vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: U.S. BANCORP
State: MD

Complaint narrative:
Elan Financial sent me a refund check for a credit balance refund in XX/XX/year>. The front of the check stated " This document has an artificial watermark printed on the back... absence of these features will indicate a copy. '' However the back of the check had no watermark. I thought that it was an honest mistake and called them to the check reissued with the proper watermarks ; However, the reissued check has the exact same misprint.

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 2024-05-18 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I contacted your company to convey my objection regarding certain details in my credit report. Attached to this correspondence is a duplicate of my initial communication. However, I haven't received a response from your company regarding my dispute, which now requires either an amendment or removal of the contested entries from my credit history. XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$3100.00} XXXX XXXX Balance Owed : {$9900.00} XXXX XXXX XXXX Payment Status : Late 30 Days XXXX XXXX XXXXXXXX Payment Status : Late 30 Days XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Payment Status : Late 90 Days XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Late 30 days XXXX XXXX XXXX XXXX Balance Owed : {$740.00} XXXX XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX XXXX Balance Owed : {$110000.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$5000.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$2600.00} U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX Factual Dispute letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Factual Dispute letter XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$3900.00} U S DEPT OF ED/XXXX XXXX Balance Owed : {$7700.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$2300.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$7500.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$1700.00} U S DEPT OF EDXXXX XXXX Balance Owed XXXX {$3700.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$7100.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$8200.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$10000.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$4000.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$2700.00} U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX OF XXXX XXXX Balance Owed : {$2100.00} U S DEPT OF EDXXXX XXXX Balance Owed : {$6100.00} XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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: PA

Complaint narrative:
This is a request in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) because I received results via CFPB portal on XX/XX/XXXX that stated that my dispute was verified. I disputed because my PRIVACY rights have been violated because Trans Union illegally published/furnished accounts without my PERMISSION or any written instructions. I did not give anyone at anytime PERMISSION or any written instructions to furnish the accounts that I am listing below that should be deleted from my credit report immediately. 
I submitted my dispute via CFPB # XXXX on XX/XX/XXXX and also received results in the mail File Number XXXX dated XX/XX/XXXX which is another violation that Trans Union has committed under FCRA 611 which states your agency must conduct your investigation within 30 days. Your agency took more than 30 days acoording to the letter you mailed to me is Proof that your agency is in violation again for an untimely investigation. In accordance with FCRA 611 ( a ) ( B ) ( 6 ) ( iii ) I am requesting ALL the records that reveal the procedures your agency used that led to the accounts that I disputed to be verified. 
I also am requesting the name of the person ( s ) you spoke with along with the Business Name Address and Telephone Numbers of everyone that you spoke with in accordance with FCRA 611 ( a ) ( B ) ( 6 ) ( iii ) in 15 Days as the LAW states. The accounts I am disputing that are in violation of my privacy rights because FCRA 602 states I have a right to Privacy and FCRA 604 ( a ) ( 2 ) states a credit reporting agency can not furnish accounts without my written instructions as I am a federally protected consumer. Please send me the information I am requesting regarding the accounts listed below that were verified : Trade : XXXX XXXX XXXX 
Trade : XXXX XXXX # XXXX. 
Trade : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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: IN

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items. It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate, corrected and deleted for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX, IN XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX CT XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$460.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2900.00} XXXX XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXX XXXXXXXX Balance Owed : {$6500.00} XXXX XXXX XXXX Balance Owed : {$830.00} XXXX XXXXXXXX Balance Owed : {$900.00} XXXX  XXXX Bankruptcy Reference # XXXX XXXX  XXXX Bankruptcy Reference # XXXXXXXX XXXX XXXX Inquiry Date XX/XX/year>

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 2024-05-18 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: IN

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items. It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate, corrected and deleted for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX CT XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$460.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2900.00} XXXX XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXX XXXXXXXX Balance Owed : {$6500.00} XXXX XXXX XXXX Balance Owed : {$830.00} XXXX XXXXXXXX Balance Owed : {$900.00} XXXX XXXX Bankruptcy Reference # XXXX XXXX  XXXX Bankruptcy Reference # XXXXXXXX XXXX XXXX Inquiry Date XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/year> - I searched for flights online and found which I wanted. When I went to Capital One Travel, all of the prices for the same flights were higher. When I called Capital One, they transferred me to XXXX. XXXX said there was nothing to be done. When I asked for the call center representative 's name, she said she could not give it to me. When I asked for a case number, she said she could not give it to me. When I asked for a supervisor, she put me on hold until I was redirected to a feedback auto message.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: FL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX DEBT Account Number : XXXX Inquiries : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX 'S XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/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 2024-05-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
I contacted the company through XXXX and I ask the company could prove Im the person who applied for the services prove like copy of my ID or me holding my ID to make sure Im the correct person and the funny part in order to get copies of the investigation I have to proved copy of my ID but to open an account apparently not required because they could harasses the person and destroy his future and identify

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 2024-05-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 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: FL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX DEBT Account Number : XXXX Inquiries : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX 'S XXXX XX/XX/XXXX : XXXX XXXXXXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX BANK XXXX XX/XX/XXXX : XXXX XX/XX/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 2024-05-18 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: FL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX DEBT Account Number : XXXX Inquiries : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX 'S XXXX XX/XX/XXXX : XXXX XXXX XXXXXX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-05-18 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: CA

Complaint narrative:
XXXX XXXX, XXXX, XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: AZ

Complaint narrative:
I ensure that I always pay on time, and I'm certain of this fact. What I don't understand is why this company is reporting late payments for certain months. Per USC 1666b, billing errors need to be corrected, or they owe me {$1000.00} for each inaccurately reported account.

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 2024-05-18 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: NJ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account XXXX : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX OF XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2024-05-18 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.

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 2024-05-18 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I urge you to take immediate steps to remove the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please address this promptly.

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 2024-05-18 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I urge you to take immediate steps to remove the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please address this promptly.

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 2024-05-18 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: AZ

Complaint narrative:
According to FCRA 605B, incorrect accounts must be removed from my credit report. This entry is incorrectly reported, and I request its removal. I should be compensated {$1000.00} for every error on 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 explanation