vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-27 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
This account is a matter of Identity theft. Remove from my credit immediately. Also the account has inaccurate and fraudulent information that does not mirror each other through the credit bureaus it is being reported by XXXX XXXX Account # XXXX Transunion Account # XXXX XXXX  Account # 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 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: United PanAm Financial Corp.
State: PA

Complaint narrative:
I called this company as well as sent certified mail letter from my lawyer asking this company to provide me with information about this account such as a contract and 1099 showing the amount I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

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 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 explanation
Consumer complaint received 2024-07-27 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: IA

Complaint narrative:
This account is a matter of Identity theft. Remove from my credit immediately. Also the account has inaccurate and fraudulent information that does not mirror each other through the credit bureaus it is being reported by XXXX Equifax Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 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: IA

Complaint narrative:
This account is a matter of Identity theft. Remove from my credit immediately. Also the account has inaccurate and fraudulent information that does not mirror each other through the credit bureaus it is being reported by XXXX XXXX Account # XXXX XXXX Account # XXXX Experian Account # 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 2024-07-27 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: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX {$16000.00}, XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX # XXXX {$16000.00}, XXXX XXXX XXXX # XXXX failed to give me my " Mini-Miranda '' XXXX days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Marandi under Section807 ( 1 ) XXXX  XXXX XXXX # XXXX {$16000.00}, XXXX XXXX XXXX # XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX # XXXX {$16000.00}, XXXX XXXX XXXX # XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX # XXXX {$16000.00}, XXXX XXXX XXXX # XXXX is in compliance with XXXX XXXX. I also have report this account to the FTC, and XXXX XXXX XXXXXXXX. I need this collection account to be removed from my credit report XXXX XXXX XXXX # XXXX {$16000.00}, XXXX XXXX XXXX # XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

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 2024-07-27 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: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX # XXXX failed to give me my " XXXX  '' XXXX days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and XXXXXXXX  under Section807 ( 1 ) AUTOMOTIVE XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX # XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$XXXX per violation XXXX XXXX XXXX # XXXX {$16000.00}, XXXX XXXX XXXX # XXXX is held liable as well for defamation and in the state of XXXX indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX is in compliance with XXXX XXXX. I also have report this account to the FTC, and XXXX XXXX XXXXXXXX. I need this collection account to be removed from my credit report XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX # XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I signed up for {$200.00} cash back I completed all requirements Capital one doesnt want to honor the promo and are providing am type of excuses not to issue the promo I did not receive a bonus previously

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/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 explanation
Consumer complaint received 2024-07-27 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: IL

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

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 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

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 2024-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
UR COMPLAINT 15 U.S. Code $ 1681c-2. XXXX XXXX XXXX experienced a significant data breach in 2021. In XX/XX/year>, it was reported that hackers had stolen the personal information of about 70 million XXXX & XXXX customers, including myself. The stolen data included names, phone numbers, physical addresses, Social Security numbers, and dates of births. I want these items deleted from my credit file. XXXX XXXX XXXX XXXX As an affected customer, I am deeply concerned about the potential misuse of my personal information, including my name, phone number, physical address, Social Security number, and date of birth. The exposure of such sensitive data put me at risk of identity theft, fraud, and other malicious activities. I am requesting the following actions to mitigate the potential impact of this breach : Credit Monitoring and Identity Theft Protection : I request thaXXXX XXXX XXXX XXXX provide complimentary credit monitoring services and identity theft protection for a minimum of two years. This should include regular credit reports, alerts for suspicious activity, and access to identity restoration services if needed. Assurance of Enhanced Security Measures : I would like a detailed explanation of the steps XXXX XXXX XXXX is taking to enhance its security measures to prevent future data breaches. This should include information on improved data encryption, access controls, and employee training. Compensation for Any Losses : In the event that I suffer any financial losses or damages as a result of this data breach, I request that XXXX XXXX XXXX provide fair compensation to cover these losses. This includes reimbursement for any expenses incurred due to the breach, such as costs associated with credit monitoring and legal fees. Please acknowledge receipt of this letter and provide a response outlining the steps XXXX XXXX XXXX will take to address my concerns. I trust that XXXX XXXX XXXX values its customers privacy and will take the necessary actions to resolve this matter promptly and satisfactorily. Thank you for your immediate attention to this serious issue. 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 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: CA

Complaint narrative:
I have not been able to access my Trans Union Credit report since XX/XX/year>, I called customer service ( XXXX XXXX XXXX XXXX, some gets on the line ( for the hundredth time ), asks for me-for every verfication in the book, then I am told a link is sent to change my password, I have repeatly asked the Representatives '' to stay on the line until I recieve the link '', they say " the link will be recieved once the release the call ''. I get off the phone and wait for a link, code, whatever from Transunion-NOTHING, this happens every week since XXXX. XXXX months of trying to get assistance from Trans Union to at least receive my ANNUAL CREDIT REPORT, that I can't get, even with the many companies that have exposed my data. No one, especially a XXXX XXXX with both hands horribly XXXX  should be trying to get my own information from a repository data company like Trans Union. 
I can not correct, what I dont receive and I am entitled to my credit report weekly.

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 2024-07-27 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Three weeks ago you could not find a hardcopy of my statements. Nor could you find my police report and list of transactions sent into XXXX XXXX and XXXX XXXX XXXX of XXXX. My police report has seemed to have vanished all of a sudden from your system? How? This was very important because XXXX felt that my computer hacking my personal accounts being drained and the fraud going on with your bank could have all tied into together. So the fact that this has vanished is shocking to me. But so are the dates you have and the statement I was sent has been left without telling me why there are double debits and how they too have vanished and a new statement in its place now exists.Seems to me that your documents and dates change as does the amount of my claim. So let me set things straight on how things went down. Being that your system is not reliable. XX/XX/XXXX I brought to the attention of BofA the fraudulent activity. XX/XX/XXXX I sent in my police report and XXXX of fraudulent transactions. I at this point was continuing to get my money back in what your bank is now calling " returns '' its a bit hard to return XXXX when that is an online platform. As is XXXX and stores were opened numerous times various spellings of my name and store. I dont need XXXX or XXXX I have been selling online for XXXX years. So it is not a return. In XX/XX/XXXX XXXX phoned me from his cell and he was leaving the bank so he didn't care what he was saying to me ( XXXX XXXX also knew of this call ) I was told that " investigation was being looked into for a second time and that today was his last day.He said there was zero proof that these transactions are mine and that they have no photos from anyplace ( I knew at the time photos were available ) He said photos unless from another BofA branch wont be requested the bank never asks for them. He said that they pulled up a map looked at the transactions where i live in comparison to those transactions. Of course my next email was straight to XXXX. You cant tell me that becuase I live within XXXX miles of a place that is my transaction. 

Below are the dates I emailed XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX Explanation of the statement sent to me by your bank XX/XX/XXXX and how did this statement change between then and now? Someone hit the delete button

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 2024-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cascade Capital, LLC
State: KY

Complaint narrative:
On XXXX XX/XX/XXXX, I contacted the VA ( Veteran Affair Nurse Practitioner ) XXXX, TN about an injury that I had. The VA instructed me to go to the nearest hospital ER for authorized service. Once there I gave the XXXX XXXX XXXX XXXX XXXX Ky the VA approval information ( insurance ). I was seen for service. The hospital billed the ER visit correctly through the VA, but the service provider bill was never sent to the VA for processing. In XX/XX/XXXX APP of Kentucky XXXX, XXXX contacted me about this bill. I provided the company my insurance information. I was never contacted via phone or letter that this bill was never paid. On XXXX XX/XX/XXXX I was notified by Cascade Capital Funding , LLC that I have a debt. I have tried to reach out to the hospital, APP of KY and Cascade to resolve this collection. with zero luck. I have been in contact with the VA, they are aware of this bill, but can not process the bill with the debit collector, only with the hospital. The hospital will not reinstate this medical bill saying that the VA doesn't pay for medical care with XXXX XXXX. Which is incorrect ; the VA authorized my visit. I have contacteXXXX XXXX XXXX XXXXXXXX XXXX, unfortunately this company has no jurisdiction over my complaint since the VA XXXX was going to cover this bill. I feel like I am going in circles, and I don't know the next step to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
A XXXX XXXX was applied for and opened in my name on XX/XX/year> with a XXXX credit limit. I did not apply for this account and have never had a discover credit account. I have filed several disputes and reach out to XXXX as well with no results. I sent them a letter asking for documentation of the Investigation and have not received any information from them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

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. 1681 c ( 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 response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: Credit Karma, LLC
State: FL

Complaint narrative:
several credit checks were done by credit karma and fraudulent accounts were open on my behalf. 
when I contacted credit Karma they said not to worry that soft hits didi not affect my credit but the reality is someone opened an account in credit karma with an email that does not belong to me XXXX or has ever been associated with me checked my credit report on multiple times : XXXX and XX/XX/year> I recently learned that someone opened a business account with XXXX which is also fraudulent. 
Credit Karma should verify emails before opening an account and at least XXXX factor authenticators with true information form the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: IL

Complaint narrative:
I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.

Company response to consumer: Closed with explanation