vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 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: OH

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I am writing to formally request that the following accounts immediately cease and desist from any further communication or action on my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I dispute the validity and accuracy of these accounts and any associated claims or actions being taken by the companies. As per 15 U.S.C. 1681e, under the Fair Credit Reporting Act ( FCRA ), they are required to ensure that all information reported to the credit bureaus is accurate and verifiable. I believe the information in question is incorrect and should not be reported on my credit file.

Under 15 U.S.C. 1681i, I formally request that the accounts are removed from my credit report. If you are unable to verify the accuracy of the accounts or substantiate the information, I expect the accounts to be immediately deleted from my credit report.

Furthermore, I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) and request that the accounts immediately cease and desist from contacting me or taking any further action regarding these accounts, including all forms of communication such as phone calls, letters, emails, also reporting on my credit report, and any other form of correspondence. 

Thank you for your immediate attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2024-12-27 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: MO

Complaint narrative:
An account has been deleted for inaccurate information on my consumer report. It has come to my attention that Experian has violated section 1681i ( B ) ( ii ) Notice to consumer. I was never notified of this account being reinserted on my consumer report no later than 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX  : {$44000.00}

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 explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Formal Complaint of Deceptive Reporting Tactics Dear Experian, I am writing to file a formal complaint regarding a recurring issue with my credit report involving a collection account. Previously, I successfully disputed a collection account listed under the name XXXXXXXX XXXX XXXX XXXXXXXX ( Account Number : XXXX ) for {$3700.00}, and it was subsequently removed from my credit report between XX/XX/year>, and XX/XX/year>. However, a new collection account has now been added to my credit report under the name XXXX XXXX XXXX, listing the same debtoriginally owed to XXXX XXXX a slightly adjusted balance of {$3700.00}. This practice appears to be a blatant attempt to circumvent the removal of the original collection account by re-reporting the same debt under a different agency with an altered balance. The details of the new account are as follows : Creditor Name : XXXX XXXX XXXX XXXX : {$3700.00} Account Status : Placed for Collection Account Opened Date : XX/XX/year> This behavior constitutes a violation of the Fair Credit Reporting Act ( FCRA ) for the following reasons : XXXX. Deceptive Reporting Tactics : The re-reporting of the same debt under a different collection agency name and with a different balance is misleading and appears to be an attempt to reintroduce a previously disputed and removed collection item. 2. Accuracy and Fairness : This re-reporting does not adhere to the principles of accuracy and fairness required under the FCRA. The debt in question should not have been re-added to my credit report after its removal. I am requesting a thorough investigation into this matter. Please provide the following : Verification of the new collection account and its accuracy. Evidence that the new creditor has a legal right to report this debt, particularly after the original collection account was disputed and removed. Enclosed, I have attached : XXXX. A copy of my credit report showing the previous dispute and removal of the original collection account. XXXX. Documentation of the new collection account added under XXXX XXXX XXXX. XXXX. My previous dispute letter, which led to the removal of the original collection account. I request that you immediately remove the newly added collection account from my credit report and take appropriate measures to ensure such deceptive reporting practices do not occur again. Please confirm in writing once this matter has been resolved and provide me with an updated copy of my credit report. Should you require additional documentation or information, feel free to contact me. Thank you for your prompt attention to this matter. Sincerely,

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 2024-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I learned today from my bank, Capital One Bank, that I am the victim of an employment scam. The scammers sent me PDFs of two purported checks, one on XXXX XXXX, XXXX  for {$3900.00} and the other on XXXX XXXX, 2024 for {$3100.00}, that Capital One now tells me are fraudulent. The scammers directed me to send all of the funds except for {$100.00} from each check that I could keep for myself to a purported third-party vendor to buy equipment for my work. Capital One cleared {$750.00} of the first check on XXXX XXXX, and then another {$750.00} on XXXX XXXX, so I sent the third party {$1400.00}, but Capital One now says I am responsible for paying them back all {$1500.00} that was " monetized. '' I have no problem with Capital One taking back the {$100.00} that is still in my checking account, but I do not see why I should be responsible for repaying them the {$1400.00} that went to the third party, which presumably is also associated with the scammers. In the meantime, Capital One has frozen all of my accounts with them, has denied me access to them, and has said that after this matter is resolved, I can never bank with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-12-27 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: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital one repeatedly sends emails to collect a credit card debt through email communication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

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 2024-12-27 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Lowes pay later account through synchrony bank offerd a loan to me less than what I needed so they ask me to pay {$71.00} on my credit card to them I did the loan never went through but they have my {$71.00} said no way to put it back on my card they could give me a check in a month? So they charged my for a loan I never received and kept my money interest free? This is a preditory company preying on people who desire loans for XXXX shopping

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 2024-12-27 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: GA

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-12-27 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: GA

Complaint narrative:
My privacy rights have been violated. Banking terms signed state my right to privacy and further state that the company does not share information with third party. Yet every month for the past 20 years, the Department of Education has shared my loan transaction and account balance information with third party credit reporting bureaus. This is a blatant violation of the banks own terms. It is the fiduciuary responsibility to keep my information private, and nit my information has been subject to various data breaches.

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 2024-12-27 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: GA

Complaint narrative:
My privacy rights have been violated. Banking terms signed state my right to privacy and further state that the company does not share information with third party. Yet every month for the past 20 years, the Department of Education has shared my loan transaction and account balance information with third party credit reporting bureaus. This is a blatant violation of the banks own terms. It is the fiduciuary responsibility to keep my information private, and nit my information has been subject to various data breaches.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: AZ

Complaint narrative:
Recently checking my credit report and noticed that I've been a victim of Identity theft and found numerous credit inquiries I have no knowledge of, here are the inquiries that I've found : XXXX. XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XX/XX/year>, PLEASE REMOVE THESE FRAUDUNENT INQUIRIES I ALSO ATTACHED MY FTC REPORT AS WELL

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 2024-12-27 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: CA

Complaint narrative:
My information was exposed 2 times in known data breaches ranging from XXXX. I have received inquiries on my credit that I do not recognize. I have received emails for companies that I have not shared my information with, these companies claim that they are a third party. In XX/XX/year> XXXX was under a cyber-attack leading to my personal information being exposed. This event led to the exposer of my personal information such as : Social Security Number, Home/ Mailing/Address and Name and Financial information. The most recent exposer came in XXXX leading to my information being compromised yet again from XXXX. I am experiencing a host of unknown accounts and unwanted emails from unfamiliar sources. 

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of the inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately. 

Accounts : XXXX XXXX XXXX- This account is being reported inaccurately. I request the removal of this item immediately. 
XXXX XXXX XXXX XXXXThe informatioXXXX being reported for this account is not accurate. Please remove this item from my credit report immediately XXXX XXXX XXXX The amount being requested is not at all accurate. I am requesting that the amount they are seeking be modified or deleted from my credit report immediately.

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 2024-12-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: MO

Complaint narrative:
I had internet service through XXXX who I paid a deposit to several years ago. XXXX was bought out by XXXX and I continued my service with them for a couple of years until their service became unreliable. I canceled that service in XX/XX/XXXX. At that time I was under the impression that I would get my deposit credited back to my final bill and the remainder would be sent to me. Nearly a year goes by without hearing anything from XXXX. On XX/XX/XXXX I noticed a collection account from Radius Global Solutions for {$190.00} listing the original creditor as XXXX. I wrote to Radius Global Solutions explaining the situation, disputed the debt, and requested debt verification. A few weeks later I received ( from XXXX ) a copy of a XXXX XXXX dated XX/XX/XXXX. This was apparently their validation of the debt. On XX/XX/XXXX I did an online chat with a XXXX rep. The only thing I was really after was an address of where I could send a dispute letter as there is not XXXX listed on their website. After XXXX minutes of " let me check with my supervisor '' back and forth, I was told that there was no address that I could send correspondence to because the " debt is valid ''. I explained that the FDCPA allows for a dispute process. XXXX still refused to provide me with any information on where or how to dispute the debt.

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