vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 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 HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: OH

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 XXXX XXXX Reported : XXXX XXXX, 2024 XXXX XXXX XXXX Reported XXXX XXXX XXXX, 2024 XXXX XXXX XXXX Reported : XXXX XXXX, 2024

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 2024-11-15 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: GA

Complaint narrative:
I SENT DISPUTES IN WEEKS AGO, DISPUTING INACCURATE ACCOUNTS REPORTING ON MY CONSUMER REPORT. YOU VERIFIED THAT THE ACCOUNTS WERE ACCURATE IN REPORTING AND SHOULD NOT BE DELETED. THESE ACCOUNTS HAD DIFFERENT DATES REPORTING BETWEEN ALL XXXX BUREAUS and makes it an FCRA violation. HOW DID YOU VEIFY THE ACCURACY OF EACH ACCOUNT? I am now requesting the " Method of Verification '' you used on each of these accounts that are reporting on my consumer report. I need in detail all of the information that was given to you. if you can not give this to me or if you do not have it, then you are to delete these accounts immediately from my consumer report. ( YOU HAVE 15 DAY TO COMPLETE THIS ) or ( I WILL START LITIGATION THROUGH THE CFPB ITSELF FIRST FOR DAMAGES UNDER THE FCRA ) Delete these accounts immediately : ( XXXX  XXXX  -- Account # XXXX ) ( XXXX XXXX XXXX -- -Account XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
I have been paying on a debt sold from XXXX XXXX XXXX XXXX, since XXXX to XXXX. I verbally agreed to make payments monthly with a XXXX XXXX around XX/XX/XXXX. To my knowledge I was never served or signed any agreements on this debt. Payments were made online. There has been XXXX communication. Website only allows you to input payment ; does not allow consumer to validate current balance. After XXXX yrs I received advertisements letters from attorneys followed by a certified notice of garnishment filed around XX/XX/XXXX about 10 days ago. Balance due XXXX. I made a small payment of {$100.00} on or about XX/XX/XXXX. As of today, the payment of XXXX has been made in full. I called to XXXX to notify them. Different avoidance tactics were used. I spoke with XXXX. I requested they send me in writing confirmation of balance. I also confirmed I had paid in full. She told me she has not received payment. The notice from court mentions 45 days to file answer. XXXX stated the garnishment has already been implemented. To date I have not been notified of such by my employer. I received in the mail today, XX/XX/XXXX a certificate of service dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account name XXXX, account number 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 states. A consumer reporting agency can not furnish a account without my written Instructions.

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 2024-11-15 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT XXXX ) XXXX  XXXX : OPENED XXXX CHARGE-OFF XXXX PAST DUE $ XXXX THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT XXXX ) XXXX XXXX  XXXX : OPENED XXXX CHARGE-OFF XXXX PAST DUE $ XXXX THIS IS NOT MY ACCOUNT XXXX XXXX XXXX THEFT XXXX ) XXXX XXXX  : OPENED XXXX CHARGE-OFF XXXX THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT XXXX ) XXXX XXXX XXXX : OPENED XXXX XXXX XXXX PAST DUE $ XXXX THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT XXXX ) XXXX XXXX  : OPENED XXXX XXXX PAST DUE {$7700.00} THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT XXXX ) XXXX XXXX XXXX : OPENED XXXX CLOSED XXXX PAST DUE $ XXXX THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT XXXX ) XXXX XXXX XXXX : OPENED XXXX CLOSED XXXX PAST DUE $ XXXX THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT

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 2024-11-15 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:
XXXX XXXX XXXX XXXX OPENED XXXX CHARGE-OFF XXXX DUE $ XXXX THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT XXXX ) XXXX  XXXX : OPENED XXXX CHARGE-OFF XXXX PAST DUE $ XXXX THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT XXXX ) XXXX XXXX  XXXX : OPENED XXXX CHARGE-OFF XXXX PAST DUE $ XXXX THIS IS NOT MY ACCOUNT XXXX XXXX XXXX THEFT XXXX ) XXXX XXXX XXXX OPENED XXXX CHARGE-OFF XXXX THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX  : OPENED XXXX XXXX XXXX PAST DUE $ XXXX THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT XXXX ) XXXX XXXX : OPENED XXXX XXXX PAST DUE {$7700.00} THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT XXXX ) XXXX XXXX XXXX : OPENED XXXX CLOSED XXXX PAST DUE $ XXXX THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT XXXX ) XXXX XXXX XXXX : OPENED XXXX CLOSED XXXX PAST DUE $ XXXX THIS IS NOT MY ACCOUNT VICTIM OF IDENTITY THEFT

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 2024-11-15 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: MO

Complaint narrative:
I do not consent to e-OSCAR verification, I want a real human being to read this complaint. This is a NOTICE for GENERAL COUNSEL. I have complained about this matter before, but Experian has not yet fixed the problem nor has compensated me for federal consumer violations and damages. Experian continue to furnish XXXX DEPARTMENT OF EDUCATION. I will have proof of my claims attached and I will have my XXXX attached. Also, an invoice will be attached below. If we can't come to a fair and reasonable resolution, then I fully intend to pursue 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 2024-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
ON XX/XX/2024, I NOTICED SOME UNAUTHORIZED CHARGES ON MY BANK OF AMERICA ACCOUNT. TOTALING {$5400.00}. I OPENED A CLAIM AND 9 DAYS WENT BY AND THEY CLOSED IT WITHOUT THOROUGH INVESTIGATION. THEY DIDNT REACH OUT TO COMPANY INVOLVED AND CLOSED MY CASE DUE TO " PREVIOUS HISTORY '' I DID NOT MAKE THESE TRANSACTIONS OR AUTHORIZE ANY XXXX TO DO SO & I DONT HAVE ANY ACCOUNT WITH THE COMPANY WHICH TRANSACTIONS WAS MADE TOO. I CALLED TO REOPEN CASE & ASKED FOR AN EMERGENCY PROVISIONAL CREDIT DUE TO RENT BEING DUE AND THEY STATED THEY DONT PROVIDE PROVISIONAL CREDITS WHEN THE AMOUNT IS OVER A CERTAIN THRESHOLD. THIS IS A FRAUD CASE PLEASE HELP.

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 2024-11-15 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: TN

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: TX

Complaint narrative:
XX/XX/year> Subject : Request for Investigation and Correction of Inaccurate Late Payments on My Credit Report Dear CFPB, Following your agency 's completion of the investigation as outlined in this complaint, I am writing to request a detailed description of the investigation process followed by TransUnion regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX ( a ) ( XXXX ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
I recently reviewed my credit report and noticed that my XXXX  XXXX account includes inaccurately reported late payments. I have consistently paid this account on time, and there have been no late payments. As a credit reporting agency, TransUnion is required to report all information with complete accuracy. Therefore, I am requesting that you investigate this account and update the payment status to reflect timely payments. 
Summary of Errors and Discrepancies : In reviewing the payment history, I have identified discrepancies in reported late payments that do not match my actual payment record : XXXX reports a XXXX late payment for XX/XX/year>. 
TransUnion and XXXX report a XXXX late payment for XX/XX/year>. 
These entries are incorrect and negatively impact my credit profile. According to my records, all payments were made on time, and no late payments should appear on this account. 
Legal Basis for Dispute : Under the FCRA ( XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) ( i ) ), my consumer report should not contain information that inaccurately reflects my payment history. Inaccurate reporting of late payments is a violation of the FCRA and misrepresents my creditworthiness. Additionally, sections XXXX XXXX. XXXX and XXXX mandate that credit reporting agencies, including XXXX, XXXX any inaccuracies or incomplete information to ensure maximum accuracy. 
Requested Action : I request that TransUnion conduct a comprehensive investigation into this account and remove the inaccurate late payment entry to reflect my accurate, on-time payment history. 
Please provide a description of the procedures used to verify the accuracy of these entries and confirm the removal of these inaccuracies in writing within 30 days of this complaints submission. Failure to resolve this issue XXXX lead to further action to protect my rights as a consumer. 
Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the corrections within the timeframe mandated by the FCRA. 
Sincerely, 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 2024-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
I believe Citi could possibly be committing fraud. 

I have a Citi XXXX XXXX. It has a 0 % interest rate on balance transfers ( until XX/XX/XXXX ) and has a balance of a couple XXXX dollars from a balance transfer. I have consistently paid down the bill since XXXX, and have not had any interest charges during the duration of opening the card. My XXXX statement showed a {$0.00} balance on purchases, and {$2100.00} in balance transfer owed ( still 0 % int on that ). 

However, my XXXX statement shows that on XXXX XXXX, I made a purchase of {$100.00}. ( APR on purchases is 29.49 % ). On XX/XX/XXXX I made a scheduled payment of {$500.00}. On XX/XX/XXXX I made an additional payment of {$20.00}. ( Also, the minimum payment was {$20.00} ). And yet, on XXXX XXXX, I was charged interest!!!! This seems to violate the XXXX XXXX. My payment was far above the minimum, and more than enough to cover the new purchase. 

The interest was only {$1.00}, so not really a big deal, BUT for other account holders with larger balances or who also have running transfer/purchase balances with varying interest rates ( 0 % /something exorbitant ), they could very easily be getting scammed out of lots of money and not realize it! 

Please investigate Citi!!

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 2024-11-15 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: OH

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 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. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 XXXX XXXX XXXXeported : XXXX XXXX, XXXX {$8600.00} XXXX Reported : XXXX XXXX, XXXX {$20000.00} XXXX Reported : 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 2024-11-15 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: FL

Complaint narrative:
My account with 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 XXXX XXXX XXXX. 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 to be removed. They are not in compliance with the following law. XXXX XXXX XXXX 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! XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX 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 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2024-11-15 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: FL

Complaint narrative:
My account with 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 XXXX XXXX XXXX. 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 to be removed. They are not in compliance with the following law. XXXX XXXX XXXX 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! XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX 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 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2024-11-15 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent account name XXXX, account number XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX states. A consumer reporting agency can not furnish a account without my written Instructions.

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