vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-14 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED It is XXXX to acknowledge that I did not authorize these accounts, and their presence is causing me significant XXXX. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention to and resolution of this issue are highly appreciated.

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 2024-05-14 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED It is XXXX to acknowledge that I did not authorize these accounts, and their presence is causing me significant XXXX I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention to and resolution of this issue are highly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

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 2024-05-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc.
State: TX

Complaint narrative:
I tried contacting the collection agency and its a wrong number. I tried contacting the credit bureau regarding this information not being correct and they have not removed it from my credit report, they have no proof from the creditor and are aware that the phone number is not a working number and refuse to remove the information from my report. 
They are telling me to contact your company to send a complaint so I am doing this. 
The collections on my account are from National Credit Audit CO {$180.00} and XXXX XXXX XXXX {$1700.00} ( no such company ) Neither one of these collections belong to me and unless there is proof this needs to be removed. So far the credit bureaus have not done this. 
The non-working number the credit bureau gave me to call the creditor is ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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 non-monetary relief
Consumer complaint received 2024-05-14 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 received a copy of my credit report and found the following inaccurate items which are reporting in error : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX XXXX. 

Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them. Please remove any information that the creditor can not verify. According to 15 U.S.C. Sec. 1681i ( a ), you by law, must complete this reinvestigation within 30 days of receipt of this letter.

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 2024-05-14 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: NY

Complaint narrative:
Despite my efforts, these issues remain unresolved. Enclosed is the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items as " frivolous '' or " irrelevant. '' This matter is important to me. If you ignore my original certified mail request, I will escalate to the Federal Trade Commission. Please provide evidence of the alleged item, such as a contract or document with my signature. If not, remove these items from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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: MoneyLion Inc.
State: NC

Complaint narrative:
So I opened a money line Account did not. I think I maybe received {$100.00} anyways but it then therefore paid that back and here maybe a year later now I check my credit report and it states that I have a {$500.00} charge off but then it was only charged off or claim charge off. It was late 30 days and then it was went straight to charge off and since then Ive tried to get up with the company multiple times to repay them, whatever you know to get it off my credit report not that I owe them anything but just to get it off my credit report for pay for cant get up with anybody cant get up with any supervisors or they say my account is closed yet I still owe money somehow and its next to impossible to get anything done. Its {$100.00} that I supposedly owe and cant get anything done. Ive tried and tried and tried and tried.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of XXXX XXXX XXXX, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-05-14 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust XXXX XXXX leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-05-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: HI

Complaint narrative:
On XX/XX/year> I ordered a new XXXX XXXX from XXXX. It said it would be delivered on or about XXXX then a delayed arrival of XX/XX/year>. It NEVER arrived. 

I called in various times to cancel the order since I was going off XXXX and would just buy a new printer at XXXX instead. After several conversations online in Chat and by Email and Phone, eventually a couple of different service representatives reached out to me trying to resolve the issue. I reiterated that I had NEVER received the item therefore it was ridiculous. The tracking number issued for the delivery was actually the same number used for another delivery as well. There were discrepancies with the entire delivery order. They wanted me to wait until they initially received the returned item in their hands before attempting to resolve the issue. I complained and said NO - IM NOT WAITING for that scenario to happen. Fix my account immediately. 

This was in XXXX, fast forward 2 months later ( XX/XX/year> ) - I'm still being assessed late charges on my credit report now stating I'm 30 days late in making payments towards my Commenity Bank Dell Pay accout .... 

After speaking to a Case Specialist ( Name : XXXX XXXX ) for order number XXXX he said in an email describing an Approval for Refund status on XX/XX/year> and he'll follow up in 2-3 business days. Still no response. NO resolution, NO Credit issued, NOTHING!!! 

I'm at a loss as I'm evaluating my options on filing a Lawsuit requesting damages and court fees for this problem. They are ruining my credit further by not resolving this issue. 

My phone number is XXXX. 

Thank you XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-14 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust XXXX XXXX, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-05-14 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: PA

Complaint narrative:
On XX/XX/XXXX, I had a collection account removed by XXXX XXXX XXXX. On XX/XX/XXXX, I went back to check my credit report and the collection account had reappeared. According to 15 USC 1681i ( B ) ( iii ) ( 2 ), I should have been provided " the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ''. I never received any of this upon request Also, on XX/XX/XXXX, I had a collection account removed from XXXX XXXX XXXX. On XX/XX/XXXX, it reappeared without any notice or statements from Transunion regarding the reinsertion. This has caused significant damage to myself and my families financial stability.

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 2024-05-14 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:
I am a victim of fraud and mistaken identity. there are things on my file that are not mine and according to the FCRA 605B ( 15USC 1681c-2 ), the law has been broken and my rights violated. Experian has 4 business to remove all items from my file according to the law!

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 2024-05-14 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: Yamaha Motor Finance Corporation USA
State: FL

Complaint narrative:
A hard inquiry that I didn't authorize which effected my score. This was at Yamaha motor finance Co XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
On XX/XX/XXXX. XXXXI received my credit reports and observed Credit Acceptance has a voluntary surrender on the account, this is false information. I filed a previous complaint against Credit Acceptance with the Consumer Financial Protection Bureau under report # XXXX. Credit Acceptance requested an extension for investigative purposes and the account was removed from my credit reports and then reappeared today, XX/XX/year>. I have the vehicle and it was not voluntarily surrendered.

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 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I ordered a laptop computer from XXXX XXXX and set up financing for 6 months, interest free if paid off by the end of the 6 months. XXXX  supposedly delivered the package to the mail center at the apartment complex where I live. The mail center is a stand-alone building which is unsecure, with no doors and is open to all who want to walk inside. XXXX  left the package in the open, which you can see in the attached proof of delivery photo. I received a message, from XXXX, that my package had been delivered that included the proof of delivery photo. I read the message, when I finished work, and went to get my eagerly anticipated new laptop. By the time I walked over to the mail center, the mystery box was not there. It was stolen. 

I contacted XXXX and they told me to get a police report, which I did. When I talk to XXXX about the situation, they point me to Comenity Capital, the lender, and when I talk to Comenity Capital, they say to talk to XXXX. I am stuck in the middle with little recourse other than contacting XXXX. I used to have an excellent credit credit score because I have always paid for things I receive. I do not pay for things I DO NOT RECEIVE!!! 

The package was not delivered to ME at my apartment number XXXX, which should have been clearly noted on the mailing label. It was left out in the open, exposed and accessible to anyone. Nobody is at the mail center building to check that all packages left in the open, like XXXX  does, are taken only by the person addressed on mailing label. I was working when the package was delivered and, as I stated above, went to the mail center after work and after reading the message from XXXX. If XXXX  had delivered the package to my apartments, I wouldnt be writing this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a credit card with this company that had a due date of XX/XX/2024. On that date I made a payment to that card well before the time of XXXX XX/XX/2024. Despite me making that payment on the due date the payment processed on XX/XX/XXXX which incurred a past due fee. Noting this error I contacted customer service to try and fix this immediately. I was advised by the rep to call back tomorrow ( XX/XX/XXXX ) when the actual fee occurs to get it removed. 

I called the next day as advised and the rep and the supervisor told me they were unable to remove the fee. When asked why they just said the system won't allow it and it had no reason to deny me the reversal. I asked if I can have any information ( an email, phone number ) with a higher rep to discuss this because this late fee was unwarranted and the supervisor refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
My spouse submitted a balance transfer request through her creditor XXXX XXXX  ( XXXX XXXX XXXX XXXX  ) on XX/XX/year>. She received notification on XX/XX/year> that the balance transfer payment was received and the check cashed on XX/XX/year>. That payment was never applied to my credit card balance. What we have gathered is that the payment was submitted through XXXX XXXX who still had old financial institution information for my creditor. I used to have an account through Barclay 's, but they sold my account to XXXX XXXX. Therefore, the payment from XXXX was sent to Barclay 's instead of to XXXX. I reached out to Barclay 's in XXXX, but since they no longer have my account- as it was sold to XXXX- they had no way of looking me up to determine if they received a payment for my account. They also had no idea who to transfer me to and suggested I reach out to XXXX. I did reach out to XXXX and on XX/XX/year>, they notified me that they have no record of the payment that XXXX XXXX sent in XXXX. I submitted a copy of the cashed check to XXXX for them to look into further. On XX/XX/year>, they notified me that they have received the documentation and were researching my claim. On XX/XX/year>, I received a final letter from XXXX stating that they " found that this payment was cashed by the previous lender of your XXXX Extra Points Visa account. We ask that you please contact the previous lender for any questions regarding this payment. '' We have already tried to contact the other lender ( Barclay 's ), but they have told us that there is nothing they can do because there's no way to look me up in their system. I have verifiable proof that Barclay 's received my money, as they cashed the check, but they don't know where the money is or how to get me to a department that does know. Now that this money has been lost, my wife is paying for the balance transfer on her card while I am still paying for the " balance '' on my original card. By submitting this balance transfer, we doubled our debt, and Barclay 's effectively stole {$8900.00} from us.

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 2024-05-14 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: IL

Complaint narrative:
I contacted trans union regarding dispute of a late payment on closed account, A representative told me to file a complaint to fix the issue since account closed and they cant get information regarding dispute and so every time I get the same result. I request to delete the account sine they failed to investigate it.

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 2024-05-14 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: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.

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