vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 studying 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 XXXX out of XXXX 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-04-22 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: TX

Complaint narrative:
Subject : Failure to Correct Duplicate Student Loan Entries by Experian I am filing this complaint due to Experian 's repeated failure to correct significant errors on my credit report. Despite multiple disputes filed regarding the inaccurate duplication of student loan entries by the Department of EducationXXXX XXXX Experian has not taken appropriate action to resolve these errors. 

Detailed Issue : Nature of Dispute : My credit report incorrectly displays multiple entries for student loans originally held by the Department of EducationXXXXXXXX but were transferred to XXXX XXXX XXXX These loans are still appearing as active under the Department of EducationXXXX on my credit report, with duplicate entries updated as of XX/XX/2023, for various amounts, totaling 15 erroneous entries.

Dispute History with Experian : I have disputed these inaccuracies with Experian on multiple occasions. Each time, my dispute has been either dismissed or inadequately addressed, with no proper investigation or correction made. This continuous oversight on XXXX part is unacceptable and unprofessional, contributing to ongoing inaccuracies in my credit profile. 

Impact of Inaccurate Reporting : These duplicated entries misrepresent my debt level and creditworthiness, potentially affecting my financial stability and ability to secure future credit opportunities at favorable rates. The lack of resolution from Experian has directly impacted my financial health.

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 2024-04-22 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: LEXISNEXIS
State: KY

Complaint narrative:
Lexisnexis just sent me a letter stating that they are unable to Process my request because they NO LONGER have the unauthorized Public RecordsXXXX XXXX bankruptcy on their database. However I am fully aware that Lexisnexis only deleted my public information off their database after I complained to the CFPB and XXXX. Before that time Lexisnexis illegally accessed my public records and illegally sold my information to the credit bureaus. I have several questions for Lexisnexis. 

XXXX. Did your company obtain my public records without my authorization in XXXX? 
XXXX. Why was I given a new Consumer Number and Case Number then the one I had in XXXX? 
XXXX. Did Lexisnexis sell or resell my public records/ XXXX  XXXX bankruptcy to any third party credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX? In XXXX? 
XXXX. Did Lexisnexis obtain my public records and disclosed Any of my information from the XXXX  XXXX bankruptcy to any third party company in XXXX? 
XXXX. If Lexisnexis obtained and resold my public records without my authorization in XXXX is that breaking the XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
loan was paid its been reporting two different balance amounts this is inaccurate information being reported and under the section 809 of the FDCPA act if there's inaccurate information it must be removed 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 explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I HAVE PREVIOUSLY XXXX  court central C XXXX XXXX XXXXXXXX XXXX XXXX  XXXX. Docket number XXXX as the court dose not report bankruptcies to the CRA and i did not give any other agency to report my information WITH YOU, AND IN RESPONSE. YOU VERIFIED THE ITEM AS ACCURATE. STATIN THAT YOU HAVE VERIFIED THE INFORMATION WITH THE COURT. 
I CONTACTED THE COURT, AND THEIR RESPONSE IS ENCLOSED. 
IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER THEREFORE. YOUR INITIAL RESPONSE VERIFYING THE ITEM WITH THE COURT XXXX EITHER AN ERROR OR A LIE. 
EITHER WAY, THE REPORTING REQUIREMEN DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 1681I ). AND THE XXXX MUST BE DELETED 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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: TX

Complaint narrative:
Subject : Failure to Correct Duplicate Student Loan Entries by XXXX I am filing this complaint due to XXXX 's repeated failure to correct significant errors on my credit report. Despite multiple disputes filed regarding the inaccurate duplication of student loan entries by the XXXX XXXX XXXX XXXX XXXX has not taken appropriate action to resolve these errors. 

Detailed Issue : Nature of Dispute : My credit report incorrectly displays multiple entries for student loans originally held by the XXXX XXXX XXXXXXXX but were transferred to Edfinancial Services XXXX These loans are still appearing as active under the XXXX XXXX XXXXXXXX XXXX XXXX credit report, with duplicate entries updated as of XX/XX/2023, for various amounts, totaling XXXX erroneous entries. 

Dispute History with XXXX : I have disputed these inaccuracies with XXXX on multiple occasions. Each time, my dispute has been either dismissed or inadequately addressed, with no proper investigation or correction made. This continuous oversight on XXXX part is unacceptable and unprofessional, contributing to ongoing inaccuracies in my credit profile. 

Impact of Inaccurate Reporting : These duplicated entries misrepresent my debt level and creditworthiness, potentially affecting my financial stability and ability to secure future credit opportunities at favorable rates. The lack of resolution from XXXX has directly impacted my financial health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: FL

Complaint narrative:
On my XXXX XXXX account number XXXX, I have maintained a flawless payment record, ensuring that I never missed a payment deadline on both XX/XX/XXXX and XX/XX/XXXX. To my astonishment, upon scrutinizing my XXXX credit report, I was taken aback to discover a glaring discrepancy indicating that I made a timely payment on XX/XX/XXXX but was late on XX/XX/XXXX. This misinformation was deeply concerning, as it directly conflicted with my meticulously kept payment history. Strangely enough, when cross-referencing the information with XXXX and TransUnion, these credit bureaus reported that I was late on XX/XX/XXXX but punctual with my payment on XX/XX/XXXX, aligning accurately with my factual payment records. The inconsistency among the credit reporting agencies has sparked significant unease and apprehension regarding the accuracy and reliability of my credit report, potentially impacting my credit score and financial standing unjustly. In light of recent developments for credit consumers, a groundbreaking legislation has been passed that aims to revolutionize credit reporting standards, emphasizing greater precision, fairness, and transparency in the system. These new regulations herald an era of enhanced consumer protection, empowering individuals with stronger rights to dispute inaccuracies, demand corrections, and ensure the integrity of their credit information. In light of these changes, I unequivocally demand the immediate removal of the erroneous late payments from my credit report, as they are unequivocally false and unjustly tarnishing my credit history. It is imperative that the credit reporting agencies rectify this error promptly to uphold the integrity of the credit reporting system and safeguard my financial reputation.

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 2024-04-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Someone made XXXX unauthorized purchases using my physical Capital Once Venture X credit card without my knowledge on XX/XX/2024 at a XXXX ( {$130.00} ) and a XXXX store ( {$100.00} ) in XXXX, XXXX. I was not physically in XXXX at the time and I was not aware that my physical card was stolen. However, Capital One sent me a fraud resolution letter claiming that, information we discovered leads us to believe you or another account user benefitted from the transactions. When I confronted a Capital Once agent over the phone to re-open the investigation, she said that it was my responsibility, not theirs, to rectify this crime with the merchants directly. I have been in contact with these merchants but have not heard of any updates. Im currently in the process of filing a police report with the local precinct hoping to obtain more evidence, such as footage at the stores, that I did not make these purchases.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime had my money hostage since Friday I sent all documents needed no one is helping the rep hung up on me I need the money to take care of my kids I dont have no money for gas or food This is causing me a very hard ship I cant get in touch with XXXX This is horrible

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: IA

Complaint narrative:
I HAVE CONTINUOUSLY CHALLENGED THE INACCURACIES IN THE INFORMATION PROVIDED TO XXXX, XXXX, AND TRANSUNION. UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED AT THIS TIME. AS CONSUMER, I AM REALLY SO FRUSTRATED THAT NO ACTION IS BEING TAKEN BY THE FOLLOWING BUREAUS : XXXX : XXXX. Under XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX Account Number : XXXX This information has been disputed. However, this report is still showing the information inaccurately. This is a direct violation of XXXX XXXX Code XXXX ( a ) ( XXXX ) ( B ) and ACCOUNT NAME AND NUMBER must be removed.. 


XXXX : XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XX/XX/XXXX XXXX. Under XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX Account Number : XXXX This information has been disputed. However, this report is still showing the information inaccurately. This is a direct violation of XXXX XXXX. 
Code XXXX ( a ) ( XXXX ) ( B ) and { ACCOUNT NAME AND NUMBER } must be removed. 
XXXX. Under XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX XXXX  Account Number : XXXX This information has been disputed. However, this report is still showing the information inaccurately. This is a direct violation of XXXX XXXX. 
Code XXXX ( a ) ( XXXX ) ( B ) and this account not mine must be removed TRANSUNION : XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. Under XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX XXXX  Account Number : XXXX This information has been disputed. However, this report is still showing the information inaccurately. This is a direct violation of XXXX XXXX. 
Code XXXX ( a ) ( XXXX ) ( B ) and this account not mine must be removed

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 2024-04-22 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: IA

Complaint narrative:
I HAVE CONTINUOUSLY CHALLENGED THE INACCURACIES IN THE INFORMATION PROVIDED TO XXXX, EXPERIAN, AND XXXX. UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED AT THIS TIME. AS CONSUMER, I AM REALLY SO FRUSTRATED THAT NO ACTION IS BEING TAKEN BY THE FOLLOWING BUREAUS : XXXX : XXXX. Under XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX Account Number : XXXX This information has been disputed. However, this report is still showing the information inaccurately. This is a direct violation of XXXX XXXX Code XXXX ( a ) ( XXXX ) ( B ) and ACCOUNT NAME AND NUMBER must be removed.. 


EXPERIAN : XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XX/XX/XXXX XXXX. Under XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX Account Number : XXXX This information has been disputed. However, this report is still showing the information inaccurately. This is a direct violation of XXXX XXXX. 
Code XXXX ( a ) ( XXXX ) ( B ) and { ACCOUNT NAME AND NUMBER } must be removed. 
XXXX. Under XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX XXXXXXXX Account Number : XXXX This information has been disputed. However, this report is still showing the information inaccurately. This is a direct violation of XXXX XXXX. 
Code XXXX ( a ) ( XXXX ) ( B ) and this account not mine must be removed XXXX : XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. Under XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX XXXX Account Number : XXXX This information has been disputed. However, this report is still showing the information inaccurately. This is a direct violation of XXXX XXXX. 
Code XXXX ( a ) ( XXXX ) ( B ) and this account not mine must be removed

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 2024-04-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XXXX tried to bill us early termination after paying for their service for 10 years. We refused to pay and it went into collections. Portfolio Recovery has been attempting to collect for the past several years. They constantly call that get ignored. They somehow got into some credit card information that has nothing to do with this, get a name of a person that is not related to me ( volunteers with me ) and then contact her saying " they are trying to get paid for an outstanding debt '' She has saved the message left on her phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: KY

Complaint narrative:
After reviewing my credit report, I have identified some information that were not authorized. I'm a victim of Identity theft and this 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 2024-04-22 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: IN

Complaint narrative:
While checking my most recent credit report, l noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 did not authorize anyone employed from this companies to make inquiries and view my credit report. In addition, l did not give you ( credit reporting agency ) permission to furnish this information onto my credit report. This is a violation of the credit reporting act section 1681b ( c ) which constitutes as fraudulent activity but it's a serious breach of my privacy right.

Please validate this information with these companies and provide me with the copies of any document associated with these accounts bearing my signature, authorized an inquiries.

In the absence of any such documentation bearing my signature, l formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: IN

Complaint narrative:
While checking my most recent credit report, l noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 did not authorize anyone employed from this companies to make inquiries and view my credit report. In addition, l did not give you ( credit reporting agency ) permission to furnish this information onto my credit report. This is a violation of the credit reporting act section 1681b ( c ) which constitutes as fraudulent activity but it's a serious breach of my privacy right.

Please validate this information with these companies and provide me with the copies of any document associated with these accounts bearing my signature, authorized an inquiries.

In the absence of any such documentation bearing my signature, l formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under social security number.

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