vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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: FL

Complaint narrative:
I am writing to follow up on my previous letter dated XX/XX/XXXX, in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on myXXXX XXXX XXXX XXXXXXXX - This account is reporting incorrectly.To date, I have not received confirmation of the correction nor observed any changes in my credit report. 

Date of reported late payment : 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 2025-01-13 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: LA

Complaint narrative:
I've recently checked my credit report and noticed some inaccurate accounts reported

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: RI

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-01-13 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: TX

Complaint narrative:
I am submitting this complaint against XXXX XXXX, TransUnion, and XXXX due to improper and potentially illegal reporting practices related to my credit file. 

Background Information : XXXX XXXX sold my debt to a third party, yet they continue to report the account and late payments to my credit report. Under the Fair Credit Reporting Act ( FCRA ), it is my understanding that once a debt is sold, the original creditor no longer has the right to report activity related to that account. This practice is misleading, inaccurate, and detrimental to my creditworthiness. 

Additionally : TransUnion has failed to ensure the accuracy of the information being reported, as required under the FCRA. Despite my disputes, TransUnion continues to report outdated and erroneous account information without conducting a proper investigation. XXXX has similarly failed to investigate disputes and has reported inaccurate and outdated information about the same debt. 
Details of the Complaint : XXXX. XXXX XXXX : Sold my debt but continues to report late payments and account activity. Failed to notify me that my account information was being transferred or sold to another party. 
XXXX. TransUnion : Failed to investigate disputes and verify the accuracy of Tower Loans reporting. Continued to report incorrect account details, including delinquent payments, after the debt was sold. 
XXXX. XXXX : Also failed to investigate disputes regarding this account. Reported inaccurate and outdated information after the debt was sold, in violation of FCRA requirements.

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 2025-01-13 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: TX

Complaint narrative:
I am submitting this complaint against XXXX XXXX, XXXX, and Equifax due to improper and potentially illegal reporting practices related to my credit file. 

Background Information : XXXX XXXX sold my debt to a third party, yet they continue to report the account and late payments to my credit report. Under the Fair Credit Reporting Act ( FCRA ), it is my understanding that once a debt is sold, the original creditor no longer has the right to report activity related to that account. This practice is misleading, inaccurate, and detrimental to my creditworthiness. 

Additionally : XXXX has failed to ensure the accuracy of the information being reported, as required under the FCRA. Despite my disputes, XXXX continues to report outdated and erroneous account information without conducting a proper investigation. Equifax has similarly failed to investigate disputes and has reported inaccurate and outdated information about the same debt. 
Details of the Complaint : XXXX. XXXX XXXX : Sold my debt but continues to report late payments and account activity. Failed to notify me that my account information was being transferred or sold to another party. 
XXXX. XXXX : Failed to investigate disputes and verify the accuracy of Tower Loans reporting. Continued to report incorrect account details, including delinquent payments, after the debt was sold. 
XXXX. Equifax : Also failed to investigate disputes regarding this account. Reported inaccurate and outdated information after the debt was sold, in violation of FCRA requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: TN

Complaint narrative:
Recently I looked at a copy of my report and noticed inaccuracies on my account. This account is hurting my ability to obtain credit.Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate XXXX XXXX XXXX XXXXXXXX

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 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I disputed a collection on my credit profile with experian and have come to believe they did not investigate my claim.

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 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
Theyre are several dates, I also sent to CFPB and those accounts are still on my credit report. Im been taking to court for foreclosure, Im receiving mail about taking me to court from a 3party fake lawyer Midland Credit Management, They are also Charge-off thats still on my report thats should be. I Did Not give Verbal or Written Consent for and company or Corporation to use my information to use for theyre benefit XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and any other companies or Corporations thats violating the rights of the constitution, Im a natural living Soul

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: PA

Complaint narrative:
I found incorrect accounts listed on my credit report this morning, and Im confused about how they got there. While checking my report as usual, I noticed sudden inconsistencies. Refreshing the browser didnt fix the issue, as the errors remained. Because of this, Im asking for a detailed review of the documents I sent to ensure this doesnt happen again.

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 2025-01-13 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I submitted a dispute to Experian on XX/XX/year> regarding inaccurate information on my credit report. Since then, I have not seen any corrections or received valid documentation to verify the accuracy of the disputed information. 

Despite my efforts to resolve this matter, Experian has failed to provide : Signed agreements or contracts related to the disputed account. 
Statements, payment records, or transaction details to validate the item. 
Any meaningful explanation or resolution to my dispute. 

This lack of action has caused ongoing frustration and has negatively impacted my financial situation and ability to secure credit. 

Actions Taken : Submitted a formal dispute on XX/XX/year> via mail. 
Followed up several times to no avail.

Outcome Sought : I request a full investigation into this matter, prompt removal of 
the inaccurate information, and an explanation of Experians handling of my dispute.

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 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Gordon, Aylworth & Tami, P.C.
State: OR

Complaint narrative:
The lawyers Gordon , Aylworth & Tami , P.C . have been harassing me for years, threatening to garnish my wages and social security on a debt that should have been paid off after all the {$2600.00} in payments I've made as the original credit card debt was no more than {$700.00}. The reason it got so much higher, is that I reached out to them in XXXX of XXXX, because I had been evicted and was completely broke, but offered to pay {$50.00} per month until I got back on my feet. They obtained a debt garnishment from the Circuit of the State of Oregon, before even disagreeing with me on the lowered payments. I am a XXXX, working part-time and living on that work and my social security. I have had a bad financial year and stopped paying because I have OVERPAID THEM, and didn't bother to ask to have the debt relieved, as they are crooks. Yesterday, I received another garnishment notice against another judgment they filed against me, and they're asking for another {$820.00} or are threatening a garnishment of 75 % of my take-home wages, Social Security income , public assistance, unemployment, XXXX benefits, workers compensation benefits, and any other income, including household goods, furniture, vehicles, and more. I do not owe them ANYTHING FURTHER, but they continue to XXXX XXXX  for money, over, and over again. I just want this debt settled and to stop the harassing phone calls, threats, and legal documents. I am sickened that companies can operate in this manner.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: MD

Complaint narrative:
Equifax has failed to fulfill their obligation under the FCRA by receiving factually inaccurate and incomplete information from unreliable furnishers and furnishing it on my consumer report. The furnishing of this information is damage my reputation and patently incorrect and is misleading in such a way and to such an extent that it can be expected to have an adverse effect on me! Therefore I'm disputing the completeness and accuracy of the information contained in my file and requesting that Equifax conduct an reasonable reinvestigation into this matter. I've attached my consumer report highlighting the inaccurate I was able to find. see attachments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-13 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: OK

Complaint narrative:
Called these companies XX/XX/year>, I keep getting the run around by the companies; told me that I have to reach out to Equafax and XXXX about taking the inquiries off my credit. I just need all these hard and soft Inquiries taken off my Equafax and XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
I'm very sorry because I wrong put company name.the problem already solved.my complain I'd. XXXX delete and close the complain..thank u very much your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/XXXX, there was a charge for XXXX on my wife and I 's joint card. From this point, we requested the charge to be reviewed and requested new debit cards as we assumed someone hacked our account or there is some form of fraud taking place which is the case. We replaced all of our bank cards and the security team reviewed the transaction, indicated it was incorrect and credited us the XXXX cents. Then on XX/XX/XXXX the charged was reapplied to our account. My wife then called on XX/XX/XXXX and indicated the charge was incorrect once again and the case needed to be reopened. I then followed up with a phone call as well indicating something similar on XX/XX/XXXX. Today ( XX/XX/XXXX ), I followed up and spoke with the dispute resolution management team once again and they indicated the case was closed again on XX/XX/XXXX, apparently after we called, the security team conducted their review and indicated the charge was " authorized '' from us. The women I spoke to this time indicated she will make a note and have the security team review it once again but the reason it was reapplied was due to inconsistent evidence or information. They are indicating that the charge came from my card and I used my pin to obtain the funds from an ATM which is not true. To summarize, there is a charge of XXXX on our account that is not from us, Huntington does not have enough information to properly determine if the charge came from us as the charge took place on XXXX XXXX in a county we do not live in, yet we are stuck with the charge due to their lack of information?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-13 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-01-13 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: MN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-13 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRAUDULENT ACCOUNT APPEARING ON MY CREDIT PROFILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: GA

Complaint narrative:
Ive contacted them twice about the same account, my XXXX XXXX is in late payment status as 30-69 days late and has a late payment on XXXX and I wasn't late in XXXX. I disputed the information and XXXX XXXX stated they fixed it but its still showing late on my report. I ask that you guys please fix this situation immediately.

Company response to consumer: Closed with explanation