vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To be clear, in no way have I initiated or authorized these accounts. Without my knowledge or agreement, these accounts were opened fraudulently. In order to resolve this matter, I have taken the required actions to notify the appropriate authorities of the alleged identity theft, including submitting a report to the Federal Trade Commission and the [ Name of Local Law Enforcement Agency ]. For your information, I've also included a copy of the Identity Theft Report that was submitted to the FTC. 

Since these accounts are not the result of any transactions or credit applications I have made, I respectfully ask that you look into the authenticity of these accounts and take the necessary steps to have them removed from my credit report. 

XXXX XXXX XXXX XXXX XXXXXXXX I humbly request that you acknowledge your commitment to looking into these accounts and send me a thorough written response as soon as you can. Please remember to include the following in your response Verification that you've started looking into these accounts copies of all supporting documentation and material pertaining to these accounts, including the application a signed declaration attesting to the fact that these accounts will be deleted from my credit record after your investigation is finished.

I recognize that this is a significant issue, and I implore you to take immediate action to make things right. I may have to take additional legal action to defend my rights and creditworthiness if I don't participate in getting this situation resolved.

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 2023-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to dispute the presence of fraudulent accounts on my credit report, which are negatively impacting my credit score. I have identified these accounts as the result of identity theft, and I am seeking your assistance in rectifying this matter. 
XXXX XXXX XXXXXXXX XXXX - XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXXXXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I am pleased to note that XXXX has already taken action by deleting the fraudulent account from my credit report. 
I kindly request that you conduct a thorough investigation into the fraudulent accounts listed above and promptly remove them from my credit report. I understand that the Fair Credit Reporting Act ( FCRA ) provides consumers the right to dispute inaccurate and fraudulent information on their credit reports, and I am exercising this right.

I am frustrated that, as a victim of identity theft, I am facing the consequences of someone else 's actions. I request that you expedite the resolution of this matter, as it is affecting my ability to access credit and achieve a better credit score.

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 2023-11-28 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: CA

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to express my extreme frustration and distress regarding the ongoing presence of fraudulent accounts on my credit report. Despite having escalated this matter to the appropriate authorities, the situation persists, tarnishing my creditworthiness. 
I have diligently followed the necessary steps to address this issue, including filing a police report and working with the relevant authorities. Unfortunately, the impact on my credit report remains, causing significant distress and adversely affecting my financial opportunities. 
XXXX XXXX XXXX XXXXXXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I kindly request an urgent and thorough reinvestigation into the fraudulent accounts listed above. 
I understand that the Fair Credit Reporting Act ( FCRA ) provides consumers the right to dispute inaccurate and fraudulent information on their credit reports, and I am exercising this right. Given the gravity of the situation and the steps I've already taken, I request that you prioritize and expedite the resolution of 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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-11-28 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: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
On XX/XX/XXXX I had filed a debit card dispute for a transaction of {$330.00} on my checking account from XXXX XXXX XXXX. My girlfriend and I had toured an apartment and ended up applying and paying a holding deposit the same day. We were told by the apartment representatives both verbally and through written documentation that if we applied the same day that we toured, both our application fees and holding deposit would be refunded. We ended up finding out that the apartment was misleading us regarding information prior to signing a lease. We told the apartment company that we were no longer interested in the apartment and would like a refund for the application and holding fees as previously agreed upon. I provided all the documented email conversations between myself and the company, which included the written offer to refund all fees if I applied the same day. Navy Federal had temporarily reversed the charge and added a credit in my account until the investigation was completed. On XX/XX/XXXX, Navy Federal sided with the company because " The fee you are trying to dispute is non-refundable, which was disclosed to you at the time of purchase. '' In the supporting documents I provided, the email chain goes over how we were intentionally mislead to believe the charges would be refunded. The representatives didn't provide any disclosures or restrictions that would limit the offer presented to us. It wasn't until we had already paid our application fees and then requested a refund that they told us that we had to move into the apartment to receive the {$330.00} back and that instead of the refund promised, it would be a credit to our account at a later date. This company decided to change the conditions of the special offered to us after we had already paid and Navy Federal took the side of the misleading company without any documentation of why. On XX/XX/XXXX, I requested an appeal on the dispute outcome and received what appeared to be an automated response from Navy Federals Debit Card Dispute Resolution center that provided me with no additional information to understand their decision. I responded on XX/XX/XXXX and haven't heard a response from Navy Federal since. This charge was textbook definition Fraud and Navy Federal is allowing it to happen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I hope you are doing well as I write this. I'm writing to let you know about something that's on my credit report. I recently discovered late payments on my account after looking through my credit report. I think there might be a mistake in the reporting, and I'm asking for your help to fix it. 
I am dedicated to making sure that my credit report accurately reflects my financial conduct and I am aware of how important it is to keep an accurate credit history. But I'm worried that these late payments are hurting my credit and making it harder for me to take advantage of good financial chances. 
XXXX XXXX XXXX- Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative. 
If the investigation confirms that the late payments are accurate, I kindly request your assistance in providing information on how I can work to repair my credit and improve my credit score. I am committed to taking the necessary steps to ensure my financial responsibilities are met in a timely manner. 
I appreciate you taking the time to consider this. I'm grateful for your help in getting this resolved and keeping my credit record 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 explanation
Consumer complaint received 2023-11-28 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: CA

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2023-11-28 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: CA

Complaint narrative:
I have consistently disputed the inaccuracies in the provided information with XXXX and TransUnion ; regrettably, the matter remains unresolved to date. 

The unauthorized inquiries are as follows : XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it 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 2023-11-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was solicited by a solar company to help save money on my electric bill. The young man that came was referred by my nephew who was just starting to work with the company. He went over the number of panels he said I would need and what it would cost me monthly. He said until my solar was connected to XXXX I would not have to make a payment because they had to work with XXXX to make the connection. He also stated that I would not be charged any interest until the panels were connected. I asked twice if he was sure because if the payment changed by any amount, it would not make sense for me to do it because any adjustments to the payment would put me in a hardship since I am on a fixed income. He assured me it would not and had me esign documents and told me I would be receiving {$10000.00} in tax credits once I filed my taxes. He also said that once I received the money to forward the money to them. Well, I filed my taxes and did not receive a {$10000.00} tax credit refund. When the bank who was handling the loan contacted me, I was told my payment would start in XXXX but then I got the shock of my life when the payment was higher. I filed a complaint an all I got was a copy of the note with language I had not seen before and something about the payment being adjusted. I should have known better but I believed what I was told. He also said there would be no lien on my property.

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 2023-11-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: ID

Complaint narrative:
Individual out of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX and account was closed XX/XX/XXXX for stop payment. Then the account was sent to collection agency. I was able to get it removed previously but XXXX XXXX XXXX again sent the report through another collection agency Credence. However, nothing I do has stop the activity of this individual. Tonight XX/XX/XXXX the same individual applied for a credit card account with XXXX XXXX XXXX. I was able to get the application stopped and cancelled for identity thief. I have all my credit bureau frozen so that application did not go through. I have not been able to prevent any activity that does not require a credit report such as checking, savings, or Telecommuncation companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 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: NY

Complaint narrative:
This is my repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX

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 2023-11-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Subject : Urgent Request for Documentation - Account Number [ Your Account Number ] Dear Sir/Madam, I trust this letter finds you well. I am writing to address a matter concerning the alleged debt associated with my account, specifically referenced under account numbers [ Account Number 1 ] and [ Account Number 2 ] that are also NOT reporting on my consumer report. As a responsible consumer, I have consistently sought to understand the details surrounding these alleged debts.

Your recent correspondence indicates two accounts, one with a balance exceeding {$600.00}. My primary concern is to obtain accurate and substantiated information regarding these purported debts. To this end, I have repeatedly requested documentation, particularly Form 1099-C, which would serve as proof of the debt cancellation.

While I appreciate the complexities involved, the timely provision of Form 1099-C is crucial for transparency and compliance with tax regulations. However, my attempts to obtain this documentation have been met with responses indicating that there " isn't time for that. '' In light of your assertion that I owe these debts, I kindly insist on the prompt furnishing of the Form 1099-C for the specified accounts. In the event that providing this documentation proves challenging, I must emphasize that the accounts in question must be promptly deleted from my consumer report.

Failure to furnish Form 1099-C or to delete the accounts from my consumer report will leave me with no choice but to escalate this matter further. I will be compelled to contact the IRS to report potential fraudulent activity, as the absence of proper documentation raises concerns about the legitimacy of these alleged debts.

I trust we can resolve this matter amicably, and your cooperation in providing the necessary documentation will be greatly appreciated.

Thank you for your immediate attention to this request. I anticipate your prompt response. 

Sincerely, 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 2023-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am extremely disappointed to inform you that the information on my credit report is incorrect and lacks sufficient evidence to verify its accuracy. The discrepancies identified could significantly impact my financial future, and I am writing to formally dispute and request the immediate removal of the inaccurate items from my credit report. Upon reviewing my credit report, I have found discrepancies related to the following items : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I have previously requested verification of these items. However, the information provided has been insufficient and inconclusive. I have lost all patience with the credit bureau 's lack of responsibility and accountability in reporting accurate information under the Fair Credit Reporting Act ( FCRA ). I demand that you conduct a thorough and immediate review of these disputed items and, in the absence of adequate verification, proceed to delete them from my credit report. Failure to comply with my request will result in legal action against the credit bureau and any other party involved in reporting inaccurate information 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 2023-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp.
State: CA

Complaint narrative:
I send money yo XXXX to my self and i never got the money but the bank say that i collect the money when is not true i use a company name worldremilty to send the money and the bank where i was send the money say that i collect the money but is not true because they say the money was collet at XXXX XXXX of XX/XX/2023 when is not true because the transantion was a XXXX is note posible because at that time the transantion it was not made yet that proof that the receit is not real. With these i give the right to consumerfinance to do what they need to do to get my money back thank XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-28 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: TX

Complaint narrative:
I just obtained my free credit report and saw some inquiries I have no knowledge neither did I authorize these hard inquiries that have been made on my credit report. They don't relate to anything I've did. I'm worried these inquiries will affect my chances of getting a home. Please remove these unauthorized inquiries from my credit report ASAP under 15 U.S. Code 1681c-2. Unauthorized Inquiries : XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief