vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-30 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: NV

Complaint narrative:
I was trying to purchase house when I found out that there are damaging inquiries on my report according to 15 U.S.C 1681 law there should not be any damages on 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 2024-05-30 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: NV

Complaint narrative:
I was trying to purchase house when I found out that there are damaging inquiries on my report according to 15 U.S.C 1681 law there should not be any damages on report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-05-31 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: TX

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not the result of an error.

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 2024-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: AR

Complaint narrative:
I order a product from XXXX XXXX product was not what I ordered, so I returned products and there was a return slip in the packaging it was originally delivered in. I sent product back to the address listed on that return slip. Product never made it to XXXX. I provided picture of XXXX tracking slip showing it was delivered, apparently the return slip was a fraudulent package slip, as XXXX has no record of product being return. I filed dispute with my credit merchant on multiple occasions since XX/XX/year>, and have been provided re-assurance that this matter was taken care of but after a 90 day cycle of dispute review they through the charge back on to my card. I have done this now about 4-5 different times since XX/XX/scrub> XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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'm disputing and investigating these wrongly reported accounts on my credit file. According to the Fair Credit Report Act, I should get {$1000.00} for each mistake. The FCRA 605B says we must report any incorrect accounts on a consumer 's 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 2024-05-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, 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 explanation
Consumer complaint received 2024-05-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the 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 non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I do not owe this Debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
Chase advertises XXXX Pink membership for Chase Sapphire Reserve card. I had the membership activated in my account and I was getting the benefit before. 

Chase issued a new credit card number because of a fraudulent transaction. When the new card number was entered to XXXX, it was no longer getting the benefit. I reached out to XXXX and I was told that the card was not eligible for XXXX Pink benefit. Benefit could only be active when the card was added for the first time. Since the card was re-added ( because of the card number change ), I was no longer eligible for XXXX Pink benefit ( screen shot attached ). 

Chase failed to inform their customers about the effect of credit card number changes to the advertised benefits ( XXXX in this case ). The change of the card number was not a choice ; it was changed because of a fraudulent transaction. 

I tried to resolve this issue with Chase since XXXX with multiple calls without any resolution. Chase and XXXX were pointing at each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I always pay on time and I know this for sure. I don't understand why this company says I'm late some months. This shouldn't happen. According to USC 1666b, any billing mistakes should be fixed and marked as paid on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I always pay on time and I know this for sure. I don't understand why this company says I'm late some months. This shouldn't happen. According to USC 1666b, any billing mistakes should be fixed and marked as paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-31 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:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
I am currently enrolled in a XXXX XXXX and my student loans are not due for payment yet but I wanted to start making some payments toward them. On XX/XX/year> I signed up to put a payment through for XX/XX/XXXX for {$300.00} toward one of my loans. The amount was taken out of bank account as completed on XX/XX/year>. I went to log into my Aidvantage account today to check and see if I could make another payment and the payment that I made in XXXX was not allocated to my loan. This took me by surprise as my bank account was charged and the payment was completed. I am not happy with this as I feel like my money was taken from me. I am struggling financially and a student trying to put money toward my immense amount of student loans whenever I can. This has now deterred me from making another payment toward the loan as I feel like the money will go no where once again. I found it never allocated once I checked my prior payments and once I called, It was an automated message and they said " You have no payments on your account ''. I would like to get to the bottom of this as I know I am not the first individual to experience this from a loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: MI

Complaint narrative:
Discover Bank is reporting a charged-off account on my credit report. 

This account has a balance of XXXX showing on all 3 credit reports when in fact they have issued a 1099-C for this debt and cancelled it. 

The XXXX balance is showing as existing revolving debt on all 3 credit reports and preventing me from securing a home loan.

The balance on this account should show a XXXX XXXX XXXX XXXX  balance as the have cancelled the debt as shown on the 1099-C sent to me. 

I spoke with Discover and they will not correct it as they state they are reporting it correctly when in fact they are not. 

In box 6 they have code G and the 1099-C States " CANCELLATION OF DEBT '' I called to make a payment and they will not accept any money but continue to report this with an open balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/year> there was a letter sent to Transunion asking them to verify what I believe to be incorrect information about a few accounts reporting to my credit report listed as charge off and collections. I have sent this letter and know it has been delivered but I have yet to get a response from this company about the investigation into 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 2024-05-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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:
I am filing this complaint to express my ongoing dissatisfaction with Transunion 's handling of my credit report disputes. On XX/XX/year>, I submitted a formal dispute with a police report, FTC Identity Theft Report, and additional documentation to address fraudulent items on my credit report. Despite removing one account on XX/XX/year>, using the same information and documentation, on XX/XX/year> Transunion sent a letter stating they could not use the police report as it is validate, the credit bureau has failed to verify other disputed items or provide requested documentation, which should be resulted for removal. 
Under Section 611 ( 5 ) ( A ) of the FCRA, unverifiable information must be deleted. Transunion has not complied with this requirement and continues to maintain inaccurate information on my report. Additionally, I have not received the verification documents requested. 
I am enclosing my FTC Identity Theft Report, proof of identity, and a copy of my credit report highlighting the fraudulent items. I request immediate removal of these items as directed by Section 605B of the FCRA and notification to all furnishers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If this issue is not resolved within 30 days, I will pursue litigation under Sections 616 and 617 of the FCRA for willful and negligent noncompliance. This dispute is not third-party initiated and must be addressed 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 non-monetary relief
Consumer complaint received 2024-05-30 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:
Good Morning I recently reviewed my credit report and noticed an account that was not reporting accurately.I had a charge off status for over 5 years of something that I paid off in XXXX  a charge of {$180.00} dollars the report number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The consumer reporting agencies need to report all information with complete accuracy.This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX XXXX XXXXIm now requesting respectfully to investigate this account and update these payments to paid on time immediately. 

Thanks for the help and prompt action XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This is in reference to cases that you guys have closed..However Nothing was done and I am still being told that the transactions was authorized by me.And I can't prove that it wasn't However..Now information is being released about skimmer devices that started during the same time my accounts were closed when there were too much funds In the account that couldn't be withdrawn at am Atm machine..

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 2024-05-30 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: CA

Complaint narrative:
Dear Sir or Madam : I am a XXXX  citizen and XXXX XXXX I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

The account is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: GA

Complaint narrative:
I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.

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