vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Subject : Request to Update Personal Information ASAP Dear Sir/Madam, I am writing to request an update to my personal information in your records. After reviewing my credit report, I found several inaccuracies that need correction. I kindly ask you to update the following information : Name : Current Legal Name : XXXX XXXX XXXX Also Known As ( if applicable ) : None Former Name ( XXXX ) : XXXX XXXX XXXX XXXX of Birth : Correct Date of Birth : XX/XX/year> Current Address ( es ) : Primary Address : XXXX XXXX XXXX, XXXX NY XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Current Employer : XXXX XXXX XXXX have enclosed the necessary documents to verify the correct information, including : A copy of my driver 's license ( or passport ) showing my legal name. 
A recent utility bill or bank statement showing my current address. 
A copy of my Social Security card. 

Thank you for your attention to this matter. Should you need further information, please contact me at ( XXXX ) XXXX or XXXX. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Subject : Request to Update Personal Information ASAP Dear Sir/Madam, I am writing to request an update to my personal information in your records. After reviewing my credit report, I found several inaccuracies that need correction. I kindly ask you to update the following information : Name : Current Legal Name : XXXX XXXX XXXX Also Known As ( if applicable ) : None Former Name ( XXXX ) : XXXX XXXX XXXX Date of Birth : Correct Date of Birth : XX/XX/year> Current Address ( es ) : Primary Address : XXXX XXXX XXXX, XXXX NY XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Current Employer : XXXX XXXX XXXX have enclosed the necessary documents to verify the correct information, including : A copy of my driver 's license ( or passport ) showing my legal name. 
A recent utility bill or bank statement showing my current address. 
A copy of my Social Security card. 

Thank you for your attention to this matter. Should you need further information, please contact me at ( XXXX ) XXXX or XXXX. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE HELP ME, IM GETTING STRESSED BECAUSE OF THIS ACCOUNT, THIS IS FRAUD AND WAS NEVER AUTHORIZED

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 2024-10-09 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: NY

Complaint narrative:
After XXXX attempts to get XXXX fraudulent inquiries removed from my credit report I have been unsuccessful with Equifax as they have been simply stone walling me with stalls in resolving the issue. I was notified by mail that health insurer did experience a breach of data and I suspect that this was the cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: CA

Complaint narrative:
I CONTACTED ... .NOTIFYING THEM THAT THE HARD INQUIRE FROM XXXX  XXXX IS INCORRECT ... ..I CALLED LAST YEAR AND THIS YEAR... EACH TIME THEY USE DELAY TACTICS TO DISCOURAGE ME...... ..ALSO THEY MAKE IMPOSSIBLE TO GET HOLD OF CUSTOMER SERVICE THIS ISSUE IS REALLY SIMPLE I CONTACTED XXXX  ABOUT THE INQUIRE, THEY TOLD ME " THEY DON '' T SEE ANYTHING ON THEIR END ...... I DO NOT OWN A CREDIT CARD OR LOAN FROM XXXX... 

I CONTACTED XXXX REGARDING THIS MATTER THEY DELETED WHILE I WAS ON THE PHONE .... 

TRANSUNION AND XXXX HAS THE REPUTATION FOR USING DELAY TACTICS EACH TIME ....

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 2024-10-09 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: NC

Complaint narrative:
FRAUDULENT ACCONTS NOT AUTHORIZED BY ME : 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 non-monetary relief
Consumer complaint received 2024-10-09 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: TN

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my Transunion account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ( 1. Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

2. Account Name : XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report Please provide proof of all late payments. and update the balance to current or delete the negative payment status on this account. 

3. Account Name : XXXX Account Number : XXXX Reason : balance : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account Date of Last Activity : Inaccurate XX/XX/2024 Close Date : Inaccurate XX/XX/2024 Payment status Inaccurate These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate 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 non-monetary relief
Consumer complaint received 2024-10-09 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: TN

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my XXXX account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ( 1. Account Name XXXX XXXX XXXX XXXXccount Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

2. Account Name : XXXX Account XXXX : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report Please provide proof of all late payments. and update the balance to current or delete the negative payment status on this account. 

3. Account Name : XXXX Account XXXX : XXXX Reason : balance : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account Date of Last Activity : Inaccurate XX/XX/year> Close Date : Inaccurate XX/XX/year> Payment status Inaccurate These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate 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 2024-10-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
I have never heard or or did business with this company and I have no bonding contract with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX - Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: LEXISNEXIS
State: GA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX LexisNexis Risk Solutions Consumer Center XXXX XXXX XXXX XXXX, GA, XXXX Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that Lexis Nexis absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.

Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 

The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 

Sincerely, [ Your Name ] Enclosures : [ List what you are enclosing ] Identity Theft Report Copy of Credit Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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: GA

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every XXXX of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2024-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Pressler & Pressler, LLP
State: NY

Complaint narrative:
Called pressler, felt and warshaw, llp about a summons to collect a debt and the person on the other end was rude and condescending asked if I could pay in full, explained to him I have a medical condition and I am not working. Therefore asked to settle with a payment, he said you can pay half now and the other half in a month. My husband explained that I am not working due to medical and can not pay half of debt right now. You could hear in his voice he was being rude about it.

We asked to speak to a manager and he said they are too busy and we need to go to website and put in a form for managers call back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I filed an application for income driven repayment to access the public service forgiveness program in XX/XX/year>. I have 36 months of repayment banked toward the forgiveness. Based on information from StudentAid.gov my monthly repayment should have been calculated at the lesser of two ; 20 % of discretionary income or standard repayment for 12 years. My payment was calculated at {$660.00} a month, which would have my loan repaid in 7 years, before I could ever access the public service loan forgiveness program. I have called multiple times a month to both my loan servicer and Studentaid.gov to have the issue resolved. I have file two cases, resubmitted my repayment application 2 times, and contacted the omnibus. Everyone recognizes that payment amount is inaccurate, but neither agency takes responsibility for fixing it. I have been sent back and forth being told the issue had to be fixed by the other agency. I have asked to speak with supervisor or managers but have been told that those positions do not exist. I have instead had my loan on an administrative hold for 12 months trying to fix the problem, while my loan continues to accrue daily compound interests and I am unable to bank months of repayment toward loan forgiveness. I have not been given another option besides paying the higher amount or give up attempting to access the public service loan forgiveness program. I have no recourse for a mistake that wasnt mine but continues to cost me money monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: CA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Issas a victim of fraud in XXXX of my checking acct here at USAA on XXXX XXXX2024in seeing this pending in my acct I called USAA to alert them to stop this fraudulent withdrawal of funds from said acct..I was told couldnt stop but able to retrieve my funds the next day XXXXthat nite I spoke to eitherfraud team member or bank person and I expressed concern for remainder of money in this acct and they advised me could open another or new acct and put funds from that checking acct into new acct which I did..I have records of each transaction to show those transfers.. 
From this point on XXXX things went sideways >>anyway I was not feeling confident about continuing w USAA and made some additional interacct transferand it for a few days was confusing.. 
Then on XX/XX/year> Friday deposits and transfers took placein looking back at this I think USAA over credited me and I didnt see it until I went back today and found where they over credited me. 
In any case I didnt see that and on XXXX I called USAA again and talked to banking..they were able to transfer the money back into my acct USAA has been doing this analysis or investigation into my acct and it has been over XXXX wks and I cant get an explanation of why they are doing it and when to expect resolution. They have been rude to me and I feel like they are investigating me .. and that USAA is setting me up to build a case and take my money.., this feels legal to me.. 
I want the world to know about how USAA is treating me.. 
What can u do for me? 
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 2024-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I reported a fraud charge from solo funds to Chase for {$300.00}. I tried to contact the company and sent them multiple emails and I can not get anybody on the phone. I cant get anybody to answer any questions I have done business But I did not authorize the {$300.00} charge so Chase temporarily gave me my {$300.00} back and I get a letter saying that they are going to take the {$300.00} back out of my account because they researched it which they did not provide me the research that was done and that this charge for {$300.00} was authorized it was not an authorized charge and Im telling you this company you can not get in touch with them. My money was stolen and Chase did not do what they were supposed to do. I feel like I have been taken advantage of and that Chase is not doing a good job of researching so what do I do? Just {$300.00} is gone from my account forever. This is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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:
I'm seeking your help to address the incorrect account reflected in my credit report. This concern has affected my personal reputation, and I need your cooperation in resolving it. The mishandling of my credit has devastated my reputation, and the inaccurate information must be removed immediately.

Company response to consumer: Closed with non-monetary relief