vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Since XX/XX/XXXX, I have trying to get all three credit reporting bureaus, XXXX, Transunion, and XXXX to add my XXXX XXXX account from XXXX account # ending in XXXX to my credit. Ive had this account for 7 years it still active and it has not been added to ANY of the accounts. XX/XX/XXXX called XXXX gave them my social again to report to all three Bureaus and they sent it over several times and XXXX nor Transunion nor XXXX added my account. XX/XX/XXXX called spoke with XXXX credit bureau specialist unit at XXXX they will send credit report and gets on credit report 5 business days after but it was never added XX/XX/XXXX called XXXX added a consumer statement to add XXXX stated it is my account confirmation # XXXX I added a consumer statement on XXXX confirmation # XXXX XX/XX/XXXX again For same reason with XXXX account ending XXXX XX/XX/XXXX credit Bureau Specialist Unit spoke with XXXX They reported it on the XX/XX/XXXX. She re-reported today XX/XX/XXXX as an Intercycle Update sending over what data is today as of Freedom card XX/XX/XXXX It should take 3-5 business days Friday/Monday of Next week to be added to Reporting Agencies Transunion XXXX and XXXX It was NEVER added Call all three Bureaus Again to make sure there is a consumer note XX/XX/XXXX called XXXX sent a consumer note called Transunion department priority escalations added Consumer Statement. Called XXXX updated consumer statement confirmation number # XXXX XXXX to follow up with statement to add these to my Credit it was never added to any of my cresit accounts. XXXX account ending # XXXX is my credit card account and it is active and it SHOULD be on my credit on XXXX, XXXX and Transunion and it is NOT

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 2024-02-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: MO

Complaint narrative:
Company is clearly purchasing very old debts and attempting collection on them. As the debt in question is from XXXX it is no longer valid or collectable and has been off my credit report for years. This company is very well aware of this and filed it onto all my credit reports anyway causing harm to my credit score. From the number of complaints on the XXXX about this company doing the same thing to thousands of others it is clear this company is flagrantly violating the laws concerning old debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
American Express debt collectors called me about an account that does not belong to me and is not associated with me. On the call, they gave me the name of the person they were attempting to collect a debt from. It is my understanding that in doing so they violated that individual 's privacy. 

The third-party debt collector then called my employer and notified my employer that they were attempting to collect a debt from me. Again, they were not actually trying to collect a debt from me, they were attempting to collect a debt from someone else ( not me ). 

I informed them of the mistake, both the third-party collector and American Express XXXX I was assured that my number and my employer 's number were removed from the system. This all occurred a couple of weeks ago. I was contacted again on the matter today. 

American Express and their third-party collection company have divulged personal information about one of their clients and they are harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Since XX/XX/XXXX, I have trying to get all three credit reporting bureaus, Equifax, XXXX, and XXXX to add my XXXX XXXX account from XXXX account # ending in XXXX to my credit. Ive had this account for 7 years it still active and it has not been added to ANY of the accounts. 
XX/XX/XXXX called XXXX gave them my social again to report to all three Bureaus and they sent it over several times and Equifax nor XXXX nor XXXX added my account. 
XX/XX/XXXX called spoke with XXXX credit bureau specialist unit at XXXX they will send credit report and gets on credit report 5 business days after but it was never added XX/XX/XXXX called Equifax added a consumer statement to add XXXX stated it is my account confirmation # XXXX I added a consumer statement on Equifax confirmation # XXXX XX/XX/XXXX again For same reason with XXXX account ending XXXX XX/XX/XXXX credit Bureau Specialist Unit spoke with XXXX XXXX reported it on the XX/XX/XXXX. She re-reported today XX/XX/XXXX as an Intercycle Update sending over what data is today as of Freedom card XX/XX/XXXX It should take XXXX business days Friday/Monday of Next week to be added to Reporting Agencies XXXX Equifax and XXXX It was NEVER added Call all three Bureaus Again to make sure there is a consumer note XX/XX/XXXX called XXXX sent a consumer note called XXXX department priority escalations added Consumer Statement. Called Equifax updated consumer statement confirmation number # XXXX XXXX to follow up with statement to add these to my Credit it was never added to any of my cresit accounts. 

XXXX account ending # XXXX is my credit card account and it is active and it SHOULD be on my credit on XXXX, Equifax and XXXX and it is NOT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Scheer, Green & Burke L.P.A.
State: MI

Complaint narrative:
Goodafternoon company SCHEER , GREEN & BURKE L.P.A is trying to collect a debt that is not mine. Never seen this company nor used this company for anything. I need help because I had identity theft and this company have not provided a debt validation letter. I need them not to use my data neither the wrong information because my name is not what they saying. So please I need them to stop harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: NJ

Complaint narrative:
I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.

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 2024-02-23 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: WA

Complaint narrative:
Despite my persistent attempts, a resolution to these issues remains elusive. Your firm 's response to my letter directed to the credit bureaus indicates that my request for verification of inaccuracies on my report is being labeled as " frivolous '' or " irrelevant. '' I want to underscore that I do not consider a matter of such personal significance to be frivolous or irrelevant. If my initial request to verify the items outlined in my previous certified mail is overlooked, I am prepared to elevate the matter by filing a complaint with the Federal Trade Commission against your company. Consequently, a thorough reevaluation of the following information is essential. I respectfully request validation of the alleged item, specifically the contract, note, or any other document bearing my signature. In the absence of such validation, I insist on the prompt removal of these items from the 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 2024-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Comerica
State: TX

Complaint narrative:
The problem is I will receiving my transactions my money transactions and the banker thought it was fraud he froze my account started investigation and I couldn't receive my money or pull my money out my name is XXXX XXXX my social security number is XXXX the bank name is Comerica Bank and it was in XXXX and XXXX they closed my account froze my account and they threatened to call the FBI and put me out I really need some help cuz I feel like they still have my money in the bank and not doing nothing about it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: IL

Complaint narrative:
I sent a letter to Agency for Removal of XXXX XXXX Account # : XXXX in the amount of {$870.00}. They responded with account valid. I contacted original creditor XXXX XXXX that did their own investigation and found I was no longer responsible for this debt due to Identity theft. I have attached proof of this with a letter in this complaint. I also submitted this to the Agency and they did not remove the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: A.R.M. Solutions, Inc.
State: WA

Complaint narrative:
I have a pest control service that comes at random times without telling me to provide pest mitigation services outside my home. They sent me an en email on XXXX about paying for their services and I missed the email. They did not attempt to leave a voicemail or send a paper notice. I paid as soon as I realized that I missed their email on XXXX. I then started getting debt collection text around XX/XX/XXXX. I emailed the pest control company, XXXX and they confirmed my debt was paid on XX/XX/XXXX and XX/XX/XXXX. I continued to get text messages multiple times a day from a debt collector, A.R.M. solutions and received a paper collection notice dated XX/XX/XXXX. I called XXXX again on XX/XX/XXXX and they confirmed again that my account was paid in full. I called A.R.M solutions and they said they had no record of my account being updated or paid. They even said they would call XXXX and when I asked if they had XXXX 's number, they said actually their not allowed to call and verify the debt during the pre-collection phase. At this point, A.R.M. solutions is not verifying my debt and is refusing to help. Their California License No is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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:
I contacted Transunion on XX/XX/XXXX about Identity Theft that occurred on XX/XX/XXXX and supplied evidence of removal from original creditor by providing documents from the original creditor and collection company that the account is no longer valid. Transunion took 30 days to respond with " Debt has been verified '' I provided them with proper documentation from XXXX XXXX XXXX for the original creditor XXXX XXXX XXXX XXXX in the amount of {$4400.00}. XXXX sent a letter stating they have closed the account and ceased collections and that I have no further obligation regarding this account. I have attached this document to this complaint.

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 2024-02-23 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: CITIBANK, N.A.
State: PA

Complaint narrative:
THD/CBNA Account type - Credit card Date opened - XXXX XXXX XXXX  Address THD/CBNA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX Above Account created under THD/CBNA without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please.

According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that 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 2024-02-23 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: NJ

Complaint narrative:
It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX I received my Nordstrom card statement and noticed that there were purchases made on my card I immediately contacted Nordstrom card services and made them aware of this situation and filed a fraud claim on XX/XX/XXXX I paid off the balance of the charges that I owed then on XX/XX/XXXX I received an email from XXXX XXXX who asked me a few questions then proceeded to tell me my fraud claim was closed and that I was responsible for these charges I did not make she said the address had been used before and that made me responsible even though the package wasn't in my name confirmation never came to my email and I told them I never gave anyone permission to use my card she said that I needed to contact the person who lived at the residence the package was delivered to because they owe me money after that I asked to speak with a supervisor and never received a call I then called back on XX/XX/XXXX and spoke with her supervisor XXXX who said that they worked this case together and with the help of customer service they came to the conclusion that this is not fraud that I needed to contact the online customer service and tell them I never received the package and have them put in a lost package request in which is fraud all on its own because I never even ordered the package or gave permission for it to be ordered which is clearly a fraud claim I just want my money back I'm not paying for someone else 's orders ps customer service team can't even find the orders on my account seems like fraud to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
JPMCB - CARD SERVICE Account type - Flexible Spending Credit Card Date opened- XXXX XXXX XXXX Address JPMCB - CARD SERVICE XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, DE XXXX Above Account created under JPMCB - CARD SERVICE without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please.

According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: FL

Complaint narrative:
Consumer has opened multiple disputes with Experian in attempt to correct wrong information on consumers credit report in regards to settled collection accounts that should be deleted from credit report.

First account is : XXXX XXXX XXXX  current balance is showing {$13.00}, account had been settled Experian still showing as open with {$13.00} past due as of XXXX. Please see provided documentation from XXXXXXXX XXXX  in regards to the said debt, should be marked as paid and XXXX has agreed to remove from consumers credit report. XXXX also publicaly on their website also states they will delete tradeline from credit report. 

Next account : XXXX XXXXXXXX XXXX  This account is also settled, and collection agency per their website : XXXX stated they will delete tradeline from consumers report. This policy is public and posted on their website.

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 2024-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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:
While attempting to obtain a credit card and secure it with my credit, I faced rejection following a soft inquiry. In response to this setback, I decided to enroll in a credit monitoring service. Upon scrutinizing my credit report, I discovered several unauthorized items, indicating fraudulent activities. I am unaware of these creditor inquiries. I have reached out to the creditors that are reporting but have not gotten any responses back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: GA

Complaint narrative:
I recently reviewed my Experian consumer profile and found an hard inquiry from a " non-account '' holding creditor named XXXX XXXX on XX/XX/2023. I've never given permissable purpose thru verbal or signed written authorization for this company to view my consumer profile. This may be a case of predatory tactics used by some auto dealers but without the consumers consent. I've never received any type of confirming denial or approval disclosure of any loan I allegedly applied for with this company. I sent a certified letter to dispute and requested proof of authorization for this inquiry with XXXX XXXX or resolve with a deletion of this inquiry from my Experian consumer profile immediately. This unauthorized inquiry is suppressing my ability to obtain credit and is damaging my mode of living.

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 2024-02-23 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: FL

Complaint narrative:
My personal information was stolen, several years ago when I filed my taxes. The company that processed my tax returns informed me that my information may have been compromised and to view my credit report. I did see several fraudulent items. I was advised to file a report and contact the credit bureaus. I contacted XXXX, Trans Union, and XXXX several times and they were not willing to assist me. I am filing a official report to have these accounts to be removed from my credit report. 

XXXX XXXX  opened : XX/XX/XXXX XXXX XXXX XXXX opened XXXX XX/XX/XXXX -Child Support Enforcement opened : XX/XX/XXXX -Child Support Enforcement opened : XX/XX/XXXX -Child Support Enforcement opened : XX/XX/XXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXXXXXX XXXX XXXX XXXXl opened : XX/XX/XXXXXXXX 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