vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-16 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: EQUIFAX, INC.
State: CT

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to 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 2024-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
Closed my Credit Card and paid off the Balance. Concora Credit still says I owe over {$400.00} dollars. They will not accept my phone calls. They say my account is closed, which it is. I just want to know what I am paying for. I need an itemized statement for the XXXX + dollars they say I owe so i can see if I actually made the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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:
Upon thoroughly checking my credit report, It made me deeply frustrated. My report contains errors and missing information. Despite my repeated requests for corrections, these issues remain unaddressed, negatively impacting my life and my credit score.

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 2024-07-16 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I REACHED OUT TO EQUIFAX ON XXXX A DETAILED STATEMENT UNDER PENALTY OF PERJURY FOR HOW IS IT THAT ERRORS CONTINUE TO PLAGUE MY CONSUMER REPORT? LOOKS LIKE EQUIFAX IS HIRING FOREIGNERS THAT CANT EVEN RAD AT THE 5TH GRADE LEVEL.. THIS IS A JOKE. XXXX XXXX ARE NOT EVEN VERIFYING ANYTHING ... ITS MADNESS OVER AT EQUIFAX .... 


ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: TX

Complaint narrative:
I don't understand because it is certainly not that hard to attend to you customer 's need if you prioritize their well-being. I feel disrespected that to this day, my inquiry of having these accounts re-checked, re-verified and re-investigated is being ignored - as if the company doesn't really give a cent about my situation. Please help me verify these information that are extremely 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 explanation
Consumer complaint received 2024-07-16 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: MN

Complaint narrative:
My account with ( XXXX, XXXX XXXX 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 in ( MONTHS REPORTING LATE ) 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, ) 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 2024-07-16 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: MN

Complaint narrative:
My account with ( XXXX, XXXX XXXX XXXX, ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 in ( MONTHS REPORTING LATE ) 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, ) 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 2024-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
The exact messages Ive sent to Venmo On XX/XX/year> I placed a purchase with XXXX. We all agree to that. XXXX told me I would have the package by XX/XX/XXXX. Package was a graduation gift for my niece. XX/XX/XXXX came did the tracking package say that it is not moving? I do not have the package. I contacted XXXX and they say oh well waiting until XX/XX/XXXX I said thats unreasonable seeing how this purchase was a graduation gift I would like a refund. Responded by saying we dont want to. I filed a dispute with you guys on XX/XX/XXXX. According to you guys on XX/XX/XXXX give you guys XXXX business days dispute will be solved XXXX business days later I was told they yall needed a couple couple more days couple more days past I was told waiting until XXXX XXXX so I waited until XX/XX/XXXX and then I contacted you guys again asking for the refund for the merchandise said I did not get. I then told you guys on XX/XX/XXXX not only is the dispute still open not only do I not have my refund do not have the merchandise that I paid in XXXX? This is why is this give me my money back. Was told by somebody that works for the same company you work for that company who did fraud by not sending me the merchandise that I paid for you guys are giving them XXXX additional days. I am highly XXXX off. I am confused as to how big is yours really {$33.00}. I am also confused as I have you so much {$33.00}. According to you guys, XXXX is not answering me. Theyre not answering you and you guys have not seen that fraud yall keep telling me were gon na protect the company. You can just absolutely not. My {$33.00} back into the account. I still dont have the graduation gift. The girl graduated a month ago

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: CT

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant XXXX and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2024-07-16 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: CT

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant XXXX  and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2024-07-16 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I am writing to file a formal XXXX  regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX. XXXX, XXXX. {$15000.00} closed my account after taking my securities. 
XXXX. XXXX XXXX  inquiry from the automobile dealership that I didn't give them permission to run my credit through these banks/ lenders. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX inquiries that have been reported on my credit report that also doesn't have my permission to be on my report. also, this car dealership gotten my securities without me getting any compensation which is also fraud to run my securities under multiply bank without my knowledge or permission. 
XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXXXXXX XXXX XXXX inquiries that reported on my credit report without my permission and also did fraudulent these such as took my securities. 
XXXX. XXXXXXXX XXXX XXXX XXXX00.00} a collection that is inaccurate that doesn't associate with me anymore that i already paid for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am writing to report a potential case of identity theft. According to the recent findings of my credit report, it seems that my identity has been used to obtain credit without my consent. I am prepared to cooperate with any investigation and legal proceedings to address this matter and hold those responsible accountable for their 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 2024-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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 2024-07-17 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: AZ

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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 2024-07-16 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: TX

Complaint narrative:
They said they needed to verify my identity and i needed to send them months of copies of my bank statements and XXXX years of my taxes.. I have had this card for over 10 years, never late payment, my credit score is XXXX plus. They confirmed it had nothing to do with that. I told them that I was not comfortable sending this to them with so many employees to see my personal banking and SS information and they said if I didn't send it they would cancel my card and urged me to cancel my card so it wouldn't hurt my credit as bad, I asked my sons who are police investigators and they said this had to be a scam. my card is to be cancelled XX/XX/XXXX, ,I can not make charges, they stopped that after I called but I was able to pay my balance. Why are they doing this and what do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WESTERN ALLIANCE BANCORPORATION
State: CA

Complaint narrative:
I re-applied for mortgage assistance applications for all three loans ( Loan # XXXX, XXXX, and XXXX ) with Western Alliance Bank ( WAB ) on XX/XX/XXXX. Nevertheless, during the process of application review, WAB reported to credit bureaus that the payments were late on XXXX, XXXX and XX/XX/XXXX for all three loans. I would like to have WAB to provide the chronological dates of the mortgage assistance application in XX/XX/XXXX, the decision date of mortgage application outcome, the credit reporting date and the payment made on the account by me as the mortgage account holder, and the statement of credit reporting during the process of mortgage assistance application. 

I applied for mortgage assistance applications for two loans ( Loan # XXXX and XXXX ) with XXXX XXXX XXXX on XX/XX/XXXX. The mortgage forbearance was approved for both loans and followed by loan modification. Nevertheless, during the review process, XXXX XXXX XXXX reported to credit bureaus for the late payment on both accounts on XXXX, XXXX and XX/XX/XXXX. I would like to have XXXX XXXX XXXX to provide the chronological dates of mortgage assistance application date, the decision date of mortgage application outcome, the credit reporting dates for both accounts, and the statement of credit reporting during the process of mortgage assistance application. 

I was approved for loan modification ( loan # XXXX ) with XXXX XXXX  in XX/XX/XXXX and the due date of the payment for the modified loan is not due till XX/XX/XXXX. Nevertheless, XXXX Bank reported the late payment in XXXX for XX/XX/XXXX. I would like to have XXXX XXXX  to provide the chronological dates of loan modification approval, document signing from both parties, the due date of the first payment on modified loan, and the statement of credit reporting during the process of loan modification.

Company response to consumer: Closed with explanation