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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into 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 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into 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 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: CA

Complaint narrative:
please investigate my consumer report. i was never late. please see attached documents.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
please investigate my consumer report. i was never late. please see attached documents.

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: Incorrect information on your report — Information belongs to someone else
Company: Paramount Recovery Systems, L.P.
State: IL

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. 

XXXX XXXX # : XXXX and XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX  XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 XXXX 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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I attached the letter and OCC complaint confirmation letter. I have sent this to Capital One via certified mail with a return receipt. XXXX. Capital One continues to break the law. Capital one has closed my accounts and restricted my access unlawfully. I am a consumer and the violation of laws has caused me injuries.

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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and according with XXXX XXXX regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and XXXX XXXX standards.For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you consider the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I amm requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report. 

the accounts in question are as followed : XXXX XXXX XXXX

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: TX

Complaint narrative:
Im in the process of trying to buy my first home. Ive been disputing these accounts since XX/XX/XXXX and been getting a run around with the creditors and credit reporting agencies. These derogatory accounts have made a huge negative mark on my character.and credit worthiness which is affecting me tremendously in my efforts in purchasing a home. I've identified several discrepancies that violated my rights.Please help me rectify this matter. 

According to 15 USC section 1681 ( i ) These accounts are Untrue, Un-verified, Incorrect, Incomplete must be removed.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. 


XXXX XXXXXXXX Account # XXXXXXXX XXXX. {$3000.00} is not mine. Ive reported this account as fraud with the FTC and all credit agencies. Ive requested validation of debt. They responded to me on XX/XX/XXXX and XX/XX/XXXX. They could not provide evidence because the application was taken over the phone.Ive attached letters.. 

XXXX XXXX Account # XXXX XXXX. {$3900.00}. I also requested validation of debt from XXXX. I never received it! They responded on XX/XX/XXXX using a stall tactic letter. A week. I received a letter from the collection agency XXXX. I've found inaccuracies that don't match across reporting agencies : dates open, monthly payment {$0.00}, term 72, past due amount should be {$0.00} on a chargeoff/collection, dates last active. I did not give written consent.Ive attached letters XXXX XXXX Account # XXXX - ( Late Payment ) XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Ive disputed on XXXXUSC 1681 Section 602 states I have the right to privacy.15 USC 1666 B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. 

XXXX Account # XXXX ( Late Payment ) XX/XX/XXXX, XXXX XXXX.USC 1681 Section 602 states I have the right to privacy.15 USC 1666 B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. 

Ive also requested to have address removed several times XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX, XXXX XXXX XXXX XXXX TX XXXX.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im in the process of trying to buy my first home. Ive been disputing these accounts since XX/XX/XXXX and been getting a run around with the creditors and credit reporting agencies. These derogatory accounts have made a huge negative mark on my character.and credit worthiness which is affecting me tremendously in my efforts in purchasing a home. I've identified several discrepancies that violated my rights.Please help me rectify this matter. 

According to 15 USC section 1681 ( i ) These accounts are Untrue, Un-verified, Incorrect, Incomplete must be removed. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. 


XXXX XXXX Account # XXXXXXXX XXXX {$3000.00} is not mine. Ive reported this account as fraud with the FTC and all credit agencies. Ive requested validation of debt. They responded to me on XX/XX/XXXX and XX/XX/XXXX. They could not provide evidence because the application was taken over the phone.Ive attached letters.. 

XXXX XXXX  Account # XXXX XXXX. {$3900.00}. I also requested validation of debt from XXXX. I never received it! They responded on XX/XX/XXXX using a stall tactic letter. A week. I received a letter from the collection agency XXXX. I've found inaccuracies that don't match across reporting agencies : dates open, monthly payment {$0.00}, term 72, past due amount should be {$0.00} on a chargeoff/collection, dates last active. I did not give written consent.Ive attached letters XXXX XXXX Account # XXXX - ( Late Payment ) XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Ive disputed on XXXXUSC 1681 Section 602 states I have the right to privacy.15 USC 1666 B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. 

XXXX Account # XXXX ( Late Payment ) XX/XX/XXXX, XXXX XXXX.USC 1681 Section 602 states I have the right to privacy.15 USC 1666 B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. 

Ive also requested to have address removed several times Experian XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX, XXXX XXXX XXXX XXXX TX 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 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I discovered that the transaction XXXX XXXX/Account # XXXX has been furnished to the Trans Union , XXXX, and Equifax and is being reported on my credit report without my written consent. Using or attempting to use identifying information of another person without consent or authority is considered identity theft under Federal Law. The creditors who furnished this information to the credit reporting agencies failed to provide me with disclosures to opt out before disclosing any of my personal financial information to the credit reporting agencies.

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: NJ

Complaint narrative:
I discovered that the transaction XXXX XXXX/Account # XXXX has been furnished to the XXXX XXXX , Experian, and XXXX and is being reported on my credit report without my written consent. Using or attempting to use identifying information of another person without consent or authority is considered identity theft under Federal Law. The creditors who furnished this information to the credit reporting agencies failed to provide me with disclosures to opt out before disclosing any of my personal financial information to the credit reporting agencies.

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: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NH

Complaint narrative:
they have the wrong date and no account number for me to research date should be XXXX  XXXX XXXX and i need a account number to go thru my records XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Original Amount {$270.00} Original Creditor XXXX XXXX ( XXXX )

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: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I applied for a credit card with XXXX XXXX on XX/XX/23 and was denied. I contacted them on the same day and expressed my disapproval for the decision. Made them aware that I have a right to my securities and that if they wont give me my securities then to retract my application. They have ignored all attempts of resolving the issue. 

Contacted them again on XX/XX/23 basically repeating what I stated earlier. They denied me again on XX/XX/23 and gave me a final review of my application on XX/XX/23 and told me the denial will not be reversed and that is their final review on the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I have not purchased anything from XXXX in over 5+ years. Randomly in XXXX of XX/XX/2022, they started charging me {$2.00} every month in interest. I called and they refunded me these charges as they said it was in error. They continued billing me monthly. I disputed these charges with XXXX three times, which two were accepted and the last was not. I ended up paying the {$15.00} they said I owed in hopes to save my credit score and put an end to this, yet they are now at it again. They have reported on my credit report that I am late paying them, but however, I again don't owe them anything. My credit score is once again dropping because of this and it appears to be an ongoing issue as they are charging me again. My account with them ( CommenityBank/OVER ) is closed & it says so on my report. I have called - what is now XXXX XXXX, and don't get any sort of help or solutions. 

Note that XXXX is no longer their own company as they were bought by XXXX XXXX and XXXX. 

I have attached herewith the transaction/statements document for your reference. 

Thank you for your help!

Company response to consumer: Closed with 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: TX

Complaint narrative:
Im in the process of trying to buy my first home. Ive been disputing these accounts since XX/XX/XXXX and been getting a run around with the creditors and credit reporting agencies. These derogatory accounts have made a huge negative mark on my character.and credit worthiness which is affecting me tremendously in my efforts in purchasing a home. I've identified several discrepancies that violated my rights.Please help me rectify this matter. 

According to 15 USC section 1681 ( i ) These accounts are Untrue, Un-verified, Incorrect, Incomplete must be removed. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. 


XXXX XXXX  Account # XXXXXXXX XXXX. {$3000.00} is not mine. Ive reported this account as fraud with the FTC and all credit agencies. Ive requested validation of debt. They responded to me on XX/XX/XXXX and XX/XX/XXXX. They could not provide evidence because the application was taken over the phone.Ive attached letters.. 

XXXX XXXX Account # XXXX XXXX. {$3900.00}. I also requested validation of debt from XXXX. I never received it! They responded on XX/XX/XXXX using a stall tactic letter. A week. I received a letter from the collection agency XXXX. I've found inaccuracies that don't match across reporting agencies : dates open, monthly payment {$0.00}, term 72, past due amount should be {$0.00} on a chargeoff/collection, dates last active. I did not give written consent.Ive attached letters XXXX XXXX Account # XXXX - ( Late Payment ) XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Ive disputed on XXXXUSC 1681 Section 602 states I have the right to privacy.15 USC 1666 B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. 

XXXX Account # XXXX ( Late Payment ) XX/XX/XXXX, XXXX XXXX.USC 1681 Section 602 states I have the right to privacy.15 USC 1666 B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. 

Ive also requested to have address removed several times XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX, Transunion XXXX XXXX XXXX XXXX, XXXX TX XXXX, XXXX XXXX XXXX XXXX TX 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 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: NY

Complaint narrative:
please investigate my consumer report. i was never late. please see attached documents.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I DID NOT AUTHORIZE THIS ACCOUNT. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I DID NOT AUTHORIZE THIS ACCOUNT.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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