vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-16 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHRORIZED INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confir
m my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
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 explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible

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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 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: HI

Complaint narrative:
IM A VICTIM OF IDENTITY THEFT PURSUANT TO FEDERAL LAW 605B ALL FRAUDULENT ITEMS MUST BE REMOVED AND BLOCKED. I HAVE ATTACHED FTC REPORT ********PLEASE READ THE FTC REPORT IN DETAIL ***********ALL FRAUD IS REPORTED ON THE FTC 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 non-monetary relief
Consumer complaint received 2024-10-16 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: HI

Complaint narrative:
IM A VICTIM OF IDENTITY THEFT PURSUANT TO FEDERAL LAW 605B ALL FRAUDULENT ITEMS MUST BE REMOVED AND BLOCKED. I HAVE ATTACHED FTC REPORT ********PLEASE READ THE FTC REPORT IN DETAIL ***********ALL FRAUD IS REPORTED ON THE FTC 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 2024-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Back in XXXXXXXX XXXX  I had fraud charges in my Wayfair Citi credit card. I reported the fraud to Citi immediately. Citi completed their investigation and ruled in my favor, of course. And the charges were proved to not be mine. 

Here we are 10 months later and I have a debt collections agency called XXXX XXXX XXXX reaching out claiming that they are chasing me for debt from Wayfair. I was so confused about this and immediately called my Citi Bank to reconfirm that the charges were rolled in my favor. Citi again confirmed and even stated that Wayfair is NOT a bank and can not put me into collections. Citi said if anyone would put me in collections it would be them, the bank. And they use their own collections agency and it's not " XXXX XXXX '' Again, WAYFAIR is a store, they are not a bank, they can not put me into collections.

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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I kindly request that you PERMANENTLY BLOCK AND DELETE this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
XXXX XX/XX/year> XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I made September 2024 monthly payment on my mortgage To Bank of America, account no. XXXX. I paid an additional {$200.00} toward principal, and instead it was applied to " unapplied funds. '' I have asked for the " specific requirements of the loan or applicable law '' that permits Bank of America to arbitrarily place my funds into a non-interest bear fund, and not credit my mortgage principal as intended. Furthermore, I have previously complained approximately two years ago, and I thought this issue was resolved. Not so!

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 2024-10-16 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: LDF Holdings, LLC
State: FL

Complaint narrative:
These lenders have accessed your credit file : XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 
Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
In XX/XX/XXXX, I was notified by the HR Department of my full-time employer that my pay would be garnished to satisfy a debt regarding paperwork filed by XXXXXXXX XXXX  XXXX on behalf of Midland Credit . The amount of {$280.00} was deducted twice per month during each pay period from XX/XX/XXXX to XX/XX/XXXX. The HR employee told me that the amount of the debt to be collected is {$4600.00}, which was the amount withheld from my paycheck over the 8 month period. I contacted the Payroll Department in XX/XX/XXXX as the garnishment was nearing completion to ensure that my normal pay would resume after XX/XX/XXXX. I was told that the debt would be satisfied at that time. After XX/XX/XXXX, my pay resumed and payroll records show that {$4600.00} was withheld from my paycheck and sent to XXXX XXXX XXXX. I was thankful that this matter was resolved and relieved so that I can move on with my life. 

On Monday, XX/XX/XXXX, I received a letter from XXXX XXXX XXXX indicating that they had sent the same writ of garnishment filed XX/XX/XXXX to a part-time employer. This writ of garnishment is the same as the one satisfied by payroll from my full time employer for {$4600.00}. It was filed less than one month after the debt had been paid by my payroll from the full-time employer. Additionally, XXXX XXXX XXXX added interest fees to this writ of garnishment for {$260.00}. XXXX XXXX XXXX have begun collecting money from my second employer, which is a part-time contract basis role. They collected {$130.00} on XX/XX/XXXX. This is clearly an overpayment as this debt was resolved in XX/XX/XXXX through my payroll from my full-time employer. 

I am greatly concerned that XXXX XXXX XXXX are trying to collect more money than they are owed for a debt that has been paid as of XX/XX/XXXX. I am requesting that the writ of garnishment sent to the second employer be withdrawn and the employer be provided with instructions to discontinue withholding money from my paycheck. I have included the writ of garnishment filed on XX/XX/XXXX, which was sent to the second employer after the debt was paid in full to XXXX XXXX XXXX in XX/XX/XXXX. I also want all overpayments immediately refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: NY

Complaint narrative:
I made complaints before that the information on my consumer report is incorrect my name is XXXX XXXX XXXX aint no XXXX  I remmoved addresses that i no longer reside at and some how they still on my report it should only be 3 address on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
See attachment. XXXX and equifax have reported fraudulent inquiries on my credit report that I have no knowledge of. Please delete this unauthorized inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See attachment. XXXX and XXXX have reported fraudulent inquiries on my credit report that I have no knowledge of. Please delete this unauthorized inquires.

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 2024-10-16 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: CA

Complaint narrative:
THIS COMPANY IS NOT FOLLOWING THE LAW AND IS VIOLATING MY RIGHTS. I SENT A LETTER TO XXXX XXXX TO LET THEM KNOW THAT THIS WAS NOT MY ACCOUNT AND THEY NEVER RESPONDED WHICH I THEN SENT A LETTER TO THIS COMPANY TO TELL THEM TO REMOVE THIS XXXX XXXX  ACCOUNT BECAUSE LAW STATES THEY NEED TO REMOVE IF THE ORGINAL CREDITOR DOES NOT VALIDATE THIS ACCOUNT. I ATTACHED PROOF OF DICOVER LETTER, MAILING, AND TRACKING DELIVERY OF THIS LETTER. EVERYTHING IS TIMESTAMPED AND DATED SHOWING HOW LONG IVE BEEN TRYING TO GET THIS XXXX ACCOUNT REMOVED OFF MY ACCOUNT BUT THIS COMPANY KEEPS IGNORING ME AND BREAKING THE LAW WHICH IS HURTING MY LIVELIHOOD. PLEASE FORCE THEM TO FOLLOW THE LAW AND REMOVE THIS XXXX ACCOUNT OFF MY REPORT PERMANENTLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
RE : Social Security Number : SS # : XXXX and account reported from : XXXX. Under penalty of perjury I swear this account is false and misleading XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under penalty of perjury I swear this account is false and misleading XXXX XXXX Account Number : XXXX Please remove it from my credit report. 



ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE XXXX FORMAT FIELDED XXXX STATEMENTS ( XXXX ), MANDATED XXXX PARCELS OF CONFIRMATION NECCESSARY TO REPORT COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL XXXX ( XXXX ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/ AND OR ALPHANUMERIC SOURCE CODES ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, -STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT. ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, XXXX. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXXXXXX, XXXX 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.

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. 

XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports

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 2024-10-16 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXXXXXX, XXXX 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.

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. 

XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports

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 2024-10-16 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: NY

Complaint narrative:
This account was suppose to be taking care of by the XXXX administration dont know what hppen i fhink it may have had something to do with the lawsuit againt XXXX because of the charge errors from 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 2024-10-16 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: NY

Complaint narrative:
This account was suppose to be taking care of by the XXXX administration dont know what hppen i fhink it may have had something to do with the lawsuit againt XXXX because of the charge errors from XXXX

Company response to consumer: Closed with explanation