vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-13 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: 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. 

Account name : XXXX XXXX XXXXXXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681c ( a ) ( 5 ) Section States ; no consumer reporting agency may make any 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 2024-06-13 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: 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. 

Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681c ( a ) ( 5 ) Section States ; no consumer reporting agency may make any 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 2024-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My account has been placed on a limitation since XX/XX/XXXX. And wasn't the 1st time such. I submitted the same documentation as last time and they were able to lift the restrictions. However when the 2nd one came, i provided even more proof than the last time, and this time they permanently restricted me with no notice, no email, just logged in and i was unable to use features. I sent proof again to appeals and they denied me, no reason why. Even after i provided proof of my transactions the 1st time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
They have had multiple times to send me the debt validation and verification papers I requested! I have spoken with them requesting the documents! Ive mailed them requests in writting Ive emailed them at the address the listed on the debt the have the worng number, wrong address, no signature of mine! I wont give them much more then my name because I dont want them editing what they have yet to send and its been months and not response and calling from at least a over 75 different numbers constantly 7 days aweek and leave no message just sit there until the call ends day in and day out all hours of the day or night! The account numbers are wrong! The XXXX XXXX XXXX XXXX XXXX  immediately said it was a fraudulent account yet they sell an account they KNOW is fake to a debt collector and none of the info they have is real! First of all they are way out in XXXX XXXX XXXX in XXXX XXXX  there are XXXX purchases on the account as well yet they just appear as a debt owed with no service having been used ir provided! They closed the first fraudulent account them opened a another account in my name again unauthorized by me! this time adding fees and debt to the account yet Im not anywhere in the system! I have XXXXXXXX XXXX on time payments everything I ever bought! But I refuse to pay for an account was man up intentionally to do me harm and with out my consent what so ever and completely against my will! {$550.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Entrata Inc.
State: NE

Complaint narrative:
Resident Verify and XXXX XXXX XXXX appeared to collude to falsify my credit report in order to increase a deposit for an apartment or provide financial benefit to one ot both companies. I am attaching the letter my attorney wrote to both companies asking for an explanation as to why an Adverse Action Letter was issued when my credit score is clearly listed as an XXXX. The report notes that the information was obtained from XXXX ( which they deny and state they only use XXXX  scores and not XXXX ). I spoke with representatives from both companies and no explanation was provided, the hard inquiry was not removed as requested and the counsel from Resident Verify responded with false and erroneous information. He appeared to blame XXXX XXXX falsifying the report. I could not get an explanation as to why the adverse action letter was ever issued and who issued it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: PA

Complaint narrative:
I found out about a debt of over {$5000.00} that is supposedly due to a previous landlord on my credit report. I was never notified of this debt. I contacted the collection agency that is listed on my credit report which Hunter Warfield. I spoke to a representative and updated my address. I requested a validation notice to go out to my new address. That was over XXXX months ago and have not received anything. I also went on my old tenant portal and saw the astronomical charges they are claiming I owe, which are completely false. I am absolutely disputing this debt but I have not received anything from the debt collection agency nor have I been able to get a hold of them. These false charges are destroying my credit and causing me major hardship in trying to find proper housing for myself, my children and XXXX  mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX closed the account for a balance of {$320.00} cents. Its showing on my credit report that LvNv funding has my account open XX/XX/year> with a balance of {$680.00} and reporting every month. I have the contract of the XXXX XXXX  account and lvnv funding is reporting false information on my account they are reporting it to all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-06-13 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: IL

Complaint narrative:
PLEASE BLOCK AND REMOVE I urge you to take immediate action to remove these unauthorized accounts from my credit report. Their presence is distressing, and I did not approve them. Please address this without delay.

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 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 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: PA

Complaint narrative:
I have made several attempts to correct the error on my credit report with account XXXX XXXX XXXX XXXX. There is still a balance and that account has been paid off. 


Attached to this application proper documentation support my claim. 

This company is violating my rights. Please adjust.

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 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been attempting to obtain my annual free report for the past few years, but it keeps stating that the request can not be fulfilled.

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 2024-06-13 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: MS

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 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: NC

Complaint narrative:
I have submitted over XXXX different letters to Transunion, XXXX, and XXXX to correct the information on my credit report. I have also included my ID, Social Security card and also Proof of Address. They have responded by saying they wanted to make sure it's me. I have verified multiple times and my credit report is still not fixed with accurate information. Please DELETE the inaccurate information 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 2024-06-13 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: NC

Complaint narrative:
I have submitted over XXXX different letters to XXXX, Experian, and XXXX to correct the information on my credit report. I have also included my ID, Social Security card and also Proof of Address. They have responded by saying they wanted to make sure it's me. I have verified multiple times and my credit report is still not fixed with accurate information. Please DELETE the inaccurate information 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 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Glass Mountain Capital, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX, I received a letter from Debt collection agency Glass Mountain Capital trying to collect a debt in the amount of {$910.00} from original creditor XXXX XXXXXXXX XXXX who owns XXXX XXXX XXXX 
I am not disputing that I ever owned a credit card through XXXX XXXXXXXX XXXX  in the form of a XXXX XXXX XXXX I did back in XXXX with an initial credit line of {$3000.00}. However, months later and even though I had a good credit and payment history with them they lowered my credit limit to {$500.00} without notice or reason. 
This caused a dramatic drop in my credit score so because of this I no longer wanted to keep this credit card and called customer service to have them immediately close the account. I did have a small balance and within months it was paid in full. 
At which point I considered this account closed completely since I had no balance and even received a XXXX balance letter which I requested. 
Now here we are over 3 years later, I received this debt collection notice in the amount of {$910.00} from this same credit card company XXXX XXXXXXXX XXXX  the servicer of XXXX. I am currently a victim of identity theft which has been verified by almost every creditor that has been made aware and I have tried to fix this with XXXX by submitting a complaint about this. 
First, I would never reopen a new credit line with them especially after I was dissatisfied with the way they handled my previous account. I wanted nothing to do with this company once I closed the initial credit card account and paid in full. 
XXXX allowed someone posing as myself to reopen a line of credit in my name using my personal information and I have asked them to please recognize this as fraud since my identity has been used this way several times with other companies. 
I currently have fraud alerts placed on my credit report and have an inquiry made to my local police department. 
I am not responsible for this account in question and any other fraudulently obtained accounts. 
Thank you. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my AMEX - - XXXX, AMEX - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Can you update my address and name on my credit profile.

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 2024-06-13 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: NC

Complaint narrative:
I have submitted over XXXX different letters to XXXX, XXXX, and Equifax to correct the information on my credit report. I have also included my ID, Social Security card and also Proof of Address. They have responded by saying they wanted to make sure it's me. I have verified multiple times and my credit report is still not fixed with accurate information. Please DELETE the inaccurate information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 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:
PLEASE BLOCK AND REMOVE I urge you to take immediate action to remove these unauthorized accounts from my credit report. Their presence is distressing, and I did not approve them. Please address this without delay.

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 2024-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item 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 non-monetary relief
Consumer complaint received 2024-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
on XX/XX/year> - I made a payment to my credit card account with Capital One - I was informed in the app that my account was restricted, so I called in and the automated system informed me that the account was closed much to my surprise - My address, phone number nor email have changed, but yet I got no notification prior that the account was being closed. 

On XX/XX/year> Capital one informed me that they never received my deposit to open the account, However, They infact did.

Company response to consumer: Closed with explanation