vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-19 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. has violated my rights. I looked at my Transunion credit report on and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
All prior credit card statements were sent to me. I asked for these documents to show proof that I was illegally charged on my account by XXXX XXXX XXXX  for a service that I never agreed to. They have no signature physical or electronic for that service and I have asked them to supply me a copy of the signature that says I signed up for it and they can't because I never did. I paid this credit card off in full. A month later XXXX XXXX XXXX called me trying to sell me a service called XXXX  XXXX. I declined these services. XXXX XXXX XXXX  then charged my account anyways for a {$0.00} charge labeled XXXX XXXX per the credit card statement. Because of this {$0.00} charge it triggered a minimum interest charge of {$2.00} causing my account to have a balance of {$2.00} after I paid it all off which racked up late fees over time. I tried to tell XXXX XXXX, XXXX XXXX, and now Midland Credit Management that this is because of illegal charges on my account. You can not charge someone for credit card insurance that they never agreed to. Noone will listen to me or help me even though they provided me the statement with the proof that clearly says this charge was not for any previous interest, previous purchase, or interest from current billing cycles..Meaning this is not leftover interest from the previous billing cycle which is what they tried to tell me until I showed them the proof. The account was paid off on XX/XX/year>. The illegal charge for the {$0.00} XXXX XXXX insurance was put on my account on XX/XX/year>. Again, I have asked for Midland and XXXX to supply me with an electronic or physical signature that says I signed up for this to cause this charge and they can't. I paid it off with no intention of ever using it again so there is no reason I would need account insurance. They have to supply proof of this and they can't because I never agreed. XXXX XXXX, XXXX, and Midland should all be held legally liable for the damage they have done and for seeing the proof of what I'm saying is true and pretending they don't. A woman at Midland even agreed with me that this was illegal then I never heard from her again. They keep trying to come after me for payment anyways. This is all highly illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
XXXX XXXX XXXX XXXX I have informed them that per us code 15USC1692C that I refuse to pay a debt of {$940.00} that they are reporting still

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 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : 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 2024-10-21 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. I XXXX XXXX, consumer, natural person and original creditor of an open end credit plan was requested to put {$200.00} down deposit to have access to my credit for a credit card by CapitalOne. I was notified of this transgression of my rights, specifically 15 USC 1637 ( a ) ( 2 ) ( 8 ) 15 USC 1601- The TRUTH IN LENDING ACT, On XX/XX/year> by via U.S. mail. According to 15 USC 1602 definitions of The TRUTH IN LENDING, I as a natural person processing an open end credit plan was harmed by CapitalOne, adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2a ) ( 3 ) are up to {$5000.00} CapitalOne is now civily liable to pay me for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: TX

Complaint narrative:
Equifax XXXX XXXX has inaccurate reportings on my consumer report that has impacted me severely from onbtaining new credit and up to new empoyment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED XXXX XXXX XXXX XXXX/DEPT OF ED 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 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 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2024-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: NY

Complaint narrative:
XX/XX/XXXX : Returned payment fee of {$41.00} XX/XX/XXXX : Payment reversal of {$3000.00} ( They said the corresponding account in which I paid from was closed. This is completely false ). 


XX/XX/XXXX : Returned payment fee of {$41.00} XX/XX/XXXX : Payment reversal of {$2000.00} ( They said insufficient funds which is completely false ). 

XX/XX/XXXX : Payment reversal of {$1900.00} ( They said insufficient funds which is completely false ). 

XX/XX/XXXX : Returned payment fee of {$41.00}. 

XX/XX/XXXX : Returned payment fee of {$30.00}. 

*There were other returned payment fees for payments that should have 100 % gone through in XXXX but I convinced them to reverse some of the fees because there was no explanation as to why I couldnt make payments. 

XX/XX/XXXX : Payment reversal of {$300.00} ( Reason was insufficient funds which was completely false ). 

XX/XX/XXXX : Payment reversal of {$300.00} ( Reason was insufficient funds which was completely false ). 

XX/XX/XXXX : Payment reversal of {$600.00} ( Reason was insufficient funds which was completely false ). 

XX/XX/XXXX : Payment reversal of {$100.00} ( Reason was insufficient funds which was completely false ). 

I have always called the credit card company to ask why this is happening because its maddening, I always pay on time, I always use correct account numbers, I always use accounts that are adequately funded thousands of dollars more than the payment I am making. They have said insufficient funds and they have said the account youre using is closed. These are complete untrue statements and at this point they are stealing hundreds from me in these fees.

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 2024-10-19 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: TX

Complaint narrative:
Three accounts by the same company requesting a Debt Validation XX/XX/2024 Amount : {$680.00} and action direct mail XX/XX/2024 XX/XX/2024 Amount : {$730.00} and action direct mail XX/XX/2024 XX/XX/2024 Amount : {$760.00} and action direct mail XX/XX/2024

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 2024-10-20 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: NC

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.These account are inaccurate, false, and i require them to be remove within the next 5 business days. XXXX, Equifax, XXXX has not reciprocated any compassion with reporting this on my consumer account. NO COMPANY has received written consent from me to report this onto my consumer report now they reporting anything, even things that don't belong to me this is illegal. Not only is this identity theft that i have been working tirelessly to fix. This is identity theft. These are not my accounts. Please see my official filing with the governement for identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 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: NC

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.These account are inaccurate, false, and i require them to be remove within the next 5 business days. XXXX, XXXX, Experian has not reciprocated any compassion with reporting this on my consumer account. NO COMPANY has received written consent from me to report this onto my consumer report now they reporting anything, even things that don't belong to me this is illegal. Not only is this identity theft that i have been working tirelessly to fix. This is identity theft. These are not my accounts. Please see my official filing with the governement for identity theft.

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 2024-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Last known bank address named. World saving bank calendar year XXXX. The account belong to XXXX XXXX XXXX last year known to alive was XXXX. The logo, trademark changed around XXXX  year, to XXXX XXXX. 
I XXXX XXXX am the beneficiary of XXXX XXXX XXXX saving account at world saving bank XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX I lost my last bank summary statements around XXXX to 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 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: United PanAm Financial Corp.
State: TX

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if execut outside of the United States ) that the foregoing is true and correct to the best o knowledge. Further, I certify that I am authorized by FEDERAL and STATE LAW to dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C.

These collection found within my credit report are not related to any transaction tha made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by FTC.

IWANT THE CFPB TO PUBLISH THIS DESCRIPTION ON CONSUMERFINANCE.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: MD

Complaint narrative:
THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 
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 HAS VIOLATED MY RIGHTS. 
I LOOKED AT MY TRANSUNION CREDIT REPORT ON XX/XX/year> AND NOTICED SOME THINGS ARE INCOMPLETE AND NOT ACCURATE. AND ACCORDING TO THE FAIR CREDIT REPORTING ACT 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 ACCORDING TO 15 USC 1681 ( E ) ( B ).

AND ACCORDING TO 15 USC 1681S THEY ARE SUPPOSE TO DO THIS ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION.

( A ) IN GENERAL. IF, AFTER ANY REINVESTIGATION UNDER PARAGRAPH ( 1 ) OF ANY INFORMATION DISPUTED BY A CONSUMER, AN ITEM OF THE INFORMATION IS FOUND TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED, THE CONSUMER REPORTING AGENCY SHALL ( I ) PROMPTLY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER, OR MODIFY THAT ITEM OF INFORMATION, AS APPROPRIATE, BASED ON THE RESULTS OF THE REINVESTIGATION ; AND ( II ) PROMPTLY NOTIFY THE FURNISHER OF THAT INFORMATION THAT THE ITEM HAS BEEN MODIFIED OR DELETED FROM THE FILE OF THE CONSUMER. 
AND ACCORDING TO 15 USC 1681C-2 THEY ARE SUPPOSE TO NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.

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 2024-10-19 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: Merchants and Medical Credit Corporation, Inc.
State: MS

Complaint narrative:
15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) : This debt has been reported without my knowledge, consent, or any permissible purpose under the law.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : Merchants & Medical Credit furnished inaccurate information to consumer reporting agencies, knowing or having reasonable cause to believe that the information was inaccurate.

15 U.S.C. 1681 Section 602 ( a ) : I have the right to privacy, which has been breached by this unauthorized and incorrect reporting.

15 U.S.C. 1681 Section 604 ( A ) ( 2 ) : A consumer reporting agency is not allowed to furnish any account information without my written instructions. I never authorized this reporting.

15 U.S.C. 1692g : I was never notified in writing within five days of this account being placed on my credit report, as required by law. Additionally, I have observed inconsistencies in the information being reported by Merchants & Medical Credit, XXXX, XXXX, and XXXX. These inconsistencies include differences in the reported payments, balances, open dates, and closed dates, further confirming the failure of Merchants & Medical Credit to properly verify the debt before reporting it., my family member, who shares the same name and resides in the same household, has this same account with the same name and account number listed on her credit report. However, we do not share the same Social Security number. This raises serious questions about the accuracy and legitimacy of this reporting. 
. I have previously been a victim of the XXXX, XXXX, and XXXX XXXX XXXX data breaches, which could have compromised my personal information and contributed to this situation. Therefore, I kindly request that this error be corrected and that the account is removed from my credit report. I trust the collection agency and credit bureaus will address this issue by deleting the account from my reports.

Company response to consumer: Closed with explanation