vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-06 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: MA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: NJ

Complaint narrative:
these hard inquiries are fraudulent and doesnt belong to me and need to be removed please. Also the bext as well please thanks. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-06 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: NJ

Complaint narrative:
these hard inquiries are fraudulent and doesnt belong to me and need to be removed please. Also the bext as well please thanks. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-06 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2024-11-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of Identity theft. An account was opened using my name on XX/XX/year>, please have them remove this account from my credit report and do an investigation. 

Thank you.

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 2024-11-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am extremely frustrated with Equifax 's handling of my disputes. I have been disputing these accounts for XXXX  days. Despite multiple attempts to resolve these issues, I have not received any investigation results or updates on the following accounts, and they have not been corrected : XXXX XXXX ( Account # XXXX ) This account is unverified. The payment history is incorrect, and no proof has been provided that I was ever late. Please update to NEVER LATE. 

XXXX XXXX ( Account # XXXX ) This account is unverified. The payment history is incorrect, and no proof has been provided that I was ever late. Please update to NEVER LATE. 

XXXX XXXX ( Account # XXXX ) This debt has not been verified within the legal timeframe. Please delete this account. 

XXXX XXXX XXXX ( Account # XXXX ) This debt has not been verified within the legal timeframe, and collections should not show a past due amount. Please delete this account. 

XXXX XXXX XXXX This is not my address. Please delete it from my report. 

XXXX XXXX This name is misspelled and not mine. Please delete it. 

XXXX XXXX This is not my legal name. Please delete it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NPG Associates, Inc.
State: CA

Complaint narrative:
NPG Associates at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX with local number with area codes using XXXX and XXXX. 
On XXXX XXXX XXXXXXXX  I rec 'd a call from an unknown phone number. They call, misrepresenting themselves. I called them back. I was yelled at and harassed on a recorded line. As well as hung up on when I asked for their company name and address. Very, very rude! I already reported them to the XXXX XXXX XXXX  XXXX XXXX stated he was the Director of the company. However I was then told someone else was. So he lied in order to do a scare tactic. They are a collection debt Co that misrepresented themselves with a voicemail stating " there is a change to your status '' and then they will give you a reference number. I explained that the attorney I hired, made back door negotiations with the opposing counsel without my consent and was also told by the attorney " I did not owe any more funds and I was square '' with my bill. After he rec 'd {$5000.00} for the respondent, which was court ordered. So actually, the Co should be going after the Resondent, since the Judge ordered him to pay for my legal fees. When I tried to explain to XXXX XXXX, I had XXXX witnesses who wrote affidavits along with a recording of the conversation ( which I permitted, since it was in a public setting. ) XXXX XXXX got more hostel with me and started to harass me! I hung up on him when he got hostile with me. I've already been verbally and emotionally abused  for XXXX  years! I was not going to let this man I've never met verbally abuse  me over the phone. However I had to call back to ask for their address. The operator was nice at first, but unknowns to me, transferred me over to XXXX XXXX. As soon as he heard my voice he started yelling at me and saying " are we going to go through this again? Have your attorney call us! '' Then hung up on me .He states he's been doing this for XXXX  years. Basically stating to me, " I don't have a leg to stand on. " And stated " that even though I had affidavits, my affidavits were bupkes. '' A Yiddish word meaning " that they meant nothing '' This company is very rude, hostile, yell and harassed me. He then added, because our conversation was on a recorded line, that was all he needed. If he tries to cut my recording up to fit his narrative, that is against the law! 

They also give themselves good reviews. As the first time I went on to give a review their review score was a XXXX. However when I went to edit my review minutes later, it was at a XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: MD

Complaint narrative:
XXXX sent me re-investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate. I have repeatedly asked that they remove this from my report.This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. 

And according to nd according to 15 USC 1681i 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FRCA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that this 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 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my appearing on my consumer FICO credit report. 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 Comission 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 explanation
Consumer complaint received 2024-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am extremely frustrated with Tranunion 's handling of my disputes. I have been disputing these accounts for 283 days. Despite multiple attempts to resolve these issues, I have not received any investigation results or updates on the following accounts, and they have not been corrected : XXXX XXXX ( Account # XXXX ) This account is unverified. The payment history is incorrect, and no proof has been provided that I was ever late. Please update to NEVER LATE. 

XXXX ( Account # XXXX ) - This account is unverified along with several ways in the way it is reporting. This is not an open account and date of last activity is wrong. Please DELETE this account. 

XXXX XXXX ( Account # XXXX ) This debt has not been verified within the legal timeframe nor can this be an open account. Please DELETE this account. 

XXXX XXXX ( Account # XXXX ) - This debt has not been verified within the legal timeframe nor can this be an open account. Please DELETE this account. 

XXXX XXXX XXXX This is not my address. Please delete it from my report. 

XXXX XXXX This is not my legal name. Please delete it.

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 2024-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BMO BANK NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Website XXXX has a car for sale listed as a dealership. XXXX listed XXXXXXXX Website as a dealership. I clicked on that link and emailed a salesman named XXXX XXXX. XXXX XXXX sent me a copy of a car dealers license and a bill of sale. I filled it out and wired {$68000.00} to BMO Bank. I waited for my car to arrive and it did not. I emailed XXXX and he said he was out of country for family matters abd would talk to associates and give me a refund because my car didn't arrive. All this was a lie and a scam. I can not research and try to figure out who this is because I do not know who it is. The bank would not give me any information it found out. The guy stole {$68000.00} from me!

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 2024-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Care Credit by Sychrony Bank closed my account. Their reason is because I have other cards with balances and my credit score is a bit low. First, they greatly reduced my credit limit, and now they closed it. 

This is an unfair business practice. I was never late with any of my payments. All of my accounts are in good standing, and so was Care Credit. Now I do not have a card for medical emergencies, including pet care. I contacted them and they were not understanding and said once a decision is made, they can not reverse it. 

I do not think they have the right to do this.

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 2024-11-06 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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Dear XXXX XXXX XXXX, I am writing to formally address a significant violation of the Fair Credit Reporting Act ( FCRA ), specifically regarding the reporting of adverse information without a permissible purpose, as outlined under 15 U.S.C. 1681 and related statutes. 

It has come to my attention that TransUnion has created and reported consumer information related to my account ( XXXX ) with XXXX without my written consent, in violation of 15 U.S.C. 1681b. The Consumer Financial Protection Bureau ( CFPB ) emphasizes that consumer reporting agencies must have a permissible purpose and obtain proper authorization before furnishing consumer reports. Under permissible purpose provisions, if there is no court order or directive by a court for a consumer report, control and consent lie with the consumer to whom the report relates. Therefore, I demand that you follow my directives on this serious matter. 

Furthermore, under the exclusions section of 15 U.S.C. 1681c ( a ), it is stated that the term consumer report does not include transactions or experiences between the consumer and the person making the report. Additionally, a consumer report must not contain any authorizations or approvals of credit without proper consent. The reporting of negative information related to my XXXX account ( XXXX ) by TransUnion violates these statutory provisions. 

In addition, XXXX is knowingly and willingly violating my consumer rights pursuant to the XXXX XXXX by reporting information to consumer reporting agencies without my permission. 

In light of these violations, I request that TransUnion take immediate action to : Remove XXXX and all negative information reported without my consent from my credit report. 
Cease and desist from reporting any further adverse information related to my XXXX account ( XXXX ) without my express consent. 
Compensate me {$1000.00} for each violation as stipulated for civil liability under the FCRA. 
Please respond within XXXX  days of receipt of this letter to confirm your compliance with my request. Failure to address this issue adequately may result in further legal action to protect my rights under the FCRA and XXXX XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-11-06 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: PA

Complaint narrative:
My account with XXXX XXXX never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is XXXX XXXX XXXX and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 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: GA

Complaint narrative:
After reviewing my consumer report, I discovered some instances or late payments on an account which I have always maintained on time payments. XXXX XXXX XXXX play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX account number XXXX. 

I request a thorough investigation into these discrepancies and urge to such proof. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations 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