vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-09 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:
On XX/XX/year>, XXXX Flagged my account as a charge off. So I reached out to them requesting for a 1099 so I can file that as an income, but they have not made any effort in sending the requested document.

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 2024-12-09 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:
This morning, I discovered inaccurate accounts listed on my credit report, and I am completely baffled as to why this has happened. When I checked my report, as I normally do, I noticed discrepancies that came out of nowhere. I even refreshed my browser, thinking it might be a glitch, but nothing changed. The inaccurate accounts remained, and now I am pleading for the documents Ive submitted to be thoroughly reviewed so I can finally put this worry to rest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: DC

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 2024-12-09 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: GA

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 explanation
Consumer complaint received 2024-12-09 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: CT

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-12-09 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: IL

Complaint narrative:
I have identified accounts and inquiries on my consumer report that result from identity theft. Attached you will find the FTC report, My consumer statements, and my identification; proving my identity. These items are not related to any transactions made by me. I have tied to contact the companies directly to no avail.

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 2024-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP
State: MI

Complaint narrative:
I have a balance in my XXXX car account even though I paid all the payment and left with only one and they said I have XXXX extensions and that will cost me XXXX that I can not afford to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/year> Subject : Formal Dispute Regarding Late Payments on Account # XXXX Dear CFPB, I am writing to formally dispute inaccuracies in my credit report concerning the account with XXXX XXXX ( Account # XXXX ). After a thorough review of my records, I have identified discrepancies in the reported late payments for XXXX, XXXX, and XX/XX/year>. To the best of my knowledge and documented payment history, these payments were made on time. 
Details of the Account : High Balance : {$2900.00} Last Verified : XX/XX/year> Date of Last Activity : XX/XX/year> Date Reported : XX/XX/year> Date Opened : XX/XX/year> Balance Owed : {$0.00} Account Status : Paid Payment Status : Late 90 Days Supporting Evidence : I have attached copies of my payment records demonstrating that no payments were late during this period. 
Enclosed is a detailed copy of my credit report highlighting the errors. 
As mandated under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), information reported must be accurate and verifiable. I kindly request that you reinvestigate this account and provide : A description of the procedures used in your investigation. 
Documented proof of the late payments, including dates and amounts. 
If you can not substantiate the late payments, please update my account to reflect its accurate status as " Paid As Agreed Never Late. '' Failure to address this matter promptly will be considered a violation of the FCRA. 
Thank you for your immediate attention to this matter. I expect a response within 30 days, as stipulated by the FCRA. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I attempted to dispute the apartment debt on my credit, along with an electricity bill. Whenever both of those items were initially issued, I was a minor and my identity had been stolen by my mother. Therefore, for the dispute, I sent in my Fraud Complaint Report, birth certificate, social and my government issued ID through XXXX. 


The electricity bill was no longer reflected on my credit however, the apartment itself was. They stated that the debt was deemed accurate. 

This would result me in calling the company directly and they have been giving me the run around for two weeks. I have even sent in my documentation again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/year> Subject : Formal Dispute Regarding Late Payments on Account # XXXX Dear CFPB, I am writing to formally dispute inaccuracies in my credit report concerning the account with XXXX XXXX ( Account # XXXX ). After a thorough review of my records, I have identified discrepancies in the reported late payments for XXXX, XXXX, and XX/XX/year>. To the best of my knowledge and documented payment history, these payments were made on time. 
Details of the Account : High Balance : {$2900.00} Last Verified : XX/XX/year> Date of Last Activity : XX/XX/year> Date Reported : XX/XX/year> Date Opened : XX/XX/year> Balance Owed : {$0.00} Account Status : Paid Payment Status : Late 90 Days Supporting Evidence : I have attached copies of my payment records demonstrating that no payments were late during this period. 
Enclosed is a detailed copy of my credit report highlighting the errors. 
As mandated under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), information reported must be accurate and verifiable. I kindly request that you reinvestigate this account and provide : A description of the procedures used in your investigation.

Documented proof of the late payments, including dates and amounts.

If you can not substantiate the late payments, please update my account to reflect its accurate status as " Paid As Agreed Never Late. '' Failure to address this matter promptly will be considered a violation of the FCRA.

Thank you for your immediate attention to this matter. I expect a response within 30 days, as stipulated by the FCRA. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/year> Subject : Formal Dispute Regarding Late Payments on Account # XXXX Dear CFPB, I am writing to formally dispute inaccuracies in my credit report concerning the account with XXXX XXXX ( Account # XXXX ). After a thorough review of my records, I have identified discrepancies in the reported late payments for XXXX, XXXX, and XX/XX/year>. To the best of my knowledge and documented payment history, these payments were made on time. 
Details of the Account : High Balance : {$2900.00} Last Verified : XX/XX/year> Date of Last Activity : XX/XX/year> Date Reported : XX/XX/year> Date Opened : XX/XX/year> Balance Owed : {$0.00} Account Status : Paid Payment Status : Late 90 Days Supporting Evidence : I have attached copies of my payment records demonstrating that no payments were late during this period. 
Enclosed is a detailed copy of my credit report highlighting the errors. 
As mandated under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), information reported must be accurate and verifiable. I kindly request that you reinvestigate this account and provide : A description of the procedures used in your investigation.

Documented proof of the late payments, including dates and amounts.

If you can not substantiate the late payments, please update my account to reflect its accurate status as " Paid As Agreed Never Late. '' Failure to address this matter promptly will be considered a violation of the FCRA. 
Thank you for your immediate attention to this matter. I expect a response within 30 days, as stipulated by the FCRA. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: IN

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Chime Inc.
State: NY

Complaint narrative:
On the XX/XX/year>. I sent {$1500.00} through SENDWAVE. to family member to settle school fees, and unfortunately, the last four digits of the account number mess up. So, l called the company what has happened, and l was asked, by the representative, do want the money to be reversed and I said yes. So, l was given 30 days before it can go through. After 30 days, l called the company and l was told that, the money had reached the recipient account. So, l sent my brother to make complaint to the local bank called XXXX XXXX from XXXX. According to them, they saw it, so the transaction was cancelled, so they told SENDWAVE. Up to date any time l call them they give me different stories.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-09 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: MS

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 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 2024-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

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 explanation
Consumer complaint received 2024-12-09 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: MD

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC
State: SC

Complaint narrative:
Tore my rep was not being fair. She was able to settle the amount but because I couldnt pay the amount in full, she renewed my debt back to what I originally owed. I wanted to settle for {$6700.00} like she said. My original debt is {$8200.00}. However, Im not able to pay in full. I kept begging her to put me on a payment arrangement and she refused! Seems like greed maybe. Im not sure if the reps get commission on that. Ethically if youre able to offer a payment arrangement then why not do it? I understand the company doesnt have to but having that option would help. This company is doing shady business with XXXX XXXX XXXX in the first place. Went to a seminar and salesman used shady tactics to get me to purchase a package. Which is fine but when I called to refund they told me no refunds allowed. Here i am today stuck with paying off a service that I never used! Im sure XXXX XXXX has other lawsuits similar to my story.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TX

Complaint narrative:
I used SQUAREUP as XXXX for my small coffee business. Used them since XX/XX/year>. We have NOT had any issues, any returns, any fraudulent activity. In XXXX, we were preparing for an event ( the week of ) and found an email from SQUAREUP saying they deactivated my account. I called immediately, and spoke to XXXX different people who said they can see my account was deactivated, but couldn't tell me why. It felt like I was a criminal ( they way they spoke with me ). Meanwhile, I have almost {$300.00} of earned money from our previous coffee vending event, that they won't transfer to my checking accounts on file, or they won't let me manually push the transfer through.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: FL

Complaint narrative:
CFPB Complaint Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Complaint against Equifax for Inaccurate Bankruptcy Information on Credit Report Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding an inaccurate bankruptcy entry on my credit report that has not been resolved despite my attempts to have it corrected. Below are the details of the dispute : 1. Company Information : Company Name : Equifax Company Address : XXXX XXXX XXXX XXXX, GA XXXX Phone Number : ( XXXX ) XXXX ( Equifax ) 2. Nature of the Complaint : I am disputing the inclusion of a bankruptcy on my credit report that was filed with the { XXXX XXXX XXXXXXXX } XXXX The bankruptcy was reported under reference # { XXXX } and listed the date of filing as { XX/XX/XXXX } Court # ( XXXX ). I have received a memorandum from the original creditor confirming that they have not sent any information regarding this bankruptcy to the credit bureaus. 
According to the Fair Credit Reporting Act ( FCRA ), specifically Rule 623 ( a ) ( 5 ), the original creditor is required to submit accurate and verifiable information to the credit bureaus. The information regarding the bankruptcy is therefore incorrect and must be removed because the original creditor has stated they never reported it. This violates both the Fair Credit Reporting Act ( FCRA ) and the provisions of 15 U.S.C. 609 ( a ) ( 1 ) and ( 2 ).

3. Actions Taken : On XX/XX/XXXX, I sent a written dispute directly to Equifax requesting the removal of the bankruptcy from my credit report, citing the memorandum from the original creditor confirming they did not report this bankruptcy. I attached the memorandum as supporting documentation. 
4. Impact on Me : The bankruptcy that appears on my credit report is erroneous, and it has negatively affected my credit score and my ability to obtain credit. The continued presence of this inaccurate information is causing harm to my financial well-being.

Company response to consumer: Closed with explanation