vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-12 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: FL

Complaint narrative:
The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from using any false, deceptive, or misleading representations or means in connection with the collection of any debt, as outlined in 15 U.S.C. 1692e. The statute provides specific examples of such prohibited practices, along with examples of unfair practices under 15 U.S.C. 1692f. Additionally, the FDCPA stipulates that debt collectors may not harass or annoy consumers, threaten them with arrest, or threaten legal action unless litigation is actually being considered, pursuant to 15 U.S.C. 1692d.

Under the Fair Credit Reporting Act ( FCRA ), every consumer reporting agency is required to clearly and accurately disclose information to the consumer upon request, subject to the provisions of section 1681h ( a ) ( 1 ).

Please review the attached letters for further details related to this dispute.

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 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
CFPB closed my original complaint but Equifax did NOT solve the problem. I still cant login to my account. 

XXXX XXXX XXXX XXXX  CFPB complaint : Im locked out of the myequifaxXXXX  online account. All attempts to login and/or reset password end up with same error msg " we are temporarily unable to complete this request ''. I've talked with four agents. All follow the same steps and end by saying it will be escalated and I will be contacted within a week. I have not received and follow up or fix. I see other people complain about same issue online. It's possible that it started because equifax had my old address. But that was updated by the first agent that worked with me. It did not help. I first called equifax on XXXXXX/XX/year>. I have called five times including today, XXXX 

XXXX XXXX XXXX  Company 's Response according to notification from CFPB : Dear XXXX XXXX, In reviewing your MyEquifax account, it was discovered that your registration was incomplete. Please attempt to register again at MyEquifaxXXXX. You will be able to access your MyEquifax account after registration is completed. If you experience any issues, please contact our consumer care department at XXXX between XXXXXXXX XXXX XXXX XXXX, 7 days per week. We sincerely apologize for any inconvenience this issue may have caused. Thank you for contacting Equifax, Equifax Consumer Care Team XXXX XXXX  Ive already informed Equifax that when I try to register again at MyEquifaxXXXX that I get the error You have an existing account. The companys suggestion was useless. 

Here are the final two communications between Equifax and me. 

XXXX XXXX XXXXXX/XX/year> Equifax : Dear XXXX XXXX, I've sent you the account recovery link from the system. Please ensure that you are not using a private window, no vpn, and that your cache and cookies, along with browsing history is deleted. Should you still receive an issue a ticket has been put in to further investigate the issue. 
Respectfully, Equifax Executive Consumer Services ref XXXX XXXX XXXX XXXX ref XXXX XXXX XXXX  My Reply : I'm not using a private window or vpn. I cleared my cache and cookies, along with browsing history. I get the same error on my desktop PC as well as on my phone. I had your staff try it and THEY got the same error. 
Any suggestions? 

XXXX XXXX There was no further reply from Equifax. So far they've only supplied the same boilerplate strategies that I get when I call them at XXXX for months. I don't think they've made any attempt to get a higher level of tech assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Services Group, Inc. d/b/a ConServe
State: MO

Complaint narrative:
The Fair Credit Reporting Act clearly states that all the information on a person 's credit report should be accurate. If the information on the credit report is not accurate then this is a violations of my rights under the Fair Credit Reporting Act for which I can claim damages in a court of law. 
On my credit report it is saying that I owe Conserve {$2200.00}. I do not owe Conserve any money as I have no signed contract with them. I am therefore asking conserve to provide me with the signed contract that I had /have with them showing that I owe them this money. 

There is no such contract and so converse should delete this information from my credit report immediately. A failure to do so will result in taking legal action to recover damages. 

Conserve needs to show proof or the reason why I owe them this debt when I had no signed contract with this company at any time. I don't owe Conserve or any other company any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: AZ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Finance Company, LLC
State: NJ

Complaint narrative:
XXXX XXXX, XXXX aka XXXX XXXX XXXX is located in South Carolina and is a collection company that is attempting to collect for Continental Finance on 2 debts in the amounts of {$2700.00} and {$2100.00}. I have previously notified the FTC that the accounts were compromised as a result of identity theft, yet rather than remove the accounts disputed through the proper channels, they have repeatedly reported false information to the 3 credit bureaus, XXXX XXXX, XXXX and XXXX. this has happened since XXXX of 2024. I have disputed the debt with them on 3 separate occasions and also with the 3 credit bureaus but they refuse to follow the laws governing the FDCPA.

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 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im really frustrated with how my credit score has been hurt by inaccurate and unverified information on my report. Its not right that this incorrect info is dragging down my score and making it hard for me to get things like loans and credit that I should qualify for. Its been affecting my financial situation in a big way, and its unfair that these mistakes havent been fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : FCRA Violation Failure to Update Account Information Dear TransUnion, I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) concerning the failure to accurately update my account information on my credit report. 

My details are as follows : I have identified the following issues with my credit report : 1. XXXX XXXX account Information is inaccurate. That account was fully paid off on XXXX with a {$0.00} balance and your company has failed to update it. I already spoke with Submit about this account that they have already submitted to your company. Your company states that you update information everyday. 


Under the FCRA, you are obligated to ensure that the information you report is accurate and kept up to date. The failure to update this information is a direct violation of my rights as a consumer. 

I request that you take immediate action to : 1. Investigate the inaccuracies in my credit report.

2. Update my account information to reflect the correct status.

3. Provide me with written confirmation of any changes made. 

I appreciate your prompt attention to this matter and look forward to your response within 10 days if not corrected I will pursue legal action. 

Thank you for your cooperation. 

Sincerely,

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 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
1. BANK OF AMERIXXXX XXXX XXXX 2. BANK OF AMERIXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX I've disputed these accounts. 

On XX/XX/XXXX, I noticed unauthorized accounts on my credit report. I immediately contacted the companys customer service and credit bureaus to dispute the charge and was assured that it would be investigated. However, despite multiple follow-up calls and emails over the past six months, the accounts has not been removed, and I have not received any updates on the status of my disputes. Additionally, the company has continued to report this inaccurate information. This has negatively impacted my credit score and caused significant financial stress. I am seeking the removal of the unauthorized accounts showing on y credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-12 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I moved to the state of XXXX XXXX XXXX around XX/XX/XXXX. I online, open accounts in chase XXXX XXXXXXXX XXXX With a XXXX  identification card numbers 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 
Routing numbers XXXX. XXXX XXXX. XXXX I lost all my checking account numbers, before moved to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have retained XXXX XXXX XXXX to help me with all of my credit card debts. 
I have identity theft since XXXX and a work injury XX/XX/XXXX and the Department of Labor helped me with my injury. Also, XXXX shut us down in Nevada when I lived there. 
Then, I moved temporally to XXXX XXXX  to get help with my existence. I also, dissolved my XXXX XXXX business and XXXX XXXX XXXX XXXX. 

Furthermore, right now I am paying XXXX XXXX XXXX to pay off my credit cards. I am working on a XXXX XXXX at XXXX of XXXX XXXX Studies and done XX/XX/XXXX. 

Thank you for addressing this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX or XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: TX

Complaint narrative:
Upon reviewing my credit report, I noticed inaccurate information that should be removed. The bureau refused to complete a thorough investigation into the matters instead. These inaccuracies are causing great stress and negatively affecting my financial standing. 

I am deeply upset about the erroneous things I see on my credit report. These accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately, it must be removed. I hope you find out whats going on and who the inaccurate information belongs to. Can you please clear this up quickly? It is my understanding that you will do an investigation immediately, a new credit report that reflects the updated changes should be sent. You must complete this investigation within 30 days of receipt of this letter. According to the law, unverifiable, inaccurate accounts must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 
Thanks for your help in this matter. 
XXXXXXXX XXXX XXXX XXXXXXXX - This is completely inaccurate. - This is inaccurately reporting on my report. 
XXXX - XXXX - This is also completely inaccurate. - This is inaccurately reporting on my report. 
US DEPT OF EDXXXXXXXX - XXXX - I believe this is reporting inaccurately - verify that this belongs to me. - This account is reporting incorrectly. 
XXXXXXXX XXXX XXXX XXXXXXXX - This is completely inaccurate. - This is inaccurately reporting on my report. 
XXXX XXXX XXXX XXXX - This is also completely inaccurate. - This is inaccurately reporting on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - This is also completely inaccurate. - This is inaccurately reporting on my report. 
XXXX, XXXX - XXXX - This is also completely inaccurate. - This is inaccurately reporting on my report. 
XXXX XXXX XXXX - XXXX - Verify this belongs to me. - This is paid as agreed and should not be reporting negatively on my report. 
XXXX XXXX XXXX XXXX XXXXXXXX - 15 U.S CODE 1692 ( e ) 10 - Please verify the open date on this collection. I do not recall this - please verify this and remove it if it is in fact inaccurate. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX - 15 U.S CODE 1681 ( o ) - Please verify the open date on this collection. I do not recall this - please verify this and remove it if it is in fact 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 explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I have made multiple contacts inside the Best Buy Store and by phone. I have made request regarding a refund that was to be issued towards my purchases. I had purchased a refrigerator from Best Buy XX/XX/XXXX for the amount of XXXX. XX/XX/XXXX the refrigerator had a issue that needed to be repaired. I had to be informed by the repair company that the warranty had authorized a replacement, it was not economial to repair. I made the request for the replacement, that cost XXXX, XXXX less than my origianl purchase. The replacement refrigerator was on back order for at least 2 months, I made the request for a XXXX replacement priced at XXXX, an additional XXXX less. A total of XXXX to be refunded to me. I went in the store to make the XXXX replacement purchase, where I was informed of the refunds. I have since received the replacement refrigerator, but not my refunds. I have been given multiple explanations in reference to the why the refund has not been received, eg. The storm in XXXX caused the delay, or the CSR will argued me that it has been issued. I am requesting this issued is reviewed and investigated. I would like to have this issue resolved. 
The bank account used XX/XX/XXXX ended in XXXX, we no longer have this debit card, but contact has been made with the bank, and I was informed if a refund is processed to the account the card was issued to it would be refunded. The XXXX purchase was made to my Best Buy Credit Card ending in XXXX, but no refund has been issued.

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