vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-29 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: U.S. BANCORP
State: NV

Complaint narrative:
I am requesting claims and defenses under Federal law ( 15 USC 1666i ). This section specifies the cardholder 's liability is limited to the outstanding balance minus the value of the fraudulent transactions when the issuer is notified. I do not consent to any past or future payments being applied for the fraudulent charge. Regulation Z, specifically 1026.12 of the TILA contains special credit card provisions that limit my liability for fraudulent use of a credit card. I hereby inform the card issuer and representative investigating the case, that I am withholding payment on the fraudulent charges.

However, to be a loyal consumer I will continue the minimum payments under duress and fear that withheld payments will negatively impact my credit report and reputation. According to California Financial Code Section 2102, 17000 and Federal law principles. I reserve the right to refund. Consumers should be protected from financial loss from fraudulent transactions. The Fair Credit Billing Act safeguards consumers from fraudulent transactions on their credit card 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 explanation
Consumer complaint received 2024-11-29 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: LA

Complaint narrative:
Name Discrepancy My current legal name is XXXX XXXX , updated on XX/XX/XXXX, following my divorce. Despite submitting documentation ( a copy of my driver 's license, Social Security card, and court order ) to TransUnion and the other credit bureaus, my report still reflects my former name, XXXX XXXX , three years later. Charged-Off Account with Regional Acceptance Reported Charge-Off Amount : {$6100.00} The account was discharged with a {$0.00} balance. I provided TransUnion
a copy of the discharge letter and noted that no 1099-C form was issued by the creditor, indicating a potential risk of inaccurate reporting. 
When I contacted XXXX XXXX directly, they confirmed the account 's discharge. However, the erroneous charge-off remains on my report and was " verified '' as accurate despite my evidence.

Charged-Off Account with Quick Credit Reported Charge-Off Amount : {$2600.00} I contacted Quick Credit on XX/XX/XXXX XXXX XX/XX/XXXX, and XX/XX/XXXX, requesting clarification and a 1099-C form, but I received no response. Without a 1099-C or confirmation of the balance, the reporting of this account is inaccurate. 

XXXX Account Reported Past Due Amount : {$3400.00} This balance was eliminated, and I provided verification of this to TransUnion. Despite submitting supporting documentation, the account is still inaccurately reported as past due and verified as accurate.

I first notified TransUnion of these issues by certified mail on XX/XX/XXXX, including the required identification documents. However, I received letters on XX/XX/XXXX and XX/XX/XXXX, stating that TransUnion did not have a credit file for me. This response is unacceptable, as my concerns regarding the inaccuracies remain 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 non-monetary relief
Consumer complaint received 2024-11-29 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: LA

Complaint narrative:
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

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 2024-11-29 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: LA

Complaint narrative:
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

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 2024-11-29 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: NC

Complaint narrative:
I reviewed my Consumer Credit Report and noticed that I had XXXX late payment on an account that I was never late for XXXX XXXX XXXX have assumed a vital role and have responsibility to report Consumer information for the best of their ability with Maximum Accuracy. I have never been late on payment for the account XXXXXXXX XXXX Partial Acct # XXXX. Please Investigate a provide proof with statements showing that these payment were late.If proof cant be provide I demand these payments be update to on time as they should be as I was never late. Thanks.

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 2024-11-29 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: NC

Complaint narrative:
I reviewed my Consumer Credit Report and noticed that I had XXXX late payment on an account that I was never late for XXXX XXXX XXXX have assumed a vital role and have responsibility to report Consumer information for the best of their ability with Maximum Accuracy. I have never been late on payment for the account XXXXXXXX XXXX, Partial Acct # XXXX. Please Investigate a provide proof with statements showing that these payment were late.If proof cant be provide I demand these payments be update to on time as they should be as I was never late. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANKMOBILE TECHNOLOGIES, INC
State: PA

Complaint narrative:
XXXX money, customers bank have very poor policies when it comes to getting the credit back for fraud charges, im owed {$520.00} for XXXX nonservice render charge, {$80.00} fraud charge and {$370.00} from family tax relief which they refuse to provide any type of credit even though these are consider fraudulent charges!!

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 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: PNC Bank N.A.
State: NV

Complaint narrative:
I am requesting claims and defenses under Federal law ( 15 USC 1666i ). This section specifies the cardholder 's liability is limited to the outstanding balance minus the value of the disputed transactions when the issuer is notified. I do not consent to any past or future payments being applied for the disputed charge. Regulation Z, specifically 1026.12 of the TILA contains special credit card provisions that limit my liability for disputed credit card use. I hereby inform the card issuer and representative investigating the case, that I am withholding payment on the disputed charges. However, to be a loyal consumer I will continue the minimum payments under duress and fear that withheld payments will negatively impact my credit report and reputation. According to California Financial Code Section 2102, 17000 and Federal law principles. I reserve the right to refund. Consumers should be protected from financial loss from fraudulent transactions. The Fair Credit Billing Act safeguards consumers from disputed transactions on their credit card accounts. I am requesting a full reversal of the disputed transactions with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: AZ

Complaint narrative:
This is my last and final letter to your non compliant company before I file suit against all parties involved. FYI, it is a crime to threaten suit with no intention of actually filing suit, so be advisedI have every intention of following through with this to protect my rights as a consumer. 
I have sent your company many letters requesting that you investigate a list of inquiries that I believe are reporting incorrectly. Not responding to my requests is a violation of the Fair Credit Reporting Act and will not be tolerated. In case you would like to settle this matter between you and I, rather than me filing suit against your company, I have tried to contact these companies on my own, but I have not been able to get very far. I tried to contact them using the phone numbers that are provided on my credit report. Half of the numbers are not even correct. The companies that I was able to get in touch with do not even have any record of me. How can they have a permissible business purpose to pull my credit, if they have NO record of me? 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This is my last and final letter to your non compliant company before I file suit against all parties involved. FYI, it is a crime to threaten suit with no intention of actually filing suit, so be advisedI have every intention of following through with this to protect my rights as a consumer. 
I have sent your company many letters requesting that you investigate a list of inquiries that I believe are reporting incorrectly. Not responding to my requests is a violation of the Fair Credit Reporting Act and will not be tolerated. In case you would like to settle this matter between you and I, rather than me filing suit against your company, I have tried to contact these companies on my own, but I have not been able to get very far. I tried to contact them using the phone numbers that are provided on my credit report. Half of the numbers are not even correct. The companies that I was able to get in touch with do not even have any record of me. How can they have a permissible business purpose to pull my credit, if they have NO record of me? 
XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX, XXXX, XXXX XX/XX/year> XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed XXXXXXXX XXXX  has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX XXXX that does not even contain my reasons for the dispute is by no ones measure reasonable. 


XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: OR

Complaint narrative:
I have previously submitted numerous requests to your company to reassess the inquiries on my credit report, which I believe to be erroneous. Are you not obligated to conclude such investigations within 30 days of receiving them? I am aware of instances where companies have accessed individuals ' credit without a legitimate purpose, and I have yet to receive any verification of such reasons from your organization. I have made attempts to reach each of the companies listed, and the majority have no record of me whatsoever. How can they claim a legitimate business purpose to access my credit if they are unaware of my existence? 
I HAVE NOT AUTHORIZED THESE INQUIRIES BELOW, PLEASE DELETE THEM! 
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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: NC

Complaint narrative:
I reviewed my Consumer Credit Report and noticed that I had six late payment on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have responsibility to report Consumer information for the best of their ability with Maximum Accuracy. I have never been late on payment for the account XXXX XXXX XXXX, Partial Acct # XXXX. Please Investigate a provide proof with statements showing that these payment were late.If proof cant be provide I demand these payments be update to on time as they should be as I was never late. Thanks.

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 2024-11-29 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: NC

Complaint narrative:
I reviewed my Consumer Credit Report and noticed that I had six late payment on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have responsibility to report Consumer information for the best of their ability with Maximum Accuracy. I have never been late on payment for the account XXXX XXXX XXXX, Partial Acct # XXXX. Please Investigate a provide proof with statements showing that these payment were late.If proof cant be provide I demand these payments be update to on time as they should be as I was never late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my credit report. I want the fraudulent accounts to be removed from my credit report immediately because they hurt my ability to obtain credit.

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 2024-11-29 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: NY

Complaint narrative:
formally request the immediate removal of fraudulent accounts from my credit report. I am a victim of identity theft, and I have already taken the necessary steps as outlined by the Federal Trade Commission ( FTC ). I have disputed these accounts with the credit bureaus and notified the respective creditors, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Despite my efforts, I have not received any resolution, and I continue to receive calls from debt collectors regarding these accounts, which I did not authorize. I have filed complaints with the FTC and IdentityTheft.gov, and I have hired an attorney to assist me with this matter. 

I urge you to promptly investigate these accounts and remove them from my credit report. I appreciate your immediate attention to this serious issue.

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 2024-11-29 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: FL

Complaint narrative:
I reviewed my credit report and noticed that there was inaccurate late payments showing on my credit report that I was never late for. The consumer reporting agency has assumed a viral role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on the payments for the account that I have included, a screenshot inside this complaint on dates of [ month/year ] Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided l demand, these late payments be updated to paid as agreed on time as they should be due to the fact, I was never late. Thank you in advance!

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