vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: FL

Complaint narrative:
I contacted the company on XX/XX/XXXX. I was told by the debt collections service that they would mail be out an application to fill out about the issue of identify theft. 
When I asked if they could explain the process or provide any further info, the person remarked that it would all be explained in the application they would mail me. 
I called the local police to report this in XXXX XXXX XXXX, FL for my zip code XXXX. 
They advised me to file a report with the FBI due to the fact that it is a XXXX crime and also due to that large amount, I filed a complaint also with the XXXX Complaint Referral Form on XX/XX/XXXX at XXXX. I am waiting to hear back, hoping that they will contact me. 

I already have an electronic block on my social security number. Also, I have a freeze and an identity theft alert on my experian, XXXX and XXXX accounts. 
I reported a previous incident that happened on XX/XX/XXXX with case number XXXX. They were able to identify that incident as identify theft. 

However, this is now happening again and I would like to see what else can be done to prevent it. These are 2 charges of identity theft that have now be placed on my credit report. 
XXXX XXXX XXXX XXXX  XXXX Account Information Address XXXX XXXX XXXX XXXX, WA XXXX Phone XXXX XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY XX/XX/XXXX, XXXX PM View Credit Report | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$13000.00} Date Updated XX/XX/XXXX High Balance {$13000.00} Original Creditor XXXX XXXX  XXXX XXXX  XXXX XXXX  Past Due {$13000.00} Pay Status >Collection< Estimated month and year this item will be removed XXXX/XXXX Remarks >PLACED FOR COLLECTION< XXXX XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX WA XXXX Phone ( XXXX ) XXXX Date XXXX XX/XX/XXXX XXXX Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Balance {$3100.00} Date Updated XX/XX/XXXX High Balance {$3100.00} Original Creditor XXXX XXXX XXXX  Past Due {$3100.00} Pay Status >Collection< Estimated month and year this item will be removed XXXX/XXXX XX/XX/XXXX, XXXX PM View Credit Report | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Remarks >PLACED FOR COLLECTION<

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I ensure that my payments are always made on time. However, I find it perplexing that this company occasionally reports me as late in certain months, which is not accurate. As per USC 1666b, any billing errors should be rectified promptly and reflected as paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I ensure that my payments are always made on time. However, I find it perplexing that this company occasionally reports me as late in certain months, which is not accurate. As per USC 1666b, any billing errors should be rectified promptly and reflected as paid as agreed.

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 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I ensure that my payments are always made on time. However, I find it perplexing that this company occasionally reports me as late in certain months, which is not accurate. As per USC 1666b, any billing errors should be rectified promptly and reflected as paid as agreed.

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 2024-05-29 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: WI

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with XXXX XXXX, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2024-05-29 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: TX

Complaint narrative:
I have provided Experian with all up to date information for my credit report as Experian has accounts that are still reporting an their closed. I have reached out to Experian to get these accounts removed from my credit report and they had failed to do so. Every time I call Experian they never are able to speak with a customer service support member no one answers.

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 2024-05-29 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 found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-05-29 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: IL

Complaint narrative:
I am writing to follow up on my previous complaint regarding the discrepancies, unverified, and inaccurate negative items on my credit report. Despite my earlier communication, these erroneous entries remain unresolved, which is highly concerning and unacceptable.

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 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: AL

Complaint narrative:
There is a Legal Hold on my XXXX Account, and my funds are XXXX and they will not provide me with any additional information. I have filed an XXXX  report and following up with this CFPB report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
In XXXX of XXXX I paid off a charge card for XXXX, XXXXXXXX XXXX. I ask that the card be cancelled. I was told that it was canceled. I received a bill from them in XX/XX/XXXX that I owed them for finance charges. I notified them both by telephone and XXXX that this account was closed and I should have no further obligations to them. In XXXX of XXXX I was informed on my credit report ( Trans Union ) that the account was derogatory, and or in collections. I started a dispute. Several of them up to present day. I discovered this account was sold to XXXX XXXX. I contacted them, they performed an investigation and found me in good standing. I was sent a letter from XXXX XXXX stating they could find no wrong doing on my part. I forwarded this letter several times attached to my dispute to Trans Union. I also made several attempts to contact XXXX XXXX. They told me over a year ago it wasnt their responsibility to remove this off my credit report. It was XXXX responsibility since they took over for collections. 
XXXX told me it was XXXX responsibility because they initiated the report. 
Now XXXX unable to reach XXXXXXXX XXXX and neither has Trans Union. 
I need your assistance to resolve this matter. Ive done nothing wrong. I feel that Im being taken advantage of by the Creditor, XXXX XXXX XXXX XXXX 
I paid this card off and it was stated in the investigation by XXXX XXXX. 
I have the right to have this removed immediately 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 2024-05-29 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: WI

Complaint narrative:
On XX/XX/XXXX I submitted a complaint through the CFPB website portal. In regards to an account by the name of " XXXX XXXX '' that Equifax has placed on my personal credit report. I filed several disputes online as well with Equifax requesting them to reinvestigate the accuracy, completeness and validity of the account information. But on XX/XX/XXXX after Equifax had done their investigation. They sent me the results from my recent dispute. And it stated that XXXX XXXX  claimed that the account information was accurately being reported. Which in fact is not true, because " the date of first delinquency '' under this account is being reported on two different dates. One date says XX/XX/XXXX and the other date says XX/XX/XXXX? I'm demanding that Equifax remove this account entirely off my credit report. For failing to conduct a proper investigation on my behalf to protect my consumer rights under the Fair Credit Reporting Act. [ Enclosures : Photo Drivers License, Bank Statement, Equifax Dispute Results and Intent To Sue Letter ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Repeated failures to meet established deadlines and timelines for updates and reporting on the bureau 's handling of this investigation, most recently the unmet 30-day deadline stated in your previous memo.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: NC

Complaint narrative:
Repeated failures to meet established deadlines and timelines for updates and reporting on the bureau 's handling of this investigation, most recently the unmet 30-day deadline stated in your previous memo.

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 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX XXXX. XXXX Complete XXXX told us my vehicle needed a XXXX XXXX on the XXXX to fix the problem I was having with my vehicle. We paid for a complete diagnostic. They did not mention anything about XXXXXXXX XXXX at that time. We decided to allow them to complete the work on the XXXX XXXX because of what they stated their results of the diagnostic report. On XX/XX/year>, XXXX Complete XXXX contacted us to say my vehicle was ready for pick up. After I paid {$2300.00}, They gave me the key and I drove my vehicle off the lot. When I reached the Stop sign the vehicle started to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called my XXXX ( XXXX XXXX ) from the vehicle and explained what I was experiencing. I drove my vehicle home to my husband ( XXXX XXXX ). I was Completely and utterly Furious. We then took my vehicle back to XXXX Complete XXXX. I stayed outside and my husband ( XXXX ) went inside to speak to them. Two weeks later, they called to say the vehicle had been fixed correctly this time. They also stated that the work they have done carried a years warranty on parts. On the bottom of the invoice, I paid the XXXX XXXX states they have a Warranty on parts and labor for 12 months or 12,000 miles whichever comes first. 

On XXXX XXXX I set out to drive to see my grandchildren. My vehicle ended up stopping at XXXX XXXX XXXX at XXXX. I had to contact insurance and it was a nightmare. I was on the side of the road for at least an hour before the tow truck came. I had to end up being taken to the XXXX XXXX XXXX for the night because there was no other place to take my vehicle. The next morning after going through 3 additional tow truck drivers, my vehicle ended up at XXXX XXXX XXXX XXXX in XXXX XXXXXXXX XXXX After speaking with XXXX at XXXX XXXX XXXX XXXX, He stated that there was NO WAY possible XXXX Complete XXXXXXXX did not know my vehicle did not need a brand-new XXXX. XXXX XXXX XXXX just put a bandage on an already XXXX XXXX  in hopes it would work.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I discovered a Paypal Credit account on my credit report over 6 months ago that I did not open. I have called three times and spent over 3 hours on the phone trying to get the account closed. Each time I have assured it will be taken care of, and each time I receive a new statement with the balance transferred to a new account. I have a letter from XXXX bank dated as far back as XX/XX/XXXX stating they will close the account, and I received yet another statement dated and XX/XX/XXXX for {$5500.00}

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 explanation
Consumer complaint received 2024-05-29 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-29 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-29 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: TX

Complaint narrative:
Pursuant to XXXX XXXX XXXX, I owe no debt. And upon looking at my credit report I noticed According to the FCRA a consumer reporting agency shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about who the credit report relates. And according to XXXX XXXX XXXX, 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 the info is not accurate. ACCOUNT ( XXXX ) XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: TX

Complaint narrative:
Pursuant to XXXX XXXX XXXX, I owe no debt. And upon looking at my credit report I noticed According to the FCRA a consumer reporting agency shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about who the credit report relates. And according to XXXX XXXX XXXX, 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 the info is not accurate. ACCOUNT ( 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED This unauthorized account is not mine, and I did not authorize its establishment. Please delete this inaccurate account from my records.

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 2024-05-29 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:
When I had viewed my credit report there were hard inquiries that were not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
The Mattress Firm / Synchrony Bank credit card was offered and I opened an account based on the deal associated with purchasing a mattress / bed. After a couple years of payments, Synchrony Bank is now trying to change the deal by adding new fees not part of the original deal. Specifically : Paper Statement Fee. We will charge a {$1.00} Monthly Paper Statement Fee to your account. We will charge this fee in any billing cycle in which your balance is greater than {$2.00} and you are sent a monthly billing statement in paper form, even if you also are provided it in electronic form. You can avoid the fee each billing cycle you are provided your monthly billing statement only in electronic form. To make an election regarding the form of your monthly billing statement, please sign up for or log in to our servicing site. 

Additionally, on their web site they don't guarantee the security of my information and suggest I take precautions. Another online account is another opportunity for online identity theft.

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 2024-05-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have been a victim of Identity theft since XXXX when I noticed items on my credit report that did not belong to me. I started to receive billing statements and late notices from XXXX XXXX in XXXX, I NEVER took out services or ordered service from XXXX, it was part of identity theft. I called XXXX, sent them FTC reports, police reports and the item was deleted from my credit report. Recently the debt was sold to XXXX XXXX XXXX, a collection company who has contacted me by email, mail, phone calls and has reported this debt that does not belong to me to all 3 credit bureaus. I previously contacted XXXX XXXX in XXXX of XXXX, sent them proof the debt did not belong to me. They removed the collection from my credit report. Today I notice they have placed the collection back onto all 3 credit bureaus and have sent me another collection notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: MD

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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