vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-25 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: LA

Complaint narrative:
On XX/XX/XXXX my credit file was pulled without my consent. This led me to look at my credit further. I discovered that the Dept of EducationXXXX had student loan accounts on my credit report labeled as open and 180 days past due. These accounts also state that the accounts were opened XX/XX/XXXX and reported XX/XX/XXXX, XX/XX/XXXX reported XX/XX/XXXX, opened XX/XX/XXXX reported XX/XX/XXXX, opened XXXX reported XX/XX/XXXX, opened XX/XX/XXXX reported XX/XX/XXXX. When I next checked my credit score, all of the accounts had been re-aged to say opened XX/XX/XXXX. I contacted these companies multiple times in XXXX through XXXX of XXXX, XX/XX/XXXX through XX/XX/XXXX. When next I requested signed documentation of any signed contract between myself and the U.S Dept of Education and any payment receipts. I have yet to have any documentation of alleged debts from the U.S Department of Education. When I called, it was explained that the debt had been sold to the U.S Department of Education and that was why it was being reported as opened on XX/XX/XXXX. This is however illegal and unlawful. According to the FCRA, any debt has to be reported as accurate as the same open date, even when changing owners. Furthermore, the U.S Department of Education is still reporting on an account as being paid on although i haven't paid on this account due to it not being mine, accurate or opened. Furthermore, the U.S Department of Education has not validated this date and does not have a contract or signature for payment from me to the U.S Department of Education, so this debt must be closed and wiped clean 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 non-monetary relief
Consumer complaint received 2023-11-25 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: STATE EMPLOYEES CREDIT UNION
State: VA

Complaint narrative:
They put alot of inquires on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: NY

Complaint narrative:
Upon reviewing my credit record, I have identified several closed accounts that should not be included. This dispute letter serves to bring to your attention the violation of consumer protection laws and request the immediate removal of these accounts from my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25 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: WI

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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 2023-11-25 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: GA

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 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

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 2023-11-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25 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: PA

Complaint narrative:
Fraudulent charges were made to the following accounts. The statue allows for multiple reinvestigation. 

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 non-monetary relief
Consumer complaint received 2023-11-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 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, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$32.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$8100.00} ; XXXX XXXX XXXX Balance Owed : {$1800.00} ; XXXX  XXXX Balance Owed : {$180.00} ; XXXX  XXXX Balance Owed : {$620.00} ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX  XXXX ; XXXX XXXX XX/XX/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 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 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 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 2023-11-25 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Im begging you please remove this to the 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 2023-11-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I wrote a letter to Equifax asking them to investigate unauthorized inquires on my credit report. Not only have I not received a response to this day ( XX/XX/XXXX ) the inquiries remain on my credit report. I have contacted every single company on my Equifax credit report and they stated I needed to contact the credit bureaus, which is what I did. I did not give my permission to the below companies to check my credit report/ score with Equifax and they are fraudulent. I know you will try to complete an investigation now, however, you have ALREADY VIOLATED THE FCRA and now BY LAW MUST REMOVE THE BELOW INQUIRIES. If you fail to remove the below inquiries, I will file suit for monetary damages 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I'm filing this complaint against capital for overcharging me with interest fees and cash advance fees I have came to capital one regarding this issue of overdraft fees that are keeping me behind on my account ending in XXXX I had tried several times to apply for a hardship program I was denied each time in which i don '' t know how as well I reported the charge from XX/XX/XXXXXXXX  of {$140.00} as unauthorized from a card I had lost to capital one no one has gotten back to me and this is the charge they are charging me interest for as well as cash advance fees every time I ask to have some interest charges to be wavied they say they cant do it with no explanation all the money I'm paying to my account is going to interest charges and I can't make the full on time payment because of this issue I'm also have been charged back from another unauthorized charge on my account that I reported from a lost card from XX/XX/XXXX XXXX {$170.00} the claims department claim they need more information I have given them all the information they needed even informing them I do not own a vehicle so the charge is not valid I'm asking for help with this account for a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: NY

Complaint narrative:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY 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 2023-11-25 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: SC

Complaint narrative:
Im begging you please remove this to the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: Kriya Capital, LLC
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), the following companies have violated my rights : Credence Resource Management- XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I did not give not give written and/or verbal permission for any consumer reporting agency to furnish or provide information concerning any of the above accounts. 

I have also requested a validation of a debt to prove the accuracy of this debt and the original contract for the debt which has not been mailed to by US mail. To this date, I have not received disclosures about the debt, including the amount owed and the that I have the right to dispute the debt. Not to mention, the date of last activity on a debt is inaccurate in which no proof has been provided to me. I did not receive notification by US mail on the dates that have been listed on my credit report. 
I believe that Sections 15 U.S.C. 1681s-2 ( b ) and 15 U.S.C. 1681s-2 ( a ) have been violated. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25 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: LA

Complaint narrative:
On XX/XX/XXXX my credit file was pulled without my consent. This led me to look at my credit further. I discovered that the Dept of EducationXXXX had student loan accounts on my credit report labeled as open and 180 days past due. These accounts also state that the accounts were opened XX/XX/XXXX and reported XX/XX/XXXX, XX/XX/XXXX reported XX/XX/XXXX, opened XX/XX/XXXX reported XX/XX/XXXX, opened XXXX reported XX/XX/XXXX, opened XX/XX/XXXX reported XX/XX/XXXX. When I next checked my credit score, all of the accounts had been re-aged to say opened XX/XX/XXXX. I contacted these companies multiple times in XXXX through XXXX of XXXX, XX/XX/XXXX through XX/XX/XXXX. When next I requested signed documentation of any signed contract between myself and the U.S Dept of Education and any payment receipts. I have yet to have any documentation of alleged debts from the U.S Department of Education. When I called, it was explained that the debt had been sold to the U.S Department of Education and that was why it was being reported as opened on XX/XX/XXXX. This is however illegal and unlawful. According to the FCRA, any debt has to be reported as accurate as the same open date, even when changing owners. Furthermore, the U.S Department of Education is still reporting on an account as being paid on although i haven't paid on this account due to it not being mine, accurate or opened. Furthermore, the U.S Department of Education has not validated this date and does not have a contract or signature for payment from me to the U.S Department of Education, so this debt must be closed and wiped clean 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 2023-11-25 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I recently viewed my credit report and I was shocked to learn that I have been a victim of identity theft. I found numerous accounts that weren't opened by me. This is hurting me during my process of purchasing a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.

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 2023-11-25 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: Debt Recovery Solutions, LLC
State: OH

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXXXXXX XXXX I did not sign any paperwork. 
or have any type of agreement with Debt Recovery Solutions. I have recently been made aware that my identity was used. 
around the same time frame. I have not lived at the address since. 2002. I gave never used my credit or had much knowledge of credit until I recently got a car. I have contacted this company Debt Recovery Solutions.. Only thing they tell me is that information is verified, they would not tell me the means and methods they were able to verify, they also initially tried to not give me contact information of the original creditor. Unless they are able to provide more information or any reported communications, they had with me or sign documents this needs to be remove from my account.to prevent further action to be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
My PayPal account has been suddenly permanently limited without any valid reason and the funds inmy account have been put on hold for 180 days. 
I tried to get help from PayPal 's customer serviceteam but they said that they won't be able to help me regarding account restoration.I have been usingthe account for some time now and always work in good faith and follow all the policies and useragreements as stated and agreed upon while I signed up for the account. 

I have taken every step tominimize the risks associated with my account however PayPal still permanently limited my accountstating there's potential risk associated with it. 
I would request any information as to why PayPal feltthey had to limit the account. There is no reason to permanently close my account as I believe I haven'tdone anything wrong that led to its closure.Therefore, I would request PayPal to please re-investigatethe issue and help to resolve it. I am willing to provide any information needed for the investigationand to help restore the account back. I am willing to work with PayPal collaboratively to minimize theperceived risk. I would request you to please help me to get my account reinstated. 

Reference lD : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I have a charge off due to reckless driver hitting my car and me getting scammed into buying fake insurance which ended up not being real insurance and at that time the car accident happened shortly after that which was this XX/XX/XXXX to be exact I was not at fault, but dont have the money due to being out of work And getting fired because of this now my car is at a charge off and I need some type of help getting this figured out either way boosting my credit score up or getting the remaining balance. Majority knocked off my credit score so I can go about financing a new Vehicle and then other stuff on my account that shouldve been wiped off or removed but it has not

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: CA

Complaint narrative:
I am writing to file a formal complaint against TransUnion, XXXX, and XXXX for their continued reporting of an inaccurate and closed child support account on my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ), specifically under U.S. Code Title 15, Section 1681. 

The account in question XXXX XXXX Family Support Division XXXX XXXXXXXX is inaccurately reported under a name that does not legally correspond to mine. Additionally, this account has been closed due to this inaccuracy by the creditor and, as such, should not be appearing on my credit report at all. The presence of this incorrect and outdated information is adversely affecting my credit score and, subsequently, my financial opportunities. 

The FCRA mandates that credit reporting agencies must ensure the maximum possible accuracy of the information they report. The continued misreporting of my closed child support account, along with the discrepancy in the name associated with the account, constitutes a clear violation of these regulations. 

I have previously attempted to resolve this matter by contacting TransUnion, XXXX and XXXX directly and have disputed this account, highlighting its inaccuracies and requesting its removal. Despite these efforts, the account continues to be reported, demonstrating a failure on their part to adequately investigate and rectify the inaccuracies in my credit report. 

Therefore, I am seeking the assistance of the Consumer Financial Protection Bureau in this matter. I respectfully request that the CFPB : 1. Investigate the reporting practices of TransUnion, XXXX and XXXX in relation to my credit report. 
2. Ensure the immediate deletion of the inaccurately reported and closed child support account from my credit report. 
3. Confirm that all future reports byTransUnion, XXXX and XXXX ] are accurate and compliant with the FCRA. 

Enclosed with this letter are copies of my previous correspondence with [ Credit Reporting Agencys Name ], as well as evidence supporting the closure of the child support account and the discrepancy in the name reported. 

I appreciate your prompt attention to this matter and look forward to a resolution that corrects my credit report and upholds the standards of accuracy and fairness as mandated by the FCRA. 

Enclosed is the statement from the agency closing my account along with the continued inaccurate information pertaining to my legal name. Also enclosed is my legal ID and proof of my legal name which proves this account inaccurate and in violation.

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