vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-20 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: PA

Complaint narrative:
I mailed a letter to Transunion regarding the accuracy of an auto loan reporting on my credit. The date of the last activity is inconsistent with the other credit reporting agencies and I provided proof of that to Transunion. Transuionon proceeded to report that the account was reopened, which misrepresented my credit report and made it look like I had late payments when the account in question had been closed since 2019. This damages my financial outlook on buying a home and providing for 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 2023-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I hope this letter finds you well. I am writing to bring to your attention a discrepancy in my credit report maintained by your bureau. Upon reviewing my credit history, I have noticed the presence of inaccurate late payments, which do not accurately reflect my payment history. 
I pride myself on being a responsible and diligent payer, consistently meeting my financial obligations on time. The reported late payments are inconsistent with my financial behavior, and I believe there has been an error in the reporting process. 
Account Information : BANK OF AMERICA XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I am kindly requesting a thorough investigation into this matter and the prompt correction of the inaccurate information on my credit report. I understand the importance of accurate credit reporting and the impact it has on my overall financial well-being. 
As such, I request your cooperation in rectifying this error as soon as possible.

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 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
please remove these inquiries from my credit report ASAP XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX - XX/XX/2023 These Inquiries are not authorized

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am a human being who is very disturb right now with the resolution provided by Experian. I spoken with a Experian Representative pertaining to this matter. I never authorized any of these inquiries beginning in i believe XX/XX/2023 up until the present. I am the consumer, i so aggrevated with this ongoing issue regarding my credit, Theres laws in place pertaining to this matter, for instance Investigation for Consumer Report., who was contacted to verify the information was correct, i need to receive this information as soon as possible, this need to be address immediately, I will not continue to feel violated or disrespected by the credit bureau . this need ro be deleted from my account asap as possible. 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 explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I do not have an account or debt with LVNV Funding. My information was sold without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I just checked my credit report and found some inquiries that belong to someone else

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
The amount and dates on credit bureau 's are in accurate. Please review and remove. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: FL

Complaint narrative:
Am A Victim On Date Breach ... .Please See Attachment Document

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 2023-11-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing to dispute the accuracy of information on my credit report maintained by your bureau. After a thorough review of my credit history, I have identified an inaccurate late payment entry that I believe may be the result of a bank error or system glitch. 
Account Information : Creditor XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I pride myself on maintaining a strong record of timely payments, and this reported late payment is inconsistent with my financial behavior. I suspect that there may have been a bank error or a system glitch that led to this inaccurate reporting. 
I understand that accurate credit reporting is crucial, and I believe resolving this issue is essential to maintaining the integrity of my credit history. Please investigate the possibility of a bank error or system glitch that may have led to this inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: IN

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: GA

Complaint narrative:
I do not have a debt with The Receivable Management. I have received multiple calls disregarding the XXXX law.

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 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
please remove these inquiries from my credit report ASAP XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX - XX/XX/2023 These Inquiries are not authorized

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 2023-11-20 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: NY

Complaint narrative:
XXXX XXXX alleged account # XXXX XXXX XXXX alleged account # XXXX XXXX XXXX  alleged account # XXXX XXXX XXXX  XXXX  XXXX account XXXX XXXX I sent a letter over 35days addressing these alleged accounts. Reporting agency has not responded, provided any proof from companies reporting these alleged account ( FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer ). They've furnished invalid erroneous accounts without 1st investigating. The FCRA is clear on its procedures and these agencies must be held accountable.

Under FDCPA 15 U.S. Code? 1692e.False or misleading representations- ( 8 ) They allowed this debt collector to violate my right.. I disputed these items inaccurate over 35 days ago and you havent notated is as disputed. Which cause me to lose out on housing due to reporting this inaccurate item and not notating it was disputed.

The items above should all be removed from my consumer report under 15 USC 1681s-2 ( 3 ) and 15 USC 1692e ( 8 ) violations.

They're supposed to add notice within 30 days not 1 day over as i have proof. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated.

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 2023-11-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. It distresses me that the information included in my credit profile has not been maintained with reasonable procedures to ensure maximum accuracy, as mandated by credit reporting laws. The accuracy of credit information is crucial, and I believe every effort must be made to assure that information reported is entirely accurate and correct. I am specifically addressing the following information, which I request to be reinvestigated : XXXX XXXX XXXX XXXX XXXX. I respectfully request that you provide proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. In the absence of such documentation, I insist on the immediate deletion of this item from 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 2023-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I hope this letter finds you well. I am writing to bring to your attention a discrepancy in my credit report maintained by your bureau. Upon reviewing my credit history, I have noticed the presence of inaccurate late payments, which do not accurately reflect my payment history. 
I pride myself on being a responsible and diligent payer, consistently meeting my financial obligations on time. The reported late payments are inconsistent with my financial behavior, and I believe there has been an error in the reporting process. 
Account Information : XXXX XXXX XXXXXXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I am kindly requesting a thorough investigation into this matter and the prompt correction of the inaccurate information on my credit report. I understand the importance of accurate credit reporting and the impact it has on my overall financial well-being. 
As such, I request your cooperation in rectifying this error as soon as possible.

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 2023-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
This account is old. Please review and remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
After being denied approximately XXXX modifications over several years by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and being requested to make payments that were more than twice my original payment during each modification procedure ( my original payment XXXX / ASC requested payments from XXXX - XXXX each payment they said to show that I can afford my mortgage. ) going through the process in which the HAMP program required for participants through their servicer. I requested through an attorney I had hired to see who was claiming to be over my mortgage, after I had heard that my original lender had file bankruptcy and fined for violations of insurance fraud. I also had a title certificate conducted on my property where my attorney found out that U.S. Bank claimed to be the trustee over my property, but also said there were no assignment of any documents or titles on record.

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 2023-11-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/23, I purchased a XXXX XXXX on XXXX. However, I changed my mind and returned the item. XXXX refunded my money. However, I never received the refund on my credit card. I notified Bank of America of this information on XX/XX/23 and provided all the required documentation to demonstrate I purchased it and returned it ; XXXX claimed they refunded it to my original payment method and never received the credit on my statement. Bank of America responded and denied that I was owed a refund on XX/XX/23. I wrote a letter to my bank demanding that they give me a refund that I'm entitled to, but they denied this and then charged me {$310.00} on my credit card for something I already paid for, returned, and never received a refund.

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 2023-11-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15. U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 sections 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 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: NRA Group, LLC
State: MA

Complaint narrative:
I have been a victim of Identity theft. I have sent the appropriate documentation ; 605B, FTC, LICENSE, and PROOF OF ADDRESS.

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 2023-11-20 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: TX

Complaint narrative:
Disputed Credit Accounts on my Credit Reports to the Credit Bureaus. Seemed funny that the Credit Bureaus completed the dispute process in less than 30 days.

I ask for these credit accounts to be deleted from 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 2023-11-20 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:
Based on my credit report I have identified several errors these areas include incorrect personal information and accurate payment history and unauthorized accounts I'm disputing these errors as a negatively impact my credit score and standing by resolving these issues I am to insure the accuracy of my credit report protect my financial reputation and potentially gain XXXX  better access to credit opportunities in a future

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 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Based on my credit report I have identified several errors these areas include incorrect personal information and accurate payment history and unauthorized accounts I'm disputing these errors as a negatively impact my credit score and standing by resolving these issues I am to insure the accuracy of my credit report protect my financial reputation and potentially gain XXXX  better access to credit opportunities in a future

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 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: TX

Complaint narrative:
Based on my credit report I have identified several errors these areas include incorrect personal information and accurate payment history and unauthorized accounts I'm disputing these errors as a negatively impact my credit score and standing by resolving these issues I am to insure the accuracy of my credit report protect my financial reputation and potentially gain XXXX  better access to credit opportunities in a future

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 2023-11-20 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:
I extend my appreciation for the efforts taken thus far to address the fraudulent items on my credit reports resulting from an alleged identity theft. However, I would like to bring to your attention the remaining items that persistently appear on my credit reports, which do not belong to me. Upon reviewing my records, I observed that these unresolved items are still inaccurately reported, and I believe their presence violates Section 605B of the Fair Credit Reporting Act ( FCRA ), which mandates the removal of items opened due to identity theft. I have attached the required FTC Report with # XXXX & XXXX for your reference and with inclusion of my personal documents. The fraudulent items in question are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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