vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-02 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: GA

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Employer - XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX INT - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXXXXXX 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 XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 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: NY

Complaint narrative:
My account with ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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, XXXXXXXX XXXX XXXX, 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 2024-07-02 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: NY

Complaint narrative:
My account with ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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, XXXXXXXX XXXX XXXXXXXX, 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 2024-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: PA

Complaint narrative:
The incident have been on XX/XX/year>, And Ive already lodged the formal complaint with the FDIC. As mentioned earlier, I sent money on cash app, which is a digital wallet, service as well as a money transfer company. In their policy that they would help you resolve any accidental transactions. However, in violation of federal law, and FDIC policy, XXXX XXXX  XXXX XXXX And their subsidiary company, Cash App Inc, continue to claim that, despite it being explicitly stated in their policy on their website, there is nothing they are willing to do to help get my money back from where it was sent incorrectly, and continued to lie to me while falsely claiming that federal law doesnt require them to return such fraudulent transfers, despite this being contradicted in their company policy, let alone state and federal legislation which both seem to concur that they need to return the money within XXXX business days. If they are lying to their shareholders and customers, XXXX XXXX  XXXX and its subsidiaries are fraudulently stating they are not a financial institution bound by federal legislation, that alone is just one major federal crime they committed in the name of profitability. Simply put, XXXX XXXX  XXXX XXXX could care less if consumers were protected at all

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I sent a letter to Experian on XX/XX/year> asking them to remove information and send me a new credit report with the changes and that has not been done. I get certain emails from them advising they removed the information but I have not received my new credit report. I did with the other credit bureaus but not Experian. I need them to remove the incorrect information off my credit report and send me a new one with the changes made.

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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
i received a copy of my credit report and i noticed some accounts on my credit file that never applied for and never used these accounts are fraud and needs to be removed from my account below are listed the abode referenced accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$290.00} 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 2024-07-02 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: AZ

Complaint narrative:
I've been trying to understand why my credit applications keep getting turned down, and I was shocked to find out that my credit report contains numerous inaccuracies and false information. Dealing with these errors has been incredibly stressful and has had a significant impact on my mental well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 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: U.S. BANCORP
State: MS

Complaint narrative:
Called the consumer credit line and requested the review and removal unauthorized inquiries made by these companies XXXXXXXX XXXX XXXX concord credit ) inquiry : XXXX. XXXXXXXX XXXX  unauthorized inquiry Republic Bank/XXXX inquiry : XX/XX/2024 did not contact this company no number found on credit report only address XXXX XXXX XXXX XXXX XXXX XXXX IL XXXXXXXX US Bank made an unauthorized inquiry on XXXX XXXX called this company and the automated service advised to call the credit bureaus for dispute  XXXX XXXX Location XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX MN XXXX inquiry Requested On XX/XX/2024

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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tri-State Adjustments, Inc.
State: FL

Complaint narrative:
I was contacted by the company regarding an Alleged debt on XX/XX/year>. I contacted Tri-State Adjustments , Inc . 
via mail at : XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX on XX/XX/year>. I requested the following : * 1. The amount of the alleged debt ; * 2. The full name and mailing address of the original creditor for this alleged debt ; * 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; * 4. Documentation showing you are licensed to collect debts in Florida I received a response and it was not what I requested. The only thing they included was the amount of the alleged debt and the original creditors name. 

I have no received the original contract with the company, documentation that theyve verified I am responsible for the debt. Documentation showing theyre licensed to collect debts in Florida XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: VA

Complaint narrative:
I called Experian on XX/XX/year> at XXXX XXXX for removal of address I spoke to the dispute department which had an employee by the name XXXX XXXX cited 15 usc 1681 2 ( b ) stating that they did not have my consent to report any inaccurate information. They are reporting an address I never lived at and refused to update my address. Experian act as if the are a part of a cabal with creditors and does not care about violating the fcra. As the consumers Experian does not abide by these laws I also have partial recordings of denial of fcra and refusal to abide by the law from manager and employee.

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 2024-07-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
When I took out a second loan with Titlemax on a second vehicle, I was told that both loans would be combined into XXXX account. This was not done. A second account was created instead which I had no access to. I paid my visible account as agreed, but the other ( which was filed under an erroneous phone number ), went delinquent. Noticing that my payment was less than I expected, I called the store. They assured me that my account was up to date and did not inform me of the second, delinquent account. On XXXX XXXX, XXXX, my van was repossessed without any notice or subsequent information. I had no idea where the van went! After investigation, I discovered the second account through the vehicle VIN. I paid off the loan in full, but Titlemax refuses to pay to return the vehicle- which was towed XXXX miles away! Since the vehicle was temporarily inoperable when it was towed, I can not simply drive it home. Titlemax stated emphatically that they never return vehicles for any reason, even if the error is theirs. They claim I should have noticed the errors when I signed the contract and should be thankful not to be charged additional fees!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AK

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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: AZ

Complaint narrative:
I've been trying to understand why my credit applications keep getting turned down, and I was shocked to find out that my credit report contains numerous inaccuracies and false information. Dealing with these errors has been incredibly stressful and has had a significant impact on my mental well-being.

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 2024-07-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Accounts Service Team Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX, a collection amount appeared on my ex-husband 's credit report. He contacted the Financial Accounts Service ( FAST ) team and spoke with a representative named XXXX. XXXX informed him that they had several collection accounts on file for us and had affidavits prepared for court. 

One account was for a rental instrument from a school band. We returned the instrument on the same day ( XX/XX/XXXX ) to the rental company. The rental company confirmed that they would speak with FAST, moments after I returned the instrument, a FAST representative XXXX called me. 

I informed him that I had just returned the item and wanted to send proof. I requested an email address to send the documentation. He became combative and aggressive, talking over me. When I attempted to provide my email address, he interrupted and mentioned the name of an old employer, irrelevant to the situation. He then refused to speak with me further and transferred me. 

The second representative was equally combative. He refused to send any documents via email or fax, offering only to send an account balance letter to a physical address. I provided my work address, but he refused, citing " third-party disclosure '' concerns. I reiterated my request for all documents, not just a balance statement. He then claimed he couldn't provide any documentation because I was outside of a " validation period. '' I never received any prior notice about this debt. I explained this to the representative, but he brushed it off, suggesting I might have thrown away the notices. He then brought up another medical debt and told me to " pay my bills. '' Finally, after repeated requests, he provided an email address for me to send proof of the returned instrument. 

I requested a reference number for the call, but he claimed they don't provide them. When I asked how to reference the call if I needed to speak with a manager, he claimed to be the manager. I requested his last name, but he only gave his first name, XXXX. 

This collection agency is reporting nearly {$4000.00} in debt on both my and my ex-husband 's credit reports. Neither of us received any prior notification from FAST regarding these debts. 

Details : XXXXXXXX XXXX XXXX  ( XXXX  ) : XX/XX/XXXX - {$1900.00} ( This date seems like a possible error, considering it's in the future ) XXXX XXXX  : XX/XX/XXXX - {$790.00} XX/XX/XXXX - {$270.00}

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 2024-07-02 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: WA

Complaint narrative:
I found errors on my credit report showing unpaid loans, leading to my car loan application being denied.

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