, I noticed 11 unauthorized transactions. I immediatly called my bank, they imformed me that I had to wait for the transactions to post to my account before they could start the dispute. The transactions are as followes : 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, and all within minutes apart. I received an email from Chime stating that no error occured and that they would not get my money back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, had violated my rights. 

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

15 U.S.C 1681 Section 602 A Section 2. Also states a consumer reporting agency can not furnish a account without my written consent.

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 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-09-12 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Credit Acceptance sent me a letter explaining that I agreed to terms and obligations that I did not agree to. This is complete Fraud on their part. I did not agree to a new payment schedule, I did not sign anything.

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