vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
A collection account from a company called XXXX and XXXX has been reporting to my credit report for almost 2 years now. I filed a dispute with Transunion and requested this information be deleted as it does not belong to me. The original creditor is listed as XXXX XXXX during a time period that I did not own a vehicle. 

I filed a dispute with Transunion on XX/XX/2023 for this to be deleted in addition to a credit card and loan from XXXX XXXX that have been re-aged and are remaining on my credit report longer than 7 years. In addition to the re-aging, these accounts that were charged off over 6 years ago, are reporting as 90 days past due currently every single month and this is affecting my score. All XXXX have come back as verified. The company XXXX and XXXX mailed a letter to my new address listing XXXX vehicles that my bureau of motor vehicle reports can confirm I've never owned or had registered to me. This is not verification that I owe a debt for insurance. I have had the same insurance company ( XXXX ) for the last 4 years with no lapses in coverage. 

I am purchasing a home and this fraudulent collection account is affecting my scores immensely. I have an ID theft affidavit and fraud alert already present on my credit profile and I need this account to be deleted unless the company in question can furnish a memo title or registration document confirming I owned the vehicle they claim they insured.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
on XX/XX/23 I sent a letter regarding inaccurate information. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year, I have sent disputes and have made a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 50 days to receive any response because clearly, they are ignoring me. Its been more than 30 days and have not received the investigation status or results gives a reason to immediately remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is in response to CFPB complaint XXXX with Transunion. I asked for you to remove an account from my credit report and you instead updated it. I'm at a loss right now because I provided facts directly from my credit report that detail why they do not belong on there. Although I may not be a lawyer, I do know that an account in violation must be removed and that I can actually go after you for these violations. I would like for you to again perform an independent investigation into the accuracy of these accounts and to remove them because of the dispute reasons that I have listed in the complaint referenced. In addition, I need to see where you're getting this information from because I don't believe that you ever reached out to these creditors! Remove these accounts immediately : XXXX XXXX XXXX ( Original Creditor : 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 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
After reviewing my consumer report, I have observed erroneous accounts and information that are unrelated to me. I did not provide authorization for any of this information to be included in my credit record, and it is significantly impacting my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Someone opened an account in my name fraudently with pentagon federal credit union

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
Card was stolen on XX/XX/23 and over the course of 12 hours 10 transactions occurred that were unauthorized from 2 stores totaling {$420.00} the next morning i filed a police report and reported my card stolen. The company ( chime banking ) did nothing except Deny my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
This company originally owed to XXXX but now owned by LVNV Funding LLC. is non stop calling my phone leaving harassing messages Showed up at my house this morning threatening my brother

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a few inquires on my reports that I didn't authorize. 
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 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a few inquires on my reports that I didn't authorize. 
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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
On XX/XX/XXXX I contacted Barclay card regarding a money order that I sent for payment. 

After several calls they stated I needed a copy of the cashed money order. 

This was provided to them. Originally they posted the credit and then they removed it. 

Later I received a letter that it was not enough objective evidence. Mind you it is a copy of the money order with the XXXX digit account number and has my mailing address. 

Not only that it also has the routing numbers of the cashed cashiers check and my name where they sent the copy to. 

So they closed the case and I had to call them to open a new case again. 

As of today the money order has been cashed by Barclay and no credit has posted. 

Worst of all you can not contact the investigation department correctly and the people that work for the. Have to do it through email.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ccs collections XXXX, these companies have used my credit report illegally pursuant to 18 USC 8, I owe no debt This company is violating my consumer right to privacy to USC 1681 B 2. Company has also mo permission to report ANYTHING using my information pursuant too 15 USC 1681 4

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: DC

Complaint narrative:
The company sent me a letter saying that I owed money for doctors appointments which I had paid long before the company sent the letter. I also never owed this company money, as they are unrelated to the hospital where I received my medical care. I do not know how they got the information regarding my appointments and their costs, and I believe that this company is scamming me to try to get me to pay them for debts I do not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report.Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesThe XXXX  standards state that in order to make a report, you must follow their guidelines. " Any deviation from these standards jeopardizes the integrity of data. '' This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AmeriCollect
State: FL

Complaint narrative:
I'm constantly receiving harassing calls day and night several times at all times of the day and night. They've also contacted my employer, family members, friends, neighbors, and landlord. I've asked them to stop. They continue to harass me and I want it to stop right away. If they need to contact me, all contact should be in writing only. All writing should be directed to me and only me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: PA

Complaint narrative:
I applied for a credit card I received in the mail 0 % interest on purchases for 15 billing cycles and 0 % interest on transfers for 18 billing cycles. When I got my card it wash for 12 billing cycles for both purchases and transfers. I called on XXXX talked to XXXX explained what happened and she said she would fix it I would get new papers in 7 to ten days. I never received anything so I called again XXXX talked to XXXX. He said I had to prove that is what I was offered and I had to fax them a copy of it. I did. Waited then called on XXXX talked to XXXX explained everything he put me on with his supervisor XXXX he said they were looking into it .it was under review. Called XXXX talked to XXXX  and she explained that it not what I sighed up for. Now I have proof his is what I signed up for I have the papers. One time they are going to fix their mistake, then I have to prove that I had the papers. Once I prove it then they said thats not what I signed up for. I think this is a XXXX XXXX XXXX  all I want is 0 % for 15 billing cycles 0 % for 18 billing cycles. Thats what I sighed up for

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I contacted Wells Fargo XXXX XXXX and asked them to please update how they are reporting to my credit. I had filed bankruptcy ( XXXX  XXXX ) in XX/XX/XXXX. I did not reaffirm my mortgage with Wells Fargo as NC a courts do not allow that. I continued to make all payments as I had been, and all on time. I understand they do not have to report, thats fine. Instead wells is reporting my account status as derogatory instead. My mortgage has been paid off, paid in full, never late. I asked they remove the information or updated it correctly. Nothing has been done. I also disputed it multiple times with the credit bureaus with the same thing happening. This derogatory credit reporting has lead me to get denied for auto insurance as they think I owe money. I have my pay off letter and just would like this removed. 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
Consumer complaint received 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XXXX XX/XX/2023 XXXX XXXXXXXX Attn : Customer Relations XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Unauthorized Hard Inquiry on My Credit Report Dear Sir/Madam of XXXX  XXXX, I hope this letter finds you well. I am writing to address a concerning matter regarding an unauthorized hard inquiry on my credit report, which I believe to be fraudulent and in violation of the Fair Credit Reporting Act ( FCRA ). I kindly request that XXXX XXXX promptly investigate and remove this inquiry from my credit report. 

Upon reviewing my credit report, I discovered an unauthorized hard inquiry dated XX/XX/2023. I would like to emphasize that I did not authorize this inquiry nor did I have any prior knowledge of it. This unauthorized inquiry not only impacts my credit score but also raises concerns about potential fraudulent activity. 

Under the FCRA, consumers have the right to dispute any inaccurate or unauthorized information on their credit reports. According to Section 1681b of the FCRA, entities seeking access to an individual 's credit report must obtain the consumer 's written consent before pulling their credit records. As I did not provide authorization for this inquiry, I believe it is in violation of this provision. 

I kindly request that XXXX XXXX promptly investigate this matter and take appropriate action to remove the unauthorized hard inquiry from my credit report. I also request that you provide me with a written confirmation once the inquiry has been removed. 

Enclosed with this letter, please find a screenshot of my credit report highlighting the unauthorized hard inquiry for your reference. I trust that you will handle this matter promptly and in accordance with the law. If necessary, I am prepared to take further action to protect my rights under the FCRA. 

I look forward to your prompt attention to this matter. Please contact me at your earliest convenience to discuss the steps being taken to resolve this issue. Thank you for your cooperation. 

Yours sincerely, 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 2023-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
Bridgecrest car financing company said they submitted a back out refund check to me in regards to backing out of financing me for a XXXX XXXX XXXX with XXXX in XXXX Illinois on XX/XX/XXXX. I spoke with a representative from their team that confirmed the check was issued and would take 7-10 business days to be mailed to my home. I have checked my mailbox everyday, called XXXX to see if the check may have been sent there and asked for several updates regarding my check and still have not received anything. I called Bridgecrest on XX/XX/XXXX to inquire about my refund and the agent reached out to their accounts payable department who told him that they did not see any details of a refund on their end. He then spoke with their escalation team who confirmed that I was supposed to receive a refund from Bridgecrest and I was told he has to submit some sort of ticket to gain more information about if my check was ever sent out and to get more details. My car was taken on XX/XX/XXXX and it has been almost 30 days and I still have not received my money. The attachment that has been submitted serves as proof of the blackout that was submitted on XX/XX/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 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, 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: VA

Complaint narrative:
I noticed information was incorrect on my report i need help! I reached out to the credit bureaus on XX/XX/2023 and no response! I have a right to a full investigation and a correct report! My understanding is that 15 U.S.C 1681 section 602 A. States I have the right to privacy. I will list the account below! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX  please investigate and delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX please investigate and delete

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