vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-06 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: WA

Complaint narrative:
For months I have been trying to have an account that I did not recognize and therefore was fraudulent from my consumer credit report. The account being referenced is from XXXX XXXX XXXX. I have disputed this account with the credit reporting agency several times, asking them to not just verify but validate that this account belongs to me. Each time I either received no response at all, for our received a very generic one or two sentence response, which I can only assume is in auto response form letter that does not provide the information I requested in regards to how the account was validated. Specifically, what method was used, what phone number/address was used, who was spoken to, and what documentation was provided to them that allow them to reach this conclusion. Which is also required by law to ensure that they conduct a reasonable investigation, and not just be able to say whatever they want, but have to actually prove it. 

I have also reached out to the creditor that was listed on this account. Both by phone, and certified mail. By phone the individuals I spoke to informed me that they do not have any account by my name or by the listed account number on their records. So I sent letters via certified mail to the addresses listed for the creditors on my consumer credit report on Those letters were received on And as of this time I have not received a response from them. Which puts them out of the 30 days they are allowed by law to respond which makes the nail noncompliant which means this account must now be removed immediately. 

Here is a list of all the letters I have sent regarding this matter along with the dates they were sent, the dates they were received, and the response. 

Dispute sent to Transunion XX/XX/2021, received XX/XX/2021. Response : XXXX XXXXXXXX 
Dispute sent to Transunion XX/XX/2021, received XX/XX/2021. Response : XXXX XXXX 
Dispute sent to Transunion XX/XX/2021, received XX/XX/2021. Response : XXXX XXXX XXXX XXXX XXXX Request for XXXX XXXX XXXX  sent to XXXX XXXX XXXX XX/XX/2021 XXXX received XX/XX/2021. XXXX XXXX. 
Request for XXXX XXXX XXXX sent to XXXX XXXX XXXX XX/XX/2021 XXXX received XX/XX/2021. XXXX XXXX. 

You will find all of the letters mentioned above as well as an ftc report and XXXX data breach claim attached to this complaint. 

Thank 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 non-monetary relief
Consumer complaint received 2021-12-06 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: PA

Complaint narrative:
Hello, My name is XXXX XXXX, and I am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-12-06 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: AZ

Complaint narrative:
I sent so many times complaint to you. Why you still keeping these negative accounts on my name. I think someone hacked my personal information. I already wrote to you that is not my accounts

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 2021-12-06 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: FL

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Icon Equities, LLC
State: TX

Complaint narrative:
I've already submitted proof of fraud and identity theft to this company in the past. 
We've requested the company send proof of contracts or business dealing that were agreed to, we have received nothing. This debt is not mine and again, the fraud and identify theft affidavits have already been sent!

Company response to consumer: Untimely response
Consumer complaint received 2021-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I provided prove and all documents Barclays JetBlue ask for to give me a full refund and still nothing its been 4 months they XXXX giving me the runs rounds

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 2021-12-06 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: TX

Complaint narrative:
Be advised that the companies and companies date listed below obtained my consumer report without my authorization or permissible purpose under the FCRA. Promptly delete the unauthorized inquiry. If you conclude that the inquiry listed is verified, I request details of your method of verification. I have contacted these creditors already and they have nothing on file under my name. I am demanding the deletion of these inquiries now. 

XXXX XXXX XXXX XX/XX/2021 XXXX For- XX/XX/2021 XXXX XXXX XXXX- XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021

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 2021-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
transunion is continuing to report a medical bill and violate my rights! Not only does this violate someones XXXX rights so many other violations!

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 2021-12-06 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: PA

Complaint narrative:
I am XXXX XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my account has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that still reporting on my account : XXXX {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery One, LLC
State: FL

Complaint narrative:
XXXX is reporting collection accounts that do not belong to me. 
XXXX XXXX XXXX, XXXX XXXX XXXX, and recovery one. By law this is illegal and they must remove them immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: PA

Complaint narrative:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX-Date of Inquiry XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I sent a domestic wire transfer from my Chase account to another Chase account. Chase did not follow my wire instructions and sent the funds to a FOREIGN bank instead. Chase will not return the funds and has no explanation for this failure to deliver the funds as instructed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion is continuing to report a collection account that they can not verify after being asked several times. 

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 2021-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am writing about my account with Capital one account, I have not used this account for over a year based on my knowledge no bill should have been due. I was also impacted by covid during the months the late pays occurred since I was not aware of anything and since XXXX XXXX XXXX I wasn't aware of this at all. I am assuming the fee is an most likely an annual fee I am hoping that you can waive the annual fee and make the necessary changes to update my account to either paid as agreed or not reported in the months of XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: PA

Complaint narrative:
Hello, My name is XXXX XXXX, and I am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I filed a dispute and the investigation in regards to the incorrect information on my credit report. It took more than 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed a dispute and the investigation in regards to the incorrect information on my credit report. It took more than 30 days and I have not received any investigation results.

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 2021-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: FL

Complaint narrative:
XXXX is continuing to report a collection account that they can not verify after being asked several times. 

penn credit corp

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I was a victim of fraud and tried to work with Suntrust to prevent it from happening before charges ever cleared. Suntrust told me they could not help me and I would need to file a claim which has been repeatedly denied. Below is a timeline of what took place. 

XX/XX/2021 I received a call on XXXX XXXX cell phone. ( Hes XXXX XXXX XXXX and I am his caretaker. ) I was on the phone for XXXX hours with XXXX who claimed to be with XXXX fraud department regarding a phone that was supposedly ordered through my account. He wanted to assist me in rectifying the fraud with XXXX and I was instructed to download an app and told they would call back the next morning to finish ( see further details on Suntrust rebuttal form ). 

XX/XX/2021 XXXX from the XXXX fraud dept called back and I asked him to verify his identity and he gave me a number to call. I called XXXX and was told XXXX was with XXXX fraud department. I still felt concerned so I called XXXX directly and they reported they do not have a fraud department and that Id been a victim of a scam. 

At XXXX am, I called Suntrust customer service to report the fraud and asked them to stop the transactions. I gave them all of the numbers that XXXX used to contact me ( included on page XXXX of the Suntrust rebuttal form ) and all of the details. They said that the payments would have to post to my account before the investigation could begin. 

Not happy with that answer, at XXXX on XXXX, I visited the Suntrust branch at XXXX XXXX Highway, XXXX XXXX TN XXXX and spoke with XXXX XXXX, who XXXX the fraud department to report XXXX scam. He provided me case number XXXX in the amount of {$5600.00} and I was told that the case could take up to 10 days to complete. 

XXXX also encouraged me to report this to the FTC. I did that in the afternoon of the XXXX and received report number XXXX. 

XX/XX/2021 I spoke with XXXX at Suntrust who told me not to worry about it and she had escalated it. 

XX/XX/2021 I spoke with XXXX at Suntrust and she said this was not fraud but escalated the case and told me to call back on XX/XX/2021. 

XX/XX/2021 I returned to the XXXX XXXX branch of Suntrust and spoke with XXXX again. He called the fraud department and they said I had to fill out the rebuttal form. 

Later that same day, I returned to the branch and had XXXX fax the 11 page rebuttal to the fraud department. 

XX/XX/2021 at XXXX pm XXXX XXXX with XXXX in the fraud department at Suntrust who said that my card didnt work because my account was frozen on account of the fraud. She also said that the case was under investigation and could take up to 45 days. 

At XXXX the same day, I went back into the Suntrust XXXX again and spoke to XXXX who helped me withdraw the rest of my money and froze the account.

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 2021-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: MA

Complaint narrative:
I was in a forbearance plan due to XXXX for 18 months. US Bank sent me a packet to fill out and return to accept the offer of not being charged interest and add the amount that was excused to the back of the loan. The paperwork was filled out and sent. I went to pay my XXXX  on the XXXX of XXXX and the system prompted me that it was not accepted and to call a number. At that point they told me that they sent out the wrong paperwork but then sent the right paperwork later. I was unsure of what they were talking about. So now that they sent the wrong paperwork that was sent back to them in a timely matter they're saying I don't qualify for these terms anymore. I spoke with a XXXX who was a XXXX there and seemed like he was a new XXXX in training. I don't have the money to pay the interest and penalties from the forebearance. I needed this option. Please help us. XXXX of us in the home have XXXX  right now.

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 2021-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: AR

Complaint narrative:
This is a problem with discover credit card. I have tried to resolve this problem I had so charges on my credit card that I didnt authorized. You see I had XXXX in XXXX 2016 most of my credit cards was paid off. I had severe complications the XXXX which I was in and out of the hospital for two years then I went to a XXXX for about six months or so after I got out and was made aware of everything my credit cards were stolen and I took action on this and I called the credit card companies and disputed the charges I also made a report identity theft. Most of the credit card companies took it off my credit report disputed it no problem Discover is giving me a very hard problem they are now taking legal action against me when I have asked multiple times for them to prove the charges and give me an itemized statement that has all the charges on there so I can go over them all they can produce is the top copy of my bill which includes the amount charges the late charges the interest and all that but nowhere in there is an item my statement I have made them aware of this and they still are taking legal action against me and I do believe this is unfair. They are saying that I owe over {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2021-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
XXXX is continuing to report a medical bill and violate my rights! Not only does this violate someones HIPPA rights so many other violations!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation