vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-23 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: FL

Complaint narrative:
TransUnion for clarification is TransUnion indicating that XXXX XXXX XXXXVERIFIED AS REPORTED as an inaccuracy or an accuracy? Despite the proof of inaccuracy information that I provided from TransUnion ; also is TransUnion claiming that they are in compliance with 15 U.S. Code 1681e - Compliance procedures reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate?

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 2024-02-23 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:
Inaccurate inquiries on all my credit report : XXXX ) XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: CA

Complaint narrative:
I received a text message on XX/XX/XXXX from a number claiming to be NRA Group LLC saying they were attempting to collect a debt. In this message, I was asked to provide my zip code to verify my identity. I did not respond as I previously disputed this debt with a different company the year prior and I believed there was a high chance this contact could be a scam. 

The next communication was via text on XX/XX/XXXX. I never verified my identity, but the company sent me a notice which included my name, address, various details about a debt owed in the amount of {$1400.00} from XX/XX/XXXX, and how to dispute said debt. On XX/XX/XXXX, I received another message similar to the previous one, to which I replied with " STOP '' to cease communications via this method. 

On XX/XX/XXXX, I contacted the company on via email with a letter disputing I owe the debt, as well as asking for information under an act they cited, the Fair Debt Collection Practices Act. I also asked for the information of the claimed purchasers of the debt, XXXX XXXX XXXX. As this is a medical debt, I also enclosed a letter showing I had health insurance at this time. 

I was met with a response on XX/XX/XXXX asking for the insurance provider, member number, group number, insurance phone number, insurance address, insurance activation date, and claim number of the health insurance I was under at the time I owed the alleged debt. I am no longer under this insurance, I do not have memory of many of these details, nor do I understand why they would need these details for their client to submit the claim. I ceased communication.

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 2024-02-23 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: MD

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: WA

Complaint narrative:
I made a purchase in XXXX for about {$50.00} and I paid for the purchase in store. XXXX 's created a credit card account without my consent and they charged on my credit card for {$34.00}. I wasn't aware of such an account. I was NOT contacted by XXXX 's by phone or mail or email. After 2 years, I noticed a sudden drop in my credit score in XXXX with delinquency and noticed a new account on my credit report from XXXX. 

I called XXXX XXXX and enquired. They said I missed a payment of {$34.00}. I was surprised as to what this payment is for and more shocking to know that there was an account on my name without any kind of notification. XXXX never sent me monthly statements via mail or email too. I have asked XXXX to close this account since I wasn't aware of this credit card account. 

Based on my simple XXXX  search, It looks like there are a lot of people affected by XXXX by creating credit card accounts without their knowledge. This is very concerning about XXXX and the CFPB should look into this aggressively to address fraudulent activities like this. I've been very diligent with my credit score for more than past XXXX  years of my stay in XXXX and this XXXX fraudulent activity by XXXX is affecting my credit score. 

I kindly request prompt action and remove this from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: PA

Complaint narrative:
I have been reaching out to the credit agencies for months to have information on my credit profile updated. Each of them are reporting inaccurate information and are violating my rights as a consumer. I have requesting the investigation process they took to verify that they are reporting correct info and still havent received it. I have also sent proof that inconsistent and inaccurate info is present and asked for it to be fixed. My next step is to contact the attorney general for my state in hopes that I will get remedy for this.

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 2024-02-23 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: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2024 I was doing my yearly credit check since that is something I am trying to work on. I was able to pull XXXX of my credit reports. When it came to Equifax it stated they had no record of my history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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 lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-02-22 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: FL

Complaint narrative:
I've reached out to Experian, XXXX and XXXX numerous of times informing them that I was a victim of identity theft and my information was stolen and used to open fraudulent accounts. I've also reported this to XXXX. They failed to address these issues and continued to report incorrect information. I've recently sent letters again for the XXXX time to correct this issue.

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 2024-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
XXXX attempted to garnish my Government issued travel card I have for work XX/XX/XXXX. I am a federal employee and they attempted to garnish the XXXX account that services it. They are still actively trying to garnish wages at several past employers for a credit card that I defaulted on in XXXX. The original creditor is XXXX  XXXX, it has been removed from my credit report for a while now. But the third party collection agency - LVNV Funding LLC still actively attempts to garnish wages and harass me by mail. Original card balance was {$870.00}, they are claiming I owe over {$1200.00}. I have asked them to stop contacting me, they wont.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: NC

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under XXXX XXXX. XXXX ( XXXX ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST HORIZON BANK
State: FL

Complaint narrative:
Hello, I have been back and forth with First Horizon Bank for a few months. 
My primary home was bought under the countys Homeownership Section 8 program, the county makes the payment directly to First Horizon automatically electronically every XXXX of the month. 
I reached out to XXXX XXXX XXXX they confirmed this information and told me I am not the only person this is happening to. They mentioned that they pay on the first but First Horizon is posting the payments late. 
I had XXXX XXXX XXXX send me proof of payments from XXXX which showed the payment being sent on the first of every month. 

For the Past few months, every first week of the month I get a notification from XXXX XXXX and experian that my payment is past due and no payment was received which ends up hurting my credit drastically. 
I have disputed on XXXX XXXX  and experian. 
I reached out to First Horizon they did fix XXXX and XXXX payment but there continues to be inconsistent information between all XXXX credit bureaus. I have been emailing with XXXX and he says the information is accurate but its not. Im attaching conversations between XXXX and I via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: OH

Complaint narrative:
XXXX XXXX reported to lates on my credit account and none of them are correct. XXXX lates were reported on XXXX and XX/XX/XXXX and XXXX in XX/XX/XXXX. I have asked them to provide proof or remove and I have not received any proof nor have they 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 explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX reported to lates on my credit account and none of them are correct. XXXX lates were reported on XXXX and XX/XX/XXXX and XXXX in XX/XX/XXXX. I have asked them to provide proof or remove and I have not received any proof nor have they 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 explanation
Consumer complaint received 2024-02-22 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: PA

Complaint narrative:
I am writing to follow up on my previous dispute regarding unauthorized hard inquiries on my credit report. Despite my initial complaint, I have not received any correspondence or notification confirming the removal of these inquiries from my credit file. As I stated before, I am deeply concerned about the presence of unrecognizable information on my report, and I know it is essential to reiterate the gravity of 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 2024-02-23 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:
I've reached out to XXXX, Transunion and XXXX numerous of times informing them that I was a victim of identity theft and my information was stolen and used to open fraudulent accounts. I've also reported this to identitytheft.gov. They failed to address these issues and continued to report incorrect information. I've recently sent letters again for the 3rd time to correct this issue.

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 2024-02-23 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've reached out to XXXX, XXXX and Equifax numerous of times informing them that I was a victim of identity theft and my information was stolen and used to open fraudulent accounts. I've also reported this to identitytheft.gov. They failed to address these issues and continued to report incorrect information. I've recently sent letters again for the XXXX time to correct this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2024 at XXXX I was in Chase bank XXXX XXXX XXXX XXXX XXXX CA XXXX I used the ATM machine and deposited {$2500.00}. 
When I deposited it the ATM machine malfunctioned and I had to talk to a representative inside the bank. The representative told me to call the number that displayed inside the screen of ATM machine. 
saying " We're having some trouble. 
To be sure your deposit went through, please call us at XXXX. We'll print this number on your receipt. 

but NO receipt was made that time. so I was so anxious and frustrated. 
I called and Customer service answered. I told her what happened but she didnt even confirmed the location and ATM machine that I had problem to, and told me that she already filed the report and told me to wait for 2-3 days business days. I waited for 2 days and called them again. The customer service who answered my call told me that the case was close and will not going to give me my money back. I told and suggest for them to investigate and check the cameras. the answered back to me is to file a subpoena and they can't help me anymore. so I was so mad and upset. I called again and another person answered and hang me up for an hour. I called the 4th time and the lady who answered my call told me that she will escalate the investigation and told me to wait for 10days. But still I don't hear anything from them after giving them almost 20 days. please please please help me to this matter and I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
One Main reported to lates on my credit account and none of them are correct. Two lates were reported on XXXX and XX/XX/XXXX and one in XX/XX/XXXX. I have asked them to provide proof or remove and I have not received any proof nor have they removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: DreamSpring
State: NV

Complaint narrative:
As a federally protected consumer, I am opting out of any authorization that I XXXX XXXX may have given you written, non written, verbal, non- verbal per 15 USC 6802 This was the notice sent out on the XXXX XXXX XXXX to the XXXX XXXX listed in the report After today date XX/XX/year> if it is not remove you are violating my rights and you are agreeing to XXXX dollars per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: CA

Complaint narrative:
Upon reviewing my XXXX, Experian and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business 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 2024-02-22 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: MI

Complaint narrative:
I am disputing these inquiries that was not made by me and was not authorized on my behalf I do not recognize these inquiries and need them removed from my credit profile immediately. 

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 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 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 explanation
Consumer complaint received 2024-02-23 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: VI

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

Company response to consumer: Closed with non-monetary relief