vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-24 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:
I'm in the process of buying a new home and working on building my business and the accounts below are affecting my credit profile. I have disputed these accounts with all three credit bureaus and no progress have been made. 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. 

Account name XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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 information is inaccurate.

These inaccuracies are stopping me from buying a new house for my family and it's also stopping me from obtaining business loans and business credit cards.

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 2024-03-24 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: NY

Complaint narrative:
Hello I am a victim if identity theft and Ive disputed these items min the past with no resolution Im asking that this information be delelted from my credit report because it does not reflect my true credit worthiness!! And its false XXXX  XXXX XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XX/XX/XXXX Balance {$60.00} XXXX XXXX  XX/XX/XXXX Balance {$16000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$2600.00} XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX Balance {$2300.00} XXXX XXXX XXXXXXXX XX/XX/XXXX Balance {$16000.00} XXXX XXXX  XXXX XX/XX/XXXX Balance {$100.00} XXXX XXXX XXXX XX/XX/XXXX Balance {$2200.00} XXXX  XX/XX/XXXX Balance {$2300.00} Inquires XXXX XXXX Inquiry date 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 2024-03-24 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:
Hello I am a victim if identity theft and Ive disputed these items min the past with no resolution Im asking that this information be delelted from my credit report because it does not reflect my true credit worthiness!! And its false XXXX XXXX XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XX/XX/XXXX Balance {$60.00} XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX Balance {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$2300.00} XXXX XXXX XXXXXXXX XX/XX/XXXX Balance {$16000.00} I.C. XXXX XXXX XX/XX/XXXX Balance {$100.00} XXXX XXXX XXXX XX/XX/XXXX Balance {$2200.00} XXXX  XX/XX/XXXX Balance {$2300.00} Inquires XXXX XXXX Inquiry date 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 2024-03-24 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: GA

Complaint narrative:
On several occasions, I have asked XXXX, XXXX and Experian to delete a bankruptcy account that was added to my credit profile in error. 

XXXX XXXX XXXX Case type : XXXX XXXX : XXXX Asset : No Vol : v Chief Judge : XXXX XXXX XXXX XXXX XXXX XX/XX/2019 Date of last filing : XX/XX/2019 Date terminated : XX/XX/2019 I have reached out to the court. And I was informed that they do not share this information with the credit reporting agencies. I then reached out to XXXX and they informed me that the record would be deleted from my consumer report. Once I gathered this information and informed the credit reporting agencies, they stated that they researched the information. Which is not good enough. According to consumer law under 15 usc 1681i, all accounts must be verified for accuracy. In this case, it was stated both by the bankruptcy court and XXXX that proper verification was not done.

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 2024-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TX

Complaint narrative:
My student loans qualified for automatic discharge as per XXXX XXXX XXXX borrower defense settlement. My loans qualified for full discharge and refund for payments I made. The settlement conditions should have been fulfilled as of XX/XX/2024. My loans have been discharged but as of XX/XX/2024 I have not received my refund. I have tried calling the Dept of Education but they do no answer. I have also submitted several complaints via DOE website and have not received a response. I also contacted my loan servicer Mohela and they refer my back to DOE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I did not consent to these negative reportings ( 5 missed payments ), on my credit report. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered because of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ] Should you fail or refuse to settle the demand, I will seek actual damages which are greater than {$1000.00}. DATE OF OCCURENCES ; Reporings from ; XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and one updated which damage was already done on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The debt was old. I submitted documentation and a pay to delete letter meaning if I pay the debt, they will delete it off my credit. It is still showing on my credit report when they agreed to remove it off once paid. And its still negatively impacted my credit score.

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 2024-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Account opened XX/XX/year> reported as balance of XXXX which is correct. Bank of America then updated XX/XX/year> with a balance of XXXX and a missed payment when no payment is due until XX/XX/year>.

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 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
The debt was old. I submitted documentation and a pay to delete letter meaning if I pay the debt, they will delete it off my credit. It is still showing on my credit report when they agreed to remove it off once paid. And its still negatively impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Hold charges to my account on XX/XX/2024, XX/XX/2024 and XX/XX/2024 in the amount of {$580.00} which are all duplicated charged for processed fees charged XXXX days earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: FL

Complaint narrative:
I did not consent to these negative reportings ( XXXX missed payments ), on my credit report. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered because of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ] Should you fail or refuse to settle the demand, I will seek actual damages which are greater than {$1000.00}. DATE OF OCCURENCES ; Reporings from ; XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX updated which damage was already done on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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:
I did not consent to these negative reportings ( XXXX missed payments ), on my credit report. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered because of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ] Should you fail or refuse to settle the demand, I will seek actual damages which are greater than {$1000.00}. DATE OF OCCURENCES ; Reporings from ; XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX updated which damage was already done on XX/XX/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 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
This company XXXX XXXX continues to inaccurately report my past two loans as open or unpaid. For 5 months now I have requested through all credit reporting agencies and XXXX XXXX  to fix the inaccurate information, as soon as it is fixed XXXX XXXX illegally reports as unpaid the following month. I feel they continue to do this month after month to prevent me from getting loans at a decent rate due to it negatively affecting my credit score. This is illegal and I have proof they continue to report to the credit bureaus month after month inaccurate balances to lower my credit score. Even after it is fixed they follow up with inaccurate information, this is illegal, this is fraud, this is damaging my credit! My account has been closed since XX/XX/year> and XX/XX/year> and they continue to falsely report a balance. This is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I transferred over $ XXXX from my capital one savings account to my XXXX account last week. Ive done this many times and its been fine. This time, Capital one says it was posted on XX/XX/XXXX. My XXXX account is now overdrawn because the transfer never showed up ( doesnt show as pending, doesnt show as scheduled etc. ). I tried to get help from capital one but they only had a chat bot called XXXX. I told them that something wrong happened with my transfer and asked how to figure out where the money was and it kept spitting out useless responses and wouldnt look into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Recently I looked at a copy of my credit report with Experian and the information on this account : XXXX XXXX XXXX XXXX This item seems to be inaccurate or inconsistent with established reporting. I stand to believe that my rights as a consumer are being violated with this inaccurate information as I'm unsure if the reporting process was done correctly. 

I'm requesting that you investigate this item to ensure it is in fact reporting accurately.

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 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
THIS IS THE ONLY CREDIT BUREAU I HAVING ISSUE WITH MY CREDIT REPORT. I JUST DID A LONG DEEP VIEW OF MY EQUIFAX CREDIT REPORT AND CERTAIN ACCOUNTS ARE SHOWING NO DATA AVAILABLE. WHEN I CALL IN TO DISCUSS THAT WITH A REP THEY DONT UNDERSTAND WHAT IM SAYING. YOU CANT DISPUTE THIS ONLINE IT WONT ALOUD YOU TO DO IT, I CALL IN TO THE CREDITOR ABOUT IT THEY SAID THEY SENT OVER MY ACCOUNT THAT IT WAS PAID FOR THAT MONTH. IM ALREADY DEALING WITH ISSUES WITH XXXX XXXX XXXX NO I SEE I HAVE ACOUNT WITH XXXX XXXX XXXX. ON THIS ACCOUNT FOR THE MONTH OF XX/XX/XXXX IT SHOW NO DATA AVAIABLE BUT I MADE A PAYMENT TO THEM THAT MONTH, SO THE BALANCE, SCHEDDULED PAYMENT, HIGH CREDIT, CREDIT LIMIT NEED TO BE UPDATED CORRECTLY NOT NO DATA AVAIABLE. NEXT ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX SAME IT SHOWS NO DATA, THE BALANCE FOR THE MONTH OF XXXX, XXXX, AND XXXX OF XXXX NEEDS TO BE UPDATE CORRECTLY, SAME WITH SCHEDULED PAYMENT, HIGH CREDIT CREDIT LIMIT FOR THOSE XXXX, XXXX, XXXX OF XXXX, THEN XXXX XXXX XXXX OF XXXX NEEDS TO BE UPDATED CORRECTLY SINCE I MADE PAYMENTS FOR THIS ACCOUNT FOR THOSE MONTH NOT NO DATA, XXXX XXXX XXXX MISSING XXXX OF XXXX IT SHOWS NO DATA, MISSING BALANCE, SCHEDULED PAYMENT HIGH CREDIT, CREDIT LIMIT FOR THOSE MONTHS NOT NO DATA AVABLE. XXXX XXXXXXXX XXXX XXXX MISSING BALANCE, XXXX MISSING SCHUDULED PAYMENT XXXX OF XXXX AND XXXX OF XXXX. MISSING HIGH CREDIT ANDCREDIT LIMIT FOR XXXX OF XXXX AND XXXX OF XXXX, SAME IT NEEDS TO BE UPDATED CORRECTLY NOT NO DATA XXXX XXXX XXXX MISSING BALANCE FOR XXXX AND XXXX OF XXXX HIGH CREDIT, CREDIT LIMIT FOR XXXX AND XXXX OF XXXX IT NEEDS TO BE UPDATED CORRECTLY XXXX XXXX XXXX MISSING BALANCE FOR XXXX OF XXXX ALSO HIGH CREDIT CREDIT LIMIT NEEDS TO BE UPDATED, XXXX XXXX XXXX  MISSING BALANCE FOR XXXX CREDIT AND CREDIT LIMIT ON THIS ACCOUNT AND IT NEEDS TO BE UPDATED NOT NO DATA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
On XX/XX/2024, made a purchase for {$500.00} at XXXX, purchased a XXXX gift card, the gift card was damaged and unusable, I contacted both XXXX and XXXX to try and get a replacement card to no avail, I disputed the charge, but bank ruled dispute in favor of merchant stating I received the gift card, despite me telling them I received a piece of plastic which I cant use and someone pocketed {$500.00} dollars which I am supposed to pay by next billing statement

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: CA

Complaint narrative:
Today, I am lodging a complaint with you to report that I have fallen victim to identity theft. Upon researching how to address the fraudulent accounts on my credit report, I discovered the necessity of contacting the Federal Trade Commission ( FTC ) at XXXX XXXX XXXX  or visiting the FTC directly to file a report. According to the Fair Credit Reporting Act ( FCRA ) Section 605b, Credit Reporting Agencies are mandated to remove or block any accounts listed in an identity theft report. 

Attached, please find the necessary documentation to facilitate the blocking of inaccurate information currently affecting my report. Enclosed is a list of accounts/items that are not associated with me or were opened without my consent. 

As per FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to block any information in a consumer 's file identified by the consumer as resulting from alleged identity theft within four business days of receipt. 

XXXX Account Number XXXX, XXXX  Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX and XXXX XXXXXXXX Account Number 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 2024-03-24 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: FL

Complaint narrative:
I'm in the process of buying a new home and working on building my business and the accounts below are affecting my credit profile. I have disputed these accounts with all three credit bureaus and no progress have been made. 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 XXXX XXXX XXXX. 

Account name XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

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 information is inaccurate.

These inaccuracies are stopping me from buying a new house for my family and it's also stopping me from obtaining business loans and business credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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:
I'm in the process of buying a new home and working on building my business and the accounts below are affecting my credit profile. I have disputed these accounts with all three credit bureaus and no progress have been made. 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. 

Account name XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXXI # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

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 information is inaccurate.

These inaccuracies are stopping me from buying a new house for my family and it's also stopping me from obtaining business loans and business credit cards.

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 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Tranunion inaccurately reports my information and does not update my record appropriately for years. I have had no derogatory issues for many years. Also have been XXXX XXXX and they do not update my account after writing to them.

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