vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-05 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: MI

Complaint narrative:
This is my second request to delete LATE payments reported this Account needs to be updated as PAID as agreed NOT reported as LATE payments. According to Congress Federal law fair credit report act 15 USC 160 8 1AN definition exclusions contract in civil my ability for willful noncompliance erase and discharge the line of credit and transactions experiences that show late payments payment history and new credit. This shall be excluded on consumer reports you also need to show original agreement with signed wet ink signature for the following accounts I never gave permission to report this. also violates 15 USC 160 81EB delete these late reported account accounts immediately. Update XXXX XXXX XXXX XXXX # XXXX An update all of my consumer reports to paid as agreed NOT Reported LATE. Update these today and send me a new credit report that has been updated. Thank you, 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 2025-01-05 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: MI

Complaint narrative:
This is my second request to delete LATE payments reported this Account needs to be updated as PAID as agreed NOT reported as LATE payments. According to Congress Federal law fair credit report act 15 USC 160 8 1AN definition exclusions contract in civil my ability for willful noncompliance erase and discharge the line of credit and transactions experiences that show late payments payment history and new credit. This shall be excluded on consumer reports you also need to show original agreement with signed wet ink signature for the following accounts I never gave permission to report this. also violates 15 USC 160 81EB delete these late reported account accounts immediately. Update XXXX XXXX XXXX XXXX # XXXX An update all of my consumer reports to paid as agreed NOT Reported LATE. Update these today and send me a new credit report that has been updated. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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: NY

Complaint narrative:
In my EQUIFAX report there are inquiries that I do not make and I do not know, and I need them to remove these from my credit report, I already contacted the entities that made the inquiries and they told me that I should contact the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bounce AI, Inc.
State: MI

Complaint narrative:
called each company below and asked for purchase agreement which I did not receive. Would you please verify that these collection are 100 % accurate and if not please remove them from my credit report. 
Bounce AI INC. Acct # XXXX for {$680.00} XXXX XXXX XXXX Acct # XXXX {$600.00} XXXX XXXX  Acct # XXXX $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: IL

Complaint narrative:
XXXX Showes me with a XXXX Credit Score and the XXXX XXXX auto loan showed as Exceptional Payment History on XX/XX/XXXXXXXX  when Discover Card checked my credit for a Discover Credit card on XX/XX/XXXXXXXX. Discover declined my credit application with misinformation and untruth information regarding my auto loan stating as their reason for the decline of credit as " number of Months since most recent Inquiry, Number of Credit Bureau Inquiries and the most egregious LIE was " Insufficient Balance Decrease on Auto Loan ''. I purchased a XXXX XXXX XXXX for my nephew in XXXX of XXXX financed by XXXX XXXX. When my nephew gave me his payment, I would add an additional payment periodically to the point of being 5 months ahead on the payment at one time, but when paying for a XXXX birthday party for myself, I lost track of how far ahead we were on the loan and immediately paid it when it was only XXXX weeks late. Discover blamed the information on XXXX 's credit report. When I received XXXX 's report it showed Exception Payment History on XX/XX/XXXX not only for XXXX XXXX but for all of my credit reporting accounts. I wrote to Discover explaining all of this, even showing them XXXX 's Credit Report and a XXXX in their XXXX XXXX XXXX XXXX XXXX has ademantly refused to admit that their description of " Insufficient Balance Decrease on Auto Loan '' is incorrect. They gave this same lying answer to the Ill Attorney General even though I provided my credfit report and finally the Delaware Dept of Justice since Discover is incorporated in Delaware referred me to the Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: NV

Complaint narrative:
I purchased XXXX {$200.00} prepaid VISA gift cards through XXXX. 
A day later I noticed that someone used all the cards at the exact same time with the exact same merchant for the total amount on each card ( {$200.00} ). 
I immediately called Incomm customer service ( card issuer ) and reported the fraudulent transactions. 
They opened up XXXX disputes regarding each card for {$200.00} each and temporarily blocked all cards. 
Dispute ID 's : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They told me the investigation would take 90 days and I should get a resolution by that day. 
On XX/XX/XXXX and XXXX I received an email regarding each dispute case about the resolution. As a reminder each of the XXXX disputes was about the same/similar transaction with the same merchant at the same time and the same amount on each of the XXXX cards. 

Incomm determined that dispute ID XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has been granted and resolved and a check of {$200.00} for each dispute will be sent to me within XXXX weeks. A couple weeks later I received XXXX checks for {$600.00} each meaning the XXXX dispute altogether has been resolved. 


However dispute ID XXXX, XXXX, XXXX has been denied with no explanation, even though all disputes have been opened the same day with the same issue. 

I believe that Incomm failed to investigate in those XXXX cases about the disputes and refused to resolve it with no further explanation. 

I would like to get those XXXX cases resolved and get the stolen money back to me either via another refund check or any other method. 

After I only got XXXX dipsutes resolved and the other XXXX rejected I contacted incomm on their customer care address on XX/XX/XXXX, but got no response for my request. 

Please see attached the resolution letters by incomm for each dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: NJ

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract bearing my wet signature, any and all accounts that you post on a consumer report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I must be provided all proof that is used in your verification method as well as what you have On Your ACDV Form..

I demand to see verifiable proof ( i.e. : an original consumer contract with my wet signature on it ) that you have on file for the account listed below.

Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand that the following inaccurate account be verified or removed immediately : Account - Balance - Account - Balance - Account - Balance - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

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 2025-01-06 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: OR

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX 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 2025-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
After opening a Santander us checking account and having money available on my account I havent been able to withdraw money using any available option. I try at different Santander atm and was denied the withdrawal request. I went to the branch and there they tell me everything was looking good with my account that they have no idea whats going on with my account. My XXXX doesnt work I havent been able to pay for money orders as every time I try to pay for transaction it gets block and every time I contact Custumer support they have me on the phone for more than two hours and verify all my info and tell me time and time again that I am good to go but when I go back to try using my card again to withdraw money I get denied again. I am tiered of dealing with this situation, I feel like they have my money hostage at this point. No matter how many times they authenticate me or how many times I go in person to the branch I still havent been able to withdraw my money from this 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 explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I received a fraudulent debt collection from a XXXX XXXX  for {$430.00} which XXXX. I never applied for or got a loan, Ive had several scam attempts lately. I dont even have a hard inquiry for this loan. I did some investigation of this company and to my surprise its extremely common that this occurs. This company needs to be shut down!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
The services were provided by XXXX XXXX. The debt collector is TSI, which states there is a balance of {$1600.00} VALIDATION AND CEASE AND DESIST To whom it may concern, I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor? 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please state why you have a permissible purpose to contact my credit. I dispute this. 
IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing the debt. Thank you for your immediate cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX mo XX/XX/year> Subject : Complaint Regarding Inaccuracies on My Credit Report Dear CFPB, I am filing this complaint regarding inaccuracies on my credit report and the failure of both the creditor, Capital One, and the credit reporting agencies to resolve these issues in compliance with the Fair Credit Reporting Act ( FCRA ). 

The disputed entry pertains to an account with Capital One, which is being reported as [ written off, charged off, etc. ] on my credit report. This information is inaccurate, misleading, and unverifiable for the following reasons : No Authorization to Report Information : I did not give Capital One permissible purpose to report the information in the manner it appears on my credit report.

Refusal to Provide Verification : I contacted Capital One directly and requested a Form 1099-C for clarification of the alleged write-off, as my credit report states the account was written off. They refused

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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:
I had a business credit card through XXXX XXXX. I was an authorized signer on the account but it was a business card in the name of XXXX XXXX XXXX and XXXX, XXXX. In XXXX of XXXX, that business closed. I called XXXX ( as I did with XXXX XXXX  and XXXX XXXX, also exclusively business cards ) and told them of the business closure. I explained that any further communication should come to my primary personal address. They read the address to me and I confirmed it was correct. Additionally, I informed XXXX that the phone number they had on file was no longer correct as it was the business ' phone number. I gave my personal number, they read it back and I confirmed. They informed me that if the business closed, they would have to close the card account as well since it was a business and not a personal card. I was agreeable to that and the account was closed. It had a balance at that time just under {$20000.00}. I never received another communication with XXXX XXXX  again ... .at all. XX/XX/year> I checked my credit report. There was a charge off showing on my PERSONAL credit report for XXXX XXXX. It even shows no reporting up to XXXX XXXX they say I fell " late '' on payments. It was a business card and had never showed on my personal report at all to that point. I called trying to rectify the situation. To date I have spent XXXX total hours on the phone with over XXXX XXXX representatives, supervisors, credit specialists and internal recovery agents. I asked for a " pay to delete '' option, I asked for them to remove late penalties and I would pay the balance. Both requests were denied and they insisted they were right to report it on my personal bureau. Even though I confirmed with all of them that they had been sending the statements to the closed business address and calling the disconnected business phone number that I requested be changed several months prior. I finally paid the balance in full in an attempt to restore my credit as this is having a huge personal impact on my ability to further my current business dealings. I paid in full the balance of {$23000.00} which included almost {$4000.00} in fees on XX/XX/year>. Card number is ending XXXX. This was paid from my personal money, not that of the dissolved business which was the cardholder all the while, not me personally. It is still on my personal credit report showing as a charge off although I have the paid in full receipt. This is causing customer harm. I have been personally harmed and their representatives have made the mistakes.

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 2025-01-05 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: KY

Complaint narrative:
I had a business credit card through XXXX XXXX. I was an authorized signer on the account but it was a business card in the name of XXXX XXXX XXXX and XXXX, XXXX. In XXXX of XXXX, that business closed. I called XXXX ( as I did with XXXX XXXX  and XXXX XXXX, also exclusively business cards ) and told them of the business closure. I explained that any further communication should come to my primary personal address. They read the address to me and I confirmed it was correct. Additionally, I informed XXXX that the phone number they had on file was no longer correct as it was the business ' phone number. I gave my personal number, they read it back and I confirmed. They informed me that if the business closed, they would have to close the card account as well since it was a business and not a personal card. I was agreeable to that and the account was closed. It had a balance at that time just under {$20000.00}. I never received another communication with XXXX XXXX  again ... .at all. XX/XX/year> I checked my credit report. There was a charge off showing on my PERSONAL credit report for XXXX XXXX. It even shows no reporting up to the point they say I fell " late '' on payments. It was a business card and had never showed on my personal report at all to that point. I called trying to rectify the situation. To date I have spent XXXX total hours on the phone with over XXXX XXXX representatives, supervisors, credit specialists and internal recovery agents. I asked for a " pay to delete '' option, I asked for them to remove late penalties and I would pay the balance. Both requests were denied and they insisted they were right to report it on my personal bureau. Even though I confirmed with all of them that they had been sending the statements to the closed business address and calling the disconnected business phone number that I requested be changed several months prior. I finally paid the balance in full in an attempt to restore my credit as this is having a huge personal impact on my ability to further my current business dealings. I paid in full the balance of {$23000.00} which included almost {$4000.00} in fees on XX/XX/year>. Card number is ending XXXX. This was paid from my personal money, not that of the dissolved business which was the cardholder all the while, not me personally. It is still on my personal credit report showing as a charge off although I have the paid in full receipt. This is causing customer harm. I have been personally harmed and their representatives have made the mistakes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I had a business credit card through XXXX XXXX. I was an authorized signer on the account but it was a business card in the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that business closed. I called XXXX ( as I did with XXXX XXXX  and XXXX XXXX, also exclusively business cards ) and told them of the business closure. I explained that any further communication should come to my primary personal address. They read the address to me and I confirmed it was correct. Additionally, I informed XXXX that the phone number they had on file was no longer correct as it was the business ' phone number. I gave my personal number, they read it back and I confirmed. They informed me that if the business closed, they would have to close the card account as well since it was a business and not a personal card. I was agreeable to that and the account was closed. It had a balance at that time just under {$20000.00}. I never received another communication with XXXX XXXX  again ... .at all. XX/XX/year> I checked my credit report. There was a charge off showing on my PERSONAL credit report for XXXX XXXX. It even shows no reporting up to the point they say I fell " late '' on payments. It was a business card and had never showed on my personal report at all to that point. I called trying to rectify the situation. To date I have spent 7 total hours on the phone with over XXXX XXXX representatives, supervisors, credit specialists and internal recovery agents. I asked for a " pay to delete '' option, I asked for them to remove late penalties and I would pay the balance. Both requests were denied and they insisted they were right to report it on my personal bureau. Even though I confirmed with all of them that they had been sending the statements to the closed business address and calling the disconnected business phone number that I requested be changed several months prior. I finally paid the balance in full in an attempt to restore my credit as this is having a huge personal impact on my ability to further my current business dealings. I paid in full the balance of {$23000.00} which included almost {$4000.00} in fees on XX/XX/year>. Card number is ending XXXX. This was paid from my personal money, not that of the dissolved business which was the cardholder all the while, not me personally. It is still on my personal credit report showing as a charge off although I have the paid in full receipt. This is causing customer harm. I have been personally harmed and their representatives have made the mistakes.

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