vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I had satellite tv service through XXXX XXXX XXXX XXXX condo I owned. 

I sold my condo and notified XXXX of the date of my move out. Several weeks later, they sent me a bill claiming that I owed them over {$500.00}. When I contacted them to dispute the amount and remind them of the cancellation of service, they claimed that I never notified them to turn off service after I sold the condo, which was a complete lie. By then, the new owner had been living in the condo for weeks and signed up with XXXX  as they are the only satellite provide for the area. 

I told XXXX that this was their error for not stopping the service when I asked and that they were now trying to improperly force me to pay for the service being used by the new owner. They would not admit fault and we could not reach an agreement. That was last year. I never heard from them again until a collection agency but the debt on my credit report yesterday with no notice. My score dropped over XXXX points because of this erroneous information! This is highly improper and unfair as I told them long ago that they were wrong about this debt. Companies should not be permitted to ruin your credit over a disputed and inaccurate debt with no notice.

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 2024-08-30 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXXXXXX has violated my rights 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 does not furnish an account without my written instructions

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 2024-08-30 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: EQUIFAX, INC.
State: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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: AZ

Complaint narrative:
Equifax is reporting XXXX unauthorized Hard Inquiries to my Credit Report. 
All Inquiries dated from XX/XX/XXXX thru XXXX XXXX XXXX are unauthorized and therefore, should be deleted as soon as possible. 
Any assistance and / or direction regarding this matter would/ is definitely so much appreciated!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information on Credit Report Due to Identity Theft To Whom It May Concern, I am writing to dispute certain inaccurate information that appears on my credit report. The information listed below is the result of identity theft, and I request that it be removed under the guidelines of 15 U.S. Code 1681c-2, which provides for the blocking of information resulting from identity theft. 

Disputed Information : Account Name : XXXX XXXX  Type of Information : [ e.g., fraudulent account, incorrect charges ] Date of First Reported Fraud : XXXX Amount : {$3500.00} According to 15 U.S. Code 1681c-2, upon receipt of an identity theft report from the consumer, credit reporting agencies are required to block the reporting of information that is identified as being a result of identity theft within four business days. I am requesting that you immediately block and remove the above-listed information from my credit report and cease reporting this information to other parties. 

Enclosed, please find copies of the following documents to support my claim : A copy of my identity theft report. 
A copy of my driver 's license or other government-issued identification to verify my identity. 

Please investigate this matter and remove the fraudulent information from my credit report as soon as possible. I would appreciate a confirmation of receipt of this letter, as well as notification when the information has been removed. In addition, please provide me with a free copy of my updated credit report reflecting these changes. 

Thank you for your prompt attention to this matter. Should you need any further information or documentation, please do not hesitate to contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANKMOBILE TECHNOLOGIES, INC
State: MO

Complaint narrative:
I paid for a service & good that never made it to my destination! & I was denied of a refund which I think is insane since Im the consumer whos been scammed out of {$420.00}

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 2024-08-30 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: TX

Complaint narrative:
These inquiries and creditors are not related to me in any way.

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 2024-08-30 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: CA

Complaint narrative:
I am deeply frustrated, I do not know why you keep reporting this inaccurate information on my credit, this has been already deleted by XXXX and XXXX. These lapses on your end are seriously holding back my financial freedom. Every time I apply for new credit, I get denied because of these errors. It is so disheartening that my rights as a consumer is being violated in this manner.

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 2024-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

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 2024-08-30 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: MI

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XX/XX/2024 Experian XXXX XXXX XXXX XXXX, Tx XXXX Subject : Dispute of Inaccurate Information on Credit Report Due to Identity Theft To Whom It May Concern, I am writing to dispute certain inaccurate information that appears on my credit report. The information listed below is the result of identity theft, and I request that it be removed under the guidelines of 15 U.S. Code 1681c-2, which provides for the blocking of information resulting from identity theft. 

Disputed Information : Account Name : XXXXXXXX XXXX Type of Information : [ e.g., fraudulent account, incorrect charges ] Date of First Reported Fraud : XXXX Amount : {$3500.00} According to 15 U.S. Code 1681c-2, upon receipt of an identity theft report from the consumer, credit reporting agencies are required to block the reporting of information that is identified as being a result of identity theft within four business days. I am requesting that you immediately block and remove the above-listed information from my credit report and cease reporting this information to other parties. 

Enclosed, please find copies of the following documents to support my claim : A copy of my identity theft report. 
A copy of my driver 's license or other government-issued identification to verify my identity. 

Please investigate this matter and remove the fraudulent information from my credit report as soon as possible. I would appreciate a confirmation of receipt of this letter, as well as notification when the information has been removed. In addition, please provide me with a free copy of my updated credit report reflecting these changes. 

Thank you for your prompt attention to this matter. Should you need any further information or documentation, please do not hesitate to contact me. 

Sincerely, 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 explanation
Consumer complaint received 2024-08-30 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: IN

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions

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 2024-08-31 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: TX

Complaint narrative:
I am filing this complaint against Experian for failing to investigate a dispute I submitted regarding inaccuracies on my credit report. 

On XXXX XXXX, I mailed a formal dispute letter to Experian, clearly outlining several inaccuracies on my credit report that needed correction. I provided all necessary documentation and followed the appropriate procedures for submitting my dispute via mail. 

However, instead of investigating the dispute, Experian responded with a stall tactic, claiming that they do not believe I sent the letter and therefore will not proceed with the investigation. This response is both unreasonable and unjustified, as I have proof that my dispute was sent and received by Experian. 

Experians refusal to investigate my dispute is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to investigate disputes within 30 days of receiving them. This has caused unnecessary delays in correcting the inaccuracies on my credit report, potentially affecting my creditworthiness and financial standing.

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 2024-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I called TransUnion on XX/XX/year>, to file a dispute. I dialed ( XXXX ) XXXX. I had to wait an hour for an agent to call back. Soon as l answered the phone, the agent disconnected the phone. I received the inbound call exactly at XXXX XXXX  XXXX. This is known as call-avoidance and is unacceptable. I seek to hold TransUnion accountable. Please sanction TransUnion.

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The Transunion website does not work when trying to freeze or unfreeze credit. It continually gives an error, " Sorry, we're having trouble showing the status of your credit freeze right now ''.

It is not practical to call or chat with them. Such requests as often urgent and time dependent, so it's critical credit reporting agencies remain complaint with federal law requiring this option at all times. The other 2 agencies don't have this issue.

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 2024-08-30 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: NY

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 non-monetary relief
Consumer complaint received 2024-08-30 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: FL

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX To Whom It May Concern : This is my second time writing to you to update my personal information. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX, Florida XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX 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 2024-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I have been discriminated against for exercising in good faith my rights under the Consumer Credit Protection Act.

I am the victim of false and misleading denial of my own credit.

I would like a listing all of the factors involved in this consumer transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX XXXX XXXX XXXX XXXX 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