vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-09 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: TX

Complaint narrative:
Your Company is reporting several accounts that are inaccurate on my consumer report. I have sent in several disputes pointing out the inaccurate information. When a consumer report has inaccurate information reporting, the credit reporting agency is supposed to investigate the dispute and delete all unverified and inaccurate immediately. This did not happen. This is a violation of the FCRA. If these accounts that I am disputing are not " deleted immediately, '' I will be seeking remedy for damages under the FCRA.

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 2024-11-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Your Company is reporting several accounts that are inaccurate on my consumer report. I have sent in several disputes pointing out the inaccurate information. When a consumer report has inaccurate information reporting, the credit reporting agency is supposed to investigate the dispute and delete all unverified and inaccurate immediately. This did not happen. This is a violation of the FCRA. If these accounts that I am disputing are not " deleted immediately, '' I will be seeking remedy for damages under the FCRA.

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 2024-11-09 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: GA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> I lost my wallet after doing groceries at XXXX around XXXX, I left home without realizing it was lost, inside the wallet there were various cards including my ID along with personal items including my phone and email addresses. As soon as I I woke up the next day I saw an alert on my phone regarding two big purchases on my credit card, I blocked my card and contacted BOFA as soon I could, all three transactions were pending when I reported them and my card got deactivated, I have never used those companies in my life, I received a full refund on one of the fraudulent transactions but BOFA couldnt resolve my fraud claim on the second transaction after 3 months and I just saw they charged me fully for a transaction on a lost and reported card even before the transaction was completed. Right after I blocked and reported those transactions and I received a new card I had another incident of fraudulent transactions on the new card that were solved successfully, I have no idea this single transaction was not

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 monetary relief
Consumer complaint received 2024-11-09 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In XXXX someone in XXXX used my credit card to spend XXXX dollars on a solar panel company. I live in Texas. When B of A called to tell me that there had been fraud I panicked on the phone because the person asked me to read them a password from a text that says do not share. I called Bank of America myself and tried to confirm it was them. Upon realizing it was really them and their system is just kind of odd ( having text messages that have codes to share that day DO NOT SHARE ), I said something to the effect of oh so that wasnt fraud in reference to them calling with a bad mic, background call center noises, a deep accent, asking for a password from a text that says not to share it. They have been using me saying their call wasnt fraud as claim that I actually spent XXXX dollars on solar panels in XXXX and didnt get my card stolen. Ive provided proof of the company being in and only operating in XXXX, all of my info data proves I havent left the country in years, and the only thing I buy online is subscriptions and books.

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 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX has been constantly sold to different companies and with previous companies I was under forbearance. Credit report shows over 120 days late and counting and effecting my 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 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX has been constantly sold to different companies and with previous companies I was under forbearance. Credit report shows over 120 days late and counting and effecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: SC

Complaint narrative:
XXXX has been constantly sold to different companies and with previous companies I was under forbearance. Credit report shows over 120 days late and counting and effecting my 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 2024-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
The vehicle was financed by Bridgecrest on XX/XX/XXXX from XXXX XXXX of XXXX XXXX for the amount of {$27000.00} to myself as owner and my spouse as co-owner. On XX/XX/XXXX the vehicle was refinanced by XXXX XXXX XXXX for the payoff amount of {$26000.00} to me as the sole owner plus DMV service fees for removing additional co-owner. On XX/XX/XXXX the account was confirmed as paid in full ( Amount of payoff is undisclosed due to non-receival of transaction history ). Upon payoff of the loan the title was not released to XXXX, the DMV or me. First contact to Bridgecrest was made by XXXX. They were told by Bridgecrest, I owed more fees on the vehicle, and they couldn't release the title until I paid those fees. Then they wouldn't release any more info to them. Second contact was made by me on XX/XX/XXXX, I asked what were the fees that were owed? No fees were owed, and I would receive the lien release by mail in 7-10 business days. Third contact to Bridgecrest was made by my spouse on XX/XX/XXXX, and she was told there was an error with the title. In addition to that she was given a window for receipt of the title anywhere from 7 days to 2-3 weeks. 

In the contract it states when the contract is satisfied the title will be mailed immediately. There were no further fees due on the vehicle when the contract was satisfied on XX/XX/XXXX. The only fees I can believe they were referring to be the vehicle registration fees that were not due until XX/XX/XXXX. Those fees were not overdue in XXXX and were paid in XXXX before they became overdue. Upon paying those fees is when I found out that I can not obtain a operators permit until the DMV receives the lien title release from Bridgecrest. 

By not releasing the title, Bridgecrest is prevent me from legally driving my vehicle. As stated above I've taken many steps to resolve this matter and I'm consistently getting no results. They have been paid as per the contract I entered with them and they have not lived up to the terms of it. I'm reduced to paying for rental vehicle in order to get to and from work and make my payments for a vehicle ( because of their actions ) I can not legally drive.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
According to the FCRA account, FAIR COLLECTIONS AND OUTSOURCI has Violated my rights. 15 U.S.C 1692g States : Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of accurate debt if valid ; ( 2 ) the debt owed is a culmination of what alleges to be fraudulent charges ; retained deposits, were not returned, were undisclosed and unaccounted for. 



Name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

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 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Im unable to view my credit report and credit score, self attestation form is attached. I was told to file a complaint with the cfph and upload the forms so they can send them to them to remove the blockage

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 2024-11-09 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: VA

Complaint narrative:
XXXX XXXXXXXX XXXX XX/XX/year> I believe it's not mine ..due to fraud ... Identitytheft according to FCRA 605B

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 2024-11-09 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: Radius Global Solutions LLC
State: CA

Complaint narrative:
RADIUS GLOBAL SOLUTION, XXXX XXXX XXXX, XXXX XXXX XXXX Keep hoping on my credit report I dont know whats this I want proof of this company saying me ID social security number etc..

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 2024-11-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I looked on my credit report and seen someone took a Citi bank loan out in my name on XXXX XXXX in the amount of {$2100.00}

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 explanation
Consumer complaint received 2024-11-09 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
All three credit bureaus are inconsistent in their adjustments to my credit scores. I dropped my overall credit card balance by almost {$2000.00} and no change to my scores. Then when the balance of one card goes up {$160.00} one bureau ( equifax ) decreases my score by 14 points! This makes no sense. I watch my scores on a consistent basis and if I didnt no better I would think this is an example of institutional racism. They have slowly ticked down but rarely tick up. To have a minor negative years ago my accounts they have slowly taken me down bit by bit to middle 600s. This does not compute even with high usage. Ill never rise my scores if I decrease my usage by {$2000.00} and get no change then a small increase reduces my scores. Somebody needs to look into why there doesnt seem to be any consistency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I was just checking my credit report and I found a collection report from Midland LLC reporting an account that I have proof that I have consolidated, renegotiated terms with the creditor and have been paying on for over a year on time, in collections, I have never been contacted by this company or been given proof of the debt from them or evidence from them that I even owe them!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On about XXXX XXXX XXXX XXXX, a Chase phone representative allowed someone to add an XXXXXXXX XXXX XXXX to my account and texted them a passcode to get into my account where they were allowed to enable wire transfer, add themselves, and wire {$4000.00} to themselves in XXXX. I was never contacted and never approved this. I noticed it and recalled it the same day. A Chase representative lied to me and told me no changes were made to my profile and that the user used facial recognition to get in. His supervisor said he was incorrect and had no idea where he got this false information from, and that she would resubmit my claim and that I should be approved. They have failed to respond for over two weeks now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I am a victim of identity theft I submitted a police report. I have never lived in XXXX XXXX Nevada. I have been at my residence for over 13 years. This debt was to a XXXX XXXX  and it has went through a few collection agency this collection named Creedence and I continue to tell them this is not my debt. I did not sign did not give anybody permission Again, I have never lived in XXXX XXXX, Nevada

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, my family and I were returning to the United States from XXXX. We had a layover in XXXX, but due to a flight delay and a terminal change, we missed our connecting flight. British Airways rebooked us at no additional cost, acknowledging that the disruption was their responsibility, and provided a complimentary hotel room for our two-day stay. They also sent a letter apologizing for the inconvenience. However, we did not have access to our luggage, forcing us to purchase necessities out of pocket while in XXXX. When we finally boarded a flight to the United States, we had a stopover in XXXX. Unfortunately, we missed our connecting flight to XXXX as only 4 of our 14 bags arrived in XXXX, which required us to stay overnight in a hotel, again at our own expense. Upon our eventual arrival in XXXX, none of our bags had arrived, so we had to purchase additional basic necessities until our luggage was delivered. Since this journey, we have filed XXXX complaints with Chase credit card, providing detailed documentation and receipts for all incurred expenses. However, Chase has informed us that they require the reason for the initial delay from British Airways to process our claim. Given that British Airways rebooked us at no cost, this alone should serve as sufficient proof of the reason for our extended stay in XXXX. Despite our efforts, we have not received any reimbursement for these expenses through Chase or British Airways. When we got to XXXX, our XXXX bags did not come for 5 days, so we had to buy stuff. We were XXXX passengers, and we are each entitled to {$100.00} per day per person, and we did not use all of these, and chase bank still will not refund us even though I exclusively pay for the credit card travel insurance. we contacted british airways for the proof but they did not response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief