vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-12 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: IL

Complaint narrative:
I need IMMEDIATE ASSISTANCE I have been going back and forth regarding these two accounts for over a year. I am not liable for the debt of XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ( {$1200.00} ) and XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( {$510.00} ). I do not have a contract with XXXX XXXX, they did not provide me with the original contract as I requested with my wet signature etc or even with proof of the validation of debt. I sent multiple request seeking validation from Transunion and XXXX none sent back VALID proof. In addition, you are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance.15 USC 1681 ( i ) This is inaccurate reporting and needs to be removed immediately. XXXX and XXXX was unable to verify the debt and it was immediately deleted. I'm curious as to why Transunion still reporting without proper validation. This has been over a year I demand this to be deleted immediately. Please see all proper documentation even the inaccuracies that was reported to Transunion!

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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reviewed my credit report and came across unfamiliar accounts. Despite my attempts to contact the relevant parties for verification, they have consistently ignored my requests and have not provided any verification.

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 2024-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express cancelled all of my cards with them one day unexpectedly. With no reason why. When I apply for a new card, I recieve a generic denial : " We are writing to let you know that, unfortunately, we can not approve your request because we have determined that you have previously engaged in abuse, misuse or gaming in connection with one or more American Express accounts. '' I have no idea what this means. and have called the XXXX number several times to figure it out what terms of service I broke, no respresentitive can give me an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries. I have no knowledge of obtaining any of the inquiries listed here.

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 2024-04-12 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: TN

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
My husband and I agreed to have our credit run to see the cost of a time share In XX/XX/year> with XXXX at XXXX XXXX XXXX in XXXX XXXX. We specifically told the representative we were not interested in opening an account just to look at the numbers. In XXXX our credit was ran for a mortgage loan application. We received a copy of the credit report in XXXX. On the report it showed a {$15000.00} line of credit through Barclay Bank of Delaware. Neither me or my husband received an information in person, through the mail or through email that an account was opened in our name. I contested the account through XXXX, XXXX and XXXX. Barclay reported to the credit unions the account info was correct. I called Barclay Bank of Delaware, they asked for our account number I explained we didn't have it because we did not agree to open the account. I asked for the account to be closed. They transferred me to another representative in the fraud department. I told that representative that I want the account closed we never authorized for the account to be opened in our name. The rep told us it would be closed. We had our credit pulled again in XXXX. This time it showed that we had an account with Barclay for {$20000.00}. On the XXXX credit report it under Barclay it states it needs Social Security and phone number for borrower. 

We still have not received any documentation of the existence or closure of the alleged account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX Received a credit notification from XXXX credit monitoring, stating that a collection was placed on my file on XX/XX/XXXX. 

Source was Amsher Collection Services , Inc XXXX/ for XXXX in the amount of {$450.00} /acct # XXXX I disputed information as inaccurate, I am a current customer with XXXX in good standing Dispute came back as verified, I immediately contacted collection agency. They stated that XXXX verified the account as belonging to me. 

I contacted XXXX serval times and they did a search with make back with no results of me owning them anything. The last contact was with XXXX XXXX in XXXX, XXXX. She gave me a complaint # XXXX an stated that I never owed XXXX and that I should not have been placed in collections. 

This happened at a time when I was attempting to get business funding to purchase a property, Unfortunely because my credit score went down because of the incorrect collection information I was not able to get the business funding,, which would have been between XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries. I have no knowledge of obtaining any of the inquiries listed here.

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 2024-04-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries. I have no knowledge of obtaining any of the inquiries listed here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: NE

Complaint narrative:
I beg you please remove this from the credit 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 2024-04-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX ) XXXX XXXX : Account # XXXX Under 15 U.S. Code 1681i ( 5 ) ( B ) ( I ) ( iii ). This item was deleted and you reinserted it without notifying me 5 days prior to re-adding. This account is in violation!

Under 15 U.S.Cose- 1666B- This is a billing error, account always paid as agreed and on time. This account is in violation. Additionally, dates of payments are not listed, missing and or are just completely blank. This is a VIOLATION!

Under 15 U.S. Code 15 U.S. Code 1605 ( a ) - If a Finance Charge was included which is the sun of all payments, there should be no payments on this account. This account is in violation!

Under 15 U.S. Code1681b- permissible purposes of consumer reports. I have never given anyone written consent to report anything on my consumer reports. No consent is Fraud! This account is in violation!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: IL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Pleasee Correct/Update. This Inaccurate information On My CreditReport.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: IL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My made multiple attempts to pay my monthly car note payment. The payments are not going through because Capital One keeps trying to take the money from my savings account and not my checking account. Ive called XXXX to update the information. Most recently, on XX/XX/2024, I called in and spoke to a rude Rep and updated my checking account information again and today the payment declined for insufficient funds. I dont recall ever giving my saving account info and i have attempting to fix this problem multiple times. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: LA

Complaint narrative:
I always pay on time and never missed a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kansas Counselors, Inc.
State: KS

Complaint narrative:
Kansas counselor placed an item on my credit report but didnt send anything in regards to the debt owed. They never once contacted me and refused to give me documentation of the debt owed. I then asked them for the information again it took them XXXX months to send me the information. I then contacted the original creditor and they didnt file my insurance that was given to them at the time of service. Most recently, my credit report has showed this on file for a collection and past due account. Had the debt collection done its job I would have be able to resolve the issue with the creditor in a timely manner. I would have not received a negative account on my report. When I talked to them they said it was problem to resolve and that I needed to pay this debt! This was neglect from them and should be treated as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: AZ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 2024-04-12 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: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please thoroughly validate all the information provided. This entails ensuring that each detail presented is accurate, complete, and in compliance with relevant laws and regulations. Validation encompasses verifying the authenticity of documents, confirming the accuracy of data entries, and ensuring that all information aligns with established standards and requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit 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 2024-04-12 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: CA

Complaint narrative:
XXXX ) XXXX XXXX : Account # XXXX Under 15 U.S. Code 1681i ( 5 ) ( B ) ( I ) ( iii ). This item was deleted and you reinserted it without notifying me 5 days prior to re-adding. This account is in violation!

Under 15 U.S.Cose- 1666B- This is a billing error, account always paid as agreed and on time. This account is in violation. Additionally, dates of payments are not listed, missing and or are just completely blank. This is a VIOLATION!

Under 15 U.S. Code 15 U.S. Code 1605 ( a ) - If a Finance Charge was included which is the sun of all payments, there should be no payments on this account. This account is in violation!

Under 15 U.S. Code1681b- permissible purposes of consumer reports. I have never given anyone written consent to report anything on my consumer reports. No consent is Fraud! This account is in violation!

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 2024-04-12 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MN

Complaint narrative:
GENESIS MANAGEMENT LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reviewed my consumer report and noticed that Genesis has reported a debt on XXXX which is causing me harm. 

According to 15 USC 1692cc this is a violation of the law. If a consumer notifies a debt collector that the consumer refuses to pay a debt the collector must cease all communication. Reporting to the consumer report is a form of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: TN

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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