vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-24 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: TN

Complaint narrative:
XXXX XXXX XXXX was paid a lease break fee in XX/XX/2021 and our contractural obligation was severed civilly. First property management has reported an ADDITIONAL account on my report showing as 120 days late with an accrued balance from XXXX XXXX. Now there is collection on my account for this amount totaling in XXXX instances of the same inaccurate account information. See docket XXXX, there should be NO phone number on my report, and NO address '. 


The following inquires need to be removed from my report as I did not initiate a transaction with these companies and they have no permissible purpose to have run my credit. 

XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX All previous attempts to solve this issue with the credit bureaus directly has proven unsuccessful. FTC ID report filed

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 2023-10-24 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: TN

Complaint narrative:
XXXX XXXX XXXX was paid a lease break fee in XX/XX/2021 and our contractural obligation was severed civilly. First property management has reported an ADDITIONAL account on my report showing as 120 days late with an accrued balance from XXXX 2021-current. Now there is collection on my account for this amount totaling in XXXX instances of the same inaccurate account information. See docket XXXX, there should be NO phone number on my report, and NO address '. 


The following inquires need to be removed from my report as I did not initiate a transaction with these companies and they have no permissible purpose to have run my credit. 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX lots XXXX All previous attempts to solve this issue with the credit bureaus directly has proven unsuccessful. FTC ID report filed

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 2023-10-24 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: GA

Complaint narrative:
I am writing to formally dispute and seek resolution for inaccuracies on my TransUnion credit report. On XX/XX/XXXX, I contacted TransUnion regarding the following incorrect information on my credit report, but to date, I have not received a response. The following are the details of the inaccurate information and the required corrections : XXXX  Date Opened : XX/XX/XXXX Reported Balance : {$5200.00} Discrepancy : I disagree with the reported balance of {$5200.00}, as I recall the amount being lower. I kindly request that TransUnion reviews and corrects this discrepancy. Additionally, I request the removal of the XXXX XXXX amount, as this account is closed and charged-off. To prevent adverse effects on my credit score, I urge you to mark this account as disputed. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$120.00} Issue : This account is not mine. Please remove it from my credit report. 

XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$58.00} Issue : This account is not mine. Please remove it from my credit report. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$2600.00} Issue : This account is not mine. Please remove it 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 2023-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
When I was attending XXXX XXXX XXXX  I enrolled myself in the XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well spoke to the XXXX department and was approve for XXXX due to my XXXX XXXX I took XXXX and mid way I spoke to my than advisor that the class was to hard for me to take and that I need to finish it and she will re-enroll me again to retake, my than advisor name was XXXX XXXX and XXXX XXXX XXXX I ended up failing the class even though I made comment spoke to my advisor about the difficulty of it and was still encouraged and advise to continue the class instead of withdrawing me, I was never told or was advised that I needed to stay in a good standing point for financial aid, nor she said that I would owe a balance, I went to check on my account and that is when I saw the balance of XXXX I spoke to an advisor and he advised me that he spoke to his manager about the situation and for this one time it will be forgiven, that the only thing that I will owe will be {$150.00} for supplies witch i agree, moving forward the balance was never cleared, they never gave me instructions about the requirements, anything at all, i got a new advisor his name is XXXX XXXX i spoke to him and he told me the reasob it was not cleared was because the class XXXX was incomplete, mind you when i spoke to the advisor previously it wad XXXX XXXX my XXXX class and he stated it will be cleared right away, so now speaking to XXXX XXXX he stated that my situation with owing the balance does not look good, and i told him everything and he said well we can re-enroll you back into XXXX XXXX and oncw you receive you financial aid we can pay off the balance, and i told him no i withdrew from the school for false misinterpertation, and he also told me that i wont be able to get my transcripts or go to any other school because i owe a balance, i was baffled with his response because no where near the conversation did i say i wont pay even though they lie i agree to make payments, eventhough to advisors, and was advise to continue the class, and no one said that it will affect me in owing a balance, XXXX XXXX also stated that there going to be sending me to collections because of it, mind you im on a tight income im XXXX  why am i required to pay a balance when they stated i wouldnt, and bribe me into re-enrolling me in school, and when i said no was than told i wont be able to go to any other school and they are going to withheld my transcript this school doea not care about their students but lies, all conversations where over the phone they have the pre-recording, i contact XXXX XXXX plenty of times regarding this matter and she never responded back to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: ID

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX BANK Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall 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.

( 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. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.

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 2023-10-24 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: ID

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall 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.

( 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.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.

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 2023-10-24 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: NC

Complaint narrative:
In accordance with the FCRA XXXX XXXX XXXX has violated my rights. 
Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any 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 non-monetary relief
Consumer complaint received 2023-10-24 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:
In accordance with the FCRA XXXX XXXX XXXX has violated my rights. 
Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any 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 2023-10-24 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: IN

Complaint narrative:
I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX for the ( XXXX ) XXXX inquiries and inaccurate personal information showing on the credit file with Transunion. In order to facilitate efficient proceedings and ensure all relevant information is accounted within the credit report for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transactions specifics. Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgements, and settlements. Pertinent correspondence, communications, or notices related to the chose in action. Any other documents or records that provide insights into the nature, ownership, or status of the chose in action.

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 2023-10-24 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX, Account Number : XXXX Account NAme : XXXX, Account Number : XXXX Account Name : XXXX, Account # XXXX Account Name : XXXX XXXX XXXX, Account # XXXX Account Name : XXXX XXXX  XXXX, Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX, Account # XXXX Account Name : XXXX XXXX XXXX, Account # XXXX Account Name : XXXX XXXX XXXX, Account # XXXX Account Name : XXXX XXXX XXXX, Account # XXXX Account Name : XXXX XXXX, Account # XXXX Account Name : XXXX XXXX XXXX, Account # XXXX  Account Name : XXXX XXXX, Account # XXXX Account Name : XXXX XXXX XXXX, Account # XXXX Account Name : XXXX XXXX XXXX, Account # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Reference to Credit Card Account # XXXX, On XX/XX/23 at XXXX am I spoke with a Capital One representative, I requested that the account be closed, and that since I have not made any purchases and no longer have use of the card, and that since it hasn't past XXXX calender days I request that the {$39.00} Annual Fee/Membership Fee be waived, I want this information included in a debt validation/PayOff letter, to also include my full name, current mailing address, Account #, I requested that this Debt Validation/PayOff letter be emailed to my XXXX account immediately ( Email Address is XXXX ) the representative stated that, that wouldn't be a problem, after getting off the phone with the representative I never received the promised and requested email, in the past I never had an issue receiving information associated with the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
false reporting under 1681 15 U.S. Code 6802 Violations of 16 CFR 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. 


I sent a letter to XXXX XXXX  XXXX XXXX XXXX LA XXXX, XXXX XXXX XXXX, CA XXXX since XX/XX/XXXX and have not received a response to date but only results of continous violations reported to XXXX Wrong Addresses, invalid names and alleged debts parked on file by XXXX XXXX 
These accounts are deliberately parked on my consumer profile by XXXX and unconscionable depicts actions of unfair, deceptive acts of stealing my identity and continous unlaw practices. XXXX XXXX, XXXX, XXXX and XXXX have flagrantly disregarded not only the Fair Credit Reporting Act but also the Privacy Act of 1974, particularly within the scope of 12 CFR 1016.1. This regulation underscores the importance of treating nonpublic personal information with utmost care and outlines essential requirements, including the obligation of a financial institution to provide notice to customers about its privacy policies and practices. 
I am relying on your office to take actions against XXXX and demand the deletions of all these unknown accounts and alleged debts of all incomplete and erroneous data immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX, I contacted Equifax regarding the incorrect information on my credit report. As of the date of this letter, Equifax has not responded to my inquiry. I am writing to formally dispute the following inaccuracies on my credit report and request the necessary corrections : Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$710.00} Inaccuracy : This account was never late. Please correct this inaccurate information on my credit report. 

Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Current Balance : {$3800.00} Inaccuracy : This account was never late. Please correct this inaccurate information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XXXX XXXX XXXX, I visited Kohls to purchase a couple work clothes for the XXXX XXXX I work at. After spending a copious amount of time trying on outfits on my only day off, I proceeded to checkout with my clothes. A blonde white woman is supervising a new cashier, so I smile go along with my checkout. At a point in my transaction, Im offered if I want to sign up for a Kohls rewards card to get a 35 % discount off of my immediate purchase. Usually when customers hear the words store card, they often thing of like a membership to get deals at checkout, not a credit card. This card was only advertised as something I use at checkout to save money. I believed I was joining the Kohls rewards program like many of my family members, not enrolling and getting a credit card. During the transaction as I was putting my details in, it asked for my SSN. I directly asked the Supervisor a clear question, Is this going to pull my credit? To which she tilted and scratched her head, and awkwardly replied Just a soft credit pull. And then I proceeded to say oh nice, those dont hurt your credit. To which she did not respond as she watched me finish entering my details. Just to stop right here, I believe that most adults should be aware that obtaining a credit card would require a credit inquiry that hurts your credit score. I believe both me and this Supervisor are aware of that fact. That is why when she responded with a soft pull, I was misled into the type of card they were offering me. I asked her a question that showed I did know what I was actually signing up for, and she gave me incorrect information. While it is possible that this Supervisor believed that credit cards require soft pulls, she then proceeded to raise her voice and tell me something along the lines of I hope you enjoy shopping at Kohls for many years to come! As I exited quickly to not hold up the line. What happed at this this store was this woman is trained to give consumers vague, misleading answers to their questions about products in order to meet their sales goals. Even if it comes at the expense of the consumer. What happened earlier was a dishonest act, that I believe made the supervisor and cashier uncomfortable that they were incentivized to lie to me, a young XXXX American man. Yet still, the fact I was misled while getting a vague card to use at a store is inexcusable, and utterly ridiculous. I put my trust into the supervising woman and asked her a clarifying question, and then I was mislead, and now my credit score will tank because of it. This truly upset me to my core when I checked my email and found that a credit card would be arriving soon. This will devastate my financial plans in the coming months, as I now have to manage my finances with unwanted line of debt.

Company response to consumer: Closed with non-monetary relief