vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

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 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I purchased items on XX/XX/XXXX, in the amount of {$400.00}. 
The merchant could not fufill the entire order and returned {$40.00}. 
I recieved the items approximately XX/XX/XXXX. 
Merchant policy is 1 month to ship items back. 
I contacted the merchant XX/XX/XXXX to discuss return process. 
Items were returned XX/XX/XXXX. 
Merchant then closed the ticket XX/XX/XXXX, and stated if further action is needed to contact my bank. The matter is closed with them. 

After some time, I noticed I had still not recieved my refund so I began the dispute with my Credit Card company. The exact date of first dispute is unknown, but the first fax confirmation I have regarding the dispute with my Credit Card company is XX/XX/XXXX. Meaning this dispute has continued for at least 5 months. I have provided shipping details, as well as conversation with the merchant that the ticket has been closed. The Credit Card company is now telling me it's been too long, even though I have been disputing this monthly since early 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 monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
our Chase credit card was used to make a purchase at a XXXX XXXX Store -- XXXX West Virginia XXXX We live in XXXX the Individual purchased a XXXX XXXX, Case and even made a donation to XXXX XXXX XXXX totalling more than {$2200.00}. The physical card was used for this purchase XX/XX/23. The store informs us that they no longer have surveillence footage of the purchase. XXXX XXXX does not require a signature for credit purchases. As a result, we have no physical evidence to support our claim. They have denied it now twice -- -and we are awaiting a third denial. A complaint was filed with our local police department. We have spoken to countless representative at Chase to explain that it is our belief, that a former co-worker of my wife 's -- -accessed her purse during work -- -took out the card -- -made the purchase -- and then returned the card. Unfortunately, again, we have no physical evidence to prove this. We have explained to Chase that we ; Do not travel to XXXX  Virginia to shop, have had the card for years -- -and use it infrequently. We do NOT make big purchases on the card -- -so a charge of more than {$2200.00} should be a RED FLAG on our account. We have been trying to pay off this card -- -and -- -like many -- -are facing some difficulties making our monthly bills -- -- so paying {$2200.00} for something we did NOT purchase hurts. We have even asked Chase to talk to us about reaching some type of settlement -- -but to no avail. I have spoken to an attorney -- -but they advised me that by doing so -- -we would likely end up paying more than {$2200.00}. We are stuck -- -and sick about this. We need YOUR help. 
Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: MA

Complaint narrative:
Company identifying itself as Hunter Warfield notified me that my previous landlord ( XXXX XXXX XXXX ) was pursuing collection of remaining rental fees after our move-out of our apartment at XXXX XXXX XXXX XXXX XX/XX/XXXX. My husband and I contacted XXXX XXXX and received confirmation that we were paid up in full of all final rental fees related to our tenancy there, and that they had NOT initiated any debt-collection proceedings against us. 

I have continued to receive calls weekly from a " XXXX XXXX calling from Hunter Warfield '' and requesting a callback. My phone is set to screen unfamiliar callers and with each phone call I blocked the number it was coming from. But the calls have continued from a new number each time. Most recently ( XX/XX/XXXX ) I received the call from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted Equifax on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/year> to remove all dispute remarks and comments from my credit and still hasn't been removed. Also, Equifax has dropped my credit by XXXX points as well. This causing me to unable to refinance my home. 

I've been given a confirmation # XXXX from them and the individual didn't remove the remarks. I received another confirmation # XXXX for removal and still hasn't been done. 

I've had no new late payments on account and they dropped my score. 

My other complaint is with XXXX. They haven't raised my score in months. No delinquencies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: MN

Complaint narrative:
I am bringing forward this complaint against the credit bureaus due to their consistent failure to respond to my dispute letters regarding inaccurate information on my credit report. Despite several attempts to address this issue through the proper channels, the credit bureaus have not fulfilled their obligation to acknowledge or investigate my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have not responded, confirmed an investigation, or corrected the disputed information. This lack of response is a clear violation of the FCRA, which mandates that credit bureaus must investigate disputes and respond within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 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:
XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX, XXXX, TransUnion Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

under 15 U.S. Code 1681e ( b ) Accuracy of report XXXX a consumer reporting agency prepares a consumer report. it shall follow reasonable procedures to assure the maximum possible accuracy ot the information concerning the individual about whom the report relates. 

15 U.S.Code 1681i ( XXXX ) Treatment of inaccurate r unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that the item of information, as appropriate, based on the results of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2024-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding LLC has continuously tried to collect on fraudulent debt even after being notified and receiving FTC fraud reports and documentation to prove the debt is fraudulent. Now they have sold ( knowingly ) this fraudulent debt after being provided all of the documentation required by law. The response from LVNV last complaint logged with the CFPB about this stated that i should file a report with the FTC for identity theft. They had already received this report at this 2 times at the time they wrote the letter. I have attached it for a 3rd time to ensure they receive it. their bogus reply is also attached. I have sent them ( 3 times ) a copy of the FTC identity theft report but as of XX/XX/year> they are still trying to Illegally collect this debt. LVNV continually harasses me about his debt, and refuses to accept the Identity Theft Reports from The FTC. I received yet another letter in the mail on XX/XX/year> after i specifically sent them a cease and desist letter. I am asking that the CFPB launch a thorough investigation into this company and their collection practices and blatant violations of the law. A hard copy of the Identity theft report has been sent to LVNV, and it was sent with delivery confirmation. LVNV received this but continues to try to collect the fraudulent debt and has even been so bold as to state that they will continue to do so regardless of the law and will not stop until i give them the money for the fraudulent debt. I will not pay, the debt is not mine, and furthermore if the CFPB fails to act i will take legal action. LVNV now has another one of its shady companies trying to collect this debt and sending me mail now. the company is XXXX XXXX XXXX XXXX which is a subsidiary or resurgent capital/ LVNV. I have all documentation to provide the CFPB to prove the fact that what i have stated is fact. 
FTC report # XXXX ( identity theft.org ) -LVNV is directly named in this report. A hard copy was once again sent on XX/XX/XXXX with signature confirmation. ( 3rd time )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: AZ

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

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 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: AZ

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

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 2024-08-21 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: NY

Complaint narrative:
I am lodging this complaint against the credit bureaus because they have repeatedly failed to respond to my dispute letters regarding incorrect information on my credit report. Despite my numerous attempts to resolve this issue through the proper channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even with multiple submissions, the credit bureaus have not provided any response, confirmation of an investigation, or correction of the disputed information. This non-response is a clear violation of the FCRA, which mandates that credit bureaus must investigate disputes and respond within 30 days. 

I request that you update, block, or delete the inaccurate accounts and unauthorized inquiries listed in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: FL

Complaint narrative:
I contacted the company because I do not have any account or contract of any kind. I requested any document or contract, even in writing, but I did not get a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Macy 's account paid off on XX/XX/year> in full {$10000.00} prior to due date XX/XX/year> and cut off of billing cycle start date of XX/XX/year>. On XX/XX/year> Macy 's sent electronic bill stating on XXXX  balance that interest of {$190.00} was due by XX/XX/year>. 

Contacted Macy 's on XX/XX/year> spoke with Manager XXXX at XXXX XXXX who stated that he would remove the amount and resend an update bill showing that XXXX was due on the account, also stated that the system would update showing that XXXX amount was due within XXXX hours. The amount is still reflecting. 

How can you charge a customer on an account that has been paid off with XXXX  balance {$190.00} interest? 

Emails sent to : XXXX XXXX and XXXX XXXX with no response regarding urgent matter. 

Thank you for your assistance in this urgent matter.

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 monetary relief
Consumer complaint received 2024-08-21 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: Avant Holding Company, Inc.
State: NY

Complaint narrative:
PLEASE REMOVE THE FOLLOWING HARD INQUIRES : XXXX, XXXX & XXXX UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE ENGELHARDT V GRAVENS ( MO ) 281 SW 715, 719.719 I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS I PRESUME THAT NO PROOFOF THE ALLEGED DEBT, NOR THEREFORE, ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUNAT TO 18 USC 8, L OWE NO DEBT, THIS COMPANY IS VOLAITING MY CONSUMER RIGHT TO PRIVACY PURSUNAT TO 15 USC 1681 -B2 COMPANY HAS NO PREMISSION TO REPORT MY INFORMATION PER 15 US 16814. 
PLEASE REMOVE THE FOLLOWING HARD INQUIRES :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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:
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. 
According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. 
Your immediate attention to this matter Is appreciated XXXX XXXX DOB- XX/XX/XXXX XXXX XXXX XXXX XXXX NY XXXX Email - XXXX SSN- XXXX Phone number - XXXX Inquiries that need to be removed are listed below XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX Capital XXXX - XX/XX/XXXX 2024

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 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I submitted credit freezes at XXXX and XXXX and had no problems. I have been trying to create an online Experian account, but they can't verify my identity. I called and had them freeze the account over the phone. Now, they are supposed to send me some kind of PIN # but I don't know where they are going to send the PIN # because I don't have an account with them. I tried to call back and speak to a Live Person and explain the problem, but there are no Live People to speak to at Experian. I tried to see if they had a Live Chat, but no, they do not offer this. I tried to create an online account but no luck. There is no way to get a hold of anyone at Experian. Do they people that work there or is it just smoke and mirrors? I also gave them a 1 star review on XXXX XXXX. It should not be this difficult to set up an online account. Again, I had no troubles with XXXX and XXXX. Only Experian. What's their problem? Does someone else need to take over and run this agency better? Thank you.

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