vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-18 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: AZ

Complaint narrative:
According to FCRA 605B, incorrect accounts must be removed from my credit report. This entry is incorrectly reported, and I request its removal. I should be compensated {$1000.00} for every error on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: AZ

Complaint narrative:
I ensure that I always pay on time, and I'm certain of this fact. What I don't understand is why this company is reporting late payments for certain months. Per USC 1666b, billing errors need to be corrected, or they owe me {$1000.00} for each inaccurately reported account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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: MS

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please take urgent action to remove the fraudulent ACCOUNTS from my credit report, as they were not authorized by me and are causing me significant distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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: MI

Complaint narrative:
I contacted your company to convey my objection regarding certain details in my credit report. Attached to this correspondence is a duplicate of my initial communication. However, I haven't received a response from your company regarding my dispute, which now requires either an amendment or removal of the contested entries from my credit history. 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 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 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 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 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 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 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 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 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 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 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ccording to FCRA 605B, any incorrect accounts must be removed from my credit report. This account is being reported incorrectly, so please delete it from my credit file. I am entitled to {$1000.00} for each incorrect report on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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: FL

Complaint narrative:
Under FCRA 605B, it's required to remove any inaccurate accounts from my credit report. This account has been reported inaccurately, and I request its removal. I should receive {$1000.00} for each erroneous report on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
I have sent this company a cease and desist. This company has refused to adhere to the federal guidelines by ignoring my request in my attempts to resolve this matter. This company has also been found to impose as a collection agency when it is listed that this company is not legally bonded and or insured to collect in the state of Alabama. Please have this company cease all collection activities, this is my last attempt to complain outside of court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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: IL

Complaint narrative:
According to FCRA 605B, any incorrect accounts must be removed from my credit report. This account is being reported incorrectly, so please delete it from my credit file. I am entitled to {$1000.00} for each incorrect report on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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: MS

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please take urgent action to remove the fraudulent ACCOUNTS from my credit report, as they were not authorized by me and are causing me significant distress.

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 2024-05-18 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: MS

Complaint narrative:
I kindly request the immediate removal of this inquiry from my credit report, as it is not associated with me, and I have no affiliation with the involved creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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.

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5700.00} XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$0.00} 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 2024-05-18 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.

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5700.00} XXXX XXXX XXXX XXXX : {$4300.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Company XXXX has received disputes regarding 2 accounts reported to the consumer report. XXXX has provided the nature of the purchases and the amounts per each transaction. XXXX has indicated on prior Calls in the months of XXXXXXXX XXXX, that the accounts were both charged off. When advised for proof of the charge off documents the company has not corresponded in providing the information.XXXX  advised the accounts were sold to a third party collection agency named ; XXXX. After speaking with several representatives from XXXX the company provided on XXXX XXXX that the company received an email and submitted a cease and desist letter for the accounts to stop all collection and advised the information was forwarded over to XXXX. XXXX has inaccurately furnished the report for several months all without stating to mention the collection agency they allege has the accounts in fact do not report to the collection agencies. I have attached all information pursuant to the conversations with several representatives from XXXX. I will like to advise XXXX has never been reported as the collection agency reporting on my credit report. XXXX has furnished the report inaccurately verifying false information reporting to the consumer report acting as if their is still an account with them. All parties pursuant to this dispute are responsible for the inaccuracy. This is and is not going unnoticed. As indicated I have attached information pursuant to the dispute and request all parties to fix these errors.I have disputed the inaccuracy of the information with the reporting agency Experian on several occasions sending proof of the same information attached. I am requesting all errors be corrected.

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 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
$ XXXX was never the amount owed. Our bank handled this dispute over XXXX years ago but its reported on the charge off date rather than the dispute date. It should have fallen off credit report and still affects our credit score. Never used this card and have travelled for over XXXX times with XXXX XXXX XXXX. Please remove from Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Unlimited Progress Corp
State: IL

Complaint narrative:
Creditors discount & audit Co. has relentlessly called and emailed me. I have talked to them multiple times, have a payment plan scheduled- through XX/XX/2024, and they have my card on file. I have still been receiving non stop phone calls from them, at least 2-5 a day. They leave voicemails saying to call them back, and they have also called my work ( which I am no longer employed at ) multiple times. I have asked that they stop calling my work, they have not. I have asked them to stop calling me. They have not. I have done everything they have asked and have emails proving I have a payment plan set up. I have kindly asked them to stop harassing me as I have already set up a payment plan through the end of the year, AND they have my card on file. I jXXXX XXXX XXXX XXXX XXXX XXXX XXXX, these are medical bills that are being payed on and have been for months now. The only reason they went to collections to begin with is because I was XXXX XXXX ( XXXX XXXX XXXX ), and had a hard time catching up financially once going back to work. I immediately contacted them when I was in an ok spot financially and have been treated as if Im some pathetic person not paying my bills. Again, I would like to reiterate that these are medical bills from the birth of my son, who turned one a few WEEKS ago. And these harassing calls started around XX/XX/2024. I was on XXXX XXXX for 12 weeks ( 3 months ). So after only being back to work for 6 months, the harassment started. I will attach every email and voicemail necessary. This is a scary level of harassment and the mental toll this is taking on me as a new mom is continuing to get worse. I can only imagine how many other struggling XXXX XXXX have been put through this from them. Shame on them. As if new mothers arent going through enough mentally, physically, financially. This should not be allowed and I hope they are as embarrassed as they made me, in my XXXX XXXX, getting phone calls from them AT MY JOB. I was trying to get my life back to normal and my finances back in order. While already dealing with the guilt of being away from my infant. Do better.

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 2024-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Omnipoint Capital
State: FL

Complaint narrative:
The company keeps calling my cellphone and home phone at least oncea day, despite me telling them they have the wrong number. I am fully aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ), Omnipoint has blatantly disregarded these regulations by engaging in relentless and unwarranted communication tactics. I believe that Omnipoint 's actions constitute a clear violation of my rights under the FDCPA, which prohibits debt collectors from engaging in abusive, deceptive, or unfair practices. Their relentless pursuit of contact despite my explicit instructions demonstrates a blatant disregard for the law and a lack of respect for consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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:
I REVIEWED MY CONSUMER REPORTS AND NOTICED THAT I HAD ONE LATE PAYMENT ON AN ACCOUNT THAT I WAS NEVER LATE FOR CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSABILITY TO REPORT CONSUMER INFORMACION TO THE BEST OF THEIR ABILITY WITH MAXIMUM ACCURARY. I HAVE NEVER BEEN LATE ON PAYMENT FOR THE ACCOUNT : XXXX XXXX XXXXXXXX XXXX, PLEASE INVESTIGATE AND PROVIDE PROOF WITH STATEMENT SHOWING THAT THESE PAYMENTS WERE LATE, IF PROOF CAN NOT BE PROVIDED, I DEMAND THESE PAYMENTS BE UPDATE TO ON TIME AS THEY SHOULD BE AS I WAS NEVER LATE. THANKS.

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 2024-05-18 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: OH

Complaint narrative:
To whom it may concern : I, XXXX XXXX XXXX has never done business with the accounts listed below. These account are being reported to my credit report ( all three ) an i cant even buy a car. I have tried to contact them and i get no where. I have all the details about the account that is being reported to my credit, but again I never done business with any of these account, so I don't have all the details. 

XXXX ) XXXX XXXX XXXX {$3300.00} XXXX ) XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX  {$1700.00}

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 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
FCRA 605B mandates the removal of incorrect accounts from my credit report. This account is inaccurately reported, so please eliminate it from my credit file. I am owed {$1000.00} for every incorrect entry on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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:
FCRA 605B mandates the removal of incorrect accounts from my credit report. This account is inaccurately reported, so please eliminate it from my credit file. I am owed {$1000.00} for every incorrect entry on 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 2024-05-18 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I purchased fuel at Walmart on XX/XX/XXXX totaling {$70.00}. I also did a curbside pick up of groceries on the same day for {$58.00}. Those charges are legitimate. I have an unauthorized charge of {$76.00} on XX/XX/XXXX, also from Walmart.

I called WalMart to inquire about the {$76.00} charge and they told me it would take 30 days to responsed. The Walmart rep explained a " 10 day hold '' is always placed on the card due to possible adjustmens for grocery orders, which I understand. I have heard nothing further. I called Synchrony bank the same day. 30 days passed and I didnt get any response so I called Synchrony bank again on XXXX only to find out the dispute was closed, but I was never notified. I spoke to a third Synchrony rep after I received an email the next day on XX/XX/XXXX that my dispute was closed again. The third rep advised I had to send screenshots from my phone from my WalMart account. I dont understand why an unauthorized charge, of which I have no paperwork to submit isn't being adjusted. It's been 30+ 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 monetary relief
Consumer complaint received 2024-05-18 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: FL

Complaint narrative:
I was reviewing my credit report and noticed some charged off accounts and collections account also quite a few hard inquiries. According to the FCRA 15 USC and 1681b this company is violating my consumer rights. Charge off accounts : XXXX acct : XXXX, XXXX  XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX acct : XXXX XXXX XXXX, vehicle XXXX XXXX, XXXX XXXX Also hard inquiries that are not mines XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
Midland Credit Management, I presumed, represents credit card companies from XXXX XXXX XXXX, XXXX, and XXXX. 
They issued credit cards to my ex-wife, XXXX XXXX, and I received daily phone calls from Midland Credit Management demanding I pay a debt I do not owe.

Company response to consumer: Closed with non-monetary relief