vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-02 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: PA

Complaint narrative:
Experian IGNORED the sole basis of my dispute. My dispute was direct to Experian Credit Reporting Agency and solely for Experian Reporting Agency and I hold Experian responsible for violating my PRIVACY rights because they IGNORED 15 USC 1681b ( a ) ( 2 ) as you deleted only 1 of 4 accounts that was deleted because Experian and solely Experian is in violation of 1681b ( a ) ( 2 ) because I gave them NO INSTRUCTIONS and the LAW is written for Experian a credit reporting agency that under 15 U.S.C. 1681b ( a ) ( 2 ) clearly states a credit reporting agency ( Experian ) can not put any accounts on my credit report without my written instructions. 
Delete these 3 accounts that your office failed to DELETE. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received results regarding your investigation on XX/XX/2024 and do not understand why my dispute based on 15 U.S.C. 1681b ( a ) ( 2 ) your office only deleted 1 of the 4 accounts I disputed under the provisions in 15 U.S.C. 1681b ( a ) ( 2 ) and again I want the 3 accounts that remain on my credit report DELETED as well. 
I will contact a Fair Credit Reporting Act Attorney if I am forced to do so.

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 2024-08-02 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: IN

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  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 those account 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 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 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Prisma Capital LLC
State: NV

Complaint narrative:
Zinch is reporting a commercial debt on my personal credit reports. This company markets its MCA product as not requiring a personal guarantee.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2024-08-02 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:
I discovered inaccurate accounts on my credit report this morning and don't know the cause. My regular checkup revealed these discrepancies, and refreshing my browser didn't help. The wrong accounts stayed on the report. Therefore, I'm requesting a meticulous review of the documents I've sent so I can stop worrying about this issue.

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 2024-08-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have an account for {$900.00} reporting as unpaid from Capital One. It has brought my credit down over XXXX points and a credit card I had for over 20 years was brought down to a {$500.00} limit. I was turned down for a home loan because of it and I never made the credit card. I called and they couldn't give me any information. I keep getting letters requesting payment for a credit card that I never used. I have never been late on a credit card. The only credit card I had for the last 15 years is XXXX XXXX XXXXXXXX and you can check and see I have NEVER been late!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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:
This evening, I found inaccurate accounts on my credit report and I'm unsure why. I routinely check my credit report, but this time there were unexpected discrepancies. Refreshing my browser to fix any potential malfunction didn't help, as the inaccurate accounts remained. Due to this issue, I request a thorough review of the documents I've sent so I won't have to worry about this again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
XX/XX/year> I received XXXX email from company that's illiterate. To my understanding computer hackers spell cusotmer name wrong amd are in practice of denying customer account while customer is a armed US citizen entitled to a charge card. The debit card is for unarmed citizen with employment and the charge card is for armed citizen registered as US consumer. I need a charge card with account. I write to notify company of illiterate email reference # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2024-08-02 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: IL

Complaint narrative:
I opened a credit card at an XXXX XXXX store. I was enrolled in paperless billing without my consent. I never received a bill or an email notifying me that I had a bill due in XX/XX/year>. I was notified by a decrease in my credit score and still never received notification of the money I owed. I immediately paid the small balance on my XXXX credit card. I was never instructed how to pay my bill. I had a XXXX  in between this time and wrote letters and filed disputes explaining this and was told no and the late payment history of 90 days remains on my card. Every time I call XXXX I am belittle and treated terrible by the employees. Do not open a XXXX credit card.

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 2024-08-02 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:
I urgently request the prompt removal of these unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize them. Please rectify this immediately.

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 2024-08-02 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 urgently request the prompt removal of these unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize them. Please rectify this immediately.

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 2024-08-02 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My mother XXXX XXXX XXXX, DOB XXXX and last four digits of SSN } XXXX. To whom had an account with Capital One had unfortunately passed away. And they stated that when I becomes the Executor of her Estate they will distribute the funds in the account to yours truly. However they havent kept their word and despite being presented with the document that I am the Executor of her Estate they have ignored the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: AR

Complaint narrative:
I ordered phones from XXXX via a kiosk in XXXX. I asked that the account be created from my business EIN, but my personal SSN was used instead. I was told by the rep that i would get a XXXX XXXX, an XXXX XXXX XXXX, and a XXXX XXXX XXXX. The XXXX was stolen before activated, so I contacted customer support and they blacklisted the phone. I was told that I'd have to go inside of a store and get my new XXXX XXXX, but when I visited the XXXX store, I was told they couldn't understand my notes and that they could not help me, and that its nearly impossible to switch a personal acount to a business account. I called XXXX retail support to have the lines canceled and was told that I was too late to cancel. Yet, I never received the XXXX XXXX, nor was I remembered the taxes i paid ( {$110.00} ). i returned all phones back to the retail store only to find out that my account also didnt have insurance on any phone, which i was told i would receive for {$20.00} a month for all three lines. 

To add to the insult, I was told by the XXXX  kiosk rep and by XXXX XXXX XXXX XXXX XXXX XXXX Customer Service that I could pick up my XXXX XXXX  and my XXXX in store, but I was told by XXXX XXXX XXXX reps that they couldn't honor what customer service and the XXXX  rep said I can do.

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 2024-08-02 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: AR

Complaint narrative:
I ordered phones from XXXX via a kiosk in XXXX. I asked that the account be created from my business EIN, but my personal SSN was used instead. I was told by the rep that i would get a XXXX XXXX, an XXXX XXXX XXXX, and a XXXX XXXX XXXX. The XXXX was stolen before activated, so I contacted customer support and they blacklisted the phone. I was told that I'd have to go inside of a store and get my new XXXX XXXX, but when I visited the XXXX store, I was told they couldn't understand my notes and that they could not help me, and that its nearly impossible to switch a personal acount to a business account. I called XXXX retail support to have the lines canceled and was told that I was too late to cancel. Yet, I never received the XXXX XXXX, nor was I remembered the taxes i paid ( {$110.00} ). i returned all phones back to the retail store only to find out that my account also didnt have insurance on any phone, which i was told i would receive for {$20.00} a month for all three lines. 

To add to the insult, I was told by the XXXX  kiosk rep and by XXXX XXXX XXXX XXXX XXXX XXXX Customer Service that I could pick up my XXXX XXXX  and my XXXX in store, but I was told by XXXX XXXX XXXX reps that they couldn't honor what customer service and the XXXX  rep said I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: CT

Complaint narrative:
Please delete all fraudulent accounts and hard inquiries off my credit file from XXXX, XXXX, and TransUnion immediately. 

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-08-02 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: CT

Complaint narrative:
Please delete all fraudulent accounts and hard inquiries off my credit file from Experian, XXXX, and XXXX immediately. 

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2024-08-02 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: GA

Complaint narrative:
Inaccurate accounts appeared on my credit report this evening, and I have no idea why. I reviewed my credit report as I normally do, but there were unexpected discrepancies. Refreshing my browser didn't fix the problem ; the errors remained. Consequently, I request a thorough check of the documents I've sent to ensure this issue is resolved once and for all.

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 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Unexpectedly, unauthorized inquiries have appeared on my credit report this morning. Upon my routine check, I found discrepancies that I hadnt seen before. Refreshing my browser didn't fix the issue, and the unauthorized inquiries persisted. Because of this, I ask that the documents I've sent be thoroughly reviewed to prevent future worries.

Company response to consumer: Closed with explanation