vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-17 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX To whom it may concern, I recently received a copy of my credit reports from all three credit reporting agencies and I noticed some late payments, as well as my utilization posted on my credit report. 

In the United States code, it is not stated that credit utilization nor payment history is included in your consumer report. These are factors of a FICO score, which is independent from your consumer report. 

XXXX XXXX XXXX XXXX XXXX ending in XXXX Late payments ; XXXX XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - current date Your company is in clear violation of the law under 15 USC - 1681B labeled under permissible purpose of consumer reports. The law clearly states : IN GENERAL Subject to section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this account on my credit report? 

Providing I, the consumer solely with a contract does not satisfy the criteria under 15 USC 1692GB. Any and all written instruction must be clear and conspicuous according to United States code. 

Furthermore the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) - Exclusions from a consumer report clearly states : ( 2 ) Exclusions - except as provided in paragraph ( 3 ) the term Consumer Report does not include Subject to section 1681s-3 of this title any ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; This pertains to the reporting of late payments/ payment history as well as my credit utilization.

Refrain from the reporting of any prior and future payment history, as well as utilization from my consumer report, this company is in violation of 15 USC 1681.

I know my rights as a consumer and this information was furnished with complete disregard to those rights.

Failure to respond satisfactorily ; with deletion of the above reference account information, as well as access to a free copy of my report after the changes have been made, via mail will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : defamation of character negligent enablement of identity fraud fair debt collection practices act 15 USC 1692g violations Fair Credit Reporting acts 15 USC 1681 violations for willful non-compliance and 616 civil liability for willful non-compliance Best Regards, XXXX XXXX Enclosed : copy of ID and social security

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: UT

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX 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 2024-06-17 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: UT

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2024-06-17 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 several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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: GA

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of unauthorized inquiries that appear on my credit report, as provided for under the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report from [ Name of Credit Bureau ], I have identified multiple inquiries that I did not authorize or recognize. 

Listed below are the unauthorized inquiries : XXXX. XXXXreditor Name : ** XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX : ** XXXX. **Creditor Name : ** XXXX XXXX XXXX. **Creditor Name : ** XXXX XXXX XXXX XXXXXXXX [ Date ] XXXX. **Creditor Name : ** XXXX XXXX XXXX XXXX XXXX : ** [ Date ] XXXX. **Creditor Name : ** XXXX XXXXXXXX : ** [ Date ] XXXX. XXXXCreditor Name : ** XXXX XXXX XXXX XXXXXXXX : ** [ Date ] I categorically state that I did not apply for credit or authorize inquiries with the above-listed creditors during the specified dates. These unauthorized inquiries are inaccurate and are adversely affecting my credit score.

Under the FCRA, Section 1681b ( c ), and Section 1681i ( a ), I am entitled to dispute and request the removal of inaccurate or unauthorized information from my credit report. This includes unauthorized inquiries that have been improperly listed.

Enclosed are copies of my credit report highlighting the unauthorized inquiries, along with supporting documentation demonstrating that I did not authorize these inquiries.

I demand that [ Name of Credit Bureau ] conduct a thorough investigation into these unauthorized inquiries and promptly remove them from my credit report in accordance with the FCRA. Please provide me with a written response detailing the results of your investigation and confirmation of the inquiries ' removal.

I expect this matter to be resolved expeditiously, as required by law. Failure to comply with FCRA requirements may result in further legal action.

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 2024-06-17 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: GA

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of unauthorized inquiries that appear on my credit report, as provided for under the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report from [ Name of Credit Bureau ], I have identified multiple inquiries that I did not authorize or recognize. 

Listed below are the unauthorized inquiries : 1. **Creditor Name : ** XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX : ** 2. **Creditor Name : ** XXXX XXXX XXXX. **Creditor Name : ** XXXX XXXX XXXX XXXXXXXX [ Date ] XXXX. **Creditor Name : ** XXXX XXXX XXXX XXXX XXXX : ** [ Date ] XXXX. **Creditor Name : ** XXXX XXXX : ** [ Date ] 6. **Creditor Name : *XXXX XXXX XXXX XXXX XXXX : ** [ Date ] I categorically state that I did not apply for credit or authorize inquiries with the above-listed creditors during the specified dates. These unauthorized inquiries are inaccurate and are adversely affecting my credit score.

Under the FCRA, Section 1681b ( c ), and Section 1681i ( a ), I am entitled to dispute and request the removal of inaccurate or unauthorized information from my credit report. This includes unauthorized inquiries that have been improperly listed.

Enclosed are copies of my credit report highlighting the unauthorized inquiries, along with supporting documentation demonstrating that I did not authorize these inquiries.

I demand that [ Name of Credit Bureau ] conduct a thorough investigation into these unauthorized inquiries and promptly remove them from my credit report in accordance with the FCRA. Please provide me with a written response detailing the results of your investigation and confirmation of the inquiries ' removal.

I expect this matter to be resolved expeditiously, as required by law. Failure to comply with FCRA requirements may result in further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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:
Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor XXXX ) XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My family and I went on a weekend getaway to XXXX XXXX. We stayed at XXXX XXXX and on XX/XX/year> while we were there, we were approached by a XXXX XXXX employee about being comped since we were guest. We were told we would be given free tickets of our choosing with additional gambling vouchers and other gifts. We were told we had to sign up for a XXXX hour presentation with XXXX decided to give it a shot and we went to XXXX, XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. We were set up for a XXXX oclock appointment. When we got there, we were asked to fill out information about ourselves, including our name, our annual gross income, our address. We then went through a sales pitch to sell us a time share. We respectfully declined the offer and wanted to get our gifts and continue with our vacation. We had XXXX different sales individuals try to sell us a time share program. They were very pushy and when we told them that we would want more time to make a decision they told us this would be a XXXX time deal. We still declined and after XXXX hours and XXXX minutes of being there we left. The sales representatives were misleading and pressuring us to buy part of their program when we did not want to. They did not want us to leave without agreeing to enroll. We did get XXXX tickets to adventure dome at XXXX XXXX and a {$25.00} voucher at XXXX XXXX, which did not end up working. 
Later that evening, I received an email that I was approved for a XXXX rewards credit card by XXXX. I did not sign up for any credit cards!! They explained during the sales pitch that they would do a credit check on us to see if we qualified for a timeshare. They never told us they would be taking a credit card Application This is fraud. We had no knowledge of applying for a credit card. I dont know the credit card details or anoint I was approved for. Once o get the card I will be calling XXXX and notifying them of the 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 2024-06-17 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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: NC

Complaint narrative:
XX/XX/year> charged XXXX dollar late fee XX/XX/year> charged XXXX dollar late fee

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

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 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 explanation
Consumer complaint received 2024-06-17 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: 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 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
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX clear on this request I'm not asking but informing the credit reporting agencies XXXX, XXXX and TRANSUNION that they are not abiding by laws in place for improperly and inaccurately reporting information to my crefit profileXXXX XX/XX/XXXX I disputed the validity of a late payment with XXXXXXXX XXXX XXXX  mortgage acct XXXX stating I was late on a pament dated XX/XX/year> The XXXX parties above have responded that it was validated by XXXXXXXX XXXX XXXX so at this point I would like to know the ID # ' of persons that contacted creditor and who they spoke with along with contract I originally signed, payment Ledger and what my form of payment was and dates. Also date they spoke with representative from XXXXXXXX XXXX XXXX  if this can't be provided within 15 days I will be requesting this matter to be handled legally ( ADR ) Alternative Dispute Resolution this matter had caused a lot of headache and works against my crefit worthiness.

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX clear on this request I'm not asking but informing the credit reporting agencies EQUIFAX, XXXX and XXXX that they are not abiding by laws in place for improperly and inaccurately reporting information to my crefit profileXXXX XX/XX/XXXX I disputed the validity of a late payment with XXXXXXXX XXXX XXXX mortgage acct XXXX stating I was late on a pament dated XX/XX/year> The XXXX parties above have responded that it was validated by XXXXXXXX XXXX XXXX so at this point I would like to know the ID # ' of persons that contacted creditor and who they spoke with along with contract I originally signed, payment Ledger and what my form of payment was and dates. Also date they spoke with representative from XXXXXXXX XXXX XXXX if this can't be provided within 15 days I will be requesting this matter to be handled legally ( ADR ) Alternative Dispute Resolution this matter had caused a lot of headache and works against my crefit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX clear on this request I'm not asking but informing the credit reporting agencies XXXX, EXPERIAN and XXXX that they are not abiding by laws in place for improperly and inaccurately reporting information to my crefit profileXXXX XX/XX/XXXX I disputed the validity of a late payment with XXXXXXXX XXXX XXXX  mortgage acct XXXX stating I was late on a pament dated XX/XX/year> The XXXX parties above have responded that it was validated by XXXXXXXX XXXX XXXX so at this point I would like to know the ID # ' of persons that contacted creditor and who they spoke with along with contract I originally signed, payment Ledger and what my form of payment was and dates. Also date they spoke with representative from XXXXXXXX XXXX XXXX if this can't be provided within 15 days I will be requesting this matter to be handled legally ( ADR ) Alternative Dispute Resolution this matter had caused a lot of headache and works against my crefit worthiness.

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 2024-06-17 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: NY

Complaint narrative:
I am writing to dispute the incorrect reporting of an account on my credit report. After contacting the relevant company, they confirmed that an error had occurred and assured me over the phone that the account would be promptly updated. 

Your bureau is legally obligated to conduct a reasonable and prompt investigation of disputes, including a review of all relevant information submitted by the consumer. 

XXXX and XXXX have already corrected this inaccuracy on my report, so I request that you take immediate action to update this erroneous account. A written confirmation of its correction would be greatly appreciated. 

XXXXXXXX XXXX XXXXXXXX.

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 2024-06-17 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 am writing to dispute the incorrect reporting of an account on my credit report. After contacting the relevant company, they confirmed that an error had occurred and assured me over the phone that the account would be promptly updated. 

Your bureau is legally obligated to conduct a reasonable and prompt investigation of disputes, including a review of all relevant information submitted by the consumer. 

XXXX and XXXX have already corrected this inaccuracy on my report, so I request that you take immediate action to update this erroneous account. A written confirmation of its correction would be greatly appreciated. 

XXXXXXXX XXXX XXXXXXXX. 

Please delete this from my account. This account has dropped my credit score a lot. Please fix this matter pronto. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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 am writing to dispute the incorrect reporting of an account on my credit report. After contacting the relevant company, they confirmed that an error had occurred and assured me over the phone that the account would be promptly updated. 

Your bureau is legally obligated to conduct a reasonable and prompt investigation of disputes, including a review of all relevant information submitted by the consumer. 

XXXX and XXXX have already corrected this inaccuracy on my report, so I request that you take immediate action to update this erroneous account. A written confirmation of its correction would be greatly appreciated. 

XXXX XXXX XXXXXXXX. 

Please delete this from my account. This account has dropped my credit score a lot. Please fix this matter pronto. Thanks.

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