vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-11 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: MO

Complaint narrative:
Upon reviewing my credit report, I observed inaccuracies in the listed accounts that need to be reported and corrected by your company.

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 2024-04-11 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: MO

Complaint narrative:
Upon reviewing my credit report, I observed inaccuracies in the listed accounts that need to be reported and corrected by your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive been making regular payments to my XXXX credit card and they have been reporting me deliquent and affecting my credit negativity. Ive been contacting the card company and they refuse tk help me instead they have closed the account and put my account as delinquent. Included in the attachments are screenshots from my babk account of the payments that have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-11 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-11 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company 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 2024-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

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

Company 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 2024-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: AXOS FINANCIAL, INC.
State: TX

Complaint narrative:
Axos bank is denying my application for an account and citing XXXX as the reason. I have obtained my report from XXXX and there is not a single derogatory item in the report. XXXX is refusing to tell me why they will not approve me to open an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: IA

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 XXXX 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 2024-04-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/2024 I requested my XXXX XXXX account be cloed and send me a check in the amount of {$120000.00}. After a few days they only told me the account was closed and wait for a check. After a week I phoned each day and was told it would be in the mail tomorrow. 

After XXXX weeks I am now being told to request a replacement check I did so on their form in writing and notorized and requested it be sent registered. They tell me each day it will be looked at and approved by a supervisor. Still nothing. I ask everyday for a supervisor. They refuse. 

I want my money and no more " Call Tomorrow '' answers XXXX XXXX XXXX Ally Bank Case # 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 2024-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Im not liable for this debt with Midland credit management. I do not have a contract with them. They did not provide me with a contract as requested. I demand this account be removed from my credit report. This is defamation of character pursuant to 15 usc 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX was previously filed this month. I am writing to file a formal complaint against Capital One regarding egregious misconduct and mishandling of my credit card accounts. This complaint serves as an update to the case number referenced above, which was filed earlier this month. 
On XX/XX/2023, Capital One 's fraud unit acknowledged fraudulent activity on XXXX of my XXXX accounts and accepted responsibility for the occurrence of the fraud. However, I was unjustly accused of " XXXX XXXX XXXX '' without any explanation or evidence provided by Capital One to support this accusation. When I sought clarification on what " XXXX XXXX XXXX  '' entailed and how I supposedly engaged in it, Capital One refused to disclose their rationale behind this determination. 
Furthermore, when I contacted Capital One on XX/XX/2023, to report the fraud, they initially denied any record of my complaint. Only after I provided evidence of the call through my phone records did the fraud specialist acknowledge the call. Similarly, in XXXX, when I requested to deactivate my credit cards due to theft of my wallet and phone, Capital One first denied the existence of this call, then admitted to it but claimed that I only requested to deactivate XXXX card and not all automatic payments. Subsequently, when confronted with evidence of the call, the specialist provided inconsistent and contradictory explanations, displaying a lack of transparency and accountability. 
Capital One 's failure to address the fraudulent charges on my accounts and their mishandling of my requests in XXXX resulted in my cards exceeding the credit limit and incurring over XXXX returned payments. This not only impacted my credit score but also subjected me to additional financial burden and stress. 
Moreover, by repeatedly exceeding the credit limit and breaching the terms of the card agreement, Capital One has demonstrated a blatant disregard for consumer rights and financial responsibility. Such behavior is unacceptable and warrants immediate investigation and action by the Consumer Financial Protection Bureau. 
I urge you to thoroughly investigate the fraudulent activity and mishandling of my accounts by Capital One and take appropriate measures to hold them accountable for their actions. I also request prompt resolution and restitution for the damages incurred due to their negligence and misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: CA

Complaint narrative:
my information has been used without my consent and I want to remove all these inquiries off my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-11 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: PA

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

Account XXXX : XXXX XXXX XXXX Partial Acct # : XXXX has violated my rights. 

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 antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) Section States : 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 2024-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Reported unauthorized transactions on my account and was told credit should be in account XXXX days ago by many different agents still no provisional credit given I am behind on rent and light bill and also in danger of eviction with XXXX children. Was denied escalation for ( hardship ) provisional after explaining I'm behind on bills

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 2024-04-11 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: NJ

Complaint narrative:
This complaint concerning my credit report, which contains inaccuracies requiring your attention. Specifically, I dispute this account : XXXX XXXX. 

The basis for my dispute is the lack of sufficient information provided by your agency to verify the debt in question. Both XXXX and XXXX, other credit bureaus, have already rectified the inaccuracies in this account from their records due to identified errors. I am perplexed as to how your agency has verified this account while the other bureaus have updated them. Therefore, I request that you correct this account in my credit file as they are inaccurate, erroneous, incomplete, or unverifiable.

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 2024-04-11 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: CA

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 XXXX 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 2024-04-12 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: NY

Complaint narrative:
I am writing to express my profound dissatisfaction with the ongoing presence of a fraudulent account on my credit report. Upon reviewing my credit report, I discovered this account that do not belong to me. Therefore, I request the removal of this account from my credit report.I request that you conduct a investigation into this account and promptly remove it from my credit report. Please inform me if you require any additional information or documentation from me to facilitate this process. 


XXXX XXXX XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2024-04-12 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: NY

Complaint narrative:
I am writing to express my profound dissatisfaction with the ongoing presence of a fraudulent account on my credit report. Upon reviewing my credit report, I discovered this account that do not belong to me. Therefore, I request the removal of this account from my credit report.I request that you conduct a investigation into this account and promptly remove it from my credit report. Please inform me if you require any additional information or documentation from me to facilitate this process. 


XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: SC

Complaint narrative:
HELVEY & ASSOCIATES INC Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, IN XXXX Account Number XXXX  Balance {$4200.00} Dates of Dispute & Letter of Complaint XX/XX/XXXX & XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: CA

Complaint narrative:
According to FCRA 605B, we got ta take off wrong stuff from my credit report. Can you look at the papers? Some accounts listed aren't right. They need to go ASAP.

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 2024-04-11 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:
In accordance with the Fair Credit Reporting act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX Account # that starts with XXXX XXXXXXXX XXXX  XXXX XXXX # XXXX XXXX XXXX Account # that starts with XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX Account # that starts with XXXX XXXX XXXXXXXX Account # that starts with XXXXXXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Accpunt # XXXX XXXX XXXX XXXX Account # that start with XXXX XXXX Account # that starts with XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # that starts with XXXX XXXX XXXX Account # XXXX XXXX U.S.C. XXXX  Section XXXX A. States I have a right to privacy XXXX  U.S.C. XXXX Section XXXX  Section XXXX  It Also states that a consumer reporting agency can not furnish an account without my written instructions XXXX  U.S.C. XXXXc ( A ) XXXX XXXX ) Section States No consumer reporting agency may make any consumer report containing the following items of information. Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than XXXX years XXXX U.S.C. XXXXs-XXXX ( A ) ( XXXX ). 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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX Account # that starts with XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX Account # that starts with XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # that starts with XXXX XXXX  XXXX Account # that starts with XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account # that start with XXXX XXXX Account # that starts with XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # that starts with XXXX XXXX XXXX Account # XXXX 15 U.S.C. 1681 Section 602 A. States I have a right to privacy 15 U.S.C. 1681 Section 604 Section 2. It Also states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c ( A ) ( 5 ) Section States No consumer reporting agency may make any consumer report containing the following items of information. Any other adverse item of information, other than records of conviction 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 explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Venmo for the XXXX this year has suspended my account for no good reason. All of my transactions are perfectly fine and normal. But this lackluster company has been screwing me repeatedly. I will sue if this doesn't work

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Company did not provide information necessary to validate this claim and fraudulently claimed it was involved with litigation.

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