vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year> I purchased an A/C repair kit from XXXX  for {$100.00}. I purchased it and the clerk said the machine wasnt working so we went to the second register where I repurchased it because he said it didnt work the first time. On XX/XX/year> I filed a double charge dispute with XXXX XXXX  to get this corrected since I did not buy 2 of them. On XX/XX/year> XXXX XXXX put a note on my credit report stating Account information disputed by consumer, meets FCRA requirements. This note immediately destroyed XXXX XXXX XXXX XXXX XXXX XXXX hard work. My score went down XXXX points all because I was double charged at XXXX. This is unfair to me and impact my family and my life. This is wrong and criminal to punish me for filing a dispute on a double charge that was not my fault.

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 2024-08-15 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: TX

Complaint narrative:
On XX/XX/year> I purchased an A/C repair kit from XXXX  for {$100.00}. I purchased it and the clerk said the machine wasnt working so we went to the second register where I repurchased it because he said it didnt work the first time. On XX/XX/year> I filed a double charge dispute with XXXX XXXX to get this corrected since I did not buy XXXX of them. On XX/XX/year> XXXX XXXX  put a note on my credit report stating Account information disputed by consumer, meets FCRA requirements. This note immediately destroyed my credit score and years of hard work. My score went down XXXX points all because I was double charged at XXXX. This is unfair to me and impact my family and my life. This is wrong and criminal to punish me for filing a dispute on a double charge that was not my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint due to inaccurate late payment records for account XXXX  ( XXXX  ) on my credit report, despite my consistent fulfillment of obligations. My multiple disputes have only led to the account being 'validated ' without any certified proof of default. This situation clearly violates several laws : the company has failed to conduct a reasonable investigation into disputed information, as required by 15 USC 1681i ( 5 ) ; the misleading and inaccurate data breaches the FCRAs requirement for fair and accurate reporting under 15 USC 1681 ( a ) ; the company has furnished information to a credit reporting agency without my written consent, violating 15 USC 1681s-2 ( a ) ( 2 ) ; and the creditor has treated payments as late without ensuring that each periodic statement is mailed or delivered within the 14-day timeframe mandated by 15 USC 1666b. I demand immediate correction of these inaccuracies and strict compliance with the legal 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 explanation
Consumer complaint received 2024-08-15 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: NY

Complaint narrative:
I am filing this complaint due to inaccurate late payment records for account XXXX  ( XXXX  ) on my credit report, despite my consistent fulfillment of obligations. My multiple disputes have only led to the account being 'validated ' without any certified proof of default. This situation clearly violates several laws : the company has failed to conduct a reasonable investigation into disputed information, as required by 15 USC 1681i ( 5 ) ; the misleading and inaccurate data breaches the FCRAs requirement for fair and accurate reporting under 15 USC 1681 ( a ) ; the company has furnished information to a credit reporting agency without my written consent, violating 15 USC 1681s-2 ( a ) ( 2 ) ; and the creditor has treated payments as late without ensuring that each periodic statement is mailed or delivered within the 14-day timeframe mandated by 15 USC 1666b. I demand immediate correction of these inaccuracies and strict compliance with the legal requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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:
I am filing this complaint due to inaccurate late payment records for account XXXX  ( XXXX  ) on my credit report, despite my consistent fulfillment of obligations. My multiple disputes have only led to the account being 'validated ' without any certified proof of default. This situation clearly violates several laws : the company has failed to conduct a reasonable investigation into disputed information, as required by 15 USC 1681i ( 5 ) ; the misleading and inaccurate data breaches the FCRAs requirement for fair and accurate reporting under 15 USC 1681 ( a ) ; the company has furnished information to a credit reporting agency without my written consent, violating 15 USC 1681s-2 ( a ) ( 2 ) ; and the creditor has treated payments as late without ensuring that each periodic statement is mailed or delivered within the 14-day timeframe mandated by 15 USC 1666b. I demand immediate correction of these inaccuracies and strict compliance with the legal 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 explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
AARGON COLLECTION AGENCY. XXXX XXXX XXXX XXXX XXXX XXXX. Is breaking Federal Law on a daily basis by harrassing consumers with medical debts less than 180 days old contrary to Federal Law. I explained payments were made but they continued. Some payments were reflected but the letter they sent said they did not have an arrangement. The debt started XX/XX/year>. The collections started prior to XX/XX/year>. The final amount they harrassed me for was only 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 2024-08-16 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:
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 2024-08-15 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: TN

Complaint narrative:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are 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 2024-08-15 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: TN

Complaint narrative:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are 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 2024-08-15 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX : Balance : {$110.00} Account Name : XXXX XXXX  # XXXX : Balance : {$9900.00} Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX : Balance : {$74.00} Account Name : XXXX # XXXX : Balance : {$5200.00} Account Name : XXXX  XXXX # XXXX Account Name : XXXX  # XXXX : Balance : {$950.00} Account Name : XXXX  # XXXX : Balance : {$6700.00} Account Name : XXXX XXXX XXXXXXXX # XXXX : Balance : {$4100.00} Unauthorized Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX : Balance : {$110.00} Account Name : XXXX  XXXX  # XXXX : Balance : {$9900.00} Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX : Balance : {$74.00} Account Name : XXXX  # XXXX : Balance : {$5200.00} Account Name : XXXX  XXXX # XXXX Account Name : XXXX  # XXXX : Balance : {$950.00} Account Name : XXXX  # XXXX : Balance : {$6700.00} Account Name : XXXX  XXXX  XXXX # XXXX : Balance : {$4100.00} Unauthorized Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am seeking your assistance regarding this incorrect account listed on my credit report. I am raising this issue because it has harmed my reputation, and I urgently need your help. Your mishandling of my credit report has left me in a difficult position, as the incorrect information has severely damaged my reputation. These inaccuracies must be removed so I can live peacefully 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 2024-08-15 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: PA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-08-15 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:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name 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/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: SC

Complaint narrative:
I have asked 9 times verbally over the phone and XXXX times in writing to remove all dispute wording from my credit reports. I cant get an equity loan with my home lender until this takes place. This has caused an economical hardship for me and 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 2024-08-15 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: SC

Complaint narrative:
I have asked 9 times verbally over the phone and XXXX times in writing to remove all dispute wording from my credit reports. I cant get an equity loan with my home lender until this takes place. This has caused an economical hardship for me and 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 explanation
Consumer complaint received 2024-08-15 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: PA

Complaint narrative:
I RECENTLY RAN MY CREDIT REPORTS AND NOTICED ACCOUNTS THAT WERE FRADULENT

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 2024-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: TX

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX  # XXXX : Balance : {$8900.00} Account Name : XXXX XXXX # XXXX : Balance : {$2500.00} Account Name : XXXX  # XXXX : Balance : {$460.00} Account Name : XXXX  XXXX # XXXX : Balance : {$10000.00} Account Name : XXXX # XXXX : Balance : {$12000.00} Account Name : XXXX XXXX  # XXXX : Balance : {$1500.00} Account Name : XXXX  # XXXX : Balance : {$130.00} Account Name : XXXX XXXX  # XXXX : Balance : {$18000.00} Account Name : XXXX  # XXXX Account Name : XXXX # XXXX : Balance : {$630.00} Account Name : XXXX  XXXX XXXX XXXX  # XXXX : Balance : {$660.00} Account Name : XXXX # XXXX  Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX  # XXXX : Balance : {$730.00} Account Name : XXXX  XXXX XXXX # XXXX : Balance : {$52.00} Account Name : XXXX XXXX  # XXXX : Balance : {$2100.00} Account Name : XXXX XXXX # XXXX : Balance : {$200.00} Account Name : XXXX XXXX XXXX XXXX XXXX : Balance : {$640.00} Account Name : XXXX, XXXX  # XXXX : Balance : {$1900.00} Unauthorized Inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: FL

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 in MONTHS REPORTING LATE to be removed 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.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my consumer reports.

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