vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
ON XX/XX/2022, TRANSUNION, XXXX, AND XXXX CREDIT BUREAUS REPORTED A DELINQUENT MEDICAL BILL TO MY CREDIT REPORT DAMAGING MY CREDIT. THE ACCOUNT NAME XXXX XXXX XXXX REPORTED I OWED {$480.00}. I NEVER SIGNED ANY CONTRACT WITH THIS COMPANY XXXX XXXX XXXX NOR DO I OWE ANY MEDICAL BILLS. I'VE WRITTEN LETTERS TO ALL 3 CREDIT BUREAUS IN AN ATTEMPT TO VALIDATE THE ACCOUNT AND THEY HAVE ALL YET TO RESPOND TO MY REQUEST WITHIN 30 DAYS WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. THEY HAVE NOT EVEN CHANGED THE ACCOUNT STATUS TO BEING IN DISPUTE. GIVEN THAT ALL 3 CREDIT BUREAUS HAVE REPORTED THIS FALSE INFORMATION ON MY CREDIT, ESPECIALLY XXXX WHICH HAS RECENTLY BEEN UNDER FIRE FOR REPORTING FALSE INFORMATION TO SEVERAL CONSUMERS ON THEIR CREDIT REPORTS, THIS INFORMATION NEEDS TO BE REMOVED FROM MY CREDIT REPORT 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 2022-09-06 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
ON XX/XX/2022, XXXX, XXXX, AND EXPERIAN CREDIT BUREAUS REPORTED A DELINQUENT MEDICAL BILL TO MY CREDIT REPORT DAMAGING MY CREDIT. THE ACCOUNT NAME XXXX XXXX XXXX REPORTED I OWED {$480.00}. I NEVER SIGNED ANY CONTRACT WITH THIS COMPANY XXXX XXXX XXXX NOR DO I OWE ANY MEDICAL BILLS. I'VE WRITTEN LETTERS TO ALL 3 CREDIT BUREAUS IN AN ATTEMPT TO VALIDATE THE ACCOUNT AND THEY HAVE ALL YET TO RESPOND TO MY REQUEST WITHIN 30 DAYS WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. THEY HAVE NOT EVEN CHANGED THE ACCOUNT STATUS TO BEING IN DISPUTE. GIVEN THAT ALL 3 CREDIT BUREAUS HAVE REPORTED THIS FALSE INFORMATION ON MY CREDIT, ESPECIALLY XXXX WHICH HAS RECENTLY BEEN UNDER FIRE FOR REPORTING FALSE INFORMATION TO SEVERAL CONSUMERS ON THEIR CREDIT REPORTS, THIS INFORMATION NEEDS TO BE REMOVED FROM MY CREDIT REPORT 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 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
The following inquiries are erroneous and should not be on my credit/consumer report. : XXXX XXXX NA / XX/XX/XXXX ( inquiry date ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XX/XX/XXXX XXXX Card / XXXX XXXX, XXXX XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX XXXX, XXXX XXXX XXXX XXXX / XXXX XXXX, XXXX The following address needs to be removed as it is not mine. : XXXX XXXX XXXX XXXX XXXX, GA 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 2022-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I mailed my FTC identity theft report to Transunion via Certified mail they received my document on XX/XX/XXXX. In Pursuant to 15 USC 1681 c-2 ( a ) transition has 4 DAYS from the data of this notice to comply with my demands as set forth in the context listed in my FTC report XXXX I have called the specialist fraud department about my FTC report and they stated It takes 30 days for an investigation. They sent my completed investigation on XX/XX/XXXX which isn't a full 30 day for an investigation. Please be clear that no consent or authorization is IDENTITY THEFT! Transunions willful noncompliance has resulted in identity theft which I demand to Cease & Desist! Pursuant to 15 USC 1681 a ( 2 ) Congress makes it clear that a consumer report does not contain any transactions and or experiences to be updated in accordance with my written instructions. I have called and contacted the dispute and the fraud department. This will be my final time reaching out to have these items removed off of my credit report. I am ready to litigate if my rights continue to be denied by Transunion. I have the attached documents and my FTC report that they failed to correct on my consumer report. As a consumer I have the right to a 100 % accurate consumer report under the FCRA.

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 2022-09-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: MN

Complaint narrative:
I lost my job XX/XX/XXXX and requested assistance for loan forgiveness Net Credit - LOC Account # XXXX Due Date : XX/XX/XXXX chg to XX/XX/XXXX every other XXXX Customer Support : ( XXXX ) XXXX Loan Processing : ( XXXX ) XXXX Collections : ( XXXX ) XXXX NetCredit XXXX XXXX XXXX XXXX, TX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
TransUnion REFUSES to remove the name XXXX XXXX XXXX from my Credit report. This is NOT my name. I have submitted documentation to TransUnion showing that my true legal name is XXXX XXXX XXXX. I also use XXXX XXXX and XXXX XXXX XXXX, but have NEVER used the name XXXX XXXX XXXX. I want this removed from my Credit Report. Their failure to remove what they know is incorrect personal information is a gross abuse of me as a consumer. I mailed a hard copy of my Wisconsin Drivers License and my U.S. Passport, but they continue to use this name even though they are well-aware this is not my name.

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 2022-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Asset Recovery Solutions, LLC
State: FL

Complaint narrative:
XX/XX/2022 AMOUNT OF {$920.00}. I XXXX XXXX XXXX XXXX have disputed this with the Bureaus and got back a verified letter stating the information is accuarte. However that is inaccurate since my legal name is said above and the name attached to this account is not mine. I am disputing this for a second time stating the information is incorrect and according to the FCRA when an item is in accurate and can not be verified is must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX This letter is a formal complaint that this Company has reported inaccurate, unverified, unproven and untrue credit Information to the credit bureaus. Federal laws require furnisher 's of Information to report accurate credit Information to the Credit bureaus and in this case you have failed to do so. Every step must be taken to assure the Information reported is completely accurate, proven verified and correct. I have been disputing the below account for the last 8 Months, and never ever have I received any proof from Lending club regarding this alleged debt below : XXXX  XXXX XXXX Account number XXXX - UNVERIFIED, UNPROVEN, UNTRUE AND NOT MINE. 
THE ADDRESS ASSOCIATED WITH THIS ACCOUNT IS NOT MINE AND DOES NOT MATCH ANY PERSONAL ADDRESS INFORMATION ON ANY OF MY CREDIT REPORTS. 
This inaccurate Information must be deleted from my credit file immediately, please contact the credit agencies you have reported it to and remove this misleading information from my credit file, because I never received a copy of any contract from your Company bearing my personal signature, and because the Address you are reporting associated with this account does not match any of my personal addresses on my credit report. I reserve the right to sue your Company for violations of my Consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted. Kind regards, 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 2022-09-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
My credit card was declined at two different stores of the same company : XXXX XXXX, 2022. The amount was {$60.00}. I have been a customer of this company using this account for almost 55 years with no trouble. 

When I contacted the company they said they would verify my identity, but could not tell me how they would do it. They said they would send me something to help verify my identity, but would not tell me what they would send or how they would send it. 

The company has been billing me monthly for almost 60 years but the bills stopped coming after XX/XX/2022.

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 2022-09-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one says i Had an acct that had been written off this has been showing on my credit report but I have never opened an acct with capital one I never recieved or used their credit card I have. No credit cards and I dont want capital one or any other credit cards from. That company someone used my identity and I want to report this as fraud and take this off my credit report asap

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
I have a car loan from American Honda Finance wish they report to the 3 credit bureau I have miss a payment for the month off XXXX.I made my payments on time since we open the account.I mail the 3 credit bureau the documents I received from Honda off my payments.They still have me on my report with the false miss payment from XXXXMy credit went from high XXXX score to lower XXXX score I never miss or been late off payments in my credit history. I need you to look in my matter seriously and help me.I would hire a lawyer for this matter if you recommend me.I wont let this affect my excellent credit I have and kept. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/2022 I was using XXXX through Wells Fargo. I had sold an item on XXXX XXXX and I sent the buyer my information to transfer the amount of {$120.00}. I received an email stating that I needed to send the amount of {$400.00} to upgrade my account to a business account. I didn't question it because it looked like a legitimate email. I then received a second email supposedly from XXXX stating that I needed to deposit an additional {$600.00} because the amount I sent wasn't enough. I replied that I only had {$500.00} and they said it was fine. I would then be credited in the amount of {$1000.00}. I sent the money and they then asked for my banking login credentials so that they could send me the money by verifying me. I then realized that it was a scam and contacted my bank 's fraud department. I had to change my login credentials and my account was closed. I submitted all pertinent email correspondence to my bank showing the spoofed email address and buyer 's contact info. Wells Fargo responded that since I authorized the transfer that I would not get the {$900.00} refunded to my account. I find that this response is egregious and as a banking customer, my money should be protected from all scams, not just ones that I have erroneously sent money to a phishing scam. The whole reason I bank is that my money is secure and in the event of a scam, I should be able to recover any funds that were in sent in error.

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 2022-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Portfolio Recovery Associates opens multiple accounts keeping old accounts active in attempt to collect debt past the statute of limitations. Friday I received 1 call, Monday I received 1 call, Today, I received 2 calls from Portfolio Recovery even after they said that they ceased communications after there investigations due to my previous complaint of illegal activity within their business practices. But there is a portfolio recovery agent on the other end of each call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  account # XXXX has violated my rights 15 U.S.C. Section 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 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 2022-09-06 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
PORTFOLIO RECOVERY SERVICES is in direct violation of my Consumer Rights. 

They are reporting inaccurate information to my consumer report. 

See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
My student loans are affecting my Credit score on two credit reporting websites including XXXX and Transunion. On XXXX XXXX I was pre approved for a credit card by XXXX XXXX and denied due to my scores reflecting my school student loans that should be removed

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 2022-09-06 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: Credit Karma, LLC
State: WI

Complaint narrative:
My student loans are affecting my Credit score on two credit reporting websites including XXXX and XXXX. On credit karma I was pre approved for a credit card by XXXX XXXXXXXX and denied due to my scores reflecting my school student loans that should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: EQUIFAX, INC.
State: WI

Complaint narrative:
My student loans are affecting my Credit score on two credit reporting websites including Equifax and XXXX. On XXXX XXXX I was pre approved for a credit card by XXXX XXXXXXXX and denied due to my scores reflecting my school student loans that should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: PA

Complaint narrative:
I have an account in collections for Genesis Credit Management. Apparently it's another apartment application fee of {$100.00}. My credit score went down over XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I have been sent numerous emails from credit karma saying I am pre-approved for a credit card but when I apply I am denied and there are hard inquiries from the credit check

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have a student loan with Navient and I have a cosigner. I was put on a payment reduction plan since XXXX to qualify for a lower payment. I was notified by my cosigner that she has been receiving calls regarding the account being past due not informed that there was a payment program in place. I was not told at the beginning of the program that collection practices would still be in effect. I find it suspicious that she was not told of the program-if she is equally responsible, she should be equally aware of what's happening to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Old addresses are still on my credit report. I have not given written permission to publish and information on my credit report. These old addresses are causing my mail to be sent to incorrect addresses and I am receiving mail for other people for these addresses. They need to be removed from my credit file now. 
I have rights, I am a consumer and have not given written permission for this information to be published.

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 2022-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
on XX/XX/XXXX an account was opened in my name without my permission with XXXX XXXX XXXX XXXX, i never applied for this account and never used this account. it was opened fraudulently. i called the company and they said its in there system so i had to pay. account number XXXX the amount {$6900.00} on XX/XX/XXXX an account was opened in my name without my permission, with XXXX XXXX, i never applied for this account and never used this account, they were supposed to investigate the fraud and they still placed it on my credit anyway the account number is XXXX in the amount of {$340.00} on XX/XX/XXXX an account was opened in my name without my permission, with XXXX XXXX. i never applied for this account and, never used this account, i called them and they were supposed to investigate and remove it from my credit and they never did.. the account number is XXXX the amount was {$6400.00} on XX/XX/XXXX an account was opened in my name with XXXX XXXX i never applied for this account and, i never used this account. i spoke with them and they said that its in there system and that, im responsible for it and there was nothing that they could do, they advised me to file a complaint

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 2022-09-06 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: UMPQUA HOLDINGS CORPORATION
State: GA

Complaint narrative:
FINANCIAL PACIFIC LEASING / XXXX XXXX are in direct violation of my Consumer Rights. 

FCRA prohibits any person ( individual or entity ) from reporting inaccurate, incomplete, and unverifed information to my Consumer Report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( Please see attached )

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