vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 
Please remove the following items from my credit report immediately 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 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 2025-01-08 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 
Please remove the following items from my credit report immediately 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 2025-01-08 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: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
ON Sat XX/XX/XXXX XXXXXXXX XXXX I RECEIVED A EMAIL FROM REGIONS ABOUT AN APPROVED PURCHASE OF XXXX DONE ON XXXX. I CHECKED MY BANK AND THE PENDING CHARGE OF XXXX WAS THERE. I DID NOT MAKE A PURCHASE OR AUTHORIZE A PURCHASE AT ALL. WITH THE XXXX CARD ON XXXX ON THE XX/XX/XXXX DATE. I DO HAVE SCREENSHOTS OF MY REGION ACCOUNT AND THE XXXX ACCOUNT. REGIONS KNEW THIS WAS A FRAUD CHARGE AND LET IT GO THROUGH ANYWAY. AT THIS POINT, THE REGION HAS NOT GIVE ME MY FUNDS BACK AND ARE HOLDING THEM FROM 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 monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im fed up with these fraudulent accounts on my credit report. Theyve been damaging my score and blocking me from opportunities Ive worked hard for. The longer this goes on, the more frustrated and helpless I feel.

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 2025-01-08 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: FL

Complaint narrative:
I am submitting this complaint against Transunion regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as XXXX XXXX on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX, while my credit report shows an outdated address oXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX. I request that my current address be updated accordingly. 




Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license and Social Security displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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 2025-01-08 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: KS

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT 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 2025-01-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: FL

Complaint narrative:
Back in XXXX its I was given a completely different amount and spoke to the original person who I owed, which was XXXX XXXX XXXX XXXX apartment complex in XXXX XXXX  which from there we were coming up with a plan for the Payment in XXXX Hunters Warfield appears on my credit report for a completely different amount. I disputed the account on both my XXXX XXXX and my XXXX numerous times for the first time in almost 2 years, I received a phone call from Hunters Warfield with them trying to state that I owed a completely different amount which was about {$2000.00} less than what it shows on my credit report They did not have my information, just my name and date of birth which Im sure I had to give to verify outside of that they had no additional information for me. I need to have this removed as soon as possible so that I am able to rent or buy a house for myself because this is something that is hindering that growth. They continuously keep updating the account every few months. The last update was XX/XX/XXXX the time before that was XX/XX/XXXX. This happened almost 2 years ago and so for it to continuously be updating as if anything has changed or any information has changed just doesnt make sense to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have banked with Bank of America for over 20 years. 
I waited to receive my tax return from the government, which took 4 extra months. When I finally received my money on XX/XX/year> I deposited the check into my bank account via the ATM. 
I tried to check my online account on Tuesday, XX/XX/year>, only to find out that Bank of America had closed my account for fraudulent activity because I deposited my tax return check that the United States Treasury issued. I proceeded to contact the IRS asking if they had reported my check as fraudulent and they denied having anything to do with this. This was a malicious decision by BOA. They told me I would need to wait 24 to 48 hour to find out what was going to happen to my money in my account. When I called back 24 hours later I was told I would not receive any of my money until XX/XX/XXXX at the earliest. This is going to cause me to become homeless.

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 2025-01-08 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: PA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, i had a late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all Information with complete accuracy. this account has not been late on payment on the following date XX/XX/year> I'm now requesting you investigate this account and update this payment to paid on time Immediately. Thank you for your understanding and prompt action. 

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 explanation
Consumer complaint received 2025-01-08 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: PA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, i had a late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all Information with complete accuracy. this account has not been late on payment on the following date XX/XX/year> I'm now requesting you investigate this account and update this payment to paid on time Immediately. Thank you for your understanding and prompt action. 

Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: PA

Complaint narrative:
I have submitted multiple disputes to XXXX XXXX, and transunion by mail and online as well as complaints through CFPB about accounts on my credit report and asking for investigation. Each time, they say that the consumer verifies, but does not provide the findings or verification of the investigation and what proof. It has gotten to the point where I am now in contact with a lawyer because they are hurting my credit by reporting the account XXXX negatively which was paid in reporting. There is also another account that is reporting that I recently have disputed and they have not provided any documentation of verification for the account 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 2025-01-08 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: PA

Complaint narrative:
I have submitted multiple disputes to XXXX  equifax, and XXXX  by mail and online as well as complaints through CFPB about accounts on my credit report and asking for investigation. Each time, they say that the consumer verifies, but does not provide the findings or verification of the investigation and what proof. It has gotten to the point where I am now in contact with a lawyer because they are hurting my credit by reporting the account XXXX negatively which was paid in reporting. There is also another account that is reporting that I recently have disputed and they have not provided any documentation of verification for the account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have a closed XXXX  XXXX account that was paid off it still shows on the report as a credit line. 
I have several student loans from the department of education that are showing up as late payments and those loans are XXXX XXXX XXXX XXXX 
I have a XXXXXXXX XXXX credit card that was paid off and I still shows on my credit report as a credit line. 
I paid off a XXXX XXXX XXXX and a bill from XXXX XXXX  that were both in collections and is still showing as well. 
I have a XXXX XXXX XXXX credit card that is showing up as a XXXXXXXX XXXX XXXX and a XXXX XXXX. I don't know who to pay. 
I also have XXXX inquires all from XXXX XXXXXXXX dating back to XXXX that should have been soft inquires. 

I have submitted several dispute request to explain they all come back verified.

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 2025-01-08 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: U.S. BANCORP
State: GA

Complaint narrative:
I did a balance transfer with US Bank. I typed in the number of my card correctly and USBank sent the check to XXXX instead of XXXX. When I called USBank they said I would have to take care of this myself by getting in touch with XXXX. When I called XXXX they told me I would have to get in touch with USBank. I had to report fraud to both companies to get either of them to listen to what I was trying to say. 

USBank sent me a copay of the check and on the check was the credit card number the check was supposed to go to. The credit card number was clearly a XXXX credit card. USBank would not take responsibility at first until I called the fraud number. XXXX would not even listen to what I was trying to tell them, that they cashed a check for an account they did not even own, until I had to call their fraud department.

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 2025-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Below is the actions taken by the company fraudulently. I've never done business with them nor do I owe any debt to past creditors, This company fraudulently reported buying a debt and report late payments LVNV FUNDING LLC Opened XXXX {$930.00} LVNV FUNDING LLC Opened XXXX {$970.00} LVNV FUNDING LLC Opened XXXX {$1500.00} LVNV Funding LLC has 4 fraudulent Accounts opened and reporting monthly to credit bureaus. I've disputed the charges with XXXX, XXXX XXXX and XXXX. However this company is still reporting. Please have this company remove these accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: AL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2025-01-08 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: FL

Complaint narrative:
My Equifax credit score suddenly dropped XXXX points today because an incorrect collection for a debt that is not owed was placed on my report. A collection agency called " XXXX, '' put a claim for from " Original creditor XXXX XXXX XXXX '' However, I confirmed with the college that this debt was not owed because the course was dropped before the debt deadline, and I have records in writing reflecting that. This impacts my ability to buy a home significantly and amounts to fraud. If this false claim is not removed from my credit report promptly, I will be taking legal action. 

As a higher education professional ( and XXXX. ), I will also be reporting XXXX to the Department of Education for the practice of placing a fraudulent debt for collection. This action goes against the very mission of institutions of public education. I considered attending XXXX for XXXX XXXX one semester and dropped the course before the semester even began. The registrar confirmed that it was dropped, and no fee was owed. Regarding " XXXX, '' this organization has no legal right to place a fraudulent debt on my account and destroy my hard-earned excellent credit in a moment. I am looking to buy a home and may have to renew my lease now because this fraudulent action incorrectly tanked my score by nearly XXXX points. This is so obsentibly wrong ; I still can not believe that this is happening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: USCB Corporation
State: PA

Complaint narrative:
I signed up to do a course with XXXX XXXX. After going through financial and emotional crisis I asked to cancel and they said I'd have the responsibility to pay XXXX plus dollars and they further lowered it down to XXXX payments of {$20.00}. And it would have taken care of my bill. Then a debt collector UsCB cooperation contacted me requesting I pay {$900.00} plus dollars and attached it to my credit report. 

I explained to the debt collector what happened and of current I am unemployed they said they'd investigate it. As far as I know I owe XXXX XXXX {$20.00}. Why can life be so unfair. I even told the debt collector they haven't even reached out to settle before attaching to 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 2025-01-08 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: PA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, i had a late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all Information with complete accuracy. this account has not been late on payment on the following date XX/XX/year> I'm now requesting you investigate this account and update this payment to paid on time Immediately. Thank you for your understanding and prompt action. 

Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/year>, I received a notice regarding a debt allegedly owed to Midland Credit Management , Inc . I immediately contacted the company and requested validation of the debt, including proof that it was mine, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). Despite my request, no documentation or evidence was provided to substantiate the claim that this debt belongs to me. 

In addition to the lack of validation, I have been subjected to repeated harassing calls from Midland Credit Management XXXX Inc., including threats to seize property and pursue court injunctions, which I find to be both distressing and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Santander account on my credit report and it has been wrote off and I have never recieved a 1099c for the account. This account should not be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

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