vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
Account # XXXX ic system was opened XX/XX/year>. This account is reporting as collection on my account. This is not my account and I have filed for identity theft. Reference # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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:
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. XXXX XXXX XXXX XXXX Account : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 non-monetary relief
Consumer complaint received 2024-08-08 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: CA

Complaint narrative:
My account with XXXX XXXXwas never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

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! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 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: FL

Complaint narrative:
Please note that this is my THIRD WRITTEN REQUEST. I have contacted the CREDITORS BELOW and they have no proof that I initiated such inquiries, no written authorization, and have provided no permissible purpose. Since they have no authorization from me, either written or verbal, THIS IS A VIOLATION UNDER FCRA Section 609 ( a ) ( 1 ) ( A ). You are required by federal law to verify ( by physically verifying the original signed consumer contract ) each and every INQUIRY you list on a credit report. Otherwise, anyone who pays for your reporting services could fax, mail, or email a fraudulent account. 
The unverified items listed below remain on my credit report in violation of Federal Law. The FCRA requires you to have a copy of the original documentation from creditors on file to verify that this information is mine and correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly. '' Who verified these accounts? You have not provided me with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature ) and under Section 611 ( 5 ) ( A ) of the FCRAyou are required to " immediately DELETE all information that can not be verified. '' Please note that a physical letter was also sent regarding this matter, and I have not yet received a response.

The following inquiries are not authorized : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 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: MA

Complaint narrative:
WHILE CONDUCTING SOME RESEARCH INTO MY BACKGROUND FOR MY SECRET CLEARANCE APPLICATION AND ALSO CHECKING INTO POTENTIALLY BUYING A HOME IN THE NEAR FUTURE I LEARNED OF SEVERAL UNAUTHORIZED INQUIRIES AND SOME INQUIRIES THAT WERE WRONGFULLY HARD QUERIES. ATTACHED IS A PDF WITH LISTING I'VE CREATED TO INFORM THE CFPB OF INCIDENTS, DATES AND COMPANIES... 

XX/XX/year> XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX GUARANTEED RATE I. 
Not Authorized : Phone App .... 

XX/XX/year> XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX GUARANTEED RATE I Not Authorized : Phone App ..... 

XX/XX/year> XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX Not Authorized : soft inquiry was supposed to be conducted ..... 

XX/XX/year> XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX  Not Authorized : soft inquiry was supposed to be conducted ......

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

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you mv identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to express my continued disagreement with the following accounts, which still appear on my credit report despite your recent investigations. These inaccuracies are causing significant harm to my credit score : - 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 In accordance with the Fair Credit Reporting Act, Public Law 91-506 Title VI Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the information for the above accounts, so I may follow up directly. Additionally, please send me an updated copy of my credit report after your reinvestigation.

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

Complaint narrative:
Transunion is currently reporting the following companies tradelines on my consumer report that is passed the South Carolina Debt Collection 3 year Statute limitation for collecting on credit cards debts. XXXX XXXX  opened XX/XX/XXXX - last payment XX/XX/XXXX - Charge Off XXXX XXXX opened XX/XX/XXXX - last payment XX/XX/XXXX - charge off XXXX XXXX XXXX - closed account - opened XX/XX/XXXX - I have done business with them and did not give them permission to be on consumer 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 2024-08-08 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: LA

Complaint narrative:
I am a victim of human trafficking of XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation
State: FL

Complaint narrative:
I received recently a collection notice from a bill from XXXXXXXX XXXX  that I did not received, it was not disclosed to me regarding any charge, and now they have even referred me to collections with no warning, nothin. 
Account is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
3rd Party debt collector continues to harass me in an attempt to collect a debt I do not owe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
A fraudulent charge of {$400.00} was posted to my credit card account on XX/XX/year> for a travel purchase neither myself nor my authorized cardholders madeXXXX XXXX I informed the credit card company immediately and opened a dispute for the transaction, and they issued a credit for {$400.00} and promptly cancelled the card number that was used for this fraudulent transaction, card ending in XXXXXXXX XXXX On XX/XX/XXXX, the charge of {$400.00} was REBILLED to my credit card account because the merchant provided documentation related to the transaction. XXXX Each page ( Pages 1-7 ) of the documentation provided by the merchant is attached to this complaint.XXXX Additionally, my credit card company included a letter explaining the merchant documentation as the reason they have closed the dispute and rebilled my account.<br> I have signed the statement on the letter confirming and attesting that this transaction was not made or authorized by me or my authorized cardholders and faxed the signed copy back to my credit card companyXXXX Furthermore, on page 2 of the merchant documentation, the email address " XXXX '' is not my email and the billing address is not provided and only a 5-digit zipcode is providedXXXX  The customer names provided on the reservation ( page 6 ) of the merchant documentation is not my name or any person ( s ) I know.<br> Finally, the contact info under my name on page XXXX is not my phone number or my email.XXXXI have NEVER conducted business with XXXX XXXX XXXX at XXXX XXXX XXXX All of this is supporting evidence that my credit card account was used fraudulently.<br> I believe that the merchant 's only recourse is to contact XXXX and ultimately, FareHarbor.com is responsible for allowing the fraudulent online booking to go through.

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 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX Balanced {$5500.00} XXXX XXXX XXXX XXXX Balanced {$32000.00} XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have XXXX  business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more.

XXXX XXXX Balance : {$5200.00} XXXX  XXXX XXXX Balance : {$2600.00} XXXX  XXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XX/XX/year>

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

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have XXXX  business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more.

XXXX XXXX Balance : {$5200.00} XXXX  XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX  XXXX Balance : {$1600.00} XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I completed a Navient Private Loan School Misconduct Discharge application on XX/XX/year>. Today, XX/XX/year>, I received an email that my discharge application was denied. The reason for denial was extremely vague & does not actually answer for why it was denied. I am a Veteran & I XXXX a fradulent school, XXXX, where my federal loans were discharged because of the fraud of the school. This is unacceptable. I need Navient to provide me a valid reason ( there isn't one ) for my application was denied. And I need to be given a chance to appeal this incorrect decision. 

The reason Navient gave me for my denial : Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I called Capital One on XX/XX/XXXX to reduce or remove {$39.00} late fee and {$5.00} in interest charges. Captial One confirms they recieved the payment in full but a day late. The fee is Capital One issue for not sending a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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'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 XXXX 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 explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: 2288984 Ontario Inc.
State: NJ

Complaint narrative:
This is a new complaint against the same company, Money Key that was just recently filed on XX/XX/XXXX. In that complaint, this company ran my personal credit report on a soft pull ( 6 ) times on one day, XX/XX/XXXX ( see attached credit report ). This company is known as XXXXXXXX but has different address on soft credit pulll, see attached but the phone number is identical to if called, comes back to Money Key. ( See attached information from XXXX search with same phone number ) After calling this company on XX/XX/XXXX @ XXXXXXXX XXXX Est as in prior, and presently under investigation report with you, case # XXXX. I informed there so-called supervisor of my concerns of pulling my credit report in a soft pull SIX ( 6 ) times in one day, XX/XX/XXXX I also reiterated to this manager of Money Key to remove all information of me from there servers, do not run a soft inquiry again of my credit report and do not contact me again in any way including but not limited to email, written or electronic communication. I then filed the said report with your agency on XX/XX/XXXX against this company, Money Key. Today, on three separate occasions, one at XXXX XXXX EST, another @ XXXX XXXX EST and again @ XXXXXXXX XXXX  for the 3rd time EST. ( see attached call records from my cell phone that this company called at extreme late evening hours of the morning of XX/XX/XXXX. This happened after I just called this company the day before to cease and desist then filed the complaint with the your department which the case # I provided is still pending. This is now harassment, intimidation and abuse of my phone and of me. As a retired law enforcement official, both state and federal, this harassment is taken seriously and this continued harassment of 1st running my credit report on a soft pull 6 six times in one day, then calling and speaking with a manager of this company, Money Key to verbally communicate my desire to stop contacting, running my credit and to have no further contact with me to just ignore my request thats documented in prior complaint pending with pics of call log and credit pulls, now daringly calls my personal cell phone at late hours of the night is completely unacceptable, harassing and violating my rights to privacy. Im also registered on the national do not call list since XX/XX/XXXX and I advise this manager of Money Key of such during my call on XX/XX/XXXX but apparently, decided to ignore my request. This complaint is the 2nd complaint in two days in a row of this company

Company response to consumer: Closed with explanation