vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-18 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: IN

Complaint narrative:
My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : XXXX  XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), AND XXXX XXXX XXXX ( XX/XX/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 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
I requested a credit report from Experian n realized there's a different last name with an opened account that is not mine the account is under XXXX XXXX, nevr went by this name, nevr seen it bfor, my credit went way down... says I also own a house I nebr lived in

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 2024-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I purchased an all-in-one washer-dryer Combo on a Best Buy Credit Card by Citibank in XXXX of XXXX. In XXXX, it could not be delivered and was returned to the store. I have not credited back the charge of over {$2700.00} with 24 months of XXXX interest. When I finally made it to the store in XXXX XXXX  and received my credit back, I decided to shop and look for a different washer that would fit my specifications ; this ended up not being a combo washer, and was a lot less money, closer to {$900.00} ; however, I was still able to get the deal of 24 months XXXX interest financing. After I bought my washer, about 4 days later I started receiving phone calls that my bill was late. I spoke to the representative and stated I had just bought my washer and it was not yet delivered yet, how can I owe a bill? The representative did not help, I asked for a supervisor and all I was asked repeatedly was when I was going to make a {$70.00} payment. If you do the math {$70.00} a month will have my washer paid off way before the 24months and that isn't correct for a minimum payment on the new charge There should not have been a bill due until XXXX. Since then I have not received a phone call from a supervisor like I asked to review my case and correct the issue. I have received 3-5 phone calls and voicemails daily from Best Buy Citibank about my past due bill, they have also charged fees for lateness and collection. I have no problem paying for what I purchased but they need to be fair in lending practices and charges as well as the harassment of phone calls 3-5 times a day. Why are they not following the XXXX rule? They are only allowed to contact 7 times in 7 days.

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 2024-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Debt Recovery, Inc.
State: MT

Complaint narrative:
There was a claim filed on behalf of my deceased mother 's estate in the amount of {$91000.00} for XXXX  XXXX recovery program, I submitted a undue hardship waiver due to the fact myself XXXX XXXX nephew are currently living in the home

Company response to consumer: Untimely response
Consumer complaint received 2024-02-18 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
They transferred me to the activation hotline. They activated my gift card. But I still having the same the problem over and over again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-18 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:
My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : XXXX ( XX/XX/2023 ), XXXX  ( XX/XX/2023, XXXX ( XX/XX/2023 ), XXXX XXXX XXXX ( XX/XX/2023 ), XXXX  ( XX/XX/2023 ), XXXX/XXXX  ( XX/XX/2023 ), XXXX  ( XX/XX/2023 ), and XXXX ( XX/XX/2023 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 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: CA

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the 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 non-monetary relief
Consumer complaint received 2024-02-18 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: CA

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: VA

Complaint narrative:
Chime Digital Bank Outage Class Action Settlement XX/XX/XXXX Chime digital bank has agreed to pay {$1.00} XXXX to resolve allegations that a XXXX service disruption caused its users financial damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: CA

Complaint narrative:
in accordance with the fair credit XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights.15 USC 1681 Section 602 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 1666B : A creditor may not treat a payment on a credit card account under an open end 366 consumer credit plan as late for did purpose. 
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 2024-02-18 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: LEXISNEXIS
State: CA

Complaint narrative:
in accordance with the fair credit XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights.15 USC 1681 Section 602 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 1666B : A creditor may not treat a payment on a credit card account under an open end 366 consumer credit plan as late for did purpose. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I filed a request with XXXX for an extended credit freeze due to being a victim of fraud and/or identify theft. XXXX processed and granted the request for an extended credit freeze. It is my understanding the other two credit bureaus would be contacted and put into place an extended freeze. Upon reviewing my file, TransUnion and XXXX have not put into place an extended credit freeze. 

I did my part and the system did not work as expected- Please help me ensure the other two credit bureaus do their part under the law / regulation and place an extended credit freeze under all bureaus.

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 2024-02-18 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: NY

Complaint narrative:
I have a BOGUS late payment on my mortgage loan account. i was never late. The company XXXX XXXX sent me my statement where it does not show ant LATE PAYMENTS. XXXX XXXX also said that I was never late. I send letters to the bureaus asking or deletion of late payment and they have not done so. please see the documents that will show you that there is NOT ONE LATE PAYMENT on my account. 
This needs t be deleted from my credit report ASAP and the bureaus simply say that this issue has been UPDATED or VERIFIED!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a BOGUS late payment on my mortgage loan account. i was never late. The company XXXX XXXX sent me my statement where it does not show ant LATE PAYMENTS. XXXX XXXX also said that I was never late. I send letters to the bureaus asking or deletion of late payment and they have not done so. please see the documents that will show you that there is NOT ONE LATE PAYMENT on my account. 
This needs t be deleted from my credit report ASAP and the bureaus simply say that this issue has been UPDATED or VERIFIED!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
Threw the cfpb I requested for quicken loans aka rocket home loans and properties partners XXXX XXXX  and XXXX  aka XXXX XXXX XXXX XXXX XXXX Too give me cpa accounting. And my bank account and all my land loans in the business and the company office address and the company computer system that is partners with XXXX XXXX XXXX  aka XXXX XXXX, XXXX XXXX XXXX. From year of XXXX up too now. XXXX XXXX XXXX.is not the owner any more but a expired fiduciary responsibility. From my family the XXXX family bank. And XXXX  family standard oil companies XXXX XXXX. XXXX. XXXX XXXX XXXX is failed also too place 4 of my business information into LLC. He has the following address under names when they soppose too be in a LLC names just as rocket home is. Address XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ga. XXXX XXXX XXXX XXXX ga, and XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ga.. All the rest of it is under LLC. Well XXXX XXXX XXXX XXXX ga XXXX. XXXXXXXX XXXX XXXX. Was place under a name not the llc.. XXXX XXXX XXXX the real owner of all this made me owner.by way of right of survivorship too all property under a EIN tax id number and his social security number. Expired year XXXX. Expired XXXX .y'all the trustee is not a legal owner aka trustee no more expired. And is fraud. I have file id fraud affidavit with the federal trade commission. Sense year of XXXX up too now. On all this. A id fraud and forgery escrow service report was made in XXXX of XXXX. And XXXX of XXXX. XXXX XXXX XXXXXXXX police XXXX XXXX. And XXXX XXXX XXXX and police department XXXX XXXX. 2 different police department. A affidavit was filed in XXXX XXXX court for a revoked also of power of attorney and attorney n fact services. All y'all got the notification. But is refuse too hand over cpa account and my computer system and bank account too all this.. Please contact me by way of ownership of email XXXX. and my up date phone number XXXX. XXXX XXXX. Was also on this XXXX XXXX XXXX XXXX ga XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Inaccurate Reporting and Violation of 15 USC 1692g - Account with L J Ross Associates, Inc Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against L J Ross Associates , Inc, regarding the inaccurate reporting of a paid-in-full collection on my credit report. I believe this action may be in violation of the Fair Debt Collection Practices Act, specifically Section 15 USC 1692g. The details of the account in question are as follows : Account Information : Account Name : L J ROSS ASSOCIATES, INC 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 - Despite the account being marked as " Paid, Closed '' since XX/XX/XXXX, it has not been removed from my credit report. This inaccurate reporting is adversely affecting my credit score and financial standing.

I would like to draw your attention to the Fair Debt Collection Practices Act, specifically Section 1692g, which states : 15 USC 1692g - Validation of Debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; and ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector. 

I am requesting a thorough investigation into this matter and the immediate removal of the inaccurate information from my credit report in accordance with the Fair Debt Collection Practices Act. I believe such action is necessary to ensure the fair and accurate representation of my credit history. 

I have attached supporting documentation, including proof of payment and closure of the account. I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-18 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: AR

Complaint narrative:
I was trying to buy a house and realized I had damaged on my credit report. According to the 15 U.S.C 1681 law there should not be any damages on my report. That is deformation to my character I didnt authorize these companies.

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 2024-02-18 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: CA

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the 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 non-monetary relief
Consumer complaint received 2024-02-18 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Experian report an inquiry in my credit report from XX/XX/year> by XXXX XXXX XXXX. I have no knowledge of authorizing this inquiry, neither or have an account with this company.

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 2024-02-18 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: TN

Complaint narrative:
I SENT A WRITTEN LETTER TO THE THREE REPORTING COMPANIES TO ACCURATELY MAINTENING MY CURRENT ADDRESS AFTER I EXPERIENCED IDENTITY THEFT SITUATION USING MY PREVIOUS ( 2 ) ADDRESSES. HOWEVER, ONLY XXXX DID AS REQUESTED. 
ATTACHED IS A COPY OF MY MYSCOREXXXX 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 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I SENT A WRITTEN LETTER TO THE THREE REPORTING COMPANIES TO ACCURATELY MAINTENING MY CURRENT ADDRESS AFTER I EXPERIENCED IDENTITY THEFT SITUATION USING MY PREVIOUS ( 2 ) ADDRESSES. HOWEVER, ONLY EQUIFAX DID AS REQUESTED. 
ATTACHED IS A COPY OF MY MYSCOREXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-18 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: GA

Complaint narrative:
These companies are in clear violation of my consumer rights, XXXX and federal laws and continue to deprive me of my right to freedom for reporting inaccurate information. I did not give any written or verbal consent for these companies to have access to my personal data they are selling publicly and privately. I demand for the CFPB to do it's job and hold these companies accountable. This is clear violation of the privacy act of 1974, deceptive practices and also constitutes as 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 2024-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Account closed in XXXX ( sync/paypal ) due to natural disaster. Fema documented. 

Report shows active until XXXX 4 years past legal recording. Shows XX/XX/XXXX day lates YEARS after account closing. 

Highly inaccurate reporting of closed account. Original lender will not provide documentation. 

Negative marks on two credit bureaus.

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 2024-02-18 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: GA

Complaint narrative:
Ive submitted claim for identity theft with Experian and XXXX many times the creditors arent removing account with supporting documents. 

XXXX is the only company who has done there job properly

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