vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A collection was recently placed on my credit report that didn't belong to me. The agency that placed the information was XXXX XXXX XXXX. I called them and spoke with a supervisor by the name of XXXX and explained to her that the account belong to a corporate account and she argued with me stating that the account indeed belong to me. I asked her for the documentation and she swore that it belong to me and I told her I had documentation stating otherwise. I told her to remove it immediately which she refused. After a lengthy conversation she told me she would send me an email with all the information that shows it belongs to me. A few days later I received letter from the original creditor stating that they would not be pursuing me for financial responsibilities than yesterday I received a letter from XXXX  that they would be removing the account from my report. They placed an account that never belong to me in the first place and never had any documentation to prove otherwise.

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-03-09 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: GA

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX 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 2024-03-09 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:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX 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 explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Innacurrate address on credit. I've XXXX XXXXXXXX XXXX  address doesn't belong to 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 explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: NC

Complaint narrative:
They said card was compromised and will not send a new one without me faxing personal information to them

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 2024-03-09 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: MI

Complaint narrative:
The United States Bankruptcy Court that states they do not report this information to the XXXX bureaus! So how is it that this information is reporting to my credit report. I attached a letter from the United States Bankruptcy Court stating they do not report this information!! My question is how and why is this still reporting to my credit? Do I need to get an attorney to rectify this situation?

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 2024-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: TX

Complaint narrative:
I called in to dispute a late payment and received no help. I have been a customer for over XXXX  years and have never missed a payment. 
the company repeatedly hangs up on me, and offers no help at all whatsoever. 
I asked to speak to a supervisor and the supervisor was no help, and closed my account without my confirmed consent and charged off my account as bad debt after I had just made a XXXX payment a week prior. this has destroyed my Credit report, and when I call in to ask for an explination I'm hung up on and offered no help! the people that I talk to refuse to re open my account or correct any wrong doing

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: IL

Complaint narrative:
Experian sent me a notice my score increased XXXX points for a paymant made to affirm of {$98.00}, their reporting was from XXXX XXXX I stated that the account was paid in full on XX/XX/XXXX and filed a dispute on XX/XX/XXXX Today XX/XX/XXXX I get a notice my dispute results are ready, there response : The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
I go onto the XXXX website and get a letter of loan verification letter as follows : -- -- -- -- -- -- -- -- -- XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, Thank you for your patience while we gathered the debt validation materials requested in your recently received request. 
Based on our investigation, as of today ( XX/XX/XXXX ), the following information is confirmed : Loan Status : Paid in Full Responsible for repayment : False Below, please find further applicable loan details. 
You can access your Truth in Lending Disclosure and Loan Agreement for this loan as well as your payment history and schedule by signing into your XXXX account online at www.affirm.com. 
XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Loan : XXXX Date Obtained : XX/XX/XXXX Merchant : XXXX Purchase Amount : {$1200.00} Loan Amount : {$1000.00} APR : XXXX % Term : XXXX-Month Installment Loan Remaining Balance* : {$0.00} Paid Off Date : XX/XX/XXXX *Please note, for interest-bearing and non-charged off loans, interest accrues daily. The remaining balance being reported is accurate as of the date above. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I go back on Experian, file a other complaint, post this and call them, they give me a number to their dispute deparartment that is closed on the weekend. 

Experian also dropped my credit score XXXX points with no explaination. I have XXXX balance on all my cards my XXXX XXXX with exquifax and XXXX XXXX is at or above XXXX, for my good payment history, experian likes to keep bouncing me at XXXX on a regular basis, by utilization does not exceed XXXX XXXX  and I pay everything in full and do not incurr finance charges Inaccurate reporting seems to be the name of the game, no way did XXXX certify as they stated.

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
A collection was recently placed on my credit report that didn't belong to me. The agency that placed the information was XXXX XXXX XXXX. I called them and spoke with a supervisor by the name of XXXX and explained to her that the account belong to a corporate account and she argued with me stating that the account indeed belong to me. I asked her for the documentation and she swore that it belong to me and I told her I had documentation stating otherwise. I told her to remove it immediately which she refused. After a lengthy conversation she told me she would send me an email with all the information that shows it belongs to me. A few days later I received letter from the original creditor stating that they would not be pursuing me for financial responsibilities than yesterday I received a letter from summit that they would be removing the account from my report. They placed an account that never belong to me in the first place and never had any documentation to prove otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: FL

Complaint narrative:
The XXXXXXXX XXXX obviously forces negative information on your credit so they can get paid. They have spoke on phone issues and knew that I paid my car payment on the XXXX day they saw it in the system they even wrote that in the last CFPB response but kept the 30 days late on my credit. They also reported me 60 days late in 2020 when my mother got covid and I was stuck in XXXX they would not fix it the XXXX # did not work there and they did not believe me. THE NEW issue is the dealership at the end of the lease bought my car after the lease expired that was the agreement so I would not have to pay the excess charges. I explained this to XXXX XXXXXXXX and they refuse to cooperate but still charge me for over mileage, and a bad tire which should not happen because the dealership bought the car. The dealership representative told me the car went to the auction, then I was told by XXXXXXXX XXXX that the car was bought by the dealership to call them. This went on for a year and ruined my credit in charge off status for {$3000.00}. This is what the manager said over the phone at XXXXXXXX XXXX There are XXXX types of lease buy outs : a ) One where the dealership buys your car and takes care of all the customers cost. b ) The other is the dealership buys the car but DO NOT TAKE CARE OF THE CUSTOMERS COST. I apparently had option B, so basically the dealer bought my car, sold it made money and XXXX XXXX profits off this by still sending me a bill with charges that should have been gone with my sale to the dealership. It was just after covid and used car prices had tripled so I could have kept the car and sell it myself if I knew I would be sent a {$3000.00} bill. I finally threatened litigation to the dealership XXXX XXXX XXXX and they finally responded with empathy and gave me a check of {$1000.00} toward the cost and apologized for the miscommunication. I told all this to XXXX XXXX and of course they did nothing again! They never try to compromise or offer any resolution or credit to my account. They had me in collections so I was forced to pay {$1800.00}. I should not have paid so much. But it is still on my credit as a charge off and I paid It off. This was a mistake and they know this, I will send the XXXX dealership emails and copy of check they gave me. The item should never been on my credit. My history of the past XXXX leases and my car now, is XXXX LATES PERFECT I WILL ATTACH. IT IS ONLY XXXX FALSELY REPORTING ME. I WANT THE LATES TO ALL BE REMOVED FROM MY CREDIT

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 2024-03-09 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: TX

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Every month for a year the company called pdf simple took out XXXX since XXXX XXXX XXXX. My bank refused to give me my money back from multiple transactions I did not make. I tried calling the company that it was taken out of and they said they could not help because someone used my debit card to make it even tho I reported that card stolen a while ago and it still being taken out of

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: GA

Complaint narrative:
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a credit report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 

I did not initiate any of these inquires furthermore if you feel like I did, please send me copies of my written signature giving consent to this matter.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

Under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 

XXXX XXXX You supposed to add notice within 30 days not 1 day over as i have proof. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).

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 2024-03-09 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: GA

Complaint narrative:
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a credit report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 

I did not initiate any of these inquires furthermore if you feel like I did, please send me copies of my written signature giving consent to this matter. 

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

Under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ). 

XXXX XXXX You supposed to add notice within 30 days not 1 day over as i have proof. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
This debt which is showing on one of my credit bureau report and it doesn't belongs to me It's a completely identity theft They have fake ssn & dob As a result they are reporting someone account to my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 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: AZ

Complaint narrative:
I ask the credits bureau to send my credit report. I saw several hard inquiries in my report I have requested for them to delete them since I did give this company to run my credit without my permission. XXXX has my name wrong and the refused to change or provide me with my credit report. XXXX has my loans closing several time on my credit try to reach to them and tge refused to update remove the inaccuracies on report that has been affecting my credit. Since all them refused to follow the law. XXXX tell to do a fcra report. I want tgem to remove all the hard inquiries, negatives and close accounts on my credit reports. I will report them since all them refused to help.

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