vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: OK

Complaint narrative:
On Tuesday XX/XX/year> I received a text message from Harris & Harris Debt Collector stating I would receive messages from them. I used a search engine for their phone number and called them to let them know they had the incorrect person. I was transferred twice, and the second person I spoke with informed me that I was never texted when I gave her my telephone number. I also informed her that it is illegal to contact me without prior confirmed consent ( this was all on my cell phone ) and she said no it isn't, they can contact whoever they want. She transferred me again, where I sat on hold for 25 minutes until I hung up. I then replied to the text with STOP and received a text that I was successfully unsubscribed and will no longer receive text messages. I then reported them to the FTC, as I do not even have an account with this company, not have I ever heard of them, nor received anything from them prior to the initial text. 
I stated in a text to them that I reported them to the FTC for violation of the TCPA since I never provided prior consent to be contacted. 
Despite being told I would no longer receive texts I received a response that stated " XXXX , Harris & Harris - collects for Oklahoma Turnpike Authority. Balance : {$100.00}. To Pay : hyperlink provide. Reply STOP to stop. 
I responded " This is not XXXX, my name is XXXX. I have already requested that your firm stop texting me. I tried calling and was put on hold for over 25 minutes. Oklahoma does not allow a vehicle to be registered if there is an outstanding turnpike balance. I registered my vehicle 4 days ago with no issues. You obviously have the wrong person. I have never given express written or verbal consent to be contacted by your company. I have already requested that you stop contacting me, yet you continue to do so. This will also be reported to the FTC. '' Follow with STOP. 

I did a second FTC complaint, ticket # XXXX and XXXX. 
I again tried to call the Firm to ensure that the matter was taken care of, but I was left on hold for XXXX minutes, so I hung up. 

That is XXXX violations of the XXXX from a company that I had never previously heard of, nor do I have an account with. I asked them to stop and they unsubscribed me, and then responded! This caused me to take time out of my workday and was very inconvenient. Per other complaints it seems that this company has a habit of doing such things. There is a monetary compensation for TCPA violations and I wish to be compensated for my time and effort I put in to try to fix a simple mistake and was treated very rudely.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company 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 2024-08-09 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:
Account Name : XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX  Name : XXXX XXXX XXXXXXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. Specifically, under **15 U.S.C. 1681c-2**, I request that these fraudulent accounts be removed from my credit report as they are the result of identity theft. This section of the FCRA provides that a consumer who believes they are a victim of identity theft can request the deletion of information related to fraudulent transactions. 
Failure to remove these fraudulent accounts from my credit report could be considered noncompliance with the FCRA, potentially subjecting XXXX ] to the aforementioned penalties. 


Ive attached my police report showing that my wallet and items containing my personal information have been stolen and compromised. The items listed are a result to me being a victim of theft remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 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: CA

Complaint narrative:
Account Name : XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. Specifically, under **15 U.S.C. 1681c-2**, I request that these fraudulent accounts be removed from my credit report as they are the result of identity theft. This section of the FCRA provides that a consumer who believes they are a victim of identity theft can request the deletion of information related to fraudulent transactions. 
Failure to remove these fraudulent accounts from my credit report could be considered noncompliance with the FCRA, potentially subjecting XXXX ] to the aforementioned penalties. 


Ive attached my police report showing that my wallet and items containing my personal information have been stolen and compromised. The items listed are a result to me being a victim of theft remove them.

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 2024-08-09 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: IL

Complaint narrative:
On my recent XXXX credit report, I discovered that Equifax has inaccurately added 16 inquiries belonging to someone else and in the process they backdating them from XX/XX/XXXX, to XX/XX/XXXX. 

These inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

It is impossible for these inquiries to be mine as each one of them have a reporting date from XXXX and my credit report had no inquiries from the prior years as well as no inquiries as of XX/XX/XXXX, through XX/XX/XXXX. 

XXXX actions violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information on a consumers credit report. 

I demand the immediate removal of these erroneous inquiries from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: MI

Complaint narrative:
My account with Equifax 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 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. 


Equifax 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are unauthorized inquiries on my credit 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 non-monetary relief
Consumer complaint received 2024-08-09 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: MO

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am XXXX XXXXXXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 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: FL

Complaint narrative:
The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX I looked at my TransUnion credit report and noticed some thing is incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2024-08-09 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: LA

Complaint narrative:
I am seeking assistance with addressing some negative items currently showing on my credit report. I have previously provided the necessary documents, including the XXXX specific documents, dispute letters, and details regarding the accounts I wish 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 non-monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

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 : XXXX XXXX XXXX XXXX  - XXXX XXXX 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 2024-08-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: UT

Complaint narrative:
XXXX XXXX recently updated and migrated their system. Due to the migration, payments failed to process. My autopay was set for XX/XX/XXXX, which didn't process due to their migration issues, leaving me with a {$29.00} late fee. I noticed this on XXXX XXXX and sent a one-time payment so I'd be current on my payment plan deal, as well a message through their secure message center trying to get the late fee removed. I tried calling but gave up after being on hold for an hour. I've checked my messages every morning but no response. On XXXX XXXX, I check, still no response, but now my minimum payment has been raised from {$29.00} to {$87.00}. My payment plan still shows as being {$29.00} a month and it's the only thing on the account. I sent another message asking again for the late fee to be removed and for the minimum payment to be reversed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 non-monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 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:
Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Name : XXXX XXXX  XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. Specifically, under **15 U.S.C. 1681c-2**, I request that these fraudulent accounts be removed from my credit report as they are the result of identity theft. This section of the FCRA provides that a consumer who believes they are a victim of identity theft can request the deletion of information related to fraudulent transactions. 
Failure to remove these fraudulent accounts from my credit report could be considered noncompliance with the FCRA, potentially subjecting Transunion ] to the aforementioned penalties. 


Ive attached my police report showing that my wallet and items containing my personal information have been stolen and compromised. The items listed are a result to me being a victim of theft remove them.

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 2024-08-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az, XXXX 15 U.S. Code S 1681c~2 An consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c2 of this title relating to information resulting fromidentity theft, to prevent thatperson from refurnishing such blocked information. 
Capital one account should not be furnished on my consumer report as there in VIOLATION of 15 U.S. Code S 1681c~2 permissible purposes of consumer report ( A ) IN GENERAL to subsection ( C ) any consumer reported agency may flourish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions consumer to whom is related I never gave any consumer permission to report anything on my consumers report which is the violation of my rights no consent is identity theft as a consumer Im demanding a delete account, listed below immediately! 

Capital One Quicksilver Account number XXXX

Company response to consumer: Closed with explanation