vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some late payments posted on my credit report : [ XXXX XXXX : [ XXXX ] XXXX ENDING IN XXXX [ XXXX XXXX : [ XXXX ] XXXX XXXX ENDING IN XXXX Your company is clearly in violation of the law. 

Under 15 U.S. Code 1681a Definition ; rules of construction 15 U.S. Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate Information Prohibition ( A ) Reporting Information with actual knowledge of errors, THE LAW CLEARLY STATES IN 15 U.S. C 1681a 2 ( A ) ( i ) ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 

( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Please change the above late payments to paid as agreed on my consumer report ; this agency is in violation of 15 USC Failure to respond satisfactorily with changes of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collectors Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2024-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: IL

Complaint narrative:
I am filing a complaint in reference to my Discover Card. During the XXXX XXXX, I had a significant balance due for payment. I was in and out of the hospital after suffering a fractured hip in XXXX. Also ended up in rehab and had XXXX. Yet I arranged the set up of payments for the Discover Card XXXX  balances for over XXXX plus XXXX. I checked with the company for the final balance which was XXXX and paid that total in the early XXXX  of XXXX. 
I received no letters, emails, or phone calls about any outstanding remaining balance due until XXXX, XX/XX/XXXX, over a XXXX  later. I was told XXXX  that the balance was short XXXX and now the amount includes late fees XXXX XXXX ). They claimed that although I was never properly notified I must adhere to there rules and regulations. I complained that I never received ANY NOTIFICATION or PHONE Calls until XXXX. I consider this fraudulent and illegal practices by this company to get more money. I am XXXX XXXX XXXX and being penalized for having paid my bills, and finally paying off what I was told was the balance via automated phone contactXXXX. I paid this new Required Balance and demanded that my credit card be Closed ( XX/XX/XXXX ). I believe that I should never have been charged late fees or late interest rates for the reasons stated above.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXXXXXX 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

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 2024-05-09 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: GA

Complaint narrative:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX 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 XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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: SC

Complaint narrative:
PLEASE delete these accounts listed for inaccuracy from my credit report because the date showing last active is inconsistent. The last date reporting is not consistent with other credit bureaus. 

Account Name : ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) - XXXX Last Date Active : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX - XX/XX/XXXX. 
Last Date Reported : XXXX : XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX - XX/XX/XXXX. 

Account Name : XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX. 
Last Date Active : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX. 
Last Date Reported : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX Account Name : XXXX - XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX 
Last Date Active : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX Last Date Reported : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified 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 2024-05-09 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Equifax Team, My First & Last name are as follows : XXXX XXXX XXXX. 

My XXXX XXXX Address are as follows:XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  After reviewing my credit report, I have found inaccurate names and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations, and I demand, as my lawful right for any names and addresses other than what I have listed above and below be removed immediately as they are not accurate and untrue. 

**Incorrect Names : ** The report includes an incorrect names of : XXXX XXXX Please delete and remove these incorrect names : My First & Last name are as follows : XXXX XXXX XXXX **Incorrect Address : ** The report includes an incorrect address ofXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX The addresses listed above I have not resided in. My Current Street Address are as follows:XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  These names and addresses has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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. 16815-2 ( AX1 ) 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.

I request that you investigate these discrepancies and update my credit report with accurate information as soon as possible. Enclosed are copies of documents verifying my correct name and current address : Please send me a copy of my updated credit report once the corrections have been made. 

I appreciate your prompt attention to this matter, as it is crucial for my financial well-being. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-09 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: CA

Complaint narrative:
I am writing to express my extreme frustration and outrage regarding the presence of a fraudulent account on my credit report, as reported by your bureau. This account, referenced as XXXX, is blatantly fraudulent and has been acknowledged as such by the associated company, which has already taken steps to remove it from their records. Despite my repeated efforts to have this fraudulent account removed from my credit report, your bureau has failed to take action. This is unacceptable and has had a detrimental impact on my credit score and financial standing. It is important to note that the other major credit bureaus, namely XXXX and XXXX, have promptly removed this fraudulent account from their records after verifying its fraudulent nature. The fact that your bureau has not followed suit is deeply concerning and reflects poorly on your commitment to fair and accurate reporting. I want you to remove this account from my report : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
XXXX contacted me stating they were collecting on a bounced check from XXXX. This was supposedly from XXXX. My first question was why they took XXXX years to address this, if it was true. They said, they brought the case/my debt from XXXX, and I technically owe them now. 

I had made a purchase from XXXX in the time frame they stated but it cleared. I obtained records from my bank then went to XXXX. XXXX had never heard of this company. I talked to several people all the way to corporate and they had never heard of the company. They suggested it was a scam. Once they said that it did dawn on me how fast talking XXXX was and didnt let me get a word in. I ask XXXX to send me records. I only provided my email address. If they had a copy of the check they would have my address. And, I didnt want to provide any information. I never got anything from them and didnt hear from them for weeks. They called again today. I had no intention of answering their calls but the number was different. I told the representative that I spoke to XXXX and they had never heard of XXXX and that isnt who they use for collection matters. The representative started yelling at me, told me I was a liar, theyd see me in court, and would go after me to the fullest. 

I am concerned about the aggressiveness and meanest of this company. After talking to several representatives from XXXX, whom had never heard of this company, they too suggested it was scam. I was wise enough to investigate, but others may not be. Even still, they were very threatening to me. I feel unsafe because of their threats, and dont know what other information they have obtained about me. This is not OK. How do I protect myself and others from their threats and scamming attempts to get money? Others will pay them out of fear. Even thought I researched this thoroughly, including the company they claim originated this complaint, they were very nasty and threatening to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: KY

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-09 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here are the items I am asking you to verify as accurate : Subject : Formal Dispute of Inaccuracies on My Credit Report I am writing to formally dispute several inaccuracies that I recently discovered upon reviewing my credit report. These discrepancies are significantly impacting my ability to access credit facilities. As per my understanding of your procedures, I request that you thoroughly investigate these items to ensure their accuracy. 

Below, I have listed the specific items that I am urging you to verify for accuracy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I appreciate your prompt attention to this matter and your commitment to maintaining the accuracy of credit reports. Please inform me of the results of your investigation once it is completed. 

I would like for the items to be investigated and corrected

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 2024-05-09 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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