vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-24 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: MO

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

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-08-24 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: MO

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

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC
State: FL

Complaint narrative:
On XXXX report there is a auto loan from WESTLAKE FINANCIAL SVC, It doesn't belong to me. It belong to a person with the same name as me.

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 2024-08-24 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: GOLDEN 1 CREDIT UNION, THE
State: TX

Complaint narrative:
Golden1 has decided to practice adverse actions against me. Golden1 actions has affected me as a certain protected class, and Golden1 has intentionally provided me with false information about my credit card account. Golden1 has ensured that their conflicted information will result in a negative impact on my financial future. From XX/XX/year> to XX/XX/year> Golden1 has continued to obstruct access to my credit card without any reason ( XXXX ). 
I have an extensive call log that displays the constant communication that I had with Golden1 over the period of the past 8 months. I requested information in writing on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year> to no avail. 

Golden 1 has continued to obstruct access to my credit card. As of today I have noticed that someone has removed online payment access to my card. Also, my card no longer shows availability balance. I request a full detail transaction record taken by Golden1 to obstruct my usage for my credit card. You have impacted my financial future and have constantly refused to show me in writing your step-by-step actions with dates/times and names as to who, when and why these negative actions have been taken against me. Golden XXXX has left me with no recourse, but to file a consumer complaint to hold Golden1 accountable. Golden1 initially approved me for this card then refused to mail the card to me for weeks. Then after several conversations the card was mailed to me. And now I'm experiencing additional adverse action by Golden1. I believe that I have been treated unfairly by Golden 1 and intend to pursue the matter further. It's unfair and discriminatory business practices that have negatively impacted me.

To date I continue to make payments online through my Golden1 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 explanation
Consumer complaint received 2024-08-24 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: VA

Complaint narrative:
Im not liable with this debt with XXXX XXXX. I do not have a contract with this collection agency XXXX XXXX They did not provide me with the original contract as requested.

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 2024-08-24 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: VA

Complaint narrative:
Im not liable with this debt with XXXX XXXX. I do not have a contract with this collection agency XXXX XXXX They did not provide me with the original contract as requested.

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 2024-08-24 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: AL

Complaint narrative:
ask to give proof of why are late payment and not reporting payment are on my report a

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 2024-08-24 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: FL

Complaint narrative:
I have been a victim of identity theft, which has resulted in several unauthorized items appearing on my credit report. These include XXXX accounts and XXXX inquiries that I neither authorized nor initiated. These entries were added without my knowledge or consent. 

ACCOUNTS - XXXX XXXX - XXXX XXXX XXXXXXXX INQUIRIES- 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 XX/XX/XXXX I have already reported this identity theft to the Federal Trade Commission XXXX FTC ). I am requesting the prompt removal of these fraudulent accounts and inquiries from my credit report to ensure its accuracy.

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 2024-08-24 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: FL

Complaint narrative:
I received my credit report recently and noticed there is still a fraudulent account appearing. Reinvestigate and delete the accounts listed below : Account Name : XXXX XXXX XXXX Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within XXXX  days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.

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 2024-08-25 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: TN

Complaint narrative:
On XX/XX/year>XX/XX/XXXX had Transunion to fraudulently open an account in their name on my credit profile for the amount of {$340.00}. I am asking that this account is removed immediately. Thank You.

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 2024-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
XX/XX/year>, contacted PayPal, after there had been fraud activity on XXXX of the cards linked to the account. Since my account is permanently suspended, they told me I am unable to remove any cards linked on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XXXX XXXX, 2024, I attempted to access my TransUnion account and was unable to due to a Verification Error. After resetting my password and resubmitting my personal identifiable information, I was still unable to access my account. I called TransUnion XXXX XXXX and was placed on hold for over an hour  without speaking to a Customer Service XXXX. I then called TransUnion XXXX XXXX  for assistance and was also placed on hold for over an hour. While waiting to speak to a live person, I went online to get help via TransUnion XXXX XXXX. I was able to get someone via Chat and ended the call with TransUnion Login Support but called the Customer Service and selected Option XXXX, which was to have a Customer Service Agent call me back. In the meantime, I tried troubleshooting with the online XXXX XXXX XXXX  to no avail. So, after XXXX hour and XXXX minutes, with no success, I terminated the chat. At XXXX, I finally receive a call from TransUnion Customer Service and the Agent read a script that said " XXXX XXXX XXXX XXXX  is now close. Please call back tomorrow between the hours of XXXX and XXXX for assistance. '' On Saturday, XX/XX/scrub> 2024, at XXXX, I called the TransUnion XXXX XXXX XXXX and again received the automated message saying that " Due to the high volume of calls, you will have to wait to speak to a Customer Service XXXX  or select Option XXXX to have them return your call. '' After waiting an hour, I ended the call. I later called back Customer Service at XXXX and received the same automated message and waited. At XXXX, I selected Option XXXX to have a Customer Service XXXX call me back. As with yesterday, I receive a phone call from a XXXX XXXX XXXX XXXX that read the same script that " XXXX XXXX XXXX XXXXXXXX is now close. Please call back tomorrow between the hours of XXXX and XXXX for assistance. ''

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 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Inaccurate and different information from account # XXXX XXXX between XXXX and Equifax. According to the FCRA, the XXXX reporting agencies have to remove all inaccurate or unverifiable information from credit reports, please remove this from my credit report now. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Client Services, Inc.
State: UT

Complaint narrative:
I received a " settlement offer '' via XXXX XXXX XXXX XXXX. This settlement offer was in relation to Identity Theft and XXXX involving payments for charges that were never made by me. These payments were never applied due to the funds never being posted ; however, XXXX XXXX XXXX continued to charge late fees, increasing the alleged debt amount. To top it off, XXXX XXXX XXXX restricted my access to my accounts, upon which I made numerous attempts and requests for access. The reference number for the " settlement offer '' is XXXX from XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: FIRST HORIZON BANK
State: TX

Complaint narrative:
I am a victim of XXXX XXXX. This account has previously been disputed and I am attaching new information to this complaint including a copy of the police report submission along with the official police report summary and police report number. I have also attached a copy of the official dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: FL

Complaint narrative:
I received my credit report recently and noticed there is still a fraudulent account appearing. Reinvestigate and delete the accounts listed below : Account Name : XXXX XXXX. 
Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within XXXX  days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.

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 2024-08-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I received my credit report recently and noticed there is still a fraudulent account appearing. Reinvestigate and delete the accounts listed below : Account Name : XXXX XXXX. 
Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My employer is incorrect and has been reporting incorrect repeatedly. My name and address is also incorrect and needs to be corrected.I have updated this information with XXXX and XXXX and XXXX and all other bureaus need to update this information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: MO

Complaint narrative:
Sent in paperwork from Department of Education dated XX/XX/year> requesting the status of my student loan discharge. Nothing was heard from MOHELA. MOHELA does not communicate with their customers and puts them on long hold times when they call in. Why is this debt still being reported on my accounts and to credit agencies?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: MS

Complaint narrative:
I'm in still in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX  XXXX In accordance with The Fair Credit Reporting Act, Public law 91XXXX506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 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: GA

Complaint narrative:
Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Ga, XXXX DOB : XX/XX/XXXX SSN : XXXX I recently obtained a copy of my credit report from your services and found the following items to be an error. 

Creditors Account Name and Number : 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  According to section 15 U.S. Code 1692g ( Validation of debts ). 

XXXX. I want all creditors to send me a detailed list of the history of payments made by me on this account. 
XXXX. I want to see the signature that I put on a contract guaranteeing that I would pay this creditor. 
XXXX. XXXX asking to see has there been any insurance claim filed on this debt. 
XXXX. I want proof that you have the chain of title to collect on this debt. 

15 U.S. Code 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes thedebt collector to cease furthercommunication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 

In addition, XXXX requesting a description on how the investigation was conducted along with the name, address, telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from this investigation, i am requesting that an updated report be sent to those who received my report within the last XXXX years or employment purposes, or any purpose. 

Thank you for your prompt attention in this matter. 

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 2024-08-25 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: GA

Complaint narrative:
Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Ga, XXXX DOB : XX/XX/XXXX SSN : XXXX I recently obtained a copy of my credit report from your services and found the following items to be an error. 

Creditors Account Name and Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX According to section 15 U.S. Code 1692g ( Validation of debts ). 

XXXX. I want all creditors to send me a detailed list of the history of payments made by me on this account. 
XXXX. I want to see the signature that I put on a contract guaranteeing that I would pay this creditor. 
XXXX. XXXX asking to see has there been any insurance claim filed on this debt. 
XXXX. I want proof that you have the chain of title to collect on this debt. 

15 U.S. Code 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes thedebt collector to cease furthercommunication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 

In addition, XXXX requesting a description on how the investigation was conducted along with the name, address, telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from this investigation, i am requesting that an updated report be sent to those who received my report within the last XXXX years or employment purposes, or any purpose. 

Thank you for your prompt attention in this matter. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief