vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-20 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX : Account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. state 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 an account without my written instructions. 

I told XXXX, Transunion, and XXXX to reinvestigate this account : XXXX XXXX XXXX : Account XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date and date of last activity and much more is incorrect. According to 15 U.S.C 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX : Account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. state 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 an account without my written instructions. 

I told XXXX, XXXX, and Equifax to reinvestigate this account : XXXX XXXX XXXX : Account XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date and date of last activity and much more is incorrect. According to 15 U.S.C 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my 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 2024-02-20 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: SC

Complaint narrative:
According to 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me, and I feel unwell about the situation. I want it gone, and my credit report corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: NV

Complaint narrative:
After reviewing my credit report I must inform you that I am NOT responsible for these fraudulent accounts. Someone stole my identity and opened up the fraudulent accounts in my name. 

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you violate this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
My mother took out credit cards without my knowledge. We found out after she passed away XX/XX/2022. I have tried working with midland credit management and XXXX to get this resolved and neither is listening or believing that the accounts arent mine. I dont know what to do anymore. Its been a year and a half and Im still living with my moms debt when I should not be.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my 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 non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: OR

Complaint narrative:
I was a victim to an employment fraud scheme where the scammers impersonated a legitimate company and conducted a phone interview using the names of real employees. Subsequently, they offered me a job and requested that I purchase necessary equipment, assuring me that they would reimburse the funds. I transferred a total of {$4800.00} to them via XXXX through US Bank. My realization that this was a scam occurred when I contacted the legitimate company, XXXX XXXX, to verify my employment status. 

Upon discovering the fraud, I immediately contacted US Bank within 24 hours of initiating the transactions. Despite my persistent calls to inquire about the status, I was repeatedly told to be patient. After a two-week wait, I was informed that my dispute claims had been denied.

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 2024-02-20 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: DISCOVER BANK
State: MA

Complaint narrative:
I signed up with a XXXX XXXX XXXX on XX/XX/XXXX. The payments were paid through Discover Card once a month from XX/XX/XXXX- XX/XX/XXXX, {$45.00} XXXX payments with a total of {$310.00}, to warranty to repair/ and replace my tenants ' whole appliances and all built-in heating and hot water systems. XXXX failed to repair anything when the heating system broke down after I filed a claim and XXXX refused to repair/ replace the heating boiler and blocked my technician from reporting an analysis. Then I did some more research about this company and found many complaints about this company. Then I called Discover Card to stop paying them on XX/XX/XXXX. 
I filed 7 payment disputes with Discover Card about the service that the installment that I paid was not delivered. I sent all the documents including the warranty agreement and the front and the back {$5300.00} check which I paid my OWN plumber ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX for the replacement of the heating system. 
I filed 7 installment payment disputes on XXXX XXXX, XXXX, to Discover Card by phone. I was informed that XXXX of the installment charges from the disputes were in my favor and the charges were reversed, but XXXX of them will not be reversed due to the Merchant failing to respond within the time limit. I called Discover to ask the reason and did not get a clear answer as to why 3 of the 7 disputes were rejected in the same circumstance. After sending another 8 more pages to support my claim Discover had not received a response from Merchant. Discover repeatedly denied quickly on my claims the next day. I have sent in 14 pages of the supporting documents and then 8 pages of the document after the telephone conversation. It seemed that the Discover Card decision was not based on how Merchant responded but on what they pleased.

Please check how this XXXX XXXX compliant XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Hello I am writing you about my fraud transaction on my family account of Bank Of America. 
I came here 7 month ago and open family bank account at the Bank Of America. Firstly everything was .However 3 fraud transaction happened in XX/XX/XXXX. 
date : XX/XX/XXXX amount : {$1000.00} date : XX/XX/XXXX amount : {$110.00} date : XX/XX/XXXX amount : {$250.00} When it happened first time we immediately called and reported about this issue .They opened claim .In XX/XX/XXXXXXXX  it fraud transaction happened again and we called them again and reported 2 fraud transaction. We changed our credit cards, phone numbers for avoiding this type of issues and Bank opened second claim for new 2 transactions. However they did not solve these problem. XX/XX/XXXXXXXX  Bank Of America sent letter to us about first claim and they demand {$1000.00} payback .Then we tried open claim again and went to police and sent them police report .We did not spend this money. 
XX/XX/XXXXXXXX  Bank Of America sent letter us about second claim .They closed the claim and demand also this money back. 
Bank Of America did not solve our problem and did not show information us about their research, how they decided that, about transactions but they demand money back we are new here, we dont have money .This issue affect our life .Our credit card limit is {$1000.00}, we couldnt spend money for a while .Also this issue affected our credit score. 
We did our best effort, We called Bank Of America more than 20 but their customer service always wasted our time on the line did not help us. 
I would appreciate a prompt resolution to this issue. 
Thank you for your attention to this matter. 
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 2024-02-20 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: MI

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9000.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$21000.00} XXXX. XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX {$340.00} XXXX. XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  Collection {$840.00} XXXX. XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) Collection Balance {$330.00} XXXX. XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Collection Balance {$570.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4400.00} INQUIRIES : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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: IL

Complaint narrative:
I am writing to follow up on my previous correspondence via the Consumer Financial Protection Bureau ( CFPB ) regarding my request for a reinvestigation and the subsequent removal of disputed negative items from my credit report. Regrettably, I have yet to receive any resolution or acknowledgment from your department, leaving this matter unresolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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: IL

Complaint narrative:
I am writing to follow up on my previous correspondence via the Consumer Financial Protection Bureau ( CFPB ) regarding my request for a reinvestigation and the subsequent removal of disputed negative items from my credit report. Regrettably, I have yet to receive any resolution or acknowledgment from your department, leaving this matter unresolved.

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 2024-02-20 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: NJ

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-02-20 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:
I have an attached file showing the items your company said was reporting accurate. By your standards these accounts should not be reporting on my consumer report. Your company need to remove all inaccurate and inconsistent items from my report asap. Failure to due so will result in noncompliance and your company will be responsible for willfully not complying with what standards you have set in place.

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 2024-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I paid my collection with XXXX XXXX XXXX in full. Equifax has yet to remove the collection from credit report. I disputed the collection with Equifax. XXXX has removed the collection from my XXXX report. XXXX  hasnt removed the collection either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CarMax, Inc.
State: SC

Complaint narrative:
I am still struggling financially. My car payment is due on the XXXX and not quite 90 days past due and I was told that the car was out for repossession already and I am not quite 90 days past due. I had to have a XXXX XXXX XXXX XXXX XXXX to see if they have XXXX in the last year, I found out I just had a XXXX XXXXXXXX within the past XXXX weeks. I had to pay of {$800.00} in medical bills. I get my income tax check within the next week. I just need 7 days to make a payment. I promise that I will make two pays within the next 30 days to try to get caught up, I also just got a second job that I start this Friday with XXXX XXXX XXXX. I will get my account caught up. These repossession threats and notices are very stressful. The last two times I was told that my car was out for repossession and I called in to make the payment, I was told that it was never put in for repossession. I am happy about that but the threat of telling me that and it never being done causes XXXX XXXX XXXX XXXX for me. With my recent XXXX, stress is not good for me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a letter on XX/XX/XXXX asking all 3 data collectors XXXX, XXXX, and Transunion advising that there were many accounts showing errors and inaccurate information on my reports. I provided specifics and in return, I was sent an updated copy of my credit reports just saying verified, but no validation was sent showing how they verified. No contract for me to verify if it's my signature or not. This is not the correct way to do this validation on account of the FDRCA. I was to be sent a copy of the original contract showing my signature. I have also sent another letter to all 3 bureaus today XX/XX/XXXX addressing the same things.

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 2024-02-20 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: TX

Complaint narrative:
I sent a letter on XX/XX/XXXX asking all 3 data collectors XXXX, Equifax, and XXXX advising that there were many accounts showing errors and inaccurate information on my reports. I provided specifics and in return, I was sent an updated copy of my credit reports just saying verified, but no validation was sent showing how they verified. No contract for me to verify if it's my signature or not. This is not the correct way to do this validation on account of the FDRCA. I was to be sent a copy of the original contract showing my signature. I have also sent another letter to all 3 bureaus today XX/XX/XXXX addressing the same things.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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: VI

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer 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 non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX requesting validation of the alleged debt on my credit report by producing the original contract with a wet ink signature. Additionally I sent letters to XXXX, XXXX, and Transunion requesting validation of the alleged debt. In response, XXXX XXXX XXXX sent a letter dated XX/XX/XXXX, wherein they confirmed an outstanding balance, however they have failed to validate the debt by producing proof of the original contract with wet ink signature. The credit reporting agencies mentioned notified me the debt was " verified '' but failed to outline investigation procedures as requested or produce proof of the original contract. I have disputed the account with XXXX, XXXX, and Transunion demanding the unverified items be removed from my credit report immediately. They have yet to do so and claim XXXX XXXX has continued to verify the debt. Additionally, I am still receiving mailed statements from XXXX XXXX XXXX  despite the fact that I have yet to be sent proof of the original contract for this alleged debt. These companies is in direct violation of 15 U.S.C. 1692 ( c ), U.S.C 1692 f ( 1 ), AND U.S.C. 1692 ( g ).

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