vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-30 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:
XXXX responding to a complaint I filed with the CFPB for a deletion of an account that has been reporting incorrect and inaccurate information. On XX/XX/XXXX I filed my complaint for the account of XXXX  XXXX XXXX ( account number XXXX ) XXXX XXXX ( account number XXXX ) XXXX ( account number XXXX ) This account has been said to be verified and corrected but that in fact is not true. 
The Credit bureaus stated these accounts were properly investigated but how is that possible when there are still multiple inaccuracies being reported. Ive asked for this account to be DELETED. The CFPB statement response stated I asked for a corrected reported or deletion which is also false inaccurate as well. This account last payment is being reported as XX/XX/XXXX buts its showing the account was in good standing in XX/XX/XXXX. It is also being reported by XXXX that is account has been in good standing with no missed payments from XX/XX/XXXX through XXXX of XXXX is a violates my rights. All the information on this account which is inaccurate and a violation According to Cushman v Transunion XXXX, XXXX, XXXX, and TRANSUNION are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You have violated federal law, by not properly investigating this matter. I have evidence of search via receipts you must not remove the item in any other action, or in action on your behalf, may result in a small claims action against your company I will be seeking {$1000.00} per violation. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a immediate DELETION of the following accounts : XXXX XXXX XXXX ( account number XXXX ) XXXX XXXX ( account number XXXX ) XXXX ( account number 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 2024-05-30 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: CA

Complaint narrative:
XXXX responding to a complaint I filed with the CFPB for a deletion of an account that has been reporting incorrect and inaccurate information. On XX/XX/XXXX I filed my complaint for the account of XXXX XXXXXXXX XXXX ( account number XXXX ) XXXX XXXX ( account number XXXX ) XXXX ( account number XXXX ) This account has been said to be verified and corrected but that in fact is not true. 
The Credit bureaus stated these accounts were properly investigated but how is that possible when there are still multiple inaccuracies being reported. Ive asked for this account to be DELETED. The CFPB statement response stated I asked for a corrected reported or deletion which is also false inaccurate as well. This account last payment is being reported as XX/XX/XXXX buts its showing the account was in good standing in XX/XX/XXXX. It is also being reported by Equifax that is account has been in good standing with no missed payments from XX/XX/XXXX through XXXXXXXX XXXX XXXXXXXX is a violates my rights. All the information on this account which is inaccurate and a violation According to XXXX XXXX XXXX XXXX, XXXX, EQUIFAX, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You have violated federal law, by not properly investigating this matter. I have evidence of search via receipts you must not remove the item in any other action, or in action on your behalf, may result in a small claims action against your company I will be seeking {$1000.00} per violation. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a immediate DELETION of the following accounts : XXXX XXXX XXXX ( account number XXXX ) XXXX XXXX ( account number XXXX ) XXXX ( account number XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Klarna AB
State: NJ

Complaint narrative:
Ive been using Klarna a few months back and it was working fine I never had an issue with them. But if recently i felt targeted by Klarna. They keep lying to me and saying my identity can not be confirm when I try to use the service. Every time I reach out to their support team they all keep giving me different informations. If they dont want to offer me their service they cant simply say so and not lie to the credit bureau about my identity can not be confirmed. All of my information is 100 % accurate yet Klarna is lying about the information. They support team say they can not see any issue but they are escalating it to their back office which you never receive any response from. Im kindly asking the CFPB to have a review about Klarna and its false information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: MD

Complaint narrative:
I am writing to dispute some hard inquiries that appear on my credit report, which are unauthorized and inaccurate. Upon reviewing my credit report, I noticed these unauthorized inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 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: MD

Complaint narrative:
I am writing to dispute some hard inquiries that appear on my credit report, which are unauthorized and inaccurate. Upon reviewing my credit report, I noticed these unauthorized 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 non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
Collection account was placed on my credit bureau for an unpaid medical bill. Ballad made no attempts to collect debt prior to sending this to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099-C ( Cancelation of Debt ) from the following charged off accounts listed below. XXXX XXXX XXXX XXXX After calling XXXX XXXX XXXX they stated their debt was paid off by XXXX XXXX XXXX this account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the 1099-C.

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 2024-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099-C ( Cancelation of Debt ) from the following charged off accounts listed below. XXXX XXXX XXXX XXXX After calling XXXX XXXX XXXX they stated their debt was paid off by XXXX XXXX XXXX this account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the 1099-C.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: NY

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: VA

Complaint narrative:
As shown in the attachment, I have been in correspondence with these agencies to remove incorrect/unverified information to which they have not done. They are currently in violation of privacy laws and causing damage to my person.

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 2024-05-30 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: CA

Complaint narrative:
This is not an error. I am sending my formal notice that this information is a result of identity theft. All this information has been reported to the FTC and is currently under investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
I dont know the specific dates for the past occurrences but its happened 4-5 times since XXXX where I am trading strike options on crypto.com, there is a glitch with their platform system. Most recently was yesterday XX/XX/year>. I was trying to sell my contracts while they were in the money but every time I went to close out my position, the system would not let me close out and my contracts dropped to XXXX and I lose all the money. The glitch locks the option contracts in a way where you can not sell them. Otherwise these trades would have been profitable and I would not lose any money at all. I am an experienced options trader and use this platform to earn extra cash but instead I lose it because of the issues with their apps XXXX and overall function failing to execute the simple of requests. They continue to keep saying they will help and fix the problem but its been happening since XXXX. I have talked to numerous specialists and the all failed to address the problem properly and as soon as I send them messages and evidence of this happening they completely close off the conversation and send me troubleshooting tips which do nothing to fix the problem. The continue to push things along as if they will do nothing to compensate me for system malfunction that is not my fault. I rely on everything functioning properly when trading and this is the only platform where I had something like this happen. My phone is brand new XXXX XXXX, up to date, the crypto.com app is up to date. And the weirdest thing is this Ive been trading their strike options with the take profit tool to minimize risk. Set a sell price and I should sell when the your sell price cross the threshold. Every trader uses tools like this to minimize risk. Ive been using the take profit tool on the crypto.com app. Used take profit this week on Monday, Tuesday, no issues. The tool was there appearing as a selection in the contract details as usual. Then yesterday, Wednesday XX/XX/year>, I was happy because I was about to see my trade hit its sell price for take profit of {$4.00} per contract. It hit the sell and fluctuated up and down around my sell price. I thought this is odd I have never had a trade NOT sell when it hits my target take profit using this take profit tool for crypto.com strike options. Try to turn off the take profit and it wouldnt turn off. Tryed close position big button. Nope contracts still not selling. Tryed turning my phone on and off nope didnt work. Tryed deleting their app and redownloading nope didnt work. All the while Im watching my contacts lose more and more value until finally the timer on the contracts are up and my contacts are worthless. This same senario has happened 4-5 times since XXXX when they released strike options on the crypto.com platform. Idk who else to get in touch with at this point besides you guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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:
I am writing to request the removal of the late payment entries related to the disputed item from my credit report. Despite my efforts to have your bureau verify the incorrect and incomplete reporting, the erroneous information remains on my report. 

Upon contacting the company, it was confirmed that an error had occurred, and they assured me over the phone that the account would be updated promptly. 

Your bureau is legally required to conduct a thorough and timely investigation of disputes, including reviewing all relevant information provided by the consumer, in this case, myself. 

Both XXXX and XXXX have already corrected this account on my report. Therefore, I kindly request that you promptly update this erroneous account. A written confirmation of the correction would be greatly appreciated. Please update the account below. 

XXXXXXXX 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 2024-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Managment has not provided all the documentations, I have requested to Validate the debt. I have provided them with a police report and an identity theft report. They have placed a levy in my accounts and have also continued to negatively report to the credit report and accrue interest on an open investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I was scammed in XXXX and my Capital One credit card was charged at an establishment called XXXX, XXXX ( all XXXX reviews for said establishment indicate that they were robbed by owners ). The total price was {$5.00} and then I saw {$100.00} was charged on my card. I went to the bathroom and noticed that my card was not in my possession and was stolen from me when I got up. We confronted the business owners and they threatened us and a physical altercation ensued. I was able to get my card and ran for fear of safety. I did not authorize more than {$5.00} to be used at this business as they stole and charged my account without my consent. 

On XX/XX/XXXX I alerted Capital One and completed all their forms and the company denied me for no reason.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-30 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:
Hi I received an email from XXXXXXXX XXXX according to a mysterious report from TRANSUNION CONSUMER RELATIONS WWW.TRANSUNION.COMXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They decided to close my account credit card for bad report that I assure you my credit score is faire I have excellente report concerning payment on time etc The credit union report share a wrong credit score and wrong list of my personal assets they states I owne nothing actually I own 2 vhicules that are paid off all this fake report are affecting and damaging my personal life and aggravated my financial situation Im very stress about I have XXXX and it get worse with this XXXX from these credit report Please help me to solve this situation Thank you Looking forward to hear from you

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 2024-05-30 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: CAINE & WEINER COMPANY, INC.
State: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear CAINE WEINER, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically the Missouri Revised Statutes Section 570.223.

It has unequivocally come to my attention that CAINE WEINER has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically the Missouri Revised Statutes Section 570.223, emphasizes the severity of unauthorized access and misuse of personal information in cases of identity theft. This statute defines identity theft and the legal repercussions of such fraudulent activities, including unauthorized use of personal data for credit reporting purposes.

I assert with unwavering certainty that I have not provided consent for CAINE WEINER to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that CAINE WEINER immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri Revised Statutes Section 570.223. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CAINE WEINER will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: CA

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-30 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: CA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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