vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-31 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.
State: TN

Complaint narrative:
I have previously disputed with XXXX, Experian and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2024-05-31 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: PA

Complaint narrative:
Some of the accounts on my credit report are unrecognizable. These accounts need to be removed since we are unaware of their existence. Identity theft has occurred to me. This letter lists all accounts that are unfamiliar to me. A notice of identity theft has been sent to the Federal Trade Commission, and I have received a copy of the Identity Theft Affidavit. Herewith, I respectfully request the removal of the items listed. It would be greatly appreciated if your team could assist me in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please see the attached XXXX response and remove the account XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit report. The original creditor has failed to validate this account after multiple attempts from the XXXX. The collection agency that purchased the alleged debt failed to furnish something with my signature as required to prove ownership and agreement to credit or services. This document does not exist, and you need to stop reporting this account. XXXX has already deleted this account. Furthermore, under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. As a consumer by law this account must be deleted immediately, or I will seek monetary damages in small claims court in my city and state.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synovus Bank
State: FL

Complaint narrative:
On XX/XX/24 I contacted First Digital and was informed by a representative that my account was closed on XX/XX/24 for the amount of {$430.00}. I agreed to a settlement of {$300.00} and paid {$150.00} at that time, the representative informed me I had 90 days to pay the settlement and a payment was required within 30days. On XX/XX/24 I called in and made a {$40.00} payment. On XX/XX/24 I called back in to pay the remaining balance and was informed that my settlement agreement was voided because I did not pay within 30 days. I informed the representative that I was not informed I had to make a payment every 30 days only that I had to make the first payment within 30 days which I did. I asked if I can reopen my settlement and pay off the balance. The representative stayed that the new settlement amount would be {$290.00}, I asked does that amount include the {$190.00} that I already paid and she stated that it does not. The representative stated that my current balance is {$390.00} which includes late charges and interest rates that are still being charged on a closed account. I then asked to speak with a supervisor who stated that the amount is accurate as they charge late fees on closed accounts. And that they can offer a settlement but on the current balance of {$390.00}. I informed the supervisor that I will not be paying the settlement amount and will be filing a complaint against the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: MD

Complaint narrative:
I am writing to express my frustration and distress over the prolonged failure to remove fraudulent, inaccurate, and misleading information from my consumer credit reports. Despite my numerous disputes and supporting documentation proving I am a victim of identity theft, these harmful items incredibly remain. 

The presence of this fraudulent information is extremely distressing and has caused me significant XXXX impacting my creditworthiness and financial well-being. I did not authorize or consent to any of the accounts or information infiltrating my credit reports. As the victim here, I should not have to endure this unlawful situation any longer. 

I must inform you that I am now pursuing legal action against your organization for violating the Fair Credit Reporting Act by allowing verified inaccurate information to remain on my credit reports. This is unlawful and unacceptable.

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 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to express my frustration and distress over the prolonged failure to remove fraudulent, inaccurate, and misleading information from my consumer credit reports. Despite my numerous disputes and supporting documentation proving I am a victim of identity theft, these harmful items incredibly remain. 

The presence of this fraudulent information is extremely distressing and has caused me significant XXXX, impacting my creditworthiness and financial well-being. I did not authorize or consent to any of the accounts or information infiltrating my credit reports. As the victim here, I should not have to endure this unlawful situation any longer. 

I must inform you that I am now pursuing legal action against your organization for violating the Fair Credit Reporting Act by allowing verified inaccurate information to remain on my credit reports. This is unlawful and unacceptable.

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 2024-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I mailed a letter on XX/XX/year> to the collection agency that I found on my credit report asking them to validate the debt, but I have not received any information, nor has my credit report been updated. I believe they were unable to get the information and ignored my letter. I asked for proof of Insurance claims filed, proof of a contract I signed agreeing to pay this provider, chain of title to collect this debt and a complete payment history of payments I made.

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 2024-05-31 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
NewRez keeps asserting that there is no Flood Coverage since XXXX This year they sent the escrow into a negative balance, falsified amount paid and has refused to correct their mistake

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
" My Experian smart money checking account has been temporarily suspended without updates for a month, leaving my funds inaccessible. Despite numerous attempts to seek assistance from customer service, I have received no concrete response. This lack of communication is unacceptable. I urgently require Experian to reinstate my account for fund retrieval.

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 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-05-31 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: IL

Complaint narrative:
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

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 2024-05-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: FL

Complaint narrative:
I was renting an apartment with the company called XXXX in XXXX. They are a major apartment rental company and control many properties throughout the U.S. When I moved out, they sent a bill for {$6400.00}. I disputed that bill but ultimately ended up paying it even though I did not agree with all the charges. I wrote a check to the company for the full amount using my tax refund and a loan from family and friends. 1 week later, the check was cashed by the company. I was never contacted about it again until last month which by this time was 1 year later. I paid the bill in XXXX of XXXX and was contacted about the same bill in XXXX. I told them that I paid it and even showed them the proof that they took the money from my account in the form of a bank statement. They said they would investigate and get back to me. They never did, they sent it straight to collections which will now negatively affect my credit. On the XXXX XXXX XXXX website, people have posted similar things happening to them. They are using predatory tactics and selling peoples information to debt collectors even after receiving money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Requested security freeze on 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 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FactorTrust, Inc.
State: AL

Complaint narrative:
Requested security freeze on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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:
After Reviewing the credit file copy that you sent I have recognize multiple errors on my personal information So i will like for you to remove everything and update the only thing that should be reporting is My name - XXXX XXXX XXXX My address XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX I wish to opt out of reporting my work place as it is a private company and dont want to be seen.

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 2024-05-31 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: TX

Complaint narrative:
After Reviewing the credit file copy that you sent I have recognize multiple errors on my personal information So i will like for you to remove everything and update the only thing that should be reporting is My name - XXXX XXXX XXXX My address XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX I wish to opt out of reporting my work place as it is a private company and dont want to be seen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 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:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
this debt is not mines. I have already attached a FTC report regarding the issue now I will begin to file legal action against the company and i will cc the general attorney because this is violation of my rights.

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 2024-05-31 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: SC

Complaint narrative:
I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.

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 2024-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Hello, I sent a family friend in NY {$1000.00} Via XXXX through my online bancking Truist Bank to his phone number, I received email confirmation of the transaction, he received Text message that I sent him {$1000.00} via XXXX. But the money was not deposited into his bank account, we waited for a week and nothing, the strange thing is my wife also sent him {$1000.00} via XXXX with Truist online bancking to the same phone number and he received her money but not mine. 
I filed XXXX claims through my Bank Truist and they keep closing my cases and telling me they can not recover the funds and there is nothing they can do. 
I provided them all the evidence of the text message he received and his bank statement showing that he received the money from my wife and not mine, they said his bank statement means nothing ( which is ridiculous ). 
When I contact XXXX directly they said there is nothing they can do I have to work with my bank they don't have any visibility. 
I asked my bank to show me proof of what account number the money was deposited to but they would not. 
This is not a case of fraud or a scam, the person is a family friend and he sent us his bank statement showing the money was never received!!! 
Please if there is something you can do to help I will greatly appreciated. 
I will not attach his bank statement here, but if yo need it Please let me know and I will send. 
Thanks.

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 2024-05-31 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: NC

Complaint narrative:
What happened? 
I am filing this complaint because my credit report contains collections and addresses that do not belong to me. These inaccuracies are negatively affecting my credit score and financial standing. I have not authorized these collections, nor have I ever resided at the listed addresses. Additionally, XXXX of the companies, XXXX XXXX XXXX, continues to report unauthorized collections on my credit report. 

Specific Details : Unauthorized Collections : XXXX XXXX XXXX Reported : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/year> XXXX XXXX XXXX XXXXXXXX Reported : XX/XX/year> XXXX XXXX XXXX Reported : XX/XX/year> XXXX XXXX XXXX Reported : XX/XX/year> Incorrect Addresses ( Unmailable Addresses ) : 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 Actions Taken : I have contacted the credit reporting agencies to dispute these inaccuracies, but the issues have not been resolved. 
I have also reached out to the collection agencies and provided evidence that these accounts and addresses do not belong to me, but the collections and addresses remain on my report. 
Relevant USC Codes : 15 U.S. Code 1681b - Permissible purposes of consumer reports.

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports.

15 U.S. Code 1681i - Procedure in case of disputed accuracy.

15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance.

15 U.S. Code 1681o - Civil liability for negligent noncompliance.

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 2024-05-31 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: GA

Complaint narrative:
The appearance of public records on my credit report, which I have no association with, is deeply concerning. I implore you to take immediate action to address and correct this situation.

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 2024-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to 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