vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-17 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: TX

Complaint narrative:
I requested bureaus Experian, XXXX, and XXXX to reinvestigate accounts : Account name : XXXX XXXX XXXX XXXX ( XXXX ). Their results determined everything was complete and accurate. However, I am finding the reporting accuracy across the 3 bureaus is not correct. According to 15 USC 1681i ( 5 ), the bureaus are required to modify accounts that aren't reporting correctly. 

I am requesting proof of investigative efforts for this account. If proof can not be provided, I am requesting this account be deleted from my credit report due to inaccuracies.

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 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion is not allowing me to view my credit report or credit score online. Only having the option to receive a report through the mail is not aligned with the current regulations.

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 2024-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: NV

Complaint narrative:
On Wednesday, XX/XX/XXXX, I reached out to Discover Credit Card about expanding the dates for my 0 % APR - I was told by the representative they could not do it. I then mentioned that I wanted to discuss closing my account, and I agree to discuss it further. Then, the phone call ended. I never received a call back, voicemail, or email. The next thing I know I am logging into my account to start paying it off, and the account is closed. How is this even legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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:
XXXX and TransUnion reported false and fraudulent information on my credit reports. They are still continuing to report these negative accounts and inquiries. 

XXXX and TransUnion FAILED to inform me about the DATA BREACH and FALSE CREDIT reporting. 

XXXX and TransUnion FAILED to inform me of compensation and how to apply in hopes I wouldnt find out. 

XXXX and TransUnion have cost me thousands and thousands of dollars. Ive spent 1 year with letters and credit repair hours.

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 2024-03-17 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:
XXXX and XXXX reported false and fraudulent information on my credit reports. They are still continuing to report these negative accounts and inquiries. 

XXXX and XXXX FAILED to inform me about the DATA BREACH and FALSE CREDIT reporting. 

XXXX and XXXX FAILED to inform me of compensation and how to apply in hopes I wouldnt find out. 

XXXX and XXXX have cost me thousands and thousands of dollars. Ive spent 1 year with letters and credit repair hours.

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 2024-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
- On XX/XX/XXXX I became aware that my debit card was lost or stolen and notified USAA on that date via phone. USAA cancelled the debit card and reissued another ( which I have not activated to this date ). 
- On XX/XX/XXXX, I also noticed 8 fraudulent charges that I did not authorize or benefit from. I notified USAA in the same phone call and a fraud investigation ensued. These charges were based in XXXX. 8 charges were from 8 different merchants but 2 sets of three were identical down to the cent. {$1600.00} ( 3 times ) {$1600.00} ( 3 times ). 
- I was not in the country of XXXX at the time, have cell phone records, card present charges in the US during the time frame and a professional photo taken to establish credibility. 

- USAA started to investigate but on XX/XX/XXXX determined that the charges were not fraudulent. I requested 2x any evidence that the company could provide ( as they mentioned that was my right ) to make their determination. 
- USAA on XXXX provided mere correspondance but no evidence. 
- On XXXX, a representative escalated my claim and verbally told me the 8 charges were card present charges which imply I would have to be in XXXX to make the charges. 
- No other member of my household has access to that account. My wife had a baby on XX/XX/XXXX so she couldn't travel and my eldest child is XXXX XXXX XXXX USAA has a zero liability fraud protection program ( https : //www.usaa.com/inet/wc/advice-finances-debit-card-fraud? akredirect=true )

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BSI Financial Holdings, Inc.
State: FL

Complaint narrative:
I have submitted my bank statement and proof from direct deposit company that I have paid as agreed but they kept saying that my payments were late. I then switched from XXXX XXXX to BSI for direct deposit and all of sudden my payments were on time although they are being cleared during the same time frame. Once I received my XXXX from BSI there was NO late fees indicated on there but they were charging for fees for having another company processing my direct deposit and yet still reporting that I paid 3 months late until I switched over ... I consider that extortion. They will NOT change the report even though they received the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Credit Karma, LLC
State: GA

Complaint narrative:
I had a acct. And it was closed, so I am trying to see where my money went. It is a XXXX acct. I have contacted and asked for my records and to no avail.. my deposit from my 2023 taxes were deposited into it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 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: NC

Complaint narrative:
XX/XX/XXXX I submitted a dispute to Equifax. On XX/XX/XXXX Equifax submitted a result from my dispute. The dispute is in regard to a bankruptcy that is reporting on my Equifax credit report. The dispute results states that XXXX supplied the information of the bankruptcy to Equifax. Which Equifax has been reporting since XX/XX/XXXX. I did not give any written, un-written, verbal and/or non-verbal consent to Equifax or XXXX to sale and/or purchase this private information and report it on my credit report. Furthermore, according to uscourts.gov, bankruptcy courts do not furnish any bankruptcy information to any third parties. Equifax and XXXX both being third parties. Again, I have not given any written, un-written, verbal, and/or non-verbal consent to Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: PR

Complaint narrative:
My complaint is with XXXX XXXX XXXX XXXX XXXX with Mortgage and auto loan. 

In the annual credit review last XXXX, I can see that the mortgage balance has not been updated since XX/XX/2022. Also XXXX payments during the XXXX ACT were reported within 30 days. In XXXX of this year, I was a co-signer for a auto loan ; XXXX XXXXXXXX XXXX XXXX inquired about my credit on two occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I XXXX XXXX XXXX XXXX Have misspelled Information on my credit Report My address is XXXX XXXX XXXX XXXX XXXX, Al XXXX My phone number is XXXX. Anything else should be removed from my personal information.

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 2024-03-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: NC

Complaint narrative:
Back in XX/XX/2019 I had all my personal information stolen. I had to reorder all new information such as my social, my driver license etc. Months later I started to receive collection calls, being I've never used my credit but once I ignored it for over a year. I slowly noticed my credit change, and then drop a crazy amount. I then started to see the amounts were not only changing but increasing from $ XXXX {$15.00} more additional dollars resulting in my credit dropping even more. I then called back once I receive a really long detailed voice mail about being sued for the matter, I instantly called back to IQ DATA INTERNATIONAL and was told I had a charge of over {$10000.00} on my debit and that there was MULTIPULE debit collections being proceeded in my name. I questioned how I was responsible if I was never to have known about it, they clarified yet again I was in charge and to connect with the original individuals who were trying to collect. I proceeded to do just that, XXXX informed me that since I was being sued and that it was already sent over I had to continue to pay it. I then called " XXXX XXXX '' and they informed that they had went under new management SEVERAL times and had since lost documentation and was unable to provide me any information on to why the company was charging a charge like such. I also had a charge from IQ DATA INTERNATIONAL that was never explained further with it being " {$1000.00}. '' I got in contact with XXXX and XXXX to result the matter several times. Unknown to the fraud situation I failed to report, but was told recently by the companies to report the company as fraud and that my personal information was stolen for them to resolve the situation and proceed to take it off my credit properly since the credit remarks states " Account information disputed by consumer, meets FCRA requirements. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
The debt collector Midland Credit Management ( if that was indeed them ) called me and implied they would get a levy on my bank account if I did not give them my banking information then and there to setup a payment plan. Out of fear I gave them this information. I learned after the fact that ( 1 ) you are never supposed to give a debt collector your banking information and ( 2 ) they are not allowed to imply that they will get a garnishment or levy against you if you do not comply I am afraid of my bank account getting drained now as it only contains money I need to survive. 

I was called from XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 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: CCS Financial Services, Inc.
State: MO

Complaint narrative:
This company sent me letters and I have never heard of them before. When I have sent them the letter below, which includes the law, they totally ignore what I'm saying and just resend the same exact information as before. They do not appear to want to adhere to the law. I sent this company this letter- which was the 2nd Notice dated XX/XX/2023 and they still have not done anything to get this off my credit as it is illegal. 

YOU ARE REQUIRED BY LAW UNDER THE FCRA that any and all accounts which are in your system regarding XXXX XXXX XXXX are fraudulent. There is no contract or application with you and pursuant to the Fair Credit Reporting Act, a contract/application between both parties must be in place in order for anything to be reported to a credit bureau XXXX 

609. Disclosure to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 2 ) Summary of rights to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section.

( E ) a statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, unless the information is outdated under section 306 or can not be verified.

( 2 ) Verification ( B ) of the information in the consumer 's application for the credit or insurance, to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability.

You have NOT provided me a copy of ANY ORIGINAL DOCUMENTATION REQUIRED WITH MY SIGNATURE ON IT, NO CONTRACT BETWEEN MYSELF AND YOU. Under Section 311 ( 5 ) ( A ) of the FCRA you are required to provide this to me!

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

AS YOU STATED IN YOUR LETTER, YOU ARE NOT AN ENTITY WHICH HOLDS A CONTRACT WITH ME. I DO NOT HAVE A CONTRACT WITH YOU. BY LAW, YOU ARE REQUIRED TO REMOVE ALL CLAIM TO ANY DEBT FROM MY CREDIT ACCOUNT. THERE IS NO VERIFICATION OF AN ACCOUNT WITH YOU IN THE PACKAGE YOU SENT TO ME. YOU CLEARLY STATE YOU ARE A DEBT COLLECTOR AND I HAVE NO CONTRACT WITH ANY SUCH COMPANY.

It is imperative you inform all Credit Bureaus XXXX, XXXX and XXXX immediately! 

This is still on my Credit Report with nothing being done about it by the Bureaus or by the company that is fraudulently reporting something that is absolutely false.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 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: Security Credit Services, LLC
State: MO

Complaint narrative:
This company sent me letters and I have never heard of them before. When I have sent them the letter below, which includes the law, they totally ignore what I'm saying and just resend the same exact information as before. They do not appear to want to adhere to the law. I sent this company this letter- which was the 2nd Notice dated XX/XX/2023 and they still have not done anything to get this off my credit as it is illegal. 

YOU ARE REQUIRED BY LAW UNDER THE FCRA that any and all accounts which are in your system regarding XXXX XXXX XXXX are fraudulent. There is no contract or application with you and pursuant to the Fair Credit Reporting Act, a contract/application between both parties must be in place in order for anything to be reported to a credit bureau XXXX 

609. Disclosure to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 2 ) Summary of rights to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section.

( E ) a statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, unless the information is outdated under section 306 or can not be verified.

( 2 ) Verification ( B ) of the information in the consumer 's application for the credit or insurance, to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability.

You have NOT provided me a copy of ANY ORIGINAL DOCUMENTATION REQUIRED WITH MY SIGNATURE ON IT, NO CONTRACT BETWEEN MYSELF AND YOU. Under Section 311 ( 5 ) ( A ) of the FCRA you are required to provide this to me!

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

AS YOU STATED IN YOUR LETTER, YOU ARE NOT AN ENTITY WHICH HOLDS A CONTRACT WITH ME. I DO NOT HAVE A CONTRACT WITH YOU. BY LAW, YOU ARE REQUIRED TO REMOVE ALL CLAIM TO ANY DEBT FROM MY CREDIT ACCOUNT. THERE IS NO VERIFICATION OF AN ACCOUNT WITH YOU IN THE PACKAGE YOU SENT TO ME. YOU CLEARLY STATE YOU ARE A DEBT COLLECTOR AND I HAVE NO CONTRACT WITH ANY SUCH COMPANY.

It is imperative you inform all Credit Bureaus XXXX, XXXX and XXXX immediately! 

This is still on my Credit Report with nothing being done about it by the Bureaus or by the company that is fraudulently reporting something that is absolutely false.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: TN

Complaint narrative:
Accordind to to credit report I noticed that my right to privacy was violated. Accordind to 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 an 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 information is inaccurate.The accounts in question are listed below violates my right to privacy XXXX acct # XXXX, XXXX XXXX : acct # XXXX, XXXX : acct # XXXX, XXXX XXXX : acct # XXXX, XXXX XXXX : acct # XXXX, XXXX XXXX : acct ; XXXX, XXXX XXXX : acct # XXXX, XXXX XXXX : acct # XXXX, XXXX : acct # XXXX, XXXX : acct # XXXX, XXXX XXXX XXXX : acct # 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 2024-03-17 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: TN

Complaint narrative:
Accordind to to credit report I noticed that my right to privacy was violated. Accordind to 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 an 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 information is inaccurate.The accounts in question are listed below violates my right to privacy XXXX acct # XXXX, XXXX XXXX : acct # XXXX, XXXX : acct # XXXX, XXXX XXXX : acct # XXXX, XXXX XXXX : acct # XXXX, XXXX XXXX : acct ; XXXX, XXXX XXXX : acct # XXXX, XXXX XXXX : acct # XXXX, XXXX : acct # XXXX, XXXX : acct # XXXX, XXXX XXXX XXXX : acct # 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 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies 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 I am asking you to verify as accurate : XXXX : CCS Collections Acct # XXXX XXXX : Credit Collection Acct # XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation