vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-10 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:
Complaint Against Equifax for Failure to Respond to Dispute Letters. 

Dear Sir/Madam, I am writing to file a formal complaint against Equifax Information Services , LLC for their failure to respond to multiple dispute letters regarding inaccuracies in my credit report. Despite my extensive efforts to address these discrepancies, Equifax has neglected to take appropriate action to rectify the errors within the legally mandated timeframe. 

On XX/XX/2024, I submitted detailed dispute letters outlining numerous inaccuracies found within my credit report. These errors encompass various aspects, including personal information and account details. Despite providing clear documentation and explanations for each discrepancy, Equifax has failed to investigate and correct the inaccuracies as required by law. 

The discrepancies outlined in my dispute letters include but are not limited to : - Inaccurate reporting of personal information, including date of birth and current address. 
- Errors in reporting account details for various creditors, such as XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- Failure to update or correct erroneous fields related to high balances, dates of last activity, dates reported, creditor types, comments, dates of last payment, credit limits, payment histories, dispute statuses, account statuses, and account types. 

These inaccuracies have significant implications for my financial well-being, potentially affecting my ability to obtain new credit, secure employment opportunities, and access appropriate insurance rates. Despite my diligent efforts to address these issues with Equifax, the company 's failure to respond and rectify the errors has exacerbated the situation and caused unnecessary stress and frustration. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure that Equifax fulfills its obligations under the law. Additionally, I request that the Bureau notify me of any updates or resolutions regarding this complaint.

The credit bureau is in violation of the following laws : 15 U.S. Code 1681e - Compliance procedures, 15 U.S. Code 1681i - Procedure in case of disputed accuracy, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1692b.

Furnishing certain deceptive formsand shall be held liable under penalties of the state pursuant to 15 USC 1692k 813. Civil liability, 15 U.S. Code 1681n - Civil liability for willful noncompliance, 15 U.S. Code 1681o - Civil liability for negligent noncompliance. 

Please find enclosed copies of my dispute letters sent to Equifax for your reference. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 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: VA

Complaint narrative:
I recently reviewed my credit report and I noticed Fraudulent accounts on my credit report. Please remove these accounts from my credit report they are hurting my ability to obtain credit.

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 2024-03-10 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: MI

Complaint narrative:
I am deeply concerned about the presence of this late payment on my account, especially considering my consistent track record of making timely payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 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:
Late payments are showing on my consumer 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 non-monetary relief
Consumer complaint received 2024-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On XXXX XX/XX/24 I attempted to use my credit card to make a purchase at XXXX XXXX XXXX. The card was declined at the register. I did not receive a text message or any communication from the bank to verify that the charge was me, the card was just turned off. At that time, I called Customer Service to request the hold be lifted. I waited on hold at the register for over 20 minutes with no support. I had to leave the store as I could not wait any longer. No one from the bank contacted me and the card remained unusable. On XXXX  XX/XX/24 I called Customer Care again. I was placed on hold for over 45 minutes with no assistance. I called back and asked that someone please call me when they were available, as I could not hold any longer. I was told that they could not do that. They suggested that I may need to go into a physical bank location to have the hold lifted off my card. They told me this at XXXX. The closest branch to my home is XXXX minutes away and closes at XXXX. This means that I still am unable to use my credit card at all today, day three. Since I have to work full-time all week, I will not be able to make it to a physical branch until at the earliest next XXXX. The bank refuses to offer me any support to get my card restored. I asked if I could please close my credit card account as its unusable and the level of customer service is frankly unacceptable, and I was told they could not close the card until I went to a physical branch. This means I know do not have a usable credit card, nor am I able to close this card. These procedures are not in place to protect the consumer. These are clearly methods to protect the bank alone. I believe this behavior should be illegal for banks. They either need to contact the account holder to resolve the issue, or they need to provide a reasonable level of service for the consumer to resolve the issue within the same business day. I am now left without a usable credit card, which puts me at risk, despite the fact that I have a credit score over XXXX, pay my bill on time, have plenty of available credit and was using my own card for a valid purchase. This is not consumer protection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 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: NV

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of 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 2024-03-10 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 of 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 2024-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am deeply concerned about the presence of this late payment on my account, especially considering my consistent track record of making timely payments.

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 2024-03-10 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: DISCOVER BANK
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, these creditors has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a XXXXXXXX  card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, the amount of {$920.00} has been reporting as **charged off I never received a 1099c form from this creditor The company is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: Alorica Inc.
State: TX

Complaint narrative:
On XXXX XXXX XXXXXX/XX/year>, the amount of {$920.00} has been reporting as **charged off I never received a 1099c form from this creditor The company is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: MI

Complaint narrative:
Over checking credit to be approved for loan for pasional use

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 2024-03-10 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Over checking credit to be approved for loan for pasional use

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Over checking credit to be approved for loan for pasional use

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 2024-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
I'm just trying to get my XXXX  card activated. Following the steps provided in-app triggered the Fraud alerts and has caused me an additional week delay, at a minimum, with no explanation. 
The only way I could have resolved it would have been to use a *different* phone number to verify it's me, which makes no sense. Citi has been having issues with their fraud alert systems for years, has claimed they will change it, and yet the problem remains. 

Dozens of examples of this issue can be found at the following links : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Please note many of the examples are in the comments on the XXXX threads, not always just the main post. 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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax violated my rights under U.S.C. 1681 ( A ) 4 with inaccurate payment history that is really hurting my chance to obtain credit when I have told them multiple times something was not right on my credit profile their automated last response stated everything was complete and accurate can you please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
this account was charge off in XX/XX/, since then the account has been updated as a charge off every month. this is an update in the payment history. a charge off account should NOT include an active payment history. this inaccurate information Falsely manipulates the statute of limitations. failed investigation to this account properly and neglect has violated my rights. i am demanding a deletion of this account. 


XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-03-10 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: MI

Complaint narrative:
I am writing in response to a recent notice I received regarding a collection account associated with my name. Upon reviewing the information provided, I have reason to believe that there has been an error in the reporting of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
Complaints : Incomm has failed to properly process my unauthorized transaction dispute request when first reported.Incomm has failed to request appropriate documents from me, considering that the order was placed through them, and they should be aware that their system does not provide a receipt Incomm has failed to provide me with a temporary credit within XXXX business while the case is being investigated, and has frozen my remaining funds. 
Background : On XX/XX/XXXX, an order was placed for a virtual Vanilla Gift card through yourgiftcardchoice.com, a website operated by Incomm Incentives. I received an email from XXXXXXXXXXXX  with a confirmation of the gift card order. 
On XX/XX/XXXX, I received an email from the same address with a link to retrieve the virtual gift card details. I was able to retrieve the card details. No one else had access to these details or this email. 
On XX/XX/XXXX, the card was used at a merchant by an unauthorized third party. 
On XX/XX/XXXX I realized that the card had been used by an unauthorized third party. I contacted Income to report unauthorized usage of card. The card was XXXX and the remaining funds were frozen. XXXX business day resolution given On XX/XX/XXXX called to check status of resolution. Representative informed me that the case was incorrectly filed and a dispute had not been processed, and started the dispute process, and provided a resolution timeframe of XXXX business days. They instructed me to send front and back of my ID, and a copy of the receipt to XXXXXXXXXXXX I explained to the representative that I had an order confirmation email but not a receipt, and the representative stated to send that in in lieu of the receipt. 
On XX/XX/XXXX, sent requested documents to XXXXXXXXXXXX  via email, and received a confirmation that the documents were received.On XX/XX/XXXX, Incomm Fraud Department contacted me via email to request additional documents : the front of the gift card and a copy of the receipt. I called Incomm and explained to the representative that I did not have a receipt because none was sent by Incomms XXXX website, and that I did not have the front of the gift card because it was a virtual gift card. The representative explained that the order confirmation document I had sent was not sufficient, and the case was being escalated for not having a receipt available, and the resolution timeframe was XXXX business days.On XX/XX/XXXX - No contact from Incomm had been received since previous date. I called Incomm phone customer support and they informed me the case would take additional time to process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: TX

Complaint narrative:
XXXX XXXX XXXX has a collection on my report that the original creditors seems to be XXXX XXXX XXXX. This account I believe was recently deleted from my credit file and XXXX have been sold to XXXXXXXX XXXX XXXXXXXX. Anyhow Ive never had a XXXX card with XXXX XXXX XXXX  or XXXX XXXX XXXXXXXX. For Ive been a victim of identity theft.

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 2024-03-10 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: TX

Complaint narrative:
XXXX XXXX XXXX has a collection on my report that the original creditors seems to be XXXX XXXXXXXX XXXX. This account I believe was recently deleted from my credit file and may have been sold to XXXX XXXX XXXXXXXX. Anyhow Ive never had a credit card with XXXX XXXX XXXX or XXXX XXXX XXXX. For Ive been a victim of identity theft.

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 2024-03-10 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: Global Lending Services LLC
State: GA

Complaint narrative:
Late payments are showing on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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:
Late payments are showing on my consumer 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 2024-03-10 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: MI

Complaint narrative:
I am writing in response to a recent notice I received regarding a collection account associated with my name. Upon reviewing the information provided, I have reason to believe that there has been an error in the reporting of this account.

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