vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-08 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: CA

Complaint narrative:
I looked at my credit report on XXXX XXXX and notice 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 the report relates. 
These accounts are listed below XXXX XXXX XXXX / XXXX Credit Card Open date is not reporting correctly, date last active, date of last payment is not correct, this account was never late, this account is not accurate. 
XXXX XXXX XXXX. Creditor agree to delete this account after the last payment, this account is not accurate. 
XXXX XXXX XXXX. Creditor agree to delete this account after the las payment, this account is not accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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: CA

Complaint narrative:
I looked at my credit report on XXXX XXXX and notice 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 the report relates. 
These accounts are listed below XXXX XXXX XXXX / XXXX Credit Card Open date is not reporting correctly, date last active, date of last payment is not correct, this account was never late, this account is not accurate. 
XXXX XXXX XXXX. Creditor agree to delete this account after the last payment, this account is not accurate. 
XXXX XXXX XXXX. Creditor agree to delete this account after the las payment, this account is not accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TEXAS CAPITAL BANCSHARES, INC.
State: MN

Complaint narrative:
XXXX. ) About 12 days ago ( today is XX/XX/year> ) my online ability to transfer funds was disabled. 
XXXX. ) Stated reason was " We have detected unusual activity with your account. '' XXXX. ) I've called customer service multiple days in a row now to restore full account access ( i.e., ability to transfer out funds ) and have been unsuccessful. Company says only the " Fraud Department '' can help me now. 
XXXX. ) I use my account to pay my mortgage and now I can not do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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:
ACCORDANCE WITH PRIVACY ACT OF 1974, 5 USC 552a ACCORDANCE WITH GRAMM LEACH BLILEY ACT TITLE 15 USC 6801 PROTECTION OF NON-PUBLIC PERSONAL INFORMATION ACCORDANCE WITH 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN PERMISSION TO HAVE THESE UNAUTHORIZED TRANSACTIONS AND 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 non-monetary relief
Consumer complaint received 2024-05-08 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
According to the family educational rights and privacy act ( FERPA ) states this federal law, which was enacted in 1974, protects the privacy of student education records. FERPA applies to public private elementary secondary and post school. 20 USC- 1232g ( b ). Also according to the FCRA 15 USC 1681 ( a ) accuracy and fairness of credit reporting ; 15USC 1681 ( b ) reasonable procedures 15 USC 1681 ( c ) no adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation. 15 USC 1681e- ( b ) accuracy reporting 5 USC 552a privacy act of 1974. So according to the laws these items shouldn't be on my credit report. All 3 credit bureaus are reporting this information on my credit report. As a consumer I have the right to privacy. Also as a consumer I have the right to opt out of these reporting agencies backed by 12 CFR 1016.7 states that a consumer may exercise the right to opt out at anytime. As a consumer I am opting out of these reporting services.

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 2024-05-08 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: MN

Complaint narrative:
Multiple times over mulptiple years, I have disputed with the credit bureau and XXXX XXXX incorrect information that is on my credit report. I received a recent update on my Equifax credit report stating that my information is correct and that it was verified by XXXX XXXX. Unfortunately, someone is lying again. It is now updated to an account that is too NEW to rate and they added that it is 60 days late instead of 30 days in XXXX of XXXX. This account is too old to be on my report and it was closed and XXXX balance as of XXXX. All of my accounts with XXXX XXXX  have been closed and paid on or before XXXX of XXXX. I have no open or new accounts with them. However, they list this account as a XXXX account. My question over the last XXXX years of disputes with this account is how can something be late if it was paid and closed in XXXX. The account can not be late if there is no payment due. I contacted XXXX XXXX today and not XXXX person could connect me to XXXX, who is the person who signed the letter stating that its my fault because I disputed this account too many times. Unbelievable, I have been disputing it because no one is doing their job correctly. Today, I spent over XXXX minutes on hold talking to at least XXXX different people and not XXXX person could help me. This account and any accounts on my credit reports from XXXX XXXX need to be deleted. This account is over XXXX XXXX XXXX and it has been reporting inaccurately for XXXX years. Yes, XXXX  years I have been trying to get this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: AL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-08 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: AL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-05-08 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Disputed transaction for XXXX XXXX XXXX for XXXX $ XXXX XXXX XXXX challenged the chargeback then contacted capital one they advised me to provide supporting documentation, of which I did. 

Capital one send me a letter saying it lacks evidence needed and to contact the merchant. Called capital one again spoke to a supervisor they advised me exactly what documentation needed to close the dispute in my favor provided the letter as requested same day. XX/XX/year> I received the SAME letter saying to work it out with the merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-08 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: CA

Complaint narrative:
I am writing to address several concerning issues regarding the handling of my personal information as governed by various sections of the Fair Credit Reporting Act ( FCRA ) and related statutes.

Firstly, according to 15 USC 1681 section 602 ( a ) of the FCRA, it is imperative that consumer reporting agencies such as Equifax and XXXX conduct their operations with fairness, impartiality, and respect for consumers ' privacy rights. As a consumer, I am entitled to ensure that my private information remains secure, as reinforced by 15 USC 6801, which mandates financial institutions to uphold the privacy and confidentiality of customers ' nonpublic personal information.

Under 15 USC 1681 section 604 ( a ) ( 2 ), it is explicitly stated that consumer reporting agencies may only furnish consumer reports under circumstances outlined in written instructions from the consumer. I have not provided consent, neither written nor implied, for Equifax, or any furnisher of information to credit agencies to share my personal information.

Furthermore, according to 15 USC 6802 ( b ) ( c ), financial institutions are prohibited from disclosing nonpublic personal information to third parties without informing consumers of their right to opt out of such disclosure. I have not been properly informed of this right by the relevant financial institution.

Additionally, the reporting of adverse items of information, such as the account in question, without my consent violates 15 USC 1681C ( a ) ( 5 ), which restricts consumer reporting agencies from including such information in consumer reports.

Moreover, 15 U.S. Code 1681s2 ( a ) ( 1 ) prohibits the furnishing of inaccurate information to consumer reporting agencies, and Equifax and XXXX are failing to uphold reasonable procedures to prevent violations of the FCRA, as mandated by 15 U.S. Code 1681e.

Finally, under 12 CFR 1016.7, I am exercising my right to opt out of your reporting services effective immediately.

In light of these violations and discrepancies, I expect immediate action to rectify the situation and ensure compliance with all relevant laws and regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-08 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: OH

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as 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 2024-05-08 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: OH

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
On XX/XX/2024 I filed a multiple transaction fraud claim with PayPal. I did this only after i received a text message from PayPal stating this Be sure to log in to PayPal and report any purchases you don't recognize. Alarmed by the messages context i logged into my account to find multiple transactions from 2 separate companies. These companies names are XXXX XXXX XXXX and XXXX. Transactions amounts ranging anywhere from {$4.00} - {$49.00}. I didnt not authorize Either companies nor PayPal for the transactions leaving my only option to file a dispute claim for unauthorized transactions. PayPal denied my claim for all transactions involved claiming it matched my transaction history on my account but these transactions are my only transactions on my account so that doesnt seem appropriate for denial towards my case. Especially since PayPal was originally the ones who detected that some of my transactions were fraudulent. 

Since some of these transactions were pending still via my original claim. I filed a second unauthorized transaction claim on XXXX after they had posted to my account in which these transactions were also denied saying that the transactions were found TO BE fraudulent and because of that they could NOT refund my account. Below is a copy and paste from the direct message i received. 


After carefully reviewing your case, we found that this was an authorized transaction so it couldnt be covered under PayPal Purchase Protection. We were unable to provide a refund for this transaction PayPal

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
A Citi Bank CITI/AAdvantage XXXX World Mastercard Credit Card Account was fraudulently opened in my XXXX spouse 's name was opened shortly after XXXX XXXX  ( XXXX XXXX ) about time her XXXX was published in the XXXX  XXXX XXXX on XXXX XXXX 2024. A bill for billing period XXXX for {$590.00} was received. 
I called customer service and had trouble connecting due to not having an account number! I waited for long periods for a representative on hold and was disconnected after the service rep intimated that it was an account I wasn't aware of. There is no way my spouse who was XXXX of XXXX XXXX XXXX was capable of opening a credit account. 
I then sent the emails copied below to the address I found on their website. I called a second time and was transferred to their " closed '' security contact who said they would call me back. They never did. I received a second bill late fees and interest penalty. 
I received a letter dated XX/XX/2024 stating they have closed the account and placed the account with " one of our XXXX partners '' XXXX XXXX XXXX. I then received a nearly unintelligible call from an " XXXX XXXX XXXX '' company which I hung up on. 



From : To : XXXX Thu, XX/XX/XXXX at XXXX PM I find this annoying. 

I just received a fraudulent billing for a membership fee in my XXXX spouses name. 

I accept no responsibility or obligation past or future for this account be it fee, billing or any other connection to this billing / account. 

I do not have a card or account number. It says " Member Since 2024 Account Number ending in XXXX '' Billing is for membership fee {$590.00}. 

Addresses given : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Citi Cards XXXX XXXX XXXX, XXXX XXXX XXXX Please reply with acknowledgement of receipt. 

Regards, Re : Fraudulent Account XXXX/Sent From : To : XXXX Fri, XX/XX/XXXX at XXXX AM It appeared this did not sent last night when I sent it. 
I finally got thru to an operator on the phone this morning but after not letting me explain she ( XXXX ) hung up on me. 

Your automated system does not recognize my XXXX spouses XXXX. 



On Thursday, XXXX XXXX, 2024 at XXXX PM XXXX, XXXX XXXX XXXX wrote : I find this annoying. 

I just received a fraudulent billing for a membership fee in my XXXX spouses name. 

I accept no responsibility or obligation past or future for this account be it fee, billing or any other connection to this billing / account. 

I do not have a card or account number. It says " Member Since 2024 Account Number ending in XXXX '' Billing is for membership fee {$590.00}. 

Addresses given : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Citi Cards XXXX XXXX XXXX, XXXX XXXX XXXX XXXX reply with acknowledgement of receipt. 

Regards, XXXX bill 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 2024-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Subject : Cease and Desist Request Regarding Violation of 15 USC 1692c ( c ) Dear CFPB, I am writing to report an incident of unauthorized debt collection attempts made by CREDIT COLLECTION SERV. Despite the debt not being owed by me, CREDIT COLLECTION SERV persistently attempted to collect it, which is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692e ( 2 ) ( A ) and 15 USC 1692e ( 10 ). 

The incident occurred over the past [ time period ], during which CREDIT COLLECTION SERV repeatedly contacted me, claiming that I owed a debt to CREDIT COLLECTION SERV. However, upon investigation, it was discovered that this debt was not mine and was, in fact, a result of identity theft. Despite providing evidence and documentation supporting this claim, CREDIT COLLECTION SERV continued their collection attempts. 

Furthermore, CREDIT COLLECTION SERV repeatedly contacting XXXX, XXXX, and XXXX on a monthly basis regarding this unauthorized debt. This violates my rights under the FDCPA, as it constitutes harassment and false representation of the debt, as outlined in 15 USC 1692e ( 2 ) ( A ) and 15 USC 1692e ( 10 ). 

Numerous attempts were made to communicate with CREDIT COLLECTION SERV to cease their collection efforts and rectify the situation. However, they persisted in their attempts to collect the debt, disregarding my rights as a consumer. 

As per the FDCPA, debt collectors are prohibited from attempting to collect debts that are not owed by the consumer and from engaging in harassing or deceptive practices. The fine for violating these provisions can range up to {$1000.00} per violation. 

I urge you to take appropriate action against CREDIT COLLECTION SERV to ensure that they cease all collection attempts related to this unauthorized debt, refrain from contacting the credit bureaus, and to impose the appropriate fines for their violation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

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 2024-05-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I moved into XXXX XXXX XXXX on XX/XX/XXXX, and moved out in XX/XX/XXXX. I was told I didn't have to pay the debt because of all the issues I was having. They never did any repairs after being told maintenance was coming to repair the issues. The following issues I was having are : The toilet was broken A crack in the window in my daughter 's room I had no stove for a month after moving in I had no heat during the winter tine After a month, I finally got a stove. When they came with the stove, I thought they were going to repair all the other issues, but they didn't. Because the window had a crack in it, bugs came in and my daughter was bitten. I called the office and went to the office on a daily about the problems. They kept telling me they would send maintenance. They never did. A storm came in and blew the entire window out. I called the office and they sent maintenance. I thought they were going to repair the window, but they didn't. They just put a piece of wood on the window, I stopped paying rent because they never fixed the issues. I told them I was going to move out. They told me not to worry about the debt because I wrote down all the problems I was having. Now I'm in another city and state and can't get another place because they put me in collections anyway. I called the office about the debt and they told me management was going to call. They never did. I called back to the office and the lady named XXXX told me to do what I got ta do, we can't help you. I was also told it's not their problem. They were very rude. Under federal law your landlord refuses to make the necessary repairs to make the property liveable, you are not to pay any rent. I need XXXX XXXXXXXX XXXX removed from my credit immediately. 
This is 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