vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an issue with the accuracy of my credit report. Specifically, I am disputing the reporting of late payment by the credit reporting agency that is inaccurate and is negatively affecting my credit score.

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report accurate and complete information. Section 1681e ( b ) of the FCRA states that credit reporting agencies must follow reasonable procedures to ensure the accuracy of the information in a consumer 's credit report.

Despite the information being provided to the credit reporting agency with evidence that the late payment reported on my credit report is inaccurate, the agency has not taken any action to correct the error. My lender XXXX provided me with a letter stating that the information in question is inaccurate, and they sent a copy of this letter to the credit reporting agency as well. The letter clearly states that late payment is inaccurate and should not be on my report.

I would appreciate your assistance in resolving this matter promptly, as the inaccurate reporting is negatively impacting my credit score and my ability to obtain credit. Thank you for your time and attention to this matter. 

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 2023-04-30 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an issue with the accuracy of my credit report. Specifically, I am disputing the reporting of late payment by the credit reporting agency that is inaccurate and is negatively affecting my credit score.

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report accurate and complete information. Section 1681e ( b ) of the FCRA states that credit reporting agencies must follow reasonable procedures to ensure the accuracy of the information in a consumer 's credit report. 

Despite the information being provided to the credit reporting agency with evidence that the late payment reported on my credit report is inaccurate, the agency has not taken any action to correct the error. My lender XXXX provided me with a letter stating that the information in question is inaccurate, and they sent a copy of this letter to the credit reporting agency as well. The letter clearly states that late payment is inaccurate and should not be on my report.

I would appreciate your assistance in resolving this matter promptly, as the inaccurate reporting is negatively impacting my credit score and my ability to obtain credit. Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I never paid this account late and this account was paid in full. It is still showing as late on my credit card. I would like it removed from my credit reports as negative

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 2023-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I received a letter regarding Greensky program settlement Administrator stating I was not to receive any monetary for this class action lawsuit. I believe I was a victim a solar panel that I purchased in approximately 2016. Greensky foundations  never issued my {$5500.00} rebate that I was suppose to receive from the electric company due to a solar panel installation rebate amount. 


The reference number stating I will be able to participate in the settlement when I should have. I ask that this claim be look into. 


Greensky settlement  claimant ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
I called in XXXX to close my account due to not using it and getting and email someone was trying to log into my account. In XXXX I realized they never closed the account because I got a bill I called to have it straightened out and the guy said he removed the charge and the account was closed. I just got another bill for this account and I called to ask about it and Im being told its a late charge for not paying the last bill when I payed off my card in XXXX and it should have been closed in XXXX!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: CO

Complaint narrative:
I attempted to dispute multiple items on my credit reports, XXXX, XXXX, & TransUnion for items with balance of {$100.00}, {$650.00} $ {$120.00}. I have asked that such prior creditors provide proof of explained charges and all pertinent info relating to reported balance however i keep getting remarks back from credit bureaus as " verified as Accurate '' As per the federally protected consumer rights violations under 15 USC 1692i, I believe i have a reasonable case to submit further claims and letters, including to XXXX  and Attorney general 's office with my complaints.

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 2023-04-30 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: CO

Complaint narrative:
I attempted to dispute multiple items on my credit reports, XXXX, Equifax, & XXXX for items with balance of {$100.00}, {$650.00} $ {$120.00}. I have asked that such prior creditors provide proof of explained charges and all pertinent info relating to reported balance however i keep getting remarks back from credit bureaus as " verified as Accurate '' As per the federally protected consumer rights violations under 15 USC 1692i, I believe i have a reasonable case to submit further claims and letters, including to XXXX and Attorney general 's office with my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, I had service with equifax and was paying {$4.00} a month till XX/XX/XXXX, due to credit card reported missing my service was disconnected so I called yesterday to restore It I was told I need to update my credit card so I did but I was told there is an error and we can not charge the update credit card I gave the another card and same thing happened I gave different card the result was same upon checking with my credit cards XXXX was charged twice, provident once and XXXX once I told the agent I have been charged 4 times and she been telling none why dont you check with your supervisor or somebody knows about the issue because this is unethical and fraudulent you should stop and refund all charges until you fix the issues she said no I told I have all charges you better do but she never did

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: NC

Complaint narrative:
The Credit Bureaus stated that my XXXX account was properly investigated, but how is that possible if the Account number is inaccurate, the High Balance is inaccurate, the Last verified date is inaccurate, Date Reported is inaccurate, the Date Opened is inaccurate, the Closed Date is inaccurate, the Creditor Type is inaccurate, the Creditor Remarks are inaccurate, the Account Type is inaccurate, the Credit Limit is inaccurate, and the Date of Last activity is not accurate, each of these are a SEPARATE VIOLATION. They also unlawfully reported my payment history in these months and years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each of these dates is a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing for myself and my child! This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 602 A.

States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-04-30 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: NC

Complaint narrative:
The Credit Bureaus stated that my XXXX account was properly investigated, but how is that possible if the Account number is inaccurate, the High Balance is inaccurate, the Last verified date is inaccurate, Date Reported is inaccurate, the Date Opened is inaccurate, the Closed Date is inaccurate, the Creditor Type is inaccurate, the Creditor Remarks are inaccurate, the Account Type is inaccurate, the Credit Limit is inaccurate, and the Date of Last activity is not accurate, each of these are a SEPARATE VIOLATION. They also unlawfully reported my payment history in these months and years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each of these dates is a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing for myself and my child! This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 602 A.

States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: MS

Complaint narrative:
i got account an inquiries that are inaccurate and need to be removed from my report asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Comenity Bank from XXXX keeps sending me emails to make a payment on a closed account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
WF CRD SVC Partial Acc # XXXX, account # XXXX XXXX XXXX XXXX XXXX XXXX, IA. XXXX XXXX ( XXXX ) XXXX Charge-off doesn't supposed to be on a consumer report. The company owed me a 1099c, for debt to be discharged from my ordinary income tax. Wells Fargo has been using my taxes at the IRS. All of the Title 15 USC 6181 ( a ) ( m ) ( i ) through as being applied. 
XXXX XXXXXXXX XXXX ACT # XXXX XXXX, XXXX XXXX XXXX XXXX, NM. XXXX, The same thing with this company, the use of Charge-off companies is using the same thing on taxes 1099c where I can not be discharged because they are collecting tax. 
( 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 2023-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
To Whom it May Concern, On XX/XX/XXXX at approximately XXXX, I was approached by 2 young ( age XXXX ) males asking for donations for their basketball team. After quickly denying them my donation, claiming i did not have cash or XXXX, I began to walk away. They immediately followed me, becoming persistent in heir request for a donation, and also seeming quite forceful for boys asking for a donation. They had mentioned they take XXXX. After being quite vocal about my unwillingness to donate, I started to understand they were not taking no for an answer, and began to fear for my safety, as these males were over XXXX '', large in size, intimidating and could have easily been carrying a weapon. I opened my Chase Bank app, thinking I could quiet them by sending them {$5.00}. As soon as they noticed my bank app was open they snatched my phone from my hands and began walking fast while using my device as I was pleading to them to return it to me. They began to run and ended up dropping my phone, where i was able to retrieve it, but when I logged into my bank app again, I had seen that through my Chase App, they XXXX XXXX the name XXXX under the phone number ( XXXX ) XXXX the amount of {$2000.00}. This {$2000.00} came straight from my checkings account. 

I filed a police report and a claim with Chase bank immediately following this occurrence. Case number for police report is XXXX, and Chase bank claim number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have been a customer of Bank of America for 35 years and recently was a victim of XXXX XXXX on XX/XX/2023. I received a fraudulent bank check for {$1700.00} for an item I was selling and called BOA customer service and was informed the check had " cleared ''. I acted on this information and sent the money via XXXX to a " fraudulent actor '' only to learn that the bank check was counterfeit and BOA removed the {$1700.00} from my account. After a 4 month investigation, BOA informed me that I received " misinformation '' from their customer service and that they provided the customer service representative the necessary education to ensure " this will not happen again. '' They refused to reimburse me for their customer service error. BOA has already brought this case to their " lawyers '' attention and I have brought this to the attention of the president of BOA ( XXXX XXXX ). Customers of BOA need to know they have no concern for their customers when they are victims of fraud even when they are partly to blame.

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 2023-04-30 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:
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX. Identity Theft XXXX  Account Number : XXXX XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit 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 2023-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Solutions LLC
State: MO

Complaint narrative:
this is 3 party collector, has no right to request collect, we dint have any contract with receivable solutions llc. 
on XX/XX/23 i send them second letter requesting verification of the right to claim the collection the Receivable solutions attempt to collect debit of XXXX for 3 bills from XXXX XXXX XXXX XXXX. 
they fail to respond and clear this problem, i hove no idea who they are and do they have right to this debit,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: AL

Complaint narrative:
I am writing to request the removal of inquiries from my credit report that are not tied to an active account. As per the 15 U.S.C 1681 Congressional findings and statement of purpose, I have the right to request the removal of inquiries from my credit report.

These inquiries are defaming my character and preventing me from obtaining a mortgage to buy a home. Despite submitting multiple letters and making several phone calls to your company, I have been unable to get a representative to assist me. Instead, I have been transferred from one person to another without any resolution.

Therefore, I kindly request that all inquiries that are not tied to an active account be removed from my credit report. These inquiries are not tied to an active account and are defaming my character, and I request that they be removed immediately. 

I appreciate your prompt attention to this matter and look forward to hearing from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: AL

Complaint narrative:
I am writing to request the removal of inquiries from my credit report that are not tied to an active account. As per the 15 U.S.C 1681 Congressional findings and statement of purpose, I have the right to request the removal of inquiries from my credit report.

These inquiries are defaming my character and preventing me from obtaining a mortgage to buy a home. Despite submitting multiple letters and making several phone calls to your company, I have been unable to get a representative to assist me. Instead, I have been transferred from one person to another without any resolution.

Therefore, I kindly request that all inquiries that are not tied to an active account be removed from my credit report. These inquiries are not tied to an active account and are defaming my character, and I request that they be removed immediately. 

I appreciate your prompt attention to this matter and 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 2023-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Check was sent to cover entire bill was cashed and yet still reporting on my credit report. They received more than the entire bill. Nothing but problems trying to get more money from my checking account when its more than enough to clear a. XXXX XXXX or ding to their document. I had to get my bank to not allow them to continue taking money when they have been paid.

Company response to consumer: Closed with explanation