vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Have tried multiple attempts to downgrade/cancel my membership with freecreditreport.com aka Experian and am unable to do so. I can update/manipulate anything on my account online but when I try to cancel or downgrade my membership it's a perpetual circle. I can not cancel online, I can not cancel when logging in from my phone and I can not get anyone on the phone. This appears to be a deliberate and deceptive trade practice so the consumer will give up and continue to let them bill. I will pursue a stop payment on my credit card since it will not allow me to delete my payment method on their site. Given their history of deceptive business practices I would imagine this is a widespread problem affecting their entire customer base and they should be fined and the business practice eliminated.

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 2024-08-19 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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 accounts was 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 to be removed/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.

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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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: NY

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: CA

Complaint narrative:
My accounts was 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 to be removed/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.

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!

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 2024-08-19 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: NV

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from 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 2024-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint because my credit reports show several unauthorized inquiries that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken. 

XXXX Unauthorized Inquiries Listed below are the Inquiries that are being challenged INQUIRY - XXXX - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Unauthorized Inquiries Listed below are the Inquiries that are being challenged INQUIRY - XXXX - XXXX INQUIRY - XXXX  XXXX XXXX  - XXXX INQUIRY - XXXX  XXXX XXXX - XXXX INQUIRY - XXXX XXXX - XXXX INQUIRY - XXXX  XXXX XXXX - XXXX INQUIRY - XXXX  XXXX  - XXXX INQUIRY - XXXX XXXX XXXX  XXXX - XXXX INQUIRY - XXXX  - XXXX INQUIRY - XXXX XXXX  - XXXX INQUIRY - XXXX  XXXX  - XXXX INQUIRY - XXXX  XXXX XXXX  XXXX - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer - XXXX XXXX XXXX Transunion Unauthorized Inquiries Listed below are the Inquiries that are being challenged INQUIRY - XXXX  - XXXX INQUIRY - XXXX  XXXX - XXXX INQUIRY - XXXX  - XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX  XXXX  - XXXX INQUIRY - XXXX - XXXX Employer - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2024-08-19 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: NY

Complaint narrative:
These inquiries were not authorized by me and I did not communicate with this under the specified date

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 2024-08-19 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: FL

Complaint narrative:
I am writing to formally dispute the incorrect information currently being reported on my credit report. Specifically, the balances for two of my accounts are inaccurately reported. 

XXXX XXXX  : My current balance is {$75.00}. However, your report shows a higher balance. 
XXXX XXXX : My current balance is {$0.00}. However, your report shows a higher balance. 
I have contacted both XXXX XXXX  and XXXX XXXX to update my credit report with the accurate balances, but the reports have not been corrected. As a result, I am submitting this dispute through the Consumer Financial Protection Bureau ( CFPB ) to ensure that my credit report reflects the accurate and up-to-date information. 

Attached, you will find a letter from XXXX XXXX  confirming my current balance of {$75.00}, and a letter from XXXX XXXX confirming my current balance of {$0.00}.

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 2024-08-19 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: NY

Complaint narrative:
I recently obtained a copy of my credit report and I have a collection on there from an account I don't recognize. I am asking Transunion to look into this and investigate how this information landed on my credit report because this is not a creditor of mine. I have filled out an Identity Theft Affidavit stating and sent it to TransUnion but they have not responded.

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 2024-08-19 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: NY

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-08-19 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: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
In according with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: PA

Complaint narrative:
I am writing to formally file a complaint against the credit reporting agencies XXXX, Equifax, and XXXX for their failure to properly reinvestigate disputes that I submitted regarding inaccuracies on my credit report. Including inaccurate variations of my name and address they I never submitted. I have asked on several occasions to correct my legal name and correct address. There is an address that associates with fraudulent accounts that I never lived at. 
The credit reporting agencies have failed to conduct a thorough and complete reinvestigation as required under the Fair Credit Reporting Act ( FCRA ). The disputed items continue to remain on my credit report without any meaningful or corrective action taken, causing ongoing harm to my credit profile. 
I have made several attempts to resolve these issues directly with the credit reporting agencies, but they have either ignored or inadequately addressed my disputes. Their lack of proper investigation and response has resulted in incorrect information continuing to be reported, causing significant financial stress and impacting my ability to obtain credit. 
I am requesting that the Consumer Financial Protection Bureau take immediate action to ensure that XXXX, Equifax, and XXXX conduct a proper reinvestigation of my disputes, in compliance with the FCRA, and correct any inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: PA

Complaint narrative:
I am writing to formally file a complaint against the credit reporting agencies XXXX, XXXX, and Experian for their failure to properly reinvestigate disputes that I submitted regarding inaccuracies on my credit report. Including inaccurate variations of my name and address they I never submitted. I have asked on several occasions to correct my legal name and correct address. There is an address that associates with fraudulent accounts that I never lived at. 
The credit reporting agencies have failed to conduct a thorough and complete reinvestigation as required under the Fair Credit Reporting Act ( FCRA ). The disputed items continue to remain on my credit report without any meaningful or corrective action taken, causing ongoing harm to my credit profile. 
I have made several attempts to resolve these issues directly with the credit reporting agencies, but they have either ignored or inadequately addressed my disputes. Their lack of proper investigation and response has resulted in incorrect information continuing to be reported, causing significant financial stress and impacting my ability to obtain credit. 
I am requesting that the Consumer Financial Protection Bureau take immediate action to ensure that XXXX, XXXX, and Experian conduct a proper reinvestigation of my disputes, in compliance with the FCRA, and correct any inaccurate information.

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am demanding this to be removed immediately XXXX  XXXX XXXX. It's not fair that I have to continue to have false information with criminal people that TransUnion LLC knows is criminal and capable of murder and information is not correct it continues to report and present information that is not correct. And I'm demanding it be removed now like I said before the end of the year of petition will be filed and I'm asking for XXXX  of dollars for damages that y'all are responsible for causing and conspiracy to commit murder, aiding and abetting, and participating in crimes perpetrated against me which is illegal.

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 2024-08-19 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: PA

Complaint narrative:
I have disputed this with XXXX credit reporting agency over and over again and they refuse to comply.I asked XXXX to simply remove all internal blocks and security freezes from my credit report and they have recently sent me another letter stating, PLEASE BE ADVISED THAT THERE IS NO NO BLOCK REPORTING ON YOUR XXXX CREDIT FILE. PLEASE BE ADVISED THAT THERE IS NO FRAUD ALERT REPORTING ON YOUR XXXX CREDIT FILE. PLEASE BE ADVISED THAT THERE IS NOT AN ACTIVE SECURITY FREEZE REPORTING ON YOUR XXXX CREDIT FILE. I will be providing photo evidence that there is a internal block, security freeze, or something else XXXX is doing to prevent me from viewing my credit report or disputing inaccurate information on my credit report/profile.

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 2024-08-19 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: FL

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 2024-08-19 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: CA

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on 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 2024-08-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: MD

Complaint narrative:
There is a collection my credit for {$140.00} i do not owe this company this amount of currency. i filed a dispute with the different credit bureaus and there was not anything beside them asking XXXX to look at the collection again. I discontinued my service but they were trying to charge me for the equipment. I told there representative that I would go into an XXXX location and drop it which i did at XXXX XXXX XXXX XXXX  XXXX MD XXXX. They do not give you a receipt they just told it would be logged in there system so if they did not do there due diligence of ensuring this equipment was logged and reported that is not on me. 
Also per the FCRA 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. [ 1 ] Together with the Fair Debt Collection Practices Act ( FDCPA ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, [ 2 ] and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau, and private litigants.

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 2024-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
Subject : Urgent : Unauthorized Transaction of {$4900.00} on XX/XX/2024, XX/XX/2024 XXXX XXXX XXXX. 

Dear RobinHood Customer Support, I hope this message finds you well. I am writing to formally report an unauthorized transaction of {$4900.00} from my XXXX XXXX bank account that occurred on XX/XX/2024. This transaction was not made by me, as my phone was stolen on the same day, making it impossible for me to have authorized or conducted this transaction. 

I immediately contacted RobinHood Customer Service upon discovering the fraudulent unauthorized transaction and reported the theft of my phone. Despite this, I have not received a resolution, and the amount has not been refunded to my account. 

Given the circumstances, I request that RobinHood promptly investigates this matter and processes a refund for the unauthorized transaction. Additionally, I would appreciate any updates on the status of the investigation and the steps being taken to secure my account from further fraudulent activity. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution. 

Best regards,

Company response to consumer: Closed with explanation