vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-11 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 account, 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 this account though your company claims to has verified this. 

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, XXXXXXXX XXXX XXXX, 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/XXXX  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. 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 explanation
Consumer complaint received 2024-12-11 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: MS

Complaint narrative:
I recently checked my credit report and noticed several billing errors. These late payments dont align with my usual payment habits. Please fix these inaccuracies and update my account. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: FL

Complaint narrative:
I am seeking assistance regarding identity theft resulting from the Equifax data breach. My personal information was compromised, leading to fraudulent activity that has impacted my financial security. 

See attached documents for more details

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: NV

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$910.00} XXXX XXXX XX/XX/XXXX {$0.00} Bankruptcy Chapter XXXX Bankruptcy XX/XX/XXXX XX/XX/XXXX XXXX Bankruptcy Court XXXX XXXX Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Bankruptcy XXXX Federal INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: OH

Complaint narrative:
I received a letter from Jefferson Capital Systems, stating I owe their company {$2600.00}, for a vehicle, that I never purchased from them or had a loan through them. 
The original creditor is, XXXX XXXX XXXX, and I show and have been showing, XXXX XXXX XXXX, sold the car in an auction for, {$16000.00}, and the remaining balance of, {$2600.00}, was charged off and the account was closed in XX/XX/XXXX. 
I'm not sure how or why Jefferson Capital Systems, is now saying, in XXXX, that I owe them when I never had a loan or any type of agreement with them and how a CHARGED OFF, CLOSED account can get reopened by another company, 4 years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: TX

Complaint narrative:
I just found out there are wrong accounts listed on my credit report, and Im completely baffled. I review my credit report often, but this time, I was hit with unexpected errors. I tried refreshing the page, thinking it was a temporary glitch, but the wrong accounts remained. Im begging you to carefully go over the documents Ive submitted so this nightmare can finally end.

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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate 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 non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate 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 non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX I was under attack by vicious scammers. It originated with a phone call telling me my XXXX XXXX  XXXX card was compromised. That whole weekend they kept me on the phone. Telling all kinds of stories that people had my card and they were going on a cruise to the XXXX etc.. They also let me know that they realize that my XXXX XXXX was compromised as well. The phony XXXX agent instructed me that a policeman would be coming to my house to pick up the XXXX cards, my XXXX and my XXXX, so they can continue investigating what was turning into a nightmare scam. After the so-called policeman picked up the cards, the scammers went crazy. Charging all kinds of items and very expensive electronics. XXXX bank worked with me, hand in hand to sort out the mess.They immediately took action and had all of the charges of which there were many reversed. XXXX XXXX on the other hand, treated me very poorly. They said they were investigating and because of the circumstances, it was my fault that the credit card was used. The scammers racked up over {$12000.00} in purchases all over XXXX Florida. I live in XXXX Florida, and I honestly didnt recognize the names of the towns where a lot of the purchases were made. I am an XXXX XXXX woman and Im practically housebound at this point. I take care of a XXXX  XXXX  husband and a daughter who is XXXX XXXX XXXX XXXX As you can see my life is not exactly easy. This whole scam and identity theft has really made my life miserable. I did everything XXXX said to do. I got a police report., made a list of all the charges that were made and filled out XXXX  official report. XXXX showed no interest in, trying to help me with a resolution to this problem. They insist that I authorize the charges which I did not. I got absolutely no alerts warning me about anything going on with XXXX. ive had this XXXX  XXXX XXXX  hanging over me since the scam began. How they continually insist that I authorize these purchases when I was nowhere near any of these place, is very disturbing. I found out that the way they got all of my information was through my phone. Somehow they did get control of my phone and was able to get my pins and passwords, etc. why these people cant use their productivity to do something positive is beyond me. As a retired elementary school teacher it really breaks my heart to see the direction that our world is going. 
Please let me know if you need more information from me. Thank you very much for your kind attention to this matter. 
Best regards, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I looked at my Experian and XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer credit report, it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 15 USC 1681e ( b ) requires that consumer reporting agencies adopt reasonable procedures to meet the needs of commerce for consumer credit, personnel, insurance, and other information. These procedures must be fair and equitable to the consumer, ensuring confidentiality, accuracy, relevancy, and proper utilization of such informationXXXX. The law also mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of consumer reportsXXXX.

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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

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 continue living 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 non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I opened a new checking account with PNC Bank online. The company mailed me a debit card, but I didn't receive it. A few days later, I found that someone used this card to withdraw {$2000.00} from my account at an ATM machine. I contacted PNC Bank immediately after I found out and asked them to lock the card. I explained the situation to them and asked them to return the {$2000.00} to me. They said they would investigate it. In the end, they decided to refuse to return my money. The case number they gave me is : XXXX. I hope you can help me. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward 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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I was sent a text message by Concora Credit asking me whether or not a purchase was fraudulent or not. And the text asked me to reply with a Y or N. I replied with a N. Then an immediate text was sent requesting me to call the fraud prevention department at XXXX. I proceeded to call the number. When I called the number to confirm the charge was indeed a good charge for my online fax service that Ive been using for sometime now, I was told I could not make any online foreign purchases from this card. I asked could I be sent documentation stating that this was indeed their policy and I was told no because it was proprietary information. This is absurd! A customer should be made aware of things they can or can not do with a credit card and this company needs to be investigated asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward 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 2024-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding an invalid medical debt that has been reported on my credit report. Despite my efforts to resolve this issue with the debt collector, I have not received adequate verification of the debt, and I believe it is not mine. Below are the details of my complaint : Name : Lockhart Morris and Montgomery Address : N/A Phone Number : N/a Debt Details : Medical Debt Amount : {$930.00} Date of Alleged Debt : XX/XX/XXXX Account Number : N/A Description of the Issue : On XX/XX/XXXX, I received a notification from Lockhart that a medical debt had been added to my credit report. However, I have no knowledge of this debt and have not received any services from the medical provider in question. 

I contacted the debt collector on XX/XX/XXXX to dispute the debt and requested verification of the debt and proof of my identity in relation to it. To date, I have not received any satisfactory evidence that this debt belongs to me. 

As per 15 U.S. Code 1681i, I am entitled to a thorough investigation and verification of the disputed information. The lack of proper evidence provided by the debt collector leads me to believe that this debt is not mine/ fraudulent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Unauthorized inquiries suddenly appeared on my credit report today, and I am at a loss as to why. My usual check revealed discrepancies that werent there before, and despite refreshing my browser multiple times, the issue persists. I am deeply frustrated and need you to thoroughly review my documents to fix this immediately and eliminate any future concerns.

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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live 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