vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-15 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:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: OH

Complaint narrative:
I am a victim of identity fraud. Someone was making withdrawals out of my checking account and my overdraft protection from my saving account replenished the checking until all funds were gone. This person opened new credit cards, applied for loans, and use my current cards in my name. All of my funds are gone and waiting for review. My credit score went from XXXX to XXXX. They are building the case against the person. A police report was filed.

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 2024-05-15 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: TX

Complaint narrative:
I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.

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 2024-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Foris DAX, Inc.
State: FL

Complaint narrative:
i was scam out more than XXXX XXXX dollars and it happen thru crypto.com by scammers who uses there platform to do these acts .... crypto knowing exactly what happen gave me the run around about the entire matter so i am asking for cfpb to help me a innocent victim of this matter get them to return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights.

15 U.S.C 1681 section 604 A section 2 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 2024-05-15 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:
In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights.

15 U.S.C 1681 section 604 A section 2 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 explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I received an Amex XXXX XXXX. It arrived in an email from XXXX. When I follow the link in the email, the card number, expiration date, and CVV appear, and it initially showed a balance of {$500.00}. When using these details at XXXX, no field for CVV appears, but the card appears to work. When checking back a few days later, the payment has not gone through. On the amexgiftcard.com page, there are some confusing transactions. One is a {$.00} charge used to verify the card. The other says " Declined - Missing security code - XXXXXXXX XXXX ... ''. So far, there is no error message on XXXX ; it looks the same as if it's still waiting for the payment to go through. 

I also tried using the card at XXXX. In this case, there was a field for CVV, and filling out the details appeared to work. However, I quickly received an email from XXXX saying the payment was declined. The page for the card then showed many more transactions that say " Declined - Missing XXXXecurity code - XXXX XXXX  NC INTERNET FULFILLMENT ... ''. The order total was separated into XXXX amounts, and each amount appears 2 or 3 times. To reiterate, the CVV was supplied for the XXXX order. 

This has happened with previous AmEx XXXX cards like this as well, but I just dealt with it. Hopefully this detailed report will be helpful in correcting this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-15 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: IL

Complaint narrative:
According to the statutes outlined in 15 US Code 1681 ( e ) and 15 US Code 1681 ( 5 ), this account is in breach for failing to provide completely accurate information. It falsely attributes the bankruptcy court as the source of information, which is deceptive and constitutes forgery, especially considering the court does not typically report such accounts. I hereby formally request the immediate removal of these accounts to uphold the accuracy and reliability of my credit profile, as mandated by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
My property was sold in a tax foreclosure in XXXX. I have continued to make payments to preserve my credit, I was told by the banks foreclosure department that if I no longer own a property that I have a HELOC on, the debt should be charged off. They have yet to charge off the debt, saying, they cant charge it off until I stop paying. I dont want to stop paying bc a bunch of late payments plus a charge off will damage my credit beyond repair.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-05-15 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:
15 U.S.C 1681 section 602 A. States I have the right to privacy. As well as 15 U.S.C. 6802, and the Privacy Act of 1974. This company is also violating Metro 2 Compliance guidelines. This is FRUAD AND IDENTITY THEFT. It saddens me to know that this company has complete control over my livelihood by sharing private personal information that is incorrect or invalid and AGAINST MY WILL. Their power is going completely unchecked, even with the laws in place that are supposed to protect my consumer and civil rights. I will be taking this company to arbitration if the following addresses are not removed immediately I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611

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 2024-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: NY

Complaint narrative:
I went to the XXXX  on XX/XX/XXXX for the XXXX  XXXX  XXXX. I had XXXX XXXX XXXX through the XXXX XXXX XXXX. Being as it was the annual the insurance is supposed to cover it. I received an XXXX showing no patient responsibility, then a second one showing patient responsibility for {$150.00}. A series of back and forth seem to have occurred between the doctors office and XXXX. I then received a bill from the doctors dated XX/XX/XXXX for {$100.00}, then a new bill dated XX/XX/XXXX revised to {$50.00}. Subsequent bills dated XX/XX/XXXX and XX/XX/XXXX came for {$50.00}. 
Finally an undated letter from Eastern Account of Connecticut, a debt collector stating they are trying to collect. 
First as stated this was an annual medical exam which is fully covered under the XXXX. Second it is clear that the insurers have neglected to pay the doctors who have decided to get the money from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: CA

Complaint narrative:
I am writing to address an inaccuracy in the recording of a payment on my credit report, which was erroneously processed by XXXX XXXX Despite my timely payment, there was a discrepancy in the recording due to an error in their software system. Upon discovering this issue, I immediately contacted XXXX XXXX to rectify the error. They acknowledged the flaw in their recording software and agreed to update the payment status to " open/never late '' to accurately reflect my payment history.It is crucial that this correction be reflected on my credit report to ensure the accuracy of my financial standing. I respectfully request that you update this information accordingly. 

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 2024-05-15 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: FL

Complaint narrative:
XXXX XXXX XXXX is violating my rights. 
The company is trying to collect the debt that is not owed. Also publish XXXX inaccurate information on my credit report. There are XXXX different totals owed. The account was open by identity theft when I was visiting a friend who lived at that apartment complex. I sent the company a copy of the police report and a copy of electricity bill from my address in XXXX XXXX The company does not have an original signed copy of a lease. The apartment lease started on XX/XX/XXXX. the contract states that it was signed on XX/XX/XXXX. 

15 U S.C. 1681 Section XXXX A. States I have the right to privacy. 15 U S.C. 1681 Section XXXX A Section XXXX : States a consumer reporting agency can not furnish a account without my instructions. 15 U S.C. 1681c ( a ) ( XXXX ) 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 crime which antedate the report by more than XXXX years. 15 U S.C. 1681s -2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows or has responsible costs 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 2024-05-15 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: FL

Complaint narrative:
XXXX XXXX XXXX is violating my rights. 
The company is trying to collect the debt that is not owed. Also publish ed inaccurate information on my credit report. There are XXXX different totals owed. The account was open by identity theft when I was visiting a friend who lived at that apartment complex. I sent the company a copy of the police report and a copy of electricity bill from my address in XXXX XXXX. The company does not have an original signed copy of a lease. The apartment lease started on XX/XX/XXXX. the contract states that it was signed on XX/XX/XXXX. 

15 U S.C. 1681 Section XXXX A. XXXX I have the right to privacy. 15 U S.C. 1681 Section XXXX A Section XXXX : States a consumer reporting agency can not furnish a account without my instructions. 15 U S.C. 1681c ( a ) ( XXXX ) 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 crime which antedate the report by more than XXXX years. 15 U S.C. 1681s -2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows or has responsible costs 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 2024-05-15 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: Aargon Agency, Inc.
State: NY

Complaint narrative:
The violation of the Fair Credit Reporting Act, 15 U.S.C. Code 1681, occurred when an item was erroneously placed on my credit report without my consent. This action constitutes identity theft, compounded by the fact that I was unaware of my twin 's use of my social security information at the hospital. Aargon Agency 's inclusion of this information on my credit report without my authorization further breaches my consumer rights, as it was done without any contractual agreement. Thus, these actions amount to identity theft and a violation of my consumer rights under the law.

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 2024-05-15 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: NC

Complaint narrative:
Account information is wrong/ Non-compliant. My next steps will be to pursue litigation

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 2024-05-15 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: CA

Complaint narrative:
So as of today XX/XX/2024 I received a letter from XXXX stating their findings is accurate and true! How can XXXX say that their information is accurate when in fact I submitted a report to the FTC stating fraud was committed in my name. They have no claim to these facts or proof that I signed for any open account with this company and if so XXXX needs to present this into evidence. This act was committed online obviously 15 USC 1681c-2 is specifically clear on what a consumer reporting agency must do regarding an alleged identity. 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( XXXX ) Information regarding inquiries ; Except as provided in section XXXX ( a ) ( XXXX ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Why do you keep furnishing information on my consumer that is part of an alleged identity identity theft. I have sent you all required documentation that is needed to satisfy the section. The law is very clear on what needs to be done. XXXX states under 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1681n - XXXX liability for willful noncompliance. I Demand an updated copy of my XXXX file reflecting these changes ( 15 USC 1681 c-1 2

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 2024-05-15 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: GA

Complaint narrative:
This account [ XXXX XXXX XXXX ] was charged off on the date : ( XX/XX/XXXX ) Ever since then the date of last activity has been improperly and inconsistently updated. On XXXX it shows last activity was ( XX/XX/XXXX ), On Equifax it shows that the last activity was ( XX/XX/XXXX ) & On XXXX it shows ( XX/XX/XXXX )! 

To my knowledge, the law says ALL credit reporting agencies must work together and be joined to report the same information accurately. This account isn't reporting the same across all so that must not be the case and this account needs to be removed immediately. 

According to 15 USC 1681b ( XXXX ) ( XXXX ) - Notification system by agencies that operate nationwide : Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( XXXX ) jointly with other such consumer reporting agencies. 

Due to the fact that things are being reported differently between Equifax, XXXX XXXX XXXX, it's clear that you all aren't in compliance with the law and my rights are being violated. A notification system is not being maintained and therefore this account is INACCURATE! No inaccuracies XXXX be reported. On several occasions, you failed to investigate this account properly and therefore I DEMAND YOU TO DELETE THIS ACCOUNT IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief