vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-06 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : TransUnion, XXXX, XXXX Subject : Dispute the inaccurate name and addresses appearing on my credit report issued by your agency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Erroneous/Inaccurate/fraudulent Account names and account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This letter is a formal dispute and request for investigation under the Fair Credit Report Act ( FCRA ), 15 U.S. Code 1681 et seq.

1.15 USC 1681e ( b ) Accuracy of information/ This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report.

2. 15 USC 1681i- Duty to investigate. This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. I request a thorough investigation into these inaccuracies.

3. 15 USC 1681C Disclosures of Consumer Reports. This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names, addresses, inquires and accounts do not contribute to the accurate representation of my creditworthiness and should be removed.

I kindly request that you investigate the accuracy of the names, addresses, inquires and fraudulent accounts associated with my credit report, remove the inaccurate accounts and provide me with a free copy of my updated credit report.

Failure to address this dispute may result in legal action as permitted by the FCRA. T Thank you for your prompt 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 2024-02-06 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: TX

Complaint narrative:
I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-06 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: FL

Complaint narrative:
I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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 2024-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: IN

Complaint narrative:
I asked for a validation of debt. They responded after I asked for it. It's been almost 2 weeks and I have not received it with in that 10 day mark of first contact

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX, 2023 Dear sir or madam, I requested assistance from your agency and submitted a formal complaint disputing inaccurate information on my consumer credit reports with Experian reporting agency on XXXX XXXX XXXX 
As per the FCRA, Experian is required to conduct an reasonable and fair investigation and provide evidence that I requested before the end of 30 days, or an additional 15 days to reinvestagate. 
I reported errors to be corrected and removed from my personal information. As well, I contacted Experian 's fraud department and reported fraudulent activity that violated my consumer privacy. 
Experian, determined my disputes as irrelevant and willfully failed to conduct a reasonable and impartial investigation. Willfully refused to provide the evidence and documentation of the investigation. ( I requested verifiable documents for evidence. The names of representatives they contacted, the lenders or companies that provided the information to be accurate. Original applications, " XXXX XXXX '' signed and authorized mulitple requests submitted to the same institutions for various loans or lines of credit that is reported verified. ) Nevertheless, as per the FCRA the time they had to do an investigation/reinvestagation is now over which violated my consumer rights. Correct my personal information, remove old accounts past 7 years and older, and the mulitple/duplicate hard inquires be removed immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you in advance for your attention in this matter. 
I will govern myself according, XXXX XXXX XXXX a side note : The customer service Experian XXXX department is providing is unacceptable. ( I believe many businesses fail to remember without their customers they will not be in business, or they will lose their business and credit worthiness. )

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 2024-02-06 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: FL

Complaint narrative:
I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
In XX/XX/XXXX we were lied by XXXX XXXX... bad business practice. They told us we could rent the timeshare anytime and travel anytime we wanted to. No extra annual fees or any hidden fees. They made us sign in a rushed environment. That has been the biggest mistake of my life. We paid them {$5500.00} in downpayment and monthly fees. 

In XXXX we started seeing other fees to pay and annual fees that they did not inform us of. 

In XX/XX/XXXX and forward we started communicating thru emails and calls about cancelling the timeshare because of the hiding fees and because of XXXX and all the financial difficulties we were having and still have. We told them we wanted to sell it back to them or just give it to them back and take the {$5500.00} we had already given them as a loss. They said no and have been informing the credit bureaus that I am " late '' and this has resulted in my credit score to drop. We NEVER used the timeshare at all and want them to please cancel this timeshare.

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 2024-02-06 00:00:00
Product: Credit reporting 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: MO

Complaint narrative:
In XX/XX/XXXX we were lied by XXXX XXXX... bad business practice. They told us we could rent the timeshare anytime and travel anytime we wanted to. No extra annual fees or any hidden fees. They made us sign in a rushed environment. That has been the biggest mistake of my life. We paid them {$5500.00} in downpayment and monthly fees. 

In XXXX we started seeing other fees to pay and annual fees that they did not inform us of. 

In XX/XX/XXXX and forward we started communicating thru emails and calls about cancelling the timeshare because of the hiding fees and because of XXXX and all the financial difficulties we were having and still have. We told them we wanted to sell it back to them or just give it to them back and take the {$5500.00} we had already given them as a loss. They said no and have been informing the credit bureaus that I am " late '' and this has resulted in my credit score to drop. We NEVER used the timeshare at all and want them to please cancel this timeshare.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Ive called the company on many occasions since XX/XX/2023, to request original documentation, amount claimed to be owed, and settlement information! Last call was today XXXX. Each time I call, Im given an email to request this information XXXX, but this person never responds back! Ive spoken to this person once, when I was transferred to him two weeks ago, and he was very rude, wouldnt let me speak, and told he wasnt sending me anything, and that he didnt have to discuss anything with me, then he hung up! Now, theres an excuse everytime I call, such as hes in a meeting or Im transferred to his voicemail, with no return call! How do I verify the debt amount is correct, or pay if these are actions of this agency!

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 2024-02-06 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: MS

Complaint narrative:
i have sent letters requesting a reasonable re-investigation of the inaccurate information reporting on my credit report and they claim its verified. i have attached copies below for your reference

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: MS

Complaint narrative:
i have sent letters requesting a reasonable re-investigation of the inaccurate information reporting on my credit report and they claim its verified. i have attached copies below for your reference

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 2024-02-06 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I went to withdraw money from Bank Of America using a Bank of america state edd issued card and it gave an error message didnt dispense the money but subtracted the amount from my account I have trid to resolve the claim with Bank of America and they keep denting my claim and refusing to give me my money back

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 2024-02-06 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: NY

Complaint narrative:
As a consumer, I am writing to file a formal complaint against Equifax concerning inaccurate information and privacy violations on my credit reports. 

Equifax have reported inaccurate information ( XXXX XXXX ) on my credit report, damaging my creditworthiness and violating my rights under the 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. " A person shall 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. '' XXXX XXXX  account # XXXX states that I am an authorize user on the account and I am not. 

The inaccurate reporting constitutes a violation of my privacy rights under the Privacy Act of 1974 ( 5 U.S. Code 552a ). The Act requires each agency that maintains a system of records to restrict the collection of information to only the information relevant to the purpose, to ensure the information remains accurate, to collect information directly from the subject whenever possible, and to tell the subject the purpose for which the information is being collected and the authority under which it is being collected. 

The credit reporting agencies failed to follow reasonable procedures to ensure the maximum possible accuracy of the information in my credit reports, as required by 15 U.S. Code 1681e- Compliance Procedures.

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate actions to rectify the inaccuracies on my credit reports, ensure compliance with relevant laws, and protect my consumer rights. I have attached supporting documentation, including evidence of the inaccurate information. 

I demand XXXX XXXX, account # XXXX to be deleted. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and appreciate your efforts in upholding consumer rights. 












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Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
I was told by the XXXX XXXX XXXX XXXX  billing department 's supervisor, XXXX, that my billing would be put on hold until all claims were processed through my insurance. In XX/XX/2023, I received several letters from Clear Management Solutions requesting payment for medical billing from the XXXX XXXX XXXX stating those bills were in collections. I have called XXXX XXXX XXXX XXXX XXXX billing department requesting to have the bills recalled from collections so that the insurance can be processed as the billing amounts were incorrect. I was told that I needed to call XXXX and request that they send the bills back to the XXXX XXXX XXXX I did that and XXXX told me that they do not have that ability and that the XXXX XXXX XXXX needed to request the bills to be sent back. They have also harassed me by calling me several times requesting payment even after I told them that the amounts were incorrect and after asking them to stop calling me. I have called the XXXX XXXX XXXX XXXX  billing office requesting to have the bills returned to them so that they can be properly processed and paid, and I was told that I needed to speak to a supervisor. I have called back every other day since XX/XX/XXXX requesting to hear from a supervisor, yet have never received any communication from them. 

The following bills that this company shows that are due are incorrect : XXXX XXXX # XXXX they show a balance of {$220.00}. My XXXX  from insurance shows my XXXX responsibility as {$190.00}. 
XXXX XXXX XXXX XXXX they show a balance of {$27.00}. My XXXX from my insurance shows a XXXX responsibility of {$0.00}. This claim was included with the above claim and the total amount due is {$190.00}. 
XXXX XXXX XXXX XXXX they show a balance of {$1100.00}. My XXXX from my insurance shows a XXXX  responsibility of {$750.00}. 
XXXX XXXX XXXX XXXX they show a balance of {$1100.00}. My insurance is currently processing this claim and show a {$0.00} balance until the claim is completely processed. 
XXXX XXXX XXXX XXXX  they show a balance of {$920.00}. My XXXX from my insurance shows a XXXX responsibility of {$0.00}. 

My current balance due at the XXXX XXXX XXXX  is {$2500.00} pending the hospital visit claim # XXXX, NOT the {$5100.00} that they are stating that I owe. I have already provided my XXXX to the XXXX XXXX XXXX XXXX billing office for them to be updated, yet nothing has been done and my bills are still in collections with XXXX. 

The bills need to be recalled from XXXX IMMEDIATELY and properly billed to reflect the correct amount due of {$2500.00}. I will then be HAPPY to pay them off.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: VA

Complaint narrative:
I'm disputing negative items on my credit report due to identity theft. Although creditors agreed to remove them, the credit bureau denied my claims, violating the Fair Credit Reporting Act. Fix this now and remove the accounts, or I'll take legal action if not promptly addressed.

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 2024-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My XXXX  received a settlement check from XXXX XXXX XXXX XXXX XXXX in the amount of {$14000.00}. The check was mailed to my house. The check arrived on XX/XX/XXXX. It was supposed to be cashed by XXXX, because that's who the check was endorsed by. Me and my XXXX  went to a XXXX branch in XXXX XXXX. We were told that we couldn't cash the check at XXXX ( too many people were receiving the same checks and they couldn't cash it ). My XXXX  doesn't have a bank account because he was released from XXXX XXXX on XX/XX/XXXX, and didn't have his much needed documentation to open up a bank account. We were then told to go to Chase Bank, and double endorse it ( my signature and his ). I had an account with Chase Bank during that time. We go to Chase Bank, and we both sign the check. It goes in my account. A few days later, XX/XX/XXXX, I return to the same location, to an employee named XXXX XXXX. I bring the stub that came with the check. My Chase checking account was closed a few days later. I contacted OCC on XX/XX/XXXX, and they opened a case. An executive by the name of XXXX contacted me on XX/XX/XXXX, and asked me to submit a Power of Attorney form to him. We obtained the documents ( POA ) on XX/XX/XXXX. I emailed them to my case manager from Chase. I tried getting in contact with XXXX, and I was told on XX/XX/XXXX, that there would be a new executive in charge of my case. Her name is XXXX. She contacted me a few days before the XXXX XXXX, and explained to me that the POA wasn't enough, and that they needed to verify my XXXX  over the phone. On XX/XX/XXXX, he called the Chase fraud telephone number and said that he is in fact the third party. He gave me his copy of the POA, and I took it to the bank on XX/XX/XXXX. I came back to the same XXXX XXXX location, on XX/XX/XXXX, and was told that the POA was valid. They told me that a cashier 's check would be mailed to my house in XXXX to XXXX business days. No check at all. I called Chase Bank on XX/XX/XXXX, and they told me that I have to return to a physical location and bring in the POA. This feels like it's never ending. My XXXX  is in a XXXX XXXX, and me and him would like for this to be resolved.

Company response to consumer: Closed with explanation