vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-27 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: GA

Complaint narrative:
After reviewing my consumer report, I noticed this new collection that was added. I, ve disputed this account before but not sure with who and it was deleted. Im unable to verify this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello, I got the capital one XXXX credit card in XX/XX/year>. I was told I would be getting a XXXX dollar welcome bonus if I spent over XXXX dollars. I spent that in the first month. It is XXXX and I am still yet to receive it. I called and they claimed I didn't get the reward on my terms & conditions letter. This was extremely deceptive, I would not have applied for the credit card and had the ding my credit score as a result if I had known this. This wasn't a new promo too, you can check credit card articles dated much earlier to know that this card was offering this promo for a long time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
While checking my credit report a few months back, I noticed errors concerning the account for LVNV FUNDING LLC ( XXXX XXXX. This is a violation of my rights. I contested these errors with the XXXX credit bureaus and the creditor, yet I received only vague responses. Therefore, I am submitting this complaint based on my research. The company is in violation of sections of 15 USC.

15 USC 1681 section 604 ( a ) section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of information.

15 USC 1681i ( 5 ) : Failure to investigate and correct inaccurate information.

15 USC 1681s ( 602 ) ( a ) : Failure to provide clear and accurate information to consumer reporting agencies.

15 USC 1681s ( 604 ) ( a ) : Failure to permit access to all information about the consumer 's credit file. XXXX XXXX related to accuracy and fairness in credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
American express cancelled both of my cards after being a member for XXXX years. they say it's due to returned payments. this was a completely honest mistake on my part. I meant to use a different bank account, but forgot to switch it. now my cards I have used for YEARS have been suspended. a long time customer. AMEX needs to understand people make honest mistakes. I pay 80 % + of my balance every month too.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
For over a year now I have been fighting with Equifax about not being able to view my credit report or get a copy of it nor can any lenders view my Equifax credit report either. This has prevented me from getting loans and it is very frustrating! They keep telling me to send them a copy of my ss card dl and proof of address and I have done that on several occasions, and they keep saying they never get what I send them. I don't know what else to do and I think there is something going on with Equifax because there is no problem with XXXX or XXXX only Equifax. I would like a full investigation on this matter please and I am launching a full complaint against Equifax. This is not right and they know it!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: TN

Complaint narrative:
Ive recently reviewed my credit report and noticed this company have reported inaccurate accounts and have yet to removed them.

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 2024-07-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Regarding my previous complaint filed under claim ID XXXX, Bank of America XXXXad instructed me to contact a resolutions associate providing a telephone number. I tried to call this person over the last month or so and I must have called over a dozen times and left as many messages but there unfortunately has been no answer from him and Ive had absolutely no luck reaching him as instructed despite calling at various times of what Bank of America had informed me were his office hours. I have not spoken with this case with anyone at the bank despite their reporting that they have been in touch with 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 2024-07-27 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: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Dates: XXXX XXXX XXXX XXXX XXXX
Amount: $3,069.00
Action Taken: I sent several dispute letters

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 2024-07-27 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: DISCOVER BANK
State: LA

Complaint narrative:
Dates: XXXX XXXX XXXX XXXX XXXX
Amount: $3,069.00
Action Taken: I sent several dispute letters

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: TN

Complaint narrative:
Ive recently reviewed my credit report and noticed this company have reported inaccurate accounts and have yet to removed them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am experiencing discrepancies in the reporting of my student loan accounts across different credit bureaus. 

DEPT OF EDUCATIONXXXX - XXXX accounts XXXX XXXX. XXXX : Reports my student loan payments from [ XX/XX/XXXX ] to [ XX/XX/XXXX ] with no late payments listed. 
XXXX. XXXX and Experian : Show the same student loan accounts with late payments reported for the period from [ XX/XX/XXXX ] to [ XX/XX/XXXX ]. The discrepancies involve late payments reported in the period from [ XX/XX/XXXX ] to [ XX/XX/XXXX ] The dates are inconsistent between the reports from XXXX and Experian compared to XXXX. 

*See Attached

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 2024-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

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.

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 2024-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
About a year and a half ago, I began noticing strange transactions on my XXXX and Capital One cards. The charges primarily involved XXXX and XXXX transactions. We immediately reported that these transactions were not being made by any one in our household but every time we would get credit back to our cards, the bank would charge it back. All charges were made under my sons old XXXX account and when we called XXXX regarding the situation, they told us someone hacked into the account and was using my sons identity. We have had countless conversations with the banks regarding the fraud charges but have gotten nothing back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: CA

Complaint narrative:
A bankruptcy has been reported on my credit report, but the financial institution that initiated it did not validate or apply it. However, the credit agencies continue to report this bankruptcy on my credit history, along with a variety of accounts that are shown to be included in this same bankruptcy. I have disputed this information on several occasions, but it has not been possible to remove these records from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc
State: MI

Complaint narrative:
Dear Possible Financial Inc you guyss aree reporting to the Credit bureaus that I have a charge off and Collection with you guys on XXXX and just a charge off on XXXX. None of these show on my XXXX Credit Report. I know this could be a minor mistake on you guys end I see you guys already HAVE 192 complaints about credit reporting already from XXXX. 
Im unaware of this debt I didnt have I didnt have an opportunity to dispute this information if in fact you believe you gave me proper notification then please send me the certify mail receipt with my signature on it. Also can you guys let me know your ways of verifying this my debt. 
Account number : XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: CA

Complaint narrative:
Did not do any contracts with this business and i don't know what this about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 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: TN

Complaint narrative:
IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED THIS COMPANY HAS REPORTED INACCURATE 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 2024-07-27 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: TN

Complaint narrative:
I'VE RECENTLY REVIEWED MY CREDIT REPORT AND NOTICED INACCURATE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
Account # XXXX Genesis Credit Management is in direct violation of 15 U.S. Code 1692e - False or misleading representations under the FDCPA and 15 U.S. Code 1692d - Harassment or abuse. 

I received a call on XX/XX/year> around XXXX from someone by the name of XXXX stating that she was following up on an account. She did not state that she was a debt collector, and I had no knowledge of what she was referring to so after that I ordered a full credit report. Genesis Credit management has not provided me with any documentation that I have an account with them nor provided ownership of the alleged account and that they have permission of the company who the account was originally with to collect the amount that they are trying to collect on. 

Furthermore, after checking XXXX XXXX XXXX  I did not see them licensed in Tennesse as a state to collect in and that is the state that I am residing in. 


NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHES UNDER THE FCRA. A list of tile sections of tile FCRA cross-referenced to the. U.S Code is at the end of this document. The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : https : //www.consumerfinance.gov/compliance/circulars/circular-2022-05-debt-collection-and-consumer-reporting-practices-involving-invalid-nursing-home-debts/ Section 623 imposes the following duties upon furnishers : Accuracy Guidelines results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section 623 ( C ) and ( b ) ( 1 ) Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ).

Section Promptly modify or delete the information or block its reporting. Section Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRAs must report this fact when it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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:
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. I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXXXXXX 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 DEPT OF EDXXXXXXXX  However, they stated everything was complete and accurate. 

But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 2024-07-27 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I have made multiple attempts to rectify this issue with affirm. They have failed to honor my cease and desist ( attached ) if they do honor they must cease all communication with me which includes reporting information on my consumer reports as a consumer report is a means, and a medium of communication per definitions under federal law,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: TN

Complaint narrative:
I'VE RECENTLY REVIEWED MY CREDIT REPORT AND NOTICED INACCURATE 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 non-monetary relief
Consumer complaint received 2024-07-27 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: EQUIFAX, INC.
State: TN

Complaint narrative:
While going over my most recent consumer report, I noticed I had quite a few unauthorized and fraudulent credit inquiries that are from the following companies : Inquiries : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I never gave any written authorization by anyone employed by the listed companies to make an inquiry and view my consumer report. I also never gave you EQUIFAX written permission to furnish this information on my credit report. This is a direct violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 

I need you to validate every piece of information with these companies and provide me copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

I also demand you, EQUIFAX produce a contract between you and me, consumers, bearing my signature showing where I gave you permission to furnish any information on my behalf. 

If no such documentation bearing my signature can be produced, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

I will give you 30 days to produce the requested contract and to complete your thorough investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This company came up on my credit report twice and with different account numbers on all 3 credit bureau. OnXXXX amount is of {$XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: CA

Complaint narrative:
A bankruptcy has been reported on my credit report, but the financial institution that initiated it did not validate or apply it. However, the credit agencies continue to report this bankruptcy on my credit history, along with a variety of accounts that are shown to be included in this same bankruptcy. I have disputed this information on several occasions, but it has not been possible to remove these records from my credit history.

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 2024-07-27 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: CA

Complaint narrative:
A bankruptcy has been reported on my credit report, but the financial institution that initiated it did not validate or apply it. However, the credit agencies continue to report this bankruptcy on my credit history, along with a variety of accounts that are shown to be included in this same bankruptcy. I have disputed this information on several occasions, but it has not been possible to remove these records from my credit history.

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