vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-17 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:
After carefully reviewing my credit report, I noticed a few inquiries that I neverauthorized. I have heard of companys pulling your credit without permission and Iknow that it is not allowed. Please remove the following unauthorized inquiryXXXX, Experian, and XXXX, of the removal of these fraudulent inquiriestoensure theaccuracy of my credit file. I am also seeking written confirmation of theinvestigation results and any actions taken to rectify this matter. According totheFCRA, you areobligated to provide me with a written response within XXXX  daysofreceiving thisdispute letter, as specified in Section 611 ( a ) ( 1 ) ( A ). Please beadvisedthat any failureto comply with the FCRA 's provisions may result in legal actionandreporting of yournon-compliance to the appropriate regulatory authorities.

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 2024-01-17 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: NM

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 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 2024-01-17 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: NM

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 information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I hope this letter finds you well. I am writing to address an issue I have discovered on my credit report with your bureau. After reviewing my credit history, I noticed that there are late payments recorded on my account. I understand the importance of maintaining a positive credit history, and I am committed to rectifying any discrepancies that may exist. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I would like to highlight that I have been proactive in addressing the situation and have taken the necessary steps to ensure that my financial responsibilities are met promptly. In light of this, I kindly request your understanding and cooperation in removing the late payments from my credit report. 
Enclosed with this letter, please find supporting documentation that substantiates my efforts to rectify the situation. I believe that the removal of these late payments will significantly improve my credit score and contribute to a more accurate representation of my financial responsibility. 
I understand that your bureau plays a crucial role in maintaining accurate credit information, and I appreciate your attention to this matter. I kindly request that you investigate this issue and, if possible, remove the late payments 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 non-monetary relief
Consumer complaint received 2024-01-17 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:
Remove this from my credit report at the earliest opportunity!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Last month, I tried using my Zelle accounts ( which are connected with partner banks and each using a different personal email address ) to send money to another one of my other personal bank account with Zelle. Unfortunately, it appears that my activity looked suspicious and Zelle has placed flags/restrictions on my several emails/my one personal phone number, preventing me from using the email/my personal phone number with Zelle partner banks. However, the effects have had a domino effect. Because Zelle has placed these flags on my emails, I have at least XXXX different partner banks limit my ability to transfer ANY money ( not just through Zelle ). Furthermore, I have even had 1 bank account close on me because of this restriction placed by Zelle. I have talked to Zelle customer support to get the restrictions lifted. But each time, the representatives/managers say they are unable to help ; they direct me to the partner bank customer support. However, when I call the partner bank support ( and I have at least XXXX times ), they say this is a Zelle issue and I must contact Zelle to resolve this, and there is no way to lift a restriction on my basic ability to move money ( like external transfers ) without having Zelle look into the matter. As such, I am getting bounced between partner bank customer support and Zelle support. All throughout this time, this has had a debilitating effect on all my finances and I am at my wits end.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: GA

Complaint narrative:
I noticed unauthorized and unrecognized inquiries on my credit report.According to the Fair Credit Reporting Act ) FCRA ) USC 1681c2 legally these unverified and unauthorized items must be removed within 4 business days.

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 2024-01-17 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: TX

Complaint narrative:
EXPERIAN IS IN VIOLATION OF 15 u.s.c 1681a ( 2 ) ( A ) ( i ) of THE FCRA FOR ILLEGALLY REPORTING TRANSACTION HISTORY ON MY CONSUMER REPORT.

Experian it is illegal to report transactions history on a consumers credit report, by willfully reporting illegal transactions history on my consumer report you violated the Law of the FCRA, Experian your company compliance department are aware of this violation of furnishers and users agreements being that you Experian hat to sign an agreement stating that you would comply with all State and federal laws.

I did not consent to them reporting any of my nonpublic personal information, with the intent to ruin my reputation, my credit worthiness, & my character.

Experian unfair system, is predatory and life ruining and has prevented me from obtaining the credit I need to purchase consumer goods and services for personal family and household use.

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 2024-01-17 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 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 information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capitol One Auto has been harassing me for months about paying back car loan. I have told them many times that I am working with a reduced income and could not afford the high car note of $ XXXXXXXX at one time. 

I have offered to pay down the loan weekly by breaking up the monthly payments into smaller manageable ones and to be paid with my bank card instead of my checking account. That way they would receive their money immediately instead of risking not receiving through my checking account which I already have several auto-pays that are hard to keep up with. I didn't need another one, This was not acceptable as they would rather risk not receiving money through my checking account which in turns increases the risk of being able to add return and late fees to my account. Which has been happening. Not only will they not allow me to pay with my debit card through their bank app, but they also want full payment and if I want to pay with my bank card then I would have to call into their call center and deal with long wait times to complete the transaction. This is stupid as I pay my credit cards with them with my bank card without any long wait times or issues. 

Had they allowed me to make several {$100.00} payments during the week with my bank card through their bank app this account would have been caught up months ago. 

However, that is not the case here. They would rather threaten me with repossession, harass me with multiple daily calls ( including Sundays which I thought was not allowed ) and rack up bank fees in lieu of getting their money immediately, several times a week by simply allowing me to pay with my bank card through their bank app like I do with my credit card with them. Which by the way are paid on time every single month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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. 

1

5 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 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 2024-01-17 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 am filing a formal complaint against Experian, one of the major credit reporting agencies, regarding the handling of my disputes concerning negative information on my credit report. I have recently encountered issues with Experian 's response to my dispute letters, and their assertion that the letters " do not appear to have been sent directly by me or authorized by me '' is both inaccurate and deeply concerning.I submitted dispute letters to Experian on XX/XX/2024 disputing certain negative information on my credit report. However, Experian 's response, as conveyed in their communication dated [ date ], claims that my dispute letters either did not come directly from me or were not authorized by me. This assertion is complicated and distressing, as I can confirm that I personally submitted these dispute letters, and they were authorized by 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 2024-01-17 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: MD

Complaint narrative:
I am writing to express my deep dissatisfaction and frustration with the multiple unsuccessful attempts to address and remove fraudulent item from my account with Transunion Credit Bureau. My intention is to bring to your attention the gravity of the situation and request immediate action to rectify this matter. 

I first identified unauthorized and fraudulent transactions on my account. Since then, I have diligently reported these incidents through your designated channels and followed the prescribed procedures for resolution. Unfortunately, despite my repeated efforts, the fraudulent item have not been adequately addressed, and they continue to persist. 

I have made many attempts to resolve this matter through your customer support hotline and online support portal. Each time, I have patiently provided the necessary information, documentation, and details regarding the fraudulent transactions. Regrettably, I have yet to witness any significant progress in resolving this issue, and the fraudulent item remain on my account. 

This situation has not only caused me significant financial distress but has also eroded my confidence in the security measures and customer support services provided by Credit Bureau. As a loyal customer who has entrusted Credit Bureau and financial information, I expected a prompt and effective response to such critical matters. 

I kindly request an immediate and thorough investigation into this matter. I urge you to expedite the removal of the fraudulent item from my account, reimburse any unauthorized charges, and implement additional measures to prevent such incidents in the future. Furthermore, I would appreciate regular updates on the progress of the investigation and resolution. 

If this matter is not addressed promptly and satisfactorily, I may have no choice but to explore alternative courses of action, including filing a complaint with relevant consumer protection agencies and seeking legal advice. 

I trust that you understand the urgency of this matter and the importance of preserving the trust and confidence of your customers. I am asking for your assistance to remove this fraudulent item in my credit file : XXXX XXXX XX/XX/2023.

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 2024-01-17 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: PA

Complaint narrative:
Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Request for Correction of Personal Information on Credit Report To Whom It May Concern, I am writing to request an immediate correction to the personal information that is currently listed on my credit report as maintained by your agency. This request is made under the Fair Credit Reporting Act ( FCRA ), specifically under Section 1681, which emphasizes the accuracy of information in consumer reporting. 

Name Correction : My correct legal name is XXXX XXXX XXXX, exactly as it appears on my driver 's license. Please update my name in your records to reflect this. Additionally, I request the deletion of any and all aliases or variations of my name that are currently associated with my credit profile. 

Address Update and Deletion of Incorrect Addresses : My current and only valid mailing address is XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Please update this as the sole address in your records. Furthermore, I request the removal of the following incorrect addresses, which are non-mailable and undeliverable for me : XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX These inaccuracies in my personal information could potentially impact my credit score and financial opportunities. It is imperative that your records accurately reflect my personal information to avoid any future inconvenience and possible financial repercussions. 

I expect these corrections to be made in a timely manner, and a confirmation sent to me post the update. Furthermore, I request a revised copy of my credit report post these corrections for my records. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me for any further information or clarification needed to expedite this process. 

Sincerely, 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 2024-01-17 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: GA

Complaint narrative:
I recently received a copy of my credit report and found that you are illegally reporting inaccurate information about me. The following alleged accounts below are listed as closed and yet, theyre kept reporting. This is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. 

[ XXXX XXXX Reported : XXXX XXXX, XXXX ] [ XXXX Reported : XXXX XXXX, XXXX ] [ XXXX XXXX XXXX XXXX XXXX T Reported : XXXX. XXXX, XXXX ] [ XXXX XXXX XXXX Reported : XXXX XXXX, XXXX ] [ XXXX XXXX Reported : XXXX XXXX, XXXX ] [ XXXX XXXX Reported : XXXX. XXXX, XXXX ] [ XXXX XXXX Reported : XXXX XXXX, XXXX ] [ XXXX XXXX Reported : XXXX XXXX, XXXX ] [ XXXX XXXX Reported : XXXX. XXXX, XXXX ] XXXX XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX ] According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed. 
I demand you remove the inaccurate/closed accounts immediately. Please send me an updated copy of my credit report showing your compliance with all FCRA and Metro 2 Reporting requirements.

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