vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-27 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: NY

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous.3 Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-09-27 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: GA

Complaint narrative:
The company has been garnishing my check every week to pay the remaining balance and the account is showing charged off and the owed balance is incorrect and it's not showing on my credit report Writ of Garnishment ACTIVE CASE ID XXXX GOAL AMOUNT {$8900.00} XXXX ID XXXX PAID TOWARDS GOAL {$2200.00} START DATE XXXX REMAINING BALANCE {$6600.00} PAID TOWARDS LIEN {$2200.00} END DATE XXXX LAST DEDUCTED AMOUNT {$210.00} LAST DEDUCTED DATE XXXX DEDUCTION AS PER ORDER 25.0 % DEDUCTION FROM Disposable Income PAYEE NAME MAGISTRATE COURT OF XXXX XXXX JUDGEMENT CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX This is proof and I have proof of weekly amounts being taken out of my check

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: GA

Complaint narrative:
The company has been garnishing my check every week to pay the remaining balance and the account is showing charged off and the owed balance is incorrect and it's not showing on my credit report Writ of Garnishment ACTIVE CASE ID XXXX GOAL AMOUNT {$8900.00} XXXX ID XXXX PAID TOWARDS GOAL {$2200.00} START DATE XXXX REMAINING BALANCE {$6600.00} PAID TOWARDS LIEN {$2200.00} END DATE XXXX LAST DEDUCTED AMOUNT {$210.00} LAST DEDUCTED DATE XXXX DEDUCTION AS PER ORDER 25.0 % DEDUCTION FROM Disposable Income PAYEE NAME XXXX XXXX OF XXXX XXXX JUDGEMENT CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX This is proof and I have proof of weekly amounts being taken out of my check

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: GA

Complaint narrative:
The company has been garnishing my check every week to pay the remaining balance and the account is showing charged off and the owed balance is incorrect and it's not showing on my credit report Writ of Garnishment ACTIVE CASE ID XXXX GOAL AMOUNT {$8900.00} XXXX ID XXXX PAID TOWARDS GOAL {$2200.00} START DATE XXXX REMAINING BALANCE {$6600.00} PAID TOWARDS LIEN {$2200.00} END DATE XXXX LAST DEDUCTED AMOUNT {$210.00} LAST DEDUCTED DATE XXXX DEDUCTION AS PER ORDER 25.0 % DEDUCTION FROM Disposable Income PAYEE NAME MAGISTRATE COURT OF XXXX XXXX JUDGEMENT CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX This is proof and I have proof of weekly amounts being taken out of my check

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: MI

Complaint narrative:
I also want to point out the fact that ive never given any of these companies the right to have my information which is totally illegal

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous.3 Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous.3 Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Sezzle Inc.
State: CA

Complaint narrative:
Sezzle account had been blocked due to someone who used to live at my address filling bankruptcy. Tis person information has nothing to do with me and I demand Sezzle to change their records so I can use my account accordingly. 

XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Last XXXX : XXXX Phone : XXXX Email : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-09-27 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:
I am writing to formally dispute the accuracy of the following information listed on my credit report. I have reviewed my report and found that the following accounts contain incorrect information and should be investigated immediately. 

XXXX. Account Name : ** XXXX XXXX - XXXX Number : ** XXXX - **Date Opened : ** XX/XX/XXXX - **Amount : ** {$160.00} - **Reason for Dispute : ** I believe this account has been inaccurately reported. 

XXXX. Account Name : ** XXXX XXXX - XXXX Number : ** XXXX - **Date Opened : ** XX/XX/XXXX - **Amount : ** {$330.00} - **Reason for Dispute : ** The amount and details of this collection do not reflect accurate information. 

XXXX. Account Name : ** XXXX XXXX ( XXXX XXXX ) - **Account Number : ** XXXX - **Date Opened : ** XX/XX/XXXX - **Amount : ** {$480.00} - **Reason for Dispute : ** This account is inaccurately listed on my credit report. 

Please conduct a thorough investigation of these matters and remove any information that can not be verified. In accordance with the Fair Credit Reporting Act ( FCRA ), I expect these items to be investigated within 30 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 non-monetary relief
Consumer complaint received 2024-09-27 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: SC

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, has violated my rights. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


15 U.S.C 1681 section 602 A. states I have the right to privacy.

15U.S.C1681 section 604 A, section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c ( 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 or convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-2 ( 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 intentions are inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-09-27 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: OH

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX, Account name : XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX, has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

Resources

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 2024-09-27 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: WI

Complaint narrative:
I have been sending lettrs to all three credit bureaus about accounts that are not valid and that i need removed immediately if they can not validate the accounts within 15 days they keep coming back verified but that is a lie

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 2024-09-27 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: WI

Complaint narrative:
I have been sending lettrs to all three credit bureaus about accounts that are not valid and that i need removed immediately if they can not validate the accounts within 15 days they keep coming back verified but that is a lie

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-09-27 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: FL

Complaint narrative:
I am writing to request an investigation of the following information that appears on my Credit Reports. 
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX I dont recognize the following inquiries in question. 
My social has been in numerous data breaches and I currently have free credit monitoring. Im requesting the following information be deleted from my Credit reports 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 2024-09-27 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: GA

Complaint narrative:
XXXX, XXXX, ( XXXX ), XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , blockinformation appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A Collection Opened at at XXXX on XX/XX/XXXX Account number ( XXXX ) a revolving opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) a Collection Opened at XXXX XXXX XXXXXX/XX/XXXX Account number ( XXXX ) a Collection Opened at XXXX XXXX XXXXXX/XX/XXXX Account number ( XXXX ) A Collection Opened at XXXX XXXX XXXXXX/XX/XXXX Account number ( XXXX ) a XXXX Opened aXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account number ( XXXX ) a revolving Opened at XXXX on XX/XX/XXXX Account number ( XXXX ) a Collection Opened at XXXX XXXX XXXXXX/XX/XXXX Account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, andhard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft CriminalComplaint ( XXXX and XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: OH

Complaint narrative:
I am formally challenging you to review the data on file for me and ensure that it is accurate and up-to-date. I am citing the Fair Credit Reporting Act ( FCRA ) section 611 as well as Metro 2 compliance standards in doing so. Any inaccuracies or deficiencies in the reporting must be corrected immediately. My credit report needs to be accurate and complete, so please follow these standards to ensure that you are meeting deadlines and maintaining accuracy. 
The information in my profile is wrong and it needs to be fixed immediately. Thank you for taking action to resolve this.

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 2024-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I requested multiple balance transfers to my Bank of the America Credit Card in the past year and never missed a payment. I have a balance transfer that is about to expire on XX/XX/XXXXXXXX That specific deferred interest balance, on XX/XX/XXXX was for a total of {$3300.00}. My understanding is all credit card payments in excess of the minimum monthly payment needs to be allocated to the deferred interest balance for 2 billing cycles prior to the expiration date. From XX/XX/XXXX to XX/XX/XXXX, I made XXXX payments totaling {$6000.00}. According to Regulation Z ( XXXX ), that deferred interest balance should have been paid off. On my XXXX statement, the deferred interest balance expiring on XX/XX/XXXX is {$3000.00}. 

I had a virtual chat with XXXX on the Bank of America App on XXXX I also had a phone conversation on XX/XX/XXXX. Both agents stated that the payments could only be applied to the balance with the highest APR. I informed the agent on the phone XXXX XXXX ) about the federal law stating payments within the 2 billing cycles prior to the expiration date need to go towards the deferred interest balance. He stated Bank of America 's credit card agreement does not state they have to do this. I asked him if he could send me an electronic copy of the credit card agreement, he said he could not. The agent attempted to contact a manager but after a few minutes, he stated there was none available. After being on the phone for 39 minutes, I ended the phone call. 

I can not find the credit card agreement that was mailed to me but I did find one online which states this. The credit card monthly statement also states the same thing. However, neither documents mentions anything about excess payments requiring to go towards the deferred interest balance that is about to expire within 2 billing cycles.

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