vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-09 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: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting 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 do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
Credence resource management is managing a debt that I owe to XXXX XXXXXXXX from XXXX. The debt already passed the statue of limitations in aged off of my credit report and fell off it was gone off my credit report for 3 months now they're trying to lie and bring the debt back by saying the account was open in XX/XX/XXXX I requested all the documents showing any proof that I had signed something or agreed to a new account that showed proof that it was open in XX/XX/XXXX they sent me the billing statements and every single one from XXXX XXXX XXXX from XXXX and XXXX so this account needs to be removed it's already past the statue of limitations and this is illegal they are lying. I have proof of the billing statements, etc. I personally have not had any contact with the debt collector because it will reset the time on the debt so I have been working with XXXX. Every dispute I have submitted has basically been ignored and just says they resolved it but still all the information is the same saying the account was open in XX/XX/XXXX and the collection is still on my report. This account was fraudulent to begin with. My mother opened an account in my name and I had no knowledge of it. The same thing happened with XXXX XXXX. The previous credit report before it aged off even showed the account was opened in XXXX. All of the billing statements do as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have always taken pride in my credit history and my credit scores. My scores have always been above XXXX. Yesterday I saw my TransUnion score had dropped XXXX points for no reason. My XXXX score is XXXX. I contacted TransUnion for an explanation and the rep told me its because Im not utilizing my available credit. I have no open loans and use only XXXX credit card. According to TU, I have not used my credit card in months. This is completely false. I use that card frequently and pay the balance regularly so I always have a XXXX balance. The rep told me the info they are getting from XXXX XXXX shows I havent used the card in months and I needed to contact them which I did. The XXXX  rep was completely bewildered by this. They have sent my info monthly to the XXXX agencies and showing my account is current, has a XXXX balance, and is in good standing. I have never missed a payment or been late on a payment for anything in my life. I contacted TransUnion again and went through the same process up front and ultimately the rep saying its because Im not using the card. I offered to send them copies of my statements for the past XXXX, XXXX, XXXX plus years showing I use the card frequently and pay the balance off monthly. They declined that offer. I asked them what federal agency I need to file a complaint with about this because the info theyre using to justify dropping my score XXXX points is completely false and its only with TransUnion this seems to be happening. Like I said earlier I pride myself on having excellent credit and an excellent credit history. It was very frustrating to me to feel like Im being punished for keeping my bills paid on time and never carrying over a monthly balance. I got absolutely nowhere with TransUnion and spoke with XXXX representatives asking them to fix their error. Thank you for any assistance you can provide.

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 2023-11-09 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: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-11-09 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 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: NV

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-11-09 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: NV

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-11-09 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: NV

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-11-09 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: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 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: NV

Complaint narrative:
I was XXXX due to XXXX on XX/XX/2022, and my health insurance expired while I was in the hospital. I was charged and billed {$4.00}, dollars, by the insurance company and my employer did not offer me XXXX or send me an election notice, I was not informed about XXXX and did not know how to apply for it. this medical bill was placed on my credit reports with TRANS UNION, XXXX, and XXXX, I challenged it, but the credit bureaus did not remove it, according to Federal Law employers have to provide employees with XXXX notice and election procedures, and I was not presented with notice, and this would make the bill placed on my credit reports wrong and the balances wrong. I would like this bill removed immediately causing me financial hardship. The account is listed below. 

XXXX XXXX XXXX ( original creditor XXXX XXXX ) ACCOUNT : XXXX Sincerely Yours, 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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I was hospitalized due to XXXX on XX/XX/2022, and my health insurance expired while I was in the hospital. I was charged and billed {$4.00}, dollars, by the insurance company and my employer did not offer me XXXX or send me an election notice, I was not informed about XXXX and did not know how to apply for it. this medical bill was placed on my credit reports with XXXX XXXX, EQUIFAX, and XXXX, I challenged it, but the credit bureaus did not remove it, according to Federal Law employers have to provide employees with XXXX notice and election procedures, and I was not presented with notice, and this would make the bill placed on my credit reports wrong and the balances wrong. I would like this bill removed immediately causing me financial hardship. The account is listed below. 

XXXX XXXX XXXX ( original creditorXX/XX/XXXX) ACCOUNT : XXXX Sincerely Yours, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-11-09 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-11-09 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-11-09 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 2023-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
ACIMA erroneously turned over a line of credit debt ( previously paid off ) to a collection agency. The collection agency is now trying to collect a balance that doesnt exist. The loan was paid off on XX/XX/. ACIMA offers 90 days same as cash terms. However, they are not honoring the contract agreement. Theyre guilty of bait and switch.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: VA

Complaint narrative:
Reported my husbands death to Fidelity. Their card partner is with US Bank. Fidelity support has been perfect. Met at Fidelity office in XXXX VA XX/XX/XXXX. On XX/XX/XXXX I received an email from XXXX XXXX that my card was denied. My cards had been cancelled because my late husband was the authorized person and I was just the authorized user. 
We are retired. My husband passed suddenly due to complications from XXXX XXXX XXXX. This widow was in shock. My husband was an accountant. We used and paid our credit card off every month. I was not made aware of the process or what to expect regarding my card. I can not log into the account. I called, submitted the Will showing I am executor, I am responsible for the bill and will pay it off! I need a YTD summary of the card for tax purposes. They told me to pull off the internet a small estate affidavit. I went back to the branch and followed these instructions. Told I would hear back within 48 hours NO communication. On XXXX I reached out via Social media and had a conversation with them via cell. An official complaint was filed and again, someone would call me back. Have not heard anything until Yesterday, XXXX I received a letter in the mail stating that I owed {$16000.00}. This is about {$2000.00} more than the call center rep said my balance was just two weeks prior. And my card was closed so how are there additional Charges? 
Note : the card is issued by XXXX, I believe its a division of XXXX Bank. 
As a grieving widow how can this happen to a premier XXXX Bank XXXX? 
I want to pay the bill~ without late fees and I want to see what I am paying off with an itemized current bill. I also need the YTD account summary of charges for tax purposes and I need to understand WHY this happened? 
Why NO-ONE has helped me or provided an explanation. I have spoken with XXXX people and more than half of them say, yes we know this is a problem WITHIN their organization! 
It did not need to get to this point!! 
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 2023-11-09 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit cardXXXX account under an open end consumer credit plan as late for XXXX and purpose. 

Account name : 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 2023-11-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my Rights! Under Act 15 U.S.C 1681 section 602 says, " 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 ''.

Under 15 U.S.C 1666B, " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.

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 2023-11-09 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: GA

Complaint narrative:
I have requested proof off debt and any sign agreement or contracts related to the fraud 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 non-monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation