vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KeyBridge Medical Revenue Management
State: OH

Complaint narrative:
Key Bridge was the collection agency. I was looking at this report and noticed that were invalid and incorrect account information. My tracking number from the post office is XXXX XXXX XXXX XXXX XXXX. It taken them way more than 35 days which is a violation of 15 USC 1681 ( A ) ( I ) ( A ).

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 2024-03-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Company put a fraud alert on my account when I was the one who called and asked them to send me a new card to my new address once my previous card was expired. Once they put a fraud alert on my account I was locked out of my online access how I usually make payments. So then I went in person which is another way I can make payments and the store couldn't wouldn't take my payment in person due to their process. Their process needs me to have either my physical card or my access online and I dint have either. So then I was told to call the fraud department the next day when they were open to have them give me my access online. I called the fraud department, answered all their security questions and was told I was going to be given access to my account online so I could make my payment. Uo to this day, two months later I still have no access to my account online. I have there manager of target as a witness as he also tried to talk to them on the phone when I went there in person TWICE AFTER A CONTACTED THE FRAUD DEPARTMENT and they still wouldn't take my payment cash in hand. Now supposedly my account is with their collection department with all kinds of late fees and they are demanding twice the normal amount I pay to bring not current. Mind you before this mess they created for me I was current on all my payments and my account was in good standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Description of the Incident : During the period of XX/XX/XXXX to XX/XX/2024, unauthorized transactions totaling {$4900.00} occurred on my Citibank account. These transactions were not initiated by me, and I noticed them when reviewing my account statement. I promptly reported these to Citibank and expected a thorough investigation and resolution. 
Actions Taken : After discovering the unauthorized transactions, I immediately contacted Citibank 's customer service for clarification and dispute resolution. Despite several attempts to understand how Citibank reached their decision, the information provided was insufficient, and communication was abruptly ended, leaving my concerns unaddressed. 
Subsequent Developments : Following my report to Citibank, an initial investigation was conducted, after which Citibank denied my dispute. I then filed a complaint with the XXXX, but Citibank once again denied the claim. The lack of transparency in Citibanks investigation process and their failure to provide concrete evidence supporting their decision has left me with unresolved questions regarding the security of my account. 
Request for Specific Information : Given the situation, I am requesting Citibank to provide detailed information regarding the disputed transactions. Specifically, I am seeking exact timestamps, IP addresses, and locations of where each transaction occurred, along with any other relevant data that can help identify the nature and source of these unauthorized transactions. This information is crucial for me to understand the security breach and to take appropriate steps to safeguard my financial assets. 
Conclusion : I have been a loyal customer of Citibank for over 10 years, and this situation has significantly impacted my trust in the banks ability to protect my financial interests and resolve disputes effectively. I am seeking the intervention of the Consumer Protection Agency to ensure a fair and transparent resolution of this matter.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX has reported inaccurate information on my credit report showing my accounts payments are late in which is not true at all and Im very upset because their error caused my credit score to go down.

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 2024-03-19 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: TN

Complaint narrative:
I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am so sick and tired of my credit score dropping for no reason. I pay my credit cards in full every month every card I have are on auto payment. Equifax and XXXX XXXX are the 2 biggest offender of this problem.This same thing happened to me a few months ago and after contacting Consumer Financial Protection Bureau the problem was solved in days.Now that I am going to pick up a brand new XXXX XXXX XXXX XXXX  that I ordered and with my score dropping for no reason I will be forced into a higher percentage on my loan.This is total XXXX I am a fanatic on keeping my credit score in tip top shape.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

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 2024-03-19 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: TX

Complaint narrative:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

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 2024-03-19 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:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my 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 2024-03-19 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:
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: TN

Complaint narrative:
I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.

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 2024-03-19 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: NC

Complaint narrative:
REPORTING ME TO THE CREDIT BUREAU AS DELIQUENT FOR 120 DAYS. I SET UP MY ACCOUNT ON A IN HOUSE ON A PAYMENT PLAN. XXXX  WAS TRYING TO PULL THE MONEY FROM THE WRONG ACCOUNT, I CALL EVERY MONTH TO UP DATE MY ACCOUNT INFO BUT XXXX XXXX  KEEPS REPORTING ME TO THE BUREAUS AS DELIQUENT. IT WAS NOT EXPLAINED TO ME THAT IF YOU SET UP A PAYMENT PLAN, AND YOUR ACCOUNT WAS NOT UP TO DATE, THAT THEY WILL STILL BE REPORTED YOU LATE IF YOU OWED A BALANCE. IT HAS NOW BEEN RESOLVED, SO XXXX IS GOING TO UP DATE EVERYTHING ON THEIR END AND FILE A DISPUTE TO BRING ME CURRENT. I JUST NEED IT TO BE UPDATED ON ALL 3 BUREAUS.

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 2024-03-19 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: NC

Complaint narrative:
REPORTING ME TO THE CREDIT BUREAU AS DELIQUENT FOR 120 DAYS. I SET UP MY ACCOUNT ON A IN HOUSE ON A PAYMENT PLAN. XXXX  WAS TRYING TO PULL THE MONEY FROM THE WRONG ACCOUNT, I CALL EVERY MONTH TO UP DATE MY ACCOUNT INFO BUT XXXX XXXX  KEEPS REPORTING ME TO THE BUREAUS AS DELIQUENT. IT WAS NOT EXPLAINED TO ME THAT IF YOU SET UP A PAYMENT PLAN, AND YOUR ACCOUNT WAS NOT UP TO DATE, THAT THEY WILL STILL BE REPORTED YOU LATE IF YOU OWED A BALANCE. IT HAS NOW BEEN RESOLVED, SO XXXX IS GOING TO UP DATE EVERYTHING ON THEIR END AND FILE A DISPUTE TO BRING ME CURRENT. I JUST NEED IT TO BE UPDATED ON ALL 3 BUREAUS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: NC

Complaint narrative:
REPORTING ME TO THE CREDIT BUREAU AS DELIQUENT FOR 120 DAYS. I SET UP MY ACCOUNT ON A IN HOUSE ON A PAYMENT PLAN. XXXX  WAS TRYING TO PULL THE MONEY FROM THE WRONG ACCOUNT, I CALL EVERY MONTH TO UP DATE MY ACCOUNT INFO BUT XXXX XXXX  KEEPS REPORTING ME TO THE BUREAUS AS DELIQUENT. IT WAS NOT EXPLAINED TO ME THAT IF YOU SET UP A PAYMENT PLAN, AND YOUR ACCOUNT WAS NOT UP TO DATE, THAT THEY WILL STILL BE REPORTED YOU LATE IF YOU OWED A BALANCE. IT HAS NOW BEEN RESOLVED, SO XXXX IS GOING TO UP DATE EVERYTHING ON THEIR END AND FILE A DISPUTE TO BRING ME CURRENT. I JUST NEED IT TO BE UPDATED ON ALL 3 BUREAUS.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-19 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:
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I reached out to XXXX who is reporting this debt and I received no response. I I reached out to XXXX XX/XX/2024 and they immediately removed this account XX/XX/2024 understanding the severity of this issue. LVNV Funding has purchased this debt and it is an account that was opened due to fraud. So not only are they attempting to collect a debt that I was never notified about because they can simple show their certified mail receipt showing I was notified and received this debt in response to this. but this account is also fraud so they are violationg my rights by furnishing this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: NY

Complaint narrative:
Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

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 2024-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: PA

Complaint narrative:
My first bill for local taxes came before XX/XX/year>, and I called RoundPoint mortgage to verify that they had recieved the new bill, and was assured over the phone that it would be taken care of. On XX/XX/XXXX, I recieved a non payment reminder, which I forwarded to RoundPoint Mortgage over email, and recieved an automated reply that they recieved the email. On XX/XX/XXXX, I recieved a late notice, and forwarded that to RoundPoint Mortgage and requested a call back from the company to myself and the tax department. I recieved a call back and was ensured over the phone that it would be paid. On XXXX  XXXX I recieved a third notice from the tax claim bureau that the bill still has not been paid, and forwarded that to RoundPoint over email and recieved both a computer response that it was accepted, and a phone call saying again that they would pay the bill. 

It is currently XX/XX/XXXX and this time I recieved certified letter from the tax bureau saying that the bill is not paid, I forwarding this to them and reporting them to you as well to see if any oversight organization can help me on this matter.

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 2024-03-19 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I ran into a credit score problem with the XXXX XXXX, and I filed a complaint on XX/XX/2024 with CFPB. The problem was resolved. And my credit score was raised to XXXX with FIOC and XXXX. However, the score with Transunion did not improve. It actually dropped XXXX points from XXXX to XXXX. All through the process I had trouble with Transunion. When I had the problem with XXXX XXXX, I called the bank to figure out my interest rate, the next day my credit score decreased by XXXX point. It was done by Transunion. And then I always had problems understanding their reports. It was difficult to find any help with them. I thought the situation may improve with time, but it obviously just get worse. I still have problem to get a credit card. I'm banking with XXXX now, and they still won't give me a chance to get a loan. I just tried to get into Transunion to read their reports so I can write a better complaint here. But I couldn't get in. They want me to pay XXXX dollars to subscribe their credit monitoring program. I refuse to do so. I have read their reports at least three times, and each time I don't understand what they are talking about. I surely won't pay XXXX dollars to read something I don't understand. I just want to complain there is something wrong about their practice.

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 2024-03-19 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: MD

Complaint narrative:
I am writing to dispute the following information that appears on my XXXX consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Accounts incorrect that needs to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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