vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-06 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:
Upon review of my reports, i have noticed some late payments on an account that i was not late for. The consumer reporting agencies have a vital role and have responsibility to report consumer maximum accuracy to the best of their ability. I have never been late on the accounts that i included in screenshots inside this complaint on the dates of XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XX/XX/year> XX/XX/year>. 
Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided, I demand these payments be updated to PAID as agreed on time as they should be, do to never being late! Thank you please see screenshots attached!

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 2024-11-06 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: NJ

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

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 2024-11-06 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: NV

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 non-monetary relief
Consumer complaint received 2024-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Berlin-Wheeler, Inc. (Kansas)
State: KS

Complaint narrative:
Called XX/XX/XXXX at XXXX on my work phone. I told them to not contact me anymore at work. The representative said that she would mark that. 

I received another call XX/XX/XXXX at XXXX and answered it saying I had let them know to no longer contact me at work. They said they would mark that and hung up. 

I received another call XX/XX/XXXX at XXXX and I ignored it as I have told them repeatedly now to stop calling me at work.

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 2024-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant XXXX and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-11-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I have had my identity taken and have been fraud with XXXX. XXXX XX/XX/year> Incident Description Serval I phones and Serval I watches purchases under my name and account. Deposit were made in cash and debit card that was not in my name. I only have one phone XXXX and it's only myself and was not aware of purchases till unable to sign in to XXXX account and account was moved to XXXX account and person made own account under me. Also when my phone got turned off because it was under different XXXX account. I'm not in that area and never purchase store and actually was in XXXX at XXXX XXXX seeing a doctor. I thought that XXXX cleared this as I reported and showed proof and over a year now they put {$5500.00} XXXX on all my credit reports with a Collection company and they want me to pay for something I have never purchase or own don't even know by people that I would get iPhones for don't even know how to use iPhone I am one person I can't afford that much in phones I have XXXX XXXX that's XXXX XXXX XXXX and I don't understand why I have to pay for something that's not even mine and they basically took over my account and turned into XXXX without my permission and took my phone number and everything and now it's on my credit and hurting me. This account is under XXXX XXXX The collection company is XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account number # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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: NY

Complaint narrative:
I am writing to request the immediate blocking and deletion of several fraudulent accounts and inquiries from my credit report. As a recent victim of a data breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these fraudulent items removed. 
The following accounts were fraudulently opened and should be removed : XXXX. XXXX XXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$28000.00} XXXX. XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX  Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$480.00} XXXX XXXX XXXX XXXX  Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$1500.00} XXXX. XXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$1000.00} XXXX. XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$1000.00} Additionally, I request the deletion of the following unauthorized inquiries : XXXX XXXX XXXX Dated : XX/XX/XXXX XXXX Dated : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not authorize these fraudulent inquires XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Neither did I consent to them

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 2024-11-06 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:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 2024-11-06 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: TX

Complaint narrative:
XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion. These late payments are erroneous and do not accurately reflect my payment history for XXXX XXXX Account # XXXX. ** Complaint Details Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. This account was refinanced and should reflect a history of timely payments. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of this late payment violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness. 
Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of an incorrect late payment may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that these reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports to ensure maximum accuracy. Under articles 616 and 617 of the FCRA ( 15 U.S.C. 1681n and 1681o ), willful and negligent noncompliance could result in civil liability, including actual damages, attorneys fees, and potential punitive damages. 
Discrepancies in Payment History TransUnion : Shows incorrect XXXX late payment statuses in XXXX and XX/XX/year>. My records indicate that payments were made on time. 
XXXX and XXXX : No late payments reported ; however, the errors in TransUnions reporting affect my creditworthiness across all bureaus. 
Requested Resolution I request that TransUnion conduct a thorough investigation into this matter and remove any inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Attachments Identification ( ID ) Social Security Number Relevant Documentation Related to the Account Thank you for your immediate attention to this matter. 
Sincerely, 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 2024-11-06 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: TX

Complaint narrative:
XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion. These late payments are erroneous and do not accurately reflect my payment history for XXXX XXXX Account # XXXX. ** Complaint Details Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. This account was refinanced and should reflect a history of timely payments. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of this late payment violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness. 
Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of an incorrect late payment may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that these reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports to ensure maximum accuracy. Under articles 616 and 617 of the FCRA ( 15 U.S.C. 1681n and 1681o ), willful and negligent noncompliance could result in civil liability, including actual damages, attorneys fees, and potential punitive damages. 
Discrepancies in Payment History TransUnion : Shows incorrect XXXX late payment statuses in XXXX and XX/XX/year>. My records indicate that payments were made on time. 
XXXX and XXXX : No late payments reported ; however, the errors in XXXX reporting affect my creditworthiness across all bureaus. 
Requested Resolution I request that TransUnion conduct a thorough investigation into this matter and remove any inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Attachments Identification ( ID ) Social Security Number Relevant Documentation Related to the Account Thank you for your immediate attention to this matter. 
Sincerely, 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 2024-11-06 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: LA

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-06 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: LA

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-06 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: CA

Complaint narrative:
XXXX, a XXXX XXXX platform has hundreds of consumer complaints and negative reviews. they have been allowed to operate with no oversight. My personal information has been used without my permission in XX/XX/XXXX. Multiple written online complaints have already been filed with the CFPB and the FTC. The responses I received from them and the Credit Reporting Agencies ( CRAs ) were unacceptable. The CRAs have claimed that they, " completed its investigation, including contacting the furnisher of the information, where applicable. ". That very well may be the case, however, I demanded that they provide me with the 'Method of Verification ' and verification of whom they contacted, evidence of the investigation under the Fair Credit Reporting Act ( FCRA ). I will continue to file DFPI, CFPB, and FTC complaints, with the intention that the State Attorney General 's Office in their state be also contacted for enforcement. It should be noted that this particular investigation started on XX/XX/XXXX, and is evident that the CRAs have no sense of urgency with the repetitive and unnecessary delays in correcting inaccuracies in consumers ' credit files. CFPB is equally pathetic and serves no purpose to the consumer except to help massage the creditors and furnishers giving them more than sufficient time to complete a " thorough investigation '' The accounts below are being reported fraudulently by XXXX and DO NOT belong to me : XXXX XXXX XXXX XXXX ( CLOSED ) date Opened XX/XX/XXXX, Charge off for {$120.00}. The accounts numbers are : XXXX / XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-06 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:
XXXX, a XXXX XXXX platform has hundreds of consumer complaints and negative reviews. they have been allowed to operate with no oversight. My personal information has been used without my permission in XX/XX/XXXX. Multiple written online complaints have already been filed with the CFPB and the FTC. The responses I received from them and the Credit Reporting Agencies ( CRAs ) were unacceptable. The CRAs have claimed that they, " completed its investigation, including contacting the furnisher of the information, where applicable. ". That very well may be the case, however, I demanded that they provide me with the 'Method of Verification ' and verification of whom they contacted, evidence of the investigation under the Fair Credit Reporting Act ( FCRA ). I will continue to file DFPI, CFPB, and FTC complaints, with the intention that the State Attorney General 's Office in their state be also contacted for enforcement. It should be noted that this particular investigation started on XX/XX/XXXX, and is evident that the CRAs have no sense of urgency with the repetitive and unnecessary delays in correcting inaccuracies in consumers ' credit files. CFPB is equally pathetic and serves no purpose to the consumer except to help massage the creditors and furnishers giving them more than sufficient time to complete a " thorough investigation '' The accounts below are being reported fraudulently by XXXX and DO NOT belong to me : XXXX XXXX XXXX XXXX ( CLOSED ) date Opened XX/XX/XXXX, Charge off for {$120.00}. The accounts numbers are : XXXX / XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation