vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states, consumer reporting agency can not furnish an account with out my written instructions.

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 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions. 

XXXX XXXX : Account # XXXX XXXX  XXXX : Account # XXXX XXXX XXXX  : Account # XXXX Account # XXXX XXXX  : Account # XXXX XXXXXXXX XXXX XXXX : Account # XXXX XXXX : Account # XXXX XXXX : Account # XXXX XXXX XXXX  : Account # 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 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERISAVE MORTGAGE CORPORATION
State: NJ

Complaint narrative:
Dear Amerisave mortgage, Please kindly remove late payment reporting from my credit report. My mortgage was settled and it was confirmed that there would not be any negative reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states, consumer reporting agency can not furnish an account with out my written instructions.

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 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I see that these accounts are adversely affecting my credit report and costing me thousands of dollars in investment every year. I sent a letter to contact these inaccuracies on XXXX2022 This is not a regular dispute at all. I have filed a complaint with ftc and the XXXX XXXX XXXX  because to my knowledge I do not recall any of these accounts. I need this problem fixed now. I will not wait another 50 plus days to receive no response. I see that most of these companies are ignoring me. Section 611 simply states failure to investigate these items within 30 days gives reason to immediately remove disputed items from my credit report. It has been over 50 days so please remove it.

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 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My issue is with XXXX and Transunion. I am submitting XXXX letters that I forwarded to each of the agencies separately. These letters were forwarded by mail after XXXX calls made to each on the same days between XX/XX/2022 and XX/XX/2022. 
I verbally explained what is contained in the letters to XXXX different representatives and XXXX different supervisors from each company ( XXXX people total ) .I was told that an electronic dispute would have to be filed. I explained that the FCRA suggest a " Reasonable Method Of Verification '' and that eOscar was a computer algorithm that is subject to errors versus a human being making contact with said company or information being disputed. I suggested that is not reasonable. I did not accept that form of verification and ask for document6s bearing my signature. I also suggested to each representative and each supervisor from both agencies that their policies were inconsistent. I explained that before I began to address the account that was not mine and the XXXX late payments on a closed account that was inaccurate, I verbally disputed addresses on my reports and those addresses were removed with no question. I f that is the case should not all disputes be suggested to be investigated electronically?

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 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Park Hill Holdings
State: OH

Complaint narrative:
I like to order a full Core Logic report, I believe there is some misinformation on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Dear XXXX mortgage, Please kindly remove late payment reporting from my credit report. My mortgage was settled and it was confirmed that there would not be any negative reporting.

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 2022-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Netspend Corporation
State: OK

Complaint narrative:
XX/XX/2022 I went to XXXX  and did get released until XX/XX/2022 during my incarnation netspend allowed an unauthorized person to access my account deactivate my debit card and then issue TO THE FRAUDSTER ANOTHER CARD. They then accessed {$2000.00} of my arpa money issued by my tribe. When I got out of jail I called my card to Chek my balance only to learn the XXXX was gone so from there I started a dispute and was denied because netspend said I benefited from the money that was in my account. Like I told netspend there were only XXXX people who put money on my books and I told them who they were. I also stated that if I did benefit from any money then I would only dispute the money I didn't benefit from and still yet they still deny me I have proof of my incarnation as well

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 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX Potentially Negative Account Info Account Name XXXX XXXX Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XX/XX/XXXX Balance {$0.00} Balance Updated XX/XX/XXXX Recent Payment XXXX XXXX Monthly Payment {$0.00} Credit Limit {$200.00} Highest Balance {$240.00} Terms NA Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current on payments XXXX 30 Days Past Due

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 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX I sent a letter regarding unknown on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being extremely taken advantage since my disputes ive been ignored. Section 611 a plainly stated that failure to investigate these items within 30 days will result in immediately removing those items from my credit report. It has now been over 60 days so they should be deleted promptly or I will have to file litigation due to the stress and harm youve caused me. My information has been impacted by the equifax data breach and may have gotten into the hands of the wrong people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
1. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6600.00} -This is not my account. 

2. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5200.00} -This is not my account. 


-- XXXX XXXX 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$35000.00} -This is not my account. 









-- OTHER ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$350.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not 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
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states, consumer reporting agency can not furnish an account with out my written instructions.

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 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXXXXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to the credit bureau reports, in writing... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX # XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. V lid i f d d Mi i Mi di d S i 807 ( 1 ) XXXX XXXX XXXX # XXXX Validations of date and Mini-Mirandi under XXXX ( 1 ) XXXX  XXXX XXXX # XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX  XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXXXXXX XXXX is in compliance with OHIO LAW. I also have reported this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report. XXXX  XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

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 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) - XX/XX/XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX I notice unauthorized inquiries reporting, I have called both creditor and credit bureau and have sent certified mail documents. 
XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Office of Steven A. Booska
State: CA

Complaint narrative:
I received a communication from the Law Office of Steven A. Booska dated on XX/XX/2022. I replied to their communication that this debt is not mine and is as a result of Identity Theft. I thereafter, receive a second communication from this office dated XX/XX/2022 stating that they " have validated '' the account via a copy of records from their client- which they enclosed. After reviewing the enclosed information, I have never done business with XXXX XXXX or any doctor in XXXX XXXX, XXXX which is more than XXXX miles away from my place of residence. This account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
This is a complaint against Credit Collection Services ( acting on behalf on XXXX ). 

I had just moved back to XXXX XXXX after selling my house in XXXX XXXX and needed cable and internet while I was there. I started service in XXXX XXXX  and asked if I could stop at anytime because I would be moving back to XXXX once I found another house. The XXXX employee said YES just make sure you bring the equipment in otherwise you will be charged. 

A few months later I was leaving for XXXX and on the way I stopped at the XXXX XXXX to drop the equipment off and pay whatever remaining balance I owed/cancellation fee. The store in XXXX asked if I was going to use XXXX in XXXX. I said yes and they said ok you can bring the equipment to XXXX and set up when you are at your new home, it will be no problem because XXXX serves XXXX. I gave them my address to switch the service. A few days later When I arrived in XXXX I tried to set up XXXX at my new home. But, it turned out XXXX could not serve my address for what I needed. I then went to drop the equipment off at the XXXX XXXX in XXXX. The XXXX store took my equipment and my account was canceled. 

Months later I received an email from my business manager saying there was a XXXX bill for almost {$600.00}. I thought that was weird because I had taken care of what I was suppose to do in XXXX and then in XXXX. I personally never received any notices in the mail to my home in XXXX. I thought it was a scam because I had paid whatever I owed in XXXX and then dropped the equipment in XXXX, and everything was canceled. 

Despite being told everything was all set in XXXX and then all set in XXXX, XXXX continued to insist we pay an amount for not returning the equipment. They continued by threatening to send the account to collections. As I was not able to make any headway in having XXXX admit their own mistake and reverse the billing, I decided to just pay the bill to avoid having a marks against my credit. 

Even after paying the bill- for an amount that I never owed- they still filed a mark against my credit. 

This is a wholly dishonest practice by XXXX and despite being bullied into paying a bill that was not correct, their collection company " Credit Collection Services '' still filed a negative mark against me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2022 I initiated a dispute through Capital One against a merchant over a missing refund of {$1000.00} from XXXX. XXXX charged me a restocking fee of {$420.00} for an item that they had failed to cancel and then also deducted an additional {$620.00} for unknown reasons. When I initiated the dispute I explained that I had originally attempted to process this dispute through XXXX, who had both given and reversed a provisional credit- I also noted that both transactions were visible on my Capital One transaction history. On XX/XX/XXXX, Capital One sent a communication stating they needed additional information. After speaking with a Capital One customer service representative, and again explaining the provisional credit given and taken by XXXX, the representative stated that I needed to provide a letter stating I would like my claim reopened and an explanation of the credit. 


I provided this document originally on XX/XX/XXXX which contained both my written confirmation to reopen the dispute, but also screenshot proof of the credit being given and reversed by XXXX. 


On XX/XX/XXXX I called Capital One to get a status update and was told they never received my document. At that time I, again, explained about the provisional credit and, again, provided the same document from XX/XX/XXXX. 

On XX/XX/XXXX I received a communication from Capital One stating that " While we have received your response to this request, it lacks all of the previously requested information needed to validate your dispute. '' After receiving this communication I immediately called Capital One and, again, explained what was going on. The customer service representative I spoke with took a look through my file and determined that I had provided what was asked. Near verbatim, the representative said that there was no other documentation that they had asked for and nothing that I had failed to provide. 


After confirming that I had provided everything requested, the representative then stated that Capital One could no longer continue my dispute. The representative stated that since I had received the communication stating that I had not provided everything requested, that my only recourse left was to communicate with the merchant directly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX  : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX : Account # XXXX XXXX  XXXX : Account # XXXX XXXX XXXX : Account # XXXX Account # XXXX XXXX  : Account # XXXX XXXX OF XXXX : Account # XXXX XXXX : Account # XXXX XXXX : Account # XXXX XXXX XXXX : Account # 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 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions. 

XXXX XXXX : Account # XXXX XXXX  XXXX : Account # XXXX XXXXXXXX XXXX : Account # XXXX Account # XXXX XXXX  : Account # XXXX XXXX XXXX XXXX : Account # XXXX XXXX : Account # XXXX XXXX : Account # XXXX XXXX XXXX : Account # XXXX

Company response to consumer: Closed with explanation