vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have been disputing inaccurate accounts on my credit report for a year now and the credit bureaus have not corrected the inaccurate the information at all. The last letter I sent out was a certified letter to each credit bureaus. 

I have 8 accounts that are reporting incorrect information on my credit report. Here are the accounts. 

XXXX XXXX I address that the date of last activity is being reported as 3 different dates to each credit bureau. TransUnion XXXX XXXX, XXXX reports XXXX and XXXX reports XXXX. The creditor just verifies the account but why are they reporting different dates to each credit bureau. This is not accurate at all and they have not updated or deleted this account. Law requires the information to be reported correct and it simply is not. This is the same issue with XXXX XXXX, and XXXX account. The date of last activity is being reported as different dates to each credit bureaus. I am so tired of stating this and they are not doing anything about it. 

Now with these 4 accounts XXXX, XXXX XXXX XXXX has 2 accounts ) and, XXXX XXXX the issue is the account status. Some are reporting the account as open which the account should not be reporting as open, and some closed and open to each of the credit bureaus and it is not accurate and the account should be deleted from my credit report. 

Last there is an account with XXXX XXXX  that was an account with XXXX XXXX XXXX XXXX, that was deleted off all three credit bureaus by XXXX XXXX XXXX XXXX and not even a month later added back with XXXX XXXX. The Credit Bureaus did not sent me a letter to let me know that the account would be added back on my credit report. I sent the credit bureau a certified letter to address it and they did nothing about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
Advised legally to file a complaint as my XXXX mortgage company changed fixed terms that differ from my XXXX mortgage company without any real explanation after several attempts to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was a victim of identity theft. Thieves attempted to open credit cards with XXXX XXXX and with XXXX XXXX XXXXXXXX. I put a credit alert on my credit files with XXXX. They say they also tell XXXX and XXXX and all three had it on my report. Today thieves opened credit cards with XXXX XXXX and with XXXX XXXX. The XXXX XXXX inquiry was on my transunion report. My complaint is that a credit alert appears to be worthless as credit cards can be open without contacting me despite the alert. I moved to freezing my credit report, but you should know that the credit alerts do not work. 

Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to file a complaint against TransUnion for reporting unlawful information/accounts on my credit report. Despite my numerous attempts to rectify this situation, TransUnion has failed to follow federal law and continues to report inaccurate information on my credit report. 
I first became aware of this issue when I applied for a loan and was denied due to information on my credit report that did not belong to me. Upon closer inspection, I discovered that TransUnion had included accounts that were not mine and had been opened fraudulently. 
Since then, I have made repeated attempts to correct the information on my credit report. I have sent multiple letters to TransUnion, filed disputes online, and even called their customer service hotline. However, TransUnion has failed to take any action to remove the inaccurate information from my credit report. 
As a result of TransUnion 's failure to comply with federal law, I have suffered significant financial harm. I have been denied credit, had higher interest rates, and been unable to obtain the financial resources I need to support myself and my family. 
I believe that TransUnion must be held accountable for their actions and for the harm they have caused me. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that TransUnion complies with all federal laws and 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 2023-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
Capital one bank has suspended my credit cards for making a payment in full. 2 weeks ago I made a payment and they insisted that I conference call in my bag and verify that I'm the owner of that account which I did. Today I made 2 more payments to pay recent charges in full and they suspended by accounts and insisted that I have to upload a bank statement from where the payments coming from to verify that I am the owner of the account. This is the same account which I verify under 2 weeks ago. I don't believe the bank has the right to see my other personal bank statement to verify that I'm the owner, nor do I believe that they should think making a payment in full is a suspicious activity and suspend the use of my card. They gave me no explanation why I had to verify the account other than suspicious activity and why one time it was OK to verify via telephone but now they need me to upload a full complete bank state. When they first notified me of this, about 3 or 4 days ago, they said all I needed to do was upload a screenshot of the account showing that the payment came out of my account, which I did. Now they will not accept that same proof. I'm reluctant to use the card and may have to cancel it because I feel every time I make a payment they're going to ask me for a bank statement, which I believe is none of their right to require. I've had this particular card for close to 30 years and I feel severely mistreated and disrespected by this bank. Please let me know If Capital One Bank has the right to ask me for a statement from a different bank to prove that I am the owner of the account from which I make payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: PA

Complaint narrative:
I, XXXX XXXX, am a consumer in fact and I am writing to provide written notice to the creditor of a billing error contained in my statement. Pursuant to 15 USC 1666B ( 1 ), I have identified a credit balance error.

I am writing this compliant because of an error in the posting of a credit to my account, pursuant to 12 CFR 1026.10 of the Truth in Lending Act ( TILA ). I understand that I made two payment on my account, but the credit was not posted in a timely manner, resulting in an inaccurate account statement.

Under the provisions of the TILA, creditors are required to properly credit payments made by consumers and to provide accurate account statements that reflect all payment activity. It appears that Discover have failed to comply with these requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HW Holding, Inc
State: NC

Complaint narrative:
I was trying to buy a house and realized I had damages on my credit report according to the 15 USC 1681 there should not be any damages on my credit report, it is defamation of my character. Also, the reporting requirements do not comply with FCRA 611 ( 15 USC 1681 ) Hunter Warfield {$7400.00} last reported on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to file a formal complaint against Experian for reporting unlawful information and accounts on my credit report. Despite numerous attempts to rectify this situation, Experian has failed to comply with federal law and I believe they need to be held accountable for their actions. 
I recently discovered that there are several accounts listed on my report that are not mine and have never been authorized by me. These accounts have negatively impacted my credit score and have caused me significant financial harm. 
I have contacted Experian multiple times to request that these accounts be removed from my report, but to no avail. They have failed to provide me with a satisfactory resolution and have not followed federal law in their handling of this matter. As a result, I have decided to escalate this issue to the Consumer Financial Protection Bureau. 
I am seeking your assistance in resolving this matter and ensuring that Experian is held accountable for their actions. I believe that they have violated my rights as a consumer and have caused me undue stress and financial hardship. I am requesting that Experian be required to remove the unlawful accounts from my report and that they be held accountable for any damages that I have suffered as a result of their actions. 
Thank you for your attention to this matter. I look forward to your prompt response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a letter to the credit bureaus XX/XX/2023 informing them of an inaccurate account on my credit report. I do not believe an investigation was done because the account XXXX XXXX XXXX XXXXXXXX is still reporting. As stated in my letter, I was a victim of the XXXX data breach and I think my information was compromised because I do not recall opening an account with this creditor. I contacted the creditor by mail, and they have failed to respond or validate this information so why is it reporting on my credit report? Also, how can there be different years listed in the date of last activity for each bureau when all data furnished should be the same? This is the date that stipulates when my account will naturally fall off. This is a violation of the FCRA. I will attach the XXXX data breach claim as well as the inaccurate credit report. I am demanding that this account be removed within 15 days since this is not my first time reporting this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
Yes this collection agency EOS is collecting a debt from XXXX saying I owe XXXX I have ask numerous times to provide me With contract saying I signed for this my valid documentation where I approved to used XXXX signed contract I been receiving mail harassing telephone calls ask to cease all communication levels still no validation on this debt please remove this debt as this debt is not valid and I am a victim of identity theft and this is included on the day my identity was taken so remove this debt under the us code 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
When I called this number, the call just dropped. When he called me yesterday, he asked some personal information. At the end, he was asking of my bank password and I refused to give it to him. He insisted then I cancelled the call. I was checking and there's no such thing connected to the capital one. I emailed and asked for the link of their business website. I have not received any response. 

Please take note of this. I have the flyer he sent to me through email. If you want I can email it to you. 

Thank you. 

XXXX XXXX Branch Manager, Capital One Finance, TOLL FREE NUMBER XXXX ( XXXX ) XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV Dear XXXX, Thank you for your interest in capital one finance. We have received your application for the Loan and will review your materials thoroughly. 

We are highly pleased to inform you that your application for a loan of {$8000.00} has been approved by the us.Kindly Check the attached funds approved letter attached. 

I hereby request you to Kindly get in touch with us at XXXX ( XXXX ) XXXX to complete all the formalities so that the loan amount can be credited to your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
The Midland Funding LLC charged me {$700.00} which I was not owned. It hurt my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, 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:
Hi I have sent out several letters over the past few months starting in XX/XX/XXXX over some issues with my credit report I sent a letter on XX/XX/XXXX to a company that I do not recognize they say I owe XXXX $ they didnt respond within the 30 days I requested I also sent out a letter on the XXXX of XXXX to another company saying that I owed XXXX $ and then changed it to XXXX $ but that account was settled in XXXX I sent a letter out on the XXXX of XXXX to a company saying I owe XXXX $ they also did not respond with in the 30days alotted I sent another letter on the XXXX of XXXX to a company saying I owed XXXX $ they also didnt respond with in the 30 days allotted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi I have sent out several letters over the past few months starting in XX/XX/XXXX over some issues with my credit report I sent a letter on XX/XX/XXXX to a company that I do not recognize they say I owe XXXX $ they didnt respond within the 30 days I requested I also sent out a letter on the XXXX of XXXX to another company saying that I owed XXXX $ and then changed it to XXXX $ but that account was settled in XXXX I sent a letter out on the XXXX of XXXX to a company saying I owe XXXX $ they also did not respond with in the 30days alotted I sent another letter on the XXXX of XXXX to a company saying I owed XXXX $ they also didnt respond with in the 30 days allotted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2023, I conducted an inquiry into my credit report and discovered items that were unverifiable, invalidated, inaccurate, or questionable. Your agency did not ensure that the information it reported was completely 100 % accurate. 
In response to these findings I on XX/XX/2023 created and mailed numerous letters to Experian, XXXX, and XXXX requesting these items to be either investigated proving their accuracy or to have them removed due to not being correct. 

However, I have not received anything from them. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts bel ow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Amount Date Opened XXXX {$17.00} XX/XX/XXXX XXXX  {$0.00} XX/XX/XXXXXXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX {$34000.00} XX/XX/XXXX XXXX XXXX {$10000.00} XX/XX/XXXXXXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In my report shows wrong address, wrong accounts, wrong ss, wrong dob. Wrong personal info.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation