vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am the author of this dispute and my ID and Social Security Card is attached for verification. I checked my credit report and noticed some fraudulent, incomplete and incorrect accounts. Below are the accounts that are reporting that should be investigated and DELETED by all credit reporting agencies. 

ACCOUNTS : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX ( Original Creditor : 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 2023-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: DISCOVER BANK
State: TX

Complaint narrative:
Dispute XXXX Closed without looking at all of the facts. 
Merchant did not refund the full amount I paid for item when it was returned. Dispute was initiated in XXXX and Discover only looks at whether a transaction is valid not that the amount of the refund was less than the amount paid. As noted per the enclosed attachments, I was charged {$97.00} and only received {$79.00} in refund. As the description of the item attached ; merchant states " full refund in 30 days if not satisfied with item ''. Item was returned within the 30-day time frame. Discover closed the dispute and did not credit the shortage of {$17.00} that merchant did not refund. Again, it is not about a valid transaction that Discover continues to refer to ; it is about the correct amount of money not being refunded by merchant that advertises " free 30 day returns ''. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Sc XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Dear Sir/Madam, I am writing to bring to your attention the issue I have been facing with Trans Union regarding the incorrect and old information on my credit report. Despite my numerous attempts to have the wrong addresses and names removed from my credit report, Trans Union has consistently refused to do so. 

I have been a victim of potential identity theft, and as a result, my credit report has been affected. I have contacted Trans Union, XXXX, and XXXX times to have the incorrect information removed, but to no avail. I have provided them with the correct information and proof of my identity, but they have failed to take any action. 

To make matters worse, my Social Security number is on the Dark Web, which makes it easy for someone else to run my credit. My credit report has over 33 old addresses, misspelled names and phone numbers still on it, which are known to be on the dark web. This is a serious security risk, and I am extremely concerned about the potential for further identity theft. 

I am extremely frustrated with Trans Union 's lack of action and their unwillingness to correct the errors on my credit report. This has caused me a great deal of stress and has negatively impacted my credit score.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Trans Union. I believe that they are in violation of the Fair Credit Reporting Act, and I would like to see them held accountable for their actions. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, 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 2023-06-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.

Complaint narrative:
Hello, my name is XXXX XXXX and I have a problem with XXXX because, on XX/XX/XXXX I had a trip back to my country XXXX for XXXX matters. The same day I called the XXXX company to terminate my phone service from the number XXXX XXXX XXXX XXXX, so the agent gave me the confirmation and removed the automatic payment from the account since according to his instructions I should not make another payment. 

On XX/XX/XXXX I return to the United States and I find myself with the surprise of a {$XXXX USD charge from XXXX, which I was unaware of since I never received any billing or collection mail from my account. Given this I need the company to release the Total Amount of debt now because they did not do the work to close my line when I requested it. 

Translated with XXXX ( free version )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Im accordance with the fair credit reporting act XXXX account # 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, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 
15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, 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: AZ

Complaint narrative:
Im accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX 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 XXXXXX/XX/XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions.

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 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
There is an address on my credit report that I have never seen before in my life. I am a lifelong resident of Louisiana and this address is in MD. I have no idea who it belongs to or why it is on my credit report. I have disputed with the 3 credit bureaus but it still hasn't been removed. I have placed a freeze on my account. It appears to have been on there for years ; I also disputed several derogatory collections tied to this fraudulent address but the bureaus have not removed it. I sent in my license to correct it but nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There is an address on my credit report that I have never seen before in my life. I am a lifelong resident of Louisiana and this address is in MD. I have no idea who it belongs to or why it is on my credit report. I have disputed with the 3 credit bureaus but it still hasn't been removed. I have placed a freeze on my account. It appears to have been on there for years ; I also disputed several derogatory collections tied to this fraudulent address but the bureaus have not removed it. I sent in my license to correct it but nothing has been done.

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 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2023-06-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Compass Recovery Group, LLC
State: NY

Complaint narrative:
Compass Recovery Group called every member of my family, after they were previously asked to not contact anyone but me. From XXXX XXXX XXXX XXXX, Compass contacted both of my siblings and both of my parents. They proceeded to call my employer. They then called me on my work phone and a female manager threatened to garnish my wages and pursue legal action against me. This all happened because I was struggling financially after a car accident and could not afford the biweekly payments for a few weeks. They called me every single day, multiple times a day on multiple different phone numbers, harassing me since mid XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
The credit report shows : MIDLAND FUNDING original creditor : XXXX XXXX collection debt : {$660.00} date open : XX/XX/XXXX contact info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted the credit bureau in XXXX after realizing that there I had been a victim of identity deft. There was multiple accounts open under my name. My identity was compromised when I became homeless for a period of 3 years from XXXX in XXXX XXXX XXXX XXXX I have been contacted by the above creditor. I have challenged their collection debt as the debt was not made by me. I was able to resolve all of the other unauthorized accounts that were open under my name except the aforementioned. 

I would like to obtain you assistance in this matter as I have made several direct attempts to resolve this issue with no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
All 3 credit bureaus is purposely keeping my credit score low. My credit score has always been in the high 700s now its hovering around 550 for over 10 years now. I disputed past collection that was already paid. Yet theyre still reporting that incorrect information. I feel the credit report agency is discriminating against my credit worthiness. Theyre still reporting old addresses to purposely keep my score low. All 3 credit bureaus has cost me thousands of dollars in the past from various loan companies. Please look into their unfair practices. Its unfair how they have the power to keep my income down and to destroy my livelihood of making my credit outstanding to get future loans. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I took action on XX/XX/2023 to dispute the delinquency reported on my credit report because I paid the car off early. I paid off a 60 months loan in 22 months. 
My payments were {$130.00} a month and my last XXXX payments were {$4000.00} and {$860.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Experian had the following reports regarding my XXXX XXXX XXXX : Balance {$78000.00}, Balance updated XX/XX/2023 ; Balance {$XXXX  Balance updated XX/XX/2023 ; XXXX XXXX reported the following to me : Balance {$XXXX} on XX/XX/2023 ; Balance {$75000.00} on XX/XX/2023 ; Not only is Experian incorrect, it shows the balance going up instead of down. 

Experian showed a balance of {$XXXX} on XX/XX/2023. Then it shot up to {$78000.00} in XX/XX/2023. They claim the balance went up XXXX} in one month. It did not ; it's been going down steadily.

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 2023-06-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
In XXXX of XXXX I attempted to have my VA loan refinanced with my current lender Wells Fargo. This wasn't the first time I refinanced with them. I was attempting to take advantage of the low interest rates at the time. I spoke to sales rep and was flat out told specifically that Wells Fargo is not processing VA loans for refinancing at that time and there was indication of when the would start. I think I was discriminated against due to the fact i held a VA loan and my new loan amount compared to my interested rate would be considerably less. This was the third time I attempted to refinance and was denied ( XX/XX/XXXX, XX/XX/XXXX ). I didn't really look for other lenders since it was easier to use the same lender. I believe that if Wells Fargo processed my application I would have saved a considerable amount of money. Again this wasn't my first time. I was in good standing and my credit was above XXXX I also earned a considerable amount. I don't know what the banks obligations are in regards to VA loan applications. I don't think they can just flat out not even process a application because it is VA loan. I would like answers concerning this because I am sure some vets bought homes during this time Wells Fargo is the lender.

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 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

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 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 non-monetary relief
Consumer complaint received 2023-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CO

Complaint narrative:
On XX/XX/2023 I purchased a Vanilla prepaid card in the amount of {XXXX} and {XXXX} for the card to use online while my bank was sending me a new debit card. I was going to use the card for groceries and other items online. When I got home I opened the untampered package to find that the card had been made unusable by scratches on the card number and the XXXX XXXX on back. I immediately called the company and after the hassle of trying to reach customer service they informed me that they would have an investigation into the matter and that I needed to provide photos of all the evidence I had and my ID which I did. I asked how long this would take to which they answered 30 days. It was the only money I had until I received my social security check. They don't care about that and just told me to get the evidence and ID photos to them quickly. When I emailed the photo evidence to them I did not receive any communication back from these ripoffs. And yes I was angry. I emailed them about my case a number of times to which I received no communication. It's getting close to a month now and am still out the money I used to buy and load the the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
According to the FCRA ( XXXX XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove these late payment indicators expeditiously. 


Account XXXX : XXXX XXXX XXXX # XXXX, has violated my federally protected consumer rights. 



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 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 following items of information, Any other adverse item of information, other than record of conviction 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 2023-06-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Source Receivables Management LLC
State: PA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
According to the FCRA ( XXXX XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove these late payment indicators expeditiously. 


Account XXXX : XXXX XXXX XXXX # XXXX, has violated my federally protected consumer rights. 



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 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 following items of information, Any other adverse item of information, other than record of conviction of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, 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:
According to the FCRA ( XXXX XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove these late payment indicators expeditiously. 


Account XXXX : XXXX XXXX XXXX # XXXX, has violated my federally protected consumer rights. 



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 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 following items of information, Any other adverse item of information, other than record of conviction 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