vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-10 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:
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.

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 2024-08-10 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: NY

Complaint narrative:
I am writing to dispute several unauthorized inquiries that appear on my credit report. These inquiries were not initiated by me and are the result of identity theft.

I have not applied for credit with these companies, and I believe these inquiries were made fraudulently using my personal information without my consent.

I request that these unauthorized inquiries be removed from my credit report immediately to prevent further damage to my credit score and personal finances.

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 2024-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After reviewing my consumer report, I found entries that do not reflect my own activities and have caused me significant distress. I am seeking your assistance to resolve these issues promptly and accurately.I have previously filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter, and I have enclosed a copy of that complaint along with proof of my identity and address.

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 2024-08-10 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: MA

Complaint narrative:
To Whom It May Concern : There is a need to ensure that a consumer reporting agency exercises their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand a deletion of all personal identifiable information from my consumer credit report with the exception of or if it is not there update it to the following information : 1.My Full Legal Name : XXXX XXXX ( Government I.D . attached ) 2. My Address : XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX ( Proof of address attached ). 
3. My DOB as it is written on my government issued ID : XXXX Please delete all information in the employer section. 
Please update my Phone number : XXXX. Delete all other numbers. 
Please delete all other non- mailable addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses. 

DELETE these addresses : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MA XXXX XXXX. XXXX XXXX XXXX, XXXX, MA XXXX XXXX. XXXX XXXX XXXX XXXX, MA XXXX Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights it is direct violation of 51 UCS {$1600.00} and all its subsections.

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 2024-08-10 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: FL

Complaint narrative:
XX/XX/XXXX. A purchase was made for {$2000.00} at XXXX XXXX store # XXXX without my knowledge or permission. Already made a report and file a dispute with XXXX that is under investigation. I contacted them by phone and spoke with a representative. 

Is not the first time that I have this type of fraudulent activity on this particular Credit Card from XXXX. 

A credit inquiry was made on my Equifax during that fraudulent activity, I contacted " Equifax '' and they are requesting an " FTC report '' in order to review this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
15 U.S. Code 1692c - Communication in connection with debt collection ( a ) CoMMUnication WitH tHe conSUMeR GeneRallY Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) CeaSinG coMMUnication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title.

( 4 ) The advertisement for sale of any debt to coerce payment of the debt.

( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity.

( Pub. L. 90321, title VIII, 806, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 877. ) I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists pursuant to 18 USC 8, L owe no debt, this company is violation my consumer right to privacy pursuant to 15 USC 1681-B2 company has no permission to report my information per 15 USC 16814 .

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Alorica Inc.
State: MN

Complaint narrative:
I am writing to dispute an error on my credit report regarding my SST account with Systems & Services Technologies. The account is still reported as delinquent despite paying the outstanding late payments in full, plus an additional monthly payment. 

On XXXX XXXX, I paid {$2900.00} to cover the overdue balance and the next month 's payment. This payment was accepted by Systems & Services Technologies, and I confirmed with them that the account was brought up to date and agreed to work with me on finding a However, my credit report still shows the account as delinquent. I believe this is an error and request that Systems & Services Technologies correct the reporting to reflect the account 's current status as current or paid up to date. 

I have attached documentation supporting my payments and communication with Systems & Services Technologies on a recorded line on Thursday XX/XX/XXXX, at XXXX pm central time. I would appreciate your assistance in resolving this matter and ensuring the accuracy of my credit report. '' my account with Systems & Services Technologies ( SST ), which was previously managed by XXXXXXXX XXXX XXXX XXXX. Despite fulfilling the terms of our agreement and paying XXXX consecutive payments, I did not receive the promised one-payment reward. This reward would have covered the outstanding balance, making the account current and removing the XXXX late payment mark. 

I wanted to express my sincere appreciation for your efforts in promoting fair and transparent financial practices. Your dedication to protecting consumers and holding financial institutions accountable is truly commendable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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. 

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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This is an investigation that includes additional supporting documentation. I also have an attorney looking into this matter, and will be providing additional supporting documentation requesting that these items be removed from my credit reports in XXXX business days. I have had a data breach issue and trafficking, all legal documents and proof of sworn affidavits have been given to Experian and they have failed to comply with removal of all items within the XXXX  business days.

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 2024-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened a XXXX XXXX  credit card that had a {$95.00} annual fee. I never received the card and, upon calling them multiple times, eventually found out I wouldn't receive the card until I went to a branch with proof of residency. As there was a convenient nearby branch, I canceled the card and had the {$95.00} annual fee reversed by an agent via telephone. I later discovered that the fee hadn't actually been reversed and that I was charged a {$40.00} late fee as well. I was not made aware of this until calling back and once again asking them to reverse both fees, since I never received the card. 

The day after I called to reverse the incorrect fee a second time, they reported me for a late payment that drastically reduced my credit score with all three agencies. I called and emailed to have this late payment reversed but received no response. 

This was an illegitimate annual fee as I never received the card. In addition, I was told the fee was reversed before payment was due. I also wasn't notified that the fee was still outstanding until it was basically too late to avoid a late payment report to the credit agencies when no payment was actually due. The fact that the fee was reversed ( twice ) supports no payment was actually owed. 

It was horrible dealing with this bank and very difficult to reach the correct department to resolve an issue they created by approving a card and charging it then not actually mailing it. Insult to injury, they ruined my XXXX credit score due to an illegitimate charge that I was told had been reversed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 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: SC

Complaint narrative:
I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to inform you that upon reviewing my credit report, I have discovered several unauthorized credit inquiries that indicate potential identity theft. The following inquiries were identified : XXXX. XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year> & XXXX Date of Inquiry XX/XX/year>

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 2024-08-10 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: SC

Complaint narrative:
I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XX/XX/year> - capital one restricted my card- I called in and they removed the restriction, again I tried to use the card and the resiriction was in place. I then called back and then said they needed a picture ID and I ask them if this was a call center or bank - she would not answer and insisted on a pic ID. I have called 4 times and talked with managers and higher up and no one can help. XX/XX/XXXX I was transferred to a manager and we then both said that this could not be resolved without a pic ID. I ask them to close and reopen the account and they said no. We then with a live person went of the complete balance of the account and I then transferred the money to get the balance to XXXX and waited 2 more days before I called back in and verified that the account with a XXXX balance and ask again if there was anyway to remedy the problem without sending personal ID information out to them- again said no - we then verified again the account balance of XXXX balance and closed the account verified with an email even forfeiting my rewards on the account. Then XX/XX/XXXX we get a balance due of XXXX again called in and no help saying the account is closed and I owe the money - I have the verIfied account closed email and XXXX balance screen shot after waiting to make sure all this would not happen and it did anyway. now still having resolution problems after the fact.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I lived at the XXXX XXXX XXXX XXXX back in XXXX. I left in XXXX. After a XXXX year contract. Was paid up in rent and given my security deposit back when I moved out. No money was owed to this complex. I have just recently learned that I had a collection after viewing my credit report from XXXX XXXX XXXX in regards to this. I never received notification from the apartments or from this debit collection agency. I do not owe this debit of {$XXXX} nor do I own it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2024-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I checked my credit profile and came across inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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