vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-07-10 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:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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:
This complaint is not sent in error. My credit report has some false and not 100 % accurate Information. This inaccurate information is causing undue stress and is affecting me negatively.

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 2024-07-10 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: NY

Complaint narrative:
This complaint is not sent in error. My credit report has some false and not 100 % accurate Information. This inaccurate information is causing undue stress and is affecting me negatively.

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 2024-07-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: WLCC
State: WA

Complaint narrative:
In XXXX of XXXX I was looking online for a payday loan when I found Explore Credit. I looked at the website and entered information to see what amount they could give me and what the interest rates were, etc. I did not proceed because it was not manageable for me to do so. The next afternoon I received a deposit of {$950.00} into my bank account. It was not traceable and even my bank was unable to tell me where it came from. About XXXX weeks later Explore Credit started debiting my account {$310.00} every XXXX weeks. These payments started on XX/XX/XXXX and continued until XX/XX/XXXX. I contacted them to find out what was going on and demanded the contract and what I had signed. They did not provide this information. The only thing they sent me was a payment plan with due dates. I tried to stop payment with them and they refused to help me. I talked to them numerous times and no luck. I finally had to cancel my XXXX card. After doing so they made checks out of my bank routing information and continued to take money from my bank account. After consulting with my bank who had never seen anything like this I had to close my entire XXXX  account. I have paid {$2300.00} and they continue to harass me via text and phone. They are demanding I pay the balance owed of {$6300.00} on a {$950.00} loan. That would have me paying {$8600.00}! Is this not XXXX loan abuse?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: MO

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report.Please Remove these accounts from my report They are hurting my ability to obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: MO

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report.Please Remove these accounts from my report They are hurting my ability to obtain credit

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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On today, XX/XX/XXXX, I received the notification from XXXX credit report stating that XXXX reported My Account status XXXX within XXXX days. 

I called Capitol One customer service department and spoke to representative XXXX on XX/XX/year> at XXXX XXXX and confirmed the The last reporting status was on XX/XX/XXXX showing the balance of {$15.00} and that they did not send XXXX an additional notification for XXXX. The representative confirmed that they ONLY report to Credit REPORTS once a month based on the customer bill cycle. 
I confirmed that my billing cycle is the XXXX of each month. Therefore another credit reporting should not report until XX/XX/XXXX!! The representative stated that this appears to be an error with XXXX however XXXX receives information from the creditor. 

There seems to be an error on both sides and it needs to be corrected immediately. My credit card balance should not be getting reported twice within a XXXX day timeframe. I checked my other credit reports and it is showing correctly. 

My XXXX credit report should reflect my billing statement! 

Please view attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: NY

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 confidentially under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A. states I have the right to privacy. 15 U.S.C Section 604 A Section 2 : also states 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 any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) 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.

PLEASE DELETE AND REMOVE ACCORDINGLY. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I received a voice message on my business phone from XXXX XXXX XXXX XXXX. I called back on XXXX XXXX @ XXXX XXXX, and spoke to a supervisor and informed her that I had not received a bill from Toyota Financial Services. Within the next 2 days, I received the letter from XXXX and XXXX. When I spoke to the XXXX representative, she gave me an email. I sent a letter and told them that XXXX did not give me the 30 days to set up a payment plan, and their letter is dated XXXX XX/XX/year>, and XXXXXXXX XXXX letter dated XXXX XX/XX/year>. On XXXX XX/XX/year>, I called Toyota and asked to speak to a supervisor and I was told she was not avialble. I again have attempted to call, but due to the hurricane storm, none of the XXXX lines are connecting.Toyota Financial failed to give me 30 days to call and set up a payment plan for the balance due. Rather, within 3 days they sent the debt to collections. Let it be known that this is the 2nd complaint against this company. Just like all of their previous customers before me, and the reason why they are always being sued is that they fail to follow federal guidelines. Please let them know that I am going to file a complaint with the State of Texas Attorney 's General as the have not learned thier lesson with attempting to ruin people 's credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: FL

Complaint narrative:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This complaint is not sent in error. My credit report has some false and not 100 % accurate Information. This inaccurate information is causing undue stress and is affecting me negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: OH

Complaint narrative:
I reached out to cashapp to fix my name and they closed the account. They suggested opening a new account. The representative walked me through opening the account, but it was closed immediately. I appealed the decision and was advised that it went towards the terms of service. However, there was no explanation of what was violated. I have asked by phone and the call was disconnected by the associate. I asked by chat and the associate disconnected as well. No one will speak with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: NY

Complaint narrative:
Hello my name is XXXX XXXX and i am writing this letter distraught and in emotional distress. Transunion and XXXX are showing inaccurate information to my report. They both are reporting an account i did not consent, inquire or benefit from. I have requested several times to remove account. This is hurting my credit profile tremendously. I have no debt on my report but this one and it is hurting me. I called both bureaus over 20 times and no help. I asked to speak to supervisor and i am placed on hold for hours on. They are not protecting me as a consumer. PLEASE HELP I AM COMPLETELY AGITATED.

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 2024-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I made a payment to my credit card they applied the payment to the wrong credit card which gave me a 30 day late, I got an alert from XXXX stating I just incurred a 30 Day late I called Navy Federal spoke to an customer service representative on XX/XX/XXXX explained the issue to the representative and she said there was nothing they could do about it but apply the payment to the right account. they are the ones that made the mistake and the amount of the payment was XXXX the exact amount that should have gone to my cash rewards account # XXXX they applied it to my XXXX XXXX XXXX XXXX XXXXXXXX that is how I incurred the 30day LATE. they never want to admit when they are wrong only disregard the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I disputed the public record with transunion. The bankruptcy listed on my report does not belong to me it belongs to a relative with a similar name that lived with me. I requested transunion to remove this inaccurate information from my file and they still havent. I also requested their method of verification and to provide proof of the investigation into the information. They still have not responded or removed the errors from my report. If this is not resolved I plan to sue transunion for damages.

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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Prior rental payment is still being reported on my credit even after I've fully paid the balance. This information is still reporting on my Equifax Credit report and is preventing my daughter and I to approve for housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: PA

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXNever Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 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 2024-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/2013 {$5700.00} Request for Debt Validation Pursuant to IS XXXX XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) ( 15 USC 1692g ) stating your claim is disputed and validation is requested. credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Block Request To Whom It May Concern, I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of XXXX 
Per XXXX - XXXX In brief, section XXXX provides that a consumer reporting agency XXXX not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX XXXX XXXX or XXXX XXXX if the consumer has provided XXXX documentation to the consumer. 
The XXXX is adopting several amendments to Regulation V to implement new section XXXX of the Fair Credit Reporting Act ( FCRA ) XXXX added by the National Defense Authorization Act for Fiscal Year XXXX ( XXXX NDAA ) XXXX In brief, section XXXX provides that a consumer reporting agency XXXX not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX XXXX XXXX XXXX XXXX XXXX if the consumer has provided XXXX documentation to the consumer reporting XXXX Under section XXXX, the Bureau XXXX required to issue implementing regulations within 180 days of the enactment of the XXXXXXXX XXXX XXXX Section XXXX is effective XXXX days after the XXXX issues its final implementing regulations. 
BILLING CODE : XXXX XXXX OF CONSUMER FINANCIAL PROTECTION XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXXXXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of XXXX XXXX XXXX  Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures XXXX of identity XXXX  documentation

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