vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
Submitted a dispute with USAA on XXXX XX/XX/2023 after XXXX delivered the completely wrong order ( a significantly cheaper order ) and refused to refund me multiple times. I submitted the receipt and photos of what was delivered to me as well as 3 chat logs where XXXX admitted they made a mistake and said I deserved a refund but due to policy, they could not grant one. I submitted this 3 times to the USAA dispute portal. After 60 days they said they had not received them so I called them at the end of XXXX and they asked me to resubmit a different way. This time they received all documentation and I received confirmation. It then was sent to the merchant and it has been in a waiting for Merchant 's Response status ever since. On XX/XX/XXXX I received a letter from USAA saying after a thorough and reasonable investigation was performed and reviewing all internal records and relevant information it was determined that no error was made and they would reverse the XXXX credit for they granted me. However, as of today XXXX XXXX the dispute status still shows waiting for XXXX 's response. I don't know how thorough an investigation it was that they found in the merchant 's favor when the Merchant still hasn't responded to the dispute. I contacted USAA on Monday XX/XX/XXXX to ask for the documentation that they used to come to their conclusion as their letter said I had that right. They submitted the request to their internal security team but as of XXXX XXXX XXXX still have responded but on XXXX XXXX they debited my account for XXXX. I feel like they closed this investigation without any action and without gathering any facts as the only evidence they have is mine and yet they found for the merchant.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There were a number of fraudulent accounts listed on my credit report all were removed accept XXXX XXXX date opened XX/XX/2022.

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 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There were a number of fraudulent accounts listed on my credit report all were removed accept XXXX XXXX date opened XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
HI 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
HI 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 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
HI 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 non-monetary relief
Consumer complaint received 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have almost four years of Capital One membership, and during that time I have never missed a payment and have always paid the whole amount due. Capital One recently terminated my account without giving me any prior warning, and when they did, they reported the existing balance I had at the time to the credit bureaus. I have a credit score in the XXXX, and this caused it to plummet by about XXXX points. I called Capital One and requested that they make an update to my credit records to reflect that I currently have no debt. I explained that my unexpected decline in score may result in me losing my mortgage. They declined. I had only recently qualified for a mortgage. Section 623 of The Fair Credit Reporting Act, 15 U.S.Code 1681s2. Requires data furnishers to report accurate information and update inaccurate information if notified. It is the responsiblity of the data furnisher to update accounts after being notified of a inaccuracy and report financial information appropriately. You have been informed that the account is reporting inaccurate information and that you are breaking the law if you continue to do so. I am a litigious consumer. My ability to obtain loans, mortgages, housing opportunities, and employment offers that are firm may be affected by your reporting. If you don't change this to reflect my actual creditworthiness, i will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
The collection Portfolio Recovery Associates , LLC Keeps on calling me everyday collecting for a credit card debt XXXX that was discharged by the company years ago when I got sick from XXXX XXXXXXXX. The letter they send me says Account XXXX for the amount of XXXX I don't remember the amount but it wasn't that. 
I requested in writing for proof or paper work of this from the original company and didn't get a response. 
This company likes to collet on closed and discharged accounts they did it to me before. 
Can you please look into this. 
The addresses for Porfolio recovery they send are XXXX XXXX XXXX, XXXX, Virginia XXXX and the number XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX and XXXX XXXX XXXX XXXX VA XXXX They call from a different number and different area codes every time Thank you for your help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
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 Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
HI 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed fraudulent transactions on the XXXX account and disputed the inaccurate derogatory reporting to the credit bureaus for years, but none have done anything to correct the problem. Even nowXXXX XXXX months after receiving an XXXX  XXXX XXXX from XXXX Bank in XX/XX/2022, they are still reporting monthly derogatory and harassing statements and data to credit reports and inaccurate account date with an outstanding balance and severe delinquencies. 
In their letter to me they stated they will continue to report the inaccurate information to credit Bureaus until I ask them to stop. This is unacceptable purposefully harmful behavior and harassment that they intend to continue until the XXXX year data cutoff. 
Their harassment and behavior can only be to continue to inflict more harm and more damage to my personal and financial security. 
Ive requested they stop and correct the record and issue a statement to me and forward the details of their harassing behavior and steps they are taking to resolve the emotional, financial, punitive and pain and suffering they have caused and continue to cause me so can restore the damage they have inflicted.

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 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
I have disputed fraudulent transactions on the XXXX account and disputed the inaccurate derogatory reporting to the credit bureaus for years, but none have done anything to correct the problem. Even now, XXXX  months after receiving an XXXX  XXXX XXXX from Discover Bank in XX/XX/2022, they are still reporting monthly derogatory and harassing statements and data to credit reports and inaccurate account date with an outstanding balance and severe delinquencies. 
In their letter to me they stated they will continue to report the inaccurate information to credit Bureaus until I ask them to stop. This is unacceptable purposefully harmful behavior and harassment that they intend to continue until the XXXX year data cutoff. 
Their harassment and behavior can only be to continue to inflict more harm and more damage to my personal and financial security. 
Ive requested they stop and correct the record and issue a statement to me and forward the details of their harassing behavior and steps they are taking to resolve the emotional, financial, punitive and pain and suffering they have caused and continue to cause me so can restore the damage they have inflicted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
HI 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 2023-05-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ENOVA INTERNATIONAL, INC.
State: NJ

Complaint narrative:
I understand when under duress I will do what is necessary and needed to stay solvent. I did not completely read the fine print only to find exorbitant monthly payments but the terms of the loan is for 60 months and interest rates beyond reasonable. I have a modified payment plan for $ XXXX while my credit reports are showing 90 days delinquencies and the current total is {$7500.00} with a principle amount of {$5800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Atlanticus Services Corporation
State: DC

Complaint narrative:
I have not received a 1099-C form from the creditor, which would indicate that the debt was cancelled or forgiven. Without this form, I believe it is inaccurate and unfair to report it as a write-off on my credit report per code 6050p of the Internal Revenue Service .

As a responsible borrower, I have always made an effort to pay my debts on time and in full. Therefore, it is particularly distressing to have a write-off reported on my credit report, especially when I have not received any notification or documentation indicating that the debt has been cancelled or forgiven.

I request that you investigate this I have not received a 1099-C form from the creditor, which would indicate that the debt was cancelled or forgiven. Without this form, I believe it is inaccurate and unfair to report it as a write-off on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Trans Union and XXXX Dear XXXX, I am writing to request that you remove the following information from my credit report due to lack of proof of debt : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have requested proof of debt from the creditor and have not received it within the required five days. According to the Fair Credit Reporting Act ( FCRA ), if a creditor does not provide sufficient proof of debt within five days of your request, they are not allowed to continue pursuing you for the debt. That includes listing the debt on your credit report. Therefore, I am requesting that this information be removed from my credit report immediately. 
If this information is not removed from my credit report within 30 days of receipt of this letter, I will be forced to take legal action against you for violating my rights under the FCRA. 
Thank you for your prompt 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 2023-05-27 00:00:00
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I bought tickets for XXXX XXXX from XXXX. When I got to XXXX XXXX the employees tried to take my tickets away and force me to give them cash to buy new tickets I gave them my credit card under duress because I thought my credit card would be on my side. 
Why would I buy two tickets for the full price when I bought tickets online for half the price. 

My credit card company said tickets are none refundable I have to contact the company the threaten me with the police.

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 monetary relief
Consumer complaint received 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX and Experian Dear XXXX, I am writing to request that you remove the following information from my credit report due to lack of proof of debt : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have requested proof of debt from the creditor and have not received it within the required five days. According to the Fair Credit Reporting Act ( FCRA ), if a creditor does not provide sufficient proof of debt within five days of your request, they are not allowed to continue pursuing you for the debt. That includes listing the debt on your credit report. Therefore, I am requesting that this information be removed from my credit report immediately. 
If this information is not removed from my credit report within 30 days of receipt of this letter, I will be forced to take legal action against you for violating my rights under the FCRA. 
Thank you for your prompt 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 explanation
Consumer complaint received 2023-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
I have disputed fraudulent transactions on the XXXX account and disputed the inaccurate derogatory reporting to the credit bureaus for years, but none have done anything to correct the problem. Even now, 6 months after receiving an IRS Form -1099-C from Discover Bank in XX/XX/2022, they are still reporting monthly derogatory and harassing statements and data to credit reports and inaccurate account date with an outstanding balance and severe delinquencies. 
In their letter to me they stated they will continue to report the inaccurate information to credit Bureaus until I ask them to stop. This is unacceptable purposefully harmful behavior and harassment that they intend to continue until the 10 year data cutoff. 
Their harassment and behavior can only be to continue to inflict more harm and more damage to my personal and financial security. 
Ive requested they stop and correct the record and issue a statement to me and forward the details of their harassing behavior and steps they are taking to resolve the emotional, financial, punitive and pain and suffering they have caused and continue to cause me so can restore the damage they have inflicted.

Company response to consumer: Closed with explanation