vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( CHANGE TO NAME OF BANK ACCOUNT ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( CHANGE TO NAME OF BANK ACCOUNT ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance 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 explanation
Consumer complaint received 2024-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-07-04 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: TX

Complaint narrative:
I'm a victim of identity theft whoever stole my identity opened fraudulent accounts in my name and the accounts are reporting negatively on my credit report. Here are some of the fraudulent inquires and accounts ... .I also attached supporting documents. 

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

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 2024-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
For the past few months Ive been receiving what I thought was phishing / spam texts about money owed. It turns out money has been taken out of my account on several occasions. When I addressed this issue I was told they do not have a contract nor do they send physical bills and that someone would call me within 48 hours. That never happened and Today I received another harassment text message stating that that account was past due. I do not owe nor own the debt in question and I wish for them to credit all of my securities back to me and cease and desist communications with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : I am writing to dispute the following information in my Chex systems credit file. In Accordance to 15 USC 1681b a ( 2 ), I did not give written consent to have these accounts placed on my report by this agency. Please remove these accounts immediately, as my rights are being violated. Legal action shall be taken against this company, should these accounts, inquires and addresses below not removed from their report. 


Please update me, when these items are removed as soon as possible. 

Accounts and Information violating my rights that I wanted removed. 

Other names : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Im enclosing my Drivers license, social security card, Chexs systems report, and a current utility bill to verify my identity and address.

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 2024-07-04 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: KY

Complaint narrative:
I feel frustrated and disappointed. Ive been consistently ignored with my request to correct inaccuracies from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I had no choice except to follow my lawyer 's advice for filling XXXX XXXX Bankruptcy to stop foreclosure initiated by XXXX XXXX, counsel for Real Time Resolutions , Inc . I had only a few hours to comply with the requirements for filing XXXX XXXX bankruptcy in an expedited electronic filing with the United States Court. XXXX XXXX tricked me in early XXXX of XXXX into postponing the hearing, scheduled at the County Courthouse for a temporary injunction by the court to stop collection activities and take the case to jury trial. 

To become a lawyer, one has to go through an extensive law school, learning all sorts of subject studies, including ethics and upholding justice for all. In fact, that is not the case for this lawyer. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) and his associates, XXXX XXXX XXXX ( Real Time Resolutions ) and XXXX XXXX ( Director of Loss Mitigation at Real Time Resolutions ), XXXX XXXX ( XXXX XXXX Firm Trustee ), are crooked, dishonest, greedy. They conspired to commit approximately multiple felony counts of California Penal Code 115 by viciously and intentionally inflicting harm to my family and me to take away everything that I had worked hard for the past XXXX years. It was like pointing a XXXX XXXX XXXX XXXX  in a XXXX XXXX compared to the foreclosure proceedings scheduled for XX/XX/XXXX. 

On XX/XX/XXXX, when the fraud was discovered with the help of a judge in XXXX XXXX XXXX XXXX XXXX for checking at the Recorder Office, I immediately filed a complaint with the District Attorney 's Office. I swore to the investigator, XXXX XXXX XXXX, " I bet my life that I am a victim of fraud. '' He looked at my eyes and told me he was a criminal investigator, but he had no experience in real estate crimes. 

Anyway, I intend to fight this case until justice prevails. XXXX XXXX XXXX and his associates risk felony charges, banning from practicing laws, and a hefty jail time and fine if all of you are still pretending to act viciously to massive fraud due to greed and dishonesty. 

Sent from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-04 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST PORTFOLIO SERVICING INC
State: MD

Complaint narrative:
I filed for bankruptcy in XXXX of XXXX. This account was included in the bankruptcy. I disputed the item ( I was unable to locate the information to contact them directly ), to see if I could get it removed from my credit report, as it was due to fall off early next year. After the investigation, it appears to have been changed from " Discharged in XXXX  XXXX Bankruptcy '' to " Charge-off Paid ''. I'm not sure if this was a mistake. I would like to see, since the account is scheduled to fall off soon, if I could get it removed from my account, or get some clarification as to why it was changed. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 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: NY

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 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 recently obtained a copy of my credit report, and upon reviewing it, I discovered an array of errors and unapproved accounts/information. These comments have negatively impacted both my life and credit history.

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 2024-07-04 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 recently obtained a copy of my credit report, and upon reviewing it, I discovered an array of errors and unapproved accounts/information. These comments have negatively impacted both my life and credit history.

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 2024-07-04 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: IA

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION WAS RELEASED TO THE PUBLIC VIA THE XXXX, TRANSUNION, AND XXXX DATA BREACHES AND SOMEONE WAS SUCCESSFUL IN OPENING UP ACCOUNTS WITHOUT MY CONSENT AND AUTHORIZATION. I NEED THESE ACCOUNTS REMOVED AND DELETED FROM MY CREDIT FILE IMMEDIATELY BECAUSE THIS IS SEVERELY HURTING MY REPUTATION WITH THE BANKING SYSTEM. IM STRESSED AND DEPRESSED AND I WAS TOLD TO SUBMIT A POLICE REPORT AND A FTC REPORT IN WHICH WILL BE ATTACHED TO THE THIS COMPLAINT. I SENT IT IN TO THE BUREAUS MORE THAN 30 DAYS AGO BUT THEY JUST IGNORED ME. IT IS INDEED MYSELF MAKING THESE COMPLAINTS AND NOT A THIRD PARTY AND THIS WAS NOT DONE IN ERROR. IT IS THE LAW TO HAVE SAID UNAUTHORIZED ACCOUNTS AND INQUIRIES REMOVED FROM MY REPORTS 4 DAYS AFTER RECEIPT AND THE CONSUMER REPORTING AGENCIES ARE BREAKING 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 2024-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Management Services, Inc.
State: UT

Complaint narrative:
On XX/XX/2023 the third party debt collector was notified in writing that the debt was disputed and verification of the debt was requested. No information was provided regarding the alleged debt but the third party debt collector continues to attempt to collect on the alleged debt by placing an incomplete and unverified tradeline on my credit report, negatively impacting me, the consumer. I have not received verification of this alleged debt and refuse to pay something that has not been proven to be owed.

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 2024-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

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 2024-07-04 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:
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 2024-07-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: KEYCORP
State: NY

Complaint narrative:
On XX/XX/2024 I applied for a business credit card at XXXX XXXX XXXX XXXX. 
XXXX XXXX, NY XXXX. 
I have been a member for almost a year. I have a business checking account with them along with a personal saving account & a personal checking account. XXXX weeks pass by & I ask for the results of the decision. They could not provide me with one. I continued to contact the relationship banker on this matter until finally after another week & a half, they told me that my application for business credit was denied. I asked for a notice of ADVERSE ACTION ( EXPLAINING THE REASONS FOR THE REJECTION ) They did not reply. After multiple unsuccessful trying to get this letter/notice, I called XXXX customer service & explained to them that my consumer rights where violated by them not providing my letter of ADVERSE ACTION. They then scheduled a in person appointment with the branch XXXX XXXX XXXX. The branch manager called me to tell me that the appointment was cancelled by her & there was no need for us to speak. I told her by law that they was to send me a letter/notice of adverse action within XXXX to XXXX business days after the rejection. She quickly dismissed the subject an hung up the phone. 

This particular bank has violated my consumer rights. 
Date and Time : XXXX, XX/XX/2024 - XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, NY XXXX ( XXXX ) XXXX Banker Name : XXXX XXXX Appointment Type : Client Service Confirmation Number : XXXX I need them to provide this information under the law : FCRA section 701 ( d ) ( 6 ) of ECOA The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I setup payment plan. Please remove my collection

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: TX

Complaint narrative:
On I discovered ( MRS BPO , LLC. ) had been re-inserted into all my three credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification, without my knowledge of this account. I've proof of account was deleted and reappearing. Please delete this item immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief