vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-30 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:
Transunion, XXXX and XXXX  are continuing to report inaccurate information. According to the FDCPA and the FCRA, all accounts are supposed to report accurately and attached you can see they are all reporting differently.

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 2024-03-30 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: MN

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

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 2024-03-30 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: VW Credit
State: WA

Complaint narrative:
Leased a vehicle in XXXX, XXXX  from VW. After becoming XXXX, I reported I wanted to turn vehicle in due to financial and military obligation. Turned vehicle in but still being charged for complete lease term which has cause a charge off but damage to credit profile and auto purchase opportunities. Called VW financing but was told account was sent to someone else for collection ( no name given ) but I would have to pay the remaining lease balance to that collection company ( whom I never heard from ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: TX

Complaint narrative:
I XXXX XXXX XXXX ; in XXXX XXXX, Affirm under penalty of perjury under the laws of the United States of America that this statement is true and correct ; XXXX XXXX XXXX & XXXX, I Have no knowledge of this Account XXXX XXXX XXXX XXXX XXXX XXXX, I DO NOT OWN THIS ACCOUNT I Have never Signed a Contract with you or your Company I did not give any written instructions to furnish my account to XXXX XXXX ; or XXXX XXXX XXXX XXXX XXXX ; in accordance with 15 U.S.C 1681 Section 604 A Section 2, I ORDER these accounts to be removed immediately from my consumer report file : Any Contracts that Have my Name, image or likeness without my permission and written consent is Fraud ; & Void ab 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 an account without my written instructions. Now that you have been notified that this information is inaccurate, I ORDER you XXXX XXXX XXXX & XXXX of XXXX XXXX XXXX XXXX XXXX to Immediately Delete this account Coast XXXX XXXX XXXX XXXX XXXX, with Equitable Relief from my Consumer Report in accordance with 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. as this file XXXX XXXX XXXX XXXX XXXX XXXX, has damaged XXXX XXXX XXXX ; reputation and damaged me physically and Emotionally since the report appeared For the Record ; I am NOT requesting the company to verify any information accuracy, I am demanding all consumer reporting agencys and 3rd partys corporations to delete all unauthorized consumer reports stated above, from my file immediately!! I also Demand that I be Compensated for my Damages and {$1000.00} One Thousand Dollars for each Violation In Accordance with 15 U.S.C 1681 section 602 A. & 15 U.S.C 1681 Section 604 A Section 2. Pay to the order of : 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 2024-03-30 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: DISCOVER BANK
State: MI

Complaint narrative:
I recently returned a pair of XXXX shoes that I had bought in XX/XX/XXXX, and on XX/XX/XXXX I got an email from XXXX saying they received my return. I still have not received the refund which should be for {$51.00} back to my Discover credit card for this return. When I tried to contact XXXX they said they were having an issue refunding my Discover card. Please process the return refund back to my Discover card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: MN

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: ROYAL UNITED MORTGAGE LLC
State: IN

Complaint narrative:
I received a call from XXXX XXXX XXXX # XXXX with Royal United Mortgage after filling out a form on XXXX XXXX. I was very specific that I wanted a HELOC and that I was not interested in personal loans or cash out refis. After speaking for 20 minutes to get my information and why I wanted the loan, she did a hard pull on my credit. Afterwards, she indicated that a HELOC is in fact the best option for my situation, but unfortunately they do not offer HELOCs. She should not have moved forward with a hard pull on my credit knowing they did not offer what I was interested in. I voiced my hesitation with the hard pull and said I did not want to do it if they weren't going to be able to do what I wanted. At no point did she disclose that they did not offer HELOCs. Had she disclosed that they did not offer the product I was interested in, I would not have agreed to the credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: FL

Complaint narrative:
I am writing to request an investigation into multiple hard inquirys listed on my credit report. After reviewing my credit report, I noticed a few inquiries that I do not recall authorizing. I am concerned that this inquiry may be unauthorized and could potentially impact my credit score.

TransUnion informed me to contact the companies. I did. They either failed to respond or directed me to contact TransUnion. Evidence to support my claim is 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 2024-03-30 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: GA

Complaint narrative:
Complaint XXXX. 
I am rejecting this response because : Great you just admited you are not a creditor of mines. Therefore you have no right to report as a creditor XXXX XXXX XXXX on my credit report .You are breaking 15 U.S. Code 1692e - False or misleading representations AS ONLY creditors can report to credit reports .You admitted per last response that you arent a creditor of mines and have not provided any validating documents that I previously requested and also breaking 15 U.S. Code 1692g - Validation of debts.As in XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), you are liable for your willful non compliance .This is my third documented request from XXXX  ASKING YOU TO PROVIDE any of the contract signed between YOU DEBT COLLECTOR ABILITY TO COLLECT THIS ALLEGED DEBT.You obviously ignored my first request which is documented and has been sent to FTC and CFPB for willful compliance .You are taking advantage of consumers especially me being on a fix income .and about to be homeless I was denied being approved for a Mortage due to transunion allowing XXXX XXXX XXXX to insert this false account on my credit Please remove yourself from my consumer report before I file ligation. transunion please send me a updated copy of my credit report because I still have received it its XX/XX/2024 didn't haven't got it because this my third time disputing this false account with you this false derogatory collection still failing to comply with reinvestigation

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 2024-03-30 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: NV

Complaint narrative:
I recently reviewed a copy of my credit report and noticed a fraudulent account on my credit report. Please remove this account from my report. It is hurting my ability to obtain credit.

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 2024-03-30 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: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Midland Credit Management acct # XXXX has violated my consumer rights. I did not give Midland Credit Management my written permission or instructions to furnish this negative account on my consumer report. I have requested documentary proofs of my written consent given to Midland Credit Management and no other company. 15 US Code 1681 section 602 A states that I have the right to privacy. 15 US Code 1681 section 604 A section 2 states that a consumer reporting agency can not furnish and account without my written permission or instructions. 

PLEASE SEE ATTACHED****

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The following companies have violated my privacy and consent and there is no law that states any transaction needs to be reported on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like all inquires and all negative reporting be removed off my credit report from all consumers who falls under the release of my privacy and consent laws. i did not authorize any if these companies to negatively impact my credit credit rdport.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: OR

Complaint narrative:
This company has now added that XXXX XXXX fraudulent account to my report to reflect it as closed. This is a violation of federal law and my consumer rights. It has already been verified as fraudulent and they still reported it. I will be pursuing legal action. They are affecting my report negatively and intentionally. They already known this was a fraudulent account. We have it in writing. Im contacting arbitration to pursue legal action if this is not REMOVED IMMEDIATELY! 
They are showing an account that I have never opened on my report as closed and it was formulated from identity theft/ Fraud. How negligent can one be with something as precious, private, and valuable as someones 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 2024-03-30 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: TX

Complaint narrative:
I XXXX XXXX XXXX ; in XXXX XXXX, Affirm under penalty of perjury under the laws of the United States of America that this statement is true and correct ; XXXX XXXX XXXX & Manager, I Have no knowledge of this Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX, I DO NOT OWN THIS ACCOUNT I Have never Signed a Contract with you or your Company I did not give any written instructions to furnish my account to XXXX XXXX ; or XXXX XXXX XXXX XXXX XXXX ; in accordance with 15 U.S.C 1681 Section 604 A Section 2, I ORDER these accounts to be removed immediately from my consumer report file : Any Contracts that Have my Name, image or likeness without my permission and written consent is Fraud ; & Void ab initio!

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Now that you have been notified that this information is inaccurate, I ORDER you XXXX XXXX XXXX & XXXX of XXXX XXXX XXXX XXXX XXXX to Immediately Delete this account XXXX XXXX XXXXXXXX XXXX XXXX XXXX, with Equitable Relief from my Consumer Report in accordance with 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. as this file XXXX XXXX XXXX XXXXXXXX XXXX XXXX, has damaged XXXX XXXX XXXX ; reputation and damaged me physically and Emotionally since the report appeared For the Record ; I am NOT requesting the company to verify any information accuracy, I am demanding all consumer reporting agencys and 3rd partys corporations to delete all unauthorized consumer reports stated above, from my file immediately!! I also Demand that I be Compensated for my Damages and {$1000.00} XXXX XXXX Dollars for each Violation In Accordance with 15 U.S.C 1681 section 602 A. & 15 U.S.C 1681 Section 604 A Section XXXX. Pay to the order of : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: NV

Complaint narrative:
I recently reviewed a copy of my credit report and noticed a fraudulent account on my credit report. Please remove this account from my report. It is hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 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: CA

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XX/XX/year> received a text from my bank that my personal information had been changed and to contact them if I didnt imitate the changes. I didnt make the changes and called the bank. They froze my account and told me they can not verify who I am. I provided them with my valid drivers license and a selfie per their requirement, I have tried this twice. They are telling me my selfie isnt verifying. Its my account my money!!! I dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: NC

Complaint narrative:
On XX/XX/2XXXX  I mailed out my disputes to each of the credit reporting agencies requesting that validation of two collection accounts that appeared on my reports. I sent each dispute through USPS Certified mail with tracking and signature upon receipt. XXXX received my dispute on XX/XX/2024 at XXXXXXXX XXXX according to the tracking. XXXX received my dispute on XX/XX/2024 XXXXXXXX XXXX according to the traciking. The Dispute that was mailed to Equifax was lost in the mail so I sent out a new dispute on XX/XX/2024 also using certified mail and that dispute was received on XX/XX/2024 at XXXX according to USPS tracking.In this dispute I requested that each CRA verify the validity of two collection accounts listed on my credit report. the collection accounts are owned by XXXX XXXX and XXXX XXXX XXXX first account being in the amount of {$5300.00} and the next in the amount of {$1600.00}. I formally requested that they investigate the accuracy of these collection accounts and provide me with all pertinent information gathered during the verification process. That would entail but is not limited to : 1. Verification of the debt amount and its validity.

2. Documentation showing the original creditor and the nature of the debt.

3. Proof of any agreements or contracts that authorize XXXX XXXX or XXXX XXXX XXXX to collect on behalf of the original creditor. 
4. Any other relevant information related to the account in question. 
Furthermore, I requested that all correspondence regarding this matter be conducted through certified mail with a signed receipt to ensure proper documentation and delivery. I also included in the dispute that under the Fair Credit Reporting Act ( FCRA ), it is my right to request verification of any disputed items on my credit report and I expected a thorough investigation and prompt response within the time frame mandated by law. Each CRA " completed '' their " investigation '' no less than a week and did not conduct a full investigation on these accounts nor was I contacted or sent any feedback in regards to the validation of these said debts. I also have a document directly from one of the reported collection accounts ( XXXX XXXX XXXX ) that has a different account number than the one that is being reported to the credit bureaus and when I called and reported this to Equifax and XXXX, it was " investigated '' and still verified as accurate which is in direct violation of consumer law and is subject to a civil action. I have given the CRA 's ample time to do their investigation and nothing was done about it. I want these accounts removed immediately due to the CRA 's violation of reporting inaccurate and damaging information to my credit reports all while reporting it as " verified ''

Company response to consumer: Closed with explanation