vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX To whom it may concern : I need your professional assistance. 

I am finding that no matter how much Present Positive credit information the credit bureaus should be reporting to my credit files monthly, they have refused to update my credit files with this information, and they are not raising my credit score accordingly. 

Instead, they are allowing old creditors that I have had nothing to do with for 5 years, the bureaus are allowing these old creditors to destroy and slander my name, and Present credit rating, by going along with them and falsely placing untruthful derogatory old account information onto my credit files. 

The bureaus are unjustly keeping my credit scores low, and they have caused my Present Creditors to lower my credit limits, due to the fraudulent false lies that they are reporting to my credit files, by RE-AGING, old False Derogatory, Negative Payment, and Account Status information from the old 5-year-old accounts. 

The credit bureaus have old XXXX accounts, being made to appear as if I have Brand New Collections, and Brand New Charge off accounts, as well as Past due payments, AND NONE OF THIS IS TRUE. 

For years I have had to go through this, every year like clockwork the credit bureaus continue to do this, just as they have already done for the beginning of this year XXXX. 

My credit files and credit scores have been further ruined by the wrongful false fraudulent RE-AGED DEBTS, AND ACCOUNTS that the credit bureaus continue to update as though they are new. 

This has happened so much, and for so long, that it is so obvious that this is being done deliberately. 
And this is why I am seeking your assistance, I have an excellent payment record, and the credit bureaus are deliberately not reporting my accurate credit rating information, and as stated they are deliberately keeping my credit scores in the low 500s, thereby keeping me from conducting financial transactions that I should be free to make, like any other consumer. 

Every month I pay a mortgage, and other debts, and it is only fair that my credit reports reflect the true history of my payments. 

Not the made up lies that are being reported to keep me down. 

I would like to have someone at the credit bureaus in an upper managerial position to investigate the abuses that have been continually being done to my credit files.

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my extreme dissatisfaction with the inaccurate and damaging information contained in my credit report. A recent investigation has revealed numerous unverifiable, invalidated, inaccurate, and questionable items that your agency has failed to ensure are reported accurately. 

This negligent reporting has caused severe distress and XXXX, as I rely on my credit report for financial stability and opportunities. It is unacceptable that your agency has neglected its duty to ensure that all information reported is 100 % accurate, as mandated by the Fair Credit Reporting Act. 

Furthermore, it has come to my attention that the accounts in question are in direct violation of 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which stipulate the requirement for 100 % accurate reporting. This blatant disregard for federal regulations can not be tolerated. 

Attached are copies of all previous correspondence sent to your agency regarding these inaccuracies. I demand that immediate action be taken to correct these errors and ensure that my credit report is accurately and fairly represented. 

Failure to comply with this demand will result in further legal action, including but not limited to, filing complaints with regulatory authorities and pursuing civil remedies. 

I expect a prompt response to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: FL

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these unauthorized and fraudulent inquiries are STILL reporting. I am a victim of identity theft. The information attached 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. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These unauthorized and fraudulent inquiries are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity.

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # beginning XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # beginning XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2024-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: AL

Complaint narrative:
I have filed a complaint with the Identity Theft.gov of FTC. XXXX XXXX XXXX XXXX XXXX has sent me three invoices ( BILLS ) demanding {$1200.00}. This was for a XXXX XXXX. They did not tell me what the invoice was for, or even what company was selling it. I received a call from a man, who would not identify himself or the company he was working with. I tried to get all the above information and gruffly said something and immediately hung up the phone. Next, I received a call from Radius Global Solutions, LLC, a collection agency, telling me that I owed XXXX XXXX XXXX money. I refused and asked for proof of this. I received in the mail a completed online " CONSUMER RENTAL- PURCHASE AGREEMENT " form, signed by XXXX XXXX XXXX XXXX President of XXXX XXXX XXXX XXXX XXXX XXXX This was dated XX/XX/year>. This form does not tell who sold the scooter and I have not received a scooter of any kind. I did not order one and do not need a scooter or any other apparatus for personal transportation. On the purchase agreement, there are several printed signature names. This is NOT my printing and, the signature area blocks should be a cursive signed signature. Again, somebody, other than me, filled this in with printed letters. I have just gone through the online signing of two different Sell/Buy purchase agreements. Both agreements required a cursive written signature to be done by an online service company, with a cursive signature, who is signing the agreement/contract. What I received in the mail, looks like a blank form, that was filled out by a physical person, not by an online company program. I have never heard of XXXX XXXX XXXX, XXXX, or Radius Global Solutions, LLC until now. I did contact The XXXX XXXX XXXX about XXXX XXXX XXXX. Their report was of many false claims for money from people who had paid off their purchase agreements or did not owe the amounts XXXX XXXX XXXX was demanding. There are several CLASS ACTION SUITS pending against XXXX XXXX XXXX at this time. XXXX XXXX XXXX XXXX XXXX has filed complaints to XXXX, XXXX, AND XXXX credit bureaus for nonpayment of account. I was not informed of this action, so I will be sending a rebuttal action to the credit bureaus. I and others, by The XXXX XXXX XXXX report, believe this is a " SCAM " and also a case of " IDENTITY Theft "!

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 2024-03-08 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: MS

Complaint narrative:
Upon reviewing my credit report, I have identified XXXX accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: MD

Complaint narrative:
I have noticed some unauthorized and fraudulent inquiries on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: NC

Complaint narrative:
I am writing to request the removal of unauthorized inquiries from my credit report. I have identified those inquiries that I did not authorize.

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-03-09 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: PA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: CO

Complaint narrative:
Kindly ensure the removal of inaccurate accounts noted on my credit report, as mandated by FCRA 605B. Could you please verify the documentation? The presence of these erroneous accounts is causing me distress.

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 2024-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NC

Complaint narrative:
Chime bank refused to accept my payroll check for deposit. They would not attempt to verify the check with XXXX XXXX or even run the check, they just told me to use it elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
Money was sent to cash app XXXX XXXX XXXX I reported it to cash app and the did not give me any information of the person that received the funds. 

Reported with cash app XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to request the removal of unauthorized inquiries from my credit report. I have identified those inquiries that I did not authorize.

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 2024-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I asked each company to send me a copy of the XXXX XXXX recite with my name and home address on it, and to sign and return the 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 2024-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account

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 2024-03-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: CA

Complaint narrative:
I received email today, saying I opened a new account with Chime, and trying to setup direct deposit and apply for chime credit card. I can see the name and the direct deposit infos from the email. It is for another person. 

I called immediately and asked to close this fishy account. Because I don't believe you can open a bank account with another person 's email address, without access to the email account and identity theft intention. 

The customer service turned down my request and saved many of my personal information, like date of birth, name, phone number, etc, but just updated the email address to another random address he made up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
This is related to a previous complaint I had filed ( XXXX ) I am filing a new complaint because I do not believe that Barclays has XXXX investigated this matter- I have email documentation that I attempted to cancel the MagicJack account, as a description of their policies from the time I canceled. 

On XX/XX/XXXX, I tried to cancel a service called XXXX service for XXXX through the procedure listed on their website, by turning off auto-renew for billing. 

However, I was still charged for the service for the year XXXX on my Barclays credit card. I emailed and called XXXX customer service but could not get a customer representative to resolve the issue. I have an email exchange with a customer service representative from XXXX starting from XX/XX/XXXX. As a result, I opened up a dispute with Barclays. Barclays opened an investigation but closed the investigation promptly without asking us for documentation. As a result, I filed a complaint with the CFPB. After that, Barclays reopened the investigation and provided me with a contact to ask about the investigation. 

Recently, Barclays informed us that they had closed the investigation again. When I called Barclay 's to inquire about the investigation they claimed XXXX had no documentation that we had tried to cancel the service. Barclay 's did not fairly investigate this issue or ask us for the documentation we have on hand. 

Barclays has asked us to pay the charge for XXXX in XXXX but we do not feel like they have properly investigated this.

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 2024-03-09 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: TN

Complaint narrative:
I applied for a loan consolidation of my XXXX loans that was approved and consolidated in XX/XX/XXXX, during that process they were also transferred or sold to XXXX XXXX. I applied for the XXXX XXXX XXXX that was also approved in XXXX of XXXX. I reached out to XXXX and they stated it would take some time to update and be deleted from my report. I received an email from them in XXXX, I received a letter from them in the mail XXXX XXXX stating my loans were XXXX percent XXXX and would be removed from my credit report within XXXX days. I reached out to the company again and spoke with someone who stated her name is XXXX, I asked her why is my loans showing a balance XXXX from what I originally owed in XXXX loans which is XXXX now your records shows over XXXX. I noticed they were showing my XXXX loans before they were consolidated as well as the consolidated loans. She only kept stating it takes longer to discharge consolidated loans. I was put on hold XXXX  times just to keep getting told the same thing over and over it takes time. But according to the letter it stated XXXX days which is basically false information. Now my credit report is showing as if I owe on XXXX  loans that should be removed by now. Ive attached a document showing when my loan was with the XXXX  servicer as XXXX it was transferred to XXXX in the amount of XXXX but they are telling me I have a balance of XXXX and they XXXX some other loans and removed them 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 explanation
Consumer complaint received 2024-03-09 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: TN

Complaint narrative:
I applied for a loan consolidation of my XXXX  loans that was approved and consolidated in XX/XX/XXXX, during that process they were also transferred or sold to XXXX XXXX. I applied for the XXXX XXXX XXXX that was also approved in XXXX of XXXX. I reached out to XXXX and they stated it would take some time to update and be deleted from my report. I received an email from them in XXXX, I received a letter from them in the mail XXXX XXXX stating my loans were XXXX percent XXXX and would be removed from my credit report within XXXX days. I reached out to the company again and spoke with someone who stated her name is XXXX, I asked her why is my loans showing a balance XXXX  from what I originally owed in XXXX loans which is XXXX now your records shows over XXXX. I noticed they were showing my XXXX  loans before they were consolidated as well as the consolidated loans. She only kept stating it takes longer to discharge consolidated loans. I was put on hold XXXX  times just to keep getting told the same thing over and over it takes time. But according to the letter it stated XXXX days which is basically false information. Now my credit report is showing as if I owe on XXXX  loans that should be removed by now. Ive attached a document showing when my loan was with the XXXX  servicer as XXXX it was transferred to XXXX in the amount of XXXX but they are telling me I have a balance of XXXX and they XXXX some other loans and removed them from my credit report.

Company response to consumer: Closed with non-monetary relief