vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-27 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: MA

Complaint narrative:
I am writing to formally file a complaint against XXXX XXXX, the issuer of my XXXX XXXX, due to an error in processing my payment instructions, which has adversely affected my credit profile. 

When setting up a payment plan with XXXX XXXX, I explicitly requested that the first payment be debited from one specific account and all subsequent payments from a different account. This arrangement was confirmed by their representative. 

Despite this confirmation, XXXX XXXX debited payments from the incorrect account. This led to a missed payment when the unintended account lacked sufficient funds. 

As a result of this missed payment, my credit report now reflects a delinquency, negatively impacting my credit score. This error was solely due to XXXX XXXX ' mishandling of my payment instructions. 

I have contacted XXXX XXXX multiple times to rectify this issue, requesting : 1. Correction of their records to reflect the accurate payment instructions.

2. A formal letter acknowledging their error to provide to the credit bureaus for correction of my credit report. 

Despite these efforts, XXXX XXXX has not resolved the issue, and the negative mark remains on my credit report.

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 2025-01-27 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: MA

Complaint narrative:
I am writing to formally file a complaint against XXXX XXXX, the issuer of my XXXX XXXX, due to an error in processing my payment instructions, which has adversely affected my credit profile. 

When setting up a payment plan with XXXX XXXX, I explicitly requested that the first payment be debited from one specific account and all subsequent payments from a different account. This arrangement was confirmed by their representative. 

Despite this confirmation, XXXX XXXX debited payments from the incorrect account. This led to a missed payment when the unintended account lacked sufficient funds. 

As a result of this missed payment, my credit report now reflects a delinquency, negatively impacting my credit score. This error was solely due to XXXX XXXX ' mishandling of my payment instructions. 

I have contacted XXXX XXXX multiple times to rectify this issue, requesting : 1. Correction of their records to reflect the accurate payment instructions.

2. A formal letter acknowledging their error to provide to the credit bureaus for correction of my credit report. 

Despite these efforts, XXXX XXXX has not resolved the issue, and the negative mark remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: MA

Complaint narrative:
I am writing to formally file a complaint against XXXX XXXX, the issuer of my XXXX XXXX, due to an error in processing my payment instructions, which has adversely affected my credit profile. 

When setting up a payment plan with XXXX XXXX, I explicitly requested that the first payment be debited from one specific account and all subsequent payments from a different account. This arrangement was confirmed by their representative. 

Despite this confirmation, XXXX XXXX debited payments from the incorrect account. This led to a missed payment when the unintended account lacked sufficient funds. 

As a result of this missed payment, my credit report now reflects a delinquency, negatively impacting my credit score. This error was solely due to XXXX XXXX ' mishandling of my payment instructions. 

I have contacted XXXX XXXX multiple times to rectify this issue, requesting : 1. Correction of their records to reflect the accurate payment instructions.

2. A formal letter acknowledging their error to provide to the credit bureaus for correction of my credit report. 

Despite these efforts, XXXX XXXX has not resolved the issue, and the negative mark remains on my credit report.

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 2025-01-27 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valley Credit Service, Inc. (OR)
State: OR

Complaint narrative:
Valley Credit Services Inc. and its lawyer XXXX XXXX are trying to collect a judgement that doesnt meet the statutory requirements, nor does the writ of garnishment. Theyve circumvented areas of the law that govern government judgments, summonses, and collections. 

The judgement form itself has most fields blank, and the docket has inconsistencies and missing information to validate the judgment. 

Valley Credit Services Inc. and XXXX XXXX XXXX try to extract revenue from judgment-proof individuals on social security. This company and its lawyer have no ethics or moral compass.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: NV

Complaint narrative:
I was a victim of multiple data breaches, and many items on my credit report are 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 2025-01-27 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: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
I am writing to formally file a complaint against Goldman Sachs, the issuer of my Apple Card, due to an error in processing my payment instructions, which has adversely affected my credit profile.

When setting up a payment plan with Goldman Sachs, I explicitly requested that the first payment be debited from one specific account and all subsequent payments from a different account. This arrangement was confirmed by their representative.

Despite this confirmation, Goldman Sachs debited payments from the incorrect account. This led to a missed payment when the unintended account lacked sufficient funds.

As a result of this missed payment, my credit report now reflects a delinquency, negatively impacting my credit score. This error was solely due to Goldman Sachs ' mishandling of my payment instructions. 

I have contacted Goldman Sachs multiple times to rectify this issue, requesting : 1. Correction of their records to reflect the accurate payment instructions.

2. A formal letter acknowledging their error to provide to the credit bureaus for correction of my credit report.

Despite these efforts, Goldman Sachs has not resolved the issue, and the negative mark remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: IL

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

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 2025-01-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally report an ongoing issue I have been dealing with for the past two years regarding fraudulent accounts on my credit report. Despite my consistent efforts to resolve this matter, I am still being held responsible for accounts that were opened in my name without my authorization.

I have been in contact with the creditors and credit bureaus repeatedly over the past two years, explaining that the accounts in question are not mine and were opened fraudulently. I have provided documentation, including identity theft reports and police reports, to support my claims, but the issue remains unresolved. These fraudulent accounts continue to appear on my credit report, severely affecting my credit score and financial wellbeing. 

I request that the CFPB intervene to help ensure these fraudulent accounts are properly investigated and removed. I am seeking assistance in ensuring that my rights are protected and that the proper steps are taken to address the fraudulent activity on my credit file. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KS

Complaint narrative:
In XXXX of XXXX, I noticed fraudulent unauthorized charges on my USAA checking account. I contact the bank immediately to notify them. I spent two hours on the phone identifying each of the charges and asked them to freeze my account. However, when I check back into my account activity, I noticed that although they did credit me for the charges that I had reported previously, they failed to freeze my account and had allowed many more fraudulent charges to go through. Upon this new contact, they " investigated '' these additional charges and concluded that the new charges were not fraud which I dispute. The bottom line is, I notified them of the fraudulent charges, and they failed to act to secure my account as I requested. My belief is that USAA had poor account authentication practices at that time and are ignoring my concerns now, hoping that I will go away. I did file a police report. Most if not all the fraudulent transactions to my checking account used apps like XXXX or XXXX which I had never even heard of before 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 monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 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 2025-01-27 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: TX

Complaint narrative:
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 XXXXXXXX Subject : Dispute of Unauthorized Inquiry on My Credit Report Dear TransUnion Dispute Department : I am writing to formally dispute an inquiry that appears on my credit report. According to 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure that inquiries listed on a credit report are authorized by the consumer or made for permissible purposes as outlined in the law.

The inquiry in question appears to have been made without my authorization. Therefore, I am requesting that you investigate and, if appropriate, remove this inquiry from my credit report.

Under 15 U.S.C. 1681b, consumer reporting agencies may only disclose a consumers credit information for specific, legally authorized purposes, such as : With the consumers written consent ; In connection with a credit transaction initiated by the consumer ; or For other permissible purposes outlined in the FCRA. 
If the inquiry can not be verified as authorized or permissible under the FCRA, I request its immediate removal from my credit report. 

Relevant Law : 15 U.S.C. 1681b This section of the Fair Credit Reporting Act specifies that consumer credit reports may only be accessed for legitimate purposes, including : A court order or subpoena.

Written permission from the consumer.

Legitimate business needs in connection with a transaction initiated by the consumer.

Any violation of these conditions may be a breach of my consumer rights as protected under federal law. 

Please investigate this matter and provide a written confirmation once the investigation has been completed and the necessary corrections have been made. You may contact me by email at XXXX or by mail at the address provided above. 

These are the laws being violated : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft. 
Sincerely, XXXX XXXX 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 2025-01-27 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: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX XXXX Date : XX/XX/XXXX XXXX Department TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Unauthorized Inquiry on My Credit Report Dear TransUnion Dispute Department : I am writing to formally dispute an inquiry that appears on my credit report. According to 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure that inquiries listed on a credit report are authorized by the consumer or made for permissible purposes as outlined in the law.

The inquiry in question appears to have been made without my authorization. Therefore, I am requesting that you investigate and, if appropriate, remove this inquiry from my credit report.

Under 15 U.S.C. 1681b, consumer reporting agencies may only disclose a consumers credit information for specific, legally authorized purposes, such as : With the consumers written consent ; In connection with a credit transaction initiated by the consumer ; or For other permissible purposes outlined in the FCRA.

If the inquiry can not be verified as authorized or permissible under the FCRA, I request its immediate removal from my credit report.

Relevant Law : 15 U.S.C. 1681b This section of the Fair Credit Reporting Act specifies that consumer credit reports may only be accessed for legitimate purposes, including : A court order or subpoena.

Written permission from the consumer.

Legitimate business needs in connection with a transaction initiated by the consumer.

Any violation of these conditions may be a breach of my consumer rights as protected under federal law.

Please investigate this matter and provide a written confirmation once the investigation has been completed and the necessary corrections have been made. You may contact me by email at XXXX or by mail at the address provided above. 

These are the laws being violated : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft. 
Sincerely, XXXX XXXX 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 explanation
Consumer complaint received 2025-01-27 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: OH

Complaint narrative:
I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of these items, as it is incorrect and does not reflect my true credit history. 

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 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 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 XXXXXX/XX/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 2025-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of these items, as it is incorrect and does not reflect my true credit history. 

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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: DE

Complaint narrative:
I asked discover to verify debt and if prove that I legally still owe debt. They keep falsely updating the last activity date.

Company response to consumer: Closed with explanation