vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-11 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: OH

Complaint narrative:
Recently reviewed my credit report and noticed I had fraudulent accounts on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 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: CA

Complaint narrative:
This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove information 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 few Personal credit card accounts. 
ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER:XXXX DATE OPENED : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX XXXX  ACCOUNT NUMBER : XXXX DATE OPENED : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX XXXX OPENED : XXXX These accounts have led to multiple fraudulent hard inquiries and collections appearing on my FICO credit report, causing me significant stress. I request that the fraudulent items previously mentioned be removed from all of my credit reports and that any collection activity related to these items be halted, in accordance with my rights under the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXXfrom the US Federal Trade Commission, which confirms that all the credit accounts, collections, and hard inquiries in question are the result of identity theft and fraud.

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 2024-08-11 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: GA

Complaint narrative:
15 U.S. Code 1681, also known as the Fair Credit Reporting Act ( FCRA ), governs the access to consumer credit report records and how Credit Reporting Agencies ( CRAs ) collect and sell personal information. The FCRA 's purpose is to ensure that CRAs collect and use information in a fair and equitable way that protects consumers ' privacy and promotes accuracy. The FCRA includes several findings and requirements, including : Congressional findings The FCRA states that the banking system relies on accurate and fair credit reporting, and that inaccurate or unfair reporting can harm the banking system and public confidence.

Subchapter requirements The FCRA requires CRAs to use information properly and ensure it's relevant. It also includes compliance procedures, such as requiring CRAs to follow reasonable procedures to ensure the accuracy of their reports, and to allow users of consumer reports to disclose the report 's contents to the consumer. 
I dispute and want this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: GA

Complaint narrative:
15 U.S. Code 1681, also known as the Fair Credit Reporting Act ( FCRA ), governs the access to consumer credit report records and how Credit Reporting Agencies ( CRAs ) collect and sell personal information. The FCRA 's purpose is to ensure that CRAs collect and use information in a fair and equitable way that protects consumers ' privacy and promotes accuracy. The FCRA includes several findings and requirements, including : Congressional findings The FCRA states that the banking system relies on accurate and fair credit reporting, and that inaccurate or unfair reporting can harm the banking system and public confidence. 
Subchapter requirements The FCRA requires CRAs to use information properly and ensure it's relevant. It also includes compliance procedures, such as requiring CRAs to follow reasonable procedures to ensure the accuracy of their reports, and to allow users of consumer reports to disclose the report 's contents to the consumer. 
I dispute and want this off 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 2024-08-11 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: CA

Complaint narrative:
XXXX XXXX  inquiry XX/XX/2024 I am reporting a fraudulent inquiry fond in my Trans Union credit repoet...

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 2024-08-11 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, TransUnion credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists " XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  account # XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

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 XXXX XXXX XXXXXXXX XXXX XXXX  has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 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 2024-08-12 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a auto loan, opened at XXXX XXXX on XX/XX/XXXX under the account no. XXXX, an account no. XXXX opened at XXXX, XXXX on XX/XX/XXXX, account no. XXXX opened at XXXX XXXX on XX/XX/XXXX, and another auto loan account no. XXXX opened at XXXX XXXX XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. These are the extra inquiries Not recognized, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # 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 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 2024-08-11 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:
I am filing this complaint to formally request your assistance in correcting incomplete and inaccurate information on my consumer report, which violates my federal consumer rights to privacy and confidentiality under the Fair Credit Reporting Act ( FCRA ). 
I have requested the following information from the compaines that says they own the debts and they haven't provide the following information to me yet. 
Provide breakdown of fees including how you calculated what you claim I owe. 
Then provide a copy of my signature on the contract or document that holds me responsible for this alleged debt.

Verification of the debt amount and its origin.

Documentation proving that I am legally obligated to pay this debt.

Verification of your authority to collect this debt. 
Proof of the validity of the debt, including any contracts or agreements. 

Account Name : XXXX XXXX XXXX Account # : XXXX Relevant Statutes : 15 USC 1681 ( Fair Credit Reporting Act ) : Ensures accuracy and privacy of information in consumer reports.

15 USC 1681 Section 602 ( a ) : States that consumers have the right to privacy and that their consumer reports should be maintained with the utmost confidentiality.

15 USC 1681b : Limits the purposes for which a consumer report may be furnished, ensuring that reports are accessed only for permissible purposes.

15 USC 1681c ( a ) ( 5 ) : Specifies the time limits for the inclusion of certain adverse information in consumer reports, ensuring outdated information is not reported. 
Given these violations, I request the CFPB to : Investigate the handling and reporting of the accounts in question. 
Thank you for your prompt attention to this matter. I trust that the CFPB will take the necessary steps to resolve this issue and uphold my rights as a consumer.

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 2024-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: CA

Complaint narrative:
I use " Square '' credit card " XXXX  '' or XXXX  for receiving payment from customers. 

XXXX  In case a customer payment dispute *Square* does not allow me ( XXXX user with XXXX  phone ) any defense about any disputed payment. They unilaterally make decision about disputed payment without giving me any opportunity to defend my argument or point of disputations. 

XXXX I do deserve a defense that " Why the disputed payment is a valid credit card charge ''? Forceful decision based on technicality is a malpractice whoever does it! 

XXXX My argument is XXXXSquare* should provide adequate opportunity to their *XXXX  or any other payment device '' user to defend or prove *Why the payment was a valid charge? * Here is the charge by me using my *Square XXXX* : TOTAL DISPUTES {$84.00} TOTAL DISPUTED FUNDS Dispute History Date Disputed Date of Payment Location Resolution Disputed Amount XX/XX/2024 XX/XX/20XXXX XXXX Resolved in customers favor {$67.00} XX/XX/2024 XX/XX/2XXXX XXXX Resolved in customers favor {$17.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-12 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 sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX reference 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 2024-08-11 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, TransUnion credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists " XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

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 XXXX XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2024-08-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
On XXXX, XX/XX/year> XXXX charged me a {$30.00} late fee. Per the CFPB late fees are not to be charged if the due date falls in a XXXX XXXX, or a holiday. And as long as the payment is received the next business day by XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
After noticing multiple late payments reporting to my consumer report I notified the credit reporting agencies and asked them to investigate this account. I understand that in order for any account to be reported as late, the consumer in which I should receive a statement document every month no later than 21 days before my bill due date pursuant 15 U.S. Code 1666b - Timing of payments. Since I've opened this account I have yet to receive that document but every month they continued to report it late without following the proper procedures in which that is a violation. At some point with XXXX affecting everything I came across hard times and fell behind on bills. This account that's reporting unauthorized late payments without following the proper procedures is negatively impacting my credit score limiting my ability to obtain necessities in life. I am not disputing this account in the fact that this debt isn't mine but in the fact they they failed to properly send me the statement documents from every month that this account was open but yet still proceeded to report this account as late. I am asking that they remove or stop reporting this account from reporting to my consumer report in which that failed to follow the proper procedures pursuant 15 US CODE 1666b - Timing of payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I made two purchases under two separate account with Affirm. They were the interest free lender for the purchases. I provided them my business checking account number and routing number to set up auto pay multiple times. The autopayments continued to fail and they claimed my account was closed which was not accurate. I did everything they asked me to do. Delete info online and resubmit. Make payments over the phone. Send them account statements to prove that my account was not closed. They still failed to process payment and both of my accounts were past due and reported delinquent to the credit bureau. I disputed and they said my accounts were closed which was not correct. My account has been open for years and has never been closed. Daily transactions on my statements attached prove that. I later was told to use a debit card which I did tied to the same account which worked but it was after my accounts were past due and reported late and delinquent to the credit bureau. I am not current thanks to the debit card processing but the late payments were not eliminated. My credit score has suffered.

Company response to consumer: Closed with explanation