vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please review the attached documents. I want the bureau to start an investigation into these accounts, as I am consistently on time with payments, and they are reporting inaccurately.

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 2023-12-20 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

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 ante
dates 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 2023-12-20 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

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 2023-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC
State: NC

Complaint narrative:
FIT XXXX issued by Continental Finance Company ( hereafter 'CFC ' for this complaint ) has charged off my credit card. I am aware that a charged off line of credit becomes a certificate of indebtness which means it is income and must be removed. The law says it is illegal to report transaction history, finable at {$1000.00} per violation. FIT XXXX has XXXX since XX/XX/XXXX which not only permits the {$1000.00} per violation but also pain and suffering damages. Furthermore, under the Fair Credit Reporting Act information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the XXXX. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The XXXX and Accurate Credit Transactions Act added many provisions to this XXXX primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau XXXX XXXX the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains XXXX its enforcement authority. I also have the right to Opt Out under XXXX CFR XXXX deriving authority from XXXX XXXX XXXX. Also, under XXXX XXXX XXXX ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. The account with FIT XXXX XXXX XXXX open-ended credit line and the credit application became a security the moment my signature was obtained. FIT XXXX XXXX XXXX in violation of the XXXX XXXX XXXX of XXXX for the sale of my security on the secondary market.

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 2023-12-20 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: IL

Complaint narrative:
Please refer to the attached documents. I request the bureau to initiate an investigation into these accounts, which I am never late for, but they are erroneously reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: GA

Complaint narrative:
.its impossible that all XXXX of them ( XXXX  XXXX XXXX, transunion XXXX can verify that this is an accurate if there information is missing within all XXXX of them and are not matching. 

under the FCRA i am entitled to a 100 % and accurate reporting and that is not the case here as information is missing and does not match in a case where one says account closed and the others says open, the date of when it open dont match and the date of last activity says other wise as well and does not show when the last dilequency i missing in the other XXXX and shows in one and not the rest which shows a major reporting error within XXXX  XXXX XXXX, and transunion XXXX or could be the reporting error with the debt collectors reporting as well the amount is in accurate for the debt collector is not suppose to charge me with the hold over rent stated in the court document witch the debt collector does not want to adhere too

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 2023-12-20 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: FL

Complaint narrative:
I was recently denied a business line of credit due to too many inquiries. After carefully reviewing my credit report for all bureaus I noticed MANY concerning inquiries on my report that I NEVER authorized and has to be someone using my information without my consent. Please help me get this matter handled at your earliest convenience. Thank you very much in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc.
State: TX

Complaint narrative:
there are XXXX fraudulent accounts reporting on my consumer report and i am demanding these accounts be deleted. i submitted my police report and ftc report months ago and i am still dealing with these accounts reporting on my consumer report. i did not authorize and opening of these accounts. account number - XXXX ( date open XXXX XXXX ) account number - XXXX ( date open XX/XX/2023 ) account number - XXXX ( date opened XXXX XXXX ) delete these accounts immediately you guys are seriously ridiculous allowing these accounts to be opened without verification, this false reporting on my consumer report is now causing devastating damages to my mode of living and reputation. I am currently suffering damages from the inaccurate reporting of these accounts that i did not authorize and demand that you fix it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.

Complaint narrative:
My complaint is about the handling of funds in an estate account for which I am the beneficial owner. My initial contact was on XX/XX/, and to date, Chase has been unable or unwilling to distribute these funds to an active account in my name. 

On XX/XX/, I provided the information Chase requested : my ID, proof of my change of name through marriage, and a notarized form indicating how I wanted to receive the funds in the estate account. On XX/XX/XXXX, XXXX XXXX, the banker I had been corresponding with, informed me that they could not do a bank transfer and asked me to provide a new notarized form, which I provided on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX informed me that she thought I should have gotten a check already, and that she would get back to me. All of my correspondence with XXXX XXXX is attached. 

I never got another response from her or from the manager at her branch. I contacted Chase customer support on XX/XX/XXXX and was informed on XX/XX/XXXX that the XXXX XXXX team had my request and would reach out to me. I contacted them on XX/XX/XXXX and XX/XX/XXXX for an update and never got a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: WI

Complaint narrative:
XX/XX/XXXX received phone call, confirmed contact info and relieved a letter stating they were a collection firm on behalf of us bank for a credit card opened in XXXX. This is a fraudulent charge, in no way is the account mine. I do not use us bank. They called me multiple times with threatening voice-mail, appealed for me to settle outside of court, said to expect to be served, and also called my mother with a threatening voice-mail. They sent an email of a " demand notice '' for me to sign to confirm. I did not do that or take further action with fjs. 

I spoke to us bank, they have no history of me having an account with them. The company that called me claims they are XXXX global - website : https : //fjsglobalcollect.com/ Phone number : 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 2023-12-20 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: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX, XXXX sent an email notifying me of a hard inquiry on my credit report from Citizens Bank. I called Citizens Bank immediately to notify them that I did not authorize the inquiry. They told me they had no record of the inquiry. I then logged into my XXXX account to dispute the inquiry. On XX/XX/XXXX, I was notified that they ruled that the inquiry was valid. I called them today ( XX/XX/XXXX ) and they told me I needed file a clain with the FTC and submit documentation to them for the inquiry to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: OH

Complaint narrative:
Dispute of Fraudulent Loan Accounts Pursuant to 15 USC 1681i Credit Bureaus I am writing to formally dispute a fraudulent loan and credit cards accounts that has appeared on my credit report, as reported by your agency. This dispute is being made under the provisions of 15 USC 1681i, which governs the correction of inaccurate or fraudulent information on consumer credit reports. 
I have recently become aware of an account listed on my credit report that I believe is the result of 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 non-monetary relief
Consumer complaint received 2023-12-20 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: OH

Complaint narrative:
Dispute of Fraudulent Loan Accounts Pursuant to 15 USC 1681i Credit Bureaus I am writing to formally dispute a fraudulent loan and credit cards accounts that has appeared on my credit report, as reported by your agency. This dispute is being made under the provisions of 15 USC 1681i, which governs the correction of inaccurate or fraudulent information on consumer credit reports. 
I have recently become aware of an account listed on my credit report that I believe is the result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: OH

Complaint narrative:
Dispute of Fraudulent Loan Accounts Pursuant to 15 USC 1681i Credit Bureaus I am writing to formally dispute a fraudulent loan and credit cards accounts that has appeared on my credit report, as reported by your agency. This dispute is being made under the provisions of 15 USC 1681i, which governs the correction of inaccurate or fraudulent information on consumer credit reports. 
I have recently become aware of an account listed on my credit report that I believe is the result of 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 2023-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I request an immediate investigation into these fraudulent accounts and ask for their removal from my credit report. I have taken appropriate steps by reporting this identity theft to the authorities and the affected creditors. Therefore, I kindly request your prompt assistance in rectifying this situation.

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 2023-12-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: KS

Complaint narrative:
Response to this, I never received invoices for these. I was in the XXXX and all my medical bills would have been paid by XXXX. I need to know where the invoices are to see if they were billed to XXXX accurately. I also have called XXXX and they stated they never received any bill from those locations mentioned. I NEED a paper copy not just a statement of this. What address is on file and where are you sending these because I have not received any. Also you can not bundle three total cost in one bill. They should all be seperate bills and if each bill is under {$500.00} dollars it is illegal per biden to place this on my CREDIT SCORE. If insurance was not used then it is also inaccurate information because I AM XXXX XXXX XXXX  and all my medical bills would be paid FOR by the XXXX!!!! 


Company 's Response Wakefield & Associates, LLC. ( Wakefield ) appreciates the opportunity to investigate and respond to XXXX XXXX complaint. The creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, placed three accounts with Wakefield on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Initial notices were sent to XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX. Wakefield has no record of returned mail. XXXX provided emergency physician services to XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX, and XX/XX/XXXX at XXXX XXXX XXXX XXXX in XXXX, XXXX. Wakefield acknowledges that it received an indirect dispute from the consumer reporting agencies ( CRAs ) through XXXX on XX/XX/XXXX. XXXX XXXX account was dispositioned as disputed. Wakefields investigation uncovered no evidence that it furnished inaccurate information to the CRAs. Wakefield will send verification of debt directly to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: MS

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-12-20 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: GA

Complaint narrative:
I am writing to dispute the following information that appears on my Equifax Credit report. According to the Fair Credit Reporting Act, I have the right to dispute incomplete or inaccurate information if I identify information in my file that is incomplete or inaccurate, and report it to your consumer reporting agency. Your agency must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 

XXXX XXXX XXXX with account XXXX XXXX opened on XX/XX/XXXX and a balance of {$910.00}. I previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

XXXX XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$4500.00}. I previously disputed this account stating : ''This account is incorrectly reporting that I have 15 late payments. On my XXXX report there are 11 late payments being reported. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
I am writing to dispute the following information that your company supplied to XXXX, XXXX, and XXXX. 

GM Financial has been reporting my loan/account with their company for the leasing of my XXXX XXXX XXXX as a repossession since XXXX XXXX. My account has not been in repossession status since XXXX XXXX. On the day in question, I woke up at XXXX XXXX  and discovered my car was gone, within 4 hours my car balance was paid in full and I was able to obtain my car from the tow yard. At the moment the car payment was made, and the car was taken out of repossession status it should have been accurately reported to the credit bureau within 30 days. 

They are continuing to report inaccurately. This is a violation of my consumer credit rights. I called GM Financial in XXXX to report to them that the inaccuracies were still being reported and the customer service team provided me with incorrect information and false validation to me that the situation would be handled. After being denied credit cards, loan applications, and mortgage applications I finally did some deep diving into my credit report and to my surprise discovered this fallacy that has been going on for almost 7 months. 

I have enclosed the monthly billing statements from GM financial from XX/XX/XXXXXXXX  to present XX/XX/XXXXXXXX  for proof of my claim.

Company response to consumer: Closed with explanation