vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights. 15USC1681 section 602 states I have the right to privacy. 15USC1681 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card/account under an open consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc.
State: MO

Complaint narrative:
The company Tek Collect contacted me about owing the amount of XXXX . They sent me an email offering to settle up my account with a payment of XXXX . After making the payment of XXXX XXXX they did not resolve my account and are still trying to collect XXXX . As if we never made a deal. I want them to settle my account as promised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
I would like this debt removed from my credit reports. I am disputing owing any and all debts to them. I am also revoking all rights of them communicating with me through email/text/calls. 
12 CFR 1006.34 ( d ) & 15 USC 1681-S2 ( 7 ) ( A ) : These regulations prohibit collection agencies from furnishing false or misleading information to credit reporting agencies. You can dispute the collection if it contains inaccurate details. 
I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means. 

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) I would also like to request a debt validation and purchase agreement from the original creditor. I also want them to furnish proof that they are licensed and bonded. 
The debt has not been accurately reported so It needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: IL

Complaint narrative:
FCRA XXXX, in my understanding, necessitates the elimination of any incorrect accounts from my credit report. Would you mind verifying the documents? Certain listed accounts exhibit inaccuracies in reporting, including erroneous amounts and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: NJ

Complaint narrative:
I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant XXXX XXXX XXXX they are causing 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 2024-04-09 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: NJ

Complaint narrative:
I am writing to file a formal complaint against experian for inaccurately reporting my payment history. I recently obtained a copy of my credit report and discovered that it inaccurately reflects late payments on my account. Despite consistently making payments on time, my credit report incorrectly indicates that I have been late in making payments. 

The inaccurate reporting by experian has had a detrimental impact on my credit score and financial well-being. As a responsible consumer, I have diligently made all payments on time, and it is unjust for my credit report to reflect otherwise.

I request that the following actions be taken : 1. Immediate correction of my payment history to accurately reflect that I have never been late on any payments. 
XXXX. Investigation into the practices of experian to prevent such inaccuracies from occurring in the future. 
XXXX. Compensation for any damages incurred as a result of the inaccurate reporting, including any adverse effects on my credit score and financial opportunities.

I have attached documentation supporting my claim, including evidence of timely payments and copies of my credit reports indicating the inaccuracies. Attatched is my XXXX report that is reporting the payment history correctly. 

I appreciate your prompt attention to this matter and request that you investigate this complaint thoroughly. Please inform me of any further steps I need to take to resolve this issue. 

Thank you for your assistance 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 explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
XXXX Tried to use debit card for business and personal accounts and the accounts where locked again. They have been locking and unlocking the accounts for the past XXXX months but I did not keep the exact dates. 

I am not working at the moment and the bank keeps locking my account because I am about 1 month behind on my personal loan. I have called and requested help but was told because I am not working they can not help me by modifying the loan terms. 

They continue to unlock the account when I scream and yell and cause a fuss. It was unlock XXXX as I have been using the funds I had in the account to buy food and pay some bills. It was a loan from my sister as I am struggling to find work. 

I do not know how this is even legal. I called a local attorney and he said there isn't a whole lot they can do from a legal stand point. I don't know how this IS LEGAL, as it is my money and my choice to do what I please with it. 

They don't want to work something out with their consumers and do the right thing. 

Please help me unlock my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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:
Kindly eliminate these inquiries ; I lack any relevant information, and the company proceeded without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
On multiple occasions, I have reached out to this creditor requesting that this agency / office sends me valid proof of claim that I am legally obligated to pay this debt. As per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed, and validation of the account is required. I do not believe that I owe this debt, and I have disputed it and allowed the agency appropriate time to show evidence of this debt to be valid, but the agency have disregarded these repeated requests to validate the debt. Such conduct from your company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort. You have violated 15 U.S.C. 1692 ( c ) of the Fair Debt Collections Practices Act by harassing me regarding this debt. I also noticed that this account is showing a debt collection but in the remarks section of my credit report the creditor has account status as open. This agency is also violating 15 USC code 1681eb by reporting inaccurate information on my credit report. This creditor is also in violation of using the copyrighted artwork, FIRST MIDDLE LAST, without my prior written consent. This creditor is violating several laws and I demand that this account be deleted from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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:
It's my understanding that FCRA 605B obliges us to expunge any erroneous accounts from my credit report. Could you please examine the documents? There seem to be inaccuracies in some listed accounts regarding reporting, with discrepancies in amounts and dates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I sent a dispute letter with a copy of the report stating all the inaccuracies in the report that I found, such as Transaction history with $ amounts, undeliverable addressed, and Incorrect late payments, certified mail to XXXX XXXX XXXX XXXX XXXX, XXXX  with return receipt. 
After 30 days 0 action was taken on the report, so I called Experian and was able to remove the different name variations and Undeliverable addresses, and was told the rest of the disputes were still pending. 
After this phone call I sent certified mailed a second letter to Experian, sent to XXXX XXXX XXXX, XXXX, XXXX. In this letter I stated, I have not given written consent for Experian to gather/share/or profit from my personal information in any way shape or form, and that this violation must be addressed within 30 days. I have found more than 13 inaccurate information at of XX/XX/2024, and received no response from Experian. 
However, 65 days after the first dispute letter, I sent a 3rd notice to Experian, notice to proceed with arbitration, delivered certified mail to XXXX XXXX XXXX, XXXX XXXX, XXXX. This letter was sent first week of XXXX, and 0 action has been taken to resolve these matters. I have not given written consent for Experian to furnish any of my personal information and have willfully non complied with all 3 of my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: EQUIFAX, INC.
State: PR

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had 3 late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital tole and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy.

I have never been late on payments for the account : ( XXXX XXXX XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. It proof can't be provided i demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG FINANCIAL CORPORATION
State: AL

Complaint narrative:
Making a complaint of fraudulent account AXCSSFN / CNGO XXXX that's not mine. This company continues to report false information to the XXXX credit reporting agency damaging my credit report. I have filed the proper identity theft report with the Federal Trade Commission. I will take legal action if this company continues to report this false information to XXXX credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: PA

Complaint narrative:
To whom this will concern, my name is XXXX XXXX XXXX and the accounts I've mentioned in this report should not be reflected on my consumer report as they violate my rights as a federally protected consumer according to 15 U.S. Code section 1681E, 1681i, and 1681s-2, and like even if you want if you want to try working inaccuracies that need immediate correction period per FCR guidelines are requesting thorough investigation into these discrepancies and prompt removal to uphold the integrity of my credit history. These listed accounts should not be reflecting on my accounts as I have never applied nor given permission for these credits to report anything on my consumer report. Additional Unauthorized Hard Inquires : 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 2024-04-09 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: PA

Complaint narrative:
To whom this will concern, my name is XXXX XXXX XXXX and the accounts I've mentioned in this report should not be reflected on my consumer report as they violate my rights as a federally protected consumer according to 15 U.S. Code section 1681E, 1681i, and 1681s-2, and like even if you want if you want to try working inaccuracies that need immediate correction period per FCR guidelines are requesting thorough investigation into these discrepancies and prompt removal to uphold the integrity of my credit history. These listed accounts should not be reflecting on my accounts as I have never applied nor given permission for these credits to report anything on my consumer report. Additional Unauthorized Hard Inquires : 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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining. The following inquiries must be removed from my credit report IMMEDIATELY : - XXXX XXXX  || DATE OF INQUIRY : XX/XX/2024 - XXXX  || DATE OF INQUIRY : XX/XX/2024 - XXXX XXXX XXXX DATE OF INQUIRY : XX/XX/2024

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: Rocket Mortgage, LLC
State: MI

Complaint narrative:
delete unauthorized hard inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
delete unauthorized hard inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: IN

Complaint narrative:
I have recently obtained copies of my personal consumer credit report ( XXXX ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( XXXX ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( XXXX ) following its earlier removal from reporting, without issuing the requisite XXXX day notice to me as mandated by reporting regulations that you MUST comply with 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