vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-21 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 have items listed on my file that I did not charge. 
ACCOUNTS : XXXX XXXXXXXX XXXX  {$15000.00} XXXX XXXX XXXXXXXX {$7000.00}

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 2024-06-21 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 have items listed on my file that I did not charge. 
ACCOUNTS : XXXX XXXXXXXX XXXX  {$15000.00} XXXX XXXX XXXXXXXX {$7000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: WI

Complaint narrative:
I am getting a redit card fraud alert even if i don't own a credit card

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 2024-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Denefits LLC
State: OK

Complaint narrative:
I have told this company repeatedly that I will make payments on my own as I can to get caught up and they repeatedly contact me to try to get me to settle and use harassing language and threaten to take legal actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: TX

Complaint narrative:
My credit is important to me. I have a genuine concern regarding the inaccurate information I am seeing on my report. These inaccuracies are creating constant stress whenever I can not get approved for new credit.

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 2024-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 non-monetary relief
Consumer complaint received 2024-06-21 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: U.S. BANCORP
State: NV

Complaint narrative:
I received a Visa Gift Card. The first time I tried to use it at XXXX store I had to call the XXXX and was told it was flagged as fraud ( even right out of the Visa GC package! 

The customer service rep unblocked it and let the transactions through, and said I should not hv any problem anymore with next purchases. But not true, I was not able to use the card at all. 

I called the and they told me I hv to proof I am the legal owner by sending a copy of my drivers license? This is an overseas call center and they are asking me to fax it. I didnt do it I called again today and they asked me to go to the website to report card lost and do it that way. Well the card was blocked by them right out of the package, and still blocked, so the website immediately returned with invalid card. So I called again they said I hv to fax my Drivers License in order for them to unblock the card?? 

I have a balance of {$190.00} ( they confirmed that on the call ) - and I cant use it XXXX searching this, it seems US bank is doing this a whole lot, people not able to use their gift cards. I believe this is a big fraud. I definitely dont feel comfortable faxing my drivers license to an overseas call center Pls help guide me on this? They need to be removed from the market!

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 2024-06-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
This was a auto repossession account which was closed in XXXX and up until XX/XX/XXXX it was showing as " Closed '' on my credit report. As I checked my credit this month, XX/XX/XXXX, I discovered this account has been reopened and is reporting as " XXXX '' 4 years after it was closed. I am a military spouse and this had caused significant stress and an extreme drop in my credit rating. In fact, this item was scheduled to drop from my credit report in XXXX, now it is like the clock has reset and I need to wait another nearly 7 years. As I understand it from the legal standpoint, if the account was closed, new late payments can not appear. They can keep reporting it as repo / charge off if a balance is owed, but that is about it. If a creditor engages in incorrect reporting, I XXXX have grounds for legal action. I am coming to you for help. I would like for the account to be removed from my report completely. I have disputed this account being incorrectly classified on my credit report but it just reset it to the date when I disputed it. This is extremely unfair and I would say illegal. I have paid over 50 % on this account prior to XXXX. 
Account is owned by XXXX Formerly XXXX, XXXX XXXX XXXX, XXXX, AZ XXXX Tel : ( 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 2024-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 non-monetary relief
Consumer complaint received 2024-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE
State: VA

Complaint narrative:
On XX/XX/year>, I made a purchase on XXXX for the amount of {$360.00}. The order was supposed to be delivered in one package, as indicated at the time of purchase. However, XXXXXXXX XXXX delivery records state that the order was delivered in multiple packages on XX/XX/year>. Despite this claim, I never received any of the packages. I immediately contacted XXXX to dispute the delivery claim, explaining that the order was supposed to arrive as a single package and that I did not receive any part of the order. XXXX denied my dispute, insisting that the packages had been delivered. Following XXXXXXXX XXXX denial, I escalated the issue to my bank, Charles Schwab, to dispute the transaction. I provided all necessary documentation and evidence showing that I did not receive the packages. However, Charles Schwab also denied my dispute, aligning with XXXXXXXX XXXX  claim that the packages were delivered. I have taken all possible actions to resolve this matter directly with XXXX and my bank, but both parties have failed to acknowledge the non-delivery of my purchase. As a result, I am left without the product I paid for and without a refund, despite my efforts to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: IL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify 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 explanation
Consumer complaint received 2024-06-21 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX Account 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 2024-06-21 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: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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: GA

Complaint narrative:
According to FCRA Section 605B it is illegal to report information on my credit report without my permission. Please remove this from my credit. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Earlier in the year I received three or four letters from the bank stating I needed flood insurance. Subsequently I received one final letter stating that upon further review I do not need flood insurance. I never bought flood insurance as per that letter. A month went by and I received a statement from the bank stating that I now needed flood insurance and they had purchased flood insurance and it was the top insurance. I scrambled and purchased my own insurance for a third of the price. I called the bank and complained and asked why I received that letter and nothing subsequent stating that I needed insurance. It took three or four calls to different individuals to finally get someone to say that that letter had actually been mailed to me and that no it did not look like I needed insurance at that time but it may have been a mistake on the bank 's part. I have asked numerous people for copies of the letters that were sent. I asked for copies of both the letter that stated I did not need the flood insurance and anything subsequent. I have received nothing from anyone. I have asked numerous times, left messages, sent emails, to numerous people, and been told every time letters will be sent via mail or email. In the last month or two that I have been working trying to get this resolved I have received only one call back. It is been an utterly ridiculous show of customer service from this bank. I have been in contact with their executive client branch and been given the runaround numerous times. I have left numerous messages and sent numerous emails. Finally got through today and was told that the gap insurance would stand because supposedly they sent the letter stating that I did need insurance. I never received that letter. The last correspondence I did not need flood insurance. The next correspondence was a statement for flood insurance they had purchased. For about the 7th or 8th time I've asked for copies of those letters and have been told they will be in my email box by the end of the day. The same statement I received the last numerous times I've asked for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 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 have over 10 inquiries that I did not approve of that are on my credit report and I want them deleted.

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 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute an account listed on my credit report, which is beyond the allowable reporting period under the Fair Credit Reporting Act ( FCRA ). 

Account Information : XXXX XXXXCreditor NameXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX*Account NumberXXXX XXXX XXXXXXXX XXXXLast Activity XXXX : XX/XX/year> According to the FCRA, negative items should not be reported after seven years from the date of first delinquency. The account listed above is over seven years old and should be removed from my credit report immediately.

Please investigate this matter and remove the outdated account. Enclosed are copies of my credit report highlighting the account in question.

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute an account listed on my credit report, which is beyond the allowable reporting period under the Fair Credit Reporting Act ( FCRA ). 

Account Information : - **Creditor Name** : XXXX XXXX  - **Account Number** : XXXX -**Last Activity ** : XX/XX/year> According to the FCRA, negative items should not be reported after seven years from the date of first delinquency. The account listed above is over seven years old and should be removed from my credit report immediately. 

Please investigate this matter and remove the outdated account. Enclosed are copies of my credit report highlighting the account in question. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 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:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify 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 2024-06-21 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: MD

Complaint narrative:
I contacted Trans Union to inform them that I did not recognize this company and did not authorize this company to pull my credit report. They told me to contact XXXXXXXX XXXX. I did. XXXX XXXX  said that they would contact the credit agency Trans Union. I contacted Trans Union to see if this indeed happened they informed me that it did not, and that I would have to file a complaint with FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

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 2024-06-21 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: CA

Complaint narrative:
I demand that this deficient information be deleted immediately! This information was never verified to be accurate, complete, timely, or validated. It was never proven to be compliant with reporting standards. 

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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 2024-06-21 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the XXXX credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2024-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TekCollect Inc.
State: TN

Complaint narrative:
XXXX company provided service and it was financed thru XXXX XXXX. XXXX company was paid and I paid off XXXX XXXX. XXXX year later a debt collector is trying to collect for XXXX company. Not my debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation