vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-07 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:
I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted : XXXX, Equifax, and XXXX, - XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX attached : copy of ID, Dispute letters, & proof of address

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There's an added fraud alert on my file, I didn't initiate on adding any fraud alerts on my file.

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 2024-08-07 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: NJ

Complaint narrative:
This is related to a prior complaint : XXXX. For years I have had a " Serious Delinquency '' notation on my account- yet I have no pate payments on my credit report. I have called TransUnion 20 times to find out what is wrong. Their customer support is useless and gives me no explanation after spending hours and hours on the phone. 

Recently, I boughyt a subscription to XXXX On this site, I was instantly shown that my XXXX finance account had a negative status. This account has no missed payments. ( The facts are that the vehicle was totalled in a bad accident. My insurance, XXXX, paid the bill in full, and there was no missed lease payment. ) You can see the perfect payment history in the attached files along with the incorrect notation. 

This was my first real clue as to what was wrong. I went to the TransUnion site to dispute this. I have a subscription there. I went through the Dispute process. At the end - their software is terrible and buggy - I got a message : go to the " primary '' Dispute Center if you want to upload files. What a miserable user experience as I had already spent an hour trying to fill it in. It gave me a link to a different site- their Service Center. I logged into this site and sure enough in the Dispute Center their it listed my XXXX account as negative. It's their site!! Why couldn't they fix this years ago? It has cost me so much money. I would paste in a screen shot- but I can't because I can only have one dispute in progress at a time! How ridiculous. I want this problem fixed!!!! They should reimburse me for the higher interest rates I have been charged as a result of the error in their data they couldn't even find- for years.

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 2024-08-07 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: IL

Complaint narrative:
I am writing to formally report a discrepancy regarding my auto loan with XXXX XXXX XXXX XXXX that has adversely impacted my credit report. 

Several months ago, I reached out to XXXX XXXX XXXX XXXX to discuss a payment arrangement for my auto loan to prevent any late payments from showing on my credit report. After speaking with a representative, an arrangement was reached where I was assured that the agreed-upon payments would prevent any late payments from being reported to the credit bureaus. 

The representative explicitly informed me that the arrangement would ensure that no late payments would be reported to any credit reporting agencies, including Experian. However, upon checking my credit report recently, I noticed that the payment has indeed been reported as late. 

The agreed payment arrangement was intended to prevent any late payments from being reported. I was assured that the late payment would not be reported. 
I believe this reporting is in error and is a direct contradiction to the arrangement made and the assurances given by XXXX XXXX XXXX XXXX. This incorrect reporting has negatively impacted my credit score and is causing me undue distress. 

I kindly request an investigation into this matter and the correction of my credit report to reflect the agreement made, ensuring that no late payment is shown for the period in question. 

Thank you for your attention to this matter. I look forward to your prompt resolution of 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 explanation
Consumer complaint received 2024-08-07 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: MD

Complaint narrative:
You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate ''

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 2024-08-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: GA

Complaint narrative:
JEFFERSON CAPITAL SYST Took on XXXX XXXX a conpant who doesnt even exist anymore. 
They have all incorrect amounts in hopes to get money that is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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 delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
Aidvantage is charging me over $ XXXX in interest while my loans are in forbearance. I asked them why and they said interest is supposed to be paused but they didnt know why I was being charged interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: NJ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: LA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the presence of the following accounts on my credit report, as they are not mine and have been reported without my consent. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that these accounts be removed from my credit report immediately : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX These accounts have been erroneously reported and have violated my rights under the FCRA. Specifically : Right to Privacy ( 15 U.S.C. 1681 Section 602 ( a ) ) : The FCRA stipulates that I have the right to privacy regarding my credit information. The presence of these unauthorized accounts on my credit report represents a breach of this right. Provision of Information Without Consent ( 15 U.S.C. 1681b Section 604 ( a ) ( 2 ) ) : The FCRA mandates that a consumer reporting agency can not furnish credit information without my written instructions. The aforementioned accounts were added to my credit report without my consent or authorization, constituting a violation of this provision. I request the Consumer Financial Protection Bureau to investigate this matter and ensure the immediate removal of these unauthorized accounts from my credit report. Enclosed with this letter, you will find copies of my credit report highlighting the disputed accounts and any additional supporting documentation. Thank you for your prompt attention to this urgent matter. Please contact me at the provided contact information should you require any further information or clarification. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX : Balance : {$12000.00} Account Name : XXXX : Account Number:XXXX : Balance : {$870.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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 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 if 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 2024-08-07 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX : Balance : {$12000.00} Account Name : XXXX : Account Number:XXXX  : Balance : {$870.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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  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 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 2024-08-07 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: TX

Complaint narrative:
I earnestly request the removal of this entry from my credit report as it is not mine and appears to be fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about its impact on my creditworthiness. I implore you to conduct a thorough investigation and promptly rectify this error by removing this inaccurate information from my credit profile.

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 2024-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: GA

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely researched. In spite of my endeavors, I still can't seem to get any goal or restorative activity. These incorrect records are seriously harming my credit document and frustrating my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused monstrous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on as quickly as time permits. I sympathetically demand that you direct an exhaustive examination concerning the revealing of every XXXX of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and honesty of my credit document so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be enormously valuable. Much thanks to you ahead of time for your comprehension and help.

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 2024-08-07 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: UPGRADE, INC.
State: FL

Complaint narrative:
On XXXX I noticed on my credit report that I had been reported by a company named Uplift Corporation I had a past due account. 
Ive never heard of or done business with this corporation. 
I called their number and was told they arrange for payments within the travel industry and I had rented a car from XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX until XXXX and I had not paid the account. 
I did not rent a car from XXXX. 
I called XXXX XXXX XXXX and asked they confirm my rental. They could not. They said an expired credit card with my name was used for the account. They could not confirm that my Florida Drivers License was presented for the rental. 
The email used by the " renter '' was XXXX. This is not my email account. 
I notified Uplift and was told I had to file a police report to clear up this charge. 
I filed police report # XXXX on XXXX with the XXXX XXXX Florida police department. 
( see attached ) The officer spoke with XXXX XXXX XXXX security team in XXXX XXXX XXXX and after the discussion, XXXX said they could not confirm it was me and the billing should have never been sent to Uplift. 
I submitted the police report to Uplift on XXXX. I spoke with an Uplift supervisor to confirm they received the police report and they stated they had. After much discussion with Uplift, they agreed that the charge was not mine and they would resolve my credit report but it would take XXXX months! 
On XXXX, my credit reports stated the Uplift charge had been written off as a bad debt! 
Unbelievable. 
Due to this filing, my credit score went from XXXX to XXXX. 
Additionally, due to the erroneous filing by Uplift XXXX XXXX  XXXX XXXX cancelled by XXXX card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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: NC

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 computer science, 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.

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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am writing to formally dispute the information reported by Discover Financial Services on my credit report concerning late payments allegedly made in XXXX, XXXX, and XXXX of 2022. I assert that these claims are inaccurate and request a thorough investigation into this matter. The reported late payments for these months are incorrect, as I have consistently made my payments on time. This misinformation is adversely affecting my credit score and overall financial health. Therefore, I request that Discover Financial Services provide concrete proof that these payments were indeed late. Statements alone are insufficient ; I demand documentation that definitively shows the dates and times of the transactions in question, including any logs from your payment processing system that can verify these claims. If there are any other late payments being reported by Discover Financial Services, I also demand proof of those payments, as I can only see the past two years of my payment history. This documentation should similarly include dates, times, and logs from your payment processing system.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with non-monetary relief