vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-09 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: PA

Complaint narrative:
I looked at my XXXX, Experian and XXXX credit report on XX/XX/XXXX and notice some things that are incomplete and not accurate. First thing first the account in question is with XXXX Bank XXXX XXXX the account numbers on XXXX is XXXX, the account number on Experian is XXXX and XXXX is XXXX. As you can see the account numbers are not the same on all three of the credit reports. Another inaccuracy on this XXXXXXXX XXXX XXXX XXXXXXXX notice is the fact that the comment section on each report is different, XXXX comment section states purchased by another lender, Experian comment section has nothing stated and XXXX comments states Charged off Account. This does not match up on all three reports..Another inaccuracy is the fact that the date of last activity for the XXXX XXXX XXXX XXXXXXXX account does not match up on all three accounts. The date of last activity on XXXX is XXXX XX/XX/XXXX, on Experian is XX/XX/XXXX and on XXXX XXXX XX/XX/XXXX. All three dont match another violation. according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 [ e ] [ b ]. And according to 15 USC 1681i5 they are suppose to do this [ 5 ] Treatment of inaccurate or unverifiable information [ A ] in general, after any reinvestigation under paragraph [ 1 ] of any information disputed.

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 2024-06-09 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:
Company reporting inaccurate and incomplete information on my consumer 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 non-monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CA

Complaint narrative:
XXXX said my XXXX debt was being transferred to XXXX on XX/XX/year>. The transfer still has not taken place, and I have no way to pay my monthly student loan bill. When I tried to call XXXX ( on several occasions from XX/XX/year> to today, XX/XX/year> ), XXXX 's phone system does not offer anyway for me to speak to a human and just keeps asking for my ss and birthdate on a continuous loop. My payment is past due now. I've spent several hours trying to figure out what's going on without receiving any communication from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXXS REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT REPORTS. ATTACHED DOCS.

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 2024-06-09 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: FL

Complaint narrative:
XXXX XXXX XXXX  IS REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT REPORTS. ATTACHED DOCS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Credit reporting traunion XXXX  Has made it harder for people to get ahead my credit scores also reports .notice problems XXXX relocated 4 years ago to area we're everyone must have, XXXX XXXX ratein XXXX and above all my nieborhood homes owners business owners nor veterans. I have paid accounts l not bein late and reported using Attached my bank to credit XXXX XXXX notice my scores don't change.whenever l get close nor my husband l notice always reason for credit scores drop, my score hasn't reached. No higher XXXX then notice any reason it dropped. .. which has made it harder to get a head ito XXXX any credit showini have sent in all information for updates. Disputes for over 90 days v.notice. stil No change ... Showing on credit scores XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Paid for changes credit scores. Requested companies be

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 2024-06-09 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: IL

Complaint narrative:
I recently reviewed my credit report and noticed it wasn't reporting accurately. I had XXXX late or missed payments on the account that has in fact been paid on time and up to date. The consumer repporting agencies have a need to report all info with complete accuracy. I've attached a copy of my report to this complaint on the following date of XX/XX/year> and XX/XX/year>. I'm now requesting you investigate and provide verifiable proof with records showing that I had late or missed payments. If this info can't be verified I demand these payments be updated to paid on time, paid as agreed, or ok immediately. Thanks in advance for your understanding and prompt action. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the 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 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
ALL THE REPORTED INFORMATION IS INCORRECT. SEE ATTACHED PHOTO BELOW FOR CODES. ALL IS INACCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Fraudulent inquiries were placed on my credit report without my knowledge.Below will be attachments and proof of the following fraud which was committed.

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 2024-06-09 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:
Fraudulent inquiries were placed on my credit report without my knowledge.Below will be attachments and proof of the following fraud which was committed.

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 2024-06-09 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:
I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2024-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I hope this letter reaches you in good health and spirit. I been on the phone over an hour trying to place my order and use XXXX XXXX XXXX {$120.00} before they expire with my Macys credit card. Been transferred several times and verified my account several times. My order was cancelled while I was on the phone for no reason they stated it need be verified and I verified my account several times and then transferred again to replace my order XXXX XXXX XXXX was not applied correctly its still missing {$10.00} of XXXX XXXX XXXX Im very upset because I been on the phone for over an hour. My issue is still not resolved. I feel discriminated against and treated unfairly.

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 monetary relief
Consumer complaint received 2024-06-09 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: MD

Complaint narrative:
I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as the documentation that proves this account was late, if you can not provide me with this information in 15 days update the accounts to XXXX XXXX and send me a copy of my updated credit 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 2024-06-09 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: MD

Complaint narrative:
I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as the documentation that proves this account was late, if you can not provide me with this information in 15 days update the accounts to XXXX XXXX and send me a copy of my updated credit 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 2024-06-09 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: TX

Complaint narrative:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following account must be deleted from my report, XXXX XXXX XXXX XXXX Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/XXXX, I submitted a request for a name change through the PayPal app to have my account switched from my maiden name to my married name. I had been having issues linking my bank account back to my PayPal account and this was a suggestion that was given to me to try to see if that would fix the issue with the bank account. I submitted the request along with a photo of my US passport. That same day I received an email from PayPal confirming that the name change request had been completed. On XX/XX/XXXX I logged into my account and found that my account had been permanently limited and when I checked my alerts I was given a message that said an explanation for the limitation had been emailed to me. There was no such email in my inbox or my junk mail. I called PayPal customer service number and the customer service representative could not provide a reason, but she did state that the photo that was sent in of my US passport was rejected and there was a note saying that it was blurry. The representative had me submit additional documentation which was a new photo of my passport to the back office for review and stated that I would hear something back XX/XX/XXXX. I Contacted customer service again on the XXXX after I received no response. This time the customer service representative resubmitted additional documentation to the back office for review and this included again my passport photo and a copy of my marriage certificate with proof of my name change. She said that I should hear something back in XXXX to XXXX hours. I also sent an email to PayPal support. On XX/XX/XXXX I was informed that the appeal for review of my documents and the account limitation was denied, and I was still given no explanation for the limitation. I can not remove my personal info from the account and I can not close the account because I have a PayPal credit card which is an active account but I can no longer use it because my general PayPal account is completely and permanently limited.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital One has chosen to incorrectly side with the XXXX XXXX XXXX XXXX after being supplied more than ample information to show that the merchant did not provide the service contracted for, as they violated the terms of their own contract in damaging my property during the move they were hired for.

Capital One has been provided numerous photos of the damaged property, and was also provided a copy of a letter of settlement made between my attorney, XXXX XXXX XXXX XXXX XXXX XXXX  on my behalf, wherein they admit fault by paying out to me a partial amount of the claimed damages. 
With my attorney on the phone with me, we have made numerous attempts to get Capital One to explain why they are refusing to budge on their incorrect decision, and what criteria they are basing this decision on, as we have shown ample proof of the merchants liability for the damages they caused. 
Photos of the damaged property can be provided on request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Credit reporting traunion Exsperian Has made it harder for people to get ahead my credit scores also reports .notice problems XXXX relocated 4 years ago to area we're everyone must have, Credit score ratein XXXX and above all my nieborhood homes owners business owners nor veterans. I have paid accounts l not bein late and reported using Attached my bank to credit XXXX XXXX notice my scores don't change.whenever l get close nor my husband l notice always reason for credit scores drop, my score hasn't reached. No higher XXXX then notice any reason it dropped. .. which has made it harder to get a head ito XXXX any credit XXXX  have sent in all information for updates. Disputes for over XXXX XXXX XXXX. stil No change ... Showing on credit scores XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Paid for changes credit scores. Requested companies be

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 2024-06-09 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: FL

Complaint narrative:
The following letter was mailed to XXXX on XXXX XX/XX/XXXX, no response has been received and accounts remain on credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to inquire about a discrepancy that I have noticed on my credit report concerning an account with XXXX XXXX. According to my credit report, XXXX XXXX is reporting an account in collections, despite the fact that the account has never been in collections. 

The account in question is under the account XXXX XXXX which was active in XXXX. I closed the account when I changed duty stations and promptly paid the full balance owed. Upon attempting to reactivate my phone, I discovered that XXXX had placed a lock on the device due to a supposed final bill on the account. I immediately visited a XXXX location and settled the outstanding balance as instructed by a XXXX representative. At no point was I informed that the account would be sent to collections, nor did I make any payments to a collection agency. 

It is concerning to me that despite paying the final bill in full and closing the account, it is now showing on my credit report as a closed account in collections for the same month I made the payment. Furthermore, there is only one term with no payment history associated with this account, which does not accurately reflect the situation. 

Therefore, I am formally requesting that this discrepancy be rectified immediately. I kindly ask that XXXX removes the account from all credit bureau reports where this inaccuracy has been reported. I trust that you will take swift action to resolve this matter and prevent any further impact on my credit score. 

Thank you for your attention to this matter. I look forward to receiving confirmation of the resolution of this discrepancy at your earliest convenience. 

Sincerely, XXXX XXXXXXXX

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 2024-06-09 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: FL

Complaint narrative:
I am not liable for this debt with XXXX. I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as requested.

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 2024-06-09 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: FL

Complaint narrative:
I am not liable for this debt with XXXX. I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as requested.

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 2024-06-09 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: FL

Complaint narrative:
I am not liable for this debt with XXXX. I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as requested.

Company response to consumer: Closed with explanation