vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-07 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: NY

Complaint narrative:
Based on the provided credit report information from TransUnion, XXXX, and XXXX for the XXXX XXXX Bank account, here are the inconsistencies and inaccuracies in the data between each credit bureau Account Type - Detail : TransUnion and XXXX report " Revolving account, '' while XXXX reports " Credit Card '' as the account type detail. This is an inconsistency in the account type detail. 
Bureau Code : TransUnion and XXXX report " Individual account, '' while XXXX reports " Individual Account '' as the bureau code. This inconsistency is minor but still exists. 
Monthly Payment : TransUnion reports a monthly payment of " {$0.00}, '' while XXXX and XXXX do not provide this information. The inconsistency is that TransUnion has a specific monthly payment amount, while the other XXXX bureaus do not report any monthly payment. 
No. of Months ( terms ) : XXXX reports " Revolving '' under this field, while TransUnion and XXXX do not provide any information. This inconsistency is that XXXX specifies the term as " Revolving, '' while the others do not have this data. 
High Credit : TransUnion reports a " High Credit '' of " {$640.00}, '' while XXXX and XXXX do not provide this information. The inconsistency is that TransUnion reports a specific high credit amount, while the other two bureaus do not report it. 
Payment Status : TransUnion reports " Charged off as bad debt, '' XXXX reports " Charge-off, '' and XXXX reports XXXX CO '' ( which also signifies a charge-off ). While they all indicate a charge-off, the wording and abbreviation used are different. 
Last Reported : TransUnion reports the last reported date as " XX/XX/2023, '' XXXX as " XX/XX/2023, '' and XXXX as " XX/XX/2023. '' There is a discrepancy in the last reported date among the three credit bureaus. 
Date Last Active : TransUnion and XXXX report " XX/XX/2023, '' while XXXX reports " XX/XX/2023 '' as the date last active. This is a significant discrepancy in the reported date last active. 
Two-Year Payment History : TransUnion, XXXX, and XXXX provide different information about the payment history for the past two years. Each bureau has its own set of months and year-specific data. This inconsistency is due to differences in how each bureau reports this history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07 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:
Please see the attached documents to understand what had happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07 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: NY

Complaint narrative:
Based on the provided account information from the credit report for XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ), here are the inconsistencies and incomplete information among the three major credit bureaus ( TransUnion, XXXX, and XXXX ) : Account Number : TransUnion, XXXX, and XXXX all report a partial account number as " XXXX. '' Account Type : TransUnion reports it as an " Open account. " XXXX reports it as an " INSTALLMENT '' account. 
XXXX reports it as an " Open Account. '' Account Type - Detail : TransUnion reports " Open account. " XXXX reports " Debt Buyer.  '' XXXX reports " Open Account. '' Bureau Code : TransUnion and XXXX report " Individual account '' as the bureau code. XXXX reports " Individual Account '' as the bureau code. 
Account Status : TransUnion and XXXX report " NotsatisfyingF20_TRADE '' as the account status. 
XXXX reports " OK '' as the account status. 
Monthly Payment : None of the bureaus report a monthly payment for this account. 
Date Opened : TransUnion, XXXX, and XXXX all report a date opened of " XX/XX/. '' Balance : TransUnion, XXXX, and XXXX all report a balance of " {$770.00}. '' No. of Months ( terms ) : XXXX reports " 1 Month '' as the term for this account. 
TransUnion and XXXX do not provide a term for this account. 
High Credit : TransUnion, XXXX, and XXXX all report a high credit of " {$770.00}. '' Credit Limit : None of the bureaus report a credit limit for this account. 
Past Due : None of the bureaus report past due information for this account. 
Payment Status : XXXX reports " Seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department '' as the payment status. 
TransUnion and XXXX do not provide a payment status for this account. 
Last Reported : TransUnion, XXXX, and XXXX all report a " Last Reported '' date of " XX/XX/. '' Comments : There are comments indicating that the account is placed for collection. XXXX also includes a note about consumer disputes and reinvestigation in progress. XXXX does not provide comments. 
Date Last Active : TransUnion and XXXX report a " Date Last Active '' of " XX/XX/. " XXXX reports a " Date Last Active '' of " XX/XX/. '' Date of Last Payment : None of the bureaus report a date of the last payment for this account. 
Two-Year Payment History : XXXX reports " CO '' ( charge-off ) for the month of XX/XX/, while XXXX reports " OK '' for all months. TransUnion does not provide a payment history for this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/26, a bill payment check was deducted from my account for a check for {$1300.00} to XXXX XXXX to cover rent for an apartment. The check was mailed by Chase through the postal service. This is a routine payment that was mailed each month and was endorsed the same by the landlord each month. 

This check was apparently stolen while under the control of the United States Postal Service and it was fraudulently submitted into a XXXX XXXX account. XXXX XXXX fraudulently allowed the check to be deposited into this unknown account, and CHASE BANK fraudulently honored the check. 

I filed a fraud complaint with CHASE BANK and they put the money back into my account and told me they would conduct an investigation. I believed this matter to be settled. 

However, CHASE BANK recently sent me a letter stating that they had not heard back from XXXX XXXX and if they did not hear back within a very short timeframe, they would deduct the funds from my account again. 

How am I responsible for the fraudulent actions of multiple third parties, including CHASE and XXXX XXXX who did not exercise the proper controls in doing their business? Why am I to lose {$1300.00} because these banks have degraded their response times and service to an almost unrecognizable state? The CHASE fraud department is riddled with mistakes : they initially opened XXXX fraud investigations and gave me double the money back before realizing their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account that I have with this bank was a pay to delete account that i requested and also upheld my end of the arrangement by paying off in full over XXXX years ago in counting. Not only did the bank update the account as paid and closed they DID NOT remove this account off NONE of my three credit profiles with TransUnion, XXXX and XXXX and this account was also charged off meaning they were made twice for this account, once by me and the other by IRS. I also never received my 1099 in the mail for this debt that has been paid twice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 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: FL

Complaint narrative:
This account that I have with this bank was a pay to delete account that i requested and also upheld my end of the arrangement by paying off in full over two years ago in counting. Not only did the bank update the account as paid and closed they DID NOT remove this account off NONE of my three credit profiles with XXXX, XXXX and Equifax and this account was also charged off meaning they were made twice for this account, once by me and the other by IRS. I also never received my 1099 in the mail for this debt that has been paid twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account that I have with this bank was a pay to delete account that i requested and also upheld my end of the arrangement by paying off in full over two years ago in counting. Not only did the bank update the account as paid and closed they DID NOT remove this account off NONE of my three credit profiles with XXXX, Experian and XXXX and this account was also charged off meaning they were made twice for this account, once by me and the other by IRS. I also never received my 1099 in the mail for this debt that has been paid twice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
they contact me once a week and constantly harass me after i explain to them it was fraud i was incarcerated during the time period

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 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: NY

Complaint narrative:
Based on the provided account information from the credit report for XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ), here are the inconsistencies and incomplete information among the three major credit bureaus ( XXXX, Experian, and XXXX ) : Account Number : XXXX and Experian report the account number as " XXXX. '' XXXX does not provide an account number for this account. 
Account XXXX : XXXX reports it as an " Open account. " Experian reports it as an " INSTALLMENT '' account. 
XXXX does not provide an account type for this account. 
Account Type - Detail : XXXX reports " Open account. " Experian reports " Debt Buyer. '' XXXX does not provide an account type detail for this account. 
Bureau Code : XXXX and Experian report " Individual account '' as the bureau code. 
XXXX does not provide a bureau code for this account. 
Account Status : Experian reports " XXXX '' as the account status. 
XXXX and XXXX do not provide an account status for this account. 
Monthly Payment : None of the bureaus report a monthly payment for this account. 
Date Opened : XXXX and Experian report a date opened of " XX/XX/XXXX. " XXXX does not provide a date opened for this account. 
Balance : XXXX and Experian report a balance of " {$370.00}. " XXXX does not provide a balance for this account. 
No. of Months ( terms ) : Experian reports " 1 Month '' as the term for this account. XXXX and XXXX do not provide a term for this account. 
High Credit : XXXX and Experian report a high credit of " {$580.00}. " XXXX does not provide a high credit for this account. 
Credit Limit : None of the bureaus report a credit limit for this account.

Past Due : None of the bureaus report past due information for this account.

Payment Status : Experian reports " Seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department '' as the payment status. 
XXXX and XXXX do not provide a payment status for this account. 
Last Reported : XXXX and Experian report a " Last Reported '' date of " XX/XX/XXXX. " XXXX does not provide a " Last Reported '' date for this account. 
Comments : There are comments indicating a dispute, and the consumer disagrees with the information. This information is consistent among the three bureaus. 
Date Last Active : XXXX and Experian report a " Date Last Active '' of " XX/XX/XXXX. " XXXX does not provide a " Date Last Active '' for this account. 
Date of Last Payment : None of the bureaus report a date of the last payment for this account. 
Two-Year Payment History : Experian reports " CO '' ( charge-off ) for most months in the two-year payment history, but there is no payment history data reported by XXXX and XXXX for this account 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 2023-10-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc.
State: VA

Complaint narrative:
I never did business with EOS CCA XXXX XXXX XXXX XXXX XXXX ). The original creditor was XXXX. EOS CCA reported this debt to all 3 credit agencies and has been my credit report since XX/XX/2020 with account # XXXX. I tried to dispute this debt with all three credit agencies XXXX, XXXX, and XXXX but was just a waste of time and this debt is still affecting my credit score currently. I tried contacting EOS CCA directly but they do not have a number listed anywhere.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 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: FL

Complaint narrative:
On XX/XX/XXXXXXXX  I wrote a letter to Transunion stating that I had been a victim of identity theft and there tradelines and inquiries on my consumer report that I didn't authorize. 

On XX/XX/XXXXXXXX  they sent me a letter stating that my request that my request to block and delete the unauthorized accounts & inquiries due to the following reasons : In accordance with Section 605B of the FCRA, we have determined that your request has either a ) been made in error ; b ) is a misrepresentation of material fact relevantt o the request toblock and/or c ) you have obtained possession of goods, services or money as a result of thetransaction issue. 


My request to block and delete those unauthorized accounts & inquiries was not made in error. The request was written by me and it wasn't done in error nor was it a material representation. Nor did I obtain goods, services or money as a result of the transaction issue. 

If I did received goods, services or money as a result of this transaction issue please have a senior executive or someone with who has first hand knowledge of this transaction issue to certify under the penalty of perjury that I have in fact receive goods, services or money from this transactions. 

If you can not then it is hearsay and allegation with no substantial proof. 

Also pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ) my consumer report is not supposed to include any transactions between the consumer and the creditor furnishing the report. And also pursuant to 15 USC 1681a ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; IS NOT SUPPOSED TO BE INCLUDED IN A CONSUMER REPORT! You are commiting fraud and breaking Federal LAW! NOR DID I GIVE YOU A PERMISSIBLE PURPOSE TO FURNISH A CONSUMER REPORT FOR ME. THAT IS FRAUD! 

The following unauthorized accounts have been identified on my credit report : 1. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IF WE CAN NOT COME TO A REASONABLE EQUITABLE SOLUTION TO I, THE CONSUMER THEN I WILL BE FORCED TO TAKE LEGAL ACTIONS AGAINST THIS COMPANY WHICH WILL WOULD BE UNDOUBTEDLY UNADVANTAGEOUS FOR BOTH PARTIES GIVEN THE POTENTIAL COST FOR LEGAL PROCEEDINGS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07 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: MS

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to REMOVE the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to REMOVE any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the inquiries which were being posted to my reports. Here is the list of inquiries which do not belong to me or were opened without my permission : EXPERIAN : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES must block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: GA

Complaint narrative:
They were charging me unnecessary fees and once I paid my car note on time they would still cut my car off to obtain more money this is in reference to a XXXX  XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 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: NY

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX Balance : {$320.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance {$130.00} ; XXXX XXXXXXXX Balance : {$0.00}.

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 2023-10-07 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: CA

Complaint narrative:
I am writing to file a formal complaint against XXXX, XXXX, and TransUnion for their unlawful reporting of a late payment auto loan account on my credit report. 

( XXXX XXXX XXXXXXXX ) This unauthorized reporting has been ongoing despite multiple attempts to address the issue through certified mail, which has been met with no resolution. I firmly believe that their actions violate the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. 

Under 15 USC 1681b ( permissible purposes of consumer reports ), it is explicitly stated that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. I have not provided written instructions or consent to these agencies to report the aforementioned auto loan account on my consumer report, yet they continue to disregard my correspondence and persist in reporting the account.

Furthermore, 15 USC 1681a ( 2 ) ( a ) ( i ) ( 2 ) EXCLUSIONS from the definition of a " consumer report '' any report that contains information solely as to transactions or experiences between the consumer and the person making the report. This auto loan account falls under this exclusion and should be excluded from my consumer report. The continued reporting of this account is therefore not only unauthorized but also illegal. 

I wish to emphasize that I am prepared to seek damages for each violation, including : Defamation of Character : The inaccurate reporting of this late payment negatively impacts my creditworthiness and has the potential to harm my reputation. 

Enablement of Identity Theft : Unauthorized reporting can expose personal information and increase the risk of identity theft. 

Violation of the FCRA : XXXX, XXXX, and TransUnion are in violation of the FCRA by reporting this account without my written consent. 

Violation of the Fair Debt Collection Practices : The reporting of this account without proper authorization violates fair debt collection practices. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter promptly and take necessary action against XXXX, XXXX, and TransUnion for their unlawful actions. I also seek assistance in ensuring the immediate removal of this erroneous account from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.

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