vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint regarding the handling of my credit report by XXXX, Equifax and XXXX. Despite my efforts to correct inaccuracies related to my address and name, the credit bureau has failed to update their records accurately. 

I have previously disputed the incorrect information related to my old address and name. I submitted all necessary documentation, including my current identification with the correct address and name. However, the credit bureau has incorrectly updated their records as accurate, disregarding the evidence provided. 

This has caused significant inconvenience and potential impact on my credit profile. I request your assistance in resolving this issue and ensuring that my credit report reflects my accurate and current information. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
I have received notice from my insurance scored was downgraded based on the collection action listed on my credit report even thought I have previously disputed this matter with the credit reporting agencies, The information provided is inaccurate, I have also provided proof of the 60 days of noticed an payment through the required period, when I was contacted by a rep of the company alleging that a cleaning fees was also included, I even agreed to pay the said the fees, although it's a made up fees granted they provided me an invoice for the said fees only ; however I never heard from CAPTSTONE since. 

I signed a 7 month lease and agreed to pay a higher rent rate while my house was being build, as required I provided the rental office ass instructed when I signed my lease with my 60 days notice via the portal with my rent payment on XXXX XXXX XXXX and although I vacated the apartment in XXXX I pay the rent through XX/XX/year>. 

I have attached all the supporting document, please advise if you need additional information. 

Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 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: DE

Complaint narrative:
TRANSUNION IS REPORTING FALSE INQUIRES ON MY CREDIT REPORT THAT WERE LISTED AS FRAUDULENT INQUIRES. I WAS A VICTIM OF IDENITY THEFT IN 2023 WHICH I HAVE EXPLAINED TO TRANSUNION DURING MY FIRST DISPUTE. THIS IS MY SECOND ATTEMPT TO HAVE THESE INQUIRES REMOVED. CURRENTLY TRANSUNION IS VIOLATING MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT BY CONTINUING TO REPORT THESE INQUIRES.

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 2024-08-31 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-31 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
I have requested the assignment contract and the the contracts with my wet signature regarding alleged debt for verification. as of date after multiple request have not received. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I XXXX presume that no proof of the alleged debt, nor therefore any such debt in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
CaptialOne won't close my account I'm going to report it to local law enforcement as well, any help would be much appreciated, please and thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My husband and I are attempting to secure a mortgage and when our lender tries to pull information from Experian it comes back saying no score. I have contacted Experian multiple times and they have not done anything to help resolve this issue. I am currently under contract to purchase this home and need this rectified in a timely manner. I have an Experian account and see my score but they have not been able to provide me a reason why a lender gets no score when the lender pulls my credit from Experian. The lender has had no issues with XXXX or XXXX. Your assistance in this matter is greatly appreciated.

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 2024-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
On XX/XX/year>, I attempted to purchase an airline galley cart from a seller on XXXX XXXX. I planned to use the cart as a bar cart. After expressing interest, the seller provided me with his phone number, and we continued communication via text. During our conversations, the seller insisted on payment through Cash App. 

I sent {$300.00} to the seller via Cash App, using my credit card for added security. Despite my precautions, the seller did not fulfill the purchase. On XX/XX/XXXX and XX/XX/XXXX, I requested a tracking number for the cart, but instead, I found that I had been blocked by the seller. Additionally, I had provided the seller with my girlfriend 's name and address, making it clear that the seller had personal information about us. 

What actions I took : I contacted both my bank and Cash App to report the scam and request reimbursement. Both institutions directed me to contact each other, and ultimately, neither could assist with resolving the issue. My appeals for reimbursement were denied. 

I also requested a refund directly from the seller, but my request was ignored. 
To date, I have not received any resolution or reimbursement for the {$300.00} I lost. 

Timeline : XX/XX/XXXX - I contacted Cash App support, XXXX XXXX I submitted a Credit Card Dispute with XXXX XXXX XX/XX/XXXX - XXXX XXXX denied and closed my claim telling me to contact the recipient or merchant for reimbursement directly. I tried to appeal this, but they insisted that it was futile. 
XX/XX/XXXX - I contacted Cash app because I found out my claim was denied. I asked to appeal and escalate my claim however, they said managers only email customers and that I had to wait until they contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

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 2024-08-31 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 request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

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 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
The was a total loss insurance sent company a check paid full. Company reporting the account as charge off. Fair Credit Reporting Act This law requires that inaccurate information on a consumer 's credit report be corrected or deleted within 30 days of a dispute. The statute of limitations for filing a lawsuit is two years after the violation was discovered or five years after the violation occurred

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with [ XXXX XXXX XXXXXXXX ] Dear Sir/Madam, I am writing to formally complain about a serious issue concerning the reinvestigation process on my credit report, as required by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has not removed a late payment from my account with [ XXXX XXXX XXXX ] despite my efforts to correct this inaccurate information. 

I recently disputed the presence of a late payment on my [ XXXX XXXX XXXXXXXX ] account, which has negatively impacted my credit history. Under the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was required to conduct a reinvestigation to ensure that any inaccuracies were promptly corrected. 

However, despite this legal obligation, the credit bureau has failed to properly reinvestigate and correct the erroneous information on my credit report. This negligence has harmed my credit score and jeopardized my financial well-being. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter urgently and ensure that the credit bureau complies with the relevant regulations. I am seeking immediate action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX XXXX XXXX XXXX. I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance. 

Sincerely, Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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: GA

Complaint narrative:
15 U.S. Code 1681e ( b ) - Compliance procedures ( b ) Accuracy of report 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.. 

There are 3 different dates reported under date of last activity, last verified, date reported, date opened, last payment and this means that possibly all 3 of the credit reporting agencies are reporting inaccurate information. Where is the inaccurate coming from and why is the information not consistent? THE ACCOUNTS ARE NOT 100 % ACCURATE. DELETE THE ACCOUNTS DUE TO INACCURACY. I have attached my credit report from XX/XX/year> with all the inaccuracies highlighted. 



DELETE IMMEDIATELY DUE TO INACCURACY 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

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 2024-08-31 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: CA

Complaint narrative:
fraud, identity theft to be taken off : credit report showing someone using a Nebraska Identification card, and inquiries unknown, misc stuff coming up on credit report not done by me. personal information also listed wrong, phone numbers, addresses, spelling of name etc.

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 2024-08-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: MI

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Paypal keeps hitting multiple of my bank accounts through XXXX that are not authorized. I have my accounts frozen at XXXX but can't get paypal to stop fraudulent vendors. 

XXXX : {$50.00} XX/XX/XXXX : {$90.00} XX/XX/XXXX : {$950.00}, {$49.00}, {$49.00} XX/XX/XXXX : {$50.00}, {$50.00} Paypal indicated not there problem, contact your bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

Account # XXXX XXXX bank XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
To Whom It May Concern : I am writing concerning the above-referenced accounts and transactions. 
This vehicle was repossessed by Chrysler Capital in the State of Louisiana on or about, XX/XX/year>, and resold. 

Under the laws of the State of Louisiana XXXX and XXXX XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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: SC

Complaint narrative:
This report is not a duplicate report. I did not hire a credit repair agency or a 3rd party to submit this complaint.

I recently obtained a new copy of my credit report and noticed there are some violations that need to be investigated. In accordance with the FCRA LAWS the below accounts have violated my rights according to 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. 

Account Name : XXXX XXXX Account # XXXX Acct Name : XX/XX/XXXX Acct # XXXX Acct Name : XX/XX/XXXX Acct # XXXX Acct Name XX/XX/XXXXXXXX Acct # XXXX Account Name : XXXX XX/XX/XXXX ( Original Creditor : XX/XX/XXXXAcct # XXXX Acct Name : XXXX XXXX Account # XXXX Acct Name : XX/XX/XXXXXXXX Acct # XXXX Acct Name : XX/XX/XXXXXXXX Acct # XXXX Acct Name : XXXX Acct # XXXX Acct Name : XX/XX/XXXXXXXX Acct # XXXX Acct Name : XXXX Acct # XXXX Acct Name : XXXX Acct # XXXX Furthermore, please provide the XXXX following things for further investigation on my end : XXXX. The Original Contracts Of All Accounts With My Wet Signature On It XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated With Each Account XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these XXXX things please delete these accounts from my credit report. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 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: SC

Complaint narrative:
This report is not a duplicate report. I did not hire a credit repair agency or a XXXX party to submit this complaint. 

I recently obtained a new copy of my credit report and noticed there are some violations that need to be investigated. In accordance with the FCRA LAWS the below accounts have violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Account Name : XXXX XXXX Account # XXXX Acct Name : OneMain Acct # XXXX Acct Name : XX/XX/XXXX Acct # XXXX Acct Name : XX/XX/XXXXXXXX Acct # XXXX Account Name : XXXX XX/XX/XXXX( Original Creditor : XXXX XX/XX/XXXX A Acct # XXXX Acct Name : XXXX XXXX Account # XXXX Acct Name : XX/XX/XXXXXXXX Acct # XXXX Acct Name : XX/XX/XXXXXXXX Acct # XXXX Acct Name : XXXX Acct # XXXX Acct Name : XX/XX/XXXX XXXX Acct # XXXX Acct Name : XXXX Acct # XXXX Acct Name : XXXX Acct # XXXX Furthermore, please provide the XXXX following things for further investigation on my end : XXXX. The Original Contracts Of All Accounts With My Wet Signature On It XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated With Each Account XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these XXXX things please delete these accounts from my credit report. 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 explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The was a total loss insurance sent company a check paid full. Company reporting the account as charge off. Fair Credit Reporting Act This law requires that inaccurate information on a consumer 's credit report be corrected or deleted within 30 days of a dispute. The statute of limitations for filing a lawsuit is two years after the violation was discovered or five years after the violation occurred

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 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account is outdated and should be removed from my credit report. The date of first delinquency was reported as XX/XX/XXXX, and the creditor has not reported on the account since XX/XX/XXXX.

Company response to consumer: Closed with explanation