vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 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: MD

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, XXXX XXXX account XXXX XX/XX/XXXX, XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX account XXXX XX/XX/XXXX, XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXX  account XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm reporting XXXX inquiries that do not belong to me showing on my credit report with Transunion. I have never given my consent for them to be showing 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 explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I did not authorize these companies to have access to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I did not authorize these companies to have access to my credit.

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 2024-11-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Momnt Technologies, Inc.
State: GA

Complaint narrative:
My husband and I signed up to purchase windows from XXXX XXXX XXXX in XXXX  XXXX. We used the financial lender they were assigned with to finance the product which is Momnt. The window company went out of business before we received any services or product. The financial institution Momnt did an investigation and it took a year and a half to do. Once their investigation was over they came back stating we still owe the loan although we received no product or services from the merchant. Momnt the lender gave the funds to the merchant and not to me the consumer. How is it fair that we still owe on a loan and received no product? I have provided contracts and pictures to show we never recieved new windows.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 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 of 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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I did not authorize these companies to have access to my credit.

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 2024-11-25 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:
please update/validate these item that i request to from the past months and still reporting on wrong on my report, i already comply all the needed detail

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: NC

Complaint narrative:
please update/validate these item that i request to from the past months and still reporting on wrong on my report, i already comply all the needed detail

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Experian lowered my credit score XXXX XXXX points. The company claimed it was because XXXX XXXX reported my credit was maxed out or overdue the limit. I contacted XXXX XXXX and I was advised that the information was NOT true. I filed a dispute with Experian and got the results as been in good standing with XXXX  XXXX. Experian still has not raised my score XXXX XXXX points that they originally lowered due to their false 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 2024-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
RE : Citibank Credit Availability Issue Citi AAdvantage XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$14000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Last payment made on XX/XX/XXXX and was withdrawn on XX/XX/XXXX {$12000.00} Timeline : XX/XX/XXXX : Discussion with Supervisor XXXX XX/XX/XXXX : Discussion with Representative XXXX Current Status : Citibank is withholding access to {$13000.00} in available credit despite payments being cleared by the originating bank. 

Impact : Card transactions are being declined Pre-authorized purchases can not be processed Unable to earn XXXX XXXX XXXX  miles and status benefits Annual fee of {$590.00} being charged while card benefits are inaccessible The credit restriction has been implemented without provided justification and persists after payment clearance. 

For excellent payment history with XXXX have another credit card to reference payment history with them.

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 2024-11-25 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-11-25 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: MI

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please remove inaccurate personal information reporting on my behalf

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 2024-11-25 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: TX

Complaint narrative:
This account was charged off on the following date : XX/XX/year> Since then the account has repeatedly been updated as charged off every month. As well as a repossession on the following date : XXXX and XX/XX/year> and has since been a double repossession This is an update in the payment history. 
A charged off account should not include and active payment history. This inaccurate information falsely manipulates the statute of limitations you failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights! 
I am demanding a deletion of the following account : XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: TX

Complaint narrative:
This account was charged off on the following date : XX/XX/year> Since then the account has repeatedly been updated as charged off every month. As well as a repossession on the following date : XXXX and XX/XX/year> and has since been a double repossession This is an update in the payment history. 
A charged off account should not include and active payment history. This inaccurate information falsely manipulates the statute of limitations you failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights! 
I am demanding a deletion of the following account : XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UPGRADE, INC.
State: IL

Complaint narrative:
I put in a dispute regarding non dispense from an ATM. Immediately after i put in the dispute, XXXX suspended my account. My account was given an provisional credit after they suspended my account. XXXX is not giving me access to these funds despite me emailing them and telling them about Regulation E which states when a provisional credit is given, the consumer shall have full access to those funds. XXXX responded with the same outcome. They will not allow me to access the funds in my account concerning only provisional credit funds. I even have a letter from XXXX telling me I will have full access to the funds provisionally credited to my account immediately. In reality they will not allow me to access my account period including the provisional credit in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: NJ

Complaint narrative:
I previosly asked for the removal of this account number- XXXXXXXX XXXX XXXXXXXX XXXX. I attached this debt to my tax return on my schedule-d and they are still coming after me for a debt. By law under the FDCPA. This company has to cease collecting or I will be forced to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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:
I'm writing about these accounts. I'm very affected by that on my credit record. My credit record shows these accounts because I was a victim of identity theft. These accounts are harming me because they are not mine and I shouldn't be responsible for something opened without my knowledge.

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 2024-11-25 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: FL

Complaint narrative:
I'm writing about these accounts. I'm very affected by that on my credit record. My credit record shows these accounts because I was a victim of identity theft. These accounts are harming me because they are not mine and I shouldn't be responsible for something opened without my knowledge.

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 2024-11-25 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: MI

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
GM Financial did not apply my last payment of the loan on the day I paid which was the due date. 
They were working on closing out the account to request Title from other department " first '' then applied my payment which was 2 days later. 
There system of processing is not my fault, I paid on my regular DUE DATE and should not be penalized on my credit report. I also should be given my points back on my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I've submitted disputes to XXXX, Equifax, and XXXX regarding inaccurate information on my credit report. I provided details of the accounts and highlighted the violations. It's been over 30 days without a response. Attached are copies of all the letters sent. 

This company has violated FCRA Section 623 ( a ) ( b ) by failing to mark the account as disputed. Additionally, they have violated FCRA Section 605 ( c ) by incorrectly reporting the date of last activity instead of the last payment date. They also continue to fail to validate the collection account, violating FDCPA Section 809 ( b ) according to FTC guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted disputes to XXXX, Equifax, and XXXX regarding inaccurate information on my credit report. I listed the accounts and explained the violations. Over 30 days have passed, and they have not responded. Copies of the dispute letters are attached. 

This company violated FCRA 623 ( a ) ( b ) by failing to mark the disputed account as such.

FCRA 605 ( c ) was also violated, as the date of last activity is incorrect and should reflect the last payment date.

Additionally, this company has repeatedly failed to validate this collection account, further violating FDCPA 809 ( b ), as outlined in FTC guidance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
The hospital never informed me I was eligible for financial assistance and now its too late. I have no income and can not offer any payments. I have been harassed by this collector and would like it removed from my credit report, per 15 USC 1692c ( c )

Company response to consumer: Closed with explanation