vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX Account 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 explanation
Consumer complaint received 2024-03-26 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: MI

Complaint narrative:
According to FCRA 605B, we're required to expunge any erroneous accounts from my credit report. Could you please examine the documents? Some of the listed accounts are inaccurately reported.

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 2024-03-26 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: GA

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 a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: CT

Complaint narrative:
I am writing to express my concerns regarding the information on my credit report, which I thoroughly investigated and found to be unverifiable, invalidated, inaccurate, and questionable. This situation has led to XXXX  XXXX, as your agency did not ensure the 100 % accuracy of the reported items, as required by 15 U.S. Code 1681e ( b ) ( b ) - Compliance procedures for maximum possible accuracy. 
XXXX. This late payment status is irrelevant XXXX XXXX XXXXXXXX Account Number : XXXX The late payment in the past was settled. I'm currently on time with my payments. Please update this account immediately According to the aforementioned code, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information related to the individual when preparing a consumer report. Unfortunately, the items on my report do not meet this standard. 
Referring to 15 U.S. Code 1681i ( 5 ) - Update of Inaccurate/Invalidated Credit Information , if, after any reinvestigation, the consumer reporting agency finds disputed information to be inaccurate, incomplete, or unverifiable, it is mandated to promptly update or modify that information based on the reinvestigation results. Additionally, the agency must promptly notify the furnisher of the information about any modifications made on the consumer 's file. 
If you are unable to provide verifiable proof within 15 days after your investigation, I request that you update the account and/or information on my credit report. 
Thank you for reading my concerns have a great day ahead to all Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: NCB Management Services Inc.
State: IN

Complaint narrative:
Beginning back in XXXX  my information was compromised in several attacks that occurred over a for year span between XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX which works on behalf of my XXXX coverage XXXX XXXX XXXX XXXX XXXX. As a result I am filling out this complaint as I am a XXXX veteran who was injured in the XXXX XXXX XXXX who had multiple issues with my personal data and secured information from banking, social security number, debit cards, emails, documents were exposed over several data breaches. I have notified said companies and credit bureaus with all documents to help assist me in this matter. Yet I have been targeted by debt collectors and companies who do not want to help yet they treat and talk to me with disrespect and treat me as if I am a criminal and furthermore they try to intimidate me into paying on accounts or even paying back money or items I never purchased or loans I never applied for. I have tried to be as helpful as possible this has caused several issues within my marriage my personal business life and a direct hit to my character reputation and my physical and mental health and which it has made things worse because it has been very difficult for me to get my restored. These attacks occurred during times were I was either dealing with a major XXXX or I was in the XXXXl and because of my health issues I was unable to notice this or I was not capable of contacting said companies. Due to my health issues and both mental & physical health I would not been able to physically or verbally consent to these accounts. I have been both verbally abused and accused of opening credit cards or applying for loans. I have contacted companies directly debt collectors and gotten police reports Identity theft reports locked my credit file and yet these companies keep insisting I am not providing enough evidence. I am on the verge of suing all companies and bureaus involved because all this did was push me further into XXXX and has made my XXXX  and XXXX become worse, I have even contemplated taking my life as this has ruined me and caused me to not even be able to get things for my family my wife and kids have suffered the most and that what hurts the most not being able to obtain the things I want and need for them. I wanted to move to a new state and purchase a new home but this is hindering my progress, my car notes and bank accounts have been closed and my cars are on the way of being repossessed because of the fraudulent activity has caused several returned check fees that total more than {$10000.00} between both vehicles.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I trying to get a no credit report an my bank isnt able to do so and when I try to call the brureaeau Im unable 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 explanation
Consumer complaint received 2024-03-26 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: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
On XX/XX/2023 I took my finance to purchase an engagement ring at XXXX XXXX. During the process not once did they say we were looking at lab grown diamonds. When we decided on a ring the salesman said the individual that does the certification had gone home early and he would send me the certificate. I had the ring in my possession so wasnt sure how they could certify a diamond I was in possession of. The next 3 weeks I kept calling XXXX XXXX asking for the certificate. The salesman said they sent it and it must have gotten lost in the mail twice. At this point I started getting a feeling I was a victim of a fraudulent diamond purchase. I called them again and insisted they send the certificate or I would dispute the charge for a refund. The sales man immediately text me a picture of the certificate. When I saw the certificate, I knew immediately it was from a dubious company. They sent me a certificate from XXXX but the legitimate diamond certification company is XXXX. They mix the letters around to make it look like XXXX. It was at this point that I saw the diamond was a lab diamond. I immediately asked for a refund and was denied. I took the diamond to a jeweler to get a true evaluation of the ring I had. He looked at the diamond under a microscope and wrote down the lab I.D number XXXX with an XXXX logo, which was not on the dubious certificate XXXX XXXX sent me. Apparently the lab has the diamonds certified before the sell them to be sold. The gemologist looked up the I.D . Number and found the lab certificate for this diamond on the XXXX website, which is a legitimate diamond certification company, one of the top three. He evaluated the XXXX certification and agreed it was accurate and the XXXX XXXX XXXX XXXX  sent was inaccurate. I will attach copies of this evidence. I tried to dispute through my credit card company but the denied it because I signed the sales receipt. I signed the receipt under the assumption I was getting what they said. I provided them with solid evidence. I am a victim of fraud and would like to return the ring for a refund.

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 2024-03-26 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: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
Initially disputed transactions that were unauthorized after reviewing statements with Huntington Bank the beginning of XX/XX/year>. The agent I spoke with advised me that a new card was sent ( received ) and a dispute would be opened to investigate the transactions that were not authorized. Fast forward to XX/XX/year>. I received a text message from Huntington requesting that I call. An agent requested my full social security number right away which seemed odd and I disconnected the call as I was not comfortable providing my full SSN. I called back the regular number for the bank and spoke with an agent, and let them know of my concerns. The agent stated that I need to speak with COLLECTIONS?? The agent transferred me to the team, who notified me that I had an outstanding balance as the disputes transactions that were credited were reversed. I explained to the agent that I received ZERO communication of the dispute outcome AT ALL ( no letter, email, call, etc. ). I also explained to the agent that I was unable to access the mobile app. The agent re-disputed the transactions in question on Friday. Fast forward again to Monday, XX/XX/year>. Received an email from Huntington requesting that I call ( We are trying to reach you about your account ending in XXXX. Please call us at ( XXXX ) XXXX as soon as possible. ) I called as requested and an agent stated they were reaching out about an over drafted account. I explained to the agent that the balance in question was in dispute and it was disputed again on Friday. Again, I also explained that I received no communication about the disputes and inquired how Huntington placed disputed charges into collections. The agent explained that there were no notes on my account. The agent stated they would be contacting me in either XXXX or XXXX weeks and if I didn't hear anything about the dispute that I could also reach out. I also explained to all agents that I had no access to their mobile app and was finally explained today ( XX/XX/XXXX ) that there was a known issue and I would need to do a password reset on their regular website to access the mobile app. How was Huntington able to place DISPUTED charges into collections, without notifying me of their investigation?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: PA

Complaint narrative:
I was living with my wife and I did not disconnect electric service because of our kids and then she never paid the amount and now I have the problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
As per the terms of the promotion, I was required to open a Citi Access Checking account, make direct deposits totaling {$1500.00} within 90 days, and would receive a {$300.00} bonus within 30 days of completing the required deposit. 

I successfully opened the account on XX/XX/24 and completed the required {$1500.00} deposit via XXXX and my work direct deposit on XX/XX/24. However, it has now been 32 days since I fulfilled the requirements, and I have not yet received the bonus in my account. 

Upon contacting customer service, I was informed that the promotion was not visible on my account and was directed to the dispute center. The dispute center confirmed the validity of the promotion and assured me that I had fulfilled all requirements. However, they mentioned that I would receive the bonus within 60 days, which contradicts the terms of the promotion that stipulated a 30-day timeframe. 

I inquired about this discrepancy and whether the terms and conditions had changed, but I did not receive a clear explanation. I was simply instructed to wait. It is worth noting that a friend of mine who opened the same account received their bonus within 10 days of fulfilling the deposit requirement, as did several others mentioned in online blogs.

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 2024-03-26 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be in accurate under 15 U.S. code 1681e ( b ) Accuracy of report whenever a consumer report agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerned the individual about whom the report relates, This account was charged off XXXX XXXX since then, the account has been updated as charged off every month. This is an update in the payment history. A charge off account should NOT include active payment history. This inaccurate information falsely manipulates the statute of limitations. They have failed to investigate this account properly and the neglect has violated my rights. I am demanding a deletion of the account. 
15 U.S. code 1681i ( 5 ) treatment up in accurate or unverifiable information in general, if after any reinvestigation under paragraph one of any information disputed by a consumer and item of the information is found to be in accurate or incomplete, or can not be verified the consumer reporting agency, XXXX promptly delete the item of information from the file of the consumer or modify that item of information as appropriate based on the results of the reinvestigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my report immediately. 

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 2024-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I am writing to dispute the validity of the collection account associated with Transworld Systems on my credit report. I recently obtained a copy of my credit report and noticed the presence of this account, which I believe has inaccuracies. Upon reviewing the details of the account, I have identified discrepancies in the information provided. First, I verified in XXXX 2023with XXXX XXXX that I did not owe money and that all current and past accounts were in good standing. Then, I requested information about this collections account from Transworld Systems which I never received. Additionally, I have never received a bill for this money owed nor have I been notified of this debt from either XXXX XXXX or Transworld Systems. 

I request that you investigate and verify the accuracy of the following points : 1. **Validation of Debt : ** Please provide detailed documentation verifying the legitimacy of the debt, including the original creditor 's name, the original account number, and the complete chain of ownership. 2. **Statute of Limitations : ** Verify and confirm whether the debt falls within the statute of limitations for collections in [ California ]. If the statute of limitations has expired, the debt should no longer be legally collectible. 3. **Reporting Dates : ** Ensure that the reporting dates on my credit report align accurately with the actual timeline of this debt. Any inaccuracies in reporting dates may be grounds for removal. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to dispute this information. I kindly request that you provide a written response within 30 days of receiving this letter. If you can not validate the debt or if any inaccuracies are found, I request the immediate removal of this collection account from my credit report. Additionally, please provide written confirmation of the resolution and any actions taken. Thank you for your prompt attention to this matter. I look forward to a timely and positive resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Proof of debt submitted because of CFPB compliant is fabricated. They made up a promissory note with made up information that I have never signed or seen. 

This company is clearly committing fraud. 

The alleged debt was from XXXX  and is well beyond the statutory collection period.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation