vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 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:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

DEPT OF EDUCATIONXXXX 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 2024-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/XXXX my wife and I opened a joint checking account through Huntington Bank. Shortly thereafter, on XX/XX/XXXX we started regularly using the account. As of today XX/XX/XXXX my wife was unable to login to her account. We called the bank as of this evening to find out why and suddenly the bank is closing our account with no reason given. We have our entire livelihood within this bank, and have already closed our other accounts as to not incur fees for them being inactive. With Huntingon Bank closing our accounts with basically no notice and no reason they have made me unable to pay my mortgage or put food on my table. I feel as if the company is discriminating against me for some reason whether it be my race or occupation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX I received notification from XXXX that Capital One had pulled a credit check without any authorization by me. This hard pull has negatively impacted my credit score.

I contacted Capital One that same day and they would not give me information as to why this was done. Instead that I must write them a letter including all of my personal information to them disputing what they had done. I should not be inconvenienced by their unethical and unauthorized business mistakes and practices. 

I hadn't inquired about credit or an increase from them. There was no reason or authorization by me to pull my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: GA

Complaint narrative:
I am writing to dispute the following item on my credit report, which I believe is the result of identity theft : Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Description : Fraudulent credit card account I have enclosed a copy of my Identity Theft Affidavit from IdentityTheft.gov, which details the fraudulent activity, along with the following supporting documents : A copy of my government-issued photo ID as proof of my identity A copy of a recent utility bill or bank statement as proof of my address A copy of my credit report with the disputed item highlighted Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are required to block the reporting of information identified as resulting from identity theft within four business days of receiving this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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:
Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts and have no knowledge of their origins. Pursuant to USC 1681g, I formally request their removal within 15 days. Attached are the relevant documents for your review and consideration.

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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've submitted a dispute to XXXX in XX/XX/year>. The dispute was submitted via certified mail due to fraud. XXXX was supposed to process my dispute within 4 days and have failed to process and update my credit report with accurate information within the four days per FCRA law.

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 2024-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC
State: MA

Complaint narrative:
On XX/XX/XXXX my XXXX XXXX bank account showed a XXXX balance from a legal hold appeared on my bank transaction. I had to wait until Tuesday XX/XX/XXXX to call - thy told me a legal garnishment from lawyers stating they are collecting a debt is the reason. They gave me the number to call the XXXX XXXX XXXXXXXX XXXXoffice where XXXX XXXX spoke to me about beign a thrid party debt collector for XXXX  company. She said I have been sued I signed documents opening an account an dthat also i was served in XXXX at my XXXX XXXX address and signed the paperwork in acknowledgement. She sent documents and told me to go over the doc s and she will call me back. She never called back I call leaft messages and email and theres no response. I told her on the phone an dvia email I am not aware of said company, nor any items that she listed. In XXXX my then girlfriedn and I lived in another address not the address listed on the documents. In XXXX I didn't owe big screen tv, or a computer I was far from tech savvy. I did not own much in VA my life started when I moved to XXXX, started school, a career job and got engaged. My fiance has helped with all my paperwork as I am XXXX. We have never heard of this debt- I have never signed anything i have never owned any of the items they claim. My fiance is well aware of all the documents or debt i have. She has helped to clean up my credit report - this company is not on my report. These people seem bogus as they claim to be a third parrty company who bought a debt then at the same time they are saying they are lawyers collecting a debt. They have a court date for XX/XX/XXXX. I live in XXXX and have work. They already took a hold on my account though trying to steal my money. Please help. I looked online and saw the company has been scamming many other- there were lawsuits that paid out in the millions in different states. They seem to switch banks or even names to collect funds. This must be stopped. 

I attached the documents they sent me on XX/XX/XXXX - docs I've never seen a day in my life an di have ever signed. And I did not reside at that address in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by the consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall____ ( i ) promptly delete that item of information from the file of the consumer, or modify that the item of information, as appropriate, based on the information from the results on the reinvestigation : and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT IMMEDIATELY : 1. XXXX XXXX XXXX 2.XXXX  3.XXXX 4.XXXX  5.XXXX  XXXX 6.DPT ED/ XXXX 7.XXXX  XXXX  8. XXXX  9. 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 2024-11-20 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by the consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall____ ( i ) promptly delete that item of information from the file of the consumer, or modify that the item of information, as appropriate, based on the information from the results on the reinvestigation : and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT IMMEDIATELY : 1. XXXX XXXX XXXX  2.XXXX  3.XXXX 4.XXXX  5.XXXX XXXX 6.DPT ED/ XXXX  7.XXXX  XXXX  8. XXXX  9. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed : {$9900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: NV

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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: NY

Complaint narrative:
Subject : Request for Method of Verification and Continued Dispute of Charge-Off To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification. 3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law.

Thank you for your attention to this matter.

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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can XXXX XXXX with my family.

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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
XXXX Missing Credit File Information Today, I attempted to file an online dispute with XXXX regarding a cyber scam incident negatively impacting my credit. However, when I logged into my XXXX account, all my banking and credit card information was missing. Since I could not complete the dispute online, I contacted XXXX via telephone to complete the dispute, but they could not retrieve my information. I spoke to an agent at an XXXX call center in XXXX, and they were insulting and unprofessional. The call ended without a resolution. 

XXXX and PayPal XXXX XXXX  I am writing to bring to your attention a distressing situation in which I was the victim of a cyber scam, often referred to as a " XXXX '' scam, that has resulted in significant financial and emotional distress for me. XXXX and PayPal view them as legitimate transactions when they are not. I filed a police report and reports with the Colorado AG 's XXXX, the FTC, and the FBI 's IC3 unit. 

On XX/XX/year>, an individual posing as a Good Samaritan approached me online and offered to assist me with my credit card charges in exchange for my participation in a " pay it forward '' act of kindness. Believing in their goodwill, I agreed and subsequently transferred funds to a supposed needy individual, only to later realize that it was a fraudulent scheme. 

Despite my good faith efforts to resolve the situation and dispute the charges with XXXX and PayPal, both institutions have refused to acknowledge the fraudulent nature of the transactions and have insisted that the charges are legitimate. As a result, my XXXX card now shows a negative balance of {$2400.00}. 

Moreover, when the scammer realized that their deceit was uncovered, they escalated the situation by threatening me with physical harm, which exacerbated my sense of vulnerability and fear. 

I am seeking your intervention in this matter to help rectify the situation. The details of the scam are as follows : Date of Incident : XX/XX/year> Amount Lost : {$1800.00} ( Current negative balance - {$2400.00} ) Methods Used : Online communication via XXXX Threats Received : Threats of physical harm upon the scammer 's discovery I urge the CFPB to take this matter seriously, assist in holding the responsible parties accountable, provide guidance on how I may recover my losses, and ensure that these charges are not deemed legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: DISCOVER BANK
State: CO

Complaint narrative:
XXXX Missing Credit File Information Today, I attempted to file an online dispute with XXXX regarding a cyber scam incident negatively impacting my credit. However, when I logged into my XXXX account, all my banking and credit card information was missing. Since I could not complete the dispute online, I contacted XXXX via telephone to complete the dispute, but they could not retrieve my information. I spoke to an agent at an XXXX call center in XXXX, and they were insulting and unprofessional. The call ended without a resolution. 

Discover and XXXX XXXX  XXXX  I am writing to bring to your attention a distressing situation in which I was the victim of a cyber scam, often referred to as a " XXXX '' scam, that has resulted in significant financial and emotional distress for me. Discover and XXXX view them as legitimate transactions when they are not. I filed a police report and reports with the Colorado AG 's XXXX, the FTC, and the FBI 's IC3 unit. 

On XX/XX/year>, an individual posing as a Good Samaritan approached me online and offered to assist me with my credit card charges in exchange for my participation in a " pay it forward '' act of kindness. Believing in their goodwill, I agreed and subsequently transferred funds to a supposed needy individual, only to later realize that it was a fraudulent scheme. 

Despite my good faith efforts to resolve the situation and dispute the charges with Discover and XXXX, both institutions have refused to acknowledge the fraudulent nature of the transactions and have insisted that the charges are legitimate. As a result, my Discover card now shows a negative balance of {$2400.00}. 

Moreover, when the scammer realized that their deceit was uncovered, they escalated the situation by threatening me with physical harm, which exacerbated my sense of vulnerability and fear. 

I am seeking your intervention in this matter to help rectify the situation. The details of the scam are as follows : Date of Incident : XX/XX/year> Amount Lost : {$1800.00} ( Current negative balance - {$2400.00} ) Methods Used : Online communication via XXXX Threats Received : Threats of physical harm upon the scammer 's discovery I urge the CFPB to take this matter seriously, assist in holding the responsible parties accountable, provide guidance on how I may recover my losses, and ensure that these charges are not deemed legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Company response to consumer: Closed with non-monetary relief