vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capstone Credit & Collection, LLC.
State: WA

Complaint narrative:
This company claims I owe them nearly XXXX dollars and its hurting my credit score. Ive tried to dispute it as I do not owe this company anything. I asked for them to please send paperwork stating why I owe the said amount and to please verify that their information is correct and I explained how Id like proof. No proof was sent over. As a matter of fact the company was unable to pull up any information on their end. 
Please delete this account from my credit reports, all three bureaus please. 
I am tired of being ignored. I am tired of my disputes being ignored. I want proper verification and they refuse to provide or delete from my credit profiles

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

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 2023-11-10 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: U.S. BANCORP
State: WI

Complaint narrative:
I made XXXX payments related to XXXX purchase order - {$290.00} and {$360.00}. product was never delivered, and vendor stopped communicating. I opened a dispute with the credit card company, and they behaved in an arbitrary and predatory manner where they " randomly '' and illogically reveresed the EARLIER, and LOWER, of the payments ( {$290.00} ) and did not refund the other payment ( {$360.00} ) I made a purchase of a XXXX device - a customized digital storage device - from a company in XXXX XXXX The reservation order was made on XX/XX/2023 for {$290.00}. The estimated delivery date was stated as " End of XX/XX/2023 '' A couple of weeks later I made payments on the customizations option of the device with a {$360.00} payment on XX/XX/2023. 

After the delivery date lapsed, I reached out to vendor who said it would be delayed and later totally vanished and stopped responding. At that point I submitted a dispute with the credit card company and was shocked to see how they are acting in a predatory, abusive, and arbitrary manner. 
If the payments are related to the same purchase, how can you logically reach a different outcome? 

I have made multiple calls to the credit card company trying to resolve this. The service reps acknowledge how ludicrous this situation is but kept claiming that they " follow policy '' and this is " out of their control ''. This is especially worrisome, because it highlights that they maintain this predatory and abusive behavior as part of a corporate policy.

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 2023-11-10 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: TN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-11-10 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: TN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-11-10 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: GA

Complaint narrative:
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior

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 2023-11-10 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: IL

Complaint narrative:
I am requesting that the late payment markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you contact me or the customer service representative of the said account. The account payment history is reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.

Kindly update or correct the payment history of this reporting account as soon as possible. If you don't comply with the request, the account should be repaired right away.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 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: CA

Complaint narrative:
I applied for a car loan with my XXXX XXXX who pulls a credit report from equifax. They said they could not pull anything and that it said I have match fraud ID. I contacted equifax and they said they could not verify my identity. They told me to send my documents and I did. I received a letter from them XX/XX/XXXX saying they could not locate a credit file. I have a credit report with the other credit bureaus. I contacted XXXX XXXX credit bureau XXXX XXXX XXXX and sent more of my information. so received mail from them XX/XX/XXXX saying XXXX or more of the consumer reporting agencies have determined that there XXXX be a discrepancy on your credit report. Equifax refuses to get me in contact with a supervisor and says it is my banks problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: NY

Complaint narrative:
Student loan repayments started back up. I signed in with MOHELA, my current servicer, and saw that I had made the requisite number of payments to fulfill my public service loan forgiveness. They continued to send me letters about repayment. I called customer service and then was put on hold for over an hour before finally giving up. I emailed them on multiple occasions but did not receive any confirmation that they were working on the issue. Last month, I signed in and saw that I no longer had a payment due. I assumed this meant, they had sorted out the problem. Today I received a letter that they would be auto-debiting {$400.00} from my bank account in XXXX. So, I emailed them again and pointed out that I had reached the requisite number of payments for forgiveness. As before, I have received no notification that they got my email or that they will get back to me. I do not expect that they will ever get back to me. I'm sure you can understand how frustrating and stressful it is to worry that they will be taking money from my bank account that they should not be taking and have no control over the situation and no way to get through to talk to a customer service representative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXXXXXX {$150.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$730.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 2023-11-10 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$730.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 2023-11-10 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: OR

Complaint narrative:
Apparently, I dont have a credit report that exists on any of the credit bureaus. So whenever someone goes to verify my Social Security number through the credit bureaus it says that I dont exist and the numbers dont match.

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 2023-11-10 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: OR

Complaint narrative:
Apparently, I dont have a credit report that exists on any of the credit bureaus. So whenever someone goes to verify my Social Security number through the credit bureaus it says that I dont exist and the numbers dont match.

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 2023-11-10 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: CA

Complaint narrative:
XXXX XXXX XXXXdebt sold it agin to XXXX  account currently listed on my consumer report which is a direct violation of the FDCPA. I am refusing to pay this alleged debt and demand that this company cease and desist with any further negative reporting on my consumer report or they will be sued in federal court for trying to collect on a debt that I do not owe them. I have never sign contracted with this company and demand that they provide proof that I signed a contract with them and agreed to pay them any money for the alleged debt. Any further attempt to collect is a federal crime under 18 USC 894 as this company is attempting to collect on an extension credit. Since they will not be able to prove that I owe them any money, I demand these accounts be immediately removed from my consumer report as this information is harming my credit reputation. The account is as follows XXXX also fail to send a updated report to me also denied me any information on me in they file I recored our phone call as well saying the documents I sent wasn't legible but they sent in a dispute XXXX has made this really hard to communicate with them I also has recored call with the members at XXXX telling me they did a dispute with companies with the documents they said they didnt receives

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 2023-11-10 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: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
They reported the wrong name, address, and employer on my credit report. 
I wrote a dispute letter to have them corrected but nothing was 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 2023-11-10 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: FL

Complaint narrative:
I submitted a dispute with Experian about the wrong name, address, and employer on my credit report but nothing was 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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute incorrect personal info and inquiries that are reported on my credit report. I never authorized the listed items and therefore them reporting on my credit constitutes a violation of my consumer rights to privacy.

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 2023-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
On XXXX and XXXX I called and confirmed that if I had made a payment by phone, the amount would be available for a out of country trip I was taking on XX/XX/XXXX. I was told by multiple agents that as long as the payment was made by XXXX XXXX, the funds would be available the next XXXX  at XXXX XXXX. With this in mind, I made the payment. On the XXXX  of XX/XX/XXXX, the funds were not available. I called and they informed me their procedure won't allow them to make the funds available until XX/XX/XXXX. At this point I had paid the {$600.00} payment and couldn't make other arrangements to use a card out of the country, leaving me without an option for our time in XXXX. These calls were recorded and serve as proof. These calls were made to avoid the situation I know find myself in. This has put me and my family in a tough spot financially but also will make it tough to do the things we wanted to do on the trip.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
TD Auto finance employee XXXX # XXXX, during a monitored call with me exhibited extremely rude and reprehensible, unprofessional conduct. She also violated company policy by refusing me the right to speak with her superior, after I asked for a supervisor several times. Instead she opted to argue with a customer/myself! XXXX XXXX held a lengthy conversation with me regarding my account, once I expressed my desire to speak with a supervisor she then opted to inform me that per td auto finance policy she was not allowed to speak with me regarding my account and Id need to contact the third party thats representing TD Auto, to settle my account. Interestingly, XXXX violated company policy long before attempting to use policy as a means of retaliation for me requesting a supervisor. It was fine for her to discuss my account initially but when I want satisfied with the information she had given me and requested a supervisor, then suddenly she couldnt discuss my account. Also, she placed me on hold to contact a supervisor only to return and tell me that her mysterious supervisor said it was against policy to speak to me. I asked for that supervisor name etc. only for XXXX to tell me that she was not allowed to share that information. Which again was a blatant lie. Nevertheless, by her own admission she violated company policy which warrants disciplinary actions aside from her poor customer service.

Company response to consumer: Closed with explanation