vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-15 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: TN

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-03-15 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: TN

Complaint narrative:
I disputed my student loan with Experian. I stated that my loan was supposed to be discharged and completely removed from my credit report by XX/XX/24 by court order from the case XXXXXXXX XXXX XXXX. I included the letter stating that I was a XXXX XXXX XXXX of the case and that my loans would be : discharged, refunded, and completely removed from my credit by XX/XX/24. 
XXXX student loans still appear on my credit report with delinquent payments. They show a balance of {$31000.00}. They responded to my dispute saying that they had updated the information I requested, but nothing was changed. The balance still remains and the credit line and complete history still show in my report.

This has been hurting my ability to get a loan and a mortgage for over XXXX  years now. It was finally supposed to be removed by XX/XX/24 and it has not been. The Dept of Education and all XXXX credit bureaus are now in breach of that court order. I have submitted disputes directly with XXXX and XXXX but have not received responses yet. 
Experian did reply and said it was resolved but did not resolve it at all.

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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have never applied nor perform services or business with XXXX XXXX XXXXXXXX XXXX  yet there is an inquiry all three credit reports .I am asking for a signed copy of the application along with a copy of my drivers license and immediate removal of these inquiries dated XX/XX/2023

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 2024-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: VT

Complaint narrative:
XX/XX/2024 XXXX. I loaded the PayPal app onto my iphone. There were a series of questions that came up. SS #, Income, etc. Then I clicked submit, assuming that I was consenting to the PayPal account opening. Then I got a notification congratulating me for opening a PayPal Master card account. I WAS TRICKED INTO DOING THIS. No mention of the XXXX  card until my approval of a card I did not apply for. 

On XX/XX/XXXX, XXXX I called the XXXX card company to find out why I was tricked into opening this card. I closed it immediately. My credit report suddenly took a dive of XXXX points, as there was a new inquiry. An inquiry that I did not authorize. I was told that it would take 60 days to resolve this. 
This is unfair to consumers who have no intent to open a credit card, and it is done with misrepresentation. It's a fraudulent way for the company to gain new credit card customers.

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 2024-03-15 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:
I received a copy of my most recent credit report and there are inquiry from XXXX XXXX XXXX dated XX/XX/2023. I did not initiate, request and/or conduct any business

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I received a copy of my most recent credit report and there are inquiry from XXXX XXXX XXXX dated XX/XX/2023. I did not initiate, request and/or conduct any business

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 2024-03-15 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: GA

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. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$2800.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$2100.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$410.00}. 
XXXX  XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX  XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$2500.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$5900.00}. 
XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there

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 2024-03-15 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: EQUIFAX, INC.
State: TN

Complaint narrative:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: MI

Complaint narrative:
Email : XXXX XX/XX/2023 Americollect Subject : Request for More Information and Removal of Debt Information Dear Sir/Madam, I am writing to address the matter of a debt that has been attributed to my name and request further information regarding its origin and validity. Additionally, I kindly request the removal of this debt from my records if it is found to be inaccurate or unsubstantiated. 

To provide you with context, I recently viewed my report, and saw your agency regarding a debt allegedly owed by me on XXXX XXXX for {$600.00} However, I have no recollection or knowledge of any outstanding debt with the account mentioned. Therefore, I am requesting detailed information related to this debt, including the original creditor 's name, the date of the debt, and any supporting documentation available. 

I am exercising my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ) to obtain accurate and specific information regarding the alleged debt. It is crucial for me to fully understand the nature and legitimacy of the debt to ensure that I can take appropriate action if necessary. 

Furthermore, I would like to emphasize that if, upon reviewing the provided information, it is found that the debt is inaccurate or lacks sufficient evidence, I request that you remove this debt from my records and cease any collection activities associated with it. Please note that the FDCPA obligates debt collectors to ensure the accuracy of the information they report and to provide verification upon request. 

I kindly ask you to provide me with the requested information within 30 days of receiving this letter. Additionally, I request that all collection activities regarding the mentioned debt, including phone calls, letters, or any other form of communication, are put on hold until I have received and reviewed the necessary documentation. 

Please provide all correspondence in writing to the email at XXXX. I appreciate your prompt attention to this matter and expect your cooperation in resolving this issue promptly. 

Thank you for your understanding and cooperation. I look forward to receiving the requested information and an update on the status of this debt. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: MN

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
In Accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for and purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
You are reporting inaccurate accounts on my credit report. I'm so stressed and very disappointed due to this events that harmed my mental health, emotional health and even put my family in distress! Start the investigation on these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: EQUIFAX, INC.
State: FL

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 non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Timely payments have always been a priority for me on this account, ensuring they are never overdue. I'm unclear why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be implemented.

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 2024-03-15 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: CA

Complaint narrative:
I am requesting the removal of XXXX inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These XXXX  inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these XXXX inquiries to restore the accuracy and reliability of 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 explanation
Consumer complaint received 2024-03-15 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: TN

Complaint narrative:
Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.

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 2024-03-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Block, Inc.
State: TN

Complaint narrative:
On XX/XX/2024 borrowed {$150.00}. Terms and agreement calls for a lump sum repayment of {$150.00} on XX/XX/2024. Have entered into this type of arrangment before so this is nothing new. 

On XX/XX/2024 @ XXXX XXXX, without prior notification or authorization CashApp debited my account balance by {$55.00}. 

Attempted to work through CashApp customer service to resolve matter. Representative informed me that issue to be forewarded to an exclusive in house team for resolution. Only communicates one-way via email. 

In essence CashApp breached the loan agreement by seizing money from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: IL

Complaint narrative:
According to FCRA 605B, it's necessary for us to eliminate any erroneous accounts from my credit report. Would you mind reviewing the documents? Several of the listed accounts contain inaccuracies in their reporting.

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 2024-03-15 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:
There are some errors I noticed on my credit report. I was never late on these accounts. All payments were made on time.

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 2024-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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: TN

Complaint narrative:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.

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 2024-03-15 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: CA

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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:
As per XXXX a dept of education servicer the XXXX loan was forgiven on XX/XX/XXXX. But did not get reported to the credit bureaus until XX/XX/XXXX. Someone needs to pay me {$1000.00} per month from each credit bureaus. Not reporting on time correct information. This has caused emotional stress and embarrassment. Per the United States code 15 USC 1681.

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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

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 2024-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.

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