vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-24 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: GA

Complaint narrative:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-02-24 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-02-24 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina, XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern, I, XXXX XXXX am a consumer and natural person fully aware of my rights protected by The Congress under the Fair Credit Reporting Act ( FCRA ). I write to bring attention to the violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 by the accounts listed below. 
XXXX XXXXXXXX The provisions of 15 U.S.C 1681 Section 602 A guarantee my right to privacy. 
Furthermore, 15 U.S.C 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without obtaining my written instructions. I request the immediate deletion of this account, unless you wish to be held liable for {$1000.00} per violation. 
I expect that this matter will be addressed promptly and that the necessary actions will be taken to rectify the inaccuracies in my credit report. 
Best regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: VA

Complaint narrative:
My credit is reporting medical debt that I do not owe. I have 100 % medical coverage and have no out of pocket expenses. I also have no received any medical services nor have I been to the hospital in the time frame reporting. This are inaccurate and fraudulent charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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:
I am submitting this complaint to request an investigation into the inaccuracies pertaining to the mentioned account. The information reported is incorrect and is adversely impacting my credit score due to its negative nature. As per the Fair Credit Reporting Act, I kindly request that you commence an investigation into this account within the stipulated 30-day period. It is imperative that all adverse information pertaining to this account be rectified promptly. Specifically, the account requiring investigation is as follows : XXXX XXXXXXXX XXXX XXXXXXXX, with a balance owed of {$520000.00}. This account has been inaccurately reported in my credit file. I respectfully request the removal of any late remarks associated with this account, as I have never made late payments. I urge you to thoroughly review the provided information. Your prompt attention to this matter would be greatly appreciated. Furthermore, I request that any information unable to be verified with 100 % accuracy be updated accordingly. I eagerly anticipate the timely correction of my credit information to accurately reflect the necessary changes.

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 2024-02-24 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: FL

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-02-24 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 am writing to file a formal complaint regarding fraudulent items present on my credit report. Despite previous attempts to address this issue, the fraudulent entries continue to negatively impact my creditworthiness and financial standing. 

I have taken all necessary steps to dispute these fraudulent items, including submitting documentation and evidence supporting my claim of fraud. However, despite my efforts, the items remain on my credit report, causing significant distress and hindrance in my financial affairs. 

I urge you to investigate this matter promptly and take immediate action to remove the fraudulent items from my credit report. It is essential that my credit history accurately reflects my financial responsibility and integrity, and the presence of these fraudulent entries undermines that integrity. 

Furthermore, I request regular updates on the progress of the investigation and the actions being taken to address this matter. Timely communication is crucial in resolving this issue and restoring the accuracy of my credit report. 

Failure to address this complaint in a timely and satisfactory manner may result in further escalation, including legal action and involvement of regulatory authorities. I trust that you understand the severity of this matter and will take swift action to rectify it. I am asking for your assisstance to remove these fraud items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-24 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 am writing to file a formal complaint regarding fraudulent items present on my credit report. Despite previous attempts to address this issue, the fraudulent entries continue to negatively impact my creditworthiness and financial standing. I have taken all necessary steps to dispute these fraudulent items, including submitting documentation and evidence supporting my claim of fraud. However, despite my efforts, the items remain on my credit report, causing significant distress and hindrance in my financial affairs. I urge you to investigate this matter promptly and take immediate action to remove the fraudulent items from my credit report. It is essential that my credit history accurately reflects my financial responsibility and integrity, and the presence of these fraudulent entries undermines that integrity. Furthermore, I request regular updates on the progress of the investigation and the actions being taken to address this matter. Timely communication is crucial in resolving this issue and restoring the accuracy of my credit report. Failure to address this complaint in a timely and satisfactory manner may result in further escalation, including legal action and involvement of regulatory authorities. I trust that you understand the severity of this matter and will take swift action to rectify it. I am asking for your assisstance to remove these fraud items in my cr
edit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-02-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In response to Equifax correspondence pertaining to inquiries, please see attachment. 

Equifax is in violation of 15 USC 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I have reached out to this company XXXX of XXXX to have them remove me from this loan responsibility as ex wife won the vehicle in divorce in which i was no longer responsible for.I have also given them copy of divorce paperwork in which they have asked for it to look into the matter. I have now recently reached out to them these past few months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Letting them know that this is still showing on my report and that i was under the impression that it would be removed. I asked them if they could remove this from my report and they stated that I would have to pay them {$10000.00} to have this taken off. I explained to them that im a 100 percent XXXX veteran and there is no way i can pay them that amount for them to remove 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 2024-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: CO

Complaint narrative:
I wrote four checks to tax authorities for my property tax and they were subsequently intercepted, the payees altered, and deposited at U.S. Bank National Association. The checks cleared my account and were deposited at U.S. Bank not the tax authority. The checks were written on my account at XXXX XXXX I did not look at the returned copy of the checks until six months later when i received a delinquent tax notice, past the time of thirty days that XXXXXXXX XXXX requires for unauthorized transactions. Even though XXXX security issued four fraudulent item affidavit statements, they stated they are not liable to reimburse me the funds. When I received the delinquent tax notice, I immediately contacted XXXX. I don't normally look at every check copy and assumed that either U.S. Bank or XXXXXXXX XXXX both had a duty to see that every check is correct and secure. I simply did not expect that fraud would occur. The check # XXXX, & XXXX for {$1200.00}, {$1900.00}, {$2700.00}, & {$2300.00}. XXXX XXXX  responded to CFPB, but nothing from U.S. Bank. Should not these Banks have to negotiate, and make me whole in spite of the thirty day requirement? The checks were all issued on XX/XX/23. and all paid on XX/XX/23. The four checks were verified fraudulent by XXXX, because they were clearly altered. I had to pay twice out of pocket these funds to the tax authority. XXXX stated in the response to CFPB that in the future if U.S. Bank forwards any funds to XXXX, they will be credited to my account. Which makes this complaint about U.S, Bank also. I do not know if there has been any negotiation between these two parties, and do not know if the fraudster has been apprehended. 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 explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I bought ten InComm prepaid cards ( Vanilla Visa, Vanilla XXXX, etc. ) in XX/XX/year>, but they failed to work or stopped working. I tried to get replacement cards but the representative " XXXX '' refused to replace the cards as I requested and instead combined all of the cards in one request for a refund, Case XXXX. I have not gotten any resolution on case XXXX. I believe that a replacement card XXXX have been sent to me from this batch, but in total I have approximately {$4400.00} across 10 cards and I now want refunds ( including refunds of the purchase prices, approximately {$5.00} apiece or {$59.00} ) all by check. 

I tried in good faith to get replacements but InComm did not respond with replacements, and has not given me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: IN

Complaint narrative:
On XXXX  I submitted a complaint to TU informing the bureau that the charged off account needed to be investigated for improper reporting and TU repsonded that the account was not reporting on my consumer report, however the account is still listed on my report as a charge off. 

I requested a 1099C form from XXXX XXXXXXXX in regards to a charged off account, I was sent the form that had the balance information reflecting the total amount of debt that was canceled. On this form however the amount that was written off does not reflect the same amount that is showing on my credit report. XXXX XXXX states {$1800.00} was the amount charged off, however on my credit report it is showing that the amount charged off was {$10.00}, XXXX. This is inaccurate and must be removed from my credit report ASAP, not only are the amounts different but when I went to dispute this with the credit bureau XXXX they stated that the XXXX XXXX account number and the account number written on the 1099C form are different. So with that being said either XXXX XXXX did not send the correct 1099C form which makes this account invalid or they dont have the correct information which would make the reporting of this account fraudulent. This account is being reported in error and must be removed from my consumer report immediately.

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 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: FL

Complaint narrative:
I am in the process of purchasing a home. My debt to income ratio is significantly high because of these student loan accounts. I reached out to EDFINANCIAL SERVICES L for them to verify the information and nothing has been done and i need to close on my home within 10 days. Please help to have them remove ALL STUDENT LOAN ACCOUNTS as this is false & inaccurate information that should not be reporting according to the FRCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute information reported inaccurately on my credit report. According to my latest credit report from Experian, this agency has reported some discrepancies, including my payment history, which I believe violate my rights under 15 U.S. Code 1611 regarding the willful and knowing reporting of false information. 
Upon reviewing my credit report, I noticed the following errors : Payment History : I PAY all my bills on time ( I have bank statements to prove you wrong in court ) Creditor Name : XXXX XXXX  Nature of Discrepancy : The account is reported as " POTENTIALLY NEGATIVE, '' despite being PAID in FULL and closed. 
Creditor Name : XXXX XXXX Nature of Discrepancy : Discharged Account being reported as past due Creditor Name : XXXX Nature of Discrepancy : The account is reported as " POTENTIALLY NEGATIVE, '' despite being PAID in FULL and closed. 

Creditor Name : XXXXXXXX XXXX XXXXXXXX Nature of Discrepancy : This account is unverified. It doesnt belong to me. 

Creditor Name : XXXX XXXX XXXX Nature of Discrepancy : Unverified account. This is not my account. 

Almost everything they have reported about me is a LIE, and this has caused me to lose money. I have proof that I have always paid on time and receipts for the account they are reporting negatively. I have also noticed that they are reporting collecting from 10 years ago.

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 2024-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Hello, Navy Federal Credit Union 's unable to retrieve my funds via a dispute, for an unused ticket with XXXX. Both the travel agency and bank, confirmed a refund was attempted. However, the bank claims it was rejected based on an incorrect " authorization code. '' On the contrary, XXXX states it was processed on XX/XX/XXXX. Since then, Navy Federal supplied me with information which details, instructions for submitting the payment on an updated card. Consequently, I'm pondered as to why the funds weren't processed into my account regardless, of weather the card was active or not. Even though, a dispute remains in progress with the bank for {$1400.00}. XXXX, I'm concerned my funds have been lost without a valid explanation. At your convenience, would you please assist with recovering my lost funds? 

XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: CA

Complaint narrative:
In accordance with the fair credit reporting act, this creditor XXXX XXXX XXXX XXXX has violated my rights. On their 15 u.s.c. 1681 section 602, states I have the right to privacy. 15 u.s.c. 1681 section 604a, section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. On their 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. 

15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

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 2024-02-24 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: GA

Complaint narrative:
In response to XXXX correspondence pertaining to inquiries, please see attachment. 

XXXX is in violation of 15 USC 1681b

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