vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-06 00:00:00
Product: Credit reporting, credit repair services, 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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The remaining inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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 2022-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XXXX XX/XX/XXXX XXXX XXXX responded to CFPB complaint XXXX stating : " Your account was charged off on XX/XX/XXXX and we are no longer sending you billing statements. '' However, the collections agent XXXX XXXX assigned stated " Your account was recalled by XXXX on XX/XX/XXXX ; '' That is, XXXX XXXX recalled the account knowing full-well a billing investigation had not been conducted. Yet, without conducting a billing error invesigation, XXXX XXXX allegedly charged-off the account on XXXX XX/XX/XXXX. Under 12 CFR 1026.13 Billing error resolution XXXX XXXX was to have conducted a billing error investigation. They did not. Moreover, 12 CFR 1026.13 ( 2 ) states that Adverse credit reporting is prohibited. " The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. '' What XXXX XXXX did was conduct a billing error investigation post-facto, and then commenced furnishing negative payment history to the CRAs around XX/XX/XXXX. I have had to have it removed when I've caught it. Unfortunately, XXXX XXXX began reporting payment history again to the CRAs in XXXX of XXXX advancing deliquency status by thirty ( 30 ) days but have failed to send me a bill. It is incohate for a charged-off account to both be charged-off and past-due, advancing the adverse payment history every thirty ( 30 ) days. Finally, screenshots from XXXX XXXX website celarly show that out of the total outsanding balance only around four-hundred dollars is allegedly past-due, which is consistent with the adverse history furnished to the CRAs. Since XXXX XXXX is clearly furnishing payment history to the CRAs, while amditting they are no longer sending me statements, '' I am asking for the CRAs to remove the account/tradeline for this accout because the account history remains incohate due to the post-facto billing investigation. They have chosen not to comply with Federal law regarding Regulation / TILA, billing error investigations under 2 CFR 1026.13, collection practices under FDCPA, and data furnishing responsibilities under the FCRA.

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 2022-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XXXX XX/XX/XXXX XXXX XXXX responded to CFPB complaint XXXX stating : " Your account was charged off on XX/XX/XXXX and we are no longer sending you billing statements. '' However, the collections agent XXXX XXXX assigned stated " Your account was recalled by XXXX on XX/XX/XXXX ; '' That is, XXXX XXXX recalled the account knowing full-well a billing investigation had not been conducted. Yet, without conducting a billing error invesigation, XXXX XXXX allegedly charged-off the account on XXXX XX/XX/XXXX. Under 12 CFR 1026.13 Billing error resolution XXXX XXXX was to have conducted a billing error investigation. They did not. Moreover, 12 CFR 1026.13 ( 2 ) states that Adverse credit reporting is prohibited. " The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. '' What XXXX XXXX did was conduct a billing error investigation post-facto, and then commenced furnishing negative payment history to the CRAs around XX/XX/XXXX. I have had to have it removed when I've caught it. Unfortunately, XXXX XXXX began reporting payment history again to the CRAs in XXXX of XXXX advancing deliquency status by thirty ( 30 ) days but have failed to send me a bill. It is incohate for a charged-off account to both be charged-off and past-due, advancing the adverse payment history every thirty ( 30 ) days. Finally, screenshots from XXXX XXXX website celarly show that out of the total outsanding balance only around four-hundred dollars is allegedly past-due, which is consistent with the adverse history furnished to the CRAs. Since XXXX XXXX is clearly furnishing payment history to the CRAs, while amditting they are no longer sending me statements, '' I am asking for the CRAs to remove the account/tradeline for this accout because the account history remains incohate due to the post-facto billing investigation. They have chosen not to comply with Federal law regarding Regulation / TILA, billing error investigations under 2 CFR 1026.13, collection practices under FDCPA, and data furnishing responsibilities under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XXXX XX/XX/XXXX XXXX XXXX responded to CFPB complaint XXXX stating : " Your account was charged off on XX/XX/XXXX and we are no longer sending you billing statements. '' However, the collections agent XXXX XXXX assigned stated " Your account was recalled by XXXX on XX/XX/XXXX ; '' That is, XXXX XXXX XXXX XXXX account knowing full-well a billing investigation had not been conducted. Yet, without conducting a billing error invesigation, XXXX XXXX allegedly charged-off the account on XXXX XX/XX/XXXX. Under 12 CFR 1026.13 Billing error resolution XXXX XXXX was to have conducted a billing error investigation. They did not. Moreover, 12 CFR 1026.13 ( 2 ) states that Adverse credit reporting is prohibited. " The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. '' What XXXX XXXX did was conduct a billing error investigation post-facto, and then commenced furnishing negative payment history to the CRAs around XX/XX/XXXX. I have had to have it removed when I've caught it. Unfortunately, XXXX XXXX began reporting payment history again to the CRAs in XXXX of XXXX advancing deliquency status by XXXX ( XXXX ) days but have failed to send me a bill. It is incohate for a charged-off account to both be charged-off and past-due, advancing the adverse payment history every thirty ( 30 ) days. Finally, screenshots from XXXX XXXX website celarly show that out of the total outsanding balance only around four-hundred dollars is allegedly past-due, which is consistent with the adverse history furnished to the CRAs. Since XXXX XXXX is clearly furnishing payment history to the CRAs, while amditting they are no longer sending me statements, '' I am asking for the CRAs to remove the account/tradeline for this accout because the account history remains incohate due to the post-facto billing investigation. They have chosen not to comply with Federal law regarding Regulation / TILA, billing error investigations under 2 CFR 1026.13, collection practices under FDCPA, and data furnishing responsibilities under the FCRA.

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 2022-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove the following items : XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$120.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX PHYS XXXX ) XXXX Balance : {$250.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$2500.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$340.00} Date Opened : XX/XX/XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Credit reporting, credit repair services, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove the following items : XXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Balance : {$120.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$250.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$2500.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$340.00} Date Opened : XX/XX/XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
On XX/XX/2022 I used my American Express card for dine-in at XXXX XXXX XXXX XXXX XXXX, WA. Without prior notification, XXXX XXXX XXXX added a {$0.00} " Retail Service Tax '' when paying. This is in addition to the expected sales tax. I found out about the additional charge after swiping my card. There is no such tax called " Retail Service Tax '' in Washington State. The restaurant employees were not sure why this fee was added. There is also no posted notice of the fee. The restaurant was unwilling and unable to provide a refund, since they blamed it their payment processor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
It is evident these issues are common but what is being done about it? The banks know our spend algorithms and bank on them by holding deposits for a length of time in which overdraws most accounts. I see contacting the CFPB has no impact on them, nor do they threat even the mere possibility of recourse. I question why do these jobs even exist when the case gets closed or even redirected to the FTC, which still gets nothing done?!?! Can I have a job??? I can do nothing really well. 
Look... I am a small business with great aspirations and future potential trying to make a way in life with minimal resistance, all I want is to be paid. Chase bank has received deposits every week from the same account for the last six weeks and still deems the account holder high risk. I know my money is small in nature and can't compare to the big boys but it's the little guy that keeps the wheels moving, I am posting this so everyone who shares similar experiences as myself will give up hope because nothing will ever be done, the CFPB, FTCXXXX XXXX XXXX  won't do nothing because nothing is in it for them ( this is my opinion ) My advice is run as fast as you can away from Chase Bank, they are a third party bank and don't follow same rules as everyone else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
My debt started out with Indigo credit card. I fell behind on my payment as I was off work without pay to take care of my sick mother who ended up passing during covid. I tried contacting indigo on several occasions by phone putting my credit card information in on the automated system. I could never got a live body to speak with in which the system would state that my account was being sent to collections and I should receive something by mail or a call in a couple weeks. I never received any information for the collection by mail not once nor have a received a call from them. The collection company is call XXXX XXXX XXXX XXXX. After a couple of months I received alert from my credit report company stating that they had add this to my credit report without contacting me. I have filed a dispute against Indigo because it is hard to get a live person to speak with so that I could settle with them and then I have also filed a dispute with the credit breu reporting agency and XXXX against XXXX XXXX XXXX XXXX. I filed these complaints on XXXX and still have not heard back from either company. I have asked for both of these accounts to be removed. Indio rips people off with. My credit limit was XXXX XXXX I tried to pay them the XXXX dollars to settle before and they told me I would have to pay the whole XXXX. As for XXXX XXXX XXXX XXXX. Not one letter or notice mail to me or call to speak about this debt but you throw it on my credit report. I would like both of these account removed. Indigo credit cards needs to get a better system so you can speak with a live rep. If I was able to do this maybe I would have been able to find out who the collection agency was and make a dispute or pay it before this took place. Now both of these companies are on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Credit reporting, credit repair services, 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:
This is my 7th endeavor that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX LA XXXX, LA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/2021 XXXX  XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$130.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$52.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$76.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX VERSE ) XXXX Balance : {$160.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is my 7th endeavor that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX LA XXXX, LA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/202XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$130.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$52.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$76.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$250.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$510.00} XXXX & XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$380.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief