vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-01 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: NY

Complaint narrative:
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished his account that we didn't agree upon and i didn't sing an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. according to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

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 2024-09-01 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: NV

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-09-01 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: NV

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-09-01 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: NY

Complaint narrative:
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished his account that we didn't agree upon and i didn't sing an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. according to the FDCPA I'm entitled to XXXX  dollars per violation and clearly they violated my rights.

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 2024-09-01 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: NY

Complaint narrative:
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished his account that we didn't agree upon and i didn't sing an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. according to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

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 2024-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: River Heights Capital LLC
State: MI

Complaint narrative:
I was garnished. I never received any notification of garnishment. The bank sent me the notice and placed a hold on my money. The addresse on the notice was from a old number that was about 8 years ago. I am a XXXX veteran rated at 100 % I was told that my compensation was exempt. I notified the bank and was told that the court told them to hold it. I tried to show them the rules on your site to no avail. Had court hearing and the judge ruled against me. I tried to point out the rules but he ruled against me anyway. I also had money from FEMA to make repairs on my home. Please help I have no one to help me. thanks in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: OH

Complaint narrative:
XX/XX/XXXX si que yo le pedia credito me mandaron link como yo no sabia nada me metio alli
XX/XX/XXXX tambien el XX/XX/XXXX de nuevo el XX/XX/XXXX e XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Este de XX/XX/XXXX hoy fui a comprar un perfume ellos me forsaron de hacer algo por descuentos e veo este incuiri

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 2024-09-01 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ID

Complaint narrative:
The Usaa website had a hiccup that reflected that the payment was acknowledged when it was not based on a technical hiccup It seems it would be helpful if they could fix the error based on the issue i had with the system since all payments outside this payment have been on time all the time it was 3 months late payments due to not beong able to notice the payment was not accepted on the summer in 2021 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 explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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 Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 2024-09-01 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Reporting Act, XXXX XXXX XXXX Account # XXXX, has once again violated my rights. I understand according to federal law 15 U. S. code 1681a ( 2 ) ( A1 ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment. I also understand that according to federal law 15 U. S. code 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramification of late payments regarding the linked accounts.

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 2024-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I was duped into buying a XXXX premium membership. I had no clue about. I never even used it not once never even opened. It didnt even know I had it didnt authorize it. PayPal says it is within my purchase history or something that seems like I couldve because of my purchase history, Ive never bought XXXX before in my life or any other subscription for that matter on PayPal because thats my business account, not a business transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: NJ

Complaint narrative:
Equifax did not remove bankruptcy that doesnt belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 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: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I have received my credit report from XXXX I have contacted Comenity bank/Victoria numerous times and even disputed it with the Credit Bureau . I am requesting a Goodwill Adjustment to remove the late payments. 
I know this request is unusual, but it is ruining my good credit standing, and I have never received proof of accuracy after any failed dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: NJ

Complaint narrative:
Lately I've going over my credit report and noticed various inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item i am asking to verify : XXXX XXXX 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 explanation
Consumer complaint received 2024-09-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX XXXX I used my XXXX prepaid XXXX card to pay a bill using the bill pay service XXXX offer on line with your account. I paid my bill in the amount of {$490.00} once I finished I call the merchants to let them know I just made a payment for {$490.00} I was told by the merchant that they no longer handle my account to get my money back. So I Immediately called XXXX customer service and spoke with a representative and explain what just happen that I just did a bill payment in the amount of {$490.00} that I was just told by the merchant they no longer handle my account, so I want the to stop the transaction get my money back. I was told by the representative that I would have to wait for the transaction to post to the account it XXXX take XXXX days once it post we will reverse the amount back to your account. So I check my account the {$490.00} posted on XXXX XXXX. It stated very clearly on my account that CREDIT-BILL PAY {$490.00} Funding Reversal. I was to by the representative that the {$490.00} would be back on my XXXX prepaid card. It was never put back on my card I had to order a new card which I never received. I file a dispute for my funds on XXXX XXXX. I was told that a investigation would be done in XXXX days if the investigation still going on I would receive a provisional credit on the new card on XX/XX/year> I dont receive the provisional credit on my card. So I call the refuse to give me my money back I even wrote a letter explaining the situation to them also I email to. When I call I keep getting the run around transferring to different departments nobody has help me. The Dispute number I was given on XX/XX/year> by a representative name XXXX give me this Claim number XXXX. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint to ensure that the consumer reporting agencies receive my notice of dispute regarding personal identification information. The information they have on file is inaccurate. That includes XXXX inaccurate social security numbers, multiple irrelevant and inaccurate addresses, and inaccurate names.

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 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint to ensure that the consumer reporting agencies receive my notice of dispute regarding personal identification information. The information they have on file is inaccurate. That includes XXXX inaccurate social security numbers, multiple irrelevant and inaccurate addresses, and inaccurate names.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. XXXX XXXX XXXX XXXX Per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: CA

Complaint narrative:
Experian is reporting inaccurate information on my credit report. I have been disputing the information with both the creditor and Experian for several months. I thought the issue was with the creditor, however once I called and spoke to a supervisor and thoroughly researched the situation, it was determined that XXXX notified Experian in XX/XX/year> of the XXXX-balance action. Experian has not updated the information and although I have disputed the information online, by mail, and called directly to talk to a supervisor who manually disputed the information, my report is still inaccurate. 
I am in the process of purchasing a home and I currently have over $ XXXX of inaccurate information on my credit report. Another frightening thought is when my new lender reports to Experian, there will be almost $ XXXX of student loans on my credit report. This is unjust, unfair and negligent on the part of Experian. Honestly, I do not think they are even actually calling the creditors. At least not this one because if they were, they would find out that XXXX does not even have an account open in my name. When I call or go on their website and enter my social security number, NO ACCOUNT IS ON RECORD! Please help!

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 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of XXXX  The information listed below, which appears on my credit report, is the 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 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 XX/XX/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 explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
According to 15 U.S.C. 1681, I have the right to dispute any inaccurate or incomplete information on my credit report. I believe that this account is being inaccurately reported. According to my records, If the account is in collections, it shouldnt have a balance, past due amount or say open. The reporting of this account as being in collections is inaccurate and has negatively affected my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: DISCOVER BANK
State: DE

Complaint narrative:
i think it was on XX/XX/XXXX that an unknown person took out a XXXX loan on my credit card and i am trying to just get a police number to write on the paperwork.

Company response to consumer: Closed with explanation