vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I recently pulled my reports and noticed a company by the name XXXX XXXX whom I have never opened an account with reporting inaccurate information on my credit report. There is an account with the SAME account number reporting TWICE on my credit profile. The open dates are not consistent, one says I opened the account XX/XX/year>, while the other says I opened the account XX/XX/year>. Because the account being reported by Transunion and XXXX are different, this means the account has not been properly verified.

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 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I recently pulled my reports and noticed a company by the name XXXX XXXX whom I have never opened an account with reporting inaccurate information on my credit report. There is an account with the SAME account number reporting TWICE on my credit profile. The open dates are not consistent, one says I opened the account XX/XX/year>, while the other says I opened the account XX/XX/year>. Because the account being reported by XXXX and Experian are different, this means the account has not been properly verified.

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 2024-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
They dont send mailings, however, I have disputed servers l times, in fact this was t always on my credit as it states. Now its showing in collections and scheduled to be removed in XXXX. This should have NEVER made it to my credit report as I am sure no creditor was forwarded proper information, the card has no proof of usage. This is wrong and due to one collection I cant get help to bury my daughter, I cant rent a place on my own, I am a XXXX XXXX in the XXXX XXXX  I work hard, I pay my bills, but, cant secure a place for my child and I. 

There are other items showing negative on my account that were paid and should be showing as paid with a positive standing XXXX XXXX, which will be another request, but, this is wrong. I have no one else to turn to and I need help fast

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
Paypal Holding company has taken XXXX from my checking account without a court order or my permission. The paypal purchase protection totally Breached there own contract with me in Purchases I made on XXXX and paid with My Bank Debit card I ordered 95 orders from XXXX thru XXXX when 23 of the orders never showed up I contacted Paypal to get there help, a email from Paypal usually gets the seller to refund or ship the item. 
The response I got from paypal is just plain wrong. 
They told me that I would have to seek help outside of Paypal when I used Paypal to pay for these orders. 
The next thing they did was real sneaky they locked me out of my account and that made looking at the payment history impossible. They refused to allow me access to my account history and These orders were charged on a Paypal Credit account. Then I needed to get a refund from XXXX XXXX XXXX and I posted my new debit card on paypal they let me do that and were real rude about it and made it very hard to get my XXXX back from paypal but I got it. I then had a XXXX XXXX XXXXXXXX XXXX and was very ill for 2 years during this time paypal took my debit card and started taking money from my bank in the amount of XXXX each month and I was unaware they were doing this and I just found out from the synchrony bank who had bought paypal credit but the billing was still thru the Paypal my account which they after the refund locked me out again. They took over 12 payments of XXXX over XXXX and they were way out of line and breaking the law. In MN the statue of limitations for a crime like this is 7 years and it has not yet been 5 years. During that 12 months I overdrafted every month and some time as many as 6 over drafts in a month. I was not well but could not understand why this was happening. The XXXX XXXX  got ahold of me and because of the high number of over drafts all of the sudden asked me to get a checking account from another bank. I did. They stole money from my account and made paypal credit payments and I was not on auto pay and they had no court order or my permission. Talk about fraud fist they dont at all help me with the orders and then steal money from my account. I want this money returned to me without delay I just found out about 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 explanation
Consumer complaint received 2024-04-28 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:
In accordance with the fair credit reporting act, this creditor has violated my rights. 

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 a account without my written instructions.

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

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXXXXXX XXXX XXXXXXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks.

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 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
I recently pulled my reports and noticed a company by the name LVNV FUNDING whom I have never opened an account with reporting inaccurate information on my credit report. There is an account with the SAME account number reporting TWICE on my credit profile. The open dates are not consistent, one says I opened the account XX/XX/2023, while the other says I opened the account XX/XX/2023. Because the account being reported by XXXX and XXXX are different, this means the account has not been properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights.

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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer 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 2024-04-28 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: FL

Complaint narrative:
I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts ( XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXXAccount number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate

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 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to express my deep concern and frustration regarding the unresolved issues with my credit report. On XX/XX/2024, I submitted a formal letter addressing numerous inaccuracies and unknown inquiries on my credit report. Despite the passage of over 52 days, I have yet to receive any acknowledgment or resolution from the credit bureaus. 

This prolonged delay in addressing my concerns has not only left me feeling disregarded and exploited but has also significantly impacted my financial well-being. I have discovered several collections on my credit report that are reporting inaccurately, leading to denials for essential services and unjustified increases in interest rates. 

The consequences of these inaccuracies extend far beyond financial inconvenience ; they have directly hindered my ability to secure funding for critical milestones such as purchasing a home and advancing my business endeavors. As the primary provider for my family, these obstacles have placed an undue burden on our financial stability and future prospects. 

It is imperative to emphasize that the inaccuracies on my credit report are not of my making. I have diligently disputed these accounts and inquiries, yet I have not received any sufficient evidence for their verification. According to Section 611 ( a ) of the Fair Credit Reporting Act, the failure to investigate these items within 30 days warrants their immediate removal from my credit report. Given the extended period of over 52 days without any resolution, I demand the prompt deletion of these erroneous accounts to restore the accuracy of my credit profile. 

The failure of the credit bureaus to maintain 100 % accuracy on consumer reports is not only unjust but also detrimental to the overall economy. This negligence undermines consumer confidence and impedes economic progress. As a responsible consumer, I expect and deserve timely and accurate reporting in accordance with federal regulations. 

Therefore, I insist that the credit bureaus take immediate action to rectify these issues and remove the inaccurate accounts from my credit report. Failure to comply with this demand will leave me with no choice but to pursue legal recourse to alleviate the undue stress and hardship caused by their negligence. 

Thank you for your attention to this matter. I anticipate a swift and satisfactory resolution to ensure the integrity of the credit reporting system and uphold consumer rights. 

Sincerely, 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 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I recently pulled my reports and noticed a company by the name XXXX reporting incorrect information on my credit profile. The alleged debt was sold to a company by the name of XXXX XXXX XXXX XXXX. The debt has two different open dates, transunion is reporting That I opened this account XXXX while XXXX is reporting that I opened this account XXXX Because the open dates being reported by transunion and XXXX are different, this means the account has not been properly verified. Please delete this account immediately.

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 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I recently pulled my reports and noticed a company by the name XXXX reporting incorrect information on my credit profile. The alleged debt was sold to a company by the name of XXXX XXXX XXXX XXXX. The debt has two different open dates, XXXX is reporting That I opened this account XXXX while Experian is reporting that I opened this account XXXX Because the open dates being reported by XXXX and Experian are different, this means the account has not been properly verified. Please delete this account immediately.

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 2024-04-28 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: Spring Oaks Capital, LLC
State: KY

Complaint narrative:
I recently pulled my credit report and found that a company by the name SPRINGOAKCAP is reporting an account that isnt my account on my credit profile. The original creditor is said to be XXXX XXXXXXXX XXXX XXXXXXXX. I have never opened an account with either of the companies above. I asked for this information to be validated as MY DEBT. No information has been sent to me verifying that this is my debt. Also, there is no information about this account as far as payment history on my credit report. It says the account was opened XX/XX/year> and I did not open an account with either of the two.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to express my deep concern and frustration regarding the unresolved issues with my credit report. On XX/XX/year>, I submitted a formal letter addressing numerous inaccuracies and unknown inquiries on my credit report. Despite the passage of over 52 days, I have yet to receive any acknowledgment or resolution from the credit bureaus. 

This prolonged delay in addressing my concerns has not only left me feeling disregarded and exploited but has also significantly impacted my financial well-being. I have discovered several collections on my credit report that are reporting inaccurately, leading to denials for essential services and unjustified increases in interest rates. 

The consequences of these inaccuracies extend far beyond financial inconvenience ; they have directly hindered my ability to secure funding for critical milestones such as purchasing a home and advancing my business endeavors. As the primary provider for my family, these obstacles have placed an undue burden on our financial stability and future prospects. 

It is imperative to emphasize that the inaccuracies on my credit report are not of my making. I have diligently disputed these accounts and inquiries, yet I have not received any sufficient evidence for their verification. According to Section 611 ( a ) of the Fair Credit Reporting Act, the failure to investigate these items within 30 days warrants their immediate removal from my credit report. Given the extended period of over 52 days without any resolution, I demand the prompt deletion of these erroneous accounts to restore the accuracy of my credit profile. 

The failure of the credit bureaus to maintain 100 % accuracy on consumer reports is not only unjust but also detrimental to the overall economy. This negligence undermines consumer confidence and impedes economic progress. As a responsible consumer, I expect and deserve timely and accurate reporting in accordance with federal regulations. 

Therefore, I insist that the credit bureaus take immediate action to rectify these issues and remove the inaccurate accounts from my credit report. Failure to comply with this demand will leave me with no choice but to pursue legal recourse to alleviate the undue stress and hardship caused by their negligence. 

Thank you for your attention to this matter. I anticipate a swift and satisfactory resolution to ensure the integrity of the credit reporting system and uphold consumer rights. 

Sincerely, 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 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Huntington Debt Holding LLC
State: KY

Complaint narrative:
I recently pulled my reports and noticed a company by the name XXXX reporting incorrect information on my credit profile. The alleged debt was sold to a company by the name of HUNTINGTON DEBT HOLDINGS LLC. The debt has two different open dates, XXXX is reporting That I opened this account XXXX while XXXX is reporting that I opened this account XXXX Because the open dates being reported by XXXX and XXXX are different, this means the account has not been properly verified. Please delete this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: IL

Complaint narrative:
I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.

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 2024-04-28 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: IL

Complaint narrative:
I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.

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 2024-04-28 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: KY

Complaint narrative:
I recently pulled my credit report and found that a company by the name XXXX is reporting an account that isnt my account on my credit profile. The original creditor is said to be XXXX XXXXXXXX XXXX XXXXXXXX. I have never opened an account with either of the companies above. I asked for this information to be validated as MY DEBT. No information has been sent to me verifying that this is my debt. Also, there is no information about this account as far as payment history on my credit report. It says the account was opened XX/XX/2023 and I did not open an account with either of the two.

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 2024-04-28 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: FL

Complaint narrative:
I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts ( XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX.Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate

Company response to consumer: Closed with non-monetary relief