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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 2024-05-22 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: NV

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 2024-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NV

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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OR

Complaint narrative:
My original debit card for this account expired XX/XX/XXXX. I attempted to request a replacement card early ( XX/XX/XXXX ), but was told that I was unable to do so as it was against their policy and I would automatically receive a replacement in XXXX. 

XX/XX/XXXX, no replacement is ever received, and I no longer have access to the fund in my account. 

XX/XX/XXXX I reach out to customer service through their online chat to request a new card, I'm told I would have to call their customer service line ( which I do ), at which time I'm told I will need to change the address on file as the replacement card that was supposedly sent originally was marked as undeliverable, even though it showed as delivered on my account. 

While trying to change the address associated with my account I'm informed that they are unable to ship to a XXXX XXXX XXXX though the address on my account has included a XXXX XXXX XXXX XX/XX/XXXX and I've had no problems receiving unwanted mail from them in the past. So instead the XXXX XXXX XXXX left off my address on the account ( which should be fine as everything sent to my primary address is placed in the XXXX XXXX XXXX ). 

XX/XX/XXXX The new replacement card has shown as delivered for 6 days, however I still have not received it. Attempted calling the customer service line again, but after a few minutes the agent keeps saying they can't understand me/line is breaking up, so I go to the online chat support where I'm told that the card should be delivered XX/XX/XXXX. I then ask why this has become such an issue, as well as why my account shows the card as delivered over a week before it is actually delivered. 

Roughly 30 seconds after asking that question I am forcibly logged out of my account ( which ends the customer support chat session ) and I am currently unable to access my account. As of now, I have no resolution to my issue and have been unable to access the funds in my account since XX/XX/XXXX, and now I have no access to my account at all. Because I have no access to my account, I am unable to provide any screenshots or additional information.

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
Sunrise Credit Services , Inc. ( on Behalf of XXXX XXXX XXXX ) Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, NY XXXX Phone # : ( XXXX ) XXXX They reported a derogatory remarks to the credit bureau and damaged my 16 yrs pristine credit records ( Score of XXXX ) based on the failed communication. This debt collection agency failed to communicate to me and within few trial of communication. I am traveling at this moment outside the USA. Without any telephone communication and just and based on the failed communications and one mail ( I never received ), they reported a derogatory remarks to my credit score. 

This debt collection agency did not try to reach out to me in enough means, not even try to have a successful written email or mail communication before damaging my credit history. I would like to pay off the balance ( {$120.00} ) with this agency and I want them to remove the derogatory remarks about my credit reporting. 
I paid the debt and settled on XX/XX/XXXX ( Recipt # XXXX ) as soon as I got notified by my credit bereau reports. I want the reporting agency to remove the derogatory comment and delete all these collection remarks from my credit history. 

I want consumer finance to help me in this situation and resolve this unfortunate circumstances. I would like to pay off the tiny amount to the agency and I want the debt agency to remove the remarks in my credit history. 
Thanks, 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 explanation
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 inquiries 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 2024-05-22 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: Experian Information Solutions Inc.
State: FL

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 inquiries 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 2024-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/year> after due diligence and much research with a breeder I attempted to purchase a puppy from a breeder on XXXX. I looked at past litters and had point of contacts for past clients. After speaking with this breeder for a couple of weeks I felt comfortable making the purchase for said puppy. The breeder requested the payment via XXXX of XXXX XXXX This is the average price for the breed of puppy I was looking for. As a member of a breed specific FB page, this was XXXX of XXXX approved breeders listed, meaning they supposedly sent in all DNA and xray records of the puppy 's parents. The FB page had over XXXX approved members listed on the group. I started the process through my bank but the fraud department needed to verify with phone calls. Somehow during the call the payment went through ( even the person I spoke to on the phone was surprised and said it was submitted while we were on the phone together going through the checks. 
Come to find out it was a scam. There was never any puppy. In fact the scammed attempted to get more money during the shipping process by saying the crate was not sufficient enough for air travel to my local airport. I called Bank of America to alert them to the fraud and appropriate measures were taken and a fraud claim was opened up. 
Unfortunately as of today they will no longer support my claim of fraud and assist me with recovering my XXXX $ back. 
I need help with recovering my funds and stricter measures need to be in place regarding XXXX and the use of it on behalf of scammers. 
I attempted to get my money back by all means necessary, including calling the person to whom the money was sent but I was told that his bank account was hacked and he has been getting phone calls for the past week from other victims. How far and how long does this have to go on before something is done? I live alone and had to take a loan out to get this " fake '' puppy

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: 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: VA

Complaint narrative:
Delete this account for Violation and inaccuracy because the last paid date for 2020 reported is incorrectly on Experian, XXXX and XXXX. In addition, number of late payments and status of account on Experian do NOT match with XXXX, and XXXX. Account of Late payments are incorrect, and Date reported are incorrect on Experian, XXXX, XXXX a Account name XXXX XXXX Account 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 explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: MD

Complaint narrative:
I am writing to file a formal complaint regarding a collection account labeled XXXX XXXX XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I tried to wire my colleague {$18000.00} and as soon as I did so, my online login was disabled. I called Citi Bank and they said that the wire and account was placed under investigation and the account was pending closure. The account ended up getting closed out and they said it would be 30 - 60 days from them to send me a check in the mail with the funds. We are now almost 4 months since and they have not sent the funds. I call them every single day and today ( the latest update ) they said there is only {$460.00} that is due to me. I asked them about the {$18000.00} that was supposed to be wired to my colleague that never made it to him, they then put me on hold again and they came back and they said that the wire was rejected but they are not sure where those funds are. They told me to try and call back in 48 hours to see if they could locate those funds. 

That is my entire savings that I was giving it to my colleague to invest into a real estate business together. I need someone to step in on my behalf because I can not believe a bank of this size doesn't know what happened to my funds and can not locate them!

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 2024-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.

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: Attempts to collect debt not owed — Debt was result of identity theft
Company: Meridian Financial Services, Inc.
State: MD

Complaint narrative:
I am writing to file a formal complaint regarding a collection account labeled MERIDIAN FINANCIAL SVC XXXX AND MERIDIAN FINANCIAL SVC XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX  that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In XXXX, XXXX, XXXX of XXXX I requested XXXX to investigate and delete my first premier accounts because the information that was furnished was incorrect. I provided paperwork from first premier regarding account status effective XX/XX/XXXX. They failed to investigate and update the account to coincide with the letter. I then disputed the account due to late payments of being effected due to XXXX disaster. They refused to update. I then provided paperwork from first premier stating that they couldn't comply with my correspondence because the accounts are not charged off. XXXX ignored that paperwork and continues to furnish incorrect data

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 — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In XXXX, XXXX, XXXX of XXXX I requested XXXX to investigate and delete my XXXX XXXX accounts because the information that was furnished was incorrect. I provided paperwork from XXXX XXXX regarding account status effective XX/XX/XXXX. They failed to investigate and update the account to coincide with the letter. I then disputed the account due to late payments of being effected due to XXXX disaster. They refused to update. I then provided paperwork from XXXX XXXX stating that they couldn't comply with my correspondence because the accounts are not charged off. XXXX ignored that paperwork and continues to furnish incorrect data

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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