vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-13 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: IL

Complaint narrative:
All reference credit reporting agencies are illegally reporting nonpublic private information I never gave them consent to report on my consumer report in accordance to the requirements of the GLBA. I have officially filed a fraud report with the FTC to have these accounts Investigated. The account numbers are : XXXX XXXX ( XXXX ) -XXXX XXXX XXXX ( XXXX ) -XXXX  XXXX  ( XXXX ) XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) -XXXX XXXX ( XXXX ) By law XXXX  XXXX and or the credit reporting agencies are to block this information within 4 days from receipt of this notice. If this information is not deleted within 4 days I will be moving forward with filing a lawsuit.

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 2024-10-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/XXXX I was notified of a fraudulent charge of XXXX dollars this was blocked. And I noticed 3 more charges of XXXX XXXX XXXX Appeared on the card. All were made without authorization or the use of my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I was a loyal customer of XXXX for more than 4 years. i disconnected XXXX services on XX/XX/XXXX and transferred my services to different service provider and ported all active mobile numbers. I also talked to XXXX customer services representative ( XXXX  ) on XX/XX/XXXX and confirmed that the account has been deactivated and will be closed. She confirmed that XXXX will charge {$140.00} on XX/XX/XXXX for service period ( XX/XX/XXXX - XX/XX/XXXX ) because the billing cycle has already initiated. but in next billing cycle XXXX will reimburse me for the un-used services from XX/XX/XXXX ( service deactivation date ) to XXXX which is approximately {$70.00}. I lost XXXX online account access on XX/XX/XXXX after the services were de-activated. On XX/XX/XXXXXXXX XXXX instead to reimbursing {$70.00}, charged {$64.00} on my credit card. On talking to XXXX Customer service representative i discovered that XXXX activated a closed line. this line was deactivated more than 2 years ago. I didn't requested XXXX to activate any line and this line did not have any sim card associated to it. it didn't had any call history or data history as nobody was your this number. I was assured that XXXX will deactivate the line and try to reimburse me. Based on that conversation and previous Customer service experience. I requested XXXX  XXXX XXXX to put a hold on any new charges from XXXX and also initiated a dispute on credit card charges for {$70.00} and {$64.00}. which XXXX  XXXX XXXX reverted back on XX/XX/XXXX. This were the exact amount that XXXX promised to reimburse. In order to avoid any mis-understanding and get updated status i talked to XXXX representative ( XXXX ) on XX/XX/XXXX at XXXX XXXX. XXXX confirmed that there is no Balance due on the Account and the account is closed. Now, Even after multiple confirmation XXXX representatives, XXXX has sent the account to the Collection agency ( Radius global solutions LLC ) . They want to charge me for un-used services, Refund charges and late fee. where as i don't Owe they anything. the account balance is $ XXXX.which was confirmed by their multiple representatives. XXXX conduct is unfair, I have been their loyal customer for 4 year, have always made every payment on time as well as appropriately submitted request to closed the account and paid all balances. I am still being forced to suffer from unfair monetary and mental pressure. I Request CFPB to take appropriate action and help me resolve these credit issue.

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 2024-10-13 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:
This morning, I discovered unauthorized inquiries on my credit report and I dont understand why theyre there. I regularly check my credit report and never had this issue before. I refreshed the page several times to make sure it wasnt a browser glitch, but the inquiries remained. I am extremely frustrated by this, and I need my documents to be carefully reviewed to ensure this issue is resolved once and for all.

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 2024-10-13 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: IL

Complaint narrative:
I need your assistance regarding the false information being reported on my credit report. This matter is serious, as it has negatively affected my reputation, and I need your intervention. Your mishandling of my credit report has caused significant harm, and the incorrect reporting has damaged my standing. It's crucial that you remove these false details 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 2024-10-13 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: AZ

Complaint narrative:
On XX/XX/year>XXXX  a bankruptcy was placed on my credit report without my permission.

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 2024-10-13 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ACCOUNT : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) : # XXXX, and Bank Credit Cards Inquiry : XXXX  XXXX, Date of inquiry : XX/XX/year>XXXX  violated my rights. I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 2024-10-13 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:
All reference credit reporting agencies are illegally reporting nonpublic private information I never gave them consent to report on my consumer report in accordance to the requirements of the GLBA. I have officially filed a fraud report with the FTC to have these accounts Investigated. The account numbers are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) By law XXXX  XXXX and or the credit reporting agencies are to block this information within 4 days from receipt of this notice. If this information is not deleted within 4 days I will be moving forward with filing a lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 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: IL

Complaint narrative:
All reference credit reporting agencies are illegally reporting nonpublic private information I never gave them consent to report on my consumer report in accordance to the requirements of the GLBA. I have officially filed a fraud report with the FTC to have these accounts Investigated. The account numbers are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By law XXXX  XXXX and or the credit reporting agencies are to block this information within 4 days from receipt of this notice. If this information is not deleted within 4 days I will be moving forward with filing a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: MO

Complaint narrative:
DEBT VALIDATION LETTER Date XX/XX/year>XXXX  This letter is being sent to you in response to a listing on my Credit Report. 
Be advised this is not a refusal to pay, b

ut a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. 
I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 

If your office fails to respond to this validation request within 30_days from the date of your receipt. All references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: FL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according

to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as
appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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. 

REMEDY : Delete All Included Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX From my credit report, because of multiple violations of the fair credit reporting act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc.
State: AZ

Complaint narrative:
I have no knowledge of this debt as I have always had medical insurance! I was never contacted by the debt collection agency regarding this debt that I do not owe. They are reporting negatively on my credit and I have no knowledge of this debt. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

FCRA 15 U.S.C 1681

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 2024-10-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This morning, I found unauthorized inquiries on my credit report, and I have no idea how they got there. I checked my report like I usually do, but this time, I saw discrepancies that didnt exist before. I even refreshed my browser, hoping it was a glitch, but the unauthorized inquiries remained. I need this issue resolved immediately, and I request a thorough review of the documents Ive submitted to prevent this from ever happening again. This situation is extremely frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: FL

Complaint narrative:
I discovered some unauthorized inquiries on my credit report today, and Im at a loss as to why. When I checked my report like usual, there were new discrepancies that popped up out of nowhere. I refreshed the page, thinking it might be a browser issue, but nothing changed. I am really frustrated and want this issue dealt with immediately by thoroughly reviewing my documents so I can avoid this kind of situation in the future.

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 2024-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Delta Management Group, Inc.
State: MN

Complaint narrative:
Incorrect debt reporting by XXXX XXXX  on my credit report and banking history. 
In XXXX, XXXX XXXX  accidentally deposited approximately {$2000.00} into my account. I was unaware it was a mistake by XXXX XXXX  and, like any reasonable XXXX  I, assumed the funds were mine and used them. A few weeks later, XXXX XXXX  informed me that the deposit was an error on their end and that I was responsible for repaying the amount. They charged me for the full amount plus late fees without offering sufficient time or options to address the issue and quickly sent my account to collections for {$2500.00} Despite this, I paid off the debt in full. Now, two years later, I discovered that XXXX XXXX  is still inaccurately reporting this debt as unpaid, which is impacting my credit report. This error has resulted in my being declined by multiple financial institutions and has caused significant damage to my credit standing. 

I have attempted to resolve this directly with XXXX XXXX, but they claim the debt does show up as taken care of but its unpaid in their system, even though its still affecting my credit. This inaccurate reporting is not only unfair but also misleading and has caused me ongoing financial distress. 

I am requesting the CFPBs intervention to ensure XXXX XXXX  corrects my credit report and that this erroneous debt record is fully removed. I also believe XXXX XXXX  should be held accountable for the undue harm this has caused to my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-13 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: AZ

Complaint narrative:
I have no knowledge of this debt as I have always had medical insurance! I was never contacted by the debt collection agency regarding this debt that I do not owe. They are reporting negatively on my credit and I have no knowledge of this debt. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. FCRA 15 U.S.C 1681 Company- 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 2024-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Chime Inc.
State: TX

Complaint narrative:
On XXXX XXXX XX/XX/year> at XXXX XXXX  I sent US {$240.00} through XXXX XXXX via Sendwave but it has been three days today but my money has not been transferred. I have called them several times and they said they will fix it but still the money has not been credited to my receptions account. I actually sent these for my family for XXXX  XXXX. But still my money has not gone. They say they can't tell me the exact time and I have to be patient. Now I have been patient for three days. But its still processing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-13 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: EQUIFAX, INC.
State: KS

Complaint narrative:
I am writing to file a formal complaint against the credit reporting agencies, including XXXX, Equifax, and XXXX, for their failure to adequately handle disputes regarding incorrect information on my credit report. As a wounded veteran, I am particularly frustrated by their failure to properly investigate and remove medical debt that should not be reported. 

Over the past several months, I have attempted to dispute multiple inaccuracies on my credit report, including medical debt, which I believe should be removed due to its improper reporting. Unfortunately, the credit reporting agencies have failed to provide adequate information about the results of my disputes. In some cases, they have not conducted the required investigations as mandated by the Fair Credit Reporting Act ( FCRA ). Furthermore, there are times when these agencies have not allowed me to file disputes online, restricting my ability to correct the inaccuracies in a timely and convenient manner. 

Despite my good-faith efforts to resolve these issues, the credit reporting agencies have not fulfilled their legal obligations, and the inaccuracies remain on my credit report, causing me unnecessary harm and stress. As a wounded veteran living with the challenges of medical debt, this situation is particularly distressing, and I believe the credit reporting agencies are not adequately addressing my concerns. Specifically, some collection debts have not been verified by certain agencies but remain on the credit reports of others. Despite this inconsistency, these debts are not being properly investigated or removed across all reporting agencies, as required by law. 

I am requesting that the CFPB investigate these matters and hold the credit reporting agencies accountable for their failure to comply with the FCRA. Specifically, I demand that they be required to conduct proper investigations into my disputes, provide clear and comprehensive results, and remove inaccurate medical debt from my credit report.

Company response to consumer: Closed with non-monetary relief