vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-16 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: MI

Complaint narrative:
From XX/XX/XXXX through present XXXX has engaged in unfair or decepive, and absuive acts and practices. In XXXX of XXXX account ending XXXX was alleged by XXXX to have been charged-off. The data furnished by XXXX to the CRAs has been horridly inconsistentt and rife with facially false derogatory information to include an inaccurate Date of First Delinquency and inaccurate or misleading payment history for all months XX/XX/XXXX throug present. In response their XXXX XX/XX/XXXX to CFPB Complaint XXXX XXXX asked Consumer to understand that XXXX XXXX  is responsible for providing [ the information for account ending XXXX ] to the credit reporting agencies ; [ but ] the creditto On or around XXXX XX/XX/XXXX Consumer reviewed the statements from XX/XX/XXXX through XX/XX/XXXX for account XXXX. On or around XXXX XX/XX/XXXX Consumer reviewed the statements for account XXXX generated between XX/XX/XXXX and XX/XX/XXXX. Consumer found that a temporary credit was applied to Consumer 's accont in the amount of XXXX dollars on XXXX XX/XX/XXXX in response to a billing error notice filed by Consumer ( see statement XX/XX/XXXX - XX/XX/XXXX ). The temporary credit was reversed on XXXX XX/XX/XXXX ( see statement XX/XX/XXXX - XX/XX/XXXX ). From XX/XX/XXXX through XX/XX/XXXX no staements show a subsequent application of a temporary payment. However, the final statment generated BEFORE alleged C/O shows the revesral of a temporary statement credit of XXXX dollars. ( see statement XX/XX/XXXX - XX/XX/XXXX ). The same statement shows no application of a temporary credit. Thus a second temporary credit was reversed that did not exist causing XXXX 's systems to wrongfully charge the balance to loss at the end of XX/XX/XXXX. XXXX 's XXXX XX/XX/XXXX response to CFPB complaint XXXX provided a table corroborating the activity as described between XX/XX/XXXX and XX/XX/XXXX. My account was was wrongfully charged off due to XXXX 's unfair or decepive, and abusive acts or practices. 

Since the end of XXXX XXXX has closed out multiple CFPB complaints by marking said complaints as " duplicates, '' and justifying their actons by claiming the would not conduct any additional investigations without new or updated information from Consumer because thier alleged prior investigation found no errors. The specific complaints marked as duplicates are : XXXX XXXX XXXX XXXX XXXX XXXX Therefore, despite a facially inaccurate DoFD and payment history, it is likely XXXX is foregoing any investigations in response to the CRA 's transmission of Consumer 's dispute notices and documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
From XX/XX/XXXX through present XXXX has engaged in unfair or decepive, and absuive acts and practices. In XXXX of XXXX account ending XXXX was alleged by XXXX to have been charged-off. The data furnished by XXXX to the CRAs has been horridly inconsistentt and rife with facially false derogatory information to include an inaccurate Date of First Delinquency and inaccurate or misleading payment history for all months XX/XX/XXXX throug present. In response their XXXX XX/XX/XXXX to CFPB Complaint XXXX XXXX asked Consumer to understand that XXXX XXXX  is responsible for providing [ the information for account ending XXXX ] to the credit reporting agencies ; [ but ] the creditto On or around XXXX XX/XX/XXXX Consumer reviewed the statements from XX/XX/XXXX through XX/XX/XXXX for account XXXX. On or around XXXX XX/XX/XXXX Consumer reviewed the statements for account XXXX generated between XX/XX/XXXX and XX/XX/XXXX. Consumer found that a temporary credit was applied to Consumer 's accont in the amount of XXXX dollars on XXXX XX/XX/XXXX in response to a billing error notice filed by Consumer ( see statement XX/XX/XXXX - XX/XX/XXXX ). The temporary credit was reversed on XXXX XX/XX/XXXX ( see statement XX/XX/XXXX - XX/XX/XXXX ). From XX/XX/XXXX through XX/XX/XXXX no staements show a subsequent application of a temporary payment. However, the final statment generated BEFORE alleged C/O shows the revesral of a temporary statement credit of XXXX dollars. ( see statement XX/XX/XXXX - XX/XX/XXXX ). The same statement shows no application of a temporary credit. Thus a second temporary credit was reversed that did not exist causing XXXX 's systems to wrongfully charge the balance to loss at the end of XX/XX/XXXX. XXXX 's XXXX XX/XX/XXXX response to CFPB complaint XXXX provided a table corroborating the activity as described between XX/XX/XXXX and XX/XX/XXXX. My account was was wrongfully charged off due to XXXX 's unfair or decepive, and abusive acts or practices. 

Since the end of XXXX XXXX has closed out multiple CFPB complaints by marking said complaints as " duplicates, '' and justifying their actons by claiming the would not conduct any additional investigations without new or updated information from Consumer because thier alleged prior investigation found no errors. The specific complaints marked as duplicates are : XXXX XXXX XXXX XXXX XXXX XXXX Therefore, despite a facially inaccurate DoFD and payment history, it is likely XXXX is foregoing any investigations in response to the CRA 's transmission of Consumer 's dispute notices and documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Kindly delete these inquiries. I am unaware of them, and the company acted without my permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have maintained timely payments on this account without any delays. I am confused by the late payment remarks on my accounts. Under 15 USC 1666b, any billing errors should be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: SC

Complaint narrative:
In accordance with the fair credit reporting act, the list of the accounts below, has violated my federal, protect the consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX 15 USC 1681 section 602 a states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any other following items of information any other adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has responsible cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Purchased an item from Amazon last fall. Filled out all the necessary information required. It included signing up for a credit card. Dont recall it including joining up for a monthly fee. Paid the charge when due and never used the card again. Several months later I started receiving bills from Synchrony Bank. Called them and told them I didnt want the account and didnt use it. Two months or so later I received another online bill that included 2 months additional fees. Called them and verbally pled my case and was told it would be taken care of. Last month I received another bill with additional membership fees. Called them again and was told l owed them and would have to pay up. I have no intention of paying for something I didnt need or want. Can you help resolve this for 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 2024-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: TX

Complaint narrative:
On XX/XX/23 I purchased XXXX XXXX  items totaling {$260.00} from the business XXXX apparel by XXXX through a payment plan with XXXX. After XXXX months of waiting for this order, I reached out to XXXX while completing the XXXX payments of {$65.00} to inform them of the situation that I can not get in contact with the business and my order has not been fulfilled. XXXX informed me that they will not be able to cancel the payment plan until the merchant cancels with them or forwards the payment for the order. I made several attempts to reach out to the business via XXXX direct message and email to inquire about delivery status of the order and to communicate with XXXX regarding cancellation but could not make contact with the business until 12/9/23.The business informed me that their old clothing XXXX was compromised and they are not able to resolve any disputes and that I should chargeback the order with the bank to receive my money back. I charged back all XXXX payments of {$65.00} due to the inability to retrieve the mercandise or cancel the order with the company. On XX/XX/23 the merchant scheduled a phone call with the merchant owner, XXXX, and I to discuss how to resolve this dispute which resulted in no solution and XXXX  requesting payment from the business or the debt will mine to resolve. XXXX originally informed me that they just needed to contact the merchant to contact them to continue cancellation of the order dispute and then resulted to saying that no solution can be made because I waited to long to create a dispute with XXXX.The merchant refused to relinquish payment for unfulfilling the order which led to XXXX charging off the order and transferring the collection to TrueAccord.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: IN

Complaint narrative:
I have repeatedly submitted my identity theft affidavit to Equifax using their online portal. On this affidavit, I explicitly stated that I did not authorize a good number of inquiries on my credit report, and that they should have been removed immediately per 605 ( b ) of the FCRA. The inquiries that are unauthorized are : 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 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 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and this is not a third party filing this complaint. After reviewing my consumer report I have notice several instances and fraudulent inquiries. I respectfully ask if this items can be removed because they are either inaccurate and or fraudulent. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: FL

Complaint narrative:
I am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: NJ

Complaint narrative:
There is an inquiry in my report that i don't recognize. this is fraud and i want it to be removed as soon as possible Thank you. 

XXXX XXXX inquiry date XX/XX/year>XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
XXXX XXXX 2022 XXXX LVNV FUNDING LLC I NEVER WORK WITH THIS COMPANY

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my reports. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Global Processing Services, LLC
State: TX

Complaint narrative:
XXXX XXXX called and said that I had an outstanding debt from a XXXX XXXX company in the amount of {$1200.00}, but I could settle for {$380.00}. I was told not settling would lead to having my wages garnished up to 35 %. I told her she didn't even let me know who I owed the debt to and she said XXXX XXXX XXXX. I asked when it was as I don't have any outstanding debt and she said it was from 2014. I let her know that Texas has a statute of limitations on collections even if this was my debt and she said since it was a bank product, they could " take me to jail for it if they wanted to. '' I asked why I hadn't received anything in the mail and she said they had been sending me mail for " many years '' to my address, where I've only lived for 3 years. I asked for a validation of debt to be sent via certified mail and she said they are just the process server and the paperwork is " with my file '' with the original debtor so they can't send it to me. She also told me I would have to prove in court that I never received any documentation from the company if I didn't want to pay the settlement amount right then.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: VA

Complaint narrative:
I looked back at my credit report on XX/XX/XXXX, and noticed that my this account still stands. It is not accurate and should be deleted immediately due to the nature. According to the fair credit reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account { Name : XXXX XXXX & Account XXXX : XXXX }. This account is not accurate. According to 15 USC 1681s-2. A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
M

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