vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-25 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: MI

Complaint narrative:
my name is XXXX XXXX XXXX XXXX XXXX, on XX/XX/2023 I started disputing XXXX  XXXX accounts # XXXX XXXX  XXXX account # XXXX with no resolve ... According to the Fair Credit Reporting Act, XXXX  XXXX and consumer reporting agencies has violated my right to Privacy. 15 USC 1681 sec 602, 15 USC 1681 sec 604 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.

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 2024-01-25 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: MI

Complaint narrative:
my name is XXXX XXXX XXXX XXXX XXXX, on XX/XX/2023 I started disputing XXXX  XXXX accounts # XXXX XXXX  XXXX account # XXXX with no resolve ... According to the Fair Credit Reporting Act, XXXX  XXXX and consumer reporting agencies has violated my right to Privacy. 15 USC 1681 sec 602, 15 USC 1681 sec 604 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello. In the process of home buying, I realized there was a lot of information on my credit report is completely inaccurate. I decided to begin correcting my personal information first, as it seems the most concerning. I also put credit freeze on all my accounts until I can resolve this and disqualify the possibility of identity theft or fraud. 

I sent certified mail with explanation to Experian. They responded with many items corrected, but they failed to correct all of the items. With my letter I included extensive proof. I have no idea where many of the addresses or names come from. My name has never changed, they did not even remove the obvious completely different spellings. My cousin shares my unique first name and I realize there are a lot of discrepancies that possibly belong to her and not even myself. 

If they dont correct this with the evidence included, how do I correct it? 

After reaching to the companies on my report I couldnt even get past the verification or disclosure due to lack of correct responses. 

These credit bureaus should be following the law. I feel very worried and concerned and feel like Experian is causing my future significant harm by not correcting issues. 

Please assist in resolving this so I can continue clearing my name of information that is not tied to me and never was. 

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 2024-01-25 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: CA

Complaint narrative:
My credit report is showing a major inaccuracy and it is causing me unnecessary panic and stress. This error in reporting is affecting my day to day life and more importantly my ability to get a car, which I desperately need. The bureau really failed to make sure that they did their due diligence and did not check the accuracy of their information before reporting which is now taking the larget toll on me and my life.

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 2024-01-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Deinde Online Services, LLC
State: AR

Complaint narrative:
Ive previously submitted a complaint with this company about it being on my credit report and the information being inaccurate. In their response they stated that they no longer owned the account # XXXX and the original creditor was not reporting the account to the credit bureaus anymore. Ive disputed on XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX responded to XXXX XXXX that the information they provided was correct and it was not removed from my report. You can see XXXX XXXX XXXX XXXXXXXX XXXX XXXX in the complaint # XXXX that the account # XXXX I spoke of is no longer being reported. I disputed the account through XXXX XXXX on XX/XX/year> and have several times since. They have not sent me information of the debt owed and they still give inaccurate information to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: NY

Complaint narrative:
I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Acceptance Corporation
State: KY

Complaint narrative:
World Finance Corporation A charge off is a certificate of indebtedness. I am revoking any security interest that I willful gave to you. I will be filing a civil lawsuit for securities fraud. I revoked any written permission I gave to transfer, sell, or share my personal indentitying information to any third party and or non-affiliated parties. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-01-25 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: DISCOVER BANK
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act. Discover Bank has violated my rights Under 15 USC 1681 Section 6O2 states I have the right to privacy 15 USC 1681 Section 6O4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USACS 1666B A creditor may not treat a payment on an credit card under an open-end as late for any purpose. 


The account is reflecting a late payment in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I submitted a complaint to your bureau about this matter in XX/XX/year> as complaint XXXX. The complaint explained that Capital One Bank closed my Capital One Savings Now account number XXXX for inactivity, and, rather than refunding the {$6.00} balance to me, the bank mailed me a final account statement and claimed to have escheated the {$6.00} balance to the State of Florida 's unclaimed property department. In other words, the bank had my address so as to be able to mail me a final account statement but chose not to use that knowledge of my address to refund me the balance from the closed account. When I filed the complaint with your bureau in XX/XX/year>, Capital One responded by alleging that they had escheated the funds to the State of Florida 's unclaimed property department. That allegation was a lie. As of today -- 9 months after the bank closed my account -- the Florida unclaimed property department does not have any unclaimed property in my name, nor has it ever had any unclaimed property in my name since Capital One closed my savings account. I spoke to an employee of that department who assured me that, if Capital One had escheated the balance from my savings account to their department in XXXX, XXXX, or XXXX of XXXX, it would be listed on their website by now. It is no so listed. So Capital One simply kept my money. I have read on social media that many other Capital One customers have experienced the same fraudulent scheme committed by Capital One, i.e., the bank closes an account, claims to have escheated the account balance to the account owner 's home state 's unclaimed property department, but never does. I am asking you to investigate this fraud on my behalf and on behalf of all other consumers who have been defrauded by Capital One 's practice of claiming to escheat money from closed accounts to account holders ' state 's unclaimed property department, but actually converting the funds to Capital One 's ownership. Obviously, {$6.00} is not a lot of money, but I am pursuing this matter to expose and end Capital One 's widespread practice of claiming escheatment as a cover for stealing funds from consumer bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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 don't want to have this on my credit XXXX -- XXXXXXXX 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 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Meta Payments Inc.
State: TX

Complaint narrative:
XX/XX/year> XXXX  XXXX XXXX Disputed Charges XXXX XXXX XXXX XXXX, Texas XXXX Dear Sir or Madam, The reason I am disputing this charge is that it was an unauthorized transaction. I had saved my payment information in XXXX due to a prior purchase through XXXX involving a different merchant. Unbeknownst to me, XXXX had inadequate protections in place to prevent unauthorized transactions. I had never visited this merchant before and had no interest in their products ; however, an order was placed via XXXX while my phone was in my pocket. Unlike other services such as XXXX that requires you to double-click on a side button to confirm an order, XXXX has no protocols to prevent pocket orders. When I pulled my phone out of my pocket, I saw an unauthorized order had been placed. I immediately contacted the merchant via a link on XXXX and noted that I had never placed this order and did not want the item. The merchant indicated that they would cancel the order. However, they failed to do so, and the item shipped out. I contacted them via email numerous times trying to remedy this issue. Their responses seemed automated, almost as if they had been written by Artificial Intelligence. I repeatedly asked for a return label so I could return the product and be refunded. However, they would never send the return label, instead referring me to another link that did not function. I am attaching email correspondence showing that I reached out to this merchant on numerous occasions. I also filed a formal dispute with XXXX. Their customer service was abysmal, and I could not reach out to them following the methods specified via the app. [ I intend to forward this correspondence to the FTC so that the FTC can look into XXXX and XXXX  business practices. ] Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
It is utterly unfair to come across late payments on my account, especially given my unwavering history of timely payments. I demand the prompt correction of this error. I kindly implore you to swiftly rectify this situation and guarantee that my account accurately represents my history of punctual payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: IL

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2024-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX : I opened a checking account with Chase Bank online, and transferred {$3000.00} from my XXXX XXXX  savings account via ACH. 
XXXX : I transferred {$900.00} to the Chase Bank checking account from my XXXX checking account. 
XXXX : I get an error signing into my Chase account and a message telling me to call Customer Service. They call and tell me they closed my account due to suspicious activity. 
XXXX : I call Chase Customer Service again to ask about the refund for the transfers. They tell me to call back in 3-5 business days for a tracking number. 
XXXX : I call again and they tell me to call again in 3-5 business days. 
XXXX : I call again and they tell me to call again in 7 business days. 
XXXX : I call again and they tell me to call again in 7 business days. 

It has been almost a month since they closed my account and no word of any refund being sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Portfolio Services, Inc.
State: OR

Complaint narrative:
I sent the company, XXXX XXXX, a verification letter on XX/XX/XXXX and they never responded to the letter, I sent them 2 letter one they responded to concerning the {$1500.00} debt and they took it off but the {$20000.00} debt they didn't responded and I sent the letter the same day. Both where sent through certified mail. They took the the small debt off my report but have left the bigger one and haven't responded to my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: TN

Complaint narrative:
noticed various problems with my credit reports and need them to be fixed there is a letter describing all of these issuses

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 2024-01-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
XX/XX/2023 I submitted a payment of {$69.00} through my bill pay service on my bank account - XXXX XXXX Bank to XXXX XXXX. 
Funds were debited from my account. 
I provided proof of payment and funds being debited from my account. 
However, they continue to claim they can not find my payment and I am still responsible for this payment. 
I have been contacting them concerning this incident try to resolve it since XX/XX/2023 with no resolution. 
I have provided all documentations they asked for directly from XXXX XXXX Bank. 
They continue to tell me it is under investigation, however I am continually being charged late fees of {$30.00} per month.

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 2024-01-25 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: FL

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 non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: PA

Complaint narrative:
In XXXX I was set to appear in magistrate for debt but was never served any paper or notice. Commonwealth Financial Systems stated that I was notified at XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX was who entered my appearance and also worked for this debt collector. She signed the original filing docket as the plaintiff, but appeared on my behalf without CONSENT, the continuance request she asked for was XX/XX/XXXX. I was not notified nor present. I was in XXXX colleges dormatory. 
In XXXX of XXXX I received a letter from Commonwealth Financial Systems stating their intent to collect. I contacted the original magistrate and was informed this judgement was expired in XXXX. An attorney said to ignore the letter due to it not being sent certified mail, or by constable. 
The next letter stated a sale of debt to XXXX XXXX in XXXX XXXX Georgia. Where one again XXXX XXXX XXXX appeared for me. I was not notified. XXXX XXXX XXXX deputy XXXX XXXX and I corresponded and this document of sale does not exist in Georgia. 
Commonwealth Financial Systems was able to have {$8400.00} taken from my savings account at XXXX XXXX without my knowledge nor consent of these intentions or legal disclosure. I was not notified to have any ability to defend myself by any of the acting parties. 
The debit in my savings account statement was listed as Commonwealth Financial Systems. However the writ received by XXXX stated XXXX XXXX XXXX XXXX who are not a law firm, who did not file any court papers, but XXXX XXXX XXXX XXXX is the person on my bank statement. 
This law group is performing shady practices and somehow being able to get away with it. 
I have every single piece of paper from the courts, counties, and states ( which I was not residing in, or never resided in ). 
I want their Barr license removed, I want their inc investigated, and I want my funds returned. I am as a United States citizen guaranteed a fair trial or means to defend myself. 
They never even had an account number for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My Student Loan is now paid off as of XX/XX/year>. However, XXXX XXXX has now REMOVED the paid tradeline off of my credit report which also DELETES over 25 years of good paying history. 

This is a very important component of credit scores and after paying satisfactorily for 25 years, this tradeline does not even show up like I ever had this loan. This should still be on my credit reports for the next 10 years after it was paid off.

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