vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-02 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: MS

Complaint narrative:
I SENT TRANSUNION CERTIFIED LETTER ON THE XX/XX/XXXX ABOUT UNKNOWN INQUIRIES I DID NOT AUTHORIZE ALSO I CALL EACH COMPANY I WAS TOLD CALL TRANSUNION ABOUT THESE INQUIRIES, WHEN I CALL THEM ABOUT THIS PROBLEM, THEY DID NOT HELP ME AT ALL WITH REMOVING THESE INQUIRIES OFF MY CREDIT FILE. I WILL LISTED EACH ONE THAT NEED TO BE REMOVE IMMEDIATELY BECAUSE THEY ARE NOT ANY ACCOUNTS OF MINES. 
XXXX XXXX XX/XX/XXXX Date of the Inquiry XXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX Date of the inquiry XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX Date of the inquiry XXXX XXXX XXXX XXXX FXXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Date of the inquiry XXXX XXXXXXXX XXXX XXXX, MI XXXX XXXX XXXX XX/XX/XXXX Date of the inquiry XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Date of the inquiry XXXX XXXX XXXX XXXX, FL 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 2022-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is showing a collection on my credit report in the amount of {$170.00} account # XXXX there is no original creditor listed or any collection agency listed that is attempting to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
Two Visa prepaid debit cards were purchased for my personal use. Both cards were purchased at referenced location at the referenced incident start time. XXXX purchase, the cards remained unopened at my residence until XX/XX/2021 at or around XXXX PM. At or around the referenced incident end time, both cards had unauthorized purchases made on them for the amount of {$490.00}. The description / information of the charge is " XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ''. This indicates that the location of the charges were at : XXXX 's XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX The location is a supermarket/grocery store that sells among other things money orders and gift cards. The unauthorized charges were approved at the checkout point by Visa/the issuing bank. Each card had {$490.00} debited from the initial card account balance of {$500.00}, leaving the card account balance at {$0.00}. At or around XXXX on XX/XX/2021, the unauthorized charges were noticed by me and reported to the issuing bank for dispute. As of police report submission date, no response on the dispute is available. The issuing bank indicated that the XXXX fraudulent charges were made in- person, indicating that the magnetic stripe data of the XXXX cards was presented to the " XXXX XXXX '' merchant. 

I have already contacted Incomm on XX/XX/2021 and reported the fraud to them, but they have not updated my cases since they received my reports. 

Per the Electronic Fund Transfer Act, Section 205.11 ( c ), Incomm has a deadline of 20 days to provide at least a partial resolution, which has not been done. So they have missed the deadline. Ive emailed them repeatedly and received no further response. Ive tried calling them and they tell me there is no further updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 
Accounts Reason This collection is not my account. 

XXXX XXXX XXXX  This collection is not my account. 

XXXX XXXXXXXX XXXX XXXXXXXX I never made a late payment on this account, please correct. 

XXXX XXXX XXXX XXXX I never made a late payment on this account, please correct. 

XXXX XXXX XXXX XXXX XXXX I never made a late payment on this account, please correct. 

XXXX XXXX XXXX XXXX  I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. 
Thank you for your time and attention to this matter. I look forward to hearing from you soon.

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 2022-02-02 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:
On XX/XX/XXXX - XX/XX/XXXX TransUnion placed my credit score at XXXX On XX/XX/XXXX TransUnion placed my credit score at XXXX I inquired with TransUnion about the lowering of my credit score ; and no response as of XX/XX/XXXX. 

On XX/XX/XXXX TansUnion placed my credit score at 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 2022-02-02 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: BMW Financial Services NA, LLC
State: IN

Complaint narrative:
Several unexpected loan inquiries on my credit report on XX/XX/2021 when I arrived at the dealership with my own financing from my credit union XXXX XXXX. These unauthorized inquiries included : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 
XXXX XXXX BMW Financial Also XX/XX/XXXX, XXXX was another unauthorized inquiry as I already had approval from BMW Financial on this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: CA

Complaint narrative:
I sent several letters disputing a couple of accounts that I have one was with XXXX XXXX in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX and the other with XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX. 
With XXXX XXXX I called them and due to me losing my job I was not able to make the payment on time and asked for a deferment which they agreed to and said they would not report me late. The other was with XXXX XXXX and due to covid was also not able to make the payment and I called them and requested a deferment and they also had agreed and they have both reported me late. 
I know about the CARES Act and want to see if you can help me with getting this resolved. 


Section 4021 of the CARES Act amends the Fair Credit Report Act ( FCRA ) to address coronavirus-related accommodations made by furnishers. New FCRA 623 ( a ) ( 1 ) ( F ) requires a furnisher making a COVID-19 related accommodation on a consumer 's loan account to report the account as current unless the account was delinquent prior to the accommodation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: MS

Complaint narrative:
I CONTACT EQUIFAX ON 10-20-21 ABOUT THESE INQUIRIES I DID NOT AUTHORIZE ALSO I CALL EACH COMPANY I WAS TOLD CALL EQUIFAX TO HAVE THEM REMOVED OFF MY CREDIT FILE BECAUSE I WASNT IN THEIR SYSTEM OR A CREDIT APPLICATION ON FILE, WHEN I CALL THEM ABOUT THIS PROBLEM, THEY DID NOT HELP ME AT ALL WITH REMOVING THESE INQUIRIES OFF MY CREDIT FILE BUT TODAY I WAS TOLD TO CALL THE FTC TOO HAVE THEM REMOVE WITH A FTC THEFT REPORT. I WILL LISTED EACH ONE THAT NEEDS TO BE REMOVE IMMEDIATELY BECAUSE THEY ARE NOT ANY ACCOUNTS OF MINES. WITH THESE UNKNOWN INQUIRY THATS NOT
 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX, OH XXXX 
XXXX XXXXXXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: GA

Complaint narrative:
When accessing XXXX portal I discovered that the information ( personal and credit accounts ) were completely inaccurate. It appears that my consumer report has merged or been mistaken for someone with a similar name as me. The SSN listed on the report was NOT my SSN and the credit report revealed accounts that have never been associated with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: TN

Complaint narrative:
Some company named Afni Collections called me claiming that I owed {$260.00} to them from a charged off account at XXXX. I did have an amount owed at XXXX, but I had just spoken to them a week ago when I shut off my service and returned equipment. They told me that I could pay the balance at the beginning of XXXX when the final statement was available. 
Afni Collections tried to tell me on XX/XX/22, that XXXX already turned the debt over to them on XX/XX/22, which was XXXX days after I spoke to XXXX. I didn't believe them so I called XXXX to confirm that they still had the debt and it wouldn't be turned over for 3 months, that was their policy. I don't know how this company got my information, but they had my account number with XXXX, my address, phone number and the exact amount owed. They also threatened to hurt my credit score if I didn't pay it. 
I'm upset that this company is trying to collect debt that they don't own, but I'm also concerned if XXXX is telling the truth about not turning the debt over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Target Bank card was fraudulently established in my name. Target claim I took ownership when I called submitting my name social And other personal items of verification to my identity. I inquired about the fraudulent activity that has established I presented documentation immediately filed an FTC report as with bringing them the documentation of the police report. 

In turn theyve also sold the debt off to a XXXX XXXX XXXX XXXX. This collection company also has been harassing me through USPS Mail of the same fraudulent debt. 

I spoke to a XXXX ( Target Fraud Dept ) on XXXX XXXX stating he was going to make this an utmost priority to update and remove. 

I spoke to a XXXX  ( Target Fraud ) on XX/XX/XXXX who advised me that Target Would be able to remove an update with the CRAs upon receipt of me faxing over the FTC report. I complied in doing so nothing was updated nor removed. 

On XX/XX/XXXX I spoke to an ( Target Fraud Resolution Specialist XXXX ). XXXX stated that a form called 1099-C had been submitted to the credit bureau and this debt was being updated with that form for removal. I then requested to have this document since this is a crucial piece of evidence to obtain since it to had to be submitted to the IRS. He mentioned that he had to get this information and it would take a couple of days for him to get back to me I never heard back from him. 

I followed up and spoke to a ( Fraud Target-XXXX  Fraud Resolution Specialist ) On XX/XX/XXXX approximately XXXX to XXXX PM she started in with documentation of this fraudulent account and calls that were made inquiring and stated that all the calls were coming from my phone number I begged differ and I told her Im not quite sure as to what she was insinuating however this account was established on fraudulent pretenses. 

She left a voicemail at XXXX PM the same day stating that she needed me to follow up she would be sending documentations in for me to fill out paperwork for fraud. 

I returned her call where she also confirmed that she wanted to send documentation and have me fill out paperwork and return. 

Im traumatized enough I am not submitting my personal identification Social Security my whereabouts to this company I have submitted the proper documentation that target person told me to submit and now they are requesting me to upload more information and to my Social Security number. This here has prevented me from Housing its also defined my character as they have sought after me for this debt as well as sold this debt that was fraudulent to a collector who is now hounding me for the same debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02 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: CA

Complaint narrative:
Last year I discovered a false account with XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

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 2022-02-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Last year I discovered a false account with XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
On XX/XX/2022 I applied for a credit card and was denied by American express.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
AM HONDA FIN is reporting on my personal credit file. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher ( DF ) is not complying with federal law in regards to identity theft. Additionally, the data furnisher has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me ( AM HONDA FIN XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The Equifax and XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me ( XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Arcadia Holdings, LLC
State: CA

Complaint narrative:
XX/XX/2021 {$780.00} To whom it may concern, Subject : HIPPA Authorization RE : Arcadia recovery bureau , llc I didn't not sign any HIPPA release form or give authorized Access to Arcadia recovery bureau to access my medical records in any way, this is an HIPPA violation. please provide affidavit signed under penalty of perjury that your organization has not violated any portion of the FCRA, FDCP, HIPAA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts.

Accounts Reason This collection is not my account. 

XXXX XXXX XXXX  This collection is not my account. 

XXXXXXXX XXXX XXXX XXXXXXXX I never made a late payment on this account, please correct. 

XXXX XXXX XXXX XXXX  I never made a late payment on this account, please correct. 

XXXX XXXX XXXX XXXX XXXX I never made a late payment on this account, please correct. 

XXXX XXXX XXXX XXXX  I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file.

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

Thank you for your time and attention to this matter. I look forward to hearing from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts.

Accounts Reason This collection is not my account. 

XXXX XXXX XXXX This collection is not my account. 

XXXX XXXXXXXX XXXX XXXX I never made a late payment on this account, please correct. 

XXXX XXXX XXXX XXXX  I never made a late payment on this account, please correct. 

XXXX XXXX XXXX XXXX XXXX XXXX never made a late payment on this account, please correct. 

XXXX XXXX  XXXX BANK I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 
I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. 
Thank you for your time and attention to this matter. I look forward to hearing from you soon.

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