vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-01 00:00:00
Product: Credit card or prepaid 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: U.S. BANCORP
State: TN

Complaint narrative:
On XX/XX/XXXX XXXX charged my card for a frivolous charge that I already had disputed with XXXX and they assured me that they were not going to charge my card, well they did, after several attempts to resolve this with XXXX, I turned to my credit card company. XXXX c harged a card that was not currently activ
e on XX/XX/XXXX the card that was charged was inactive. 

2nd I sent Elan emails showing that XXXX said that they were not going to charge me. 

3rd - the following is communication between myself and ELAN... I submitted same documents several times on the following dates, with the company denying that they received them until XX/XX/XXXX - XX/XX/XXXX - spoke with agent said they sent mail, I received nothing -XXXX  XXXX, XXXX spoke with XXXX XXXX # XXXX XXXX -XXXX  XXXX, XXXX after agent hung up on me, spoke a Mgr, that hung on me as well -XXXX  XXXX, XXXX also faxed docs again -XXXX  XXXX, XXXX Employee decline employee number, and said someone would call me back XX/XX/XXXX, faxed documents again XX/XX/XXXX very rude employee XXXX hung on me, declined employee # XX/XX/XXXX spoke with Manager XXXX and said she would call me back, never did XX/XX/XXXX spoke with XXXX someone will call me back, no one did XX/XX/XXXX spoke XXXX employee # XXXX, she said that had not received documents and someone will reopen case and hung on me XX/XX/XXXX - I called back spoke with XXXX call conf # XXXX XXXX she refused employee number, she said she will call me back on Monday which is today after business hours and no call back

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 monetary relief
Consumer complaint received 2023-05-01 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX submitted a false lease agreement and submitted a false statement saying " XXXX XXXX is not in a position to have this removed from my credit report ''. Because XXXX XXXX was in the position to place it on my credit report. They only harass minorities by reporting a non collectable debt on the files.

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 2023-05-01 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: GA

Complaint narrative:
Experian is reporting this account as late XXXX XXXX. This account was not late UNDER CARES ACT. Please remove 180 day latenessess reported

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 2023-05-02 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: TX

Complaint narrative:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$51.00} XXXX XXXX  XXXX Balance : {$51.00} XXXX XXXX  XXXX Balance : {$51.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : 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 2023-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Group Inc.
State: MS

Complaint narrative:
This debt is fraudulent. It is due to identity theft. I have no information about this. I have contacted the collection agency located in XXXX, OR, via certified letter, informing them that this debt is a result of identity theft. I have also contacted XXXX and XXXX regarding this fraudulent debt. All the information I have on this company was provided by the aforementioned credit reporting agencies. I have not pulled my credit report from XXXX yet. According to XXXX this debt was reported XX/XX/2017 in the amount of {$1300.00}. It was written off/closed some time thereafter. I will absolutely not pay this debt. I did not open the account with the original creditor and I most certainly will not pay some collection agency in Oregon

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: GA

Complaint narrative:
The following items continue to appear on my credit report despite numerous written requests, which are against FCRA. In addition to failing to adequately examine the situation by using a third party as their provider of verification, the Bureaus continued to report unsubstantiated and unverified information while failing to comply with the Fair Credit Reporting Act, 15 USC sections 1681i, within the time frame required by law. They are wilfully negligent and in violation of federal statutes, and I need this situation to be resolved right now given all of my attempts to address it directly with XXXX and TransUnion CREDIT BUREAUS. The following ITEMSshould be deleted from my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01 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: MS

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2023-05-01 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: Experian Information Solutions Inc.
State: MS

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2023-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
After having months of issues with the vehicle after just recently purchasing it, I decided to go back over my contract. 
I realized that there where some direct violations and discrimination of my rights. 
1-stolen downpayment of {$50000.00} 2-Coherced into putting a large doenpament 3-Rushed to sign an agreement that I could not read at the time of signing but was told the vehicle would be gone of I dont sign now. 
4-Vehicle having hidden issues that showed up within the first 6-12 months., 5-Though I pay CapitalOne for the car note, I have NO CONTRACT between myself and Capital ONE at all. I only have a contract between myself and XXXX XXXX XXXX, the dealerships main company. 
6-Violations of TX codes : 215.250 using terms to such as Price was this now that, Bluebook value is and Now, Original MSRP was this, Now that. 
These terms where used at time of sale. 
according to the TX CODE 215.250 such terms can not be used to coherse buyers for a pushed sale. 
7-The agreement has 1 signature from myslef and none from Capital One. 
8-CapitalOne has no contra t or agreementr with myself only the desalership.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: GA

Complaint narrative:
o whom it may concern : The credit bureaus are once again violating my FCRA rights specifically 15 USC 1681 ( 5 ). According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. I previously asked XXXX, XXXX, and Transunion to verify an account being reported on my credit report as 30 days late, and all 3 bureaus quickly responded that the account was verified as accurate, but that account was never verified nor accurate. I even doubt any proper investigation was done at all. The reason why I am saying that is the account is XXXX  or XXXX, but the account number is XXXX on Transunion XXXX on XXXX XXXX and on XXXX Account # : XXXX XXXX XXXX Are not correct completed numbers. Xs arent any acknowledged numbers used by any known banking institutes to establish any banking accounts nor routing numbers, there for its not correctly verified to be accurate, and According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 

Look at the last dates updated on the reports, look at the balances, payments, etc all inconsistent, how is this verified as accurate? Come on now they keep resending the same automated results back instead of actually properly doing investigations and actually doing the work they are supposed to be doing. The time wasting is not appreciated, I am very saddened to keep having to play along with the games these bureaus are playing. This have been emotionally, and mentally draining. 

Lastly I even feel like my credit score is tempered with. Different sites give me different credit scores which really dont make sense. Everything can not be verified as accurate as is. Someone must be held accountable, something seriously must be 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 non-monetary relief
Consumer complaint received 2023-05-01 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: GA

Complaint narrative:
o whom it may concern : The credit bureaus are once again violating my FCRA rights specifically 15 USC 1681 ( 5 ). According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. I previously asked Experian, XXXX, and XXXX to verify an account being reported on my credit report as 30 days late, and all 3 bureaus quickly responded that the account was verified as accurate, but that account was never verified nor accurate. I even doubt any proper investigation was done at all. The reason why I am saying that is the account is XXXX  or XXXX, but the account number is XXXX on XXXX XXXX on Experian XXXX and on XXXX Account # : XXXX XXXX XXXX Are not correct completed numbers. Xs arent any acknowledged numbers used by any known banking institutes to establish any banking accounts nor routing numbers, there for its not correctly verified to be accurate, and According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681 I have the right to privacy. 

According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 

Look at the last dates updated on the reports, look at the balances, payments, etc all inconsistent, how is this verified as accurate? Come on now they keep resending the same automated results back instead of actually properly doing investigations and actually doing the work they are supposed to be doing. The time wasting is not appreciated, I am very saddened to keep having to play along with the games these bureaus are playing. This have been emotionally, and mentally draining. 

Lastly I even feel like my credit score is tempered with. Different sites give me different credit scores which really dont make sense. Everything can not be verified as accurate as is. Someone must be held accountable, something seriously must be 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 2023-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: URS Holding, LLC
State: NJ

Complaint narrative:
I keep getting calls from different numbers daily. I looked the numbers up online and they are a part of United Recovery Systems. I answered the phone on several occasions to get to the bottom of things but the person calling would not speak. The latest instance of harassment occurred on XX/XX/2023 at XXXX XXXX EST when I received a call from XXXX. A message was left that sounded like a recording ( not live person ) claiming to be from XXXX and wanting me to contact them back at XXXX. The XXXX number is part of United Recovery Systems. I have zero debt and very perplexed as to why I'm being called daily and left deceptive messages from United Recovery Systems. It has been a real headache and I need to stop. I pay all of my bills in full each month and have zero debt. These folks never asked for me by name when I picked up the phone or in any of the messages they've left. Just like the last instance, they've pretended to be calling from a legitimate company and left a number not part of the company they pretend to be calling from. I have never received any information in the mail from a collector and have no idea how my telephone number was attached to a debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
This debt is fraudulent. It is due to identity theft. I have no information about this. I have contacted TransUnion informing them that these debts are a result of identity theft. All the information I have on this company was provided by the aforementioned credit reporting agency. They should not be allowed to put this fraudulent information on my credit report. Its not the original creditor. This is a collection agency thats not even in the same state as the original creditor. This is a collection agency thats not even in the same state as me. The original creditor isnt even in the same state as me. I do believe that the actions taken by TransUnion are racially motivated.

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 2023-05-01 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Greetings, In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX, Account number : 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.

I CAN PROVE I WAS DISCOURAGED TO PAY WHILE IN THE DISPUTE PROCESS.

I CAN PROVE I WAS DENIED ACCESS TO THE ACCOUNT TO RETRIEVE DISPUTE UPDATES AND MAKE PAYMENTS. 

I CAN PROVE XXXX TOOK ACCOUNTABILITY FOR THE MISHANDLING OF THE DISPUTE. 

I CAN PROVE XXXX PROMISED TO REMOVE/ CORRECT THE NEGATIVE REMARKS. 

I CAN PROVE XXXX RENEGED ON THEIR ACCOUNTABILITY AND RESOLUTION AND WITHOUT MY CONSENT AND DECIDED TO CREDIT ME FOR LATE PAYMENTS VS ADDRESSING THE VERY DAMAGING AND INACCURATE REPORTING. 

I CAN ALSO PROVE THAT I WAS COERCED TO MAKE A PAYMENT ON XX/XX/31 AFTER I WAS LIED TO ABOUT CORRECTIONS THAT WAS SUPPOSED TO BE MADE AND THAT PAYMENT STILL DID NOT REFLECT ON THE REPORT. 

DESPITE MY FAMILY PURCHASING A VACATION RENTAL DESCRIBED AS MODERN W/ *PRIVATE* POOL & JACUZZI, I CAN PROVE XXXX FEELS THE HOST IS ENTITLED TO BE PAID ALTHOUGH THEY ILLEGALLY RECORDED MYSELF, HUSBAND & XXXX XXXX  CHILDREN. 

XXXX XXXX ALSO WAS USED TO PAY FOR PART OF THIS BILL AND THEY DETERMINED THE OPPOSITE. 

XXXX HAS MADE ME A VICTIM OF THEIR UNFAIR PRACTICES AND POLICIES.

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 2023-05-01 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I submitted a dispute with Equifax for account XXXX XXXX on XX/XX/XXXX. How is it possible for them to complete their investigation XX/XX/XXXX confirmation number XXXX. When their website and the FCRA states a reasonable investigation takes 30 days. 

Please see attachments.

Company response to consumer: Closed with explanation