vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-06 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:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-06-06 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: IN

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

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 2024-06-06 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: IN

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

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 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.

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 2024-06-06 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: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the XXXX and XXXX data breaches and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I have tried to call, mail dispute, and online dispute these accounts to XXXX. They are refusing to remove them. I need these fraudulent accounts removed expeditiously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I purchased an item that was defective from an XXXX third party seller. I purchased a wheel kit for an electric bike from XXXX. I made an appointment with a tech to put it together. When the day came to get the bike together we found that it was defective. When assembly was completed and we turned the bike on it flashed an error code and the display went dark. The bike never ran and the display didnt even work. I took the bike and kit to the best shop in Michigan, XXXX XXXX  for a second opinion. Its over an hour drive from my residence but I really wanted fix whatever was wrong. I had heard XXXX can be really difficult about expensive returns. I attempted working with the seller and had several conversations with them that I sent to Huntington to prove that I was ripped off and to reverse the charge. The seller wanted me to continue to troubleshoot the issue and wouldnt send postage for the return even after I requested it and it is amazons policy. I had several pieces of evidence that this seller was shady and stealing from XXXX customers. Their product either worked or was defective according to the reviews I got off of XXXX to support my claims. The charge was over XXXX dollars. There was a big language barrier it seemed and no help was ever given aside from the same trouble shooting information. I tried to work with XXXX and they said I had to work with the seller. With no success I had to go through the bank to reverse the charge. The bank gave me my money back and I sent them all my information regarding this transaction including all conversations with the seller, reviews for the product, XXXX rules for third party sellers, and proof I requested all chats with XXXX that DELETED my chats with customer service. XXXX said I wouldnt have access to my own chats for up to a month.. After not hearing anything with the deadline approaching I reached out to make sure they viewed my proofs. They hadnt!!!!! They were just going to withdraw the money back out of my account. They reviewed not a thing I sent them. I had a conversation with a customer service representative that was speechless and didnt know what to say or do. Ive backed with Huntington for years but never again. This was robbery. The withdrawal date was yesterday XX/XX/XXXX and today on XX/XX/XXXX they tried to withdraw the amount for the defective XXXX e-bike wheel kit that never worked and they failed to investigate. 
I have statements from two e-bike shops that my kit was defective along with their contact info. I offered them to XXXX and the seller. Absolutely no one was interested. 
I really wanted to just fairly resolve this matter or get a replacement kit. 
Times are tough and to just take over XXXX dollars from a blue collar family is just rotten business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have several credit cards in collections and multiple inquiries

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

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Komyatte & Casbon, P.C.
State: IN

Complaint narrative:
I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Dispute letters have been sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 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:
XXXX XXXX XXXX XXXX XXXX are fraudulent inquiries not made by me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I opened a Synchrony savings account on XXXX and did an ACH transfer from XXXX  XXXX XXXX, my sisters ( XXXX XXXX ) account into my account for {$35000.00}. The bank has stated since neither of us are on each others account this was flagged as fraud and they can not release my money back to me because it is not my money. Ive also sent them documentation that XXXX account is legitimate. After that initial transfer we sent a wire for {$4000.00} extra. Synchrony supposedly put a restriction on my account in XXXX, but still continue to let me deposit money and accrue interest until XXXX. In XXXX they closed my account with {$39000.00} and I have not been able to get my money back. XXXX has said their normal process is to return the funds within 3 to 5 business days, but they have not done so and can not tell me why or what process to take to get my funds. I have been told numerous different solutions without any of them resulting in my money being provided back to me. XXXX XXXXXXXX XXXX has said their hands are tied because I initiated the ACH transfer from Synchrony. I contact each bank everyday and have gotten no further on the process. I have also contacted the Office of the CEO and they have also not responded as of yet. It has been over a month since they stole my money.

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 2024-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Egon Singerman, Attorney at Law
State: TN

Complaint narrative:
Additional info on XXXX asked to refile XXXX XXXX Egon P Singerman Proceeded to sue me over a supposed debt late found to be represented by fictitious documents in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I brought up improper venue numerous times. Only to find out XXXX XXXX was using his office as my address to qualify me as an Ohio record When questioned about such tactics, XXXX XXXX proceeded to mention, that he was exempt from standard debt collection practice, and that it was not in his best interest to pursue licensing in all states and pursue suit in defendant 's home courts, and using his office 's address as plaintiffs was standard practice. Being a XXXX  resident I was unable to secure adequate counsel to defend me. Upon consulting with local attorneys in XXXX, but not licensed in XXXX, I was advised to not worry about it unless it was filed in Tennessee XXXX XXXX later used the fictitious/fraudulent exhibits against me. Fast forward to XX/XX/year>, and without notifying Tennessee courts or communications. XXXX XXXX proceeds to his office address as notice to execute a bank levy, of which I was abruptly notified today, XX/XX/year>, by my bank, XXXX XXXX. I attended a hearing on this XX/XX/year>, presided over by administrative law judge XXXX XXXX. The court was noticed about the previous death threats, and they upheld that termination of life by a bullet is an accepted debt collection method in XXXX. They were also noticed the fraudulent documents in the docket which they acknowledged they were in receipt, but acknowledged Ohio lawyers were exempt from prosecution if it helped prove their case. 
Attached Contract XXXX XXXX points to Paragraph XXXX where case it is to be heard in XXXX XXXX, Fraudulent accounting log provided by XXXX XXXX and my audit of said log

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

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK
State: AL

Complaint narrative:
Yesterday at XXXX XXXX., I received a voicemail to callback the number ( XXXX ) XXXX back because the message left said, we are trying to reach question mark (? ) XXXX XXXX. So I called the phone number back and spoke to what sounded like a XXXX male, who asked was I XXXX XXXX or did I know how to contact XXXX XXXX, with the last XXXX social digits XXXX XXXX XXXX so I said yes! He had my precise last XXXX social security digits! He said I owed a old debt with Discover, so I said, how when I currently own a Discover credit card and he said I could be sued IF I did not pay so I said, sue me, hung up, and called Discover! Discover checked and said I do now owe a old bill plus I gave them an case file account number I got from the ( XXXX ) XXXX and they connected me to Discover security and they said, I only owe current Discover bill and/or that I am not behind on any present or past payments! But each time I called ( XXXX ) XXXX, I got the exact same agent and/or he tried to disguise his voice when I commented and asked why do I only get him on the phone, so I said I want a manager and he said he was a manager then I asked to speak to someone over him, so he acted like he was getting someone else, then he came back on the phone with an attempt at CHANGING his voice, so I hung up!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2024-06-06 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 am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

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

Complaint narrative:
I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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 am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX Inquiry XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief