vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-15 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: TN

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-03-15 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:
I received a copy of my most recent credit report and there are inquires from XXXX XXXX XXXX dated XX/XX/2023. I have never conducted business, applied for credit, or have an account with 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 2024-03-15 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:
I received a copy of my most recent credit report and there are inquires from XXXX XXXX XXXX dated XX/XX/2023. I have never conducted business, applied for credit, or have an account with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I purchased a dishwasher from XXXX XXXX XXXX on XX/XX/XXXX and never received the correct item that I purchased. A different dishwasher of the same brand name was delivered to me which had a large steel/ silver bar on the bottom that was not on any of the merchant 's website photos when I made the decision to purchase the item. 

The merchant sent me useless replacement parts in an attempt to conceal the silver bar but they did not fix the issue and a contractor I consulted with to modify the machine also told me it could not be done. 

I reached out to the merchant multiple times asking for them to allow me to return the incorrect item and refund the charge. However, they continue to insist that the machine they delivered matched their website photos even though it does not. 

I enclosed a screenshot of a chat conversation with the merchant that took place on XX/XX/XXXX in which the merchant referred me to the manufacturer when I asked them to return the machine. The purchase was not made through the manufacturer and the manufacturer referred me to merchant XXXX XXXX to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: CA

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts 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 2024-03-15 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:
These inquiries do not pertain to me, and I did not authorize them. I request their immediate removal 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 2024-03-15 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: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, and so on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I disputed my student loan with XXXX. I stated that my loan was supposed to be discharged and completely removed from my credit report by XX/XX/24 by court order from the case XXXX XXXX XXXX. I included the letter stating that I was a XXXX XXXX XXXX of the case and that my loans would be : discharged, refunded, and completely removed from my credit by XX/XX/24. 
Navient student loans still appear on my credit report with delinquent payments. They show a balance of {$31000.00}. They responded to my dispute saying that they had updated the information I requested, but nothing was changed. The balance still remains and the credit line and complete history still show in my report.

This has been hurting my ability to get a loan and a mortgage for over XXXX years now. It was finally supposed to be removed by XX/XX/24 and it has not been. The Dept of Education and all XXXX credit bureaus are now in breach of that court order. I have submitted disputes directly with XXXX and XXXX but have not received responses yet. 
XXXX did reply and said it was resolved but did not resolve it at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Applied for payment extension in XX/XX/XXXX and tried to work with the company to expedite my request by making weekly phone calls. When the extension was granted in late XX/XX/XXXX they claimed the payment was late and reported to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have the right to privacy. Under 15 U.S.C. 1681 section 604A section 2, it also states that a Consumer Reporting Agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Please update these accounts per section 15 U.S.C. 1666b XXXX XXXX : Account Number XXXX XXXX : Account Number XXXX XXXX XXXX : Account Number 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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC.

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 2024-03-15 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: IL

Complaint narrative:
In accordance with the fair credit reporting agency act XXXX XXXX Account # XXXX, has violated my rights. 

15USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for and purpose.

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 2024-03-15 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: IL

Complaint narrative:
In accordance with the fair credit reporting agency act XXXX XXXX Account # XXXX, has violated my rights. 

15USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for and purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: SC

Complaint narrative:
When I was XXXX, my father gave me ability to use credit. My credit score remained very low and has remained low over the years. As a user of XXXX for a couple years, I use the method of disputes to try to remove reports that I wasnt linked to. I wasnt understanding why my credit wasnt getting changed over time. I have notifications that alerts me of my credit use and from time to time Ive been seeing notification alerts of my SSN has been traced and/or has been used, multiple address has been linked under my credit file and I have been unable to figure out why. Late XXXX of XXXX, I called my dad, XXXX XXXX, and asked if he was using in an apartment under my SSN and he Claimed he has no understanding and change the subject asking me what was for XXXX. I paid no attention to this. XXXX XXXX I received another notification from stating my SSN number has been used again with ann address linked with the alert. I took a screenshot of the alert. I told my boyfriend and he was giving me information on how to contact XXXX days later. The best thing I knew to do was dispute it off my credit and to call XXXX. Before I had the chance to call XXXX. I had a visitation with my father. He picked me up at my current address and drive to His apartment. Before I left the next day, I noticed the address on his piece of mail was linked to the alert on my XXXX app. Ive noticed other things that wasnt making sense for my credit report such as, one of the first use line of credit on my credit score is a credit card from XXXX XXXX back in XXXX. The account was open right after my birthday, XXXX XXXX. I was age XXXX living with my mother, XXXX XXXX, in XXXX North Carolina. The first credit card Ive ever owned was XXXX XXXX XXXX recommended by him and he helped me open the account.

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 2024-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. The reporting of these account is in violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] collection : 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 2024-03-15 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:
I received a copy of my credit report and found the following items to be errors. Here, as follows are items in error : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXXXXXX # XXXX I am unaware of the above-listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping a CAREFUL record of your actions. 

Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement Of Identity Fraud 3. ) Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, in order to formally defend yourself. 
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via XXXX XXXX XXXX XXXX along with an online public press release, including documentation of any potential small claims action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. There are inaccuracies that existed on my credit report. The bureaus display the Date of the Last Activity differently : XXXX says XX/XX/year>, XXXX XX/XX/year>, and XXXX XX/XX/year>. Also, this charge-off account shows a {$14000.00} balance. The balance should not be reported after it was a charge-off. This is clearly a violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: TN

Complaint narrative:
- This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-03-15 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: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
I checked my credit report and noticed XXXX unauthorized Inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: CORELOGIC INC
State: OH

Complaint narrative:
I want to remove the fraud Inquiries from my credit file XXXX Corelogic Credco, XXXX XXXX, 2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2024 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, 2024

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 2024-03-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC
State: MO

Complaint narrative:
In XXXX of 2022, we tested a wifi hotspot from a locally-owned XXXX store in on XXXX XXXX in XXXX, MO. 
We returned the device within the 30 days required for a refund due to the inefficiency of the bandwidth of the item. 
The store claims that they never received the device back. 
We went by the store after receiving the bill to confirm that they had the device and were going to correct the amount owed. They agreed. 
The next month the bill came and still showed the outstanding amount, so we then called XXXX customer service line. They created a case and ensured us they would correct the fee after talking with the store. We called again and confirmed same thing 1 month later, but to no avail... the charge remained and ultimately went to collections. We do not own or use this device and returned it within the proper time frame that was required, therefore we do NOT owe this fee.

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 2024-03-15 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: OH

Complaint narrative:
I have made multiple attempts to contact Equifax regarding an inaccurate account on my Credit Report. This account is reported as XXXX XXXX XXXX, and it is a closed account listed as a charge-off for {$70.00}. I have never acknowledged this debt, and the address associated with it is not one I have lived at. When I provided proof of residency, the address was updated to my current one with the XXXXXXXX XXXX XXXX. Although XXXX and XXXX have deleted this account due to inaccurate reporting, Equifax keeps responding with only " verified '' and a statement of the account 's payment history. Despite my requests for more information about this debt, Equifax has failed to comply for over 90 days. I have sent Equifax XXXX letters in the past XXXX months asking for more information, dated and notarized on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have requested the name, business address, and telephone number of the person or business contacted during the reinvestigation, the name of the person who verified the dispute with the original creditor, and the documentation used to verify the dispute. None of this has been provided to me. This issue is causing financial hardship as this account is affecting my ability to purchase my first home. I am seeking help to resolve this matter, as I am perplexed by the discrepancy where multiple companies say an account is inaccurate and not mine, yet Equifax continues to report it without accurate documentation.

Company response to consumer: Closed with explanation