vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-22 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: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I have never missed a payment with this company and every time I pay down my limit they decrease my limit even with a good credit score. I have locked my Credit so they will not be able to pull my score anymore and they are constantly pulling right credit score which drives it down lower and then they keep decreasing limits when Im paying on time and they are not keeping up with the agreement that they have said forward with me. This bank Is fraud on the American people this is a monopoly and they need to be shut down or looked in and investigated into. So Every time you raise your score, theyre there to decrease your score so this is a bank that is not helping the people, but rather destroy the economy itself.

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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not recognize the amount to Equifax show on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: OH

Complaint narrative:
Reporting incorrect information on my credit report 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 XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: NY

Complaint narrative:
I've repeatedly tried to resolve the issue of false, inaccurate, and misleading information on my consumer report, but the problem persists. These erroneous entries have severely affected my life, causing considerable distress. I want to emphasize that I never authorized this information to be associated with my name, as I've been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: CA

Complaint narrative:
I had XXXX transactions made on Cash App that were not made by me. I disputed the transactions on XX/XX/XXXX and XX/XX/XXXX. I disputed all XXXX of them. They refunded me for only XXXX transactions on XX/XX/XXXX. Then, after continuously asking for XXXX days why I only received XXXX disputed transactions and not all XXXX, they finally told me today, XX/XX/XXXX, that they investigated and closed the disputes and will not be giving me a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: NY

Complaint narrative:
XXXX XXXX reported inaccurate, negative information on my credit report to the big XXXX consumer reporting agencies ( XXXX, XXXX, and TransUnion ) for a debt that does not belong to me. The collection ( opened on XX/XX/year> for {$XXXX} ) purportedly involves a XXXX XXXX account. 

I called XXXX XXXX years ago when it first attempted to collect this debt. XXXX confirmed the account neither belonged to me nor did it have any record of an outstanding balance associated with my name. At the time, XXXX 's collector discontinued collection efforts and returned the account to XXXX. Additionally, XXXX confirmed that the account in question belongs to a consumer who has a Maryland address. I've never lived in Maryland. 

Please discontinue this collection attempt and remove the negative information to the the big XXXX consumer reporting agencies. 

For policymakers : Consumer reporting agencies have created a system that facilitates collectors ' Illegally parking of inaccurate information on consumers ' reports. It is, therefore, little wonder why the big three consumer reporting agencies have earned the reputation of being a " cartel '' and a " tool of coercion '' for companies ' illegal collection activity. Policymakers should treat consumer reporting agencies as utilities.

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 2024-08-22 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:
XXXX XXXX reported inaccurate, negative information on my credit report to the big XXXX consumer reporting agencies ( XXXX, Experian, and XXXX ) for a debt that does not belong to me. The collection ( opened on XX/XX/year> for {$XXXX} ) purportedly involves a XXXX XXXX account. 

I called XXXX XXXX years ago when it first attempted to collect this debt. XXXX confirmed the account neither belonged to me nor did it have any record of an outstanding balance associated with my name. At the time, XXXX 's collector discontinued collection efforts and returned the account to XXXX. Additionally, XXXX confirmed that the account in question belongs to a consumer who has a Maryland address. I've never lived in Maryland. 

Please discontinue this collection attempt and remove the negative information to the the big XXXX consumer reporting agencies. 

For policymakers : Consumer reporting agencies have created a system that facilitates XXXX ' Illegally parking of inaccurate information on consumers ' reports. It is, therefore, little wonder why the big XXXX consumer reporting agencies have earned the reputation of being a " cartel '' and a " tool of coercion '' for companies ' illegal collection activity. Policymakers should treat consumer reporting agencies as utilities.

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 2024-08-22 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: MN

Complaint narrative:
I am filing a complaint against Equifax, XXXX, and XXXX for violating my rights under the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). Despite FERPAs protections under 20 USC 1232g ( b ), my student loans have been included in my credit report without my consent. Additionally, all charged-off accounts should be marked as " paid as agreed, '' as a charge-off is considered a certificate of indebtedness and should not be reported as an owed debt. The agencies have failed to comply with 15 USC 1681e, which mandates the maintenance of reasonable procedures for accuracy and privacy, as well as 15 USC 1681 section 602 ( a ), which emphasizes fairness, impartiality, and respect for consumer privacy. Furthermore, 15 USC 6801 reinforces this right by mandating that financial institutions respect the privacy of their customers. My XXXX XXXX bankruptcy was reported without my authorization, in violation of 15 USC 1681 section 604 ( a ) ( 2 ) and 15 USC 6802 ( b ) ( c ), which require consumer consent and proper notification of nondisclosure options. I did not grant consent to any reporting by these agencies or the creditors mentioned, and I was not informed of my right to opt-out. I am formally opting out of all reporting services that disclose information to nonaffiliated third parties without my consent. Moving forward, I expect a privacy notice before any additional information is furnished on my consumer report. Immediate action is required : ( 1 ) cease and desist from reporting any information regarding my student loans or bankruptcy to any credit reporting agency, ( 2 ) correct all inaccuracies in my credit report and ensure that all charged-off accounts are marked as " paid as agreed, '' and ( 3 ) provide written confirmation of compliance with these demands within 15 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: AZ

Complaint narrative:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 
5. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7.15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: AL

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries that have appeared on my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b, I am entitled to dispute any information on my credit report that is inaccurate or unauthorized. 
Upon reviewing my recent credit report, I identified the following inquiries that I did not authorize : XXXXXXXX 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 These inquiries were made without my consent, and as such, they are in violation of the FCRA. Per 15 U.S.C. 1681n, I am requesting the removal of these unauthorized inquiries from my credit report and compensation for the inconvenience and potential damage to my creditworthiness. 
In addition to removing these unauthorized inquiries, I am requesting {$XXXX} for each inquiry as stipulated under 15 U.S.C. 1681o, which provides for damages in cases where the FCRA has been violated.

Please investigate this matter promptly and provide me with a written response detailing the actions you will take to rectify these issues. I request that you complete this investigation and remove the unauthorized inquiries from my credit report within 30 days from the date of this letter, as required by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I just recently looked at my credit report. I recently reviewed a copy of my consumer report and noticed I had fraudulent accounts. Please remove these, they are hurting my ability to obtain credit. 

Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ). 

Account XXXX : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: OR

Complaint narrative:
On XX/XX/XXXX I received a letter from a company called credit control LLC stating they are collecting a debt in behalf of XXXX XXXX XXXX. This debt was already disputed with XXXX  on XX/XX/XXXX through CFPB and no validation of debt was given at that time. 

From XXXX to XXXX There was no correspondence from XXXX. 

I have already disputed this unknown debt through their first attempt with a company name Resurgent on XX/XX/XXXX with no response I have already disputed this unknown debt through their official company XXXX on XXXX. XXXX through CFPB with no response of my request. 
On XXXX I went onto the XXXX credit reporting sites, and disputed my debt with XXXX  with XXXX  not responding to my request of validation. 

as of XX/XX/XXXX XXXX is starting to harass me now through a new company called credit Control LLC. I am disputing this debt again through CFPB and will file the complaint against XXXX, and Credit control LLC. 

This is NOT my debt. 
I do not have any accounts, or agreement with LVN, or credit control LLC or resurgent. All these parties are unknown to me.

I dispute this letter and request the following 1. all account statements 2. any and all credit card agreements 3. any sales agreement between XXXX group and XXXX 4. XXXX groups original credit card agreement XXXX. Any terms of XXXX, or jams, or how to handle dispute of credit card Please provide me with this information 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 2024-08-22 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: TX

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumers 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights .

15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it 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 items 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 2024-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Transworld Systems reported inaccurate, negative information on my credit report to the big XXXX consumer reporting agencies ( XXXX, XXXX, and XXXX ) for a debt that does not belong to me. The collection ( opened on XX/XX/year> for {$490.00} ) purportedly involves a XXXX XXXX account. 

I called XXXX XXXX years ago when it first attempted to collect this debt. XXXX confirmed the account neither belonged to me nor did it have any record of an outstanding balance associated with my name. At the time, XXXX 's collector discontinued collection efforts and returned the account to XXXX. Additionally, XXXX confirmed that the account in question belongs to a consumer who has a XXXX  address. I've never lived in XXXX. 

This is an illegal parking of debt without written notice that violates the FDCPA. 

Please discontinue this collection attempt and remove the negative information to the the big XXXX consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal

ly 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 be
lieve that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief