vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 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: IL

Complaint narrative:
I always ensure my payments are made on time, of which I am certain. However, I am unsure why this company is reporting me as late in certain months, which should not happen. According to USC 1666b, any billing errors should be corrected, otherwise, they will owe me {$1000.00} for each account reporting inaccurately.

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 2024-04-23 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: FL

Complaint narrative:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXXXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I checked the mailbox and noticed I received a letter in the mail from Midland Credit Management. This company wrote me stating they bought my account and I owed them {$720.00}. I spoke to a live agent on the company website and let the individual know I never opened an account with XXXX XXXXXXXX and I absolutely didnt receive a card from XXXX XXXXXXXX. The agent then stated that there were statements available, I looked at the statement which had about XXXX transactions I didnt make, the transaction dates from XXXX. I requested that there be an investigation. The agent stated that they would, but I didnt get any confirmation about that. I checked my XXXX account and there is no balance. Thus, I would like to report this company for fraud and predatory practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act these accounts below has violated my rights. 

Account Name : XXXX XXXX XXXX, XXXX Account Number Ending : XXXX Account Name : XXXX XXXX XXXX, XXXX Account Number Ending : XXXX Account Name XXXX XXXX XXXX XXXX Account Number Ending : XXXX Account Name : Dept of EdXXXX  Account Number Ending : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Number Ending : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number Ending : XXXX Account Name : XXXX XXXXXXXX Account Number Ending : XXXX Account Name : XXXXXXXX XXXX Account Number Ending : XXXX Account Name : XXXX XXXX XXXX Account XXXX Ending : XXXX Account Name XXXX XXXX XXXX XXXX Account Number Ending : XXXX Account Name XXXX XXXX XXXX  Account Number Ending : XXXX Account Name : Dept of XXXX XXXX Account Number Ending : XXXX Account Name : Dept of XXXX XXXX Account Number Ending XXXX XXXX Account Name : XXXX XXXX XXXX Account Number Ending : XXXX Account Name : Dept of EdXXXX Account Number Ending : XXXX Account Name XXXX Dept of EdXXXX  Account Number Ending : XXXX Account Name : Dept of EdXXXX  Account Number Ending : XXXX Account Name : Dept of Ed/XXXX  Account Number Ending : XXXX Account Name : Dept of EdXXXX  Account Number Ending : XXXX Account Name : Dept of EdXXXX Account Number Ending : XXXX Account Name : Dept of Ed/XXXX Account Number Ending : XXXX Account XXXX : Dept of Ed/XXXX Account Number Ending : XXXX Account Name : XXXX of EdXXXX  Account Number Ending : XXXX Account Name XXXX XXXX Account Number Ending : XXXX Account Name : XXXX XXXX Account Number Ending : XXXX Account Name : XXXX XXXX Account Number Ending XXXX XXXX Account Name : XXXX Bank Account Number Ending : XXXX 15 USC 1681 Section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2, also states a consumer report agency can not furnish an account without my written instructions.

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 2024-04-23 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act these accounts below has violated my rights. 

Account Name : XXXX XXXX XXXX, XXXX Account Number Ending : XXXX Account Name : XXXX XXXX XXXX, XXXX Account Number Ending : XXXX Account Name : XXXX XXXX XXXX Account Number Ending : XXXX Account Name : Dept of Ed/XXXX Account Number Ending : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Number Ending : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number Ending : XXXX Account Name : XXXX XXXX Account Number Ending : XXXX Account Name : XXXXXXXX XXXX Account Number Ending : XXXX Account Name : XXXX XXXX XXXX Account Number Ending : XXXX Account Name : XXXX XXXX XXXX Account Number Ending : XXXX Account Name : XXXX XXXX  Account Number Ending : XXXX Account Name : Dept of EdXXXX XXXX Account Number Ending : XXXX Account Name : Dept of EdXXXX XXXX Account Number Ending XXXX XXXX Account Name : XXXX XXXX XXXX  Account Number Ending : XXXX Account Name : Dept of EdXXXX Account Number Ending : XXXX Account Name XXXX Dept of EdXXXX  Account Number Ending : XXXX Account Name : Dept of Ed/XXXX  Account Number Ending : XXXX Account Name : Dept of Ed/XXXX Account Number Ending : XXXX Account Name : Dept of Ed/XXXX Account Number Ending : XXXX Account Name : Dept of Ed/XXXX Account Number Ending : XXXX Account Name : Dept of Ed/XXXX Account Number Ending : XXXX Account Name : Dept of EdXXXX Account Number Ending : XXXX Account Name : Dept of Ed/XXXXt Account Number Ending : XXXX Account Name : XXXX Account Number Ending : XXXX Account Name : XXXX XXXX Account Number Ending : XXXX Account Name : XXXX XXXXXXXX Account Number Ending XXXX XXXX Account Name : XXXX Bank Account Number Ending : XXXX 15 USC 1681 Section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2, also states a consumer report agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: Cascade CISS Holdings, LLC
State: TX

Complaint narrative:
Xactus LLC XX/XX/2022 and XX/XX/2022 XXXX Credit inquiries that I did not request

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: FL

Complaint narrative:
Dear I am writing to dispute the credit collection account that has been listed on my credit report. After thoroughly reviewing my credit report, I have found that the account in question does not belong to me. I have never entered into any agreement with Creditors, nor have I ever received any services or goods from them. This account is not mine and I am not responsible for the debt. I kindly request that you immediately remove this account from my credit report and cease all collection activities. I would appreciate it if you could provide written confirmation that this account has been removed and marked as " not mine ''. Thank you for your prompt attention to this matter.

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 2024-04-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear I am writing to dispute the credit collection account that has been listed on my credit report. After thoroughly reviewing my credit report, I have found that the account in question does not belong to me. I have never entered into any agreement with Creditors, nor have I ever received any services or goods from them. This account is not mine and I am not responsible for the debt. I kindly request that you immediately remove this account from my credit report and cease all collection activities. I would appreciate it if you could provide written confirmation that this account has been removed and marked as " not mine ''. Thank you for your prompt attention to this matter.

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 2024-04-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to address some inconsistencies that I have identified in my personal credit report. These inaccuracies are having a significant impact on my financial standing, particularly in relation to my ability to own a home. While I understand that errors can occur, I have researched the dispute process and am aware of the required investigation time-frame of thirty days. The other bureaus have already removed these accounts from their records, following the submission of my FTC report citing the identification of an error. I am puzzled as to how these accounts were verified by your bureau while other bureaus have successfully removed them. Therefore, I request the immediate deletion of these accounts from my file as they are inaccurate, erroneous, incomplete, or unverifiable. 


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 explanation
Consumer complaint received 2024-04-23 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: NY

Complaint narrative:
I am writing to address some inconsistencies that I have identified in my personal credit report. These inaccuracies are having a significant impact on my financial standing, particularly in relation to my ability to own a home. While I understand that errors can occur, I have researched the dispute process and am aware of the required investigation time-frame of thirty days. The other bureaus have already removed these accounts from their records, following the submission of my FTC report citing the identification of an error. I am puzzled as to how these accounts were verified by your bureau while other bureaus have successfully removed them. Therefore, I request the immediate deletion of these accounts from my file as they are inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-23 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: FL

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
Company is on my credit report as collections for charges of {$99.00}. I have never stayed at the address on file nor have agreement or lease contract with apartments complex. I have requested that this inaccuracy be removed from my credit. But still this company has not rectify this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CA

Complaint narrative:
I am part of a program in which the National Institutes of Health provides payments on my behalf as long as I perform research sponsored by the NIH. EdFinancial manages my student loans, having taken over my loans ( not at my request ) from XXXX. Since transfer, EdFinancial has been unable to perform the basics of loan servicing, including displaying my loan balance and recording payments. Every payment made by the NIH is not recorded ( despite the check being cashed ) until I call and request the payment be reflected on the account. Most recently, a payment made by the NIH ( from the US Treasury ) on XX/XX/2024 has yet to be posted or credited to my account ( currently XX/XX/2024 ), despite my providing a copy of the cashed check by the US Treasury. I have called at least a dozen times without resolution. Failure to provide proof of payment jeopardizes my participation in the NIH program, and currently the next quarterly payment is delayed because I can not provide the NIH proof of prior payment. Interest continues to inappropriately accrue on a balance not reflective of the amount owed. In sum, they have cashed the checks, but not reduced the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In Accordance with the Fair Credit Reporting Act this creditor XXXX XXXX XXXX XXXX XXXX has violated my rights under 15 USC 1681 section 6 0 2 states I have the right to privacy 15 USC 1681 section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
There is a closed case Transaction ID XXXX which was reported incorrectly. I have sent several emails to PayPal 's executive and fraud departments. I mistakenly entered a complaint, and it was done under ( good and services ). PayPal doesn't offer many options to send complaints or disputes. The money sent to the recipient is frozen, on hold and the recipient is unable to receive the funds, return them to me or do whatever needs to be done. I don't know if perhaps I will need to file a complaint with the court about this matter and request a judge order this money sent back to me ( the sender or order it released. The case is closed so they should not be holding onto my ( the customer 's money ). I am a bit suspicious of this since they closed the case. I would like for you to inquire and investigate the matter prior to me taking further perhaps legal action to get the funds back released to either me or the recipient ( the intended parties ). The tranaction was done for/as family and friends and not good and services

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: IN

Complaint narrative:
I had money tooken out of my XXXX XXXX  money account on XXXX XXXX a total of XXXX transactions XXXX XXXX XXXX XXXX XXXX cash app suppose to had refunded my money to my account but XXXX XXXX is stating it never was sent then XXXX XXXX it stating that the money never came from XXXX account on their end but paperwork clearly shows the money being tooken out also they refused to help me by showing me anything after these transactions were removed I also have enclosed proof and highlighted the information I am referring too as well also cash app was the last company to have procession of my money but wont give me any information as to where the money is

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: FL

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft and the companies reporting to my consumer report are reporting negative accounts and collections that I didnt authorize.

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