vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-14 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: IL

Complaint narrative:
Kindly expedite these fraudulent accounts from my credit report, as they are not mine and were unknown to me. Per USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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: IL

Complaint narrative:
This unauthorized account is not mine, and I did not authorize its establishment. Please delete this inaccurate account from my records.

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 2024-05-14 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: GA

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 account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Amex gift card awarded for job sales competition. This is a basic digital only card #. I have tried using this as XXXX, XXXX, XXXX, XXXX, and a couple others. ALL rejected. I have contacted Amex gift card customer service where it seems they do not understand anything about their own gift cards.They offered no solution and told me to keep trying other stores. This is not a valid solution. Total card value is {$1500.00}. Their website says they are accepted virtually anywhere Amex is accepted. This is a complete LIE. They need to be held accountable for this practice. The solution is to provide a REAL gift card where users can attach their name/address so that when retailers try to security check them they pass. Do not simply refund the gift card as this was not purchased directly by me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-14 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:
Transunion, XXXX, & XXXX continue to report a late payment on the account XX/XX/XXXX Account # : XXXX. The consumer agencies has provided me with no evidence that proves that I was indeed late XX/XX/year>. Provide me with the evidence that proves this or update my consumer report to reflect accurate information. 

( 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. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2024-05-14 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: FL

Complaint narrative:
I was just able to take a look at my credit report, and am stunned. I am trying to start a business, and I couldnt believe my eyes when I saw all of these mistakes in reporting! 

I don't know why these companies are putting this on my credit report.I have never been delinquent on my payments with any of these people. When I called them they said I needed to just dispute it with you. 

I need you folks to fix these accounts. In the meantime, I may be denied based on all of this. Ive already tried two places. Please don't leave it this way I need your help! The above accounts should be reported as positive standing I thank you for your time. Please investigate and take a look at these accounts : 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 2024-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My name its XXXX XXXX XXXX and I live at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX But I receive a new update on my credit report Where is said XXXX XXXX XXXX XXXX XXXX its wrong its XXXX XXXX XXXX XXXX  cant u please remove the XXXXXXXX XXXX XXXX  please

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 2024-05-14 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: IL

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from 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 explanation
Consumer complaint received 2024-05-14 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: CA

Complaint narrative:
This is not a regular dispute. My credit report is being affected by items that are not both 100 % accurate and fully verifiable. I have been living with a friend because my score is affected by these inaccurate items and am not able to get my own apartment. 
Desired Resolution :

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 2024-05-14 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: TX

Complaint narrative:
This company, Transunion, has NOT addressed any of my issues that are very relevant in this process. I have provided all necessary documentation to dispute the wrongful information on my consumer report. This has been continuous willful violation of the Fair Credit Reporting Act regarding Transunion 's refusal to delete all the UNVERIFIED account information from my consumer file. I am disputing unauthorized and unverified accounts on my credit report in line with 15 U.S. Code 1681i, invoking FCRA protections. Despite submitting documentation from the police report # XXXX, FTC report # XXXX, and CFPB report, the credit bureau 's lack of transparency and refusal to disclose the identity of the verifier, violating 1681i ( a ) ( 1 ) ( A ), demand immediate attention. I demand the following accounts be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please understand that this is a final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all the UNVERIFIED account information from my consumer file. Furthermore, I have sent a letter certified with tracking number # XXXX to ensure its secure delivery.

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 2024-05-14 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: FL

Complaint narrative:
I submitted a dispute online via Equifax website. Equifax replied saying inquiries were a matter of fact and that I needed to contact the people who posted it. I contacted XXXX XXXX and they did not have any record of me or any account that they could search to look into who and when my credit was inquired. 

I called Equifax back and they informed me that I had to go through this process of filing a report, writing a hand written letter, then sending Equifax the complaint, letter and my drivers license, for them to remove the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: MI

Complaint narrative:
In review of my credit profile I saw some inquiries that did not belong to me.

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 2024-05-14 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: FL

Complaint narrative:
I am experiencing ongoing non-compliance by Equifax in correcting significant inaccuracies on my credit report, despite repeated formal requests. These errors are adversely affecting my financial standing and violate the Fair Credit Reporting Act ( FCRA ). 

Equifax has inaccurately reported my personal and financial information : Incorrect Employment Information : Listed as XXXX XXXX needs confirmation. 

Incorrect Address and Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and ( XXXX ) XXXX need to be updated. 

Misreported Accounts : Accounts such as XXXX XXXX XXXX and XXXX XXXX XXXX  are erroneously reported. XXXX XXXX is incorrectly marked as charged off, while XXXXXXXX XXXX XXXX  XXXX XXXX and XXXX XXXX  XXXX are active but reported as closed or late. 

Unauthorized Inquiries : Inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX were not authorized by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: IN

Complaint narrative:
I responded to a Discover card with a balance transfer promotion in XX/XX/XXXX. I logged in to make payments and it always showed nothing due. I saw a paper bill this month XX/XX/XXXX, only to find out that the account I opened was not on my user login. I tried to add it and the system told me already registered. I had to go to the Discover website and use the forgot user login to get into the system for the card with the balance transfer. I made payment in full once I had access. I also found that I was charged {$150.00} in late fees. I also setup automatic payment for the card on the other user login.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
XX/XX/year> @ XXXX XXXX. {$18.00} 6 times at XXXX XXXX, it never went thru while I was there. meaning I walked out with no pizza. I have tried to get this refunded for almost a year. Amex nor merchant will help, both say purchase went thru. Amex claims I filed a dispute and they denied it. I never received proper paperwork to file dispute although I called almost daily for 2 months straight. was told wait up to 120 days. I will not let this go as I did nothing wrong and stealing from someone is wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-14 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: NC

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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: TX

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 1

5 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 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: American Credit Acceptance, LLC
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose!! This company constantly reports to my credit when the car doesn't function properly! I have tried several times for them to understand I have also disputed this from my credit and XXXX will remove it then put it back up which is affecting me! I HAVE RIGHTS NOR DID I GIVE THEM PERMISSION TO DISCLOSE ANY OF MY INFORMATION TO ANYONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: WI

Complaint narrative:
in XXXX I applied for a mortgage through service finance the account was closed in XX/XX/XXXX attached you will find a XXXX XXXX report of the account in question XXXX credit file is incorrect

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 2024-05-14 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:
Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.

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 2024-05-14 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: FL

Complaint narrative:
Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.

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 2024-05-14 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: FL

Complaint narrative:
I was just able to take a look at my credit report, and am stunned. I am trying to start a business, and I couldnt believe my eyes when I saw all of these mistakes in reporting!

I don't know why these companies are putting this on my credit report.I have never been delinquent on my payments with any of these people. When I called them they said I needed to just dispute it with you.

I need you folks to fix these accounts. In the meantime, I may be denied based on all of this. Ive already tried two places. Please don't leave it this way I need your help! The above accounts should be reported as positive standing I thank you for your time. Please investigate and take a look at these accounts 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 non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: PA

Complaint narrative:
I attempted to pay credit control for my collections amount for my XXXX XXXX XXXX I attempted to pay them twice via electronic check and it was never taken out of my account. I received payment confirmations for both payments I attempted, and I was told today both came back with an insufficient funds error even though the account had more than enough. However, I spoke with my bank last night concerning payments made XX/XX/XXXX and XX/XX/XXXX and they had no record of a payment being requested. Since I bank with discover I have to pay via check but the payments aren't going through, to no fault of my bank or myself. I also attempted to communicate via email to get details in writing but I never received a response. I submitted a contact form on their website as well and no one ever got back to me.

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 2024-05-14 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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