vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am writing to express my deep dissatisfaction and frustration regarding the recent removal of a charge-off from my account with Credit Bureaus XXXX This action has been taken without any prior notification or justification, and it has had significant adverse effects on my financial standing and credibility. 

I was informed that a charge-off had been applied to my account due to incorrect balances. While I understand the circumstances that led to this decision, I have diligently worked to rectify the situation and fulfill my obligations to Credit Bureaus. I have demonstrated my commitment to resolving the issue in good faith. 

To my surprise and dismay, I recently discovered that the charge-off has been removed from my account without any explanation or communication from your end. This unilateral decision has left me in a state of uncertainty and confusion, as it directly impacts my credit history and financial reputation. 

I demand immediate clarification and justification for the removal of the charge-off from my account. It is imperative that Credit Bureaus provides transparent and accountable reasons for this action, as it has far-reaching implications for my financial well-being. 

Furthermore, I request that you promptly reinstate the charge-off on my account unless you can provide compelling evidence and rationale for its removal. This matter must be resolved in a fair and equitable manner, taking into account my rights as a customer and the principles of accountability and transparency. 

I expect a timely response to this complaint and a satisfactory resolution to the issues raised. Failure to address this matter adequately will compel me to explore other avenues for redress, including seeking legal counsel and escalating this complaint to relevant regulatory authorities. I am asking for your assistance to remove these charge off accounts in my credit file : 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 explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm disputing some accounts due to identity theft ; they weren't opened by me, and I've never benefited from them. You must remove these fraudulent accounts promptly to comply with the law, or I'll have no choice but to take legal action against 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 2024-02-07 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: FL

Complaint narrative:
There are numerous inaccurate and unauthenticated items on my credit report. As a result I am suffering from severe stress and sadness. This is affecting my day to day life and I am struggling to be present with my kids because of this ; it is occupying my mind 24/7. Clearly the agencies are not concerned with the repercussions on their failure to ensure the accuracy of their reporting and now here I am being affected by their errors.

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: OH

Complaint narrative:
Criminal record shows inaccurate information. On XX/XX/2024 I XXXX  XXXX  to a Falsification charge ( XXXX XXXX XXXX  ) and my report is showing the wrong information as XXXX XXXX to a XXXX XXXX of falsification in XXXX  offense-to purchase XXXX, which is inaccurate and needs removed from my report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: WI

Complaint narrative:
In XXXX an account XXXX XXXX  was disputed from transunion with a balance XXXX and was investigated upon results they updated the credit report but failed to remove the account for inaccurate reporting this account belongs to a person with similar name. We reached out to original creditor they failed to provide proof of this account. Please remove account immediately. 

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719,

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 2024-02-07 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: NY

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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 2024-02-07 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: NY

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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 2024-02-07 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: OH

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX ; XXXX, XXXX, M ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH 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  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-02-07 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: OH

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX ; XXXX, XXXX, M ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH 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 XX/XX/XXXX ; XXXX OF XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Billing Error Notice and Request for Resolution - XXXX XXXX - ENDING IN XXXX To : Ally Bank Customer Service Date : XXXX XXXX XXXX  Subject : Billing Errors, Missing Funds, and Disclosures - [ Account Number ] Dear Ally Bank, I am writing to formally notify you of multiple billing errors and missing information associated with my account, [ Account Number ]. Despite the fact that my account is being traded as a security, I have not received any proceeds. Additionally, each monthly billing statement contains errors regarding the amount owed and the proceeds reflected. 

Further compounding the issue, I have never received the Certificate of Indebtedness for my vehicle financed through Ally Bank. This document is crucial for my records and should have been provided upon loan origination. 

Therefore, I demand immediate resolution to the following concerns : Missing Proceeds : Please investigate and credit my account for all proceeds due from the trading of my security. Please provide clear documentation detailing the calculations and amounts. 
Billing Errors : Correct all inaccuracies in my monthly billing statements regarding the amount owed and the proceeds reflected. 
Missing Certificate of Indebtedness : Issue and send me a certified copy of the Certificate of Indebtedness for my vehicle loan at the following address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Furthermore, I have never received the required disclosures with my monthly statements. Please provide all missing disclosures immediately. 

I expect a prompt and comprehensive response to this matter. Please contact me within [ Number ] business days at [ Phone Number ] or [ Email Address ] to discuss further and confirm the resolution timeline. Additionally, please confirm that certified funds will be sent to the provided address to compensate for the missing proceeds. 

If this issue is not resolved to my satisfaction within a reasonable timeframe, I will be forced to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and pursue other legal remedies. 

Thank you for your prompt attention to this serious 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 2024-02-07 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: NY

Complaint narrative:
I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 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 2024-02-07 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: NY

Complaint narrative:
I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 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 explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I had XXXX XXXX as my auto insurance carrier. I was involved in a 5 car accident on XX/XX/year> and car was deemed totaled. I contacted XXXX XXXX  and informed tthem. At that time, my claim rep was XXXX XXXX and she transferred the claim three times. So they asked same to send proof of car being totals from insurance company and I did mail it. I had already paid my premium for the month of XXXX for XXXX and its drafted from my checking account on the XXXX of every month. They advised me not make the payment for the month of XXXX because of the vehicle being totaled and it was the last payment for the billing cycle and my policy was due to renew on the XXXX of XXXX for the next sixths month and XXXX XXXX was suppose to prorate me a refund back for the last 7 days of tue policy left. So I canceled my automatic withdrawal for the last payment and was waiting on my refund. I never receive any other communication but a text from Credit Collection Services informing me that my account is with them. This is very upsetting as I almost died in a 5 car accident, which I was hit and airbags deployed and I am due for a refund and they never sent me my money and reported me to the credit bureau as well.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: FL

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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 2024-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I had several of my credit cards stolen repeatedly and from which fraudulent purchases were made. I also had someone use my identity to buy a cell phone without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I am reporting a fraudulent inquiries found in 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 2024-02-07 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: NJ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I signed up or a XXXX XXXX XXXX credit card from Chase Bank. Part of the offer was a {$300.00} credit against XXXX purchases made in the first XXXX  months. I made XXXX purchses for {$81.00} on XX/XX/2024 and {$130.00} on XX/XX/2024. I received a credit for {$81.00}, but not for the {$130.00}. I called on XX/XX/2024 to inquire why I was not receiving the credit for the {$130.00} charge and was told by the supervisor, XXXX, that they were told to interpret the terms of the {$300.00} bonus as a one-time credit ONLY for the first purchase. He said he would escalate this and also send the terms on the bonus to me. The incident number was XXXX XXXX Someone was supposed to get back to me in XXXX days. No one did. 

I received the letter with the bonus terms on XX/XX/2024 and part of it states : " Earn a statement credit on XXXX purchases up to {$300.00} in spend for the first XXXX  months from account opening ''. NO WHERE DOES IT SAY IT'S FOR A ONE-TIME PURCHASE ONLY I called Chase bank again on XX/XX/2024 to inquire about the escalation and was told they sent out the letter with the terms and the case was closed now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-07 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: GA

Complaint narrative:
I recently checked my credit report and upon reviewing saw accounts reporting that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
I had a previous accumulated balance with XXXX XXXX for service that ended on XX/XX/XXXX in the amount of {$650.00}. I had to move and I have contacted the previous and now collection agency ONLINE because the balance started to really snowball from XX/XX/XXXX on because of lack of work or no work due to XXXX I have explained this many times to no avail and the current creditor will not work or try to resolve the situation. In addition they will only service phone calls. Email is needed so it can be in writing - phone calls are not acceptable for the only form of contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 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: WA

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX and TransUnion credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX  XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX Balance : {$360.00}

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