vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-04 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following date of XX/XX/year>. I am now requesting that you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-06-04 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following date of XX/XX/year>. I am now requesting that you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
they have an incorrect name on my credit report and i have asked them multiple times to remove it and they still havent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
XXXX a credit card was opened under my name at roughly XXXX. At XXXXXXXX XXXX  this was noticed by me and Chase credit card services were notified. The account was said to be closed by them but no further information was able to be given by chase credit card services. The account is still open under my name XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: IL

Complaint narrative:
I am a victim of identity theft the information listed below, which appears on my credit report that does not relate to any transactions that I have made is the result of identity theft. Please delete.

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 2024-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 2024-06-04 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: NY

Complaint narrative:
Charged a total of {$250.00} to my PayPal card to pay for a seller 's item on XXXX. 
The item was not as described and not authentic, a total fraud. 
I opened a case with XXXX to return the item and get a refund. 
XXXX sided with me and a return label was sent to my email. 
In the interim I contacted PayPal to let them know what happened, which i thought was the right thing to do. 
When XXXX learned of this, XXXX closed my case. I could not return the item and did not get a refund. 
XXXX said I had to take the matter up with PayPal, which I did. 
XXXX declined the refund saying they sided with XXXX you had canceled the refund. 
But, XXXX had already accepted the item for return and a refund. 
So XXXX sides with XXXX and will not refund the money but, XXXX had authorized a refund. 
I am entitled to a refund. Having both XXXX and PayPal declining to do so is not acceptable.

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 2024-06-04 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: AL

Complaint narrative:
I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting. 
15 U.S. Code 1681i. Procedure in case of disputed accuracy ; ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 1 ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( XXXX  XXXX XXXX ), you XXXX be liable for your willful non-compliance if the validation of debt request isn't completed. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Please have the creditor provide the validation documents to the CFPB as well as certified mail to me. It's extremely important that the creditor provide the documents to CFPB to ensure fairness and that they are not brushing me off. Thank you for your assistance.

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 2024-06-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: AL

Complaint narrative:
On XX/XX/year> I requested information from this company on who they are. I was told on the phone there was no file with my name on it and the gentleman on the phone said that it probably was an accident. On XX/XX/XXXX I filed a report for unauthorized activity on my credit report. I asked it be removed due to the 15 USC CODE 1681 I was required to get a fair check on this and wasnt this dispute has been pending for over 60 days with no response from the company as an open dispute. I will be seeking litigation and correct compensation from whoever this company if this doesnt get deleted asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: CA

Complaint narrative:
As far as I know by the laws and regulations, any and all others are inaccurate and outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate only name and address that should be reported on my consumer profile are the ones listed above and in the documents attached to this letter. Again, anything else should be deleted ASAP from my credit file. 

Please Delete immediately! this items listed below as it is inaccrate and mistakes such as these can cost me thousands of dollars in interest a year! 

Here are the items that I need to have fully verified as being 100 % accurate and delete immediately :

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 2024-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MD

Complaint narrative:
I never authorized my medical information to be released to this debt collector. Because the medical account is private information that should not be reported on this account because you're violating my privacy. This is a clear XXXX violation due to its failure to comply with any aspect of XXXX standards and provisions detailed in XXXX XXXX Parts XXXX, XXXX, and XXXX. I demand this account be deleted from my credit report immediately.

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 2024-06-04 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: TX

Complaint narrative:
XX/XX/year>. My student loans were forgiven for Total and permanent XXXX discharge. Ive sent dispute letters to credit bureau. Ive called and they tell me it could take a year to be removed from my credit report. I am trying to buy a home but this will hinder my results. Please help!

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was not provided with the results of my dispute of these accounts that I sent over 45 days ago. To my understanding, I must received dispute results within 45 days after credit bureaus receive my dispute. This did not occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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 just looked at my credit report, which made me quite depressed since I discovered items that your agency didn't double check to make sure were accurate, erroneous, and dubious. 

Everything on my credit report needs to be 100 % correct in order to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681e ( b ) and 15 U.S. These accounts violate Code 1681i ( 5 ), which prohibits reporting that is not entirely accurate. Copies of all the letters are attached below.

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 2024-06-04 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: TX

Complaint narrative:
I just looked at my credit report, which made me quite depressed since I discovered items that your agency didn't double check to make sure were accurate, erroneous, and dubious. 

Everything on my credit report needs to be 100 % correct in order to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681e ( b ) and 15 U.S. These accounts violate Code 1681i ( 5 ), which prohibits reporting that is not entirely accurate. Copies of all the letters are attached below.

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 2024-06-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
I am experiencing an issue with Alliant Credit Union regarding the transfer of my solar loan. According to my " Solar Energy System Long-Term Loan Agreement and Promissory Note, '' there is a provision that allows for the transfer of the loan to a purchaser of my residence, subject to lender approval. However, Alliant Credit Union, through XXXX XXXX, has refused to allow the transfer, even thought the new purchaser is eligible for the loan, stating that they do not allow any transfers of solar loans. This response contradicts the terms specified in the loan agreement, and no specific reason or criteria for the refusal were provided. I am seeking assistance in resolving this matter to ensure that the lender adheres to the agreed terms of the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: MD

Complaint narrative:
I reviewed a copy of my Credit Report and saw that there was a Fraudulent Collection Account reporting on my XXXX and Equifax Credit reports. This Collection account is being reported by XXXX XXXX XXXX in the amount of {$1600.00}. I filed an FTC Identity Theft Report in which I attached to this CFPB Report. 

XXXX XXXX XXXX Account Opened on XX/XX/2024 Amount : {$1600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I bought items that were returnes but the processing of the return failed for an unknown reason so i was advised to get my bank to refund it. Then now the bank has just stalled and stalled and it only takes a moment to see the error in the account ab that im owed it on the original purchase. I know there is no reason to wait months to check into it. I feel they wont help me. 
I had deposited XXXX last month aswell and was told the hold would be 24 hours. But they held it so long i had to contact the better business bureau then to get my money. This bank is ridiculous and very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
These XXXX XXXX XXXX credit cards were opened without my knowledge and I have no idea where they came from. I never received the cards and wasnt aware of the debt until Midland Credit Managment informed me of them and started legal proceedings

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: MD

Complaint narrative:
I reviewed a copy of my Credit Report and saw that there was a Fraudulent Collection Account reporting on my Transunion and XXXX XXXX reports. This Collection account is being reported by XXXX XXXX XXXX in the amount of {$1600.00}. I filed an FTC Identity Theft Report in which I attached to this CFPB Report. 

XXXX XXXX XXXX Account Opened on XX/XX/year> Amount : {$1600.00}

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 2024-06-04 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: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-06-04 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:
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 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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 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 2024-06-04 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: NM

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-06-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
I attempted to get a copy of the contract between myself and Midland Credit Management and they were unable to provide that contract. So they are attempting to collect a debt that I do not owe them. I spoke to XXXX representatives, XXXX XXXX and XXXX XXXX and neither was able to provide me with a copy of the contract.

Company response to consumer: Closed with explanation