vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XXXX of XXXX, Equifax announced a data breach that exposed the personal information of XXXX XXXX people.The breach occurred after Equifax security officials failed to install a software upgrade that had been recommended to seal off digital intruders from obtaining access to the names, birthdates and Social Security numbers .Third-party data brokers use several sources for your data, such as : Social media activity. 
Cookies. 
Tracking your IP address. 
Purchasing history and warranty information.

Credit card information. 
Public records*XX/XX/XXXX. 
XXXX. 
XXXX. 
XXXX. 
XXXX. 
XXXX are among the problem. 
People search sites have my information and that's a problem for me. Any thing That has my demographic should be remove. XXXX XXXX XXXX XX/XX/XXXX age XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was reviewing my consumer report and noticed some inquiries that does not belong to me.

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 2024-05-13 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: PA

Complaint narrative:
Hello, on XX/XX/XXXX I sent a letter to TransUnion consumer Solutions to dispute these unauthorized Inquiries. 

Inquiry 1. XXXX XXXX XXXX XXXXXX/XX/XXXX unauthorized Inquiry 2. XXXX Credit Card XX/XX/XXXX unauthorized Inquiry 3. XXXX XXXX XX/XX/XXXX unauthorized TransUnion never responded back to me, the letter was sent out XX/XX/XXXX. I didn't receive anything from them in the mail nor did they delete these unauthorized inquiries.

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 2024-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX. 2021 XXXX XXXX pass due {$56.00} IC SYSTEM INC -Collector I do have cats but we always payment after treatment. Otherwise hospital doesn't let us discharge our pets. 
I believe that we didn't visit since 2020.

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 2024-05-13 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to urgently request the re-investigation and removal of fraudulent accounts listed on my credit report, which I have previously disputed without satisfactory resolution. Despite submitting an FTC Identity Theft Report and multiple pieces of documentation supporting my claim, these accounts continue to appear on my report, impacting my credit negatively.

I initially reported these unrecognized accounts and have engaged with your agency several times, seeking verification or removal of these entries. The persistence of these unverified entries is concerning, given their significant negative impact on my financial reputation.

I formally request a thorough investigation into these accounts. If these accounts can not be verified as belonging to me, I insist on their immediate removal from my credit report. I also request written confirmation of the actions your agency takes in response to this letter.

Please treat this matter with the urgency it requires. According to the Fair Credit Reporting Act, I expect a response within 15 to 30 days. If the issue is not resolved satisfactorily, I am prepared to take further legal action. 

Thank you for your prompt attention to this matter. I look forward to your swift action and a resolution that corrects my credit report accordingly.

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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a 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 2024-05-13 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: PA

Complaint narrative:
I was a victim of identity theft i filed the necessary disputes and had the fraudulent accounts removed in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the FCRA section 611 credit reporting agencies are required to send a reinsertion letter not later than 5 business days after the date of reinsertion. This letter should contain proof the furnisher certified the information as accurate and documentation of the business name and address of any furnisher of information contacted and the telephone number of such furnisher or any furnisher of information that contacted you in connection with such information. I did not receive this letter.. please delete the reinsertion of the XXXX XXXX XXXX account from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

I looked at my TRANSUNION credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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 ( i ) promptly delete that 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 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 2024-05-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: WA

Complaint narrative:
I was continued to be billed after closing my XXXX account # XXXX. After numerous messages to XXXX this error was cleared up and there was agreement I had a paid up account. Now some 6 months or so later I have received a notice to collect from Radius Global Solutions for the amount of {$81.00}. I will not pay this amount. In fact, after all the XXXX  your company had put me through I will give you two choices. Remove the collection immediately, or give me contact information for your legal department so I can proceed with legal action. 
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 2024-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding has continued to report inaccurate information on my credit report violated my civil rights under FCRA Section 611 ( c ). Both debits XXXX. {$810.00} XXXX. {$1300.00} show CHARGED OFF + PAST DUE + OPEN ACCOUNT. LVNV Funding has be reporting this inaccurate information for 3 years. I have trying on this platform, and via written letters to have these inaccuracy 's remove. LVNV Funding is conducting illegal activity here as well as violating my civil rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
RE : Recurring bill pay to the landlord of {$2900.00} to be made on the XXXX ( approximately ) day of each month for rent due on the XXXX of each month. A physical check was sent by the bank ( Wells Fargo ) each month from XXXX XXXX through XX/XX/XXXX, received and deposited by the landlord without incident. A check was also cut on XX/XX/XXXX. The landlord reported not receiving the rent on either XX/XX/XXXX or XXXX, XXXX. The bank was contacted and claims were filed. A photocopy of the check was requested and received on XX/XX/XXXX, a week after the bank was contacted. The check was cleared on XX/XX/XXXX but no banking information was on the back of the check and NO ENDORSING SIGNATURE WAS ON THE BACK EITHER. Wells Fargo claims the check was cleared but has not provided any evidence of deposit in anyones bank account and refused to acknowledge this as fraud. Previous checks ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) show endorsement on the back and banking information where the check was deposited. I spent 3 1/2 hours in a Wells Fargo branch in person ( today XX/XX/XXXX, the date of this complaint ) with a banker and the bank manager who made phone calls and we were transferred multiple times to multiple departments ( bill pay, claims, escalation division ) with no resolution. They have said they will investigate but I have no documentation of that either. The bank manager and banker got the same run around that I did and all three of us experienced that together. Bottom line : Wells Fargo has not proven where the money went but has deducted funds from the account. They have not treated this as fraud though there is evidence that the landlord did not deposit the check. This is check fraud, unresolved and with no assurance of resolution. I am attaching bank communication saying the payee was paid- he was not. I am also attaching a photo of the back of the check. A check was cut that he did not receive.Help!

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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
TRUIST BANK is inaccurately reporting payment history and fails to provide closed account data. I have requested them to provide me with the payment history and closed date and they do not provide me with the details. They are reporting CO on mulitliple months and that is unfair credit reporting. I have asked XXXX to update or remove. They do not and they do not provide me with correct information either.

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 2024-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit Systems has reported false information on my credit. They have reported that I owe to debits {$450.00} & {$990.00} for an apartment community called XXXX XXXX XXXX XXXX XXXX I have never lived a property called XXXX nor have I ever signed a contract of any sort called XXXXXXXX XXXX 

I have filed compliant here in 2023 and the case was closed. National Credit Systems have never contacted my nor provided me with an document or invoice as it relates to this reported debit. My rights under being violated under FCRA Section 611 ( c ) Section 611 ( c ) of the FCRA provides : " Whenever a statement of dispute is filed, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
Client works for XXXX and has a very high deductible plan. 
She suffered an accident at work on XX/XX/year> and her employer took her to an XXXX XXXX, which left her with a {$2400.00} bill after the deductible was met. 
Client does not believe she should be paying this, since this was a work accident, and she had very little to no knowledge to where they were taking her. 
Client is farily knew to the country and barely speaks XXXX, think they are trying to take advantge of her. 

The XXXX branch she used to work for is closed, and her current HR claims they can not do anything since this all happened at a different locations and the system does not have any of this information saved. 
Client came in for financial counseling and she is barely making ends meet, and can not afford to negotiate with the collections agency. 
Client is also XXXX and has no prospects of working at a second job

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
Portfolio Recovery has attempted to call me several times. 
They called on : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX 

I do not owe debts with them, they never leave a voicemail, and I can not find proof of the debts existing at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to urgently request the re-investigation and removal of fraudulent accounts listed on my credit report, which I have previously disputed without satisfactory resolution. Despite submitting an FTC Identity Theft Report and multiple pieces of documentation supporting my claim, these accounts continue to appear on my report, impacting my credit negatively.

I initially reported these unrecognized accounts and have engaged with your agency several times, seeking verification or removal of these entries. The persistence of these unverified entries is concerning, given their significant negative impact on my financial reputation.

I formally request a thorough investigation into these accounts. If these accounts can not be verified as belonging to me, I insist on their immediate removal from my credit report. I also request written confirmation of the actions your agency takes in response to this letter.

Please treat this matter with the urgency it requires. According to the Fair Credit Reporting Act, I expect a response within 15 to 30 days. If the issue is not resolved satisfactorily, I am prepared to take further legal action.

Thank you for your prompt attention to this matter. I look forward to your swift action and a resolution that corrects my credit report accordingly.

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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent multiple letters to EQUIFAX, XXXX and XXXX. Regarding the inaccuracies on my credit report. The last letter that was sent was XX/XX/year> with the tracking number Equifax tracking number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I never received any response from any of these bureaus. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reporting late on XXXX and that is 100 % incorrect this account is always paid on time and was never lateXXXX XXXX XXXX XXXX XXXX is reporting negative on all bureaus, that is also incorrect this account was never late I am always paying on time. XXXX XXXX XXXX reporting as negative on all 3 bureaus, this account is PAID in full and I was never late on this. Under penalty of perjury, I swear this account is false and misleading. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation ; it was reported without valid evidence. Theres a part of the law that requires them to at least update the status of the account and label it as being in dispute. They failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Its clear to me no proper investigation actually took place which is negligence on their part my livelihood is at stake and this inaccuracy is causing me great stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent multiple letters to XXXX, XXXX and EXPERIAN. Regarding the inaccuracies on my credit report. The last letter that was sent was XX/XX/2024 with the tracking number XXXX tracking number XXXX, XXXX tracking number XXXX, EXPERIAN tracking number XXXX. I never received any response from any of these bureaus. XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting late on EXPERIAN and that is 100 % incorrect this account is always paid on time and was never late. XXXX XXXX XXXX XXXX  is reporting negative on all bureaus, that is also incorrect this account was never late I am always paying on time. XXXX XXXX XXXX reporting as negative on all 3 bureaus, this account is PAID in full and I was never late on this. Under penalty of perjury, I swear this account is false and misleading. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation ; it was reported without valid evidence. Theres a part of the law that requires them to at least update the status of the account and label it as being in dispute. They failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Its clear to me no proper investigation actually took place which is negligence on their part my livelihood is at stake and this inaccuracy is causing me great stress.

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