vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I reached out to your esteemed organization to request an update and correction of the personal formation section of my credit report. I would like to remind you that it is not only the responsibility of the creditors but also yours to report only true and accurate information. 

I have taken the initiative to update my personal information with all the creditors listed on my report. If any of them are still reporting anything other than the information provided below, it signifies a failure to report accurate information. Therefore, I demand that you delete their reports from my account immediately. 

Furthermore, I want to draw your attention to certain erroneous information that is still present on my credit report. As you are required to report only true and accurate information, this will be my final request for you to rectify the mentioned data before I proceed with filing a complaint and potentially initiating legal action. 

Kindly delete the following information from my credit report : [ XXXX XXXX XXXX XXXXXXXX, GA XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX I eagerly await your prompt response. In addition, I kindly request that you include a copy of my updated credit report reflecting the changes made. This will enable me to review the modifications and ensure that my credit information accurately reflects my current financial standing. 

Thank you for your attention to this matter. I trust that you will handle it with the utmost professionalism and efficiency. Should you require any additional information, please do not hesitate to contact me.

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 2024-01-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I opened up this account in XX/XX/2020, this was during the pandemic and as I had to make financial decisions as the prices of everything went drastically up. I tried to do my best contacted the company. Paid what was owed and they choose to close my account. 

Reporting to the credit bureau, XXXX XXXX is whom I have know them to be. However my credit report with all XXXX credit agencies list different names. 
Experian Credit Report : list XXXX XXXX XXXX Credit Report XXXX XXXX XXXX XXXX Credit Report XXXX The balance listed on all XXXX credit reports shows different dates. I am not understanding why they are still updating and reporting on an account that is paid and not report any updates on the other credit agencies. It seems it a smear to keep my credit score down.

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 2024-01-14 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: TN

Complaint narrative:
I have contacted the CFPB on XX/XX/23 in regards to the account XXXX XXXX XXXX. I requested an investigation into my consumer report because this account is causing extreme damage to my credit score. XXXX XXXX is the account in question. Now I have provided court documents confirming that I am not responsible for this account and yet you refuse to remove it from my report. This is a direct violation of the FDCPA 15 USC 1692 the burden of proof is on your organization to verify the information that you furnish on a consumer report. The consumer reporting agencies are governed by the FCRA therefore if XXXX has completed an investigation and deleted this account then you also have to remove it as well. I am demanding the immediate removal of this account. Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to 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 explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: TN

Complaint narrative:
On XX/XX/ ABILITY RECOVERY SERVICE put a collection on my credit report saying i owe a debt of XXXX which i do not owe. The original creditor XXXX XXXX XXXX XXXX, I do not owe any debt them at all. What i would like is the purchase agreement.

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 2024-01-14 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I've noticed you have been reporting my information to the 3rd party credit bureaus which are on my credit report XXXX and I never gave you Consent to do so which is in violation, also you can not disclose my information unless you have given me an explanation on a non disclosure option to opt out which you have not done, according to The Federal Trade Commission. 

15 U.S. Code 6801- Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BUSEY BANK
State: NC

Complaint narrative:
On XXXX XXXX XXXX the IRS accepted the 1099-C for the cancellation of debt owed to Busey Bank . A copy of the 1099-C was received by me from the IRS advising me that the debt has been discharged ( cancelled or forgiven ) and Busey Bank is still attempting to collect on the charged off loan. Additionally, payment was sent in full to the indenture trustee XXXX XXXX with XXXX XXXX XXXX XXXX. Though I have not yet heard back from her, according to the UCC, 3-603. TENDER OF PAYMENT.

( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract.

( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.

Additionally, federal law says that it's illegal to report transaction history.

NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. Per 16 CFR 433.2.

Also, pursuant to 16 CFR 433.1 I was supposed to receive a purchase money loan by law, but instead Busey Bank provided me with a consumer loan.

d ) Purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement.

Finally, pursuant to federal law a contract is only valid between a finance company and a seller that's in the ordinary course of business. So the initial contract that I signed with Busey Bank is void ab initio.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Subject : Unresolved Dispute - Wells Fargo Complaint to CFPB Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to formally lodge a complaint against Wells Fargo regarding their handling of my dispute. Below are the transaction details : - Amount : {$60.00} - Transaction Date : XX/XX/2023 - Posting Date : XX/XX/2023 - Merchant : XXXX XXXX, CA - Additional Information : XXXX XXXX XXXX CA Despite my efforts to resolve the matter directly with Wells Fargo, the dispute remains unresolved. I request your assistance in investigating this issue and ensuring a fair resolution. 

Thank you for your attention to this matter. 

Sincerely, 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 2024-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am reaching out to seek your assistance and intervention regarding an unresolved issue involving an unauthorized financial transaction processed through PayPal, with related complications involving my XXXX account. As someone currently unemployed, the financial impact of this incident is particularly severe, affecting my ability to cover basic living expenses.

Detailed Incident Overview : Incident Dates : Between XX/XX/XXXX and XXXX. 
Description of Incident : An unauthorized party initiated a transfer of {$450.00} from my account via PayPal. Of this sum, {$250.00} was directly withdrawn from my funds, while PayPal covered the remaining {$200.00}.

Current Challenge : PayPal is now seeking to recover the {$200.00} it fronted by charging me, creating a negative balance of {$200.00} in my PayPal account. This action is being taken despite the transaction being unauthorized and not initiated by me.

Impact on My Personal Circumstances : Being unemployed, the loss of {$250.00} has significantly hindered my ability to manage essential daily expenses.

The additional demand of {$200.00}, for an amount I did not receive nor authorize, further intensifies my financial distress.

Actions Taken : I have repeatedly communicated with both XXXX and PayPal, asserting that I never authorized this transaction. 
My requests for investigation updates and attempts to escalate the matter have been met with inadequate responses and a lack of proper engagement.

Request for CFPB Action : I urge a thorough investigation into this unauthorized transaction.

I am seeking a refund of the {$250.00} that was unjustly taken from my funds.

I request that PayPal cease its efforts to recover the additional {$200.00} from me.

I expect transparent and regular updates from both PayPal and XXXX regarding the handling of this issue. 

I am turning to the CFPB for help in resolving this matter justly and promptly. The urgency of this situation can not be overstated, given its profound impact on my financial stability and well-being.

Thank you for your attention to this matter. I look forward to your prompt response and assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-14 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCOUNT XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  ACCOUNT XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-14 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: DE

Complaint narrative:
On my personal account has more than XXXX phone number and it should be XXXX number and that number is XXXX. My current address is XXXX and they have many addresses. XXXX XXXX XXXX {$540.00}, XXXX XXXX XXXX {$930.00}, XXXX {$680.00}, XXXX XXXX {$500.00}, 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 2024-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
I, XXXX XXXX, a federally protected consumer, am lodging a complaint against SENTRY RECOVERY AND COLLECTION for engaging in abusive, deceptive, and unfair collection practices in the pursuit of credit extensions. Collaborating in a conspiracy with consumer reporting agencies to restrain trade and commerce, this debt collector has participated in XXXX activities. At no point have I granted this company consent to possess my nonpublic personal information. I disaffirm any alleged agreement or contract between myself as the consumer and the original creditor, whether implied or explicit. I categorize this account as a billing error and request documentary evidence of the obligor 's indebtedness.

This company violates the false claims act, putting my consumer credit reputation with other financial institutions at risk by fraudulently reporting this alleged debt to coerce payment. Any past or future payments are a consequence of threat, duress, and coercion, arising from undue influence. I assert my legal refusal to pay this debt in accordance with 15 U.S. Code 1692c ( c ). I demand an immediate cease and desist of all illegal activities, including communication and collection efforts related to this and any alleged debts until SENTRY RECOVERY AND COLLECTION can provide sufficient documentary evidence of my legal obligation to pay them. Failure to produce this evidence, coupled with continued collection efforts, will prompt litigation for actual damages caused. SENTRY RECOVERY AND COLLECTION shall be held liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT, and RICO Act.

Upon receiving the documents herein and this notice, you are hereby informed pursuant to UCC 1-202f. Your prompt attention and response to this matter are both requested and required.

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 2024-01-14 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: NY

Complaint narrative:
In accordance with the Fair Credit Report act.

ACCOUNT XXXX XXXX XXXX XXXX  has violated my rights XXXX XXXX XXXX XXXX XXXX  has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights. 

The next account request removed pay late. XXXX XXXX XXXX XXXX XXXX  has violated my rights y request removed pay late in XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rigths y request removed pay late in XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rigths y request removed pay late in XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rigths y request removed pay late in XXXX XXXX. In accordance with the Fair Credit Reporting act XXXX Account XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-14 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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

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 2024-01-14 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: PA

Complaint narrative:
I filed foXXXX XXXX XXXX XXXX in the year 2022 I had cleaned my credit report of all previous debts owed and then someone stolen my identity and used my credit to open several accounts now I have disputed a lot of these account but some of them went into collections I am hoping that you are able to get the credit bureaus to comply with my disputes and have my credit wiped back to what it was after the XXXX XXXX XXXX they have not complied at all and XXXX new collection agencys are being reported to the bureaus that I owe them when this is fraud at its finest my final result is that my credit is set back to XXXX I worked very hard to build my score then my information was compromised I showed them evidence and police reports and the credit bureaus have done nothing to comply that is why Im reaching out to you please help me resolve this it has ruined my life

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 2024-01-14 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: EQUIFAX, INC.
State: MI

Complaint narrative:
This account was opened closed & reopen. Thats a violation & have late payment history not correct & last reported last active this account is not correct but this account was closed how they reopened it cause there just re-aging the account proof in pdf. There comment of dispute in progress not on file thats a violation & its been over 30 days. PDF for proof

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/, I used my credit card as defined under 15 USC 1602 ( a ) ( l ) to extend my credit through Capital One company. On XX/XX/, I received an adverse action letter from Capital One company attempting to explain why I was denied. According to 15 USC 1691 ( a ) ( 3 ), this was an act of discrimination. I, in good faith, exercised my right to extend credit as a consumer and a creditor, and I was denied for no specific reason. Capital one also violated federal law and will be held civilly and criminally liable because Capital One violated 15 USC 1602 ( a ) ( p ). Capital One used my credit card without authority, and I, the cardholder and consumer, received no benefit. They are now civilly criminally liable under : 1. 15 USC 1611 2. 15 USC 1640 3. 15 USC 1691e

Company response to consumer: Closed with explanation