vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-22 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: FL

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX  - XXXX Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, FL, XXXX Incorrect XXXX - XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXXXXXX XXXX  - 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 2024-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-05-22 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:
Equifax claims to have verified this account XXXX XXXX with them but I contacted XXXX XXXX myself and asked for proof of this allege debt and they stated they have no sick proof and then requested I contact another agency. How is Equifax validating this account when the company itself is unable too. I have asked for validation and the verification method used by Equifax. This is my final attempt to resolve this issue then I request Equifax to pay the filing fee for arbitration as I would like to pursue my claim and recover damages you are causing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently viewed my credit report and found inquiries that I did not authorized nor have awareness of. The Bureaus are violating my rights according to the FCRA Law. Please help me have these inquiries deleted as soon as possible as this is hurting my credit score. 
XXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/2022 XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry 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 2024-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I contacted Nelnet to request that my payment date be moved from the XXXX of each month to the XXXX of each month beginning XX/XX/XXXX. I requested confirmation that my account would not be charged twice in XXXX by autodraft as a double draft in XXXX was not authorized. I was assured multiple times that I would only be charged once in XXXX on the XXXX. My account was debited by autopayment which posted to my bank account on XX/XX/XXXX. Although the payment was not authorized, I received a billing statement for XXXX ( by email on Saturday XX/XX/XXXX ) indicating that a payment was due and would be debited on XX/XX/XXXX. On XX/XX/XXXX, my account was debited a second time. Both debits covered an entire monthly payment in the amount of {$960.00}. I contacted Nelnet to reverse the unauthorized transfer and was told I would need to contact my bank to reverse the payment. I contacted my bank and was told Nelnet would need to reverse the payment on their end, but I initiated a claim for the unauthorized payment with my banking institution. I contacted Nelnet again and was told that nothing could be done and a refund would not be available as a remedy for at least 20 days, although the agent admitted that the second payment was not authorized. The servicer has essentially stated that it is entitled to hold onto a significant amount of money that it obtained without authorization and that I am without remedy or access to those funds for at least 20 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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:
Repeated failures to meet established deadlines and timelines for updates and reporting on the bureau 's handling of this investigation, most recently the unmet 30-day deadline stated in your previous memo.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: WI

Complaint narrative:
Given my consistent track record of meeting payment deadlines for this account without any delays, it's unjustifiable for me to face such issues. I kindly request the prompt updating of my account to accurately reflect this history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: DE

Complaint narrative:
Equifax has been reporting inaccurate information on my credit report. Please update each account correctly as I pointed out listed in my dispute letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: VA

Complaint narrative:
On XXXX XXXX I disputed a charge with Credit Karma for the amount of {$1700.00}. I have given them all my information that I payed for a service but the company did not give me a service. I disputed with another card company with the same issue on the same day charged to the same company and they realized the error and refunded me my cash. Every time I call credit karma I cant speak to an investigator they said they send me an email but I have no email.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: WI

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

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 2024-05-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CA

Complaint narrative:
IQ Data purchased a debt from XXXX XXXX XXXX. IQ data is adding interest to the debt every month illegally. IQ data and I do not have an agreement and IQ data does not have a signed agreement and refuses to furnish it to me. I do not owe IQ data any money nor do i have any agreement with them. They are illegally reporting on my credit report and illegally charging me interest every month. I moved out of XXXX under XXXX XXXX protections and also do not owe XXXX XXXX  money. Under XXXX XXXXXXXX protections my ability to rehouse should not become a problem and this is also making it a problem for me to rehouse. IQ Data is reporting illegally, adding money to a debt they purchased monthly and illegally reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: IL

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 explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
The Southwest Credit Systems Company is reporting the amount of {$220.00} on XX/XX/XXXX was bought to collections, in which the original creditor XXXX. This has been an ongoing issue since XX/XX/XXXX, for 5 years, I would like to get this issue resolved once and for all. At this moment I feel like I am being harassed by Southwest Credit Systems. 

According to : 15 U.S. Code 1681s-2- Responsibilities of furnishes of information to consumer reporting agencies a. Duty Of Furnishers Of Information To Provide Accurate Information ( 1 ) Prohibition A. Reporting information with actual knowledge of errors 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. 

Duty : a moral or legal obligation, a responsibility Accurate : correct in all details, exact Prohibition : a law or regulation forbidding something I ask of you to have THIS ACCOUNT DELETED FROM MY CONSUMER REPORTS within 10 Calendar Days! Thank You!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: CO

Complaint narrative:
The modifications to credit reports in XXXX of XXXX were a direct result of a lawsuit settlement against the three major credit bureaus XXXX, XXXX, and TransUnion. This settlement resulted in the creation of the XXXX XXXX XXXX XXXX ( XXXX ). 

XXXX mandated that the three credit bureaus could only report public records, i.e., bankruptcies, civil judgments, and tax liens, if sufficient PII ( personally identifiable information ) existed on the record and if the records were updated at least every XXXX  days. PII includes name, date of birth, social security number, and address. 

XXXX XXXX XXXX is reporting a judgment from a XXXX obtained in XXXX  on our credit reports, and the credit bureaus are all reporting this judgment. While it does not say " judgment '' on the credit report, XXXX XXXX XXXX was the attorney in charge of not only securing the judgment but also the collection agency. 

Despite collecting consumer debt and reporting to consumer credit portfolios, they are not licensed to collect debts in the state of California. 

The civil judgment in question is a public record that only has XXXX of the XXXX PII required to report on our credit bureau report, as such it must removed according to the XXXX settlement. 

Furthermore, the entry is incorrect because it indicates the original creditor is XXXX XXXX XXXX. This is incorrect, as the person we rented the house from was an owner, not a property management company and the property management company has not right to collect the debt.

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 2024-05-22 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: IL

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX The claim according to your records is still being worked on ; however, Bank of America or a fraud keeps calling me, they have never called me in the past. I receive a letter by mail at my home address or you notify me by email. According to your email they ( Bank of America ) are working on the issue. 
I do not understand why they keep contacting me and leaving phony extensions because nothing is resolved until Justice is done. 
These individuals hacked my computer and used a scam to take {$950.00} from my account and are still trying to gain access to my finances. I am no longer distraught like I was on XX/XX/2022. Now I can recall everything the individual I saw that night ( my neighbor down the street XXXX who resides at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ). XXXX who works with my nephew ( XXXX XXXX @ XXXX ) and the constant harassing noise in the background of the callers. Plus, the two ladies who supposedly represented XXXX XXXX XXXX ( sent to my house as a joke ). Then XXXX. XXXX XXXX telling me I am not the only one who has been scammed and some foreigner could have done it. However, the scammer followed me to XXXX and fully controlled my cell phone, house phone, and computers. They answered the questions for Bank of America because I was helpless. Then, when I tried to leave my battery was disconnected. And I had to use XXXX XXXX. The police department did not even try to verify anything because it was a foreigner. Later, every time I looked around, I was told I had money in the bank ( I wonder how the foreigner knew that? ) Also, I need to be careful of the websites I visit even if they are legit. Now, Bank of America is calling me about an issue they are still working on. Nothing is resolved until " Justice ' is served on these people when the time is right. Bank of America will never refund me because of the red tape involved A. I just want them to know I am not distraught anymore but I remember everything now and who was physically in my presence and the background voices. Also, the motive behind everything to be proven?

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 2024-05-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Maury Cobb, Attorney at Law, LLC
State: KY

Complaint narrative:
I spoke with a representative on XX/XX/year> at Maury Cobb law firm regarding this debt. They could not provide adequate information about the debt. I had called to offer a settlement amount even though I didn't feel the debt was valid. I inquired as to whether this was for equipment and was told no it was for monthly service. I explained that it couldn't be for outstanding monthly service because I only had internet service with the original company and because XXXX XXXX XXXX XXXX, and I have to have internet service. I also relayed that I had returned equipment to the provider as well. Was told to contact the original creditor/ service provider. I did so and was told they couldn't even access the debt to tell me anything about it. 
I called Maury Cobb law firm back and told them that I don't believe this is a valid debt and that they had purchased this debt. They denied purchasing the debt and refused look into it further.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent. 

PLEASE BLOCKED AND

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 2024-05-22 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:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent. 

PLEASE BLOCKED AND

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 2024-05-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: KY

Complaint narrative:
I have informed the company multiple times not to call me and have told them to mark my account with a do not call. They continue to call my and the last time I told them if they did not mark my account as do not call and called me again I would be contacting the CFPB. The most recent call was today XX/XX/2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: MI

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I received a credit rejection letter from Chase Bank ( XXXX XXXX XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) claiming that I applied for credit on XX/XX/2024. I did not apply for credit, and called on XX/XX/2024. I was routed to a XXXX who said he could not locate any record on their end and that I would have to fax a copy of my credit report showing the hard inquiry before they could help me. I got a copy of my credit report, but did not have handy access to a fax machine. 
XX/XX/2024 I received an alert from XXXX that there was another hard inquiry on my account. And again, it is JPMCB CARD SERVICES who reviewed my credit. And again, I did not apply for credit. 

I request your assistance resolving these improper hard inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
In early 2023 I signed up for an American Express Sky Miles XXXX card that included a bonus of XXXX Sky Miles. I met the required spending criteria and was never credited with the miles. After many, many conversations with them they have never been able to provide a coherent explanation of what the problem may be. I am at my wits end and would either like the miles credited to me or my card cancelled, my membership fees refunded and the points I earned applied to my other American Express XXXX  card. I received no value for the XXXX card and simply want to be made whole.

Company response to consumer: Closed with monetary relief