vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please note that I am the author of this complaint and all attachments. 

The credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute.

The furnishers are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n

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 2023-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
Debt Collectors trying to get me to pay a debt that I do not owe them. according to FCRA. I needed to be contacted before any negative items are placed on a credit file. 
Did not send me the items I requested to prove I owed this debt collector any funds. This company violated state and federal collection laws. 

: Letter attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My name is XXXX XXXX I deposit check XXXX cent XX/XX/22 and this is check send me labor department ( US ) and he hold I have to pay my balance

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 2023-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX and the XXXX I was making transactions using my debit card linking it to my cash app card to buy items off of a life. The company that I was purchasing these items from then blocked me and didnt receive my money I try to dispute the transactions through my bank account, which is capital one they told me that they couldnt do anything to help me the amount was about {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: PA

Complaint narrative:
I received a letter on XX/XX/XXXX that is telling me I am being sued for a credit card debt from XXXX XXXXXXXX that I have not had since XXXX. They state my balance due is XXXX. The letter states I must appear in court on XX/XX/XXXX. As an alternative than to appear in court I can pay XXXX.up until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
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

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 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In accordance with the fair credit reporting act, XXXX Account # XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states that a consumer reporting agency can only furnish an account with my written instructions.

15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Company : PENTAGON FEDERAL CR UN Address : XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Credit Card : Ending in # ... XXXX During the week of XX/XX/XXXX, I spoke to PenFed representative XXXX XXXX. She confirmed that if I made a payment to this credit card by Friday, XX/XX/XXXX, it would bring the account current and that no negative information would be reported to the Credit Bureaus. I made the payment on Friday, XX/XX/XXXX, as I promised. However, the next day, Saturday, XX/XX/XXXX, PenFed Credit Union still reported me 30 days late on this credit card account. PenFed has reported this information to all three Credit Bureaus, and my credit score has suffered significantly as a result ; negatively impacting my ability to buy a home.

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 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
last month i took a look at my credit report and noticed that i had 2 fraudulent accounts on 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 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, 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: IN

Complaint narrative:
XXXX XXXX CHILD SUPP continues to reappear on my account. I have never been late or been in collections on my child support. In addition, this account is over 7 years old. Per the FCRA, I demand that this account be deleted from my credit report or updated to " Never Late '' or I will be pursuing litigation for {$1000.00} per incorrect item.

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 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian keeps adding old addresses to my report. I can not receive mail at these addresses by XXXX. According to FCRA these should be removed from my 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 non-monetary relief
Consumer complaint received 2023-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Someone applied for a credit card with Comenity Capital Bank under my name I was issued at hard inquiry from the credit bureaus. 
I have received a letter from Comenity the the account has been closed upon finding out the the account was opened without my authorization.

I like to have the hard inquiry erased from my credit report as I am in the process of buying a house.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, 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: MN

Complaint narrative:
Experian ; I am filing a formal complaint/dispute after review of my credit report. You are reporting incomplete credit reporting on XXXX XXXX account number XXXX. The payment history is missing. This is FCRA violation, all information must be 100 % accurate and verifiable. Please remove this violation immediately and please provide me a updated credit report showing the deletion. 

Thank You, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please note that I am the author of this complaint and all attachments.

The credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute.

The furnishers are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/XXXX PayPal limited my account without noticed this limitation has completely cut me off from any access to my money Ive contacted PayPal several times to release the funds and they refused they said I have to wait 180 days. 180 to wait on my money that I go to work for is absurd they refused to lift the limitation so I can access my funds. I need my funds immediately its not right nor far to cut someone off from their funds that they worked hard for especially a single mother. PayPal also stated that since the account is limited I cant transfer money yet I made a transfer when the account was limited and then once they were made aware of that they put extra precautions on the account as if its not MY MONEY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX, XXXX and Transunion are showing several accounts that are not mine and a result of identity theft / fraud. 
I am prepared to file suit against all 3 bureaus as this is causing a lot of conflict when I am applying for things. 

XXXX : XXXX XXXX XXXX : open XX/XX/XXXX balance 0 Charge off XXXX XXXX XXXX XXXX : open XX/XX/XXXX Balance {$1800.00} Collection XXXX XXXX XXXX XXXX : Open XX/XX/XXXX Balance {$540.00} Collection XXXX XXXX XXXX : Open XX/XX/XXXX Balance {$4800.00} Collection XXXX XXXX XXXX : XX/XX/XXXX Balance {$1900.00} Collection XXXX : XXXX XXXX XXXX : open XX/XX/XXXX balance 0 Charge off 2 times on report XXXX XXXX XXXX XXXX : Open XX/XX/XXXX Balance {$540.00} Collection 2 times on report XXXXXXXX XXXX XXXX : Open XX/XX/XXXX Balance {$4800.00} Collection 2 times on report / XXXX XXXX XXXX XXXX : open XX/XX/XXXX Balance {$1800.00} Collection Transunion : XXXX XXXX XXXX XXXX : open XX/XX/XXXX Balance {$1800.00} Collection XXXX XXXX XXXX XXXX : Open XX/XX/XXXX Balance {$540.00} Collection XXXX XXXX XXXX : Open XX/XX/XXXX Balance {$4800.00} Collection XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance {$1900.00} Collection XXXX XXXX : XX/XX/XXXX {$530.00}

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 non-monetary relief
Consumer complaint received 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax, XXXX and XXXX are showing several accounts that are not mine and a result of identity theft / fraud. 
I am prepared to file suit against all 3 bureaus as this is causing a lot of conflict when I am applying for things. 

XXXX : XXXX XXXX XXXX : open XX/XX/XXXX balance 0 Charge off XXXX account resolution S : open XX/XX/XXXX Balance {$1800.00} Collection XXXX XXXX XXXX XXXX : Open XX/XX/XXXX Balance {$540.00} Collection XXXX XXXX XXXX : Open XX/XX/XXXX Balance {$4800.00} Collection XXXX XXXX XXXX : XX/XX/XXXX Balance {$1900.00} Collection XXXX : XXXX XXXX XXXX : open XX/XX/XXXX balance 0 Charge off 2 times on report XXXX XXXX XXXX XXXX : Open XX/XX/XXXX Balance {$540.00} Collection 2 times on report XXXXXXXX XXXX XXXX : Open XX/XX/XXXX Balance {$4800.00} Collection 2 times on report / XXXX account resolution S : open XX/XX/XXXX Balance {$1800.00} Collection XXXX : XXXX XXXX XXXX XXXX : open XX/XX/XXXX Balance {$1800.00} Collection XXXX XXXX XXXX XXXX : Open XX/XX/XXXX Balance {$540.00} Collection XXXX XXXX XXXX : Open XX/XX/XXXX Balance {$4800.00} Collection XXXX XXXX  XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance {$1900.00} Collection XXXX XXXX : XX/XX/XXXX {$530.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was unknowingly charged {$32.00} when I signed up for a TransUnion account. After creating an account with them they automatically used my credit card that I entered for the sign up process and charged me for a subscription service with them. I never got an invoice, or a bill, or a confirmation email that I have subscribed for the service. Furthermore, they have sent me multiple emails telling me to sign up for a service that they have already secretly signed me up for. For example, they have sent me emails which state, " Complete your TransUnion Credit Monitoring order now and instantly gain 24/7 access, daily refreshes and alerts to critical credit report changes.

" this implies that I have not subscribed to their credit service when, in reality, they have signed me up already. This has been going on for multiple years, and have already been sued in 2017 for continuing to employ deceptive sales and marketing tactics by the Consumer Financial Protection Bureau. However, they have not changed their practices and still rely on deceptive sales and marketing tactics to deceive new users to falling prey to their subscription service. I have tried to get a refund on the subscription however, the representative would not let me get a refund. Moreover, I never got access to the services I unknowingly paid for either because it required more verification to access. When logging into the account I created there is no indication that I have subscribed to the service, and when attempting to access my credit report it prompted that I was not verified.

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 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, 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:
XX/XX/XXXX I discovered my info in the EQUIFAX data breach and was given a claim. I filed with FTC affidavt, along with notifying the credit bureaus of all the inaccurate and many errors on my report. 
According to 15 USC 1681i I have a right to fair and accurate reporting on my credit report in a timely manner, with comment of account in dispute. 
EQUIFAX has refused to comply and has continually violated my rights. 
I did not oppen this account nor have any knowledge of the account. 
EQUIFAX deleted the following account originally only come back and reinsert it once again, with different info. THIS is illegal and constitutes fraud! 

XXXX XXXX XXXX {$12000.00} Delete this account or pay me {$1000.00} Per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I paid off this account and closed out the account with final balance which included interest payments in XXXX. They added interest in XXXX and never sent notices but continued to flag my account as late and reported late payment to the credit bureaus the account as being late. I had no knowledge of this balance until XXXX when checking my credit report. This delinquency caused my credit score to plummet by XXXX points. I called them and they offered no resolve saying that the interest came through one month later after the account was paid off and closed. Please see account in reference below. 

XXXX XXXXXXXX XXXX has flagged your account as 30 Days Past Due on XX/XX/2023. 

Source : Experian XXXX : XXXX XXXXXXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, IL XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( 30 Days Delinquent ) Balance Date : XX/XX/2023 Balance : {$19.00}

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 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: AK

Complaint narrative:
Under the federal CARES Act, if you are receiving an accommodation on your mortgage, such as a forbearance or a repayment plan, and you were not delinquent on your mortgage before COVID-19, your servicer must report your loan as current even if you are not making payments. 

I entered into a mortgage assistance program with the XXXX XXXXXXXX XXXX XXXX due to being out of work during beginning of COVID. I was approved.

3 payments began. Cardinal financial placed me in loss mitigation. 

The first payment of three by XXXX ( mortgage assistance provider ) of {$1900.00} was made on XXXX XXXX XXXX. 
However, I paid {$1900.00} on XXXX XXXX XXXX from my checking account. 

My auto pay was shut off unknown to me at this time and I am responsible for overlooking this. However, prior this time I had XXXX ( zero ) delinquencies. 

The second payment On XXXX XXXX {$1900.00} was paid. Auto pay had been shut off so I did not have a withdraw from my checking beginning in XXXX. 
-- - At this point XXXX, XXXX, XXXX, were paid and up to date. However, XXXX and XXXX Cardinal Financial received XXXX ( zero ) funds due to auto pay being shut off unknown to me. 2 payments. 
-- - The third payment was made on XXXX XXXX, XXXX for {$2000.00}. In XXXX, upon discovering what had happened to my account I paid what was delinquent and asked to be removed from loss mitigation 's grasp and in XXXX I paid the remaining delinquencies. I have not been removed from loss mitigation despite almost 45 days going by and now discovered. 
-- -- Cardinal sent my lack of payments to different credit bureaus, which according to the CARES act is not allowed. They claim I do not fall under the scope of the CARES ACT 's silence on payment history.

Please help me get my credit score back up and to have them recant their reporting as an error on their part.

-- =

Company response to consumer: Closed with explanation