vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA

Complaint narrative:
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 Checksytems reporting inaccurate information. 

These accounts have showed up on Chexsystems as unpaid which were paid in full and are being reported incorrectly, which has kept me from opening another checking account with another bank.

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 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MARINER FINANCE, LLC
State: GA

Complaint narrative:
I am unaware of this debt I didn't have an opportunity to dispute this information if in fact you believe you gave me proper notification then please send me the certified receipt with my name on it and my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: TN

Complaint narrative:
I'm reaching out to report an unauthorized inquiries on my credit report, which I believe to be fraudulent. I recently reviewed my report and noticed inquiries from companies I haven't engaged with, nor have I applied for any new credit or given consent for this check. This unexpected activity is very concerning, as I take my financial privacy seriously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Re : Request to Remove Inaccurate or Outdated Addresses from Credit Report To Whom It May Concern : I am writing to formally request the removal of incorrect or outdated addresses listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to ensure that all information reported is accurate, complete, and verifiable. Under 15 U.S.C. 1681c and 15 U.S.C. 1681i, consumers have the right to dispute information on their credit reports and to request that unverifiable or inaccurate information be corrected or removed. 

Upon review of my credit report, I noted the following address ( es ) that are incorrect or outdated and should be removed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX These addresses are no longer relevant to my credit profile and may lead to confusion or inaccurate reporting. In accordance with 15 U.S.C. 1681i ( a ), I am disputing these addresses and requesting an investigation to verify their accuracy. If the addresses can not be verified as accurate and current, please proceed with their removal from my credit report. 

Please update my credit file accordingly and send me a corrected copy of my credit report showing that these addresses have been removed. I appreciate your compliance with federal law in maintaining accurate and complete records. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: GA

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 2024-11-14 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. FRCA 15USC 1681 I ( 5 ) ( a ) Information that is inaccurate or incomplete must be delete. And below is an account that have violated my rights and is requesting the account be removed. 
XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXXXXXX These accounts also In accordance with the Fair Credit Reporting act 15 USC 1681 and 15USC 1692 ( g ) & ( c ) have violated my rights and is reporting incorrectly and is requesting the account be removed Accounts are both the same and they keep just changing the name.

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 2024-11-14 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. FRCA 15USC 1681 I ( 5 ) ( a ) Information that is inaccurate or incomplete must be delete. And below is an account that have violated my rights and is requesting the account be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts also In accordance with the Fair Credit Reporting act 15 USC 1681 and 15USC 1692 ( g ) & ( c ) have violated my rights and is reporting incorrectly and is requesting the account be removed Accounts are both the same and they keep just changing the name.

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 2024-11-14 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: IL

Complaint narrative:
I have contacted the credit reporting agencies XXXX, XXXX, and Equifax on several occasions in attempts to correct the errors on my reports. However, there have been little effort in working with me to make the necessary corrections. I am a victim of identity theft and I have sent out the police reports to all of the credit reporting agencies through certified mail and no corrections have been made at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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 contacted the credit reporting agencies XXXX, Experian, and XXXX on several occasions in attempts to correct the errors on my reports. However, there have been little effort in working with me to make the necessary corrections. I am a victim of identity theft and I have sent out the police reports to all of the credit reporting agencies through certified mail and no corrections have been made at all.

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 2024-11-14 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on there. Please remove these accounts from my report, they are hurting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: PA

Complaint narrative:
I was stunned to find inaccurate accounts suddenly appearing on my credit report tonight, and I have no idea how they got there. I routinely check my credit report, and this time, these unexpected discrepancies just showed up. I even tried refreshing my browser, hoping it was a simple glitch, but nothing changed. The incorrect accounts were still there after I refreshed. Because of this, Im asking that the documents I've submitted be carefully reviewed to prevent me from ever having to worry about this again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
Concord Credit Inc. sent a Mastercard to me and it arrived via USPS yesterday XXXX. I made several purchases and the card has a limit of {$300.00}. The amount of credit I used to purchase a number of items totalled less than {$300.00}. 

The next day today this morning I walked to a local merchant store to purchase a XXXX XXXX and a package of XXXX XXXXXXXX XXXX. The lady at the point of sale was unable to honor the financial transaction. Sometime last night Concord Credit Inc.for unsaid reason except their stat reasoned she said " was. marked as miscellaneous '' l. I asked he what that was supposed to mean? She replied " You may re-apply for a new account online on our website. '' I asked " Since you already my information on front of you on your computer why not re-apply now over this phone call? ". She first said, " Noand then said, " yes '' however ~ referred back to their website and refused to help their customer on the phone ~myself. She also XXXX included a letter via USPS was already written and on its way via USPS to my mailing address. I let her know during the phone call I would be filing this CFPB complaint against Concord Credit Inc for being unfairly arbitrary to their customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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:
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 2024-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief
Consumer complaint received 2024-11-14 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:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be 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. 


EQUIFAX XXXX XXXX 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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been working on my Equifax credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter The INCORRECT Address that should be deleted is XXXX XXXX XXXX, XXXX Georgia XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. The CORRECT Address is XXXX XXXX XXXX, XXXX XXXX GA XXXX. I am also showing an incorrect EMPLOYER of XXXX that needs to be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I do not owe any debts to COLUMBIA DEBT RECOVERY and I have never received notice of this collection via mail from COLUMBIA DEBT RECOVERY and thats a violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: VA

Complaint narrative:
I have a XXXX  Reporting on my Credit Report that is reporting inaccuracies, The XXXX  that was filed is incorrect and the Dates is incorrect, And the status of it is incorrect. I will be sending Documentation of correct information from my attorney and I will like this inaccurate information deleted immediately because I have tryed to fix this and the issue has not been fixed and all my rights are being violated due to the FCRA, The XXXX  is Ref # 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 2024-11-15 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I discovered unauthorized inquiries on my credit report this morning, and Im at a loss for why theyre there. I regularly check my report, and I was caught off guard by these unexpected discrepancies. I refreshed my browser to ensure it wasn't a mistake, but the inquiries persisted. I am really frustrated by this and am asking for a thorough review of my documents so I can finally have peace of mind.

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 2024-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
15 Usc code S1681 section 602 A There is a need to ensure that consumer reporting agencies exercise the grave responsibilities with fairness impartiality and respect for consumer rights to privacy.

15 USC 1693 C Ceasing communication 15 USC 1681 section 2 15 USC 1681 Section 602 A Reporting information with actual knowledge or errors. A person shall not furnished any information relating to consumer reporting agency or has reasonable cause to believe the information is inaccurate. 
The following Account and Account Numbers. 
XXXX XXXX XXXX  Account number : XXXX in the amount of {$170.00}. 
XXXX. XXXX XXXX XXXX Account number XXXX {$420.00} XXXX XXXX XXXX Account number XXXX XXXX Debt paid in full XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX {$2100.00} XXXX Funding Account XXXX {$340.00} XXXXXXXX XXXX XXXX XXXX Number XXXX {$420.00} XXXX XXXX XXXX Account XXXX XXXX {$2300.00} XXXX. XXXX XXXX XXXX XXXX Account number : XXXX {$2300.00} Please removed these accounts off my credit report

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 2024-11-14 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: GA

Complaint narrative:
Hello inside you will find my dispute detailing my concerns regarding the company and the violations of both FCRA, FDCP, and CFPA Laws.

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 2024-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I applied for a Barclays XXXX XXXX credit card in XX/XX/year> and I was approved. After receiving the card I was unable to activate and received a message to contact Barclays who requested additional information to confirm my identity.

One of the items they requested was either A ) A utility bill with my name or B ) A savings or checking bank account with my name I am unable to supply either of these as I live outside the XXXX most of the time and do not have utility bill in my name and I use a brokerage account for my checking and savings and Barclays made it clear that I could not use a brokerage account. 

My credit card account had been set up for autopay and while this was going on, Barclays charged me {$99.00} for the yearly fee. This was deducted from my wife 's checking account. 

I have called Barclays multiple times requesting the card account be closed and the yearly fee refunded as I can not use the card and have not way of activating it based on their policies. 

They have told me repeatedly that they can not close the account unless I provide the additional documentation requested which I have already told them I can not do.

It is a Catch-22 situation and makes no sense.

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 monetary relief
Consumer complaint received 2024-11-14 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: CA

Complaint narrative:
It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on 3 Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.

Company response to consumer: Closed with explanation