vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-05-28 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: IL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-05-28 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: AZ

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Red Target LLC
State: AR

Complaint narrative:
Prior to XX/XX/XXXX, a female named XXXX XXXX called my office misrepresenting herself as the XXXX XXXX XXXXXXXX for our credit card processing company named XXXX. She was calling to inform us that we could get better processing fees and ease of use with new credit card terminals compared to what we were using. We agreed, and decided to proceed with documentation to secure the terminals, including a lease agreement. Within days after receiving the terminals, we tried to contact XXXX XXXX regarding some questions, and upon receiving the first email communication with her, I noticed her signature included the name XXXX XXXX XXXX instead of XXXX. After multiple email and phone call attempts ( see attached ), we could not get XXXX XXXX to respond. Once we confirmed with XXXX that there was no employee named XXXX XXXX, we immediately stopped using the terminals and put them away on the shelf. This confirmed that we had entered into a fraudulent agreement, and refused to do any further business with XXXX XXXX or XXXX XXXX XXXX. Soon after, we began receiving statements from XXXX ( see attached ), the leasers of the credit card terminals. We refused to pay these since we werent using the terminals, and, again, refused to do business with any associated with this fraud. The statements eventually stopped. On XX/XX/XXXX, a male identified himself as XXXX XXXX representing a debt buying company called my office ( and attempted to call me personally ) stating he was starting a pre-asset liability investigation and that he would be contacting any suppliers or vendors we work with, our bank, and the state of Arkansas in regards to our bad debt. After counsel with my lawyer, we decided no action was necessary. Soon after, another male identified as XXXX XXXX called saying he was forwarding all information of our account to legal department with intent to sue me personally based on the lease agreement. At that time, I spoke with XXXX XXXX, explained in further detail how this situation came about, to which he responded with complete disregard and reiterated not settling this debt would result in a lawsuit against me personally and ruined credit. After consulting with my lawyer again, we took no further action. He has since called my office about every 2 days threatening legal action. At the time of this complaint, we no received any written correspondence from XXXX XXXX, XXXX XXXX, or the company they represent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-05-28 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: OK

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: Radius Global Solutions LLC
State: OH

Complaint narrative:
Someone opened an XXXX XXXX XXXX  account in my name in a city I have never lived in. I have repeatedly told the company and disputed the charge but they have not closed it. I have filed police reports, provided proof that I have never lived at the address they have listed, and I've never even lived in XXXX, OH. This account is still open, still on my report, and now they are threatening court action. I have had the same cellphone and carrier in XXXX, OH since 2003. I have no idea who used my information to open an account in another city but I am at my wits end trying to prove it is not 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 explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
In XXXX of XXXX, XXXX XXXX began building a porch on our house. We tried paying him the final payment. We used our Barclays card. We tried using it but it kept declining the transaction. We had 5 temporary charges for XXXX and one charge for XXXX. I called Barclays and explained the situation. 4 of the charges were taken off as well as the XXXX but one charge of XXXX still remained. At this point, I could not reach XXXX XXXX and continued trying to locate him for 6 months. I assumed he had scammed us, and I was trying to seek fraud, or criminal charges ( I later discovered that he was sick and in the hospital. ) I filed a dispute at this time with Barclays in XXXX of XXXX. During this time, I provided Barclays with all the proof that the {$5000.00} was not owed to him. ( Cashiers check, Contract, There was also a charge filed against him through the Attorney General of Ohio so I submitted them the info as well ). 

Skip ahead to the Spring of XXXX, I finally was able to contact XXXX XXXX. He explained his situation about being sick, having major XXXX XXXX, and recovery. I explained to him my predicament with my credit card. He explained that he was called by Barclays while in the hospital in the Summer/Fall of XXXX. He told Barclays that we did not owe him the XXXX or the XXXX. I called XXXX and explained to them the situation. We had 3 3-person calls with XXXX where XXXX explained as did I, that XXXX was taken out of his account while the charge was in dispute with XXXX but XXXX the dispute was closed the charge was put back on my card. The charge is still on my account and when I called today, I was told that the case will never be opened again. 

Im out XXXX. I know Barclays can throw around money and XXXX is nothing to them. However, it is a lot of money for me. Ive spent countless hours on this dispute, taking days off of work to focus on this since the wait to be helped at Barclays is always long. The stress this has caused is beyond what should be experienced for anyone. Please help.

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 2024-05-28 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
Columbia Debt Recovery refuses to remove unverifiable tradeline from my credit report. I have provided all motorized documentation to Comlumbia Debt Recovery but the tradeline still appears on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOUTHSTATE BANK CORPORATION
State: FL

Complaint narrative:
On XX/XX/2024 after my initial complaint to CFPB regarding Southstate bank I received a letter from stating they gave me a Provisional Credit for the fraudulent charges made to my bank account. Per the attached letter I am supposed to have full use of those funds. However, the fraud department will not allow me to use any of those funds related to the provisional credit. They have also taken it one step further and refused to allow my parents to have access to their social security checks until XX/XX/2024. This has resulted in late fees, penalties with the IRS because they can not make their tax payment, and late fees on their property taxes because they can not make their property tax payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: NC

Complaint narrative:
I would like to dispute off the following inaccurate accounts from my credit report. 

Equifax : XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX US DEPARTMENT OF EDU XXXX of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX US DEPARTMENT OF EDU XXXX of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX. 
Account Number : XXXX {$2500.00} XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$4.00} XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX  XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX $ XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account XXXX : XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX  Account XXXX : XXXX {$0.00} XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: MA

Complaint narrative:
Recently I looked at my credit report and noticed serval inaccurancies on my account. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here are the items I am asking to verify as accurate : COLLECTION Acct XXXX Amount {$510.00} COLLECTION Acct XXXX Amount {$320.00} COLLECTION Acct XXXX Amount {$470.00} COLLECTION Acct XXXX Amount {$470.00} COLLECTION Acct XXXX Amount {$4400.00}

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 2024-05-28 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I would like to dispute off the following items on my credit report. 

Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: PA

Complaint narrative:
I would like to dispute off the following items on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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