vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-29 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: VA

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transunion ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: VA

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX experian ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX experian XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MECHANICS BANK
State: CA

Complaint narrative:
my rights have been violated as a consumer u.s.c 1666b timing of payments

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
my rights have been violated as a consumer u.s.c 1666b timing of payments

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing once again regarding the unauthorized and inaccurate account on my credit report, which remains unresolved despite my previous disputes.

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 2024-12-29 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: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX, account XXXX began XX/XX/XXXX I discovered it XX/XX/XXXX {$1000.00} Midland credit management began XX/XX/XXXX discovered XX/XX/XXXX {$1000.00} XXXX XXXX account XXXX {$670.00} and XXXX {$1000.00} XXXX XXXX XXXX account XXXX began XX/XX/XXXX discovered XX/XX/XXXX {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: TX

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance 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 2024-12-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I am a former resident of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing a collection account created on XX/XX/year>, for {$2900.00} on my credit report. At the time of eviction, XXXX XXXX XXXX, and XXXX XXXX order protected residents from eviction during that period. Despite this, I was harassed by property management, particularly XXXX, and was forced to leave the apartment. I paid a {$900.00} money order from XXXX for rent, but to this day, there is no record of that payment being applied. Additionally, I left a couch and bed behind, and XXXX assured me that I would not be charged for the furniture. However, I was still double-charged for the furniture I left. I am requesting the removal of this collection from my credit report due to these unjust circumstances. I have contacted all three credit bureaus including the collection agency for the XXXXXXXX XXXX TRANSWORLD SYSTEMS INC multiple times by phone and paper mail and all parties have failed to provide me with validation of the debt, including proof of the debts origin and the amount owed, as required by the Fair Debt Collection Practices Act ( FDCPA ). I have been contacting XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Specifically TRANSWORLD SYSTEMS INC for 4 years and enough is enough. Please help me resolve this issue by removing this collection from my record. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all I want to do is move forward in my life. Please make it possible for me. Please, by doing your investigation and seeing to it that this unjust collection be removed from my account. Ill be able to lease an apartment. Ill be able to receive loans and build my business XXXX XXXX and leave my XXXX from the XXXX behind. I never deserved what the XXXX did to me and I just want to live my life as God intended. To be finally at peace. I beg of you with every fiber of my being, please get this collection from the XXXX removed from my record. Thank you. Words can't describe how much my well being means to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: GA

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I participated in a promo program provided from Chase Bank, to earn XXXX Ultimate Points when spending more than {$400.00} on hotel stays booked through Chase XXXX XXXX XXXX. I made the reservation and completed the stay at XXXXXXXX XXXX  XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I have not received the bonus from this program in XXXX weeks. I reached out to the Chase customer service and they could not confirm the trip information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: TX

Complaint narrative:
many fraudulant inquires on my personal credit report that do not belong to me nor have i applied for any lines of credit or any loans

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
many fraudulant inquires on my personal credit report that do not belong to me nor have i applied for any lines of credit or any loans

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: ProCollect, Inc.
State: TX

Complaint narrative:
Procollect s reporting a collection for {$3000.00} for orginal creditor cresson pods rental. 

This is a fraudulent collection and I have took orginal creditor for court and sued for false collection and. Fraudulent collection accounts for damages for falsified debt procollect is reporting. I sent them th court judgement for removal XX/XX/year> advising of removal needs and they keep informing me and not removing it even with court order.

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 2024-12-29 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: FL

Complaint narrative:
There are items on my credit report that have resulted from fraud to which I never benefitted from. I have reported them to the federal trade commission but they are not removed from my 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 2024-12-29 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 letter is my formal written request for you to investigate the following " Unverified '' accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 



I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below, then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. 



I demand the following accounts be verified or removed Immediately. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received XXXX {$100.00} gift cards this holiday. I was unable to upload them to my XXXX XXXX XXXX XXXX, I was rejected by several online stores. XXXX, XXXX, XXXX XXXX XXXX  just to name some. I also went into several stores who also rejected the cards. I have been receiving these cards for years and now they are basically not usuable. Its embarassing to swipe a card that I know has money on it but Amex gift card doesnt process. 

I have a list of all my cards and can submit when required.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP
State: OR

Complaint narrative:
In XX/XX/year>, I upgraded my partners cell phone through XXXX. In order to initiate the upgrade, we needed to pay a fee of {$35.00} and then XXXX would send us a contract to sign. We paid the {$35.00} but we never received the contract. We went into the store and requested a refund. XXXX refused to give us a refund and told us that the money would be returned automatically within seven days. 

The money was never returned after 11 days so I contacted my bank and the teller recommended that instead of doing this through XXXX, we just opened a disputed transaction. As per her advice, I disputed the transaction with my bank. Several months later in XXXX, I received a letter saying that there was not enough evidence of a fraudulent charge, even though I was charged for a service that I never received. I opened an appeal process with my bank and sent them screenshots of my conversation with the XXXX Representative have a conversation which we discussed disputing the transaction as recommended by my bank. 


In short, I was charged {$35.00} for a service I never received. The vendor refused the refund and my bank refused to dispute. The charge and my account is now - {$35.00} as a result. This is extremely fraudulent to me and I was acting on advice given to me by the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Park Hill Holdings
State: MD

Complaint narrative:
I moved out of my apartment XX/XX/XXXX because I had a non renewal with the property however I was never evicted and I never went to court for the eviction. The apartment complex was paid the balance is full XX/XX/XXXX. Every time I go to apply for apartments for me and my children I am denied be a they are saying it shows that I was evicted even after I show them the letter stating I was paid in full.

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 2024-12-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: FL

Complaint narrative:
I moved out of my apartment in XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. The following day, I received an email from the property management company providing a move-out balance. Subsequently, that balance was updated, and a corrected amount owed was communicated to me via email. 

However, the debt collector, Hunter Warfield, is now attempting to collect both the original balance and the corrected balance, which more than doubles the actual amount I owe. Additionally, they have reported this inaccurate total to the credit reporting agencies, which has unfairly impacted my credit score. 

I have already reported this issue to XXXX, but I am seeking your assistance to resolve this matter. The debt collector should be notified of their error and the false information should be corrected with the credit agencies promptly. 

Thank you for addressing this issue. Please let me know if further clarification or documentation is required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: SLM CORPORATION
State: SC

Complaint narrative:
I have a variety of inquiries primarily related to finance and automotive services from different institutions. Heres a breakdown : Finance/Personal Inquiries : - **Sallie Mae B** : 2 inquiries ( XXXX XXXX, XXXX XXXX, XXXX ) - XXXX : 4 inquiries ( XXXX. XXXX, XXXX, XXXX ; XXXX. XXXX ; XXXX XXXX, XXXX ) - XXXX : 3 inquiries ( XXXX. XXXX ; XXXX XXXX, XXXX ) - XXXX : 4 inquiries ( XXXX. XXXX ; XXXX XXXX ; XXXX XXXX, XXXX ) - XXXX XXXX : 1 inquiry ( XXXX. XXXX, XXXX ) - XXXX XXXX : 3 inquiries ( XXXX XXXX ; XXXX XXXX ; XXXX XXXX, XXXX ) - XXXX XXXX : 3 inquiries ( XXXX XXXX ; XXXX XXXX ; XXXX XXXX, XXXX ) - XXXX XXXX XXXX : 1 inquiry ( XXXX XXXX, XXXX ) - XXXX : 1 inquiry ( XXXX XXXX, XXXX ) Automotive Inquiries : - XXXX XXXX : 2 inquiries ( XXXX XXXX ; XXXX XXXX, XXXX ) - XXXX  XXXX : 1 inquiry ( XXXX XXXX, XXXX ) XXXX XXXX XXXX XXXX : 1 inquiry ( XXXX XXXX, XXXX ) - XXXX XXXX : 1 inquiry ( XXXX XXXX, XXXX ) - XXXX XXXX : 1 inquiry ( XXXX XXXX, XXXX ) - XXXX XXXX : 1 inquiry ( XXXX. XXXX, XXXX ) - XXXX XXXX : 1 inquiry ( XXXX XXXX, XXXX ) Banking Inquiries : - XXXX XXXX : 2 inquiries ( XXXX XXXX ; XXXX XXXX, XXXX ) - XXXX XXXX : 3 inquiries ( XXXX XXXX ; XXXX XXXX ; XXXX XXXX, XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: ND

Complaint narrative:
i tried multiple times to contact them to investigate the things on my credit report and theres alot of information thats not mine and are not reporting accuraed information which is causing alot of roadblocks for 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 explanation
Consumer complaint received 2024-12-29 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: ND

Complaint narrative:
i tried multiple times to contact them to investigate the things on my credit report and theres alot of information thats not mine and are not reporting accuraed information which is causing alot of roadblocks for 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 explanation
Consumer complaint received 2024-12-29 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: AL

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



Account name : XXXX XXXX  XXXX # XXXX Account name : XXXX Acct # XXXX Account name : XXXX XXXX Acct # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Incorrect Personal information and inaccuracies of inquiries Each Inquiries needs to be Removed and Incorrect personal address needs to be corrected.

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