vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-02 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: CA

Complaint narrative:
On XX/XX/year>, I looked on my credit report and I noticed some inaccuracies. I sent a letter to XXXX on XX/XX/year>, to investigate these accounts XXXX sent certified mail. They sent me their investigation and said those accounts were accurate. And according to 15 USC 1681i ( 5 ) I see it states after reinvestigation under paragraph ( 1 ) of any information disputed by consumer, an any item of information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not reinvestigate and violated my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
The original creditor, Capital One charged off a credit card debt. Then it was sold to a debt collection agency, XXXX XXXX. The file was sent back to the original creditor, capital one. I never received a 1099 C form after the cancellation of debt from Capital One. Now capital one is trying to sue me in court for the same debt that was charged off in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: IN

Complaint narrative:
To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX  XXXX XXXX Account XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXXXXXX XXXX XXXX Account XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXXXXXX XXXX XXXX  Account XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this 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 2024-08-02 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: IN

Complaint narrative:
To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX  XXXX XXXX Account XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX Account XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately! 

XXXXXXXX XXXX XXXX Account XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Revenue Cycle Associates, Inc.
State: GA

Complaint narrative:
This company ( Revenue Recycle ) billed the denied claim by insurance company to patient. According to insurance company, a patient does no have responsibility to pay the denied claims as long as the patient went to in-network providers which I did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I submitted a dispute in XXXX 2024 which Equifax says was resolved. During the same month I signed up through XXXX for their credit monitoring services which provided access to both XXXX and Equifax report. 

Ever since XX/XX/XXXX none of my creditors ( XXXX XXXX, XXXX XXXX, XXXX, etc. ) have been able to pull my credit. I can not get a car loan, credit line increase or new credit because my Equifax file can not be accessed. 

I was given XXXX different case numbers with Equifax ( Consumer Affairs ) each promising they would fix the problem. Only to be told later that there are no freezes on my report and they can not help me. So my credit can not be pulled and they will not find the issue. 

Either XXXX credit monitoring put a code in that is blocking my report or someone at Equifax did the same when entering my dispute. 

I am beyond frustrated and need assistance as it is causing great stress for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: DISCOVER BANK
State: CA

Complaint narrative:
I requested an individual home equity loan from Discover home loans. They included my spouse 's separate debts in my debt to income calculation, though my spouse is not an applicant. I asked why and they said because we are in a community property state. My spouse has his own source of income and pays his own individual liabilities ( incurred as his own separate business expenses ). I am not a joint debtor in any of those debts. As a result of including my spouse 's debts as my liabilities, I was offered less credit than I requested. How is this in compliance with equal credit opportunity act? It seems discriminatory for married applicants because my financial situation is not considered individually despite having applied individually. 

Upon receiving the title report, they requested my full trust document and refuse to accept my certificate of trust. They failed to provide an explanation why even after I shared the XXXX  probate code which requires that they accept my certificate of trust in lieu of the full trust. I have had the trust for more than 10 years and this is the first lender to refuse to accept the certificate & fail to provide any explanation why.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos XXXX  XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of XXXX XXXX I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 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: Self Financial Inc.
State: MO

Complaint narrative:
Dear SELFINC/LEAD, I am writing to formally address a serious violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as the relevant laws governing identity theft and credit reporting in XXXX XXXX, MO XXXX 

It has come to my attention that SELFINC/LEAD has engaged in unauthorized reporting to my credit report without my explicit consent. Under federal law, specifically the FCRA, the consent of the consumer is a mandatory requirement for such reporting activities as stated in Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, particularly under the Missouri Revised Statutes, emphasizes the necessity of consumer consent for credit reporting. The Missouri Fair Credit Reporting Act outlines similar protections, ensuring that consumers are not subjected to unauthorized reporting. Furthermore, XXXX identity theft laws highlight the seriousness of unauthorized access and misuse of personal information. 

I assert with absolute certainty that I have not provided consent for SELFINC/LEAD to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially damaging my creditworthiness and showing a disregard for both federal and state laws. 

I demand thatSELFINC/LEAD immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including those related to identity theft. 

I want to emphasize that obtaining consent is not optional ; it is a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, which are designed to protect consumers like myself from unauthorized and damaging credit reporting. 

I expect your immediate attention to this matter and anticipate that SELFINC/LEAD will promptly rectify these violations, respecting my rights under federal and state laws. 

Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Newport Intermediate Inc.
State: FL

Complaint narrative:
Hi there, I recently got a prepaid XXXX for donating plasma as XXXX XXXX. I did this for moral reasons as well as personal. XXXX XXXX seems to contract with Northlane and XXXX XXXX  for the handling of these prepaid cards. Every time I've tried to use this card, I've run into problems. I tried to pay for an academic transcript, which declined, I tried to use a different transcript company, which also declined, I tried to transfer the money to cashapp so I could spend it directly, which also declined. Every declined transaction also seems to come with fees, as the balance is declining. I called them and they claim every time that it's their " risk strategy '', and they'll escalate to a higher " risk team ''. This is not only frustrating, but the fees for the declined transactions are racking up. I would like Northlane and XXXX Banks to correct this and streamline their risk assessment process so other consumers can access their funds without hassle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit 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: SANTANDER HOLDINGS USA, INC.
State: NH

Complaint narrative:
Since XX/XX/year> a merchant, XXXX XXXX XXXX ( XXXX ), has attempted to process seven refunds to my Santander Mastercard related to merchandise not received or cancelled from two transactions. Per information provided by the merchant, these refunds have been declined by Santander. XXXX has provided documentation supporting the refund declines to me, and I have forwarded this information to Santander. 

Over the last several weeks, I have placed numerous calls to Santander attempting to resolve this issue. As of XX/XX/year>, per discussion with Customer Service Department Supervisor XXXX, a request regarding this matter has been sent to the Card Maintenance Department, which has yet to respond. I was first told this matter has been sent to the Card Maintenance Department in a discussion with a Customer Service Department Manager on XX/XX/year>. Based on today 's discussion with XXXX, it has been nine days and this internal department with Santander has yet to provide requested information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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:
In accordance with the Fair Credit Reporting act. This account 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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C. This account has been disputed under identity theft which was reported to your CRA and the then creditor turned around and sold it to a collection firm. Please see attached documents provided by this collection firm. None of the signatures match my signature ( see also attached drivers License ). The account details are as follows : XXXX XXXX XXXX and Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
I called the collection agency 's office phone number on Friday, XX/XX/year>, ( XXXXXXXX XXXX  XXXX ) and spoke with XXXX XXXX. I explained that I have been receiving text messages from the collection agency stating I had an outstanding balance which they were working to collect. I told her that I clicked on the link in the messages, and it pulled up a page saying " Welcome, XXXX, '' and asked me to enter my ZIP Code. I did not enter my zip code and instead click " this is not me '' I informed the representative that my name is not XXXX and my brother 's name is XXXX. I requested that they remove my contact information and to stop contacting me, as I am not responsible for the debt. The representative said that they would no longer contact me. I asked them to confirm they have the correct phone number and that they would stop contacting me. I also asked for a reference number for the call, but they said they would not provide one. 

Link from Credit Management , LP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX & XXXX The Offices of Credit Management , LP XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX TX 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 explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Falsely reporting a fraudulent account on my report as Charged off as bad debt. 

Between XX/XX/year> and XX/XX/year>, the following remark was removed from this account : Remark code removed from TD BANK USA/ TARGET CREDI account Between XX/XX/year> and XX/XX/year>, the following remark was added to this account : Remark code added to TD BANK USA/TARGET CREDI account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: TX

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax hasn't updated information on my file since XXXX XX/XX/2024. I've had multiple changes to my credit including adding two credit cards. When i applied for a credit limit increase with XXXX XXXX I've been denied. XXXX XXXX XXXX  reason for the denial was unable to get information from Equifax. 
XXXX XX/XX/2024 I called Equifax, and said that they needed my identification and social security card. 
I have sent them a copy of my driver 's license showing my current address and a copy of my social security card. I've talked to a Equifax supervisor and they verified that they had what they needed and would correct my report XXXX is XX/XX/2024 and no corrections have been made

Company response to consumer: Closed with explanation