vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-24 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: IL

Complaint narrative:
I recently reviewed my credit report and noticed that an account that was never declared as credit was reported as a secured card with a late payment ( XX/XX/year> ). This account was never a secured card but was a debit card/prepaid account. I never had a late payment with this creditor. It I the right of each and every credit bureau to report accurate information and protect me from false reporting. I have attached supporting documentation, including a copy of my credit report that shows the account reporting as a secured card with one late payment on ( XXXX of XXXX ) and the last payment status reported as paid/closed. I request that this issue be investigated and resolved promptly. Thank you for your understanding I look forward to this matter being solved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: IL

Complaint narrative:
I recently reviewed my credit report and noticed that an account that was never declared as credit was reported as a secured card with a late payment ( XX/XX/year> ). This account was never a secured card but was a debit card/prepaid account. I never had a late payment with this creditor. It I the right of each and every credit bureau to report accurate information and protect me from false reporting. I have attached supporting documentation, including a copy of my credit report that shows the account reporting as a secured card with one late payment on ( XXXX of XXXX ) and the last payment status reported as paid/closed. I request that this issue be investigated and resolved promptly. Thank you for your understanding I look forward to this matter being solved promptly.

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 2024-11-24 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have received XXXX 's letter dated XX/XX/year>, in response to my request to remove the inaccurate information reported about my account. 
I am requesting XXXX specific items, which they have failed to provide in your responses to my letters dated XX/XX/year>, and XX/XX/year> : 1. Proof of Notification with Tracking Number : Under 15 U.S. Code 1666b, which includes the required information under 15 USC 1637 ( b ), I am asking you to provide proof that the periodic statement was mailed or delivered to me no later than 21 days before the payment due date. I require the tracking number that confirms this information was mailed within the legally mandated timeline.

2. Proof of Notification Prior to Negative Reporting : Under 15 U.S. Code 1681s-2 ( a ) ( 7 ), I demand proof, including a tracking number, that a notification was sent to me 5 days before any negative information was reported to the credit bureaus, as required by law.

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 2024-11-24 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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 non-monetary relief
Consumer complaint received 2024-11-24 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: GA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 

XXXX XXXXXXXX XX/XX/year> {$8800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
MCM has been calling 7 days a week, including XXXX. They have never sent any letter and will not validate the debt. The phone calls are Inconvenient. I am not sure what the debt is for, it is also on my credit report. Please assist in validating and or removing the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I own a small business and have a few employees. I pay all my employees with a check. I paid one of my employees on XX/XX/year>24 and the check was cashed on XX/XX/year>24. 

The same check was cashed XXXX more times by someone else and it was cashed on XX/XX/year>24 at XXXX bank and then again on XX/XX/year>24 at XXXX via the mobile app. This information came from my bank ( Chase ) I contacted Chase in XXXX after I noticed the XXXX additional withdrawals. Chase said they will have an answer within 10 days but its been over 2 months and I would like to get this resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lockhart, Morris & Montgomery Inc.
State: OH

Complaint narrative:
1. **Fair Credit Reporting Act ( FCRA ) ** : - You have the right to dispute inaccurate information with credit bureaus.

- Debt collectors must verify and correct any errors they report.

2. **Fair Debt Collection Practices Act ( FDCPA ) ** : - Debt collectors can not use unfair or deceptive practices, including reporting false debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This morning XXXX XXXX XXXXXX/XX/year> ) I have spent about an hour trying to access the Transunion website. It has worked in the past because I set a security freeze last month. None of the Transunion links work today, as it does not recognize my login credentials. I have a hard save on my credentials in the browser to my password so my user id ( email address ) have not changed. I finally decided to call them and their automation via phone sent a link to my phone text to " chat '' with an agent. The link does not work. When I tried to update my password, the code they say they sent me never arrived. Is Transunion still a valid company? I will keep trying because I was a victim of identity theft last month and I have been getting nuisance texts and phone calls regarding loans that i have not applied for. I routinely set a freeze on all of my accounts. XXXX and XXXX were easy to access and I did not see anything untoward on my credit reports from them.

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 2024-11-24 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: CL Holdings LLC
State: GA

Complaint narrative:
Account Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX Reason : I don't recognize this account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus 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 non-monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Hello, I initially filed a dispute because the rules to this credit card was unclear and never explained properly. XXXX XXXX claimed they closed the card and took the full balance owed from my dental office. I then received more late charges at the same time my credit score dropped because of this issue. I then found out I was being charged for some type of insurance that I also had no clue about. I immediately called Care Credit to understand why I still had a balance and they told me it was their insurance added on I asked to cancel the insurance and I asked for all fees to be refunded. I received confirmation from the representative that the insurance portion would be canceled and refunded. I waited about 2 weeks to see if the balance would go away and I still have a balance for their insurance that was never canceled. I called two more times and I keep getting getting the runaround I keep getting different phone numbers to call, but no one can help me I should have a XXXX balance and I currently have a past due balance of {$270.00} due XX/XX/year>. This will continue to effect my credit and I am trying to purchase a house. This is the worst service Ive experienced. I cant get help from Care Credit. Thank you, 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 2024-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Im a victim of fraud. Someone called saying they were Wells Fargo fraud department and someone was trying to use my checking account through XXXX XXXX on their phone in XXXX. They had me move my money to XXXX XXXX and my money was gone. Wells Fargo claims is giving me the run around and taking forever to help me out. I still havent gotten my money back. This happened on XX/XX/year>.

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 2024-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 

XXXX XXXXXXXX XX/XX/2021 {$8800.00}

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 2024-11-24 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 

XXXX XXXX XXXXXX/XX/year> {$8800.00}

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 2024-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus 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 2024-11-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
This debt collectors has violated the fdcpa 1006.18 False, deceptive, or misleading representations or means. ( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section. 


This collection was disputed and was removed from my credit report because it could not be validated. This company has now re-repored this known inaccurate information and has caused financial harm and difficulties by knowingly reporting this information on my credit report. This is not acceptable and saying they did not know is bull. I want to be compensated for this direct violation of the fdcpa and these illegal tactics.

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 2024-11-24 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:
There is information thats on my consumer report that appears on my TransUnion consumer reports that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block identified transactions. The identified transactions are not information related to any transaction made by me as the consumer. PLEASE REMOVE AND DELETE THE FOLLOWING INFORMATION BELOW FROM MY CONUSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate opened- XX/XX/year>. I Demand for this account to be REMOVED/ DELETED from my credit reports. I have also filed a FTC REPORT. See ATTACHMENT

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 2024-11-24 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: NY

Complaint narrative:
I have received XXXX 's letter dated XX/XX/2024, in response to my request to remove the inaccurate information reported about my account. 
I am requesting XXXX specific items, which they have failed to provide in your responses to my letters dated XX/XX/2024, and XX/XX/2024 : 1. Proof of Notification with Tracking Number : Under 15 U.S. Code 1666b, which includes the required information under 15 USC 1637 ( b ), I am asking you to provide proof that the periodic statement was mailed or delivered to me no later than 21 days before the payment due date. I require the tracking number that confirms this information was mailed within the legally mandated timeline.

2. Proof of Notification Prior to Negative Reporting : Under 15 U.S. Code 1681s-2 ( a ) ( 7 ), I demand proof, including a tracking number, that a notification was sent to me 5 days before any negative information was reported to the credit bureaus, as required by law.

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 2024-11-24 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: NY

Complaint narrative:
I have received XXXX 's letter dated XX/XX/2024, in response to my request to remove the inaccurate information reported about my account. 
I am requesting XXXX specific items, which they have failed to provide in your responses to my letters dated XX/XX/2024, and XX/XX/2024 : XXXX. Proof of Notification with Tracking Number : Under 15 U.S. Code 1666b, which includes the required information under 15 USC 1637 ( b ), I am asking you to provide proof that the periodic statement was mailed or delivered to me no later than 21 days before the payment due date. I require the tracking number that confirms this information was mailed within the legally mandated timeline.

2. Proof of Notification Prior to Negative Reporting : Under 15 U.S. Code 1681s-2 ( a ) ( 7 ), I demand proof, including a tracking number, that a notification was sent to me 5 days before any negative information was reported to the credit bureaus, as required by law.

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 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
There are several personal information items incorrectly reported incorrectly 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 non-monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Cascade CISS Holdings, LLC
State: MA

Complaint narrative:
I have tried to communicate with the following entities as they have inquired my credit on XXXX  and XXXX and I have tried to reach out but no luck trying to have someone who can help. 

I have been advise by a customer service lady that I can complete this form to have someone who can help - Xactus LLC XXXX XXXXXX/XX/XXXX I called and the lady asked for my full name and info. She wasnt able to find any account with my name and couldnt help me XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Same story as I called and was told that couldn't help me and to get account number for them to find account and they appear two times. 

XXXX XXXX XXXXXX/XX/XXXX called and no information was able to be provided XXXX XXXX XXXX XX/XX/XXXX called and no information was able to be provided. even when to the branch but they saud to go online or call XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation