vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-11 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: FL

Complaint narrative:
My right to privacy is protected under laws enacted by Congress to safeguard consumers. By permitting unauthorized access to my financial information, you have not only breached federal statutes but have also trampled on my constitutional rights, causing undue harm and distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
I noticed a collection on my credit report for {$770.00}. 
The company name is : LVNV Funding LLC. I called XXXX and they said its a debt from XXXXXXXX XXXX, an electric company. I have never lived in Texas, nor do I own any property in XXXX nor do I have any relatives or friends in Texas. This is a fraudulent charge that is affecting my credit score in a negative way. 

I disputed this charge with XXXX on XX/XX/year> and they got back to me and said that the charge is valid. XXXX disputed the charge again today and asked for document, proof that this debt is mine which I know they would not be able to produce because this debt is not mine. 

Please assist me to remove this charge from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: LA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, which has led to unauthorized accounts and inquiries being added to my credit report. As outlined in 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following fraudulent accounts and inquiries from my credit report immediately. 
Fraudulent Accounts : XXXX. XXXX  XXXX - XXXX - Opened : XX/XX/XXXX - Amount : {$840.00} XXXX. XXXX XXXX XXXXXXXX - XXXX - Opened : XX/XX/XXXX - Amount : {$3400.00} XXXX. XXXX - XXXX - XXXX : XX/XX/XXXX - Amount : {$0.00} Fraudulent Inquiries : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, an XXXX  Google XXXX subscription connected to my XXXX ( formerly XXXX XXXX ) subscription account. 

I contacted XXXX to cancel but they refused, claiming it can only be done through Google XXXX. I contacted Google XXXX and they refused to cancel as they wouldn't confirm what account it was. 

XXXX also refuses to delete my account. 

My account is under name " 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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX ) XXXX XXXX XXXX To whom this concern is received a car loan and I surrender the car so with that being said they auctioned the car off and left me with a balance but the people they referred me to didn't have the correct information for me. 

XXXX XXXX XXXX XXXX XXXX They was another loan place that turned me down for a car loan and it's XXXX hard hits on equifax it was XXXX ago XXXX ) Student loans are in forgiveness and still showing up on the transunion XXXX ) Child support needs adjustment the information is incorrect

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX ) XXXX XXXX XXXX To whom this concern is received a car loan and I surrender the car so with that being said they auctioned the car off and left me with a balance but the people they referred me to didn't have the correct information for me. 

XXXX XXXX XXXX XXXX XXXX They was another loan place that turned me down for a car loan and it's XXXX hard hits on XXXX it was XXXX ago XXXX ) Student loans are in forgiveness and still showing up on the transunion XXXX XXXX XXXX XXXX needs adjustment the information is incorrect

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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
Have tried for a month to thaw the freeze I have on my Experian credit report account but am unable to speak with a human to determine why the Experian system doesn't recognize my user name, password, telephone numbers, tells me my birthdate and social security number don't matchup with what Experian has, I have called every phone number I have been able to find for Experian ... each number leads to the same automated voice response that puts me in a loop I am unable to get out of. I repeatedly ask to speak to manager and always get the same response... I can not be connected to a specialist at this time because such a connection is for limited reasons. I believe Experian has my information mixed up with someone else 's information. There are many complaints online about not being able to speak with a human at Experian. How can Experian stay in business if one can not speak with anyone to help resolve issues like mine?

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 2024-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Collection Management Holdings, LLC
State: PA

Complaint narrative:
On XX/XX/year> at or about XXXX XXXX  I returned a phone call to XXXX XXXX XXXX. A lady answered and I was speaking with her. She told me it was a debt for court cost in excess of {$9000.00}. I told her that there was no way I could do anything at the moment. I told her I could start something in a couple months. She informed me that they could only hold it for a certain amount of time. I told her that I couldn't even think about it until at least XXXX. She said again that hey could only hold it for a few months could I make good faith payments. I told her I couldn't. She said expect the phone calls to continue and that I should start dealing with my priorities. I told her that she doesn't know what my priorities are and that she was out of line. She said something again about my priorities. Again I said that she wad out of line and she insists that she wasn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: NY

Complaint narrative:
In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX 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 a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate reporting of my SYNCB/JCP account XXXX # XXXX ) on my credit reports with XXXX, XXXX, and XXXX. Despite my repeated disputes over several months, these errors have not been corrected, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Specific Issues : Incorrect Status Reporting : The account is reported as Negative even though the balance is {$0.00}, and the account was paid in full. This misrepresentation damages my creditworthiness.

Payment History Errors : The account is marked as Current, but it inaccurately reflects three instances of 30 Days Late payments. This should not appear on a paid and closed account.

High Balance Discrepancy : The high balance reported is inconsistent : XXXX reports {$110.00}. 
XXXX and XXXX report {$810.00}. 
Accurate and consistent data must be reflected across all three credit bureaus. 
Harmful Comments : The comments section notes Closed by XXXX XXXX or Canceled by XXXX XXXX, which unfairly portrays the account closure. The correct comment should reflect Closed or Paid Account/XXXX  Balance or Paid as Agreed. 
FCRA Violations : Violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers are required to report accurate information. Reporting a paid account as negative and including late payment notations is a clear violation.

Violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : My repeated disputes were not corrected within the required 30-day timeframe, violating my right to accurate reporting.

Failure to Conduct a Proper Investigation ( 15 U.S.C. 1681s-2 ( b ) ) : SYNCB/JCP has failed to investigate and correct these inaccuracies, as required upon receiving notice of my disputes.

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 2024-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I purchased bitcoin on XX/XX/XXXX with an intention to send it to another wallet. Paypal deducted the purchase from my checking account on XX/XX/XXXX but as of XX/XX/XXXX has yet to make the purchase available to send.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I took my vehicle in to XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My purpose was for the XXXX XXXX to be replaced for XXXX but instead my car was damaged and the mechanics admitted to forgetting to put a seal on and gave me the car back. I noticed excessive transmission fluid leaking and took it back for them to start using a hammer to bang the axel and other parts very aggressively which I later confirmed at XXXX XXXX  caused a damaged seal and damaged axel which they replaced. I did not authorize him to charge my card XXXX and destroy my car, and he is claiming I paid for something that I did not even take my car in for. I requested cash app to fully refund my funds and filed a complaint with the CA state of California department of automotive repair.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-11 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with XXXX XXXX. XXXX and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per XXXX U.S.C. XXXX, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit reportXXXX 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with XXXX XXXX. XXXX and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per XXXX U.S.C. XXXX, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-11 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, Re : Dispute of Inaccurate Information and Late Payments on OPEN Account I am writing to dispute the inaccurate information reported on my credit report for the following OPEN account : - Account Name : XXXX - Account Number XXXX XXXX XXXX reports the account was paid as agreed, with a 100 % on-time payment history. However, XXXX and TransUnion report XXXX payment, which is inaccurate. Despite multiple disputes ( over 1 times ), the error persist. 
I request your assistance in resolving this matter. The FCRA requires accurate reporting, and I demand correction. 

Please investigate and take appropriate action to correct this error. 
Sincerely, 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 2024-12-11 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: MD

Complaint narrative:
I im writing this regarding late payment report on my account. i respectfully request an investigation into this matter and removel of the late payment from my credit report, as i believe it may be inaccurate or unfairly reported.under the provision of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. I was not properly notified of the payment due date or amount.

Under law 15 U.S. Code 1666b-Timing of payment a disclosure was supposed to send to me no later than 21 days before the payment due date and this disclosure was never sent to me either did i receive it.

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 2024-12-11 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: OR

Complaint narrative:
Fraudulent and unauthorized information continues to plague my consumer report despite multiple attempts to resolve the issue. These inaccurate items, resulting from identity theft, have caused profound personal and financial distress, significantly impacting my life and well-being.

Company response to consumer: Closed with non-monetary relief