vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-24 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: GA

Complaint narrative:
In response to XXXX correspondence pertaining to inquiries, please see attachment. 

XXXX is in violation of 15 USC 1681b

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 2024-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: OK

Complaint narrative:
My checking and savings accounts were compromised on XX/XX/2024, and although I reported it within minutes, my accounts were not protected. During the overnight period that night, my account was drained of a little over {$700.00}, and attempts were made to get over {$15000.00} more. This money was all I had. I filed a dispute and the missing money was provisionally credited back to me, but then my accounts were locked and I had no way to access it after I received a debit card to replace the one whose number was used to access the account. Several days ago I received an email that it had all been resolved and the money had been credited back to my account, but then I was told that they were closing my accounts. I have asked specific questions to the department that handles these cases, but have received no answers. I receive a protected direct deposit of XXXX XXXX XXXX, and had asked if it would be impacted by the account freeze, but no answer. I have had these accounts for about XXXX  years, and my family 's only income is my monthly direct deposit of XXXX XXXX. I have emailed them almost daily, letting them know that my situation is pretty much at the emergency level, since we have no money for food, have not had any money to repair a pipe break, so no water, have lost our transportation and will soon be without phone and internet service also, and have just missed our second rent payment so will probably be evicted next week but have no way to even move or store our belongings, and can not access needed medical treatments or medications. We have managed to survive for XXXX weeks on the less than {$1.00} in my wallet, and I really need to be able to get enough of my money in my hands to be able to pay rent and buy food without waiting another XXXX XXXX XXXX for an ACH transfer or a paper check to arrive in the mail. I am not sure we will survive that long without food, water, or shelter, but they are refusing to even answer my attempts at communication. In my last email to them, I did inform them I would be filing complaints unless they contacted me. I have verified my identity with them several times, the latest being XXXX days ago. I did not receive a confirmation of that verification, and I am starting to suspect that they are somehow culpable in all this. I have done nothing wrong and their handling of this matter has been completely insensitive and unprofessional. I was unable to attach copies of all the emails but I have them ... if anyone needs to review them, I can forward them separately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: McCarthy, Burgess & Wolff, Inc.
State: FL

Complaint narrative:
Recently obtain a copy of my credit report and your company

THE MB & W ( MCCARTHY, BURGESS & WOLFF , INC ) currently reporting debt to my credit report and also allowed under the fair debt collection practices act I am requesting that you allow me to validate the alleged debit please provide me with a breakdown of all the charges, dates of service and procedures give me including fees associated with the debit. Can you please provide me with this information as follows : -Validation of debt -please provide a breakdown of fees including any collections costs. -provide a copy of my signature with the provider of service to release my information to you. -requesting purchase agreement between the original creditor. -Cease any credit bureau reporting until debit has been validated by me. -revoking all rights of communicating with you through
email, text, calls These XXXX consum

er laws were also violated : Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means. Collection agency has no authority to furnish any account to a consumer reporting agencies Without providing any and all disclosures required by law and they are in clear violation of 12CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) Please send this information to my mailing address listed above and except this letter as my formal debt validation request, which Im allowed under the FDCPA. Additionally and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the fair credit reporting act which can allow me to seek damages from your collection agency I will await your reply with the above requested proof per the standards you have XX/XX/XXXXdays in ways to respond to the request or this debt will be considered invalid and removed from the credit bureaus expected or damages will be sought after.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied for new XXXX credit card of capital one. It got approved and they send in my mail but before it comes into my mail sombody stole it and activated without my permission and I dont know how he or she took my money spend on XXXX XXXX which was {$370.00} dollars and XXXX more transaction which was {$120.00} and XXXX another transaction {$6.00} from cash advance fees. I asked company and they said we will back the money and will do thourough inestigation on this charges and send u new card. But for my safety i am making complaining because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
USAA has XXXX accounts that I have requested that they properly report the balance to the credit Bureaus. 
XXXX XXXX balance {$3900.00} XXXX XXXX balance {$4800.00} I have requested that USAA properly report the balances versus using balances that are XXXX cycles old. They advised that they do not provide reporting information to bureaus off cycle as they make the decision. As per the fair credit reporting act I am asking for help as this is negatively impacting my credit score. 

When I asked USAA for information to send to the XXXX bureaus they said that send my statement which has too much personal information to send in. They are not willing to get this done and I need it expedited.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$340000.00} XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX Balance : {$340000.00} XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX Balance : {$340000.00} XXXX XXXX XXXX Balance : {$19000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Contacted creditor and was unable to resolve issue of incorrect information appearing on credit credit and unable to resolve matter with creditor.

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 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Contacted creditor and was unable to resolve issue of incorrect information appearing on credit credit and unable to resolve matter with creditor.

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 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Self Financial Inc.
State: LA

Complaint narrative:
Contacted creditor and was unable to resolve issue of incorrect information appearing on credit credit and unable to resolve matter with creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: Rozlin Financial Group, Inc.
State: HI

Complaint narrative:
Rozlin Financial is reporting false debt onto my credit report. The debt has never been mine and was opened using identity theft. The original creditor ( XXXX XXXX XXXX ) has XXXX records of this supposed debt. My credit report was frozen and never accessed by XXXX XXXX XXXX. So if they extended credit they did no checking to verify identity. This must be removed ASAP as the information provided does not match any of my information ( address/phone/email ) at any point. I have filed my identity theft 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 2024-02-24 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: FL

Complaint narrative:
I am in the process of purchasing a home. My debt to income ratio is significantly high because of these student loan accounts. I reached out to XXXX XXXX XXXX for them to verify the information and nothing has been done and i need to close on my home within XXXX  days. Please help to have them remove ALL STUDENT LOAN ACCOUNTS as this is false & inaccurate information that should not be reporting according to the FRCA.

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 2024-02-24 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: FL

Complaint narrative:
I am in the process of purchasing a home. My debt to income ratio is significantly high because of these student loan accounts. I reached out to XXXX XXXX XXXX for them to verify the information and nothing has been done and i need to close on my home within XXXX  days. Please help to have them remove ALL STUDENT LOAN ACCOUNTS as this is false & inaccurate information that should not be reporting according to the FRCA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 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:
I am in the process of purchasing a home. My debt to income ratio is significantly high because of these student loan accounts. I reached out to XXXX XXXX XXXX for them to verify the information and nothing has been done and i need to close on my home within XXXX  days. Please help to have them remove ALL STUDENT LOAN ACCOUNTS as this is false & inaccurate information that should not be reporting according to the FRCA.

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 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Contacted creditor and was unable to resolve issue of incorrect information appearing on credit credit and unable to resolve matter with creditor. Creditor stated my information is not found or able to be located in their system.

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 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Contacted creditor and was unable to resolve issue of incorrect information appearing on credit credit and unable to resolve matter with creditor. Creditor stated my information is not found or able to be located in their system.

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 2024-02-24 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: GA

Complaint narrative:
I reviewed my credit report on XX/XX/XXXX and I noticed some incorrect inquiries and not accurate. and according to the fair credit act whenever a consumer reporting agency prepares a consumer report it shall follow the reasonable laws and procedures required to assure the maximum accuracy of the information concerning the specific individual about whom the report relates. These inquiries and/or accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and according to 15 USC 1681s-2 A person shall not furnish any information relating a consumer reporting agency if the person knows or has reasonable cause that the information is inaccurate.

check the attachments below

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 2024-02-24 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
In accordance with the fair credit reporting act, this creditor APPLE CARD/GS BANK USA has violated my rights. On their 15 u.s.c. 1681 section 602, states I have the right to privacy. 15 u.s.c. 1681 section 604a, section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. On their 15 u.s.c. 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than XXXX  year, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
At the end of XXXX DRS Debt Recovery Solutions called me stating that I owed {$1100.00} as part of a loan paid by XXXX in XXXX TX. I have been to XXXX once and it was way back and before XXXX and the loan or transaction date is from XXXX. I need this reported and removed from my credit, please. I have lived in Texas for 8 years and always in XXXX XXXX. I spoke to DRS and they told me to file an FTC and a police report in order to get it taken off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HW Holding, Inc
State: UT

Complaint narrative:
I was living at XXXX XXXX in XXXX Colorado going month to month. Just recently i chef my credit report and it showed hunter war field was saying i owe {$10000.00} for eviction. XXXX XXXX should have the month to month lease but they won't get bs k to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 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: CA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$75000.00} XXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX  XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX  Balance : {$860.00} XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$340000.00} XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX  XXXX Balance : {$340000.00} XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX Balance : {$340000.00} XXXX XXXX XXXX Balance : {$19000.00}

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 2024-02-24 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: WA

Complaint narrative:
Unauthorized inquires by 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 2024-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Collection Bureau, Inc.
State: TX

Complaint narrative:
I have not received any written communication about the debt. I receive texts from the original establishment telling me about a balance and I believe the dates are incorrect. Also, they have not labeled it medical debt after several attempts to when it clearly states that it from a hospital.

Company response to consumer: Closed with explanation