vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-16 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: CA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-10-16 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: DC

Complaint narrative:
XXXX XXXX. XX/XX/XXXX, I DISPUTED A FEW XXXX LOANS ON XXXX, XXXX AND EQUIFAX CREDIT REPORTING AGENCIES ALONG WITH ( 3 ) CLOSED ACCOUNTS THAT STILL SAY THEY ARE CURRENTLY OPEN ON MY ( 3 ) CREDIT REPORTS. I WAS ADVISED THAT THE COMPANIES HAD 30 DAYS TO RESPOND. THOUGH I NEVER RECEIVED ANY CORRESPONDENCE BACK FOM THE COMPANY ; HOWEVER, THE CREDIT BUREAUS ONLY EXPLAINED THAT THE DEBT WILL REMAIN ON MY CREDIT REPORTS AND MY DISPUTE HAS BEEN CLOSED. I ATTEMPTED TO REBUTTLE THE DISPUTES BUT THE BUREAUS STATED I COULD NOT REOPEN ANY DISPUTES FOR THE SAME ACCOUNTS. THIS SITUATION HAS CAUSED A SIGNIFICANT HARDSHIP. THE NINCLUSION OF THESE ACCOUNTS HAS HAD AN ADVERSE IMPACT ON MY CREDIT STANDING AMD FINANCIAL WELL-M BEING. I BELIEVE THERE ARE U.S. CODES GROUNDS FOR THEIR REMOVAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
My checking account with US Bank somehow ended up XXXX. In the middle XXXX I received my XXXX  XXXX and loan money. Because of this I knew that I had plenty of money in the bank so I was not looking at my app often. Also I signed up for text alerts for suspicious transactions or anything over XXXX $ yet I never received any texts for anything. On XX/XX/XXXX I went to atm to pull out some cash and deposit a check. I was denied pulling out cash so I looked at the balance page and was struck with the XXXX. 

So I immediately called the bank customer service number and as I talked to the lady I began to look through my statements. There was I counted XXXX cash app transactions that were not me. The transactions started XXXX and went through to XX/XX/XXXX. Most of these transactions happened multiple in a day like XXXX $ XXXX XXXX XXXX etc. Mostly none of these transactions were done one in a day. The total of all XXXX transactions is like XXXX $ I have used XXXX XXXX rarely looking back through the months shows that I didn't use cash up only a few times since I opened the account. 

I opened a fraud claim with US Bank and they gave me XXXX credit for XXXX XXXX $ transaction and now they have closed my account. I was told that the transactions match my location and use patterns. This is ridiculous if I needed XXXX $ on XXXX XXXX i would do one transaction for XXXX $ not XXXX different in a day totaling 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 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-I Referred to collections for an item XXXX XXXX XXXX that is not valid or collectable/ XXXX Possible Defamation of Character XXXX  Cell Possible FACTA & Title 15 USC Issue In Reference to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This bank sent me to collections due to an XXXX pre-authorization. The transaction never occured. It was a preauthorization. This did not stop the bank from assessing a NSF fee and monthly fee before sending the account to three different collection agencies. I was told if I wanted the matter taken off of the ChexSystems report I had to pay their collection agency. That seems like blackmail to me. 

I contacted the collection agency and they settled with me for approx XXXX dollars. I was initially informed that the collection agency was planning to send a payment to the bank and the bank was supposed to cut me a bank check. I am not personally aware that the payment has been sent to me. I was informed that it was bit have not seen a record of payment so far. 

According to the individuals that answer the phone at the phone number for XXXX, and I say that because I am starting to believe it is a third-party call center because when I called on XXXX when an individual placed me on hold, and I heard offers about XXXX XXXX for home and business customers. This causes me to believe that it is a third-party call center that is serving multiple accounts. 

I believe I was sent to collections on a non-collectable matter. The collection agencies have not sent me written communications, verification of debt. I did not receive a final statement until I requested it. 

I will do some research and determine if the paid amount to the collection agency was refunded to me. I also need the false information immediately removed from the XXXX report, as it is not accurate and defamatory, and a possible violation of federal law. I contacted the bank last night XXXX I was offered a  fax number for a dispute department but this is a matter that is required for XXXX to contact ChexSystems to remove the information from the report as they are the reporting party as per their collection agency. I would offer additional information but due to FOIL regulations, I can not offer account numbers, for further infromation.

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 2024-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
Exeter Finance, XXXX call me everyday, sometimes several times. They leave voice messages for someone trying to collect a debt. I have called them and told them this phone number has been mine over 14 years and they have wrong number. Please stop calling. They say they will remove, yet continue to call me everyday. 

I have never borrowed money from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened at XXXX XXXX XXXX ( Account # XXXX ), a XXXX XXXX account ( Account # XXXX XXXX ), and two XXXX XXXX XXXX XXXX accounts ( Account XXXX XXXX XXXX and Account XXXX XXXX XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX XXXX XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 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: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX  XXXX Balance : {$540.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Unfair Credit Reporting Practices by Capital One Despite Willingness to Pay in Full Complaint : I am writing to express my frustration and disappointment with Capital Ones handling of my account. My initial debt was {$300.00}, which I attempted to resolve through a settlement offer after filing a complaint with the XXXX XXXX XXXX. However, I have now decided to pay the full amount of {$480.00} to completely settle this matter. 

Unfortunately, when I reached out to Capital One to discuss my options, I was treated dismissively by their representatives. They informed me that even if I pay the full amount, my account will still be reported to the credit bureaus as charged off, regardless of my efforts to fully satisfy the debt. This refusal to reflect my payment accurately is not only unfair but is also causing me severe emotional distress. 

I have been working tirelessly to rebuild my credit because I am in urgent need of both a car and a house. However, Capital Ones unwillingness to report my account as paid in full or to consider removing the account entirely from my credit report is severely hindering my progress. I feel as though I am being punished, despite my willingness to fulfill my financial obligations in good faith. 

This experience has taken a significant toll on my mental health, leaving me anxious and worried about my future. I feel trapped in a situation where my efforts to make things right are not being recognized or respected. It is disheartening that Capital One treats customers like me, who are trying to resolve their debts responsibly, with such disregard. 

Thank you for your attention to this matter. I hope the CFPB can assist in addressing this issue fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: NJ

Complaint narrative:
Recently I went over my Experian consumer report and discovered that there is multiple collections accounts and inaccurate information reporting that's negatively impacting my credit score. There are collections agencies that are reporting debt to the credit reporting agencies but had no prior consent or authorization to obtain nor share my personal information. I am aware that I have a right of privacy in accordance of 15 U.S. Code 6801 - Protection of nonpublic personal information, in which sharing my personal information they. violated 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. I have no knowledge of the creditors that obtained my personal information nor did I give them consent to report any debt. The debt that they're seeking I refuse to pay. After reaching out to the creditors asking them to verify any alleged debt, they failed to provide any contracts or agreements between us. I asked Experian to report accurate and verifiable information only. Experian is reporting this account to my consumer report without having any proper verification documents. Violations committed by both Experian and the Creditors reporting the alleged debt : 15 U.S. Code 6801 - Protection of nonpublic personal information, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1681i - Procedure in case of disputed accuracy, 15 U.S. Code 1681i - Procedure in case of disputed accuracy, 15 U.S. Code 1681 - Congressional findings and statement of purpose

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 2024-10-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
Apparently someone had medical services provided XXXX XXXX  through Texas XXXX in XXXX TX. 
I personally called them to see who used my name or personal information. They couldn't find any information on me. 
I checked there reviews and Apparently they been doing this scam to alot of people. 
I need help stopping this company hurting my credit. 
The third party company United Revenue doesn't have any information on me either. So I don't understand why I'm getting charged for medical services

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: TX

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ). 
Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately 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 non-monetary relief
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This letter is to inform you that I have become a victim of identity theft. 
Icontacted the Federal Trade Commission and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me. 

All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 

In addition, I demand the following fraudulent Inquiries be deleted from my credit report immediately. 


Please remove the following unauthorized hard inquiries from my Equifax credit report : XXXX. XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XXXX XXXX XXXX I wrote to The United States Bankruptcy Court, XXXX XXXX XXXX requesting information for verifying records with the credit reporting agency. On XXXX XXXX XXXX, The Court responded informing me that they do not request nor validates request from any credit bureau that the information they are reporting is accurate. The Bankruptcy Court informed me to contact the bureau for assistance in removing the information. I sent all documents to the credit bureau, they came back reporting it was verified. The information from the bureau are not accurate because of the documentation I have from the Bankruptcy Court stating they dont report nor validate information so therefore I challenge the accuracy, compliance and report ability of this listing. I request that the bureau provide me copies of any documentation bearing my signature that is associated with this account, bearing my signature and in the absence of bearing my signature, II formerly request that the information be immediately deleted from the credit file that is maintain under my Social Security number, including the method of verification. I also reported to XXXX XXXX to put a freeze on my credit file, 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 explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Complaint against home depot consumer credit card by citi. On XXXX XXXX XXXX   2024 I made a purchase at store # XXXX for {$3400.00}. There was a promotional 24 month no interest for that amount, but in 2 billing cycles it showed for only 6 month no interest, I went to store # XXXX and an associate corrected it from 6 to 24 month no interest. And latter on next bill cycle another chare on same {$3400.00} appeared. I have contacted home depos citi credit card services for eight times trying to get that second charge resolved but all i was getting is we will investigate and contact you, when calling them again all they say is " we will review your request ''. I have tried to speak to people in higher positions but no results. Now for month of XXXX I am being charged a 17.99 % interest on that amount. I have lost all hope with them and considering bankrupting that account unless CFPB can sort it out. Also would like to be compensated for all the hassles they have caused. Thank 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 monetary relief
Consumer complaint received 2024-10-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: OK

Complaint narrative:
I disputed the charges for two accounts on my credit report with XXXX. They verified the accounts and the collection remained on my account. I sent another dispute to request how they verified the accounts and asked for the accounts to be removed if there was no verification to be sent to me. Both collections have been charged off by the companies and neither have offered a 1099-C for tax purposes to prove the charge off to me. If the debt has been charged off and I haven't recieved a 1099, it should not be reported as owed to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 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: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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