vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-13 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: MI

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
VALIDATION AND CEASE AND DESIST Re : Dear Sr : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account # : XXXX I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation. 
the ___ __________________________

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
On XX/XX/XXXX and XXXX I called to inform American Express that the charge on my card was fraudulent for {$1000.00} maxing the card out. The charge was not done by me and done without my permission. Upon letting them know that they refused to take any action until the charge posts to the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-13 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: TX

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were reported as late payments to transunion, XXXX, and XXXX. XXXX and XX/XX/XXXX late payment I reached out to XXXX and advised them as a goodwill can they potentially help me with the removal of late payments I had problems with payments being double processed and not taking out with my bank which I shouldnt be held accountable for XXXX  didnt work to help me and Im seeking help again to have late payments removed XX/XX/XXXX and XX/XX/XXXX payments shouldnt be reported late they setup a deferred payment to prevent being reported I also paid XX/XX/XXXX and XX/XX/XXXX payment before the 30 day mark which shouldnt be reported as late

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 2024-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
capital one refuses to provide initial accusation that I benefited from fraud, which led them to debit my account for 2 months, at which point I stopped making payments. XXXX XXXX good, presumably under some third party pressure, came to senses and XXXX XXXX XXXX XXXX XXXXXXXX, however, int and fees have accumulated and will keep doing so, since I don to intend on paying. CO, MAY HAVE CR MY ACT, BUT TOO LITTLE TOO LATE. MY CR SCORE, XXXX XXXX XXXX XXXX, XXXX SCORE IS XXXX, WE DID NOT AFTER XXXX YRS DECIDED TO BECOME CRIMINALS AS XXXX XXXX, AND/OR XXXX XXXX INIITALLY ALLEGED

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-13 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List account below has violated my Federally Protected consumer Rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604A.

It also states a consumer reporting agency can not furnish an 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 items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List account below has violated my Federally Protected consumer Rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604A.

It also states a consumer reporting agency can not furnish an 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 items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: 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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: PA

Complaint narrative:
XXXXXXXX XXXX ran a Hard Credit on my credit file. 

I did not apply or request any credit from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have on my credit file without my consent signature or any digital format of my signature. 

Copy of my drivers License number or a copy of my social security number was provided for XXXX XXXX XXXX XXXX this appears on my credit. 

IT also impacted my credit score for something I did not apply for in which was 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 explanation
Consumer complaint received 2024-10-13 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: PA

Complaint narrative:
XXXXXXXX XXXX ran a Hard Credit on my credit file. 

I did not apply or request any credit from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have on my credit file without my consent signature or any digital format of my signature. 

Copy of my drivers License number or a copy of my social security number was provided for XXXXXXXX XXXX XXXX XXXX this appears on my credit. 

IT also impacted my credit score for something I did not apply for in which was credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: VA

Complaint narrative:
Please delete this account off my credit reports as I did not authorized this 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 2024-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX : Auto loan in the amount of {$5000.00} has violated my rights as a consumer. Law 15. U.S. code 6802 : stats a financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. It's also showing that the account has been CHARGE OFF but still in collections. How is this possible?

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 2024-10-13 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: VA

Complaint narrative:
I have disputed with Transunion over several times in regards to multiple accounts being reported incorrectly, They are reporting incorrectly and multiple charge off which is misleading and inaccurate. They have not done the proper investigation in regards to these accounts I disputed multiple times. I a, requesting statutory damages due to lack of investigation and allowing to report inaccurate. Not only does it show monthly charge off they actually have the balance still reporting when it should be XXXX due tot he charge off itself, They are violating my rights which I have listed as well along with XXXX  who I called and they informed my to call another agency in regards to my credit WHICH I DID NOT GIVE THEM PERMISSION TO DISCLOSE MY PERSONAL INFORMATION TO THIS OTHER PARTY AND NOR DID I GIVE THEM PERMISSION TO REPORT TO MY CREDIT. CRA 15 USC Code 1681B- PERMISSIBLE PURPOSE- Permissible purpose under this law they have to provide evidence WRITTEN instruction of me authorizing them to report to my credit. WHICH THEY DID NOT GET THAT INFORMATION. 
Another reason is 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). THEY HAVE NOT REPORTED ACCURATE INFORMATION AND I ALSO REQUESTED FOR THAT XXXX  ACCOUNT TO BE REMOVED BECAUSE OF REPORTING INACCURATE INFORMATION NUMEROUS TIMES. THE CHARGE OFF AND EACH TIME IT CHARGES OFF IT DRAGS THE LIMITATIONS OF THE DEBT. 15 USC 1681 SECTION 604 A SECTION 2- Stated a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B- A creditor may not not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. They have failed to investigate and correct inaccuracies multiple times. Yes, under the Fair Credit Reporting Act ( FCRA ), if a creditor reports inaccurate information on your credit report, they are obligated to investigate your dispute. If the investigation confirms that the information is indeed inaccurate, the creditor must remove or correct it.

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 2024-10-13 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: MD

Complaint narrative:
I have noticed accounts on my credit report that I am not familiar with. I have tried other methods to have them removed with no success. These accounts are stopping me from obtaining 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 2024-10-13 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: SC

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT, THE ACCOUNTS LISTED WERE NOT AUTHORIZED BY MY PERMISSION AND OPEND WITHOUT MY KNOWLEDGE THESE ARE FRAUDULENT ACCOUNTS THAT NEED TO BE REMOVED. THE COMPANIES HAVE NOT PROVIDED ME WITH PROOF OF MY PERMISSION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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: SC

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT, THE ACCOUNTS LISTED WERE NOT AUTHORIZED BY MY PERMISSION AND OPEND WITHOUT MY KNOWLEDGE THESE ARE FRAUDULENT ACCOUNTS THAT NEED TO BE REMOVED. THE COMPANIES HAVE NOT PROVIDED ME WITH PROOF OF MY PERMISSION.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
On XX/XX/XXXX, I received an e-mail from XXXX that there had been a change to my credit report. When I looked into the details, I saw that Bank of America reported a more than 30 day late payment for my Bank of America credit card. I was shocked, since I barely use the credit card. I also had automatic payments set to come out of a XXXX XXXX checking account with plenty of funds. The automatic payments went through each month in the past and I hadnt turned them off. In addition, I had alerts turned on with Bank of America that I had also not turned off so I should have received an e-mail if there were any issues. I did not received any communication that my automatic payment had not posted or that my payment was late. 

When I called Bank of America, the representative was not sure why my automatic payments were canceled or why my notifications were turned off. When we were able to get in touch with the online banking department, they said that when I closed my Bank of America checking and savings account in XXXX, it triggered a change to the type of account I had with them ( from a checking/savings and credit card account to a credit card only account ) and therefore canceled my automatic payments ( even though they were coming from a different bank where the account was and still is still open ) and turned off my notifications. 

When I called to close the checking/savings accounts in XXXX, the representative failed to tell me that the change would trigger changes to my credit card account ( for the automatic payments and my notifications to be turned off ). In my XXXX  years of credit history, I have never had a late payment. I called and virtually chatted with Bank of America representatives XXXX times, had my case escalated multiple times, and they refuse to remove the credit alert. This credit alert caused a drop in my credit score of over 100 points, for an unpaid balance of {$150.00} that was not my fault. Their refusal to take accountability for their error has made it so I may no longer qualify for housing as I look for a new rental and may have to pay tens of thousands of dollars more for a loan as I look to buy a house in the near future.

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 2024-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
XX/XX/year> XXXX payment was sent around XXXX XXXX to an individual who was selling a vehicle, but they were a scammer who did not have any vehicle or product available at all. {$500.00} was sent to someone who was believed to be a trustworthy person that is known in real life. However, the money was actually sent to a scammer with not vehicle. I have not contacted US bank, but plan on doing so.

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 2024-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I received an email from TransWorld Systems about a medical debt. The letter was password protected and the password was incorrect. The enotice said the password would be the last name of the account holder in all caps and when I put my last name in, it would not open. The company is claiming that I owe {$1300.00} from medical debt. I asked for written verification of this debt around 2 years ago and they did not send me anything. I have tried calling and there has been no further communication. This collection is showing up on all my credit reports and has brought my score down significantly. I had health insurance during that time and should not be owing this amount or any amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This account is not mine. I was sued by Lvnv funding on XXXX XXXX at this time, In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally requested validation of this debt which they did not comply, the judge gave them 30 days to validate the debt which they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: VA

Complaint narrative:
Please remove all inquiries these are unauthorized and aren't mine. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation