vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-11 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: NV

Complaint narrative:
All three credit bureaus are reporting bankruptcy on my credit report they have put the data furniture as being the US BKPT CT IL XXXX which is false I have attached a letter from the US bankruptcy court of the XXXX XXXX of ILLINOIS verifying and stating that they do not furnish information or verify to the credit bureaus or any credit monitoring services nor do they verify or validate any information concerning bankruptcies Transunion, XXXX, and XXXX are falsely stating this information in my credit report and have yet to remove it from their credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
It's a point of pride for me that I consistently pay my bills on time. Yet, it's concerning that this company sometimes marks me as late in certain months, which is inconsistent with my record. USC 1666b mandates that any billing discrepancies should be promptly corrected and updated to show payment as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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: VA

Complaint narrative:
The FCRA 605B stipulates the eradication of any misrepresented accounts from my credit report. These accounts exhibit inaccuracies in their reporting. Compensation of {$1000.00} per inaccurate entry in my credit file is warranted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IN

Complaint narrative:
I ensure that my payments are always made on time. However, I find it perplexing that this company occasionally reports me as late in certain months, which is not accurate. As per USC 1666b, any billing errors should be rectified promptly and reflected as paid as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

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 explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: VA

Complaint narrative:
I ensure that my payments are always made on time. However, I find it perplexing that this company occasionally reports me as late in certain months, which is not accurate. As per USC 1666b, any billing errors should be rectified promptly and reflected as paid as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
The following account does not belong to me Radius Reference XXXX  : XXXX XXXX XXXX XXXX XXXX  : XXXX {$670.00}

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 2024-05-11 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: NV

Complaint narrative:
All three credit bureaus are reporting bankruptcy on my credit report they have put the data furniture as being the US BKPT CT IL XXXX which is false I have attached a letter from the US bankruptcy court of the XXXX XXXX XXXX ILLINOIS verifying and stating that they do not furnish information or verify to the credit bureaus or any credit monitoring services nor do they verify or validate any information concerning bankruptcies XXXX, XXXX, and Equifax are falsely stating this information in my credit report and have yet to remove it from their credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: NV

Complaint narrative:
All three credit bureaus are reporting bankruptcy on my credit report they have put the data furniture as being the US BKPT CT IL XXXX which is false I have attached a letter from the US bankruptcy court of the XXXX XXXX XXXX ILLINOIS verifying and stating that they do not furnish information or verify to the credit bureaus or any credit monitoring services nor do they verify or validate any information concerning bankruptcies XXXX, Experian, and XXXX are falsely stating this information in my credit report and have yet to remove it from their credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
This is XXXX XXXX I setup my account XXXX XXXX Today was the first time I tried to use my account a agent help me setup my account.And she said it was good I thought it was me hit close when login out but it wasn't me. I called back and another waited on me and she said my XXXX was removed and when I tap my app my account was already login and the app close, so that agent asked me to create another account and I did so I went and made groceries and couldn't pay for it I login with phone screen lock there was a finger print login and face I'd login and the agent ask me for my digital card and put me on hold for about 3 minutes and now no groceries and everything is gone off of the card

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: ProCollect, Inc.
State: MS

Complaint narrative:
XXXX The above account is being reported on credit report illegally by PROCOLLECT , INC . This account is shown as a collection/charge off on my report. A charge off is considered a certificate of indebtedness, which means it is income and income can not be reported on a consumers credit report. Therefore i demand that it be deleted 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 explanation
Consumer complaint received 2024-05-11 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: FL

Complaint narrative:
recently i locked at a copy of my credit report and noticed several inccuracios on my account. this Account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. 
here is the item a am asking you to verify as accurate. 
XXXX XXXX account # XXXX in experian credit

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 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Acct XXXX XXXX XXXX XXXX I notified Experian on XX/XX/year> there are errors on my credit report. the errors have not been corrected. Based on 15 USC 1681 EB, the information on my credit report must be 100 % accurate ( see attachments ). My Experian report state that the account status is paid, XXXX state paid, XXXX state derogatory.

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 2024-05-11 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I called the fraud investigation team at Wells Fargo on XX/XX/24 at XXXX XXXX  ( MST ) to describe in vivid detail how I was conned out of all the above funds by a homeless vagrant, an animal shelter, and an apartment complex. After a fifty minute conversation, the agent said she was told that nothing could be done because they were debit card transactions authorized by me even under duress and witnesses. She transferred me to the escalation team who repeated the same thing.

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 2024-05-11 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Subject : Dispute of Derogatory Accounts Due to Identity Theft Dear Sir/Madam, I am writing to dispute the derogatory accounts on my credit report, which are a result of identity theft. The accounts in question are with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX. These accounts were opened fraudulently without my knowledge or authorization. 

I first discovered these accounts when reviewing my credit report and noticed unfamiliar and unauthorized charges associated with them. Upon further investigation, I found that my personal information had been compromised and used to open these accounts without my consent. 

I have taken the necessary steps to report this identity theft to the proper authorities, including filing a police report and notifying the Federal Trade Commission. I have also contacted the creditors directly to dispute the charges and have provided them with the required documentation to support my claim of fraud. 

I respectfully request that these derogatory accounts be removed from my credit report as they are a result of identity theft and not a reflection of my credit history or financial responsibility. I have attached copies of the police report, FTC identity theft affidavit, and any other relevant documentation to support my claim. 

I understand the importance of accurate and fair credit reporting, and I request your assistance in resolving this matter promptly. Please investigate these disputes and provide me with a written response detailing the actions taken to address this issue. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the removal of the derogatory accounts from my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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: MS

Complaint narrative:
Fraudulent accounts and inquiry on my credit report Fraudulent accounts XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Fraudulent inquiry XXXX XXXX  XX/XX/2024

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 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: CO

Complaint narrative:
In XXXX I was approved for a secured credit card with Discover, I sent {$200.00} and was told that after six billing cycles, if all my payments were on time with every credit card I have that I would get my deposit back and get an unsecured card. 

I did that and they refused. I was told my account would be " reviewed '' every month instead. 

I don't want a " review '', I want my {$200.00} back and an unsecured card like they promised. I've made every payment on time and all my payments on all my cards are current.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted XXXX XXXX since XX/XX/year> when I discovered an account in my name with their company and at the time of incident XXXX XXXX XXXX XXXX XXXX XXXX. I sent letter on XX/XX/year> after contacting them and disputed all claims The items was removed from my credit report XXXX XXXX XXXX on all credit bureaus and now has been reinserted and I have not received no letter from them indicating why this happened. Ive sent email numerous of times and they keep reinserting and it's no way this info should be verified when all supporting documents I gave does not support this account on my credit. the news article and my XXXX XXXX is included in attachments 15 U.S.C. 1681, ET SEQ. 
FAIR CREDIT REPORTING ACT ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
and email numerous of times and they keep reinserting and its no way this info should be verified when all supporting documents I gave does not support this account on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have contacted XXXX XXXX since XX/XX/year> when I discovered an account in my name with their company and at the time of incident I was XXXX XXXX XXXX XXXX. I sent letter on XX/XX/year> after contacting them and disputed all claims The items was removed from my credit report XXXX XXXX XXXX on all credit bureaus and now has been reinserted and I have not received no letter from them indicating why this happened. Ive sent email numerous of times and they keep reinserting and it's no way this info should be verified when all supporting documents I gave does not support this account on my credit. the news article and my XXXX  XXXX  is included in attachments 15 U.S.C. 1681, ET SEQ. 
FAIR CREDIT REPORTING ACT ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
and email numerous of times and they keep reinserting and its no way this info should be verified when all supporting documents I gave does not support this account on my credit.

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 2024-05-11 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: I.C. System, Inc.
State: MS

Complaint narrative:
XXXX This account is shown as a collection/charge off on my report. A charge off is considered a certificate of indebtedness, which means it is income and income can not be reported on a consumers credit report. Therefore i demand that it be deleted 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 explanation
Consumer complaint received 2024-05-11 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: PA

Complaint narrative:
XXXX, Equifax, and XXXX are reporting my consumer reports improperly as they CAN NOT continue to report an account as " charge off '' each month AFTER the account had been close. The consumer report should state the account is closed and each month after it must be reported as " no data ''. However because they are reporting it as charged off each month, which is inaccurate, it is hurting my ability to get an extension of credit. I demand that they delete this inaccurate information from my consumer report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
According to FCRA 605B, we must eliminate any erroneous accounts from my credit report. These accounts are inaccurately reported. Compensation of {$1000.00} is due for each incorrect entry on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: VA

Complaint narrative:
I ensure that my payments are always made on time. However, I find it perplexing that this company occasionally reports me as late in certain months, which is not accurate. As per USC 1666b, any billing errors should be rectified promptly and reflected as paid as agreed.

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 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: VA

Complaint narrative:
I ensure that my payments are always made on time. However, I find it perplexing that this company occasionally reports me as late in certain months, which is not accurate. As per USC 1666b, any billing errors should be rectified promptly and reflected as paid as agreed.

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