vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-13 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: NV

Complaint narrative:
DEAR, TRANSUNION XXXX, AND PULL MY CREDIT REPORTJUST TOCHECK MY XXXX THEN REALIZED. I HAVE BEEN A VICTIM OF DENTITY THEFT... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXXXXXX XXXX XXXXXXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXXXXXX XXXX XXXXXXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX CONSERVE IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXX XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/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 2024-07-13 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
ok so i came home from school back in 2020 my wallet with all my identity was lost at the airport every since then i have been unable to open any bank accounts chase claimed i had a bank with them which i didnt same with XXXX XXXX  and XXXX  XXXX XXXX the only ones that are accurate is XXXX  XXXX XXXX XXXX and XXXX XXXX someone has been using my stuff to open accounts and getting them charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
My credit card company did same balance transfer twice which I never intended nor asked for. So, they charged me the transfer fee twice ( {$200.00} each ). Here are the details. 
XX/XX/XXXX : I applied for a Barclays JetBlue credit online with the intention of a one-time balance transfer of {$4000.00} from my existing XXXX credit card to this new card. I was asked about the details of the balance transfer which I provided promptly. I was told the transfer fee would be {$200.00} which I agreed to. 
XX/XX/XXXX : I acquired the new card online with a credit limit of {$6000.00}. I was asked again about the balance transfer which I provided. 
XX/XX/XXXX : I see two transactions of the same amount {$4000.00} posted in my account. There were two transfer fees of {$200.00} as well. I am stunned. 
XX/XX/XXXX : I called the JetBlue card care, they said they can't cancel it now and I should contact the XXXX credit card department. The XXXX department informs me that they are yet to receive any payment. 
XX/XX/XXXX : I saw both the payments posted in the XXXX account. I called them and they informed me that they can not cancel the payment. 
XX/XX/XXXX : I called the JetBlue department again. They said 1 ) they can't cancel the duplicate transaction, 2 ) they can't even raise a dispute, and 3 ) they can't initiate an inspection only put a note. When I asked them to file a complaint and give me case number, they initially refused. Then, I said I need that for my future steps. They provide me with one but said it is not a dispute complaint nor there is any guarantee that the matter will be resolved. 
I believe the Barclays JetBlue company was not transparent ( or did not provide me indications ) that I am putting in request for duplicate transactions. This is a clear misconduct from their part.

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 2024-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-07-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Healthcare Finance Direct LLC.
State: MO

Complaint narrative:
Health Care Finance Direct has committed fraud against me as a consumer as follows : This company has provided false information of material facts to ensure payments.

They violated HIPPA law by financing my treatment through a third party.

HIPPA Law is threatened to be violated by sharing my sensitive medical information to a third party without debt verification.

Health Care Finance Direct is over billing me outside of services that were provided because, due to my health insurance being provided to first party vendor XXXX XXXX XXXX. 

The inadequate bankrupt company also mislead me by ensuring that my federal dental insurance covered the cost of my treatment. 

My treatment was never completed, and I did not receive everything needed, though I was surprisingly financed for it.

Health Care Direct Finance Company is telling me to reach out to Smile Direct Club ; but they know the company went bankrupt.

Heath Care Direct Finance Company is now billing me and threatening to sale my information to another third-party debt collector which is illegal because as a consumer I do not agree to that, and the debt has NOT been validated.

Health Care Finance Direct is causing me pain and suffering, due to the stress of threats though email, constantly attempting to charge my credit card for fraudulent charges. 

I am being billed for services not provided and unfinished treatment THAT I NEVER RECIEVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: CA

Complaint narrative:
XXXX and Experian refuse to remove a 90 day late that was placed on my credit report by XXXX XXXX XXXX. The report shows CURRENT TERMS MET all months until XXXX which abruptly becomes 90 days late. Then in XXXX it indicates CLOSED because I paid it off. 
Prior to my dispute, the report showed a 90 day late in XXXX and XXXX with CURRENT TERMS MET in all prior months. They modified the report by removing the 90 day in XXXX but kept the 90 day in XXXX, all other months are CURRENT. 

How could I have a 90 day late in XXXX when I paid it off ( in full ) XX/XX/XXXX? The account was posted as 90 day late XX/XX/XXXX. They did correct that but refuse to remove the 90 day in XXXX. Again how could the account go from CURRENT to 90 days late in one month? XXXX corrected this but the other two bureaus have not. 

The irony of this situation is the account was actually paid in full 2 years prior through a XXXX  XXXX XXXX due to hardship when two family members became terminally ill and I had to leave my job to care for them. I sold my home to pay off the XXXX at 100 % which included the XXXX student loan. Months after the BK was discharged and the debt had been paid in full, XXXX loan contacts me stating I owe an additional XXXX. I have no idea why they added this after they were paid in full through the 100 % pay back. I made arrangements to pay them in full as soon as I received funds I was expecting which I did on XX/XX/2024. Then a week after paying them, they added 90 days to both XXXX and XXXX. 

I disputed and XXXX and XXXX both refused to remove after. I disputed again and they removed XXXX 90 day but not 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 2024-07-13 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: CA

Complaint narrative:
Transunion and XXXX refuse to remove a 90 day late that was placed on my credit report by XXXX XXXX XXXX. The report shows CURRENT TERMS MET all months until XXXX which abruptly becomes 90 days late. Then in XXXX it indicates CLOSED because I paid it off. 
Prior to my dispute, the report showed a 90 day late in XXXX and XXXX with CURRENT TERMS MET in all prior months. They modified the report by removing the 90 day in XXXX but kept the 90 day in XXXX, all other months are CURRENT. 

How could I have a 90 day late in XXXX when I paid it off ( in full ) XX/XX/XXXX? The account was posted as 90 day late XX/XX/XXXX. They did correct that but refuse to remove the 90 day in XXXX. Again how could the account go from CURRENT to 90 days late in one month? XXXX corrected this but the other two bureaus have not. 

The irony of this situation is the account was actually paid in full 2 years prior through a XXXX XXXX BK due to hardship when two family members became XXXX ill and I had to leave my job to care for them. I sold my home to pay off the BK at XXXX XXXX which included the XXXX XXXX XXXX. Months after the BK was discharged and the debt had been paid in full, XXXX XXXX contacts me stating I owe an additional XXXX. I have no idea why they added this after they were paid in full through the XXXX XXXX pay back. I made arrangements to pay them in full as soon as I received funds I was expecting which I did on XX/XX/2024. Then a week after paying them, they added 90 days to both XXXX and XXXX. 

I disputed and Tu and XXXX both refused to remove after. I disputed again and they removed XXXX 90 day but not 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 2024-07-13 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: NV

Complaint narrative:
DEAR, EQUIFAXIWOKEUPTUESDAY, AND PULL MY CREDIT REPORTJUST TOCHECK MY XXXX THEN REALIZED. I HAVE BEEN A VICTIM OF DENTITY THEFT... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXXXXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXXXXXX XXXX XXXXXXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXXXXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX CONSERVE IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc.
State: MI

Complaint narrative:
Yesterday, XX/XX/XXXX, I received a CashApp Debit Visa card that was ready to be activated. I do not have a CashApp account or card, I have zero affiliations with the company. Yet, this card has my name and address. 

I contacted CashApp support but was greeted with skepticism because it took over an hour to get a human-being on the line, and the phone number callback I received was being reported as Spam. After doing some research, there have been cases of fake numbers and people pretending to be CashApp support. I went through their official support line but I do not feel secure about it. They asked redundant questions over and over, and I had to respond to their email support with the same information I provided during the call. Not to mention I don't know how much I can trust the poor formatting and generic email I received. 

I am attempting to close this card, but I am unsure on the individual who tried to open an account with my info. I don't know how much info they have access too. I checked all my bank accounts and I am not seeing any suspicious activities yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Servatus Corporation
State: NY

Complaint narrative:
On XX/XX/XXXX, I missed a call from Credit Solutions Corp and I was curious as per who was calling me as caller ID flagged as suspected spam. Naturally, I called back to find out who was calling me. The agent told me that he was calling in regards to an XXXX account in collections. I was confused, I told him that I already paid the debt off over two years ago. The agent was very certain that I owed this debt to his company. After I explained a couple times that I already paid the original creditor of the account in full the amount in question. He was very adamant about me paying another company did not resolve this debt. I told him that I resolved the debt with the original creditor. He told me that it was not his companies responsibility to communicate with the original creditors and status of the account. That even though I had paid and resolved the debt over 2 years ago, I am still getting harassment from collectors saying that I still owe them. After being talked down to the point where the agent said I don't think you know what you are saying. I called the XXXX  to see why I am still gettting debt collections calls on a matter that was already resolved. They looked into it and confirmed the balance was resolved back in XX/XX/XXXX. On XX/XX/XXXX, I called back and they verified that the balance was in fact not owed, and the agent didn't apologize for contacting me when there was absolutely no need.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are accounts and debt collections on my credit reports that has someone else name on it and it's not me. My name XXXX XXXX XXXX, XXXX XXXX XXXX. Which I have proof of. There are debt collections and accounts the use the name XXXX XXXX XXXX XXXX. This inaccurate information is affecting my ability to obtain a health credit report. Please I ask you to investigate this matter and have all debts collections and accounts associated with the wrong information to be remove immediately. Please have the credit reports send me updated reports on this matter. Under the Fair Credit Reporting Act, the credit reporting agencies much only furnish accuracy information.

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 2024-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-07-13 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: NJ

Complaint narrative:
I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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: TX

Complaint narrative:
DEAR, TRANSUNION I WOKE UP WEDNESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF A CRIME... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXXXXXX XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX OFFICE OF THE ATTY GENER IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/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