vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-31 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: IL

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : late payment XXXX XXXX XX/XX/XXXX {$0.00} inquiries ALLY FINANCI XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX personal information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employers : XXXX XXXX  Employers : XXXX XXXX Name : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: IL

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 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: HI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of accounts opened at XXXX XXXX opened on XXXX XXXX, an account at XXXX XXXX XXXX  opened on XX/XX/XXXX, a XXXX XXXX XXXX account opened XX/XX/XXXX, a XXXX XXXX XXXX account on XXXX XXXX and a XXXX XXXX account on XXXX XXXX. I also notice the addresses and Names on the report also invalid and not recognized. These accounts have resulted in several fraudulent hard inquiries, soft inquiries and fraudulent collections appearing on my consumer XXXX credit report. The information given that are in question is listed as well as a copy of the consumer XXXX credit report maintained by you ( EQUIFAX ) which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you ( EQUIFAX ) were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: TX

Complaint narrative:
I had a chime account with around XXXX dollars in it and it was randomly closed for suspicious activity they never told me what was suspicious never helped me in the matter of getting my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: PA

Complaint narrative:
THIS COMPANY IS REPORTING ON ME WHO ARE YOU I DONT KNOW THESE PEOPLE I DIDNT GIVE THEM PERMISSION TO REPORT IN MY NAME THEY ARE GIVING PEOPLE PERMISSION TO REPORT FALSELY ON ME. PLEASE GIVE ME SOMETHING SOLID IM BEING DENIED JUST NOT RIGHT BY LAW PLEASE INVESTIGATE... PLEASE REMOVE NEGATIVE REPORTING AND UPDATE.. I FILED A COMPLAINT REPORT TO THE FTC...

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 2024-10-31 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: NJ

Complaint narrative:
I recently reviewed my credit report and noticed several inaccuracies that are seriously impacting my credit score. These mistakes are driving my score down and affecting my access to better interest rates and financial products.

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 2024-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
To whom this may concern RE : XXXX XXXX. False and misleading information ( the contract you allegedly signed has violations ) Reselling the account to another company is a violation The loan itself is a violation of 15 USC 1605 ( a finance charge ) which violates a contractThere is no question of the general doctrine that fraud vitiates the most solemn contracts, documents, and even judgments '' ( United States v. Throckmorton, 98 US 61 ( 1878 ). By this principle, this matter should never have reached this Court 's attention.

Nothing can be on a consumer report without your permission/ factual information isnt suppose to be on a consumer report ( 1681 ( 2 ) ( A ) ( i ) otherwise it constitutes as identity theft due to no consent1681a ( q ) ( 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: FL

Complaint narrative:
Account Number : XXXX. The late payment in question is reported by XXXX XXXX XXXX for the period of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by EXPERIAN. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. 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.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the 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 and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: MD

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE 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 2024-10-31 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: MD

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

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 2024-10-31 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: MD

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

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 2024-10-31 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: LA

Complaint narrative:
I am filing this complaint against TransUnion for failing to comply with Section 605C of the Fair Credit Reporting Act ( FCRA ). This provision requires consumer reporting agencies to permanently delete any adverse information on a credit report that resulted from being a victim of human trafficking. 

Under FCRA 605C, upon receiving appropriate documentation substantiating my status as a victim of human trafficking, TransUnion is obligated to : Permanently delete all adverse information linked to this trafficking from my credit file. 
Ensure this information is not reinserted or accessible in any way within the report. 
Despite my submission of the necessary documentation, TransUnion has failed to comply with this legal mandate, resulting in ongoing harm and financial difficulties. I request immediate action to permanently delete all applicable adverse information from my credit report in accordance 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 2024-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
IC systems is on my credit report with a balance of {$220.00} which is not valid..

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 2024-10-31 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: GA

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. 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 non-monetary relief
Consumer complaint received 2024-10-31 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: IL

Complaint narrative:
I have filed a dispute for a public record that is listed in my credit file. However, the courts do not provide any information to credit bureaus or the third-party service they utilize, XXXX XXXX, which does not have any public records listed within my records. 

Experian has declined to conduct a thorough investigation to remove the disputed record.

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 2024-10-31 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX shows XXXX different times for XXXX accounts within my credit report. One amount for {$570.00}, the second amount for {$380.00}, and the third amount for {$660.00}. I need proof of purchase as I am not sure who these accounts originated from and certainly not 3 of the same accounts resulting in collections for different amounts all with the same orgination date listed. These accounts are a huge red flag.

National Credit Adjust is showing 2 accounts on my credit report. One in the amount of {$310.00} and the second in the amount of {$1300.00}. I have not had any success in getting information from this creditor and would like to obtain proof of purchase along with the origination date. 

XXXX XXXX XXXX is showing 2 collection accounts on my credit report. The first collection amount is {$790.00} and the second collection amount is {$830.00}. Please provide proof of purchase as well as all originating documents to confirm account ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX  shows 3 different times for XXXX accounts within my credit report. One amount for {$570.00}, the second amount for {$380.00}, and the third amount for {$660.00}. I need proof of purchase as I am not sure who these accounts originated from and certainly not 3 of the same accounts resulting in collections for different amounts all with the same orgination date listed. These accounts are a huge red flag.

XXXX XXXX XXXX  is showing 2 accounts on my credit report. One in the amount of {$310.00} and the second in the amount of {$1300.00}. I have not had any success in getting information from this creditor and would like to obtain proof of purchase along with the origination date. 

LVNV Funding LLC is showing 2 collection accounts on my credit report. The first collection amount is {$790.00} and the second collection amount is {$830.00}. Please provide proof of purchase as well as all originating documents to confirm account ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: MA

Complaint narrative:
I have 3 Citi credit cards, As of today, all of them have been made unusable by the predatory practices of Citi bank. Attached, please find their letter I received today, EXACTLY THE DAY AFTER they received my payment. The card had a very low limit of {$4500.00}. XXXX, but Citi now reduced even this, again referring to the XXXX reporting. 
At this moment, none of my three Citi credit cards are usable - the limits have been reduced to what I allegedly owe plus {$120.00} or so on each, Many complaints have been filed with CFPB about the irresponsible, predatory, and abusive Citi practices, CFPB does NOTHING : ( Citi continue their abuse along with their thanks for my prompt payments, WELL, CITI, THERE WILL BE NO MORE PAYMENTS UNTIL AND UNLESS YOU ABIDE BY THE ORIGINAL TERMS OF OUR AGREEMENTS, Meantime, XXXX should pay you my bills until my attorneys will take you to court and fine you to the 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 2024-10-31 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: DE

Complaint narrative:
I am writing to request the immediate blocking and deletion of specific accounts and inquiries from my credit report. I am a victim of a data breach, which has compromised my personal information and exposed it to potential identity theft. As authorized by 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting the removal of the following entries from my credit file : Accounts : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2024-10-31 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: IL

Complaint narrative:
The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Purchased {$200.00} amex egift card and activated on XX/XX/year>. 

XX/XX/year> - {$200.00} total ( {$4.00} fee and {$190.00} payment ) Tried paying property taxes but card was declined. Never had this problem before with any other credit card or pre-paid gift card. 

XX/XX/year> - {$200.00} total ( {$4.00} fee and {$190.00} payment ) Tried paying property taxes again but declined. 

Went to support site and one of the suggestions was to add it to a mobile wallet. 

XX/XX/year> - tried adding card to XXXX XXXX  and it was declined ; XXXX said to contact the card issuer ; this also left a {$0.00} pending hold on the card XX/XX/year> - called the support number at XXXX and none of the endless menu options were helpful. 


Overall, funds that are needed are being held in this unusable gift card. Can someone help me figure out how to use this card or refund me the {$200.00}? 

If this is not possible, is my only alternative to call my credit card company and ask them to mediate this?

Company response to consumer: Closed with monetary relief