vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 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: NJ

Complaint narrative:
I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TRANSUNION. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 
Details of the Complaint : 1. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy. 
2. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report. 
3. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer. 
4. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.

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 2024-11-15 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: FL

Complaint narrative:
Dear [ CFPB ], I am filing an urgent complaint regarding fraudulent charges and accounts that appeared on my credit report. I am a victim of identity theft, and unknown individuals have opened accounts in my name without my consent. Despite my repeated attempts to resolve this, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate these transactions. These fraudulent accounts were initially removed from my credit report but were later re-reported without proper notification. The accounts were reinstated without notifying me within the required 5-day window, as mandated by 15 U.S.C. 1692g ( Validation of Debts ), which constitutes a clear violation of my consumer rights. Additionally, the accounts are reported with inconsistent dates across different bureaus, suggesting further inaccuracies. The failure to notify me and provide the necessary documentation is illegal and violates my rights under 15 U.S.C. 1681 ( Fair Credit Reporting Act ) and 15 U.S.C. 1681s-2 ( a ) ( 1 ), which prohibits the furnishing of inaccurate information to credit reporting agencies. These unlawful actions have caused significant harm, and I demand immediate removal of these fraudulent accounts from my credit report. I am prepared to pursue legal action against both the bureaus and creditors involved for their failure to comply with federal law and protect my consumer rights. 

Thank you for your prompt attention to this matter. 
THESE ARE THE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-15 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: SC

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank charging overdraft fees stating account was overdrawn. 
Bank took over 2 weeks to deduct payment amounts which caused my checking account to go on a negative. 
Saturday morning of XX/XX/year>XXXX  I called my account and operator stated there were funds of around {$300.00}. I had plans to go to XXXX Tuesday morning. I went first on Sunday and spent {$29.00}. Went back on Tuesday XX/XX/year>XXXX  & my transaction of {$170.00} was declined. I asked cashier to allow me to swipe my card again, and it was declined a second time. 
I asked if there was a ATM machine to take out the cash and when I attempted pulling funds out of the machine, I was denied again. After all the confusion, I contacted US Bank Customer Service. The operator stated they were experiencing technical difficulties to try again later. Finally, they sent me to the fraud department and asked verification questions. I informed them of what was going on with being declined when I just used my card 2 days ago and had over {$300.00} in my account. They said I was now at a negative {$100.00}. I asked how was that, if I had the funds of over {$300.00} in there and hadn't touched the money purposely so that I would be able to get my groceries. The representative stated that it was because I made a {$500.00} payment to my credit card. I told her that payment was made the beginning of XXXX, why and how is it that the bank took this long to deduct the money from my account; leaving me all along with the impression of having sufficient funds in my account. If there is a payment made the funds/amount should be automatically deducted no more than 2 weeks to process. I then get a letter stating I owed them more money, which added up now to {$150.00}. This isn't the first time the bank has done this to me, it's happened over 4 times this year. I been banking with them for 24 years when they once were XXXXXXXX XXXX XXXX XXXX. I never had this issue before. Now that they have transitioned to US Bank, they've made a lot of changes and aren't keeping up with transactions. I am now being charged for what is there error ( s ) & I most likely am not the only consumer this is happening to.

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 2024-11-15 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: LEXISNEXIS
State: TN

Complaint narrative:
My information was compromised during the XXXX data breach. I am a paid Defendant of that case. Please assist me in enforcing the block provisions of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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, HAS VIOLATED MY RIGHTS. 
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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
The company is continuously causing damage to my credit by sharing inaccuracies on my credit and their also reporting without consent and its been over seven years!

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 2024-11-15 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: ASAP Credit Repair
State: CA

Complaint narrative:
I began utilizing ASAP Credit Repair 's services on XX/XX/year>. On XX/XX/year>, I received an email indicating that my disputes had been submitted to the three major credit bureaus, along with a list of the creditors that were being disputed. Unfortunately, after this communication, I did not hear from the company for two weeks. My attempts to contact my account manager didn't seem to work. 

On XX/XX/year>, I expressed my concerns in an email with a letter of concern attached to ASAP Credit Repair, asking for someone to contact me as my account manager had been unresponsive for an extended period. The manager replied, promising that my concerns would be addressed and that such a lack of communication would not happen again. 

Following this, I requested a copy of the letters that had been sent to the credit bureaus. I felt this was important for my records and to ensure that the services I am paying for are being carried out properly. However, the owner refused to provide me with copies of these letters, despite my insistence that I am entitled to this information. 

I am extremely concerned about the lack of communication and transparency from ASAP Credit Repair, as well as their refusal to provide me with essential documentation. I kindly request the assistance of the CFPB in addressing this matter and helping to ensure that my rights as a consumer are respected. 

Thank you for your attention to this issue. I look forward to your prompt response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-15 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:
Today, I checked my credit report and noticed that there's an inquiry that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report, it is stressing me out and making me anxious.

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 2024-11-15 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: MD

Complaint narrative:
I am asking for your help with this incorrect account showing on my credit report. The issue has hurt my reputation as a customer, and I need your assistance. These accounts should be taken off due to inaccurate and negative reporting.

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 2024-11-15 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: NY

Complaint narrative:
Sent in DISPUTES WEEKS AGO DISPUTING THE LATE PAYMENTS ON SEVERAL ACCOUNTS. I WAS NEVER LATE ON ANY OF MY PAYMENTS.ON ANY OF MY ACCOUNTS. AND I WAS NEVER GIVEN THE DISCOUSURES IN ( 15 USC 1637 ( B ) 21 DAYS PRIOR TO THE DUE DATE UNDER 15 USC 1666 b ) I REQUESTED THAT THE ACCOUNTS AND DATES BE UPDATED TO PAID ON-TIME, PAID AS AGREED, NEVER ; LATE. THE ACCOUNTS ARE STILL REPORTING LATE PAYMENTS WICH IS A VIOLATION OF THE FCRA.. I AM REQUESTING " THE METHOD OF VERIFICATION '' USED IN VERIFING THIS INFORMATION BY YOUR COMPANY. IF THESE ACCOUNTS ARE NOT UPDATED TO PAID AS AGREED, PAID ON-TIME, AND NEVER LATE, I WILL BE SEEKING FOR DAMAGES UNDER THE FCRA IMMEDIATELY. YOU HAVE 15 DAYS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: NY

Complaint narrative:
Sent in DISPUTES WEEKS AGO DISPUTING THE LATE PAYMENTS ON SEVERAL ACCOUNTS. I WAS NEVER LATE ON ANY OF MY PAYMENTS.ON ANY OF MY ACCOUNTS. AND I WAS NEVER GIVEN THE DISCOUSURES IN ( 15 USC 1637 ( B ) 21 DAYS PRIOR TO THE DUE DATE UNDER 15 USC 1666 b ) I REQUESTED THAT THE ACCOUNTS AND DATES BE UPDATED TO PAID ON-TIME, PAID AS AGREED, NEVER ; LATE. THE ACCOUNTS ARE STILL REPORTING LATE PAYMENTS WICH IS A VIOLATION OF THE FCRA.. I AM REQUESTING " THE METHOD OF VERIFICATION '' USED IN VERIFING THIS INFORMATION BY YOUR COMPANY. IF THESE ACCOUNTS ARE NOT UPDATED TO PAID AS AGREED, PAID ON-TIME, AND NEVER LATE, I WILL BE SEEKING FOR DAMAGES UNDER THE FCRA IMMEDIATELY. YOU HAVE 15 DAYS.

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 2024-11-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: WI

Complaint narrative:
Today XXXX amsher called me about debt from XXXX amounting to XXXX . I was advised upon switching phone carriers from XXXX that there was no balance due. When I received the call I attempted to dispute my debt as is my right under the fair debt collections practices act and they refused to honor my dispute and abruptly hung up on me. The customer service rep was brash, abrasive and rude.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Accredited Collection Service, Inc.
State: NE

Complaint narrative:
I suffered a devastating loss when my XXXX daughter passed away in a tragic accident, which led to subsequent XXXX  issues. My XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Following weeks of XXXX, I incurred a debt of {$29000.00} with Account Accredited Collections. Despite attempts to pay what I could, their demands exceeded my financial capacity. They advised taking a home equity loan or risking foreclosure. As a single-income household with two other XXXX  children, I struggle to make ends meet. Recently, I received notice of an additional 7 % interest on the outstanding balance. I'm uncertain about how to proceed without risking loss of my home.

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 2024-11-15 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-11-15 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've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-11-15 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: VA

Complaint narrative:
I recently reviewed my credit and noticed fraudulent activity on my report. Please remove all fraudulent activity as it is hurting my ability to obtain credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I attempted to schedule a wire transfer through the online banking portal in the amount of {$73000.00}. I received a voicemail from an XXXX to call back to verify any information, i disregarded the voicemail. I ended up calling Chase bank through my 800 # on the back of my debit card. I was transferred to the money movedement department to answer some questions to authorize the wire transfer. I provided the answers backed to the rep and they said my transfer would go out tomorrow. The following day XX/XX/year> around XXXX, i spoke to another rep from XXXX XXXX verified my identity and was asked to answer more questions. I responded to the rep and was told the 2nd review would review and my wire would go out the following day and that if i have any issues, i can call XXXX department back to assist with setting up another hour. An hour later, i saw that my wire transfer request was rejected. I called back, had to through a more extensive identity verificaiton process, thereafter for the rep to tell me they could not assist me in setting up a wire transfer. I requested escalation and asked to file a complaint internally which was ignore as the first rep and escalacation supervisor ignored my request. I expressed my frustration and articulated my answers from the security questions and was informed by the escalation rep that response was not documented correctly. I was asked to go through the online banking portal to re-initiate a wire transfer and that they have documented my responses and that the wire would go out tomorrow XX/XX/year>. This morning, i received an email from Chase that that wire transfer was rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: SC

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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 2024-11-15 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: SC

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 

I never owned this debt and I never signed an agreement or gave any documentation to even start a contract with them. I asked for supporting documents they refuse to show. This debt is not mine. I requested Proof of ID, Residency, Handwritten Signature & Supporting Documents To Prove This Debt Is Mine.

Company response to consumer: Closed with explanation