vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not do any business with these companies appearing in my credit report and gave a very bad impact on my credit status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-11 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
It is disheartening to know that my rights as a consumer is being violated. I value my credit score a lot the same as everyone else 's and the inaccurate information in my credit report has negatively affected both my financial opportunities as well as my mental health. I've been trying to fix this for some time and my requests kept getting ignored and/or disregarded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It is disheartening to know that my rights as a consumer is being violated. I value my credit score a lot the same as everyone else 's and the inaccurate information in my credit report has negatively affected both my financial opportunities as well as my mental health. I've been trying to fix this for some time and my requests kept getting ignored and/or disregarded.

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 2024-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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 2024-07-11 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX and someone was using my social security number and my dated of birth with a different first name to open accounts and when XXXX XXXX XXXX XXXX XXXX I tried to get a place to stay and found out that someone had identity theft using my information I sent each of the credit reporting agencies a copy of the identity theft report with my ID and my social security number and the only credit reporting agency that would not fix the information is Equifax. I have received the green card from the post office stating that the signed for the information on XX/XX/year> and they keep stating that they never received the information and that they will not correct the information nor will they remove the accounts that are fraud from my credit report. I have tried to work with them and have requested that they allow me to speak with someone in the USA and they keep telling me that I am not allowed and that they will not help me at all. One person stated even if they receive the information they will not help me because I should have not done something XXXX XXXX XXXX XXXX XXXX  and that it my own fault and then they hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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 was never late! I have had exceptional payment history with 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 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 that are reported 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. 


XXXX XXXX XXXX, 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 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 2024-07-11 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:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I need your assistance in regards to these accounts because of these accounts that I have been feeling unwell as these are being reported inaccurately on my credit report. I am really disappointed because this is happening on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
recently, I had reviewed my credit report and noticed fraudulent accounts as well as inquiries, which I have no knowledge of please Can you remove these fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration 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 non-monetary relief
Consumer complaint received 2024-07-10 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:
Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. These accounts need to be blocked or removed from my report. Please see this matter are attended to with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration 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 2024-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
This company has discriminated against me, manipulated me, baited me, falsely accused me of a federal crime to an official government website when the crime was provably not committed, forced me to commit actions within my account so they could suspend my account because of an undisclosed vendetta they have against me or some sort of bias they have against me. They refuse to explain themselves, keep blaming their system and wont assume fault. I am attaching a thorough file that includes proof of : - my identity - bank statement - card ownership- their baiting, lies and manipulation - false accusation of a federal crime - review of prior correspondence and negation of their claims - personal statements and complaints - review of their acceptable use policy and checklist of my not infringing upon it - proof of identity theft This is a XXXX page document. Read everything. You owe me at least that much after all the emotional turmoil youve put me through. And if an American, decision-making employee could call me, instead of a computer or foreigner relentlessly copying and pasting or telling me the same thing over and over again, this would be dealt with a WHOLE LOT QUICKER. My number is XXXX. Ill be awaiting your response and I wont stop until you give me a satisfactory explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: MS

Complaint narrative:
PLEASE BLOCK AND REMOVE I earnestly implore you to take immediate and decisive action to remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Ive been trying to reach out to the proper channels regarding the inaccuracies off my credit report, but to no avail and Ive had enough. It brought tremendous frustration and sleepless nights, worrying if Ill survive tomorrow just because of my credit score being unfairly affected due to these errors on my credit report hindering me from getting my credit applications approved.

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 2024-07-10 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:
Ive been trying to reach out to the proper channels regarding the inaccuracies off my credit report, but to no avail and Ive had enough. It brought tremendous frustration and sleepless nights, worrying if XXXX survive tomorrow just because of my credit score being unfairly affected due to these errors on my credit report hindering me from getting my credit applications approved.

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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I need your assistance in regards to these accounts because of these accounts that I have been feeling unwell as these are being reported inaccurately on my credit report. I am really disappointed because this is happening on 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 2024-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I need your assistance in regards to these accounts because of these accounts that I have been feeling unwell as these are being reported inaccurately on my credit report. I am really disappointed because this is happening on 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 non-monetary relief
Consumer complaint received 2024-07-11 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: Open Dealer Exchange, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX Company/Date- 700 Credit XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Company/DateXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The company 's listed above, I noticed unauthorized inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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:
Hello my name is XXXX XXXX and i am writing this letter distraught and in emotional distress. XXXX and Experian are showing inaccurate information to my report. They both are reporting an account i did not consent, inquire or benefit from. I have requested several times to remove account. This is hurting my credit profile tremendously. I have no debt on my report but this one and it is hurting me. I called both bureaus over XXXX times and no help. I asked to speak to supervisor and i am placed on hold for hours on. They are not protecting me as a consumer. PLEASE HELP I AM COMPLETELY AGITATED.

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 2024-07-10 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: PA

Complaint narrative:
My information was exposed on the Equifax data breech. I recently noticed fraudulent inquiries. Please remove these from my report. 

Name : XXXX XXXX XXXX XXXX Date of inquiry XX/XX/year> Name : XXXX XXXX Date of inquiry XX/XX/year> Creditor Name : XXXX XXXX Inquiry date : XX/XX/year> Creditor Name : XXXX XXXX XXXX Inquiry date : XX/XX/year> Creditor : XXXX XXXX Inquiry date : XX/XX/year> 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: PA

Complaint narrative:
My information was exposed on the XXXX data breech. I recently noticed fraudulent inquiries. Please remove these from my report. 

Name : XXXX XXXX XXXX XXXX Date of inquiry XX/XX/year> Name : XXXX BANK Date of inquiry XX/XX/year> Creditor Name : XXXX XXXX Inquiry date : XX/XX/year> Creditor Name : XXXX CARD SERVICES Inquiry date : XX/XX/year> Creditor : XXXX XXXX Inquiry date : XX/XX/year>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 2024-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CATHAY BANK

Complaint narrative:
I became a victim of ATM skimming while traveling abroad. My Cathay Bank, XXXX branch, checking and savings accounts were fraudulently withdrawn from various XXXX  XXXX XXXX ATM machines between XXXX and XX/XX/year>. My total loss is {$8500.00}, including {$130.00} in bank charges. I noticed and reported the fraudulent ATM activities to Cathay Bank after I returned from the trip on XX/XX/year>. I also reported the incident to the local police precinct in XXXX, NY, but they could not take my case as the crimes occurred overseas. I asked my sister to file a police report in XXXX on my behalf. Cathay Bank returned {$800.00} to my account on XX/XX/year>. Today, Cathay Bank informed me that they are unable to recover the rest of my stolen funds. I am missing {$7700.00}, which constitutes my entire retirement savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I have requested the lien holder ( Ally Financial ) to send my vehicle title to the DMV in New Jersey so I can register my vehicle. My lien holder decided to send my title to Florida instead. After weeks of waiting they finally recieved the title back. I was advised they were sending it to the correct DMV and it would be there in 2 days. I waited the 2 days and it was still not recieved. After waiting 2.5 weeks I called my lien holder back to find out what is going on and they stated they never sent it out. They are claiming to need a signature ( which I have provided in the beginning of the process ). It has been close to 3 months of them effecting me, my job, and my family. I am being forced to pay for my vehicle that they are preventing me from using. Every employee there is giving me different excuses and brushing me off. They are also ending the call, preventing me from leaving any comments on the service ( even when I opt into taking the survey ).

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 2024-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: OR

Complaint narrative:
I had a debt from XXXXXXXX XXXX XXXX XXXXXXXX which I had paid. I asked the debt collection company to send me proof that I owed the debt. They said it was sent but it never was. 

I called XXXX XXXX XXXX XXXXXXXX directly and they told me that my payment didn't actually cover the total cost after insurance and the debt was valid. XXXX said they did not have a way to collect the payment and that I needed to call the debt collection company they sold the debt to. 

I called Harris & Harris to pay off the debt and I paid it off. I asked them to send me a receipt showing I paid the debt. They told me in 30 days I can call in and ask for them to email me a receipt. Any business that you pay should be sending you a receipt and it should be available via paper, and I should not have to wait 30 days and then have to call back in and ask for it. I strongly feel that this is fraudulent/predatory behavior on behalf of the debt collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-11 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: TN

Complaint narrative:
Please urgently remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress.

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