vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Dear Sir or Madam : This letter constitutes my third formal request that you protect my personal information and immediately freeze my credit report. Previous requests submitted have not been honored, which constitutes a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws.

Actions Requested Protection of my Personal Information : I request that you refrain from disclosing or allowing unauthorized access to my credit report, pursuant to 15 U.S.C. 1681b.

Freezing my Credit Report : I request that my credit report be frozen immediately, pursuant to my rights guaranteed by 15 U.S.C. 1681c-1 ( i ).

Written Confirmation : I request written confirmation that these measures have been implemented within a period of no more than 30 days.

Detected Violations Your failure to act on my previous requests constitutes the following violations : Failure to Protect My Information : Under the FCRA ( 15 U.S.C. 1681b ), Clarity is required to ensure that my credit information is not disclosed to third parties without my explicit consent. Your failure to act to restrict access to my report is a violation of this provision.

Failure to Implement Credit Freeze : 15 U.S.C. 1681c-1 ( i ) guarantees consumers the right to request a freeze on their credit report to protect their information. By failing to implement this freeze after my previous requests, you are violating this fundamental right.

Failure to Respond Within the Statutory Timeframe : Under 15 U.S.C. 1681i ( a ) ( 6 ), Clarity must provide written results of any request for reinvestigation or modification within 30 days. They have failed to provide an adequate and timely response to my previous requests.

Unfair and Deceptive Practices ( UDAAP ) : Their continued refusal to take reasonable steps to protect my personal information may be considered a violation of the unfair and deceptive practices provisions under the Unfair and Abusive Competition Act ( UDAAP ).

Repeated Noncompliance : By ignoring my repeated requests, they are demonstrating a pattern of systematic noncompliance that affects my ability to exercise my rights as a consumer.

Legal Disclaimer If you do not comply with this request, I will : File a formal complaint with the Federal Trade Commission ( FTC ) for noncompliance with the FCRA and unfair practices.

Seek legal action for damages under the provisions of 15 U.S.C. 1681n and 1681o, which provide civil penalties and compensation for affected consumers.

I look forward to your written confirmation within the next 30 days, as required by law. Any further delay will be construed as a sign of negligence and bad faith on the part of Clarity Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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.

Complaint narrative:
My accounts 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 to be removed/updated. 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. 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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: TN

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: TX

Complaint narrative:
I am filing a complaint against Experian due to their failure to address my dispute of unauthorized inquiries within the legally mandated timeframe. I sent a dated and time-stamped dispute letter on XX/XX/XXXX ( attached ), detailing that certain inquiries on my report were unauthorized and accompanied by an FTC report as evidence. Under U.S. law, these inquiries must be removed promptly. Over 30 days have passed with no acknowledgment or corrective action taken. I, XXXX XXXX, confirm that the following inquiries are unauthorized and are to be removed from my credit report : XXXX XXXX XX/XX/XXXX, XXXX XXXX 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 explanation
Consumer complaint received 2025-01-06 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: MO

Complaint narrative:
Dear XXXX XXXX XXXX : As I already reported via telephone and in writining, I am the victim of identity theft AND OR DATA BREACH FROM THREE COMPANYS. I am writing to dispute I am a victim of identity theft, and I did not make these chsrges. I am requesting that the these accounts be removed/DELETED that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. 

ADDRESS NEED TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ACCOUNTS TO BE REMOVED : XXXX XXXX XXXX XXXX- ACCT XXXX XXXX XXXX. {$44000.00} XXXX XXXX- # XXXX BAL. {$15000.00} XXXX XXXX  XXXX ACCT XXXX XXXX BAL. {$24.00} XXXX ACCT # XXXX BAL. {$33000.00} XXXX XXXX  ACCT # XXXX BAL. {$2500.00} XXXX XXXX XXXX XXXX- ACCT XXXX XXXX BAL. {$28000.00} XXXX XXXX  XXXX XXXX XXXX XXXX BAL. {$3500.00} XXXX XXXX- ACCT # XXXX BAL. {$12000.00} XXXX FST XXXX ACCT # XXXX BAL. {$1300.00} XXXXXXXX XXXX XXXX- ACCT # XXXX BAL. {$260.00} XXXX. XXXX XXXX- ACCT # XXXX BAL. {$2600.00} Pursuant to federal law, I am requesting that you remove all accounts/delelte from all my credit reports.

15 U.S.C. 1681 is a section of the Fair Credit Reporting Act ( FCRA ) that establishes the purpose and congressional findings of the act. The FCRA is a law that governs access to consumer credit reports and aims to promote the accuracy, fairness, and privacy of personal information.

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grant & Weber
State: AR

Complaint narrative:
This is a medical bill from a XXXX  XXXX  from 2021 with Grant and Weber. They're reporting it on my credit report and adding an interest each month so it keeps showing up as increased debt collection. The debt is old and shouldn't be on my 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 2025-01-06 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I returned a call I had missed from Procollect regarding a debt they stated I had. I was informed that a letter was sent to my address, regarding a debt of {$220.00}. I asked what the address was that they sent the letter to, and they provided the wrong address -- an address I have never lived at. They asked me for a mailing address and I provided them with it. They then stated " you actually don't need a physical letter to pay your debt for {$220.00} '' and proceeded to try to get me to give them credit card information. I told them I was not going to pay because I was going to wait for the letter because I was skeptical of the company. I asked for information regarding the apartments they say I owe debt to, and they listen apartments I have never lived at. When I attempted to look up the apartment complex, I could not find the apartments on google. I was denied information when ever I questioned the apartment address and phone number and stated I would be waiting for the letter to investigate further. 

On XX/XX/XXXX I see my credit report dropped for a derogatory mark in regards to this debt that is not mine. I contacted XXXX again and notified them that I have never received a letter from them. I asked for information again regarding the apartments that they say I owe debt to, and they then stated a different apartment complex from the original one they told me. They denied giving me an address and phone number to the apartment complex. They then told me I could dispute this claim, but needed to provide proof from the apartment complex ( that they would not provide me information for ) that I have never lived they and provided me with XXXX email address to send them this proof. 

On XX/XX/XXXX I emailed the only apartment complex with the name they provided asking for proof ( still waiting for a response ) and contacted both XXXX and transunion regarding disputing.

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 2025-01-06 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:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened : XXXX Balance Owed : {$56000.00} Late/Open

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 2025-01-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to 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 explanation
Consumer complaint received 2025-01-06 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: OR

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: OR

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In late XXXX of XXXX  I closed my account with XXXX XXXX. In late XXXX I received a card from XXXX XXXX XXXX  and I called to again advise them the account had been closed and was not used whatsoever. They apologized for the error. 
In XXXX of XXXX, I was advised by Trans Union and XXXX that I had been marked with an overdue payment from XXXX XXXX XXXX. I contacted XXXX XXXX immediately and they told me they would correct the error. I also submitted an appeal to Trans Union and XXXX regarding the incident to correct my report. They have advised I must submit a complaint to CFPB along with supporting documents of this concern. This error has had a substantial impact on my credit score affecting job applications and financing to the negative in my character. 
Primary points 1 Card was cancelled and paid in full in XXXX of XXXX. 
2 A New card was issued without my request or authorization and has never been activated or used. 
3 XXXX XXXX charged me a fee and interest which I protested and they did in fact make the adjustments, however, they did not correct the late charge reporting with credit reporting agencies. 
4 Trans Union has opened an appeal on my behalf today, with a request to report the incident to CFPB and send them a copy of the complaint by US Mail.

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 2025-01-06 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: TN

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

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 2025-01-06 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: TN

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

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 2025-01-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I have submitted to the bank all the foreign identification number issued by the department of treasury. I have also given them the LEI number and all other supporting documentation of the financial entity. They have refused to allow access to the bonds created. They received all this information by certified mail and they respond with some information talking about scams. 

I have submitted all information regarding the appropriate status XXXX and obtained the LEI which identifies all the trust and ucc filings. The bank is refusing passthough access and paying agent access that should automatically be granted because of the registrations and paperwork I have previously submitted.

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 2025-01-06 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: FL

Complaint narrative:
My privacy is backed by laws set up by Congress to protect consumers. By allowing unauthorized access to my financial details, you've not only violated federal laws but also stepped on my constitutional rights, leading to unnecessary harm and stress.

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