vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-13 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: TX

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: TX

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-05-13 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:
Upon reviewing my credit report, I am distressed by the discovery of a late payment notation, despite not having any late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 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:
Upon reviewing my credit report, I am distressed by the discovery of a late payment notation, despite not having any late payments.

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 2024-05-13 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:
I have identified unauthorized inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: TX

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible.

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 2024-05-13 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: TX

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible.

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 2024-05-13 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: MS

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 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: CA

Complaint narrative:
I'm a victim of id theft. Several accounts have been opened without my authorization, as reflected in my credit report. Specifically : Creditor Name : XXXX XXXX Opened Date : XXXX. XXXX, 2018 Account Number : XXXX These accounts were opened without my knowledge or consent, and I have no affiliation with the mentioned creditors. This unauthorized activity poses a serious concern for my financial security and creditworthiness. 

Fair Solution : Under the Fair Credit Reporting Act ( FCRA ), I request a comprehensive investigation into the unauthorized opening of these accounts. Any responsible parties should face appropriate penalties as outlined in FCRA 1681s-2. Additionally, I request the immediate removal of these unauthorized accounts from my credit report, in accordance with FCRA 1681i. 

It's imperative that my credit report accurately reflects my credit history and financial responsibility. Enclosed are copies of my credit report highlighting the unauthorized accounts, along with supporting documentation. Your prompt attention to this matter is crucial to resolving this issue efficiently.

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 2024-05-13 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: MA

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: MA

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

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 2024-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: MD

Complaint narrative:
I was reached out to by email. XX/XX/24, XX/XX/24 and XX/XX/24. The amount owed is {$1600.00}. I did not reach out to settle because I was emailed after XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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 did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 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: IN

Complaint narrative:
I am reaching out to ensure strict compliance with the Fair Credit Reporting Act ( FCRA ) regarding the accuracy and completeness of the information you maintain. I demand that only current, accurate, complete, and lawfully reported data be retained in accordance with FCRA regulations. Any information failing to meet these criteria must be promptly and permanently removed from your records, especially if it pertains to potentially damaging inaccuracies, whether known or unknown. 
Upon reviewing my credit profile, I have identified discrepancies, false accusations, and potential instances of fraudulent activity. The following personal information requires immediate attention : My legal full name is XXXX XXXX. Any other name variations must be expunged from your records unless accompanied by legal documentation proving the right to retain such information. I explicitly forbid the reporting of any middle name or initial. 

My accurate Social Security Number is XXXX. Any other SSN listed without my explicit authorization must be removed immediately, or you must provide legal justification for its retention. 
My current residential address is XXXX XXXX XXXX XXXX, XXXX XXXX, Indiana, XXXX. 
Any other addresses, including previous ones, must be deleted from your records as they are non-mailable. Failure to do so will be considered a violation of my consumer rights unless supported by legal evidence permitting their retention. 
My date of birth is XX/XX/year>. Any alternative dates of birth listed must be expunged unless accompanied by legitimate documentation proving their accuracy.

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 2024-05-13 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 am reaching out to ensure strict compliance with the Fair Credit Reporting Act ( FCRA ) regarding the accuracy and completeness of the information you maintain. I demand that only current, accurate, complete, and lawfully reported data be retained in accordance with FCRA regulations. Any information failing to meet these criteria must be promptly and permanently removed from your records, especially if it pertains to potentially damaging inaccuracies, whether known or unknown. 
Upon reviewing my credit profile, I have identified discrepancies, false accusations, and potential instances of fraudulent activity. The following personal information requires immediate attention : My legal full name is XXXX XXXX. Any other name variations must be expunged from your records unless accompanied by legal documentation proving the right to retain such information. I explicitly forbid the reporting of any middle name or initial. 

My accurate Social Security Number is XXXX. Any other SSN listed without my explicit authorization must be removed immediately, or you must provide legal justification for its retention. 
My current residential address is XXXX XXXX XXXX XXXX, XXXX XXXX, Indiana, XXXX. 
Any other addresses, including previous ones, must be deleted from your records as they are non-mailable. Failure to do so will be considered a violation of my consumer rights unless supported by legal evidence permitting their retention. 
My date of birth is XX/XX/year>. Any alternative dates of birth listed must be expunged unless accompanied by legitimate documentation proving their accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: AL

Complaint narrative:
XXXX contacting because my information was used to open a credit card with XXXX for a balance of {$5000.00} I dont recognize his account nor did I give anyone permission to open an account using my information I have already filed a claim with the federal trade commission about this matter I am requesting that this account get removed from my credit profile because this was not my account nor did I have anyway knowledge of this account being opened!

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 2024-05-13 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: AL

Complaint narrative:
Im contacting because my information was used to open a credit card with XXXX for a balance of {$5000.00} I dont recognize his account nor did I give anyone permission to open an account using my information I have already filed a claim with the federal trade commission about this matter I am requesting that this account get removed from my credit profile because this was not my account nor did I have anyway knowledge of this account being opened!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 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: IL

Complaint narrative:
I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those 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 explanation
Consumer complaint received 2024-05-13 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: MI

Complaint narrative:
LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

FOR MONTHS, I have been going back and forth trying to solve this problem for some time with your credit reporting agency and the corporations and debt collectors you authorized to put fraudulent, inaccurate, and unauthorized items on my credit report without my written instruction or permissible purpose. The importance of this issue is you continued to report items as well despite the items not being 100 % accurate under 15 US Code 1681e ( b ). YOU MUST UNDERSTAND THAT THIS IS NOT A MISREPRESENTATION OR HAVE BEEN SENT IN ERROR. THIS IS INDEED FROM ME AND I AM FULLY AWARE AND CAPABLE OF WHAT I AM DOING. PLEASE DO NOT UNDERESTIMATE ME, AND INSULT THE LEXICON THAT I HAVE SPENT MY WHOLE LIFE ESTABLISHING. I am THE LITIGOUS CONSUMER WHICH MEANS I AM unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. THIS IS MY OFFICIAL NOTICE TO YOU AND LAST WARNING BEFORE FEDERAL COURTS ARE INFORMED. These items should be deleted immediately while in litigation per FCRA guidelines. if you fail to comply with Federal Law and not delete these items after receiving this paperwork will result in your company owing XXXX per violation. Please, within 14 days of receiving this notice, mail the results or anything that has been attempted on 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 2024-05-13 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: VA

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 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 2024-05-13 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
There was an unauthorized payment for {$170.00} from my bank account to capital one bank on XX/XX/2024 and XXXX XXXX. I called on XX/XX/XXXX. They kept saying there was no payment although it shows up on my Capital one account and my bank account. They refused to refund the amount and the supervisor was rude and useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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 have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those 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 2024-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc

Complaint narrative:
I've already had a lot of transactions in my account without any problems like this. There's this XXXX transaction ( XXXX XX/XX/2024 at XXXXXXXX XXXX XXXXXXXX, Amount : {$64.00} USD ) where the purchaser asked for a refund so I submitted the information asked on my side ( Sat, XX/XX/XXXX, XXXX ). The company then emailed me ( Sun, XX/XX/XXXX, XXXX ) that I needed to provide more business information, which I did and submitted the documents to their platform. NOW, unexpectedly and unjustly, the company permanently limited my account and provided incorrect information in the email, saying that my account is linked to another account with unresolved cases. I called their customer service a lot of times, and they just said that they couldn't do anything about it. Even XXXX of their customer service agents said that it might sound unfair on my side, which it is. Now, what I think here is a misunderstanding on the part of the part of the person who put the limit on my account or just triggered the automated system. I have emailed the company in their different emails and explained all of it without any response received from them for the past 5 days now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MD

Complaint narrative:
Jefferson capital stated they would send verification and a letter in the mail. Still havent received neither. They have reported it to my credit report without following federal laws. This seem to be commonplace with the company and with debt collection to purposely damage credit. They are avoiding sending verification because they dont have it. Once I receive verification and a letter I will respond

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: TRUIST FINANCIAL CORPORATION
State: MO

Complaint narrative:
XXXX XXXX my warranty check was deposited by Regional Acceptance. The check was wrote out to Truist Bank. I called Truist Bank and they do not have the check in their records, they said because it was sent to Regional Acceptance which is an affiliate of Truist Bank. Now I have been calling both companies since XXXX of last year and I still have not received my check.

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 monetary relief
Consumer complaint received 2024-05-13 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:
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 2024-05-13 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 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