vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX financial never reported my car paid in full, never late please delete these inquiries from my credit report. i never applied for any inquiries XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  ( XXXX ) XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Bank ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Bank ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX XXXX ( XXXX ) XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  ( XXXX ) XXXXXXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXl ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Union ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX 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 non-monetary relief
Consumer complaint received 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXXXXXX XXXX never reported my car paid in full, never late please delete these inquiries from my credit report. i never applied for any inquiries XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX CARDS XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Bank ( XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Union ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquiry : XXXX XXXX, 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 2022-08-01 00:00:00
Product: Credit card or prepaid 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclays just took over my account which was previously held by XXXX Bank. Upon taking them over I was in a dispute over charges. When I called XXXX at that time they said they no longer had the account and I needed to call Barclays ( that was XX/XX/2022 ). Upon calling Barclays that day, I spoke with an XXXX who told me that I needed to call back in 30 days since the information had not fully transferred over. When I called back on XX/XX/XXXX, I spent XXXX hours on the phone. I first spoke with XXXX who told me to put in the fraud charges on my end on the computer ( there were XXXX separate charges on the same day made at the same place totaling {$530.00} ). When I put in the first claim it closed out my account, and I could no longer get to it to put in the second. She then tried to transfer me to the fraud department to which she was saying they were having problems on their end she gave me a number and I had to wait 30 minutes and call that number. Well it brought me back to square one, and I had to go through everything all over again. I then spoke to XXXX he told me he spoke to the fraud department, and that because these charges happened before they took over the account that I needed to contact XXXX. I told him that they told me to contact them! I asked to speak with a XXXX to which I spoke to XXXX for a total of XXXX minutes and he then transferred me to the fraud department. I then spoke with XXXX, I was talking with her explaining everything and she kept putting me on hold. The last hold she put me on was extremely long. I was on the phone with her for 40 minutes, and then I was disconnected! She obviously had all my information, and she never called or emailed either to say we were disconnected. Basically hung up on as I had the message from the phone company. I want these charges reversed as these were not made by me! I spent 3 hours of my day getting nothing accomplished and I do not have 3 hours to do this again.

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 2022-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: PA

Complaint narrative:
Three months ago a overdraft was deducted from my payroll account in the early XXXX  hours. The very same day @ XXXX  I walked into key bank in XXXX XXXX, PA XXXX with a credit Union check to deposit it into my account. Afterwards I was told it will be froze due to the negative account previously. The negative was taken care of 8 hours before submitting the check. The hold lasted over 10 days counting the weekends and not just the 5 days explained. I was not awarded the 4 hours after XXXX XXXX  the day of which made it ( 2 ) weekends. All this started late fees on other bills creating additional charges I was forced to pay, causing more overdrafts later. 
Fast forward going from paycheck to paycheck I paid {$300.00} to fix account again only to find it worse. I have been a victim of this from XXXX XXXX, XXXX  XXXX, and now KEY BANK. I was not even part of the settlement now have no income to deal with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting Act.The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX has violated my rights. XXXX XXXX XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX has violated my rights. XXXX XXXX # XXXX has violated my right. 
Bank XXXX XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting 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 than seven years.15 U.S.C 1681s-29 ( a ) ( 1 ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know 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 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ) .Account Name has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. 

XXXX XXXX XXXX Account number XXXX - HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions DEPT OF EDXXXX. Posted XXXX on XXXX Account number XXXX - HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX Account number XXXX - HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ) .Account Name has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. 

XXXX XXXX XXXX Account number XXXX - HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions DEPT OF ED/XXXX. Posted XXXX on XXXX Account number XXXX - HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX Account number XXXX - HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
On XX/XX/XXXX, American Express sent a message to me notifying that my account has been placed in collections placement. After having on-time payments for 2+ years and due to the impact of COVID-19 which I've tried to communicate with them, they closed the account with no suitable justification other than the account having a past due balance. This measure seems very extreme and excessive and an unwarranted exercise of improper actions taking for a small account unless internally they're looking to close unwanted account from an act of prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Brown’s New Credit Bureau Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX or XXXX Stated " Additionally per this dispute consumer lives in a " closed state for collections '' meaning since Browns Collection conducts business with an AZ license we can not mail anything to the consumer in XXXX Maryland with out a written signed consent. '' I did not nor ever have given consent to be harassed in writing or electronically. MY rights per the Attorney General in Arizona website were violated and FDCA. This is a demand for immediate remedy and recourse. 
XXXX XXXX XXXX The fact that an authorization letter has been sent with a fraudulent address knowingly made with the intent to collect a debt not owed or validated is grounds for identity theft because I never released this information to this company. 

15 USC 1692 15 USC 1681 HR 5332

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
I am trying to resolve my debts that were reported on my credit report. I have settled all but one. On my credit report it shows that XXXX XXXX XXXX holds it for {$920.00}. The phone number attached is XXXX. When I called XXXX XXXX XXXX on XX/XX/22 to settle the account by paying the amount in full, I was given a different number of XXXX. That phone number is for XXXX XXXX. When I spoke to someone at XXXX XXXX on XX/XX/22 about resolving the debt I was told that it was for {$1100.00}. That is a difference of {$200.00} from what is showing on my credit report. The people on the phone were rude and one even hung up on me. I even have recordings of the phone calls. 
The last person that I spoke to told me that they received the collections from XXXX and that the amount was {$860.00}, so that is a difference of {$260.00}. 

I have recording of all of the phone calls resolving the debts in full, and I have screen shots of the credit report showing the amount that I was trying to pay in full. 

With the amounts being different in multiple ways I would assume this is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Funding has violated my rights! I received a letter in the mail in regards to an account you are attempting to collect a debt for that originally belonged to XXXX XXXX XXXX  XXXX. Pursuant 15 USC 1692g a notice to dispute the validity of the debt was not issued. Midland Funding violated my rights by furnishing information on my consumer report without the intent to coerce payment in the amount of {$590.00}. On my consumer profile this account they are aggressively attempting to collect on is listed as a collections account with the account type DebXXXX buyer. XXXX XXXX XXXX  XXXX assigned and sold the alleged debt to Midland Funding. I am requesting Midland Funding to provide me with a forward flow agreement between the XXXX. I called Midland Funding to ask for a debt validation. They could not provide me with the necessary documentation proving they have the right to collect, harass, or furnish incorrect information to the credit reporting agencies. Midland Funding is purposely furnishing the amount of {$590.00} as a balance owed to all CRAs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
On XX/XX/2022. I checked my credit report on XXXX XXXX and saw an account that I've never seen before. the way if shows on XXXX XXXX is : FEB-RETAIL Credit Limit {$4000.00} Opened XXXX XXXX FEB-RETAIL XXXXXXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX This is not my account I never opened it. This is Identity theft. I lost XXXX points on my credit report because of it. It needs to get restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX, TransUnion, and XXXX are all reporting inaccurate information on my credit profile, which is causing major damage to my credit history. The credit bureaus have stated they did a thorough investigation, but I find that hard to believe because I am still finding inaccuracies being reported. They are reporting different information, and this is illegal. If an accurate investigation was done, why are the account balances, dates of last activity, high credit limits, monthly payment balances, and account numbers different from the other? Shouldn't they all be reporting the exact same information if it was deemed accurate and properly investigated? I have attached screenshots along with the inaccuracies I found are highlighted. I am requesting the following accounts be removed immediately due to inaccurate reporting, proving the credit bureaus did not properly verify the inaccuracies that I have recently 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 non-monetary relief
Consumer complaint received 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I sent a letter regarding an inaccurate report info and unknown things being on my credit report to XXXX 60 days ago. I have not received as response yet and seems as if my dispute.. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 2. under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( XXXX XXXX XXXXXXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$970.00} on my credit report that is seriously damaging my credit scores PPlease delete this inaccurate information form my credit report XXXX under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$1400.00} on my credit report that is seriously damaging my credit scores PPlease delete this inaccurate information form my credit report 4. Under 15 US Code 1692j this agency and debt collector is in violation. I demand cease and desist under 15 usc 1692c immediately XXXXXXXX XXXX  Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 5. Under 15 US Code 1692j this agency and debt collector is in violation. I demand cease and desist under 15 usc 1692c immediately XXXX Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence 6. Under 15 US Code 1692j this agency and debt collector is in violation. I demand cease and desist under 15 usc 1692c immediately XXXX XXXX Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence 7. Under 15 US Code 1692j this agency and debt collector is in violation. I demand cease and desist under 15 usc 1692c immediately XXXX XXXX Account Number : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence

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