vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The following is a list of inquiries that were authorized without my content, using my personal information to open accounts fraudulent. The inquires In questions are listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: AZ

Complaint narrative:
On XX/XX/XXXX I told Discover credit to stop calling and harassing me. Since then I have been getting even more calls I can document from XX/XX/XXXX through present date I have XXXX calls from Discover. Sometimes even two and three times a day. I recently got custody of my granddaughters, live on social security and they just don't listen and continue to call. I have the calls documented up through XX/XX/XXXX. The calls prior are no longer available. There should be a penalty for so many calls and they have violated many debt collector laws.This company is Discover it XXXX card ending in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: OH

Complaint narrative:
Dear Jefferson Capital Systems, I am writing to formally notify you that the account referenced under my name was opened fraudulently as a result of identity theft. I demand that you cease and desist all collection activities related to this account immediately. Additionally, please remove any negative information related to this account from my credit reports. Failure to comply will result in further legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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 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 XXXX 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 non-monetary relief
Consumer complaint received 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those accounts to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 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: NY

Complaint narrative:
Date of inquiryXXXX Delete!! 

Unathorized inquiry XXXX  Date of inquiry:XXXX Delete!! 

Unathorized inquiry. 
XXXX  Date of inquiryXXXX Delete!! 

Unathorized inquiry XXXX XXXX XXXX  Date of inquiryXXXX Delete!! 

Unathorized inquiry XXXXXXXX XXXX XXXX Date of inquiry:XXXX Unathorized inquiry XXXXXXXX XXXX Date of inquiryXXXX Delete!! 

Unathorized inquiry XXXX XXXX Date of inquiry:XXXX Delete!! 

Unathorized inquiry XXXX Date of inquiry:XXXX Delete!! 

Unathorized inquiry XXXXXXXX XXXX XXXX Date of inquiry:XXXX Delete!! 

Unathorized inquiry XXXX XXXX XXXX XXXX  Date of inquiry:XXXX Delete!! 

Unathorized inquiry XXXX XXXX XXXX Date of inquiry:XXXX Delete!! 

Unathorized inquiry XXXX Date of inquiry:XXXX Delete!! 

i noticed this issue in XXXX correct information needs to be removed : XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX  # XXXX XXXX, NY XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # FL XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX # # XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX UNDER 15 USC 1666b THIS LATE PAYMENT ENTRY IS A VIOLATION. I HAVE BEEN INCORRECTLY BILLED. 
XXXX  XXXX Account NumberXXXXXXXX please update the status of this account to " paid on time ''. 

Under 15 USC 1666b this late payment entry is a violation.I have been incorrectly billed. 
XXXX Account Number:XXXX******** Please update the status of this account to " paid on time ''. 

Under 15 USC 1666b this late paymententry is a violation.I have been incorrectly XXXX Account Number:XXXX Please update the status of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX XXXX Account NumberXXXX Please update the status of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX  XXXX Account NumberXXXX Please update the status of this account of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX Account NumberXXXX Please update the status of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX Account Number:XXXX********** Please update the status of this account to " paid on time '' This account needs to be validated. 
XXXX Account Number:XXXX**********

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 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: NY

Complaint narrative:
Date of inquiryXXXX Delete!! 

Unathorized inquiry XXXX  Date of inquiry:XXXX Delete!! 

Unathorized inquiry. 
XXXX  Date of inquiry:XXXX Delete!! 

Unathorized inquiry XXXX XXXX XXXX Date of inquiry:XXXX Delete!! 

Unathorized inquiry XXXXXXXX XXXX XXXX Date of inquiry:XXXX Unathorized inquiry XXXX XXXX  Date of inquiry:XXXX Delete!! 

Unathorized inquiry XXXX XXXX Date of inquiry:XXXX Delete!! 

Unathorized inquiry XXXX Date of inquiry:XXXX Delete!! 

Unathorized inquiry XXXXXXXX XXXX XXXX Date of inquiry:XXXX Delete!! 

Unathorized inquiry XXXX XXXX XXXX XXXX Date of inquiry:XXXX Delete!! 

Unathorized inquiry XXXX XXXX XXXX Date of inquiry:XXXX Delete!! 

Unathorized inquiry XXXX Date of inquiry:XXXX Delete!! 

i noticed this issue in XXXX correct information needs to be removed : XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX  # XXXX XXXX, NY XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # FL XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX # # XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX UNDER 15 USC 1666b THIS LATE PAYMENT ENTRY IS A VIOLATION. I HAVE BEEN INCORRECTLY BILLED. 
XXXX XXXX Account Number:XXXX  please update the status of this account to " paid on time ''. 

Under 15 USC 1666b this late payment entry is a violation.I have been incorrectly billed. 
XXXX Account Number:XXXX******** Please update the status of this account to " paid on time ''. 

Under 15 USC 1666b this late paymententry is a violation.I have been incorrectly XXXX Account Number:XXXX  Please update the status of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX  XXXX Account Number:XXXX  Please update the status of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX XXXX  Account Number:XXXX  Please update the status of this account of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX Account Number:XXXX******** Please update the status of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX Account Number:XXXX********** Please update the status of this account to " paid on time '' This account needs to be validated. 
XXXX Account Number: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 2024-06-15 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: WA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccuracies in my credit file maintained by Experian XXXX and XXXX XXXX. Despite numerous attempts to rectify these issues, my credit report continues to contain outdated information, including old addresses and an incorrect date of birth. Furthermore, the credit bureau has removed my social security number from my report, severely impacting my ability to apply for credit, secure housing, and pass employment background checks. This issue has persisted for over nine years. 
I am formally requesting the following corrections be made immediately to my credit file : Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Specifically, I request : 1. Removal of outdated addresses. 
2. Correction of my date of birth to XX/XX/year>. 
3. Add of my social security number, XXXX. 
These corrections are essential for restoring my ability to engage in financial transactions, secure housing, and pursue employment opportunities without unnecessary obstacles. 
Enclosed with this letter are copies of relevant documentation, including proof of identity and previous correspondence with Experian XXXX and XXXX XXXX, supporting my request. I kindly request acknowledgment of receipt of this complaint and a timeline for when these corrections will be completed. 
Thank you for your immediate attention to this matter. I look forward to your prompt 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 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
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 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 XXXX 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 explanation
Consumer complaint received 2024-06-15 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: WA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding the incomplete and inaccurate investigation conducted by [ Credit Reporting Agency Name ] into several accounts on my credit report. These accounts include a third-party collection account, an eviction account, and a student loan account with inaccurate payment history. Despite my attempts to rectify these issues through the proper dispute process, the responses from the credit reporting agency have been inadequate and have failed to comply with the Fair Credit Reporting Act ( FCRA ) requirements. 

Issues Third-Party Collection Account : The third-party collection account listed on my credit report is inaccurate. Despite submitting a detailed dispute, including supporting documentation that proves the debt was paid in full and should not be listed as a collection account, the credit reporting agency failed to correct the information. This violates the FCRA, which mandates the accuracy and completeness of reported information under Section XXXX ( a ) ( XXXX ) ( A ). 

Eviction Account : The eviction account listed on my credit report contains several inaccuracies, including the dates and amounts owed. I provided evidence demonstrating these inaccuracies, yet the credit reporting agency did not perform a thorough investigation, as required by FCRA Section XXXX ( a ) ( XXXX ). Their failure to correct or remove the inaccurate information demonstrates non-compliance with the FCRAs standards for accuracy and completeness. 

Student Loan Account : The student loan account on my credit report shows an inaccurate payment history. Specifically, it incorrectly lists late payments for months when payments were made on time. Despite providing bank statements and other evidence to support my dispute, the credit reporting agency did not correct the inaccuracies. This oversight is a violation of FCRA Section XXXX ( a ) ( XXXX ) ( A ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information. 

Relevant FCRA Statutes Section XXXX ( a ) ( XXXX ) ( A ) : This section mandates that credit reporting agencies must conduct a reasonable investigation into disputed information and ensure its accuracy and completeness. 
Section XXXX ( a ) ( XXXX ) : This section requires that the credit reporting agency notify the furnisher of the disputed information and that both entities must investigate and report the results back to the consumer. 
Impact The inaccurate information on my credit report has significantly affected my creditworthiness, leading to higher interest rates on loans and difficulties in obtaining new credit. It is essential that credit reporting agencies adhere to the FCRAs guidelines to ensure the information reported is both accurate and complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 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: WA

Complaint narrative:
My account with ( DEPT OF ED/XXXX, XXXX  XXXX, XXXX XXXX ) 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 in ( MONTHS REPORTING LATE ) 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. 

( DEPT OF ED/XXXX, XXXX  XXXX , XXXX XXXX ) 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 2024-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
i just get my statement from the bank and found out that my closed account had XXXX dollars in it. and i only get back XXXX dollars bank check.

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