vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-25 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: FL

Complaint narrative:
in accordance with the Fair credit reporting act Accoun # XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 

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.

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 2024-10-26 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: OR

Complaint narrative:
XXXX XXXX XXXX XXXX violated my privacy rights as a federally protected consumer. see attached letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: OR

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX violated my privacy rights as a federally protected consumer. see attached letter.

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 2024-10-25 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: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-25 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: FL

Complaint narrative:
in accordance with the Fair credit reporting act Accoun # XXXX XXXX XXXX  XXXX XXXX has violated my rights. 

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: PA

Complaint narrative:
When I reviewed my credit report today, I was stunned to find inaccurate accounts listed. This was totally unexpected, as I've been checking my report regularly, and everything has always been accurate until now. Refreshing my browser didnt change anything ; the errors were still there. I urgently request a detailed review of my submitted documents to prevent this from happening again.

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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was on a payment plan with XXXX ( representing XXXX teeth aligners ) for XXXX years until XX/XX/year>, when they lost my information, this was an administrative error on their part. They called me to attempt to reinstate the payment plan, but the nature of the call seemed fraudulent and did not make me comfortable - not only was I unsure if it was really XXXX, but they were not even able to explain what happened and why they needed to restart the payment plan. 

Then we got to the last step where I needed to upload my bank info into their system to start again the payment plan. This was not how I joined the payment plan initially, so this felt very unsafe and I did not feel comfortable putting my banking info on that document. In addition, the payment email was from XXXX and showed no connection to XXXX in it. I further contacted byte to confirm things but received no response from them. As a result, I concluded this was a fraudulent attempt and ceased communication with the rep. 

Only XXXX months later after seeing my credit score consistently drop did I figure out this was not fraudulent. I spoke to XXXX and paid everything in full - unfortunately my credit score dropper over XXXX points by then. 

When I spoke to XXXX to help me fix the error, they were very unforgiving and insisted it was my fault for not believing the request was legitimate. They are refusing to help clarify the derogatory remarks in my credit report stating I missed the payments, when in fact, XXXX mishandled my file and did not provide a safe way for me to understand the issue and reinstate my payments. 

I had made every single payment until then, as I have for all of my bills, and yet this XXXX point drop has now affected my ability to get a credit card and mortgage rate. 

Attached documents : XXXX. My email to byte asking about the suspected fraudulent behaviour, of which I never received a response from. 
XXXX. Payment request from XXXX coming from XXXX email

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-26 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: PA

Complaint narrative:
My accounts with XXXX XXXX XXXX XXXX XXXX XXXX  were 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 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. 

( CREDITOR NAME ) 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 2024-10-26 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: PA

Complaint narrative:
My accounts with XXXX XXXX XXXX XXXX XXXX XXXX were 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 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. 

( CREDITOR NAME ) 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 explanation
Consumer complaint received 2024-10-25 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: Block, Inc.
State: DC

Complaint narrative:
My cash app Account was closed with money in the account. I was not granted access to the account and my money was not refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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:
This afternoon, I was shocked to find incorrect accounts on my credit report, and I cant understand why. When I checked my report, as I do regularly, there were suddenly unexplained discrepancies. I even tried refreshing my browser, hoping it was just a glitch, but the errors stayed. Given this issue, I request a thorough review of the documents I've submitted, so I wont have to worry about this happening again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-26 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: FL

Complaint narrative:
in accordance with the Fair credit reporting act Account # XXXX XXXX XXXX XXXX has violated my rights. 

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.

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 2024-10-26 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: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-26 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: PA

Complaint narrative:
I am confused about why TransUnion and XXXX have accounts listed on my report that dont belong to me. I rarely use credit, so its concerning to see this. It feels like a violation, especially since I wasnt notified about these accounts. This situation is very upsetting, particularly as Im looking to buy a new house. I was informed about negative items on my report, and theyre hindering my ability to move forward.

I urge you to investigate this matter and remove the fraudulent accounts from my report as soon as possible. Im eager to purchase a home soon, and this issue is creating significant obstacles. If necessary, I will seek monetary relief due to the tampering of my name. I already have legal counsel ready to file a petition in civil court if this issue isnt resolved promptly. Thank you for your attention to this urgent 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 2024-10-25 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: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiries on my credit report.Please dispute and remove listed fraudulent inquiries from my credit report 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 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 2024-10-25 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:
Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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 am asking for your help regarding an incorrect account being listed on my credit report, which has affected my reputation as a customer. These accounts should be removed, as they have been reported inaccurately and negatively.

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 2024-10-25 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: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
On XX/XX/year> m I recently reviewed my consumer credit reports, and noticed this company LVNV # XXXX, is listed as original creditor. When another one of my credit profiles listed them to be the " buyer of debt '' to this account, as well as another company being listed the " original creditor '' under this same account number. How can two companies be the " original creditor ''? they cant! and this is being reported inaccurately on my consumer profile and is a violation of my consumer rights under the FAIR CREDIT ACT that I have the right to my credit file being reported fairly and accurately. I called LVNV, gave them my first and last name and my telephone number and proceeded to request the original purchase agreement and or contract with my wet signature with the account number provided to them from my consumer report so that I could properly verify this account. They proceeded to request other personal information from me over the phone. Being they are listed on my credit profile as " original creditor '' and " buyer of debt '' I feel this is or was an attempt to commit fraud by this company being they could not verify who they were to me and stated that this was an attempt to collect a debt. Under 15 USC 6802 I was not notified by this alleged company listed nor made aware in any way that this account would be reported to the Credit Bureaus nor was I given any opportunity to OPT out of said account being reported on my consumer report. I have no recollection of such account. Being that they refused to verify this account with me ( this is breaking the law ) under The Fair Reporting Credit Act ( FRCT ) Also under 15 USC 1681b, specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports as defined by the ( FCRA ) which means, the credit agencies must have written instruction by me " the consumer '' that I am allowing you or your company put this on my consumer report. I've never sent any letter of consent to any of these agencies, if so they need to verify such letter otherwise please remove this account from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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:
I checked my credit report as I always do, only to discover inaccurate accounts had appearedout of the blue, with no explanation. I even tried refreshing the page, thinking it might be a display error, but the accounts remained. I would really appreciate a thorough review of the documents I submitted to ensure this wont happen again.

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 2024-10-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
This company is reporting fraudulent and inaccurate information on my credit report. I have requested that they provide the purchase agreement and other relevant documents to verify full ownership of the account. I need to review these documents to determine whether the account actually belongs to me. As of now, I have not received the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I had Got a car from the dealer ship long story short there was a lawsuit and the company was to issue me the title and forgive the loan instead after they lost the lawsuit they came and took my car told me to bad thag they are done with the lawsuit and that a payment was issued to me and that if i cashed The check that's was my restitution and i did Not revive no check they then issued me another check that k do have now and refuse to cash as that is not what i want I want My car back and the value of my car was XXXX they have it as i defaulted In the loan and it's in my credit but they need to give me the car back and fix this as they lost the lawsuit and i wuolifted qualified for loan forgiveness and got the notice from there attorney and stayed i woukd be sent the title and rest of the paperwork stating the loan forgiveness and then never got the letter or the title then later they take the car from me and i had All my things inside the car they would not tell me where the car was and it make this right now they hang up everytime i teybto Call and act as if they can't hear me. Iv called using different phone and same thing

Company response to consumer: Closed with explanation