vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I was informed about Equifax data breach XXXX XXXX Americans, my XXXX XXXX XXXX all in data breach as I was told use last XXXX numbers of XXXX, it came back and said I was in the breach. 4 years later Equifax contacted me I don't know how as I have not use email in 4 years thanks to this idiotic computers, lost they contacted me gave me a date to provide info? for what? already did 4 years ago I post bad reviews behind this so it's retaliation. they put u in a class action lawsuit and you end up with a couple dollars well my phi, address phone all was breached I have XXXX letters and limited monitoring which hasn't done XXXX bc my info in others hands. now why and how did me, XXXX XXXX XXXX caught up in a breach. these ppl sent me email 2 day XX/XX/year> saying I wasn't im breach, I was so these ppl need to compensate all XXXX XXXX Americans who were breach may not be able to buy house car bc of Equifax and ill say USA is sloppy you got these uneducated folk ruining consumers I never had credit card, had a XXXX score and now it's poor bc Equifax lying saying I wasn't in the breach and I was I believe I have complaint number maybe. that was XXXX XXXX years ago I just don't remember the email, this why they waited but I contacted them couple times and then post a bad review now after finding my email, they saying I'm not in breach yes I was and so was my XXXX class action gets u XXXX XXXX maybe? XXXX of dollars lawyers get and all the consumers still at risk.mortified. there is no justification for credit bureaus, to find my email, lied and said I was not a part of breach yes I was and even this year I will screenshot it said the same as back in XXXX what a pos of people in USA everyone trying to get over on one another looks like I see it all and will call you out don't matter who, I want credit fixed and reimbursed for Equifax XXXX XXXX XXXX XXXX breached XXXXXXXX XXXX XXXX this happened she was XXXX or XXXX when first was out in XXXX omg

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: CO

Complaint narrative:
FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you please review the documents? Several listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
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 always pay on time ; I am sure of this. However, what I am not sure about is why this company is reporting me as late in certain months, which should not occur. According to USC 1666b, any billing error should be corrected ; otherwise, they will owe me {$1000.00} for each account reporting inaccurately.

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 2024-04-25 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: TX

Complaint narrative:
I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: TX

Complaint narrative:
I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2024-04-25 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: NY

Complaint narrative:
I am writing to dispute the inaccurate reporting of an account on my credit report. Upon contacting the respective company, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the account would be promptly updated. 
XXXX - XXXX XXXX XXXX. 
Your bureau is legally obligated to conduct a reasonable investigation of disputes promptly. XXXX and XXXX have already corrected this inaccuracy on their reports. I urge you to take immediate action to update this erroneous account on my report as well. A written confirmation of its correction would be greatly appreciated.

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 2024-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I fell behind on my car payments due to a medical issue. At the time, ALLY was very accommodating. I was open and honest with communication. I set up a payment plan on XX/XX/XXXX to bring the account current ( XXXX ) by XX/XX/XXXX. On XX/XX/XXXX, Ally issued the repo order and the car was towed that night by XXXX XXXX XXXX. I reinstated the account on XX/XX/XXXX, minus the tow fee, which was deferred by ALLY. Not waived, deferred, so I am still expected to pay that {$440.00} fee. My plates were surrendered to the DMV the DAY AFTER it was repossessed on XX/XX/XXXX per the towing company. They stated they received notice from ALLY instructing them to do so. The original auction date was set for XX/XX/XXXX. Within the time it took for all parties to be made aware the loan was paid and reinstated, ALLY issued a move order ( same day ) to the original towing company ( XXXX XXXX XXXX  and my car was released to a new tow company XXXX XXXX XXXX ) and MOVED XXXX MILES AWAY to XXXX XXXX XXXX XXXX. As of XXXX XXXX, my vehicle is still not accounted for. I requested ALLY provide information on the XXXX XXXX  company and if they can reverse the move order, which is called a Take Back. Absolutely no help. We did say it may be moved. Okay, but moving it after it was reinstated? It seems like youre now deliberately keeping my vehicle from me. I will admit to losing my temper. I understand this is my debt and I owed the money. The point is when you are aware that the vehicle is reinstated, why would you allow a move of the vehicle? Why would you not tell them to hold the vehicle? And why wouldnt you make it right since its your mistake and not the customer? Now Im expected to pay {$300.00} to XXXX to the auction site AND pay to get new plates/ registration all because they could not do a simple thing. Out of the 5 companies involved ( ALLY, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, State Line Auto ) with this comedy of errors, not one can tell me where my car is. ALLY has refused to provide the information. ALLY places the blame at XXXX XXXX XXXX saying they dropped the ball because the redemption hold/ no move order was to be sent from them to XXXX XXXX, and there is no accountability. Secure Collateral has submitted a request to ALLY for them to authorize a Take Back to get the vehicle transported back to XXXXXXXX XXXX and ALLY refuses. We dont do that. All I want is my car brought back and I should not have to pay additional money to do so, or be forced to wait an unreasonable amount of time since this was not my error. I am considering my vehicle stolen at this time and will file appropriately if this is not resolved in a reasonable timeframe.

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 2024-04-25 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-25 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-25 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: FL

Complaint narrative:
It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Included also, all the information required by sections 1637 ( b ) of title 15. 
If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified in the bottom ( lacking reasonable procedures to ensure the accuracy of my account ) and i would timefore request that you remove the late payments from my accounts and consumer report with the following consumer reporting agencies and updated the accounts to positive. 
The accounts are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-04-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc.
State: NY

Complaint narrative:
Opened account with XXXX and ordered XXXX XXXX, they arrived a month late- which prompted me to just buy 2 new phones at the XXXX XXXX XXXX I cancelled the service within a week because the devices never arrived. Almost 20 days later XXXX showed up with a box containing the devices, which I immediately returned them to XXXX. Proof of XXXX delivery attached. I've called XXXX  over 20 times at this point, and they claim that they will continue to bill me ( and send me to Collections ) until phone are scanned at their warehouse. Latest bill was for over $ XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: CA

Complaint narrative:
I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within XXXX business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Bankruptcy Filed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX 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 non-monetary relief
Consumer complaint received 2024-04-25 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: CA

Complaint narrative:
I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within XXXX business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Bankruptcy Filed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: FL

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.

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 2024-04-25 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: IL

Complaint narrative:
Kindly eliminate these inquiries. I lack any information on them, and the company proceeded without my approval.

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 2024-04-25 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: TX

Complaint narrative:
I am writing to bring to your attention a matter concerning the inaccurate reporting of information related to my account. Pursuant to the provisions outlined in 15 USC 1681s-2 ( b ) regarding the Responsibilities of furnishers of information to consumer reporting agencies, I wish to dispute the presence of inaccurate information on my credit report. 

The specific account in question is XXXX XXXX Account # XXXX. According to my recent investigation, it was found that this item was inaccuracy and deleted by XXXX XXXX and XXXX due to inaccuracies in the reporting. It has come to my attention that, despite this deletion, your agency continues to furnish this inaccurate account information on my credit report. 

Per the aforementioned statute, if an investigation reveals incompleteness or inaccuracies, the furnisher of information is obligated to notify the other credit reporting agencies. In this case, XXXX XXXX and XXXX has already taken corrective action by deleting the inaccurate account. However, it appears that your agency has not been notified or has not updated its records accordingly. 

I kindly request that you investigate this matter promptly, and take the necessary steps to delete the inaccurate account from my credit report. I believe that the continued reporting of this inaccurate information is a violation of the legal provisions outlined in 15 USC 1681s-2 ( b ), and I expect your agency to rectify this situation in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX 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