vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is NOT a duplicate report and this is not filed by a 3rd party or XXXX XXXX XXXX. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

XXXX XXXX Child Support Account # : XXXX XXXX XXXX Child Support Account # : XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. 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
Consumer complaint received 2024-06-05 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: CT

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-06-05 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: NC

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

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 explanation
Consumer complaint received 2024-06-05 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: IL

Complaint narrative:
I am submitting a complaint against Experian for reporting fraudulent accounts on my personal credit report after being informed multiple times the accounts are result of fraud. I have provided them with a XXXX Police Department police report, as well as an FTC identity theft affidavit pursuant to the FCRA. 

After each dispute I have completed with Experian, they proceed to send me a letter that states, " the disputed items can not not be blocked due to not providing all pages of an identity theft report '' ( see this letter attached. ) I have provided ALL pages of my police report and identity theft report every dispute however they continue to send me this letter. It is very clear to me that Experian is trying to use stall tactics to complicate the resolution process ; which is very disturbing because I am sure they are aware of the crucial role they play in consumers qualifying for credit, loans and even employment, such as in my case. 

Experian continues to willfully and knowingly violate my consumer rights and have caused me a great deal of undue emotional and financial distress. I was denied an XXXX loan to repair flood damage that occurred in my home due to a storm in my area, I also as denied a promotion with my employer recently due to these errors which infuriates me. I have disputed these fraudulent items since XXXX, XXXX via mail and online. Each dispute resulted with me receiving a letter stating the above mentioned statement from Experian. 

I am stressed and exhausted to the max dealing with Experian. I have submitted an Attorney General complaint in each state Experian has an headquarters, California and Illinois today, as well as this CFPB complaint. I have also escalated my concerns to the the XXXX XXXX XXXX and his executive team by email. Taking this steps will be my last and final attempt to amicable resolve this matter. If it is not resolved promptly I will pursue legal action against Experian for violating my consumer rights and causing me a great deal of emotional and financial distress.

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 2024-06-05 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: TX

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
Chase closed my account due to fraud but I had XXXXXXXX XXXX  that they owe me and won't send me because they can't verify it. It's my money and I need it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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've noticed unfamiliar items on my credit report, suggesting potential identity theft as I haven't authorized these accounts. I've previously raised this concern, and now I urgently request the removal of these accounts from my report. Their presence is causing significant stress as they do not accurately reflect my financial history or management. Addressing this issue has been challenging, and if a resolution isn't reached, I'm prepared to seek legal recourse to safeguard my rights and resolve the matter. These inaccuracies are hindering my ability to achieve crucial financial milestones such as homeownership and providing for my family. I earnestly hope for a prompt resolution to 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 explanation
Consumer complaint received 2024-06-05 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: NJ

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 explanation
Consumer complaint received 2024-06-05 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: NH

Complaint narrative:
I was set up in a payment plan with XXXX. These payments were schedule for one year in advance. At the end of the first year, we thought we were setting up the next year. Turns out there was a payment gap. When this was set up again, no one from XXXX  informed us that there was a gap and past due amount at the time. Nothing reflected this in the conversation or online. We set up a new annual payment plan which has been coming out for the last 10 months. Same payment and same date every month. XXXX failed to notify us of this and continued to report the payment 60 days late since XXXX of XXXX. I did not find this out from XXXX, but from the credit bureau. XXXX refuses to show what correspondce they have sent to try to notify me of the error. They never reached out via phone or email with the payment being missed or with any statements. They are refusing to remove the late payments despite me immediately correcting the mistake once I found out. I tried to elevate multiple times and have been hung up on by the company despite my calm demeanor.

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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
I was set up in a payment plan with XXXX. These payments were schedule for one year in advance. At the end of the first year, we thought we were setting up the next year. Turns out there was a payment gap. When this was set up again, no one from XXXX  informed us that there was a gap and past due amount at the time. Nothing reflected this in the conversation or online. We set up a new annual payment plan which has been coming out for the last 10 months. Same payment and same date every month. XXXX failed to notify us of this and continued to report the payment 60 days late since XXXX of XXXX. I did not find this out from XXXX, but from the credit bureau. XXXX refuses to show what correspondce they have sent to try to notify me of the error. They never reached out via phone or email with the payment being missed or with any statements. They are refusing to remove the late payments despite me immediately correcting the mistake once I found out. I tried to elevate multiple times and have been hung up on by the company despite my calm demeanor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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: NH

Complaint narrative:
I was set up in a payment plan with XXXX. These payments were schedule for one year in advance. At the end of the first year, we thought we were setting up the next year. Turns out there was a payment gap. When this was set up again, no one from XXXX informed us that there was a gap and past due amount at the time. Nothing reflected this in the conversation or online. We set up a new annual payment plan which has been coming out for the last 10 months. Same payment and same date every month. XXXX failed to notify us of this and continued to report the payment 60 days late since XXXX of XXXX. I did not find this out from XXXX, but from the credit bureau. XXXX refuses to show what correspondce they have sent to try to notify me of the error. They never reached out via phone or email with the payment being missed or with any statements. They are refusing to remove the late payments despite me immediately correcting the mistake once I found out. I tried to elevate multiple times and have been hung up on by the company despite my calm demeanor.

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 2024-06-05 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: TX

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-05 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:
I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: NC

Complaint narrative:
I had my work checks direct deposited into my XXXX account, and then XXXX froze my account and will not give me access to the money i worked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
SEE ATTACHED DOCUMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: CA

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-06-05 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: GA

Complaint narrative:
My accounts was never late i had exceptional payment with history with XXXX  XXXX and all payments were placed on autopay. this late payment that is reporting is a result on a systematic error processing my payment. 

this was clearly a billing error made by 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!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I started a Closed Corporation in XX/XX/XXXX and closed it XX/XX/XXXX. In XX/XX/XXXX I saw on XXXX that PORTFOLIO RECOVERY ASSOCIATES , LLC, was filing suit against me personally, for XXXX  XXXX, instead of them having my Closed Corporation in the court documents, they had it as an LLC. Which was False and the court documents had a few other False statements. I check with CFPB website and saw that in XXXX of XXXX, CFPB Orders Repeat Offender Portfolio Recovery Associates to Pay More Than {$24.00} XXXX for Continued Illegal Debt Collection Practices and Consumer Reporting Violations. Repeat offender : PORTFOLIO RECOVERY ASSOCIATES , LLC, was at it again. I sent PORTFOLIO RECOVERY ASSOCIATES , LLC, a Cease & Desist LTR-Cap 1 and a copy to the Judge too. I checked on XXXX the day before court and saw that the case was Dismissed by PORTFOLIO RECOVERY ASSOCIATES , LLC and to not contact me again or I would send my information to CFPB. Well they did and wanted me to fill out a Hardship Case. So here I am, on CFPB filing a complaint on PORTFOLIO RECOVERY ASSOCIATES , LLC who is a REPEAT OFFENDER.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: CT

Complaint narrative:
I am writing to file a formal complaint regarding a collection account on my credit report, which I believe violates the provisions outlined in 15 U.S. Code 1692j of the Fair Debt Collection Practices Act ( FDCPA ). Despite my attempts to resolve this matter, the collection agency has failed to provide adequate validation of the debt, and the reported amount does not accurately reflect the original debt, thereby violating my rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: GA

Complaint narrative:
I've sent dispute letter to the credit bureaus in XX/XX/year> asking them to delete address and names that do not belong to me. They have never responded or removed this inaccurate information for my 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 explanation
Consumer complaint received 2024-06-05 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: MD

Complaint narrative:
XXXX XXXX IS REPORTING XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - PAID OFF BUT AN XXXX OF {$1500.00} XXXX. XXXXXXXX XXXX OPENED XX/XX/year> - I HAVE A PROVIDED THEM WITH MY POLICE REPORT SHOWING I WAS A VICTIM OF IDENTITY THEFT AND FRAUD. THEY STILL HAVE NOT REMOVE FROM MY ACCOUNT TRANSUNION BUREAU IS REPORTING XXXX. XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - PD OFF BUT AN AMOUNT OF {$1500.00} XXXX XXXX IS REPORTING XXXX. XXXX XXXX XXXX HITTING MY ACCOUNT BOTH IDENTITY THEFT. WAS REMOVED ONCE AND PUT BACK. ONLY SHOWING XXXX CARD ON XXXX OTHER CREDIT BUREAUS XXXX XXXX XXXXXXXX SHOWS XXXX CARDS ON THIS BUREAU ONLY - IDENTITY THEFT/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 non-monetary relief
Consumer complaint received 2024-06-05 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: MD

Complaint narrative:
XXXX XXXX IS REPORTING XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - PAID OFF BUT AN AMT OF {$1500.00} XXXX. XXXXXXXX XXXX OPENED XX/XX/year> - I HAVE A PROVIDED THEM WITH MY POLICE REPORT SHOWING I WAS A VICTIM OF IDENTITY THEFT AND FRAUD. THEY STILL HAVE NOT REMOVE FROM MY ACCOUNT XXXX XXXX IS REPORTING 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 - PD OFF BUT AN AMOUNT OF {$1500.00} EQUIFAX BUREAU IS REPORTING XXXX. XXXX XXXX XXXX HITTING MY ACCOUNT BOTH IDENTITY THEFT. WAS REMOVED ONCE AND PUT BACK. ONLY SHOWING XXXX XXXX  ON XXXX OTHER CREDIT BUREAUS XXXX XXXX XXXXXXXX SHOWS XXXX CARDS ON THIS BUREAU ONLY - IDENTITY THEFT/FRAUD

Company response to consumer: Closed with explanation