vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-29 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: TN

Complaint narrative:
I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.

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 2024-01-29 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: 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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-01-29 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 XXXX and 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 2024-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Security Credit Services, LLC
State: VA

Complaint narrative:
In XX/XX/XXXX I spoke to and received an email from XXXX XXXX the manager from XXXX XXXX. The company had already garnished my wages for XXXX XXXX XXXX for a total of {$2400.00}. In her email she asked if I would agree for the remaining balance of {$2200.00} with no interest, to be paid every month at the rate of {$150.00} per month and that another account in their office for XXXX would be written off with this agreement. I agreed to the terms and requested in writing how to make payments and the terms sent to me. Every month I asked for this information up until XX/XX/XXXX. I never received a letter. In XXXX I received a notice from the court for a hearing XX/XX/XXXX for the XXXX XXXX. Unfortunately I had XXXX and could not go. My checks had already been garnished. Then XX/XX/XXXX a notice from XXXX was sent out stating I have a court date XX/XX/XXXX. After trying to communicate with XXXX XXXX at XXXX, I called the court clerk who then explained the company postponed the XX/XX/XXXX hearing until XX/XX/XXXX and Im being Re garnished for the XXXX XXXX XXXX which I received no notification about. I entered into an agreement with this company that they never intended to honor and instead breach. The XXXX account was to be written off ordering to the XXXX and with the attorney agreeing. This company is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, during my son 's XXXX birthday party at home with friends and family, I received alerts on my phone from Chase asking about purchases from XXXX XXXX and a few other stores if they were my charges, I immediately selected NO on the text message and called Chase immediately to report the fraud charges. Chase said do not worry, you are protected, we will cancel the card and issue you a new card. Chase said I will not be responsible for the charges. They credited back all the charges that same day. 
On XX/XX/XXXX I noticed the charge was put back onto my credit card for XXXX XXXX in an amount of {$540.00}. I called Chase right away, and they said the merchant ( XXXX ) provided Chase with my billing address, billing name and delivery confirmation. They said XXXX XXXX provided proof that the item was delivered to my home. We told them we have never made this purchase and this item was not delivered to my house as it was stated from XXXX XXXX, this item was picked up by someone in XXXX, XXXX XXXX, which is far from my home. Chase requested that I send them supporting documents that the item was never shipped to my home and that it was picked up from someone at XXXX XXXX. I have been emailing them since XX/XX/XXXX, but each and every time Chase said they still have not received any email. I have cc 'd myself and my work email and received all the documents, so there is no way Chase is not receiving my emails. Every time I called to ask if they received any documents, they said no and said they would reopen the case. After a day they would close the case again and say I am responsible for the charges because they have not received any documents from us. I even went to a Chase branch to forward the supporting documents. Chase has been giving me the runaround and not resolving the case, I have been so upset that I have not been protected by Chase Credit Card. I have never disputed any charges from Chase before and I always pay my bills on time. Even for these charges I had to pay otherwise, I would be Penalized but its very unfair and unjust that I have to pay for something that I did not order or authorize. Chase needs to reimburse me!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-29 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: MA

Complaint narrative:
I hope this letter finds you well. On XX/XX/XXXX, I contacted TransUnion regarding discrepancies on my credit report. Despite my initial inquiry, TransUnion has yet to respond. I am writing to bring these issues to your attention and seek resolution in accordance with the Fair Credit Reporting Act ( FCRA ). 

The inaccurate information on my credit report is as follows : XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$1000.00} ) : XXXX  : The reported balance of {$1000.00} is contested, as I recall a lower amount. 
Requested Correction : I request the deletion of the Past Due amount, as this account is closed and XXXX. Kindly mark this account as disputed to prevent any adverse effects on my credit score.

XXXX Account ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8600.00} ) : XXXX  : This account is not mine. 
Requested Correction : Remove the XXXX account from my credit report. 

XXXX  Account ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} ) : Discrepancy : This account is not mine. 
Requested Correction : Remove the XXXX  account from my credit report. 

XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$390.00} ) : XXXX  : The reported balance of {$390.00} is disputed ; I believe it should be a lower amount. 
Requested Correction : Mark this account as disputed and exclude the Past Due amount, as the account is closed and XXXX. Additionally, verify the accuracy of the Date Opened, Date of Status, and XXXX  Reported details.

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 2024-01-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: AR

Complaint narrative:
XXXX XXXXXXXX XXXX which is managed by XXXX XXXX has reported an incorrect balance to XXXX XXXX XXXX and provided them with inaccurate documents regarding a balance owed. XXXX XXXX filed eviction on me XX/XX/XXXX, the statement and documents provided to the courts was false and the rent ledger was inaccurate. I had photos of money order payments she claimed wasnt made. Past due rent from XXXX and XXXX was issued in a form of check by Covid relief program. A payment from XXXX of XXXX was stolen from the drop box at the rent office. XXXX refused to file a police report but showed me video of the theft and informed me I wasnt responsible to double pay. Prior to our court hearing I attempted to speak with XXXX XXXX about the errors and which she failed to communicate. I also was in contact with her boss the regional XXXX XXXX XXXX via phone and email about the situation. In which she claimed to look into the matter but communication stopped once I contacted someone over her. At the court proceedings the attorney that was present with XXXX informed the courts that he wasnt addressing past due rent but the unlawful detainer because I was still in the property. I was scheduled to move in XXXX but ending of staying until XXXX due to XXXX XXXX actions. I lost my new apartment because she wouldnt return the reference letter. XXXX allegedly told her not to accept any payments for XXXX because eviction had been filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
Hi I was expecting some family support funds from a family member which was done successfully and I couldnt confirm transaction from my bank because the account was close according to the customer representative I ask her to confirm my balance which she couldnt confirm

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 2024-01-29 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: Law Offices of Alan J. Waintraub PLLC
State: PA

Complaint narrative:
I have about 4 or more hard inquiries on my account. I had gotten alerts about credit inquiries that are not mines. I been dealing with this for months when I called each company Ive been giving the run around. Saying that they see nothing in their system but yet its on my credit report. Having a huge impact on my credit. It needs to be removed. I want on identity theft.gov I am a victim of identity theft none of these inquiries belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: NC

Complaint narrative:
Hey, I have no knowledge or did business with this company. This company is trying to collect debt not owed, this company is attempting fruad. The original credit account is paid and closed! I send a validation letter on XX/XX/2023 via mail. I didnt receive a validation letter back from this company all I received was and copy of rental agreement from original creditor. Can you stop this company that I never did business with to stop furnishing inaccurate information on my consumer report. Next step lawsuit!

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 2024-01-29 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: TX

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 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: DE

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-01-29 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: DE

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-01-29 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: IL

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 XXXX and 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 2024-01-29 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: TN

Complaint narrative:
I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.

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 2024-01-29 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: MD

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 and 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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I respectfully ask that you eliminate this incorrect account from my credit report since I never authorized its creation and it's not mine. The supporting documents, which validate my claim, are attached.

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 2024-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Was ALLEDGED sued by Protfolio recovery in XX/XX/2017 never received any documentation from them was never served and first learned about it from XXXX informed me of a garnishment Ask the lawyer a firm XXXX XXXX XXXX for any type of documentation was Told we can't give you anything I was nevered served so what Was there answer a few day after a person by the XXXXXXXX XXXX XXXX XXXX yes that was What she said her name was I stated That first I wanted some type of documentation second I was going to try and find a lawyer and third find a complaint with the CFPB she stated then I can't talk To you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: TX

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option 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 Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option 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, Experian, and XXXX 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 explanation
Consumer complaint received 2024-01-29 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: TN

Complaint narrative:
I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: TX

Complaint narrative:
Kindly delete this incorrect entry from my credit report. I never authorized or recognized this account. The relevant documents backing my claim are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
medical debt under XXXX was supposed to not be reported by the XXXX cr burs as of 2023

Company response to consumer: Closed with non-monetary relief