vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I do not recognize these accounts nor authorize these that you block this information from my credit report within 4 business days, pursuant 605c of the fair credit reporting act, I am a victim of XXXX XXXX  of debt bondage and would like for the accounts to be blocked and deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper XXXX validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
I require PORTFOLIO RECOVERY To answer and provide me with the documentation to the following questions : What was the Max the application was run for? 

How did the all caps name get from the account receivable at receiving my card and then swapped to account payable turning my credit card into a debit card? 

Provide the original instrument on the underlying obligation. Unless it's normal business practice for PORTFOLIO RECOVERY to restrict trade and performance. 

Who is the original creditor? If PORTFOLIO RECOVERY is not the original creditor, then I require PORTFOLIO RECOVERY mandatory license, Insurance and bond information to be a qualified debt collector, to indemnify me for your commercial liability for making a false claim against my estate. 

Provide the ( GAAP ) generally accepted accounting principles for this account. 

Provide a certified copy of the Ssa-89 form prior to the initiation of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
am writing to file a formal complaint against TransUnion, a consumer reporting agency. 
for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
On [ Date ], I sent a letter to TransUnion notifying them of the reinsertion of XXXX  account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, TransUnion has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations.

TransUnion 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with TransUnion, they have neglected to take appropriate action, demonstrating a lack of accountebility compliance with federal consumer protection laws.

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 2024-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA XXXX. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-10-13 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: WA

Complaint narrative:
Yesterday, XX/XX/year>, I received an email from XXXX XXXX stating my score changed. I logged in and saw that my XXXX account had closed and opened a new one. XXXX sent emails in XX/XX/year> to state they would still be the service agency handling my loans but they were internally updating the platform to a new URL. If there is an internal platform upgrade, I understand that this should not cause my account to close and reopen, which will adversely affect my XXXX XXXX. Because XXXX will continue to be my loan service authority and not a new service agency, this should NOT have affected my credit score at all with an internal system upgrade. 

XXXX should have either stated in their emails about the transition that credit scores may be affected or that this should not have affected anyone 's credit score by closing and opening the account on their credit report. This is not a new account or servicer. This type of misinformation on XXXX 's part should be corrected, and the agency held accountable for its extremely poor business practices. This is not the first time XXXX has been a frustrating and challenging experience to navigate my student loan repayment.

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 2024-10-13 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: WA

Complaint narrative:
Yesterday, XX/XX/year>, I received an email from Credit Karma stating my score changed. I logged in and saw that my XXXX account had closed and opened a new one. XXXX sent emails in XX/XX/year> to state they would still be the service agency handling my loans but they were internally updating the platform to a new URL. If there is an internal platform upgrade, I understand that this should not cause my account to close and reopen, which will adversely affect my credit score. Because XXXX will continue to be my loan service authority and not a new service agency, this should NOT have affected my credit score at all with an internal system upgrade. 

XXXX should have either stated in their emails about the transition that credit scores may be affected or that this should not have affected anyone 's credit score by closing and opening the account on their credit report. This is not a new account or servicer. This type of misinformation on XXXX 's part should be corrected, and the agency held accountable for its extremely poor business practices. This is not the first time XXXX has been a frustrating and challenging experience to navigate my student loan repayment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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: WA

Complaint narrative:
Yesterday, XX/XX/year>, I received an email from XXXX XXXX stating my score changed. I logged in and saw that my XXXX account had closed and opened a new one. XXXX sent emails in XX/XX/year> to state they would still be the service agency handling my loans but they were internally updating the platform to a new URL. If there is an internal platform upgrade, I understand that this should not cause my account to close and reopen, which will adversely affect my credit score. Because XXXX will continue to be my loan service authority and not a new service agency, this should NOT have affected my credit score at all with an internal system upgrade. 

XXXX should have either stated in their emails about the transition that credit scores may be affected or that this should not have affected anyone 's credit score by closing and opening the account on their credit report. This is not a new account or servicer. This type of misinformation on XXXX 's part should be corrected, and the agency held accountable for its extremely poor business practices. This is not the first time XXXX has been a frustrating and challenging experience to navigate my student loan repayment.

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 2024-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Every month, XXXX continues to debit my account for services that were cancelled in XXXX. This payee can not add this to the list to stop payments for some reason, and I can't block it. There is no where to contact Wells Fargo to report this charge online.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear CFPB, I am writing to formally dispute inaccurate information that appears on my credit report. The details of the disputed accounts are as follows : Dispute letters were mailed to XXXX XXXX and XXXX XXXX XXXX as well as the 3 Credit Bureaus and no one is responding, and I want these ( 3 ) negative accounts Deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that the DEBT COLLECTOR Provide proof of this alleged item. I request to be provided with specifically the original application, contract, note, or other instrument bearing my signature. In addition, any contract signed between DEBT COLLECTORS and the original creditor, notarized and sworn under penalty and perjury granting this DEBT COLLECTOR ability to collect this alleged debt. Failing that, the items must be deleted from the report as soon as possible. 

I kindly request that the CFPB investigate these matters and ensure that the inaccurate information is corrected or removed from my credit report. 

Please confirm receipt of this letter and keep me informed of the progress of your investigation. I appreciate your prompt attention to this matter. 

Thank you for your assistance. 

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 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear CFPB, I am writing to formally dispute inaccurate information that appears on my credit report. The details of the disputed accounts are as follows : Dispute letters were mailed to XXXX XXXX and XXXX XXXX XXXX as well as the 3 Credit Bureaus and no one is responding, and I want these ( 3 ) negative accounts Deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that the DEBT COLLECTOR Provide proof of this alleged item. I request to be provided with specifically the original application, contract, note, or other instrument bearing my signature. In addition, any contract signed between DEBT COLLECTORS and the original creditor, notarized and sworn under penalty and perjury granting this DEBT COLLECTOR ability to collect this alleged debt. Failing that, the items must be deleted from the report as soon as possible.

I kindly request that the CFPB investigate these matters and ensure that the inaccurate information is corrected or removed from my credit report.

Please confirm receipt of this letter and keep me informed of the progress of your investigation. I appreciate your prompt attention to this matter. 

Thank you for your assistance. 

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 2024-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-10-13 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: SC

Complaint narrative:
Please note these accounts and inquiries are not mine. I need help removing this. Data breach must have stole my social ss # this is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: OH

Complaint narrative:
I am writing to you once again regarding the unauthorized credit inquiries that still appear on my credit report. As a consumer, I am entitled to accurate information reported about me under the Fair Credit Reporting Act ( FCRA ). Despite my previous dispute and my request for an investigation into these inquiries under Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ) of the FCRA, I have yet to receive a satisfactory resolution or sufficient documentation justifying the presence of these inquiries on my credit report.

Disputed Inquiries :

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 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
SEE ATTACHED CREDIT DISPUTES THAT WAS SENT TO THE CREDIT BUREAUS ON XXXX OCCASSIONS WITH " NO RESPONSE ''

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 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
SEE ATTACHED CREDIT DISPUTES THAT WAS SENT TO THE CREDIT BUREAUS ON XXXX OCCASSIONS WITH " NO RESPONSE ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
XXXX - XXXX, XXXX XXXX XXXX {$260.00} MCA MANAGEMENT COMPANY XX/XX/year> I'm XXXX, disputed XXXX FYI : It's XXXX  facility Please acknowledge my complaint respectfully.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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:
I'm asking for your assistance in dealing with the incorrect account thats showing up on my credit report. This issue has harmed my reputation, and I urgently need your help to correct it. The inaccurate reporting has caused me significant personal and professional damage. Please remove these false details from my credit record.

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 2024-10-13 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: PA

Complaint narrative:
XXXX Report # XXXX XX/XX/year> page XXXX of XXXX Has XXXX as a hard Inquires in which i never heard of XXXX nor applied for any credit under XXXX showing on my credit file. 

I want documents of signature what was the loan application who how it was sign docusign or how ever the information was gathered. 

I want XXXX to provide proof as a hard INQUIRE to XXXX placed on my credit file XXXX XXXX Unspecified by XXXX to the reason on my credit file

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 2024-10-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX Report # XXXX XX/XX/year> page XXXX of XXXX Has XXXX as a hard Inquires in which i never heard of XXXX  nor applied for any credit under XXXX showing on my credit file. 

I want documents of signature what was the loan application who how it was sign docusign or how ever the information was gathered. 

I want XXXX to provide proof as a hard INQUIRE to XXXX placed on my credit file XXXX XXXX Unspecified by XXXX to the reason on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: AL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please Modify the following items on my credit report to XXXX XXXX on-time payments, immediately : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: PA

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer 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 non-monetary relief