vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-06 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: FL

Complaint narrative:
Basis for dispute : Account Name : XXXX XXXX / Account XXXX : XXXX **Inaccuracy of information. The Account information reported is incorrect. 
Date of Last Activity : Different dates : XX/XX/XXXX ( Transunion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ). Date Opened : TransUnion shows XX/XX/XXXX and XXXX and XXXX show XX/XX/XXXX, Closed date : Only reported for Transunion and Two-Year Payment History : Significant discrepancies in payment history. The inclusion of this erroneous information is causing significant and unjustified harm to my credit history.

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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-06 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-09-06 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 need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Theres an unfamiliar account on my credit report that isn't mine, and I suspect it might be linked to identity theft or fraudulent activity.

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 2024-09-06 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: TN

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] 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. Please remove the following items from my credit report, immediately : 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 2024-09-06 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: TN

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] 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. Please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 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: TX

Complaint narrative:
I am writing to address the ongoing issue of fraudulent, inaccurate, and misleading information on my consumer report that persists despite my repeated efforts to resolve it. The presence of these unauthorized items has significantly impacted my life, causing substantial stress and XXXX  I must emphasize that I never authorized or consented to the association of this information with my name, as I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-06 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Bridge IT, Inc.
State: AZ

Complaint narrative:
Brigit has been extorting my credit, since I decided to cancel membership, around XXXX of 2022. They report to credit that I negative miss payments for membership of account I haven't had since 2022. I have contacted them several times just to get laughed at and told to make my late payment so they can report that to the credit company. They have shot down 6 disputes through XXXX  credit saying they proved I gave then the info and authority to continue the account. But the account was closed 2022, THE BRIGIT TEAM TOLD ME IT WILL HAVE NEGATIVE AFFECT ON MY CREDIT IF I CANCEL MEMBERSHIP. They definitely wasn't lieing ; cause they have been reporting bogus reports since sometime in 2022. Now my credit is so bad from the bogus membership that Brigit claims I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-09-06 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-09-06 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: GA

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 2024-09-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
XXXX XXXX and Diversified ADJ SERV creditors will not dispute the problem and account. I have no knowledge of the account which was opened with my identity I have XXXX XXXX in XX/XX/2023 I never had a XXXX account in XX/XX/2023. The creditors and XXXX computer refuse to dispute this problem or remove the account from my credit report. I have contacted the company number times and I have disputed the company through other credit monitoring companys. Yet although nothing has been resolved. I do not owe XXXX XXXX or Diversified Adj Serve  collection agency nothing. The account does kit belong to me I would like to know which phone and phone number was used and if we can do an investigation into the matter about the IP addresses and why is the bill supposedly {$780.00} is what is an open balance I have no knowledge of the account it does not belong to me. If possible can we investigate what are the subscription on the account and bill charges amounting in {$780.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: CA

Complaint narrative:
Subject : Cease and Desist Notification and Refusal to Pay Alleged Debt Accounts Ending in XXXX and XXXX Dear Velocity Investments LLC, I am writing to formally notify you that I am refusing to pay the alleged debt related to the following accounts : XXXX XXXX  Account ending in XXXX ( XX/XX/year>XXXX XXXX XXXX XXXX Account ending in XXXX Under 15 U.S.C. 1692c, I am exercising my right to request that you cease any and all forms of communication with me regarding these alleged debts. This includes, but is not limited to, communication via phone, email, post cards, and any other mediums. Additionally, you are to immediately cease reporting these accounts on my consumer report. 

I expect these accounts to be removed from my credit report without delay. Please provide written confirmation that all communication will cease and that the accounts in question will be removed from my consumer report. 

Failure to comply with this request will result in further legal action to protect my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Thank you for your immediate attention to 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 2024-09-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have an online savings account with BMO. I needed to transfer a large amount of my savings to another bank ( XXXX ) to put down a deposit to purchase an apartment. I looked up my transfer limits and learned that I have a XXXX XXXXXXXX daily transfer limit and a XXXX XXXX monthly transfer limit. So I made a XXXX XXXXXXXX transfer on XXXX XXXX and tried to make a second transfer for the balance ( XXXX XXXXXXXX ) on XXXX XXXX. The app would not allow me to make the second transfer because I had hit my limit. 

I figured it must not have been XXXX hours yet, even though it was the next calendar day, so I scheduled the transfer for XXXX XXXX instead. The app accepted the transfer request, but the next day ( XXXX XXXX ) I got an email saying that the transfer had been canceled because it was over my limit. 

I called customer service and explained that I had not reached my daily or monthly limits and could they fix it. The person I first spoke to said she couldn't and I should call back later and speak to the resolutions team, which I did. The resolutions team also could not fix the problem. 

They said the problem is that since XXXX transfers -- the only kind of transfer offered -- take 3 business days, I would not be able to initiate another ACH transfer until the first transfer was complete, at which point it would take another 3 business days. 

The customer service rep tried to arrange a wire transfer or emergency wire transfer for me instead, but was unable to do so because I do not live near a branch. 

It seems to me significantly misleading to describe a limit as " daily '' when in fact the limit is for every 4 days. While the customer service rep described the situation as rare, I am far from the only bank customer to engage in time-sensitive transactions.

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 2024-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
XXXX XXXX # XXXX XXXX GA XX/XX/2024 {$210.00} XXXX XXXX XXXX XXXX  XXXX XXXX FL XX/XX/2024 $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XX/XX/2024 {$52.00} XXXX XXXX XXXX XXXX FL XX/XX/2024 {$11.00} my card got stolen i live in va i called citi bank to report fraud and one of customer service put incorrectly that card in my possession i called again after they denied the claim that there phone call should be recorded and they should listen to the call and fix and credit my account as i didnt have the card on me it was stolen

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 2024-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Brown and Joseph, Ltd
State: MI

Complaint narrative:
Received letter from Brown & Joseph LLC as debt collector of debt owed from XXXX XXXX XXXX for {$35.00} as of XX/XX/XXXX. Reference # XXXX Brown & Joseph only offered phone XXXX or www.brownandjoseph.com as contacts On XX/XX/XXXX - I accessed the website and sent an email via contact on website. 
On XX/XX/XXXX - after not receiving any information, I called at XXXX XXXX, and was rudely treated and told they have no details and I needed to call XXXX XXXX XXXX  directly. -- - How is that? They are trying to collect a debt they have no information on -- Bogus company? 
On XX/XX/XXXX - ~noon est I called XXXX XXXX XXXX - Customer Service with number provided by Brown & Joseph XXXX XXXX XXXX and was told there is no outstanding balance. My last charge was XX/XX/XXXX and charged via credit card and paid. 
She did say I could follow up with Oriental accounting dept via email -- I will not be doing that. 
On XX/XX/XXXX - Immediately following my call with XXXX XXXX XXXX, I called back to Brown & Joseph, the call was answered but open line with people laughing and some swearing in the background before someone actually addressed me on the line. Then rudely had me wait as they 'looked ' up the account again. I hung up. I believe this is a bogus, 'store front ' to see who will send money. 
I don't know if someone internal to XXXX XXXXBrown & Joseph have a scam going on but I will not be communicating with either anymore.

Company response to consumer: Closed with explanation