vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-13 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: MD

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-06-13 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I earnestly request the removal of this item from my credit report as it does not belong to me and is entirely false.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I put in disputes to all three credit bureaus send letter in the mail and he refused to dispute every item that I requested on my credit file. I even asked him to remove old addresses and put in my new address on the credit file, and they refuse to do that. Also also asked them to remove all items and explain the items that are on my credit file is not mine, and I refuse to send me any copies are signed document saying that I signed for particular items that are on my credit file. Also, there's a repo on my credit report that is not mine and I asked them to remove that and I asked him to send me sign documentation showing that I signed for the particular vehicle, and they refuse to send it to me. I also told them to remove names that are on my credit file that are not mine, and they refuse to remove me and that's all three credit bureaus. That's why I am filing this complaint because they're not doing their job adequately and efficiently and leaving things on my credit file and making my credit low

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: CA

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

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 2024-06-13 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I looked at my Equifax credit report on XXXX XXXX and noticed somethings are incomplete and not accurate.And according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC1581i ( 5 ) they are supposed to do this ( 5 ) treatment of inaccurate or unverified information ( A ) In a general-if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete the of the information form the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are not supposed to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXXXXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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 7 years. 15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding LLC is furnishing an account on my credit report that has not been validated by the original creditor. I sent a complaint via XXXX  to XXXX XXXX XXXX XXXX, and they stated that they would mail me correspondence. The paperwork I received did not verify the balance that is being reported by this company, nor did they send me any contract bearing my signature and they did not name LVNV as the owner of this account. Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation. Due to your negligence, I have attached an invoice for the violations. Payment is to be remitted to the address on the invoice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: IL

Complaint narrative:
I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into 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 2024-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
My due date for my payment was XXXX XXXX XXXX, I called to make a payment around XXXX XXXX XXXX XXXX the automated system said my payment would be considered last because it was after XXXX XXXX. I talk to a customer service representative she avise me that there was nothing she could do because I had a late payment in XXXX. So I asked her about how much late fee charges would be ... since the new law got passed that it shouldn't be no more that {$8.00}, she said {$40.00} for the customer that previous had account, that new customers would be {$8.00}. I told her that was not what I had read about the new law on late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-13 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: CA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 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: DC

Complaint narrative:
According to FCRA 605B, we must remove any erroneous accounts from my credit report. Could you look over the documents? Some of the accounts listed are inaccurate regarding reporting, with incorrect amounts and dates.

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 2024-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These hard inquiries are reporting on my credit report and are inaccurate and I am a victim of identify theft from the following companies through Transunion XXXX XXXX XXXX Bank ) XX/XX/2024 XXXX XXXXXXXX ( Bank ) XX/XX/2024 XXXX XXXXXXXX ( Bank ) XX/XX/2024 Auto XXXX XXXX XXXX ( Bank ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXi ( Finance ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX 2024 XXXX XXXX XXXX ( Bank ) XX/XX/2024 XXXX XXXX XXXX ( Finance ) XX/XX/2024 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/202XXXX 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 2024-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Subject : Urgent Request to Rectify Violations of the Fair Credit Reporting Act Dear Sir/Ma, I hope this email finds you well. I am writing to bring your immediate attention to a serious matter regarding my rights under the Fair Credit Reporting Act ( FCRA ). I believe that your current actions are in direct violation of several sections of the FCRA, as outlined below : Violation of 15 U.S.C 1681 section 602 A : The FCRA guarantees my right to privacy, and it is evident that your recent actions have infringed upon this right. Violation of 5 U.S.C 1681 Section 604 A Section 2 : The FCRA clearly states that a consumer reporting agency must not furnish an account without my explicit written instruction. It has come to my attention that this provision has been disregarded. Violation of 15 U.S.C 1666B : The FCRA specifies that a creditor can not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I have evidence indicating that you have incorrectly categorized a payment as late. Given the gravity of these violations, I hereby request your immediate attention and action to rectify this situation. I insist that you promptly remove the late payment and any associated negative reports from my account. Furthermore, I kindly request that you update my account in accordance with the provisions set forth in the FCRA. I trust that you understand the urgency and importance of addressing this matter without delay. Failure to comply with the FCRA may result in legal consequences, and I would prefer to resolve this matter amicably and swiftly. I appreciate your prompt attention to this issue and expect a written response from you confirming the necessary actions taken to remedy the violations mentioned above. I look forward to a favorable resolution and a restored credit profile that reflects my accurate financial standing. Thank you for your immediate attention to this urgent matter. Yours sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 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: PA

Complaint narrative:
I'm writing to express my concerns on a couple issues I've encountered with the credit bureau. False account listings, illegal inquiries, inaccurate credit reporting, inconsistent billing, and accounts that are not mine are some of these issues. 

In order for me to be financially secure, I need assistance in solving these issues.

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 2024-06-13 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: NC

Complaint narrative:
Correction to my credit report, I demand this account be removed from my credit report from XXXX with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and 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 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: FL

Complaint narrative:
Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report.

I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report.

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/ Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future.

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report.

I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report.

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future.

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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 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 2024-06-13 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: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I am a victim of identity theft. I have no connection or knowledge of the said accounts listed. Please help me with this serious matter.

Back in 2015 my home was broken into when I came back home all my daughter and my things where scrabbled. All our sensitive information and over XXXX worth of jewelry and XXXX out my safe was stolen. 


Please help me I have no connections with this. 

A police report and identity theft has been filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I earnestly request the removal of this item from my credit report as it does not belong to me and is entirely false.

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 2024-06-13 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:
PLEASE BLOCKED AND REMOVED. 
I earnestly request the removal of this item from my credit report as it does not belong to me and is entirely false.

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 2024-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to XXXX that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-06-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NY

Complaint narrative:
Since federal student loan repayments have restarted, I have been enrolled in Autopay with Edfinancial Services. The first payment was due in XXXX ; I signed up for Autopay in XXXX. After expecting the payment would be made on XX/XX/XXXX as scheduled with the autopayment feature, I was surprised to see an email from their company on XX/XX/XXXX that I owed twice the amount I should for XXXX. After investigating, I realized the payment for XXXX was not made, even though I was enrolled in autopay. After another month of this, I de-enrolled and re-enrolled, hoping it was a glitch in the system the first time. Unfortunately, it is not XXXX ( nearly XXXX  months after my original autopay enrollment ) and nothing has changed. I have to log on and make manual payments every month, even though Edfinancial Services ' website consistently displays that my autopayment will be made on the XXXX of every month. They offer a XXXX % interest rate deduction for those enrolled in autopay, and due to the multitude of complaints about this exact same issue, one can only conclude that they are intentionally preventing autopayments from being properly set up for their customers to avoid giving this discount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with XXXX XXXX XXXX Please prioritize this matter for prompt action. I have tried to email them, at Innovis Consumer Assistance XXXX XXXX XXXX XXXX, GA XXXX But I am not getting any response or completion of my request. I have also submitted the Innovis Credit Report Request Online form and NO SUCCESS. 
"

Company response to consumer: Closed with non-monetary relief