vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY THEFT THERE ARE ACCOUNTS ON MY CREDIT REPORT THAT I DID NOT AUTHOURIZE OR BENEFIT FROM. I HAVE TRIED TO GET THIS ISSUE RESOLVED SEVERAL TIMES BUT NOBODY SEEMS TO HELP ME I AM LOSING SLEEP OVER THIS I AM GOING THROUGH EMOTIONAL DISTRESS AT THIS POINT IF THIS ISSUE IS NOT RESOLVED I AM GOING TO SUE THE BUREAUS THEIR JOB IS TO REPORT FAIR AND ACCURATE INFORMATION I HAVE FILED AN FTC REPORT AND BY LAW THOSE ACCOUNTS SHOULD BE BLOCKED WITHIN 5 DAYS OF RECEIPT. THIS IS MY LAST ATTEMPT TO TRY AND GET THIS RESOLVED OUTSIDE THE COURT

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 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, 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:
I have reviewed my credit report, and there is information that I feel is incorrect. This information has been on my credit for a long time, and it should not be there. Please check the attached documents.I do not think that I ever owed the amounts on these accounts, that I ever owed as much as is shown, and I have no idea who these accounts are from because I have never done business with them.

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 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have reviewed my credit report, and there is information that I feel is incorrect. This information has been on my credit for a long time, and it should not be there. Please check the attached documents.I do not think that I ever owed the amounts on these accounts, that I ever owed as much as is shown, and I have no idea who these accounts are from because I have never done business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TN

Complaint narrative:
A mediator from a legal complaint department ph # XXXX states my husband opened an account with HSDC for a {$500.00} limit Platinum Mastercard in XX/XX/XXXX and made payments up until XXXX of XXXX. She stated notuces were sent to our address that we never received. My husband has never owned a Platinum Mastercard. She had his name, job description, address, and social security number and claims we are being sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I have a loan with XXXX  and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX and XXXX reporting me having late payments. There was an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The loan I had was Paid off because the Car was Totaled in a car accident. Insurance Paid the Car off even to the company. the loans that are in my name are not mine. I have two bill from this company and not sure why. I need this to End. Delete this off of my account. this account has been charged off with a XXXX  Balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

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 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Ive sent two dispute letters to investigate inquiries that are unauthorized to remove them or provide proof with my signature that I requested credit from these alleged creditors. Its been over 60 days and nothing has been removed nor have I received proof

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 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Since XX/XX/2021 Transunion has been violating my consumer rights by incorrectly reporting someone elses address and accounts onto my account. I have sent numerous proofs of identification and address verification to this company. They have no only ignored me but kept me on the phone for hours telling me these addresses and accounts are mine. I investigated with their data furnisher and the creditors and they do NOT have information related to me or any account opened with them.

This has all led to much strife in my family life and has prevented me from applying for unemployment benefits, being approved for business credit, and purchasing a vehicle. This company acts in an abusive manner to the consumer. This is not a frivolous complaint. This information needs to come off my report now.

The following address and attached accounts NEVER belonged to me.I have submitted my proof of identification and address along with utility bills multiple times and they continue to report and ignore me. Remove the following addresses and stop violating my consumer rights : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, CT XXXX Remove the addresses associated with these accounts Immediately!!! 

ACCOUNT NAME/ACCOUNT # 1 ) XXXX XXXX 2 ) CT CHILD SPY XXXX 3 ) 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 explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
On XXXX I sent out letters, certified mail, to XXXX, TransUnion, and XXXX stating that they are all in violation of the FCRA [ Fair Credit Reporting Act ] and are furnishing information without my consent and selling said information for profit, this is identity theft. I have also included an Affidavit of Facts with my letters that states who I am [ consumer, natural person, creditor ), the laws, the violations of the laws, and my demands for remedy. I am also sending this complaint via CFPB to ensure that it is documented that I am being taken advantage of and trying to fix these issues. This is my second attempt at resolving this issue with these bureaus, they have not complied and continued to violate my rights as well as the federal laws of the Fair Credit Reporting Act. This is my final attempt to resolve said issue, otherwise I will be seeking litigation due to the willful noncompliance as well as all the damages that their deceitful means of business have caused me.

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 2021-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/30 I went to deposit my paper check from my XXXX XXXX that I've been with for nearly 14 years. Due to the fact I was in a hurry because I was hosting a XXXX birthday for my partner and due to the fact I am physically XXXX I went through their automated atm drive-thru located at XXXX XXXX XXXX, XXXX XXXX, NV XXXX near my house. There were cars occupying the live teller drive-thru. When I put my check into the machine it asked me to confirm the amount of my check so I did. It then said, " a 7-day hold would be placed on my deposit. '' Seeing this I immediately hit cancel, clear, etc. But it would not give me back my check. I then see it would take over a week to receive my funds. This is my only money aside from the {$80.00} I already had in my account. I along with other customers who aren't aware of their " first check hold policy '' should be given the option to either cancel or proceed with the transaction because I could've cashed it at the casino as I've done before! I contacted their loss prevention as directed by their teller and online rep via the " secured message center ''. I asked for a supervisor & the rep wouldn't connect me. She also implied my XXXX check may look fake to the bank. She also told me going into the branch wouldn't help me yet Chase turned around and stated I make an appointment to meet with a banker yet their appointments are booked everywhere for at least 3 weeks! I've complained numerous times and I've also filed a complaint with the XXXX XXXX XXXX I can't pay rent and now I am forced to borrow or pawn items just to have money!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
On my credit report there are multiple errors reporting from the company ONE MAIN financial. One being that the account has been charged off in XX/XX/XXXX with two different balances one balance of {$4000.00} reported to XXXX & XXXX & {$4500.00} reported to XXXX. They were still occurring past due charges after being written off by the company at those balances in XXXX. This ultimately caused it to reflect as {$5200.00} being past due vs the charged off balance. Also the high balance states $ XXXX {$4500.00} if this is the highest amount the account occurred then where is {$5200.00} coming from and causing the violation? If this is being reported from the same creditor how is there so many errors? Also the date of last activity does not match across the bureaus. XXXX reports XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXXXX/XX/XXXX. Last payment also reflects XX/XX/XXXX for XXXX & XXXX  where the last payment with XXXX is XX/XX/XXXX. The date of last activity determines how long this account can stay on my credit and if one bureau shows a payment in XXXX where the other shows XXXX then there is a payment that was not accurately accounted for which also throws off the amount charged off. The Information being reported is very inaccurate. FCRA requires that you are consistent across the board and that all the bureaus report the same thing. I have sent out a certified letter dated XX/XX/XXXX in regards to the many errors in which they were claimed to be verified. Seeing that the creditor credibility on this account is not accurate across the board even after a few attempts of it being disputed I ask that it be removed due to not properly being investigated and illegally reporting false information resulting in me not being able to resolve the problem effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, 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:
I found some information which is not mine. I would like to immediately dispute. I believe that I may be a victim of identity theft and I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from.

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 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I found some information which is not mine. I would like to immediately dispute. I believe that I may be a victim of identity theft and I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Ive sent two dispute letters in the past 60 days for investigation to remove an incorrect account status - Equifax is reporting a derogatory account on a paid account both XXXX XXXX and XXXX XXXX. They have not provided me any proof from an investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
I have a loan with FORD MOTOR CREDIT and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called FORD MOTOR CREDIT and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX XXXX and FORD MOTOR CREDIT with no successful resolution. XXXX XXXX and XXXX reporting me having late payments. There was an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I XXXX XXXX am a natural person and a consumer of the US. I recently reviewed a copy of my consumer report and noticed unauthorized inquiries. The fact that these inquiries are reporting is identity theft and fraud. Attached to this complanit is a letter and identity theft report sent to Experian to block and removed these 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 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EMCC Holdings, LLC
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In the month of XX/XX/2021 30 days ago, I disputed via mail certain particular accounts and inquires that appeared to be erroneous reported on my credit report due to identity thief and fraud.. I'm a victim of identity theft and I'm seriously being affected in my personal life because of these account 's which should have been removed and blocked. 
This information is entirely inaccurate and the credit bureaus have failed to reply within the 30 day time frame regarding their alleged investigation.

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 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, 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:
I have reviewed my credit profile and I believe the following accounts are not reporting accurately.

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 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have reviewed my credit profile and I believe the following accounts are not reporting accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2021, I filed two debit card disputes with 5/3 bank. On XXXX the merchants refunded all charges, but 5/3 refused to waive any fees. I have been on the phone with multiple reps and " supervisors '' who alternately tell me yes and no anbout the refunds, but nothing happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX I sent out letters, certified mail, to Equifax, XXXX, and XXXX  stating that they are all in violation of the FCRA [ Fair Credit Reporting Act ] and are furnishing information without my consent and selling said information for profit, this is identity theft. I have also included an Affidavit of Facts with my letters that states who I am [ consumer, natural person, creditor ), the laws, the violations of the laws, and my demands for remedy. I am also sending this complaint via CFPB to ensure that it is documented that I am being taken advantage of and trying to fix these issues. This is my second attempt at resolving this issue with these bureaus, they have not complied and continued to violate my rights as well as the federal laws of the Fair Credit Reporting Act. This is my final attempt to resolve said issue, otherwise I will be seeking litigation due to the willful noncompliance as well as all the damages that their deceitful means of business have caused me.

Company response to consumer: Closed with explanation