vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
For the most part, I have history of on-time payments with this company. There have been a couple of occasions where the payments have been delayed, but i have always brought the account current within a month. 
As soon as I am late, I begin getting multiple calls a day, all day including weekends from them looking for payments. I also get texts and emails at least XXXX times a week. The past due amount is less than {$100.00} so it's not as if I am heavily in debt. I find the number of calls, texts and emails to have reached harrassment at this point and would like something done so that they have to revise their policy on contacting late paying customers. I absolutely plan to pay the debt and have let them know it will be caught up in the month of XXXX. However, I am still getting called multiple times everyday.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: NV

Complaint narrative:
I am writing to share my concerns regarding several issues I've encountered with the credit bureau, including false account listings, inaccurate credit reporting, inconsistent billing, and accounts that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

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. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX, XXXX, and XXXX has continued to falsely report an unknown account from Midland Credit Management as being my account but this IS NOT MY ACCOUNT. After several attempts to secure verification from ALL PARTIES ( Midland Credit mgmt, and ALL 3 CREDIT Reporting Agencies ) I have NOT received any response nor have I received any Original Agreement containing my signatures as proof that this account is valid. This inaccurate and false reporting has caused great damage to my credit profile as well as major personal and professional issues as I have been unable to secure employment and residence due to this reporting violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

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. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-03 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: NY

Complaint narrative:
Due to a data breach, my personal information was compromised, resulting in unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me but remain on my report, adversely affecting my credit profile. Despite my efforts to resolve these inaccuracies, they persist, raising significant concerns about the security of my personal information and the accuracy of 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 non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: MN

Complaint narrative:
received an alert on my credit profile regarding this alleged debt, which is not mine. As a victim of identity theft, this is fraudulent and part of an ongoing civil litigation matter ( XXXX XXXX : XXXX ). You have less than one hour to remove this debt from my credit profile. Failure to do so will result in the immediate filing of a police report, and this violation will be submitted as additional evidence in my civil litigation suit. 
found debt collector in my email spam box Violations and Concerns : Debt Parking : Placing or reporting this debt on my credit report without prior verification violates federal law. The Federal Trade Commission ( FTC ) has explicitly addressed this illegal practice and holds debt XXXX accountable for such actions. 

Failure to Validate Debt : As per 15 U.S. Code 1692g, I have not received sufficient evidence to substantiate this debt, including : Verification of the debt. 
A copy of a valid judgment, if applicable. 
The name and address of the original creditor. 
Inaccurate Reporting : Reporting debts without proper investigation and validation constitutes a breach of the FCRA, which requires reasonable investigation of disputes. Your failure to contact me prior to reporting this debt or conduct a reasonable investigation is a clear violation. 

Required Actions : Cease Communication : Immediately cease all attempts to contact me regarding this debt. 
Cease Reporting : Remove any reporting of this debt from all credit reporting agencies. 
Provide Verification : If you claim this debt is valid, send me documented proof, including all required information under 15 U.S. Code 1692g, within 1 day. 
Failure to comply with this request will result in a formal complaint being filed with the FTC, the Consumer Financial Protection Bureau ( CFPB ), and my state attorney generals office. Additionally, I will pursue all legal remedies available, including seeking damages under federal and state law. 

This letter serves as my written dispute and notification that all communications regarding this matter must be in writing. Do not contact me by phone or other means.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: LA

Complaint narrative:
Due to a data breach, my personal information was compromised, resulting in unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me but remain on my report, adversely affecting my credit profile. Despite my efforts to resolve these inaccuracies, they persist, raising significant concerns about the security of my personal information and the accuracy of 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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The following incorrect information is currently listed on my Transunion credit report : 1. Address 1 : XXXX XXXX XXXX XXXX XXXX, SC XXXX ( Incorrect ) 2.. Address 2 : XXXX XXXX XXXX, XXXX, NC XXXX ( Incorrect ) Consumer Rights : As a consumer, I understand that I have the right to dispute inaccurate information on my credit report. Under the FCRA, credit reporting agencies are required to investigate disputes promptly and ensure the information they provide is accurate. 

CFPBs Role : I am reaching out to the CFPB to ensure XXXX addresses this matter promptly and complies with its obligation to provide accurate credit reporting. 

Supporting Documentation : If necessary, I am prepared to provide proof of my identity and address to facilitate this process. 

Conclusion : I appreciate your assistance in ensuring that XXXX corrects these inaccuracies to prevent any further inconvenience or potential issues.

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 2024-12-03 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-12-03 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: CITIBANK, N.A.
State: UT

Complaint narrative:
A hard credit check was done on XX/XX/year> from XXXX XXXX ( XXXX  ) and CBNA ( bank ) which were not authorized by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
On XX/XX/XXXX I did XXXX instant transfer of money from my XXXX XXXX account to my PayPal debit card. - XX/XX/2024 Transaction # XXXX : {$150.00} ( there was a fee of {$2.00}, so the amount transferred to PayPal was {$140.00} ) - XX/XX/2024 Transaction # XXXX : {$5.00} ( there was a fee of {$0.00}, so the amount transferred to PayPal was {$4.00} ) PayPal showed that there was XXXX pending unclaimed transfers on my account. I never had any transfers show as unclaimed before. Shortly after, PayPal rejected the transfers, declining to accept the money to be added to my balance. PayPal Customer Service states that since the transfer was declined, the money was never received by them and the funds should have been sent back and refunded to XXXX XXXX. XXXX XXXX says, the transfers show that they were successful on their end and the money was delivered. They do not show that a refund was ever initiated by PayPal. I provided XXXX XXXX with proof that the money was rejected by PayPal, and they still close my case and do not issue a refund. I called PayPal customer support and they asked that I XXXX call Cash App XXXX XXXX can explain the money was never received and Cash App XXXX XXXX the call when they were notified that PayPal was XXXX the line. I have tried to open a case 2 times with XXXX XXXX and they decline every one. I am unable to open a dispute on PayPal, it says that there has been an error when I try. I have contacted Customer support on XXXX XXXX, 2024, XXXX XXXX, 2024, XX/XX/2024, XXXX XXXX 2024. Each time they state that there is nothing they can do as it shows they never recieved. they have a transaction ID for each transaction, ( XXXX & XXXX ) they are able to track and trace using that and they will not do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX has always been paid on time with auto drafted payments. 100 % on time. During some kind of internal process, XXXX XXXX caused the account to show late fees and late payment of every single payment ever made to the account. This was reported to credit agency and crashed my credit score from XXXX to 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 2024-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
To whom it may concern, I recently received a copy of my credit report, I am concerned about the accuracy of the report. Please investigate. According to the FCRA, accounts that have been disputed by the consumer must be notated as such. Failure to adhere is a violation and shall result in deletion of such accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: TX

Complaint narrative:
YOUR COMPLAINT I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Please provide me with the following : ( XXXX ). Full accounting for this account : ( XXXX ). Copy of the assignment of purchase from the creditor ( XXXX ). Every charge and what was purchased, fee, payment, credit, interest ( XXXX ). How you calculated what you claim I owe ( XXXX ). ( XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ). Full chain of assignments from charge off to present ( XXXX ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract ( XXXX XXXX XXXX sect. XXXX ) & ( XXXX XXXX XXXXXXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: MO

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 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 2024-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
this is the message i receive from them 5 days ago " We are delaying the availability of funds that were deposited to your account ending in XXXX as part of the following transaction : XXXX date : XX/XX/2024 Item amount : {$20000.00} Funds available on : XX/XX/2024 " then today i wake up my account has been restricted with no notice of information about the cashier check i deposited into my account.

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