vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-16 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: NC

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. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: NC

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. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian issues are never ending. 
I believe I'm the victim of retaliatory actions from Experian. 

Please note : After I filed complaints against Experian, for the credit monitoring services charging my credit card and refusing to allow cancellation... I was completely locked out of my account for years! 

Now, my FICO is suspiciously lower than the other bureaus '! 

After many years of my entire Experian credit history not being available... 
Now I have an inaccurate and very low FICO score available.

Experian is reporting a FICO score of XXXX Whereas both XXXX and XXXX report a FICO of XXXX That's too huge of a difference. 

The credit history generating these very different scores are the same. Meaning all three bureaus are reporting the same credit history... But Experian is reporting a totally different and much lower FICO score for the exact same credit history.

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 2024-05-16 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:
Please remove these inquiries. I don't have any knowledge regarding this and the company did it without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: NY

Complaint narrative:
This company has showed up on my credit report has fraudulent That I dont recognize XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I recently received information from XXXX regarding a decrease in my credit score due to a 30 day late payment being reported from Ally Bank in XXXX. The collateral for this auto loan was a total loss reported in XXXX. Ally Bank was paid over {$30000.00} between the insurance claim and the gap insurance. I phoned Ally Bank today and was told that the late payment was accessed and reported to the credit bureaus in XXXX due to issues with the insurance checks - I was never made aware of any issues with these checks. By XXXX of XXXX, the insurance and the gap insurance payments were made to Ally leaving a {$1700.00} balance. When an attempt was made at the beginning of XXXX to pay the balance in full, their on line portal would not accept the payment - a phone call had to be made to pay the balance in full. Although the customer service agent did not want to accept the {$1700.00} payment because she wanted the payment made on line which we couldn't do she ended up taking the payment. After this payment was made, we received another notice of {$15.00} balance which was also paid. 

In closing, Ally Bank received $ XXXX between insurance and gap. Ally Bank applied these payments and the outstanding balance in XXXX was {$1700.00}. In XXXX Ally was called regarding payment arrangements for the outstanding {$1700.00}. Ally advised that they would accept a {$250.00} payment and then the remaining balance in XXXX. The {$250.00} was received by Ally in XXXX along with the final payment in XXXX. The account now has a {$0.00} balance. 

There was never an issue with the dates on the insurance checks which was the reason given to me today for the 30 day delinquency being reported. Ally agreed to accept a {$250.00} payment in XXXX and still reported a 30 day delinquency.

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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Can you update my address and name on my credit profile.

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 2024-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. By requesting " validation '' ; I am requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay XXXX XXXX XXXX XXXX XXXX collection agency in the state of Michigan does not have legal authority nor proper licensing. XXXXXXXX XXXX XXXX  does not possess a collection agency license in the state of Michigan. I am a Michigan resident in XXXX XXXXXXXX XXXX has been attempting to coerce me into believing that I owe them a debt. They have failed to show me any contact agreement in which I agreed to do business with this company. In an attempt to take advantage of me, the consumer, they have included the name associates to appear as if they lawyers or attorneys in which they are not. This company has been violating my consumer rights for years by furnishing this onto my consumer report. Without my consent I have never done business with or have I acknowledged this alleged debt. 
The account number is in question in relation to these alleged debts are Acct # [ XXXX ] {$430.00} At the refusing to validate the these alleged accounts this company is breaking the following laws 15 usc 1681b Identity theft 15 USC 1681n Willful Non Compliance 15 usc 1681e Not reporting accurate information 15 USC 1602G Because of these constant violations of the law and my consumer rights, I am legally and lawfully, refusing to pay this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: TX

Complaint narrative:
I received a letter stating this. 
We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request.

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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I have requested that my old phone number be removed from my personal statement/identity theft alert and credit report over a dozen times the past several years. Experian/Equifax/TransUnion have ignored this request over and over and over again. 
I DEMAND THAT XXXX XXXX TRANSUNION REMOVE THE PHONE NUMBER XXXX FROM MY CREDIT REPORT, INCLUDING MY PERSONAL STATEMENT AND IDENTITY THEFT ALERT. 
I DEMAND THAT XXXX XXXX TRANSUNION REPLACE THE NUMBER ABOVE WITH XXXX IMMEDIATELY FROM ALL PARTS OF MY CREDIT REPORT, INCLUDING PERSONAL STATEMENT AND IDENTITY THEFT ALERT.

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 2024-05-16 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: KS

Complaint narrative:
I have requested that my old phone number be removed from my personal statement/identity theft alert and credit report over a dozen times the past several years. ExperianXXXX have ignored this request over and over and over again. 
I DEMAND THAT EXPERIAN XXXX XXXX REMOVE THE PHONE NUMBER XXXX FROM MY CREDIT REPORT, INCLUDING MY PERSONAL STATEMENT AND IDENTITY THEFT ALERT. 
I DEMAND THAT EXPERIAN XXXX XXXX REPLACE THE NUMBER ABOVE WITH XXXX IMMEDIATELY FROM ALL PARTS OF MY CREDIT REPORT, INCLUDING PERSONAL STATEMENT AND IDENTITY THEFT ALERT.

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 2024-05-16 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: NJ

Complaint narrative:
According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. Also according to 15 USC 1681 s-2 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. This is violation after violation after vi
olation. This is causing me stress because I have no hope with this system

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 2024-05-16 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: NJ

Complaint narrative:
According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NEW YORK COMMUNITY BANCORP INC
State: TX

Complaint narrative:
On XX/XX/XXXX I submitted an application for Mortgage Payment Relief. I called the following week around XX/XX/XXXX to ask about the status of this application. I spoke with XXXX XXXX, a dedicated agent, who advised me that the application was received and that I would receive a letter outlining trial modification terms. I asked if I should proceed with the XXXX payment while waiting on this letter and he stated that no I shouldn't make a payment and instead I should wait for the final response outlining the modification. He stated that there would be no negative credit reporting or past-due payments. On XX/XX/XXXX I was notified that a late payment was reported on my credit report. I immediately made the payment. I submitted with XXXX a Credit Reporting Review Request to fix the erroneous credit reporting which was later denied. I was truly misled by XXXX regarding this entire process.

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 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: DISCOVER BANK
State: LA

Complaint narrative:
Primary credit card owner died XXXX. Discover sent a letter dated XXXX to the primary address stating we had 21 days to work with Discover before Discover sending the account to a collection agency for resolution. I called Discover on XXXX to find out the amount of the debt ( the final statement was still in the mail ) and make payment. Discover had already sent the account to the collection agency - sent for recovery before the 21 days expired. My name was also on the credit card account. I never used the card and forgot that my name was on it. I paid the debt with Deceased Case Management and fear that the delinquent debt will appear on my credit report and affect my credit score. No one at Discover could explain why the debt was sent for collection before expiration of the 21 days or why we did not have the opportunity to pay the debt after the last statement was delivered to the deceased address..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
Inaccurate Credit Reporting ( 15 USC 1681s2 ) I am writing this letter to inform you that SUN LOAN COMPANY XXXX XXXXXXXX is misreporting accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, they have a grave responsibility of maintaining the accuracy of that information. The following account SUN LOAN COMPANY # XXXX XXXX is reporting a balance of XXXX when it is my understanding an reason to believe that because this debt was charged off by XXXX XXXX that is was memorialized with a Form 1099C as proof or evidence thereof. And that this debt is cancelled and at least should not reflect the balance that is currently showing of XXXX on my consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/year> I purchased three Visa gift cards in the amount of {$100.00} each. Shortly after receiving her gift card, one of my recipients told me her card had no value. She gave me the card, I checked the transaction history online, and saw it had been used fraudulently, before I had even given her the card. 

I filed a dispute online, received email confirmation, received subsequent request for more information, and submitted that. All this communication is documented in the attached XXXX. 

After waiting more than 90 days to receive a replacement card, I began calling the XXXX number on the back of the card. Each time I reached a person they told me my case had been elevated to another department and that I would receive a follow up email message within 48 hours. I've had that same conversation four times in the last 30 days. I've never received an email as promised. I am still waiting for the replacement card. 

Separately, one of my other recipients also told me his card had no value. When I tried to submit a dispute for the fraudulent transaction on his card, I learned the window for submitting disputes had closed. This window of time is only two months, which is ridiculous in my opinion. So I am out that {$100.00} for sure.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc.
State: DC

Complaint narrative:
Southwest Recovery Services XXXX XXXX XXXX. # XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Date : XXXX Original Creditor : XXXX XXXX XXXX Balance Due : {$15000.00} Client # : XXXX XXXX XXXX XXXX - CREDIT REPORTED ACCOUNT Mon, XX/XX/year> at XXXX XXXX  Your account was submitted to our office on XXXX and we have made several attempts to contact you and it is still not resolved. Your account has been reported to the credit bureaus. We would like to make you a final offer to clear up this past due amount and update your credit report. You may be entitled to a reduction in the amount owe of {$15000.00}. Do not wait to contact our office to see if you qualify.

Use the link below to make payment or call us at ( XXXX ) XXXX. Go on line to view your account and make payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: LEXISNEXIS
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: IL

Complaint narrative:
Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation

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