vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-11 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:
The accounts listed below are not mine and could not be mine because I was incarcerated on the dates they were open in prison. I have shared this with all 3 bureaus and sent proof of everything and asked them under 15 U.S. Code 1681c2 that the items be taken off and they only removed one and never responded about the others. So I asked them under 15 U.S. Code 1681d to prove they are mine which I know they cant because they are not and was never responded to. 

The accounts are XXXX XXXX XXXX Opened XXXX {$130.00} XXXX Opened XXXX {$580.00} XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX And the following inquiries XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX My Identity Theft Report reference number is XXXX and my police report number is 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 2024-01-11 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: NY

Complaint narrative:
I have recently examined my consumer report and observed several instances of late payments on an account for which I have never been overdue. 

Consumer reporting agencies play a crucial role and are obligated to accurately report consumer information to the best of their ability. 

I have consistently made on-time payments for the account XXXX XXXX with the account numbers XXXX and XXXX. 

I request a thorough investigation into this matter and urge you to furnish evidence, such as statements, demonstrating the alleged late payments. 

If substantiating proof can not be provided, I insist that these payments be corrected to reflect their accurate status as 'on time, ' as I have ALWAYS maintained timely payments. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: NY

Complaint narrative:
I have recently examined my consumer report and observed several instances of late payments on an account for which I have never been overdue. 

Consumer reporting agencies play a crucial role and are obligated to accurately report consumer information to the best of their ability. 

I have consistently made on-time payments for the account XXXX XXXX with the account numbers XXXX and XXXX. 

I request a thorough investigation into this matter and urge you to furnish evidence, such as statements, demonstrating the alleged late payments. 

If substantiating proof can not be provided, I insist that these payments be corrected to reflect their accurate status as 'on time, ' as I have ALWAYS maintained timely payments. Thank you.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I have a Raymore and Flannigan credit card and back in XXXX XXXX XXXX  I bought a table set for XXXX . It was still during the heart of the pandemic and we all were trying to slowly build our life back up to normal. I had 1 payment that I missed due to the covid crisis as I was struggling to save money and keep my job. I didn't sent in 1 minimum due payment and I got a late payment on my credit report. I only saw that few days ago when i pulled my credit report. I paid the {$400.00} after back in XXXX of XXXX  when i was able to borrow some money but I didn't not know I had a bad mark on my report. Now I am having a hard time due to the late payment showing on my report getting a loan. I ask you please take that negative mark off as I did pay it fully and I don't have any other bad marks on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I was looking at my report and notice there were some things that was not correct, I sent a letter to XXXX on XX/XX/. But it has been more than 35 days since the credit bureau has responded. Thats a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject of subsection ( f ) and except as provided in subsection ( g ), if the completeness and accuracy of any item of information contained ina consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 days period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2024-01-11 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: FL

Complaint narrative:
Great evening, Seeking assistance regarding removing all addresses, phone numbers, charge offs, closed accounts. Ive attempted prior by mail and this portal, yet the 30 days has just occurred, and the bureaus have yet to respond. Would be greatly appreciated upon satisfaction results. 

Please see attachments. 

Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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:
Great evening, Seeking assistance regarding removing all addresses, phone numbers, charge offs, closed accounts. Ive attempted prior by mail and this portal, yet the 30 days has just occurred, and the bureaus have yet to respond. Would be greatly appreciated upon satisfaction results. 

Please see attachments. 

Thanks in advance

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 2024-01-11 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: VA

Complaint narrative:
Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 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: VA

Complaint narrative:
Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2024-01-11 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: WA

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: LA

Complaint narrative:
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. Code 1681a- Definitions ; rules of construction- Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
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. 
ACCOUNTS : 1. Creditor : [ XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ THIS ACCOUNT IS FURNISHING 30 DAY LATE PAYMENT XX/XX/XXXX, AND XX/XX/XXXX ] Instruction : [ Please Verify and update this account payment history to current ]. 
ACCOUNTS : 1. Creditor : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ THIS ACCOUNT IS FURNISHING 30 DAY LATE PAYMENT ON XX/XX/XXXX ] Instruction : [ PLEASE VERIFY AND UPDATE THIS ACCOUNT PAYMENT HISTORY TO CURRENT ]. 
ACCOUNTS : 1. Creditor : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ THIS ACCOUNT IS SHOWING 30 DAY LATE PAYMENT ON XX/XX/XXXX ] Instruction : [ PLEASE VERIFY AND UPDATE THIS ACCOUNT PAYMENT HISTORY TO CURRENT ]. 
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. Consumer reporting agencies shall not furnish incorrect information unverified from creditor these accounts must be deleted this is defamation to my character. Please Assist thank you.

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 2024-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX I made a contribution to my XXXX  account. This contribution was initiated from my XXXX checking account for the amount of {$220.00}. The money left my XXXX checking account via transfer. The transfer confirmation number is XXXX. As of XX/XX/XXXX, the money is still not in my XXXX account, is withdrawn from my XXXX checking account, and is missing. 

On XX/XX/XXXX, an XXXX representative stated there were no pending incoming transactions from my XXXX checking account. She stated she would do some research and " try '' to call me back by the end of business that day. No call was received. She insinuated no transfer was made, or that I had made an error. 

That same day XXXX opened a non merchant deposit dispute case to investigate the current status of these funds. They confirmed the XXXX  account number and confirmed that the transfer had been completed. The case ID is XXXX. 

On XX/XX/XXXX, I faxed a letter to XXXX and to XXXX detailing the events. 

On XX/XX/XXXX, XXXX confirmed receipt of the fax. That same day I called XXXX again. " XXXX '' stated she would reach out to PNC bank and call me back in XXXX business hours. No call was received. 

On XX/XX/XXXX, I called XXXX a third time. " XXXX '' stated XXXX hadn't heard back from PNC and didn't know when she would hear back because it was a " busy season ''. I asked XXXX to check to see if my fax had been added to my file. She placed me on an extended hold, came back, and said she'd look later and follow up via email. 

XXXX representatives have confirmed the transfer was debited from my account on XX/XX/XXXX and transferred to the correct XXXX account. XXXX has not received my money and has not shown a sense of concern or urgency in resolving this matter. Your assistance is also requested in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Leif Technologies Inc.
State: MT

Complaint narrative:
I had an income share agreement for 7 % for 24 months. I have been making these payments and reporting income changes in good faith. Couple weeks ago, I made my XXXX payment and was happy to know that I have XXXX payments left. Couple days ago I logged in and noticed that my account has a large negative balance, meaning I overpaid. The account also showed that I have only made XXXX payments so far and have XXXX payments left. 
Astonished, I also reviewed the income reported and it showed that I have not reported any income for any previous months. This is not possible because : XXXX. The website does not allow me to make payments if the income is below {$3300.00} amount. However, I have made payments and the account showed that I had XXXX payments left. Thus, if I did, indeed report {$0.00} income, then I would NOT be able to make these payments. 
XXXX. I called " customer service '' and it went to voicemail, which never got a reply. All my emails went to scripted responses apologizing for the " inconvenience '' and telling me I have to keep paying or that I have to fix my mistake for having underreported income, which : a. I do not know what to fix because the amount they claim I under reported is greater than the amount I made that year. For example, they claim I under reported $ XXXX in XXXX. However, as you see from paystubs, I only made -- to the best of my knowledge, less than $ XXXX that year! The only other job I had that year was a job held prior to the begning of the contract, but EVEN if they wrongfully count the income from that job, I only worked part time at $ XXXX so that income would fall UNDER the minimum {$3300.00} at which I have to start making payments per contract ( see attached pay stubs and contract ). 
b. The place they referred me to " fix '' is not working. There is no link. There is just a greyed out page saying that I under reported the income. 
XXXX. Per the terms of the contract, if I did under report my income, then they need to spread out the under reported amount over the course of the remaining payments left. In this case, I only have XXXX payments to make. I do not understand why they take liberty to just reset my XXXX and make it start from the beginning simply because they allege I under reported my income by an amount larger than total income that year! These allegations from them I have in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX have an account on my Experian report which was disputed and with help from CFPB for improper use of my credit report was deleted from both my XXXX and XXXX reports but Experian refuses XXXX follow suit stating the information was verified as accurate when that simply is not true. How can XXXX XXXX  Experian validate something that was not able to be verified by the other XXXX reports and was removed by them? Furthermore my information was in fact exposed in the XXXX data breach and confirmed by them as such. I have filed with Experian more than XXXX dispute about this account and they had a reinvestigation.

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 2024-01-11 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: NC

Complaint narrative:
Why is XXXX staying in my credit report until XX/XX/2032. This is recidiolus since I closed the account on good terms and did not owe anything or anyone.

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 2024-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC
State: GA

Complaint narrative:
On XX/XX/2023 I a correspondence to the credit reporting agency reporting this debt for validating documents ( an original consumer contract with my signature, Pay-off Discloser, Interest Rate Discloser, Balance History, Payment History, and Credit Insurance ) to validate this debt which I have yet to receive.

Company response to consumer: Untimely response
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
In XX/XX/XXXX, someone fraudulently opened a loan to purchase a phone from XXXX at a XXXX XXXX in XXXX, XXXX  using TD Bank. Months later in XX/XX/XXXX I noticed this on my credit report and called XXXX to dispute the fraud. They closed the fraud case saying that they believe it was not Fraud. I live in XXXX, XXXX  and was not even near XXXX  when this happened. I appealed my case and they then again closed my case thinking it was not fraud. I then learned in XX/XX/XXXX, from my credit report the loan was actually opened with TD RCS ( Retail Card Services )XXXX  On XX/XX/XXXX, I filed a police report with the City of XXXX and contacted TD RCS  to dispute the fraud. They sent me a letter in the mail that I had to sign and returned. I made these actions and I still, in XX/XX/XXXX, have not been able to get them to provide a status and update to my credit report. This has hurt me significantly as it brought down my credit score over XXXX points and I have not been able to get a mortgage loan or make any updates to my credit. I'm trying to close on a house in XXXX and I have to have this removed from my credit but TD RCS is not being fair and taking care of their mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian was sent multiple letters via certified mail requesting that they supply the data furnisher used to verify a bankruptcy on file. It has now been several months and I have not received an answer instead they employ stall tactics or just tell me that it is verified. That is evasive and lacks any transparency that is required by law. I am requesting that they supply the data furnisher used so that I can correct the information or delete the erroneous item 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 2024-01-11 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: NJ

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX DEPT OF ED XXXX  DEPT OF ED XXXX

Company response to consumer: Closed with explanation